Search found 107 matches

by DiploInvestor
Sat Mar 28, 2020 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 13
Views: 1801

Re: Unicorn mortgage still just a dream

We locked in at 2.875 on 30 year fixed refinance at our local credit union. They portfolio their mortgages. I am afraid that our current “stay at home” order will stop the closing for long enough to lose our rate lock. Our last closing (a while back) was done completely by FedEx. Is that a possibil...
by DiploInvestor
Tue Mar 24, 2020 12:44 pm
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 5759

Re: dead cat mouse

It'll just be a Modest (dead cat) Mouse.
by DiploInvestor
Sat Mar 21, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5227
Views: 1329814

Re: What Movie Have You Recently Watched?

Monsters University. (Small kids...) Didn't realize John Goodman and Billy Crystal were the main voices until halfway through. Entertaining, but Monsters Inc. was better.
by DiploInvestor
Sat Mar 21, 2020 1:56 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 275
Views: 14145

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Pocanutin wrote:
Sat Mar 21, 2020 1:45 pm
My god!! please someone lock this thread.
P
+1
by DiploInvestor
Sat Mar 21, 2020 4:33 am
Forum: Personal Investments
Topic: Run from F Fund to G Fund? (TSP)
Replies: 4
Views: 410

Re: Run from F Fund to G Fund? (TSP)

I consider the bond side to be the *safe* side, and G is the best deal out there. You can't lose money, and the return is better than it should be for the level of risk we take. I am 50, with 80/20 (soon to be almost 100/0 when I rebalance), and all my TSP bond money is in G. Stocks are where I take...
by DiploInvestor
Fri Mar 20, 2020 11:06 am
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6027

Re: When will S&P 500 go back to 3386 ?

March 15, 2021. Late afternoon.
by DiploInvestor
Thu Mar 19, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: For 50-55 Year olds/ What Are you thinking?
Replies: 46
Views: 4578

Re: For 50-55 Year olds/ What Are you thinking?

Turned 50 a couple months ago. Secure job - eligible to retire, or can work another 15 years if I wanted to (I don't). Because DW and I will have decent pensions, health care, insurance, etc. I'm not worried. I use a value averaging system for our TSPs, IRAs, and taxable, and was overall at about 80...
by DiploInvestor
Wed Mar 18, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 324
Views: 26827

Re: How Is Your Job Being Impacted By The Current Crisis?

Federal law enforcement of the overseas variety. No real change in my job, but coworkers are getting more and more cautious, as is the host country. We won't see a financial/job impact aside from our portfolio balance bouncing around. Interesting to see the US response to COVID from overseas and oth...
by DiploInvestor
Fri Mar 13, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12101

Re: Are you still going to the gym ...

Sandtrap wrote:
Thu Mar 12, 2020 9:10 pm
tiburblium wrote:
Thu Mar 12, 2020 7:12 pm
Yes, the gym is in my basement
+1
Yes
My gym is in my basement as well.
j :happy
+2
Home gym here as well. No waiting for equipment, no monthly fees, and I never miss a workout. Best investment in my health I ever made was a squat rack, weights, a rowing machine, and good running shoes.
by DiploInvestor
Thu Mar 05, 2020 1:28 am
Forum: Investing - Theory, News & General
Topic: Lost 23K on Monday
Replies: 97
Views: 8978

Re: Lost 23K on Monday

I did something similar and also missed about $25k or so in gains in one of my positions that day. Nothing compares to the over $200,000 my portfolio dropped at some point over the past couple weeks. In the bigger picture, not worth your or your wife's time worrying about.
by DiploInvestor
Fri Feb 21, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2370

Re: HS Latin or Spanish/ASL?

As a lifelong language learner and user of several foreign languages, I just wanted to add that there's no need to stick with only one. At this stage of his education, your child will likely do best trying to master Spanish, but that doesn't mean he needs to ignore others. Also, while fluency is pos...
by DiploInvestor
Wed Feb 19, 2020 7:00 am
Forum: Personal Investments
Topic: New member: Is 85% S&P 500 index stupid?
Replies: 48
Views: 4663

Re: New member: Is 85% S&P 500 index stupid?

Not stupid at all, as long as it's an allocation that lets you sleep at night. I'm 50 and DW is 46. We have a base allocation of 80/20 and are comfortable with it. (We also have good pensions to look forward to.) That said, I use a value averaging approach and rebalance each quarter. By my rules, th...
by DiploInvestor
Wed Feb 19, 2020 4:39 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11037

Re: Perform own oil change pros & cons?

Used to do it myself when I was younger - learned from my dad and changed it myself, along with all filters, into my 30s. Then paid the dealer later when the price was affordable and I had less time. We then moved to Italy for three years and I started doing it myself again when i realized they char...
by DiploInvestor
Mon Feb 17, 2020 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12229

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

willthrill81 wrote:
Sun Feb 16, 2020 5:21 pm

I strongly suspect that the federal and state governments will eventually stop offering pensions to new employees due to the huge liabilities they create, but they would be highly likely to grandfather in existing employees.
+1
by DiploInvestor
Sun Feb 16, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12229

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

I'll add another plug for federal employment. I found a job I like with great (for now) pension benefits. Google FSPS -- it's a variant of FERS, and allows full benefits at 20 years and 50 y.o. This includes the SS supplement until 62 and great health care benefits for life. I wasn't even aware of r...
by DiploInvestor
Sun Feb 16, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: PSA Form 8606 available on TurboTax
Replies: 18
Views: 1357

Re: PSA Form 8606 available on TurboTax

Ah, good. I also got my 1099 from Schwab yesterday, so I can finish this thing! Not yet. It looks like it will be ready in TT o/a Feb. 20. Quite annoying - that's all that's holding me up, and it's all for a $20 deduction based on a REIT in a taxable fund... I was able to download both form 8606 an...
by DiploInvestor
Sat Feb 15, 2020 2:53 am
Forum: Personal Finance (Not Investing)
Topic: PSA Form 8606 available on TurboTax
Replies: 18
Views: 1357

Re: PSA Form 8606 available on TurboTax

pasadena wrote:
Fri Feb 14, 2020 9:51 pm
Ah, good. I also got my 1099 from Schwab yesterday, so I can finish this thing!
Not yet. It looks like it will be ready in TT o/a Feb. 20. Quite annoying - that's all that's holding me up, and it's all for a $20 deduction based on a REIT in a taxable fund...
by DiploInvestor
Sun Feb 09, 2020 4:14 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 131543

Re: How much money do you want to retire?

Want? Enough not to have to worry about it. I expect we'll retire and have about $4M at 55/51 (we have about $2M in overall (stock/bond) investments now at 50/46 and a very high savings rate). However, with pretty good income and pensions for both me and DW, I don't believe we'll necessarily need to...
by DiploInvestor
Sat Jan 25, 2020 7:27 am
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 3653

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday, Sir! Thank you for all you do and all you have done.
by DiploInvestor
Sat Jan 25, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: Amount of cash wedding gift?
Replies: 57
Views: 4709

Re: Amount of cash wedding gift?

Growing up I was told that as a rule of thumb, the price of your meal at the reception is a good figure to use. For example, if they (or someone) is laying out $150 a plate, then $150 is a reasonable gift. That's of course if you were going. In my personal opinion, a bit more than that might be reas...
by DiploInvestor
Thu Jan 23, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4443

Re: Sharing a Business Class Seat

Probably not going to happen. However, on another airline in Africa I was allowed to bring a real sword on the plane and fly with it in my lap. Long story...but anything is possible.
by DiploInvestor
Thu Jan 23, 2020 2:36 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 24877

Re: Sad news: LadyGeek's husband has passed

Sad to hear of your husband's passing, and very sorry for your loss. Stay well.
by DiploInvestor
Tue Jan 14, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 323
Views: 18496

Re: What are you listening to now

Green Day
Fall Out Boy
Lit
Blink 182
My Chemical Romance
...and similar...

Mainly in the gym.
by DiploInvestor
Sun Jan 12, 2020 4:39 am
Forum: Personal Consumer Issues
Topic: speakers
Replies: 32
Views: 2859

Re: speakers

I like my B&W CM9s -- a lot. I got the whole 5 speaker surround setup (CM5s bookshelves for surround and CM center channel) several years ago, used, 1 year old, for $2500. I believe they all would have cost at least $7500 new. The guy I bought them from had too much cash burning a hole in his pocket...
by DiploInvestor
Fri Jan 10, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7741

Re: travel from the U.S. to Europe given geo-political tensions?

I've always ignored the chance of a terrorist attack when traveling as a very low probability event. We're starting to consider winter travel to europe and I'm sure we'll be easy to identify as Americans. I don't believe we have cause for concern but thought to see if middle east tensions have give...
by DiploInvestor
Thu Jan 09, 2020 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7329

Re: How do you mentally process stupid ways of losing money?

Speeding tickets have always been #1 on my Stupid tax hit parade. I had an econ professor in college that felt this way until she calculated the "cost" of the tickets. It was advantageous for her to speed and just pay the fine for when she was occasionally caught than to drive the speed limit daily...
by DiploInvestor
Wed Jan 08, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 17075

Re: How do YOU make coffee?

I have yet to taste a "smoother" cup of coffee than what I get from my percolator. We also have a $19 Mr Coffee drip and a nice Cuisanart drip. They both make an "OK" cup of coffee; but just "OK". AFAIC, ya just can't get all the flavor of coffee beans on just one pass of water over them. I do like...
by DiploInvestor
Wed Jan 08, 2020 3:17 am
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7741

Re: travel from the U.S. to Europe given geo-political tensions?

I have been living in eastern Europe for the past 5+ years, with a one-year sojourn in Iraq during that time. I haven't felt unsafe in either place. Being American overseas is not necessarily a bad thing. Not everyone hates us. I've been in several places with ongoing, nearby "security incidents" an...
by DiploInvestor
Tue Jan 07, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Exercise machine for a small apartment
Replies: 56
Views: 3210

Re: Exercise machine for a small apartment

I have to recommend the c2 rower. https://www.concept2.com/indoor-rowers/model-d Its amazing. total body work out arms legs, and cardio. Try to find one used and you will see they hold their value. The c2 is the best of the best. I went from a treadmill to this and wow much better workout. If I had...
by DiploInvestor
Fri Jan 03, 2020 1:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View recent improvements
Replies: 37
Views: 4706

Re: Fidelity Full View recent improvements

I'm also pleased with the improvements. My previous experience was that it did not update my outside accounts quickly enough - sometimes took days, and the excuse I was given was about Fidelity not wanting to log into those accounts during peak hours. Now, it updates almost everything when I log in...
by DiploInvestor
Fri Jan 03, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10840

Re: How much were you able to save this year?

Over $200k, which is about 45% of gross and 80% of net.

Still not enough, since our expenses are, relatively speaking, very low.
by DiploInvestor
Fri Jan 03, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View recent improvements
Replies: 37
Views: 4706

Re: Fidelity Full View recent improvements

I'm also pleased with the improvements. My previous experience was that it did not update my outside accounts quickly enough - sometimes took days, and the excuse I was given was about Fidelity not wanting to log into those accounts during peak hours. Now, it updates almost everything when I log in ...
by DiploInvestor
Fri Jan 03, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Writing a will / estate planning / when does it make sense to use a trust?
Replies: 26
Views: 2804

Re: Writing a will / estate planning / when does it make sense to use a trust?

I also recommend the Condon book as an entertaining and well written intro. Then jump into more detailed (and drier) resources.
by DiploInvestor
Thu Jan 02, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6489

Re: Recommended physical fitness websites/books/apps?

+1000 Rippetoe is the master and a no-BS dude. StartingStrength.com, and his books are: Starting Strength and Practical Programming for Strength Training. If you want weekly workouts you can follow delivered to your email box, check out Baker Barbell Club (Facebook site) by Rippetoe's protege, Andy...
by DiploInvestor
Wed Jan 01, 2020 8:37 am
Forum: Investing - Theory, News & General
Topic: Before I found Bogleheads.....
Replies: 36
Views: 3433

Re: Before I found Bogleheads.....

13. Didn't believe I could/should max out all tax-advantaged accounts and then put as much as possible in after-tax investments. Luckily I realized all this before it was too late.
by DiploInvestor
Wed Jan 01, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Parents vs. Kids Paying for College
Replies: 171
Views: 6814

Re: Parents vs. Kids Paying for College

I have been reading some recent posts on the board regarding the difficulties of managing higher education expenses and large EFCs. ... Is it selfish or even financially foolish of us to pursue our personal financial goals now instead of saving for our child's education (which he may or may not pur...
by DiploInvestor
Wed Jan 01, 2020 4:57 am
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5008

Re: To what do you owe your ability to forego spending now and save for your future?

Growing up with parents who didn't handle money well and were always fighting about it. Also started working early (12) and hated the feeling of spending what I earned when I really wanted to save it - had this feeling reinforced in different jobs in my youth, and luckily found a career in my 20s I ...
by DiploInvestor
Mon Dec 30, 2019 2:24 am
Forum: Personal Investments
Topic: What's the right move here? 3 Real Estate Holdings
Replies: 20
Views: 1554

Re: What's the right move here? 3 Real Estate Holdings

Keep the rentals and do NOT pay down the mortgages, especially at those rates. You have positive cash flow, others paying your mortgages, and more diversification than having all the equity in those properties. When the inevitable market/real estate crash eventually comes, you won't have the cash c...
by DiploInvestor
Sun Dec 29, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6489

Re: Recommended physical fitness websites/books/apps?

Starting Strength by Mark Rippetoe --- the NY Times did an article on basic barbell exercises a number of years ago. This was their recommendation. Simple and it works. +1000 Rippetoe is the master and a no-BS dude. StartingStrength.com, and his books are: Starting Strength and Practical Programmin...
by DiploInvestor
Sun Dec 29, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5748

Re: Has anyone done Whole 30?

Fruits, vegetables, lean meats and fish, and reasonable amounts of unprocessed/minimally processed carbs and fats (olive oil, avocadoes, nuts, etc). Oh, and exercise. Done.
by DiploInvestor
Sun Dec 29, 2019 4:27 am
Forum: Personal Investments
Topic: What's the right move here? 3 Real Estate Holdings
Replies: 20
Views: 1554

Re: What's the right move here? 3 Real Estate Holdings

Keep the rentals and do NOT pay down the mortgages, especially at those rates. You have positive cash flow, others paying your mortgages, and more diversification than having all the equity in those properties. When the inevitable market/real estate crash eventually comes, you won't have the cash cu...
by DiploInvestor
Sun Dec 29, 2019 4:00 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12156

Re: How do you spend $$ on yourself?

Hi all- I am 31 and feel I have the saving/ investing part down. However, I feel I am not spending enough on myself. How do you budget spending on yourself? Sometimes I’m afraid of having too much of a good time because I don’t want to make it a habit lol. Let me know how you budget for vacations/ ...
by DiploInvestor
Fri Dec 27, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Best holiday gift you gave this year
Replies: 40
Views: 3238

Re: Best holiday gift you gave this year

I gave DW a Jura E8 superautomatic coffee maker. We're posted in Europe, so I got the 220v version locally for half the price of the US version back home. Also getting the VAT refunded, so it was a relative bargain. She's a coffee connoisseur and has wanted a Jura for many years. We're finally at a ...
by DiploInvestor
Wed Dec 25, 2019 4:10 am
Forum: Personal Consumer Issues
Topic: Help not being a Scrooge with presents
Replies: 49
Views: 3997

Re: Help not being a Scrooge with presents

Too many unwanted gifts is a waste, and I hear you about the kids playing with things for a couple days and then forgetting they have them. I've discovered everyone gets stuff they actually want by listing a few things on each of our Amazon gift lists and sharing them out. Family members seem to lik...
by DiploInvestor
Tue Dec 24, 2019 3:09 am
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6671

Re: How to Protect Your Most Important Asset

Lots of great ideas here. I would add that not everyone is into "cardio", as important as it is. If you're a strength guy/gal, consider a home gym with a squat rack, quality barbell, bench, and bumper plates. Moderate initial investment and no need for a gym - no commute, never wait for equipment, a...
by DiploInvestor
Mon Dec 23, 2019 12:48 pm
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 18423

Re: Favorite country to live in after FIRE?

Is it possible to retire in the US without a greencard or US passport? I mean as a European with 2-3M in assets. How could you apply to stay there? There's an Investor Visa category, but you need to invest $500k in a business and create at least 10 new local jobs (non-urban area) or $1 million and ...
by DiploInvestor
Sun Dec 22, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5227
Views: 1329814

Re: What Movie Have You Recently Watched?

The Irishman. Great film, just a bit too long. Excellent acting.
by DiploInvestor
Sun Dec 22, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 35828

Re: What is your AA, given your age? and, Why?

Age: 50 Several accounts: TSP, Roth IRAs, and taxable: TSP x2: base allocations of 80/20, but can vary between 70/30 and 100% stock using a value averaging system. One account uses C and the other the S fund for stock side, both use G for bonds. Roth (DW): Vanguard Balanced Index Fund Admiral (she'...
by DiploInvestor
Sun Dec 22, 2019 7:14 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 35828

Re: What is your AA, given your age? and, Why?

Age: 50 Several accounts: TSP, Roth IRAs, and taxable: TSP x2: base allocations of 80/20, but can vary between 70/30 and 100% stock using a value averaging system. One account uses C and the other the S fund for stock side, both use G for bonds. Roth (DW): Vanguard Balanced Index Fund Admiral (she's...