Search found 404 matches

by Socrates
Sun Nov 17, 2019 6:53 pm
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 66
Views: 5384

Re: Do you regret rebalancing over the last few years?

I moved from about 5 % bonds to about 40%, to be more conservative as I approach 55. Bonds have done well the last year as did 60-40.

I am glad I dumped international many years ago.
by Socrates
Sun Nov 17, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?
Replies: 18
Views: 3323

Re: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellingt

Here is a guy that took Vanguard Wellington 5% Withdrawals 2001-2017. He did well for a 16 year period with two bears. https://www.youtube.com/watch?v=m3UuOLT1YZs&t=344s With my idea it would be more than 5% some years and way less other years. Was there a follow up to this video as he mentions?
by Socrates
Wed Nov 13, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: 403B vs 457B
Replies: 15
Views: 1066

Re: 403B vs 457B

Are the investment companies the same?

For example, Vanguard is often associated with 403(b), but not 457 plan. Sometimes providers for 457 are third party such as Aspire and have a fee.
by Socrates
Sun Nov 10, 2019 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7265

sorry I skimmed

key is where is it located
by Socrates
Sun Nov 10, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3339

For your mileage neither

check owners manual but belt replacement in the 40s is rare

both can be addressed at local garage for far less
by Socrates
Wed Nov 06, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4143

Re: Your Fantasy Kitchen (Cookware-wise)

My wife and I love to cook. We have a solid All-Clad stainless steel set (the Subaru of pots and pans) from our wedding 15 years ago, as well as a large Le Crueset dutch oven and a nonstick two-burner griddle. Over the years, we've cooked many delicious and some impressive meals in what we have. Ho...
by Socrates
Thu Oct 31, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 5652

Keep callin

I called 4 times.....finally got someone to cut my bill

key is: ask for retentions....tell them you want to drop your service, but you need to talk with a retention rep


they have gotten tougher, but you can still do it. :sharebeer
by Socrates
Tue Oct 29, 2019 12:14 pm
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4735

Love Wellington too Vangaurd offers

I'm 100% in on Wellington, have been for years, love that fund, been very good to me
Vanguard does not offer it in its 403(b) choices so I slowly add to it in my roth IRA every year

:sharebeer
by Socrates
Fri Oct 18, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5489

Build a time machine go back to the 90s

or check into Deluth Trading as someone else mentioned. They make great stuff
by Socrates
Tue Oct 08, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7817

Re: Should I sell or keep my 5 year old depreciated Tesla

I'll take it....I'm driving a POS equinox
by Socrates
Tue Oct 08, 2019 6:56 pm
Forum: Non-US Investing
Topic: Why emerging market bonds?
Replies: 37
Views: 3597

Re: Why emerging market bonds?

I have a small allocation to emerging market debt (EMD) in my fixed income allocation for diversification purposes and because it has a slightly higher expected return. Volatility can be high during geopolitical events and other types of global economic crises so probably not for the investor who c...
by Socrates
Tue Oct 08, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4931

Outback is an excellent car

you get a lot of features for the price and I believe the eyesight pack come standard on base models. My AC went out on my 2004 CRV and currently driving a transition car (old Chevy Equinox from family member) until I figure things out some of the cars people have suggested are significantly more (A...
by Socrates
Tue Oct 01, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Press Release 10/1/19--Vanguard Adds To Its Active Lineup With Launch Of International Core Stock Fund
Replies: 68
Views: 7415

Freedom of Choice

A good option for those who don’t want to own 7000+ ex-US companies that they’ve never heard of. One can scoff at the above, but that’s a huge reason why some would buy a fund like this. I totally agree. I like they provide, low cost options, so investors can choose. Wellington has a great track re...
by Socrates
Sat Sep 28, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30199

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

If you find a home for 1.5 million dollars in Palo Alto, please let me know.
LOL....you are right.
by Socrates
Fri Sep 27, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30199

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I have no idea what the going rate is and I'm sure Ron will chime in at some point, but overpaid is a bit loaded. He is making far above what an average public school teacher with his experience would in the rest of the country, but this is Silicon Valley. As Ron noted, even their pay scale, the di...
by Socrates
Fri Sep 27, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30199

sorry I just disagree

My salary is in line with those in the area with the same amount of education and experience. I'm in a VHCOL area. If I had chosen teaching as a career right out of college, I'd probably be a bit higher on the salary scale. Someone who started teaching around the age of 23 (4 years of college plus ...
by Socrates
Fri Sep 27, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Elite liberal art colleges or bigger selective universities?
Replies: 59
Views: 4629

Save the money

its not 1975 anymore......there are a lot of high quality inexpensive schools Nobody really cares where you get your BA from anymore as they are so common I think the graduate school and associated internship (e.g., for medical school) are much more important If you get your degree at a top quality ...
by Socrates
Wed Sep 18, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30199

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Are teachers normally this overpaid in the Bay Area?
I have lived in the Bay area and now Sacramento area for 30 plus years. I am in education and have many many friends in education. It is very rare for a teacher in their 40s to make $115,000.
by Socrates
Wed Sep 11, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6536

just curious - how do you fill them up?

in California with that crazy gas nozzle. I have a small can for my lawn mower, but can never get close to filling it up due to the nozzle. :annoyed
by Socrates
Wed Sep 11, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1757

Just bought Michelin Defender at Costco $110 off

top rated, smooth ride, 80,000 warranty so very good tread life.
by Socrates
Wed Sep 04, 2019 1:53 pm
Forum: Personal Investments
Topic: Small pension vs Roll Over to IRA
Replies: 4
Views: 355

Re: Small pension vs Roll Over to IRA

I would roll over into an IRA as you would come out ahead financially with any decent rate of return.
by Socrates
Thu Aug 22, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 13
Views: 1287

Re: Is it worth sealing half a fence?

I consider it more aesthetic in nature.
Thank you! PS I love Texas would loved to move to Georgetown.
by Socrates
Thu Aug 22, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 13
Views: 1287

Re: Is it worth sealing half a fence?

thank you all for taking the time to respond.....yeah was goona keep but my house from 2010 and fence posts were mostly rotted out If the fence is quality built from cedar, you do not need to seal. The posts (if wooden) and creavices/cracks will rot out long before the open parts of the boards will....
by Socrates
Thu Aug 22, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45629

Re: Anyone disenchanted with retirement?

crazy if you are



like nothing better than not to work, but to enjoy free time with loved ones, nature,traveling, sleeping....you name it
by Socrates
Mon Aug 19, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 13
Views: 1287

Is it worth sealing half a fence?

A new house was built next to me and the builder offered to replace my old fence with a new one. The house next door is vacant and the new fence is unsealed. Is it worth it to seal my side (and top) of the fence if the other side is unsealed? I dont want to spend the money and a lot of time if it do...
by Socrates
Wed Aug 14, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 5652

Re: Cutting the Cord - NFL Network?

NFL Network or Sunday Ticket....two very different things :shock:
by Socrates
Tue Aug 13, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11076

Re: Healthy fast food

Not understanding the Subway option.....That is not real food and very unhealthy.

Also, most fast food salads are loaded with sugar and/or sodium. The chic filet one is supposedly the healthiest, but I have never had one.
by Socrates
Mon Aug 12, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 45
Views: 4154

Re: Should we move

Hi all looking for some guidance on if my family of five should move? Kids 8,6 and 2. Me and the wife are 1 mile from work kids can walk to schools life is very convenient here however we would like more space but can’t afford our local housing market. Would have to move 20 minutes away from work, ...
by Socrates
Thu Aug 08, 2019 11:48 am
Forum: Personal Investments
Topic: New employee to State of California CalPERS
Replies: 8
Views: 1683

Re: New employee to State of California CalPERS

Does the 401(k) there offer a match? Can STRS be rolled over into a CalPers retirement? Are the health benefit plans any good? My wife has recently applied (and looks to have secured the jobb as they are checking reference). I am interested as my health benefits are very good as I work for a college.
by Socrates
Mon Aug 05, 2019 2:53 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 13218

Re: Buy During This Dip?

SP prices are not much of a dip.......Early June 2019????
by Socrates
Mon Aug 05, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 43
Views: 6738

Re: Anyone Tried Costco Travel Packages?

I use them to book my trips to Hawaii (Maui and Kauai) and they have been great. Make things simple as the bundle air, hotel and car together. They use really nice resorts in Hawaii and during my last trip to Kauai they included a breakfast upgrade for free which allowed me daily breakfast for free ...
by Socrates
Mon Aug 05, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12344
Views: 2132037

Re: U.S. stocks in free fall

What am I missing???? SP is now priced same as early June 2019 (as of 11:00 PST)???? Why would I buy?
by Socrates
Mon Aug 05, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 1097

Re: Anybody purchase 2017-2019 Honda CRV?

I purchased a 2019 Subaru Outback in the 'Touring' trim
nice choice! Thank you all for the feedback.
by Socrates
Mon Aug 05, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 1097

Re: Anybody purchase 2017-2019 Honda CRV?

Was considering a '19 CRV but got a Mazda CX 5 instead....much better price, rides nicely and fewer customer complaints. On a side note, I've owned Hondas for 35 years, currently own 2017 Civic Hatchback with 9000 miles on it...a/c compressor just went, waiting 2+ weeks for replacement (on back ord...
by Socrates
Mon Aug 05, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 1097

Re: Anybody purchase 2017-2019 Honda CRV?

Since you probably are not going to read the 23 page thread, here are the Cliff notes: Thank you. I could of really used you in high school! :D Yeah my concerns were with the 1.5 liter engine. Mine has the 2.4 (tank like) as does the newer base model, but It is restricted to the base model.
by Socrates
Sun Aug 04, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 15627

Re: Roth > Taxable > tIRA

"It depends" on assumptions one makes about tax rates, time available for compounding, etc. See the '401k vs Taxable' tab in the personal finance toolbox spreadsheet to try various assumptions. but can't I deduct contributions from an IRA?????? So, If I deduct $6500 a year from my salary vs....noth...
by Socrates
Sun Aug 04, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 15627

Re: Roth > Taxable > tIRA

"It depends" on assumptions one makes about tax rates, time available for compounding, etc. See the '401k vs Taxable' tab in the personal finance toolbox spreadsheet to try various assumptions. but can't I deduct contributions from an IRA?????? So, If I deduct $6500 a year from my salary vs....noth...
by Socrates
Sun Aug 04, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 5320

Re: Dentist: Is this acceptable?

My dentist is old school.....he actually cleans my teeth! He does not use a hygienist. That is why I have used him for 25 years.
by Socrates
Sun Aug 04, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 15627

Re: Roth > Taxable > tIRA

why would taxable be better than a traditional IRA???
by Socrates
Sun Aug 04, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 1097

Anybody purchase 2017-2019 Honda CRV?

Here is was bragging about my 2004 Honda CRV being bullet proof and my AC compressor went out at 220,000 miles, so it looks like it is time to buy a new car. My wife purchased the 2018 Subaru Forester, but I am still partial to Honda - but am open to purchasing a Subaru. Pros and cons of the newer H...
by Socrates
Sat Aug 03, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: Simple vs Complex Index Portfolio
Replies: 26
Views: 2887

Re: Simple vs Complex Index Portfolio

I think so. It allows you to til if you like (e.g, value, size, sector, etc.) and in a way diversity. For example if you want to pair a high yield managed bond fund with a treasury index. I like to fine tune when I diversify rather than buying everything in a total fund and possibly diluting with to...
by Socrates
Fri Aug 02, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Dividend Growth Fund-Press Release August 1
Replies: 32
Views: 4725

Re: VDIGX reopens

Yes! It is on several top funds list including Morningstar Fantastic funds. Although I am mostly index, I do hold small holdings in Vanguard Healthcare, Welleseley, Wellington and will add Dividend Growth. All are fantastic, IMHO. Thank you for the heads up.

:sharebeer
by Socrates
Fri Aug 02, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 19322

Re: Why Mr. Bogle prefers U.S stocks

Unfortunately your statement is not based on fact. Foreign stocks outperformed US stocks in the decades of the 1970s, 1980s, and 2000s 2000s??????? I'm not so sure.....looking at this backtest going back to 1997, TSM has done signifcantly better Portfolio performance statistics Portfolio Initial Ba...
by Socrates
Fri Aug 02, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation w/ Bond Yields at Zero%
Replies: 12
Views: 1912

Re: Asset Allocation w/ Bond Yields at Zero%

I think FTBFX is a good bond fund as is VBILX....mix of corporate and treasury for higher return

Also a good portion of my bonds are with PIMIX......Pimco is a good bond fund(s) IMHO
by Socrates
Thu Aug 01, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide what car to buy for your kid
Replies: 91
Views: 4463

Re: How do you decide what car to buy for your kid

Make sure it is not super nice as they are likely to be in an accident or do some sort of damage (forget change oil, vandalized dorm parking lot, overheat, etc. High mileage subaru, toyota are honda. All very reliable, low maintenance with high gas mileage. As Will said, set parameters and let them ...
by Socrates
Mon Jul 29, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8105

Re: Do you buy the highest trim car ?

I am just the opposite. I do not like leather seats so I go for a trim that is not bottom line, but not top as it always has the leather. As someone pointed out to cold in winter and too hot summer.
by Socrates
Sun Jul 28, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2735

Re: Hawaii in August

Can't lose with Kaui (Poipu area) or Maui (Kaanapali) ......just go after kids go back to school, otherwise it will be PACKED!

You are welcome to PM me......I have been to Kaui twice and Maui six times.