Search found 180 matches

by Barsoom
Mon Nov 18, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: More retirees have a mortgage
Replies: 114
Views: 7103

Re: More retirees have a mortgage

I planned to be debt-free when I retired (this past summer). The only debt I have is my mortgage. The mortgage was a 5/15 ARM with a fixed 5-year period at 2%, variable annually after that. The amount was $100,000 on a $300,000 home. Payments were about $650/mo. It's now been five years; the balanc...
by Barsoom
Mon Nov 18, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Dental insurance covers 3 cleanings/yr?
Replies: 20
Views: 1890

Re: Dental insurance covers 3 cleanings/yr?

I think mine covers up to a certain dollar amount. I do 3 cleanings per year, and end up having to make a partial payment on the third cleaning.

-B
by Barsoom
Mon Nov 18, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: More retirees have a mortgage
Replies: 114
Views: 7103

Re: More retirees have a mortgage

I planned to be debt-free when I retired (this past summer). The only debt I have is my mortgage. The mortgage was a 5/15 ARM with a fixed 5-year period at 2%, variable annually after that. The amount was $100,000 on a $300,000 home. Payments were about $650/mo. I initially thought about keeping the...
by Barsoom
Sun Nov 17, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 342
Views: 40406

Re: "Open Social Security" calculator: feature requests, bug reports, etc

The reason TIPS are the default discount rate is because, in most cases, the bond return is what you are (or should be) giving up if you wait... But yes, you can enter a higher rate of return to see what the expected outcome would be if you spend down stocks (or some combination of stocks/bonds) to...
by Barsoom
Sun Nov 17, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 342
Views: 40406

Re: "Open Social Security" calculator: feature requests, bug reports, etc

This thread is intended to serve as a place for Bogleheads to submit bug reports or make feature requests for the free/open-source "Open Social Security" calculator... Hello, Mike. Thank you for this tool. I really learned a lot by putting my situation into it. I have a question about the use of th...
by Barsoom
Thu Nov 14, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6396

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

tiburblium wrote:
Sat Nov 09, 2019 8:16 am
After 2 weeks on new job...
Something to consider...

Some companies might not consider it a break in service if you return within 30 days of leaving.

If you're considering going back, do it sooner rather than later.

-B
by Barsoom
Sun Nov 10, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: Shiller PE10 data not being updated?
Replies: 13
Views: 1215

Re: Shiller PE10 data not being updated?

Usually I check out Shiller's site once a month. Site link: http://www.econ.yale.edu/~shiller/data.htm The CAPE Excel file hasn't been updated since early August. Do you think it will be updated eventually? Any reasons why it is temporarily stale? I like the full file for the data it contains as we...
by Barsoom
Sat Nov 09, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10521

Re: Seller's agent not letting us use a buyer's agent

My story: I was relocating out of state and needed to sell my home. My selling agent was a neighbor we've known for many years who was a realtor who specialized in our neighborhood (an upscale gated community). It was useful for us to have a neighbor/agent who could handle last minute issues by bein...
by Barsoom
Thu Nov 07, 2019 1:32 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4135

Re: Your Fantasy Kitchen (Cookware-wise)

I just recently bought the Joule brand sous vide immersion cooker. It's small, powerful, easy to clean up, but needs a smart phone to operate (instead of on-device screens and buttons). I initially used a spare Dutch oven to put it in, but found the round shape a waste of space. I eventually bought ...
by Barsoom
Mon Oct 28, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1703

Re: Hotel "incidentals" credit card precharge?

It may just be that, as companies modernize their back-office systems to be more standardized across industries, these transactions are becoming more transparent to the customer. The wording ("pending" vs. "hold") may have been standardized by back-office service providers via the cloud, and so new ...
by Barsoom
Tue Oct 15, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Maui?
Replies: 24
Views: 2011

Re: Where to stay in Maui?

Look at one of the places in Kihei. It's half way between Kaanapali and Wailea.

It's cheap, across the street from the beach, and easy access both ways to the resorts.

-B
by Barsoom
Tue Oct 15, 2019 12:50 am
Forum: Personal Investments
Topic: Withdrawal Plan. McClung or Allocation Bands?
Replies: 47
Views: 3396

Re: Withdrawal Plan. McClung or Allocation Bands?

Do you think the differences between a 29 year retirement and a 30 year one is enough to change ones AA that much? Now overweighting stocks because they are down 20% might be a good move, but it is pure market timing. No, I don't. But if we're making hypotheticals and calling them equal, I'm callin...
by Barsoom
Mon Oct 14, 2019 7:01 pm
Forum: Personal Investments
Topic: Withdrawal Plan. McClung or Allocation Bands?
Replies: 47
Views: 3396

Re: Withdrawal Plan. McClung or Allocation Bands?

There also is a different retiree Jane. Jane was also born in 1950 and retires in 2001 with $1M capital, using the exact same withdrawal strategy as Bob because she heard fro bob that this particular strategy was the best one. Jane allocates $500k to stocks and $500k to bonds At this point, we have...
by Barsoom
Fri Oct 11, 2019 8:28 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5033

Re: Retirees, when did you start really planning your retirement?

I never really "planned" for retirement. I signed up for the company-matching ESOP when I was hired out of college, and then continued with the 401(k) when our ESOP was frozen. I invested my benefit in 100% MegaCorp stock, and reinvested dividends for my entire career. Throughout my career, I only c...
by Barsoom
Mon Sep 30, 2019 2:39 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2509

Re: AA batteries (in a blood pressure monitor for example)

AA batteries are 1.5 volts (probably 1.55 brand new). Typically, devices stop working when the battery voltage drops to about 1.25-1.29, depending on efficiency of the device. So, your 6v device would stop working at 5V (0.25V drop x 4 AA batteries). I've taken my run-down AA batteries and built a s...
by Barsoom
Mon Sep 23, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9593

Re: Physical activity suggestions for a non athletic youth

Try bowling.

It's indoors, he has to swing a 12-15 pound ball, and they have age-appropriate leagues.

And you can also go to family nights.

-B
by Barsoom
Fri Sep 20, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Calls to sell a property I don't own
Replies: 8
Views: 947

Re: Calls to sell a property I don't own

I don't answer the calls either, but they leave messages. At first, I wondered if there was someone buying property using my ID, and that was what the scammers got a hold of? Then, I wondered if it was just general phishing, hoping to get me on the call to say I don't own the property, and then they...
by Barsoom
Fri Sep 20, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Calls to sell a property I don't own
Replies: 8
Views: 947

Calls to sell a property I don't own

I'm getting many unsolicited calls on my cell phone from people asking to buy a property that I don't own. And it's never the same property, too. When I tell them I don't own the property, they just hang up instead of trying to lure me into a revealing conversation. Is this happening to anyone else?...
by Barsoom
Sun Sep 15, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1688

Re: Please help me understand I-orp results

Am I correct to assume it just runs the values directly year after year with no variability as compared to using historical returns such as cfiresim? At the bottom of the Extended tab, you will see a section called 3-Peat. This is where you can back-test your plan against historical returns. Howeve...
by Barsoom
Wed Sep 11, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9581

Re: How old is your cellphone?

I have a Samsung Galaxy S7 Edge, which I got when it was the latest model. I exchanged a Galaxy S3 for it.

The current model is the S10, so I have two more versions to go!

-B
by Barsoom
Wed Aug 28, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: I don't like Bonds because I
Replies: 31
Views: 2795

Re: I don't like Bonds because I

If you're retired and still 100% stock, you must really enjoy bronco riding. 8-) I would admit I do think about it more now that i am retired but just been retired a little over a month. I do have some bonds in my Wellington and Wellesley Funds. I see lot of people here talking about Tips and Muni ...
by Barsoom
Fri Aug 16, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

BlueEars wrote:
Fri Aug 16, 2019 12:42 pm
Do you have links for the breadwinners data and temp employment data?
Breadwinners: https://fred.stlouisfed.org/series/LNS12000060

Temp Employment: https://fred.stlouisfed.org/graph/?g=nyKV

-B
by Barsoom
Fri Aug 16, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

I use a nearly identical version of that advocated by the Philosophical Economist and detailed here . (He also provides an excellent overview to why trend following works here .) When I first came across these articles about six months ago, I was interested because I was going to retire later this ...
by Barsoom
Fri Aug 16, 2019 9:36 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 384
Views: 55801

Re: Roll Call for the Retirement Class of 2019!

Barsoom wrote:
Wed Jan 30, 2019 4:22 pm
My plan is to retire in July 2019.

I'll be 60, with 38 years of service at Megacorp.

-B
Last day was Monday. I'm now off the payroll forever!

-B
by Barsoom
Sat Jul 20, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Extended warranty for kitchen appliances
Replies: 31
Views: 1953

Re: Extended warranty for kitchen appliances

I reached the conclusion a year ago that extended warranties, trip protection , and the like are categories where I'm better off self-insuring. Trip protection always concerns me. It's not so much the cost of a canceled flight or cruise. I've taken vacations that cost between $5k - $10k. What about...
by Barsoom
Sat Jul 20, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14929

Re: House not appraising for amount we were offered!

Even if someone wanted to pay cash, who wants to pay 30% more than the last 2 recent sales? My only retort would be, who wants to move into a neighborhood where the residents are walking away from foreclosures? What's wrong with that neighborhood? Then I'd say, nothing is wrong - these are unique c...
by Barsoom
Sat Jul 20, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14929

Re: House not appraising for amount we were offered!

Something similar happened to me. I lived in a HCOL area in a gated community with low turnover of homes. In my subdivision of condos, we had no sales for several years, but then two distressed sales at the same time that I was selling: one was a family going through a divorce, and the other was a w...
by Barsoom
Sun Jul 14, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2865

Re: Want a 2 in 1 laptop

I have a MS Surface Book 1. It's a wonderful laptop computer, since it's base is solid and the screen is clamped (unlike the Surface Pro series). Just push a button to unlock the screen portion. The Book 2 is a beefier machine (newer CPU and better dedicated graphics card). There are rumors of a Bo...
by Barsoom
Sat Jul 13, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2865

Re: Want a 2 in 1 laptop

I have a MS Surface Book 1. It's a wonderful laptop computer, since it's base is solid and the screen is clamped (unlike the Surface Pro series). Just push a button to unlock the screen portion. The Book 2 is a beefier machine (newer CPU and better dedicated graphics card). There are rumors of a Boo...
by Barsoom
Wed Jul 10, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Solar powered landscape lighting
Replies: 15
Views: 1092

Re: Solar powered landscape lighting

For me, I had a landscaper give me a quote to wire my front yard for permanent landscape lighting, including adding the necessary wiring and fixtures from the house. I decided that the payback period versus replacing cheaper solar lighting was close to 10 years, and opted to keep spending on solar l...
by Barsoom
Tue Jul 09, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 8049

Re: Buying a Smoker

I bought a Traeger wood pellet grill. It doubles as a smoker. The pro is that the wood pellets leave very little ash, and I can vacuum what's left after a few uses. The con is that it's an indirect heat that makes the grill act more like a convection oven than a bbq. That said, a product called Gril...
by Barsoom
Mon Jul 08, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Motion blur with new TV while watching sports
Replies: 24
Views: 2145

Re: Motion blur with new TV while watching sports

I have Youtube TV and a Panasonic plasma TV (which don't suffer the same type of motion problems as slow refresh LED/OLED/LCD TVs do, although the 3;2 pulldown thing remains a thing). I get motion artifacts during certain live-action sports and scroll bars. I have Ubiquiti gear in my house, decent ...
by Barsoom
Mon Jul 08, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Motion blur with new TV while watching sports
Replies: 24
Views: 2145

Re: Motion blur with new TV while watching sports

I have Youtube TV and a Panasonic plasma TV (which don't suffer the same type of motion problems as slow refresh LED/OLED/LCD TVs do, although the 3;2 pulldown thing remains a thing). I get motion artifacts during certain live-action sports and scroll bars. I have Ubiquiti gear in my house, decent ...
by Barsoom
Sun Jun 30, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

Willthrills, Also, it would be helpful to clearly state how the portfolio will ultimately be judged/compared. It appears you are most likely using time percentages, or possibly 85/15, but I'm not sure if it has been clearly stated how you wish to compare your results. FWIW, rather than use a fixed ...
by Barsoom
Thu Jun 27, 2019 2:04 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

The BAH investor who started around 2000 had a rough start. Value investors have seen the value premium be negative for well over a decade, and the small premium has been negative for 30 years before. Those that bought and held through 2000 and 2008 have done very well. They should have roughly twi...
by Barsoom
Thu Jun 27, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47331

Re: What lifestyle creep made you happier?

Sure. My point was that at this point in this man's life, nothing else was "thrilling" him anymore. Maybe his money was useful to do all the traveling and stuff that he wanted to, and he finally reached the end of the internet. -B I can say with absolute certainty that the thrill I received while g...
by Barsoom
Thu Jun 27, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47331

Re: What lifestyle creep made you happier?

I agree that less is often more, but I think if you could point to studies that would make a more compelling argument. Which counties, income levels, generations, etc are happiest? I believe I have seen studies that suggest that, in the USA at least, increased wealth has some positive correlation w...
by Barsoom
Thu Jun 27, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5560

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

it’s a dubious feature for anyone who feels comfortable using a cheap gauge and does routine vehicle inspections (especially before a trip). Here's a story that happened to me. I moved back to my current city after being away for 30 years. I showed my wife were I used to live, which was a nice area...
by Barsoom
Thu Jun 27, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47331

Re: What lifestyle creep made you happier?

I agree that less is often more, but I think if you could point to studies that would make a more compelling argument. Which counties, income levels, generations, etc are happiest? I believe I have seen studies that suggest that, in the USA at least, increased wealth has some positive correlation w...
by Barsoom
Thu Jun 27, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5560

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

I may be in the minority, but I'm of the opinion that if I spend premium dollars on a quality product like a higher end car or a vacation, why nickel and dime the accessory stuff? I won't go on a cruise in a suite and then not get premium drinks or fine dining reservations, so why spend $25,000+ on...
by Barsoom
Thu Jun 27, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5560

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

I may be in the minority, but I'm of the opinion that if I spend premium dollars on a quality product like a higher end car or a vacation, why nickel and dime the accessory stuff? I won't go on a cruise in a suite and then not get premium drinks or fine dining reservations, so why spend $25,000+ on ...
by Barsoom
Mon Jun 24, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: The problem in retirement we rarely discuss [what to do with stock funds]
Replies: 58
Views: 6578

Re: The problem in retirement we rarely discuss [what to do with stock funds]

This is going to be my problem when I retire in a month, and I'm not sure what the best solution is. I have $2.1M in MegaCorp stock in my 401(k): $400K is in an ESOP with a cost basis of $60K $1.7M is in common stock with a cost basis of $1.2M I suspect your FA is aware of the NUA (net unrealized a...
by Barsoom
Mon Jun 24, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: The problem in retirement we rarely discuss [what to do with stock funds]
Replies: 58
Views: 6578

Re: The problem in retirement we rarely discuss [what to do with stock funds]

Many older retirees have stock funds that they have held for 20, 30+ years. And for them, even if they wish to move into index funds, or decrease their stock allocation, it is simply unrealistic to sell due to all of the appreciation. The tax burden would be enormous. This is going to be my problem...
by Barsoom
Sun Jun 23, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 118405

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

The description of the prime strategy is very vague. It says when the total of the stocks reaches 120% to sell 20%. Does this mean to sell the 20% that’s above 100%, or 20% of the total to bring it to 96%? I’ve seen both interpretations... The book says "If stock assets are greater than 120% of the...
by Barsoom
Thu Jun 20, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: How to phrase job-change for family reasons?
Replies: 13
Views: 1662

Re: Career advice: How to phrase job-change for family reasons?

It may actually be a plus to say that you moved to city b and decided that city a was really where your heart was for raising your child.

This will tell a hiring manager that you're not likely to suddenly move again, meaning you'd be a stable reliable resource for the company.

-B
by Barsoom
Wed Jun 19, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

Given your apparent knowledge about all of this, let me just add one thing: it's much more difficult, emotionally and cognitively, for most investors to move back into stocks than it is to move out of stocks. This has been a noted problem among many of the most vocal proponents of market timing. YM...
by Barsoom
Wed Jun 19, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

I use a nearly identical version of that advocated by the Philosophical Economist and detailed here . (He also provides an excellent overview to why trend following works here .) When I first came across these articles about six months ago, I was interested because I was going to retire later this ...
by Barsoom
Wed Jun 19, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 77312

Re: My trend following strategy and experience

Call it investing, but it is investing following the strategy laid out in the links provided in the first post. Those links are to a series of articles with lots of backtesting analysis of the concepts. At least as far as my postings go, I've been elaborating of the findings of the linked articles, ...