Search found 561 matches

by RJC
Thu Jul 02, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 28
Views: 1565

Re: Help choosing federal health insurance

Just switched to GEHA HDHP this year and so far so good. Should have done this years ago. I have never used an HDHP/HSA, intrigued but not sure if it suites my needs or not. I have GEHA HDHP. I would highly recommend it if you have $1,500 in emergency savings in case of.. a medical emergency to pay...
by RJC
Wed Jul 01, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 28
Views: 1565

Re: Help choosing federal health insurance

Just switched to GEHA HDHP this year and so far so good. Should have done this years ago.
by RJC
Mon Jun 29, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Warren Buffet Recommends S & P 500?
Replies: 34
Views: 3228

Re: Warren Buffet Recommends S & P 500?

I can't think of a situation where international would be skyrocketing over the US in our lifetime. S&P500/TSM + bonds/large EF and forget it. USA has great companies, but there are equally great companies selling at lower valuations internationally. That is true; however, US and international mark...
by RJC
Mon Jun 29, 2020 7:46 am
Forum: Investing - Theory, News & General
Topic: Warren Buffet Recommends S & P 500?
Replies: 34
Views: 3228

Re: Warren Buffet Recommends S & P 500?

The S&P500 and a percentage of fixed income is all that you need. Simple and efficient. ^This. It's the S&P for me. I can't follow Buffett's 90/10 advice (that would be foolish for me as a modest investor; I don't have the ability to take that much risk). And I do own the total bond market in addit...
by RJC
Mon Jun 29, 2020 7:33 am
Forum: Investing - Theory, News & General
Topic: A cautionary tale about pensions and wages
Replies: 76
Views: 10397

Re: A cautionary tale about pensions and wages

Any illusion of job security or rosy future benefits such as pension is just an illusion. No employer can guarantee such things in the real world. It is not the fault of the employer. It is simply not sustainable. Any guarantee for the future is nothing but kicking the can down the road. I like a j...
by RJC
Sun Jun 28, 2020 6:36 am
Forum: Investing - Theory, News & General
Topic: Warren Buffet Recommends S & P 500?
Replies: 34
Views: 3228

Re: Warren Buffet Recommends S & P 500?

The S&P500 and a percentage of fixed income is all that you need. Simple and efficient.
by RJC
Tue Jun 16, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: HSABank changing terms about account minimums?
Replies: 55
Views: 3849

Re: HSABank changing terms about account minimums?

Got this letter in the mail as well. I am assuming you have to accumulate at least $1,000 before any sweeps can be done?
by RJC
Thu Jun 04, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job yesterday
Replies: 68
Views: 11847

Re: Lost my job yesterday

If I were you, I would think about the long term and try to get out of the retail sector. They have been trying to squeeze every bit out of pharmacists since the 2000s. I have heard lately they have been cutting hours and even reducing pay. That's insane after 2-4 years of undergrad and 4 years of p...
by RJC
Sun May 31, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 233
Views: 22402

Re: Tesla Model Y

I'm definitely getting a Model Y when it's time to upgrade. Not having to go to a gas station ever again has got to be one of its best features.
by RJC
Fri May 29, 2020 8:07 am
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4375

Re: If not 3 fund, whats your strategy ?

100% VTSAX or S&P500 (if a TSM fund is not available) and a large EF. IMO this is the most efficient strategy as long as you are at least 10+ years from retirement. No tinkering. What are your plans for de-risking as you get closer to retirement? Just build a larger EF? Or would you add bonds at so...
by RJC
Wed May 27, 2020 8:11 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4375

Re: If not 3 fund, whats your strategy ?

100% VTSAX or S&P500 (if a TSM fund is not available) and a large EF.

IMO this is the most efficient strategy as long as you are at least 10+ years from retirement. No tinkering.
by RJC
Wed May 27, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1585

Re: Bird Nest Forming Under Deck

I have finches around my house and put up CDs on strings to discourage them from building nests. The problem with the nests is that when the chicks have left and the nest is empty the bird mites enter the house looking for a new source of food. The good news is that the mites can't live on human bl...
by RJC
Wed May 27, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1585

Re: Bird Nest Forming Under Deck

Thanks everyone. I will try out your suggestions!
by RJC
Wed May 27, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1585

Bird Nest Forming Under Deck

Dear friends, There is a bird nest forming in a crevice that is under our deck. What is the best deterrent for this activity? We don't mind nature; however, it's: 1. Starting to get loud with more bird activity 2. More bird droppings in the deck area 3. Heard nests could be a haven for bacteria/viru...
by RJC
Thu May 21, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3547

Re: Tesla Y test drive

We test drove the Y yesterday, love the acceleration but was a little surprise at the interior noise at highway speed. We can’t decided if we should get it or wait until the RAV4- Prime is available for a test drive and see which we should get. Any Tesla owners have issue with interior noise? Could...
by RJC
Mon May 18, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Apple Airpods Pro
Replies: 21
Views: 1210

Re: Apple Airpods Pro

Spouse is considering getting a pair. Any concerns of the battery going out in a few years? Sounds like quite an investment if you also have to replace when that happens.
by RJC
Mon May 18, 2020 1:03 pm
Forum: Personal Investments
Topic: RSUs [how long to hold]
Replies: 32
Views: 1480

Re: RSUs [how long to hold]

I am currently vesting into RSUs. What is the Boglehead philosophy on whether to hold or sell? Is it best to hold for a year to get capital gains rates or sell once I vest in order to take the money and run? How should I be thinking about this? We sold ours right away every time and invested in the...
by RJC
Wed May 06, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Why is lump sum investment option better than DCA?
Replies: 156
Views: 5838

Re: Why is lump sum investment option better than DCA?

Is DCA better when the market is falling? Say about a month ago?
by RJC
Wed Apr 29, 2020 7:21 am
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2661

Re: S&P500 >>> Total Stock Market?

Thank you all. I will continue with TSM in my taxable accounts and S&P500 when TSM is not available. :beer
by RJC
Tue Apr 28, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2661

Re: S&P500 >>> Total Stock Market?

FelixTheCat wrote:
Tue Apr 28, 2020 1:22 pm
Go to Portfolio Visualizer. Run Backtest Portfolio Asset Class Allocation for different years/scenarios. If you're bored, look at how small caps/mid caps compare to large caps over the last 48 years.
Lots of swings back and forth with no winner?
by RJC
Tue Apr 28, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2661

Re: S&P500 >>> Total Stock Market?

NYT: Investors Bet Giant Companies Will Dominate After Crisis https://www.nytimes.com/2020/04/28/business/coronavirus-stocks.html "The virus outbreak supercharged a continuing shift in the markets, with a few giant companies now exerting the most influence over the direction of stocks since the tec...
by RJC
Tue Apr 28, 2020 1:04 pm
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2661

S&P500 >>> Total Stock Market?

NYT: Investors Bet Giant Companies Will Dominate After Crisis https://www.nytimes.com/2020/04/28/business/coronavirus-stocks.html "The virus outbreak supercharged a continuing shift in the markets, with a few giant companies now exerting the most influence over the direction of stocks since the tech...
by RJC
Tue Apr 28, 2020 7:35 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

The biggest change has been going on full time telework. I kind of like it saving a lot of time and money on not having a commute and being disconnected from petty office gossip and dramas. I'm hoping this flexible telework policy continues after the virus has subsided as it could be a win-win for ...
by RJC
Tue Apr 21, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: Glide vs Jumping Into Asset Allocation
Replies: 8
Views: 524

Re: Glide vs Jumping Into Asset Allocation

... Are there obvious reasons why folks gradually glide into an asset allocation vs making a big jump? For example, if I was 80/20 and wanted to jump into 50/50 right away. ... It you are asking the question because you do want to make a big jump now, then the reason you want to do this is importan...
by RJC
Tue Apr 21, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: Glide vs Jumping Into Asset Allocation
Replies: 8
Views: 524

Re: Glide vs Jumping Into Asset Allocation

Are there obvious reasons why folks gradually glide into an asset allocation vs making a big jump? For example, if I was 80/20 and wanted to jump into 50/50 right away. Does anyone do this? People do it, sure, but it's typically suboptimal because it introduces a lot of timing luck unnecessarily in...
by RJC
Tue Apr 21, 2020 7:27 am
Forum: Investing - Theory, News & General
Topic: Glide vs Jumping Into Asset Allocation
Replies: 8
Views: 524

Glide vs Jumping Into Asset Allocation

Dear friends,

Are there obvious reasons why folks gradually glide into an asset allocation vs making a big jump? For example, if I was 80/20 and wanted to jump into 50/50 right away. Does anyone do this?

Apologies if this is a simple question.

Thanks!
by RJC
Mon Apr 20, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 3080

Re: BMW X5 - advice on purchase

Love the car. We have a 2019 blacked out version w/ the sport package.

Effortless acceleration, tight handling (in sport mode), and large enough for a family of 4.
by RJC
Fri Apr 17, 2020 10:46 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

Spouse is now getting paid 80%; however, still works on day off... I'm still chugging away.

Looking at the most recent unemployment numbers, I fear that more changes will be coming.
by RJC
Mon Apr 13, 2020 9:46 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

That bothers me. If my hospital wants to pay me the typical overtime hourly rate during my time away from the hospital, I am happy to let them dictate what I do in my free time. Otherwise, they can buzz-off. Just hope your hospital doesn’t go bankrupt due to this crisis. I suspect quite a few will....
by RJC
Fri Apr 10, 2020 7:34 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

ScoobyDoo wrote:
Thu Apr 09, 2020 3:17 pm
KFBR392 wrote:
Thu Apr 09, 2020 1:53 pm
Trailer editor in Los Angeles.
Took me reading this sentence 5 times before I got it.....You can imagine what went through my mind the first 4 times!!!!! :D
:twisted: :twisted: :twisted:
by RJC
Mon Apr 06, 2020 8:33 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

Trader Joe wrote:
Sun Apr 05, 2020 6:41 pm
No impact at all.
May I ask what industry you are in?
by RJC
Sat Apr 04, 2020 7:52 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

First post on Bogleheads for me, although I've been following the advice of Bogle for 30+ years for now: I work in Health IT - we are working *a lot* - with everything going virtual, the demands are much higher. The use of Telehealth is very much moving upward - issues are the balance between cyber...
by RJC
Thu Apr 02, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: "They All Retired Before They Hit 40. Then This Happened."
Replies: 49
Views: 5508

Re: "They All Retired Before They Hit 40. Then This Happened."

"In 2018, many people in the FIRE movement believed they had the financial resources to enjoy retirements as long as six decades. If they whittled their living expenses to nothing and withdrew no more than 4 percent each year from their portfolio (known as the 4 percent rule), all would be fine." Wo...
by RJC
Thu Apr 02, 2020 7:35 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

novemberrain wrote:
Thu Apr 02, 2020 1:56 am
I work in travel related industry. Layoffs are a highly likely possibility in the next couple of months.
My spouse works in the hospitality industry and it's a blood bath. Hope it's not as bad for you.
by RJC
Thu Apr 02, 2020 7:32 pm
Forum: Investing - Theory, News & General
Topic: "They All Retired Before They Hit 40. Then This Happened."
Replies: 49
Views: 5508

"They All Retired Before They Hit 40. Then This Happened."

"The stock market wasn’t going to create wealth forever. So what about the FIRE movement?"

https://www.nytimes.com/2020/04/02/styl ... virus.html

What are your thoughts on the impact of the coronavirus on the FIRE movement?
by RJC
Wed Apr 01, 2020 1:32 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

It was inevitable, but I hoped avoidable. I'm in the non-profit performing arts and, as of this morning, half the employees for the organization, and all the staff under me were laid off. The board waited for the details of the CARE act to become clear, and what became clear was that it would do li...
by RJC
Tue Mar 31, 2020 8:49 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

jb1 wrote:
Tue Mar 31, 2020 4:10 am
My company just let go 35% of the company with 30% from my department yesterday. Somehow I survived.
May I ask what industry you are in?
by RJC
Tue Mar 31, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4284

Re: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

StormShadow wrote:
Tue Mar 31, 2020 6:49 pm
Binged through the first three episodes last night. I shouldn’t enjoy watching it, but I just can’t seem to stop!
Same. It's a slow moving train-wreck every episode!
by RJC
Mon Mar 30, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes
Replies: 84
Views: 7699

CNBC: Investors Should Be Buying Individual Stocks, Not Indexes

"Investors should be buying individual stocks, not indexes, as there is still more coronavirus-driven market volatility ahead, economist Mohamed El-Erian told CNBC on Monday." https://www.cnbc.com/2020/03/30/mohamed-el-erian-not-in-an-all-clear-for-stock-index-buying.html Isn't this the opposite of ...
by RJC
Mon Mar 30, 2020 8:12 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

It's great to occasionally work from home. When it's every day, I feel like it's a bit more challenging (e.g. stay focused, interaction w/ staff, etc.).
by RJC
Sun Mar 29, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4284

Re: Can We Talk About Tiger King: Murder, Mayhem and Madness?

It really gets even more unbelievable every episode. Just a wild cast of characters.
by RJC
Sun Mar 29, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4284

Re: Can We Talk About Tiger King: Murder, Mayhem and Madness?

donall wrote:
Sun Mar 29, 2020 1:13 pm
I could not watch after episode 1. Could not write fiction this unbelievable.
haha it's really hard to believe!
by RJC
Sun Mar 29, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4284

[Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

Dear friends,

I'm only on episode 3 but this is the craziest show I've seen in quite a while. It's on Netflix and is a good distraction while you hunker in place.

Have you seen it? What do you think?
by RJC
Sat Mar 28, 2020 6:55 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

Surgeon in NYC. Practice has been mothballed. Volunteered to augment coverage in medical floors and ICUS. Have not been tapped yet but will. Trying to minimize clinics and manage most patients from home. Using telemedicine more and more. Trying to keep ancillary staff out of the hospital. Worked fr...
by RJC
Fri Mar 27, 2020 7:27 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52326

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

Amazing to see such a wide range of careers on this forum. Thanks for sharing everyone.
by RJC
Thu Mar 26, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6641

Re: Are you comfortable eating carry outs from a restaurant at this time?

Why take unnecessary risks when you don't have to? You have to go to the grocery store, but take carryout? Not so much.
by RJC
Wed Mar 25, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: What's In The $2 Trillion Stimulus Bill And How Will It Impact Us?
Replies: 2
Views: 836

What's In The $2 Trillion Stimulus Bill And How Will It Impact Us?

Dear friends, I'm trying to understand the bill that was passed today but the numbers and allocations seem vague. Does anyone have a better understanding or could link me to a clear source? What does a $2 trillion dollar bill mean for the long term (e.g. Social Security/Medicare)? Thanks in advance.
by RJC
Tue Mar 24, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 10968

Re: Daycare closed

Our daycare initially closed voluntarily, which was reasonable, but there is now a statewide mandated closure of childcare centers. There are some emergency centers allowed to stay open for essential workers, but our daycare is not one of those. We were told that we must continue to pay full tuitio...