Search found 67 matches

by cvn74n2
Sat Nov 12, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Managing Thanksgiving Expectations (Grandparents)
Replies: 14
Views: 1545

Re: Managing Thanksgiving Expectations (Grandparents)

We faced the same problem when ours were younger. We stayed home for holidays. After being upset initially our relatives got over it. Do what's best for your family. Edited to add: Alternately, go to your parents house with the kids juiced up on sugar and turn them loose. Just let them run wild. Th...
by cvn74n2
Sat Mar 22, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 7745

Re: True Detective anyone?

I thought the light vs dark soliloquy would have been best as Harrelson and McConaughy lay dying watching the flare through the oculus. Fade to black with the Rolling Stones playing "Paint it Black." Poignant but the DW thought it dumb.
by cvn74n2
Sat Mar 22, 2014 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan basis wrong
Replies: 0
Views: 229

529 plan basis wrong

In 2007, I attempted to rollover Savings Bonds into a 529-like plan (WA GET), apportioning the principal and interest of the savings bonds in the lump-sum contribution. However, the IRS ruled I owed taxes on the interest due to something I did wrong in the rollover process. Subsequent appeals by my ...
by cvn74n2
Wed Jan 01, 2014 7:33 am
Forum: Personal Consumer Issues
Topic: Frugal suit purchase options--need, but don't want
Replies: 52
Views: 6911

Re: Frugal suit purchase options--need, but don't want

I have found Ebay to have good quality suits for very reasonable prices. You will need to know your size and dimensions (sleeves, length, waist) to accurately judge how much tailoring the suit may need after purchase. In my closet I have Oxxford, Brooks Brothers Golden Fleece, Armani, Zegna, and Ral...
by cvn74n2
Sat Nov 16, 2013 4:31 am
Forum: Personal Consumer Issues
Topic: looking for a pet friendly car--help
Replies: 26
Views: 2414

Re: looking for a pet friendly car--help

No matter what vehicle you decide upon, do yourself, other occupants, and the pet a favor and either put them in a cage or buckle them in properly with a pet harness. Otherwise, they become deadly flying objects seriously harming the human occupants and likely killing the pet in an accident. Here in...
by cvn74n2
Sun Oct 13, 2013 4:24 am
Forum: Investing - Theory, News & General
Topic: vanguard may do what t.rowe price did about banning trades
Replies: 15
Views: 3012

Re: vanguard may do what t.rowe price did about banning trad

Looking at the newsletter website, it appears to employ a timing strategy similar to one in TSPTalk that attempts to use momentum as a primary indicator. It seems reasonable to me for Vanguard to institute a similar policy as TSP - allow only two trades per month. That way Vanguard can minimize the ...
by cvn74n2
Sat Oct 12, 2013 8:34 am
Forum: Investing - Theory, News & General
Topic: Best age to purchase SPIAs ?
Replies: 32
Views: 2542

Re: Best age to purchase SPIAs ?

What would be the problem with taking SSA early at age 62 and simultaneously buying a 20 year deferred joint annuity with a principal return guarantee to make up for the loss of mortality credits by delaying SSA until FRA or age 70? It seems you are ensuring you receive SSA while mostly overcoming t...
by cvn74n2
Fri Sep 06, 2013 10:23 am
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 7128

Re: How many big moves have you made in your lifetime?

Before the military: 4 times (Ohio, Texas, Colorado, Maryland) In the military over past 25 years: 14 times and counting (four times to California, twice to Virginia and Europe, Hawaii, Nevada, Virginia, Alabama, Rhode Island, Washington). Never a back-to-back posting. I married well with a very tol...
by cvn74n2
Sat Aug 24, 2013 5:36 am
Forum: Personal Finance (Not Investing)
Topic: How does Social Security determine your precise benefit?
Replies: 45
Views: 4625

Re: How does Social Security determine your precise benefit?

When I tried to create an account on the SSA website to use the ANYPIA, I got locked out for 24 hours. Either it doesn't like overseas military mailing addresses (even though it has APO/FPO in the drop down box) or using a previous US home address. Either way, I will try again tomorrow to see if SSA...
by cvn74n2
Sat Jan 19, 2013 3:33 pm
Forum: Personal Consumer Issues
Topic: Stereo Receiver Suggestion
Replies: 70
Views: 10433

Re: Stereo Receiver Suggestion

I think it depends on how you would use it and with what speakers. I highly recommend visiting the AVS forums and looking at what others say in both 2-channel and home theater areas of the audio section. I would also go to a real stereo store in the area and just start talking to the folks there. Mo...
by cvn74n2
Fri Jan 18, 2013 10:55 am
Forum: Investing - Theory, News & General
Topic: Washington Post Article About People Raiding 401k Accounts
Replies: 102
Views: 22348

Re: Washington Post Article About People Raiding 401k Accoun

I am one of those who accessed my 401k (actually TSP) via a loan to payoff a high interest rate mortgage (8%). The benefits I see are the opportunity savings of not paying that rate and paying back the loan to myself. The opportunity cost is being out of the market which is minimal in my case since ...
by cvn74n2
Fri Oct 26, 2012 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: TSM - Large - Small - Growth - Value
Replies: 17
Views: 997

Re: Poll: TSM - Large - Small - Growth - Value

I chose other - I try to off-set TSM's inherent market cap weighting by adding to other M* style boxes that get to an approximate equal weighting of style strategy. Riskier but my research leads me to believe alpha gains outweigh the greater risk taken (similiar to the SV premium in the past).
by cvn74n2
Sat Jun 02, 2012 3:26 pm
Forum: Personal Consumer Issues
Topic: Anybody looking to buy an RV or already have one ?
Replies: 16
Views: 1968

Re: Anybody looking to buy an RV or already have one ?

Still own our first RV, a 2004 29' ForestRiver Sunseeker Class C. It was good for our uses but the kids never really enjoyed it. My plan is to increase traveling in it when I retire in a few years with the spouse and pets - no kids, no carping. We will pull a car for mobility once at a site. Gas mil...
by cvn74n2
Sat Jun 02, 2012 3:02 pm
Forum: Personal Consumer Issues
Topic: washing machine died, soliciting advice
Replies: 24
Views: 2229

Re: washing machine died, soliciting advice

Check out Speed Queen top-load washers. Basic, dependable, long-lasting, and thorough - good value for the money
by cvn74n2
Sun May 27, 2012 7:09 am
Forum: Investing - Theory, News & General
Topic: Fun with treemap charts (updated w/ new website)
Replies: 49
Views: 5089

Re: Fun with treemap charts (updated w/ new website)

Mackstann: Much obliged to the work you put in. Playing around with the website helps puts diversification (or lack thereof) in an easy to understand perspective.
by cvn74n2
Sun Jun 05, 2011 2:09 am
Forum: Personal Consumer Issues
Topic: Need a new washer..what brand? (Kenmore, Maytag, Whirlpool?)
Replies: 26
Views: 8778

We are in the same situation (replacing old W/D). My research suggests the Speed Queen brand to be a favorite among many for its sturdiness and value.
by cvn74n2
Wed Jun 02, 2010 11:26 pm
Forum: Investing - Theory, News & General
Topic: Problems importing fund prices from Vanguard website
Replies: 0
Views: 456

Problems importing fund prices from Vanguard website

I use an Excel 2007 spreadsheet to maintain my portfolio. Until yesterday, I was able to import my Vanguard Variable Annuity fund prices into the spreadsheet with little problem. Now it will not import. I suspect it has something to do with the https domain Vanguard uses for their fund price webpage...
by cvn74n2
Mon Apr 26, 2010 11:31 pm
Forum: Investing - Theory, News & General
Topic: Can you buy an SPIA in a Roth?
Replies: 30
Views: 4931

What I would be interested in is how the insurance company determines the annuity's actuarial rate on a non-natural person (Roth IRA). I would guess they use the Roth owner's personal details to get a payment rate and limit the annuity to single life only, no joint annuitant or guaranteed period.
by cvn74n2
Tue Apr 13, 2010 11:11 pm
Forum: Personal Consumer Issues
Topic: College hockey Frozen Four
Replies: 18
Views: 2322

Dingle, all I can say is wow. Just because I like to see skill on the ice in a game doesn't translate to how you should enjoy the game. If fighting is your thing, go for it. I also recommend MMA as well. In my line of work, I see enough blood, mayhem, and violence to not need the vicarious thrill of...
by cvn74n2
Tue Apr 13, 2010 1:56 pm
Forum: Personal Consumer Issues
Topic: College hockey Frozen Four
Replies: 18
Views: 2322

Although I never played, I always enjoyed watching the WHA/NHL's skating, passing, defense, and scoring. However, the fighting always turned me off - I know things get chippy on the ice but you deal with it by making a goal. Howe, Hull, and Gretzky were my favorites to watch - they were always think...
by cvn74n2
Tue Apr 13, 2010 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Prepaid College Tuition Plan
Replies: 20
Views: 3675

We cashed out our 1993 EE Savings Bonds to fully fund our 3 kids' pre-paid tuition plans with Washington's Guaranteed Education Tuition plan. I am happy I did as the rate has increased between 7-14% over the past three years, better than I was getting with the bonds. The program is very transportabl...
by cvn74n2
Thu Apr 01, 2010 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: TSP "G" Fund; Considered bonds or cash
Replies: 69
Views: 9643

I place the G fund in the cash portion of my Permanent Portfolio.
by cvn74n2
Thu Apr 01, 2010 11:19 am
Forum: Investing - Theory, News & General
Topic: Age in bonds - is it worth it? Not really.
Replies: 105
Views: 16185

The other major assumption in many decumulation studies is spending remains constant through-out retirement. Although a couple of decades from retirement, I suspect my spending will decrease over time as I age (e.g. less traveling, less buying of stuff). While medical costs could rise over time, I a...
by cvn74n2
Mon Mar 29, 2010 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Poll for mortgage holders...how big was your balance?
Replies: 36
Views: 4575

Six times annual income requiring creative financing (80/10/10 interest only 5 year ARMs). Due to job requirements, plan to sell/move prior to ARM period expiring. I knew going in I was highly leveraged but felt it necessary to meet family housing needs. Banking on the come the RE market will reboun...
by cvn74n2
Sat Mar 27, 2010 2:02 am
Forum: Investing - Theory, News & General
Topic: Appropriate Dilbert
Replies: 14
Views: 2825

You should see what happens when the M&A crowd get into the herd. It's all merging and arbitraging til the cows come home.
by cvn74n2
Thu Mar 25, 2010 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: impending tax on dividend income in 2011
Replies: 24
Views: 5119

In addition to income tax, most investment income above certain MAGI thresholds appears subject to a Medicare tax as contained within the recently passed Health Care bill per CNNmoney.com.
by cvn74n2
Mon Mar 22, 2010 2:24 pm
Forum: Personal Consumer Issues
Topic: Poll for males: How often do you get a haircut?
Replies: 52
Views: 6954

Every two weeks to maintain military regs; besides, I start to feel shaggy after three weeks. Cost varies from free (on the ship) to $12 (incl tip) at a military barber. Normal style is one inch on top fading to skin one inch above the ears. I have had numerous buzz cuts in my career, but they still...
by cvn74n2
Sun Mar 21, 2010 10:35 pm
Forum: Personal Consumer Issues
Topic: Favorite cartoon characters
Replies: 40
Views: 4816

1. Bugs
2. Johnny Quest (I wanted to name my second son Race after Race Bannon but the wife nixed the idea)
3. Underdog
by cvn74n2
Thu Mar 18, 2010 2:44 pm
Forum: Investing - Theory, News & General
Topic: Updated Modification of Harry Browne Permanent Portfolio
Replies: 3555
Views: 1355130

Here's a problem with using the 200-day moving average timing system to move in and out of PP asset classes... I only use the 200ma timing system in my stock and gold ETF portions of PP. The other two asset classes I keep within their rebalancing bands. That generally means directing new cash to ca...
by cvn74n2
Thu Mar 18, 2010 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Leasehold property - when lease ends
Replies: 16
Views: 2096

Mobile home parks also tend to be leasehold situations. I know of one case in San Diego where the leaseholder gave buy-out offers to park residents to terminate their lease early but a few remained until the bitter end. Then the newspapers and politicos got involved. The story became a greedy owner ...
by cvn74n2
Thu Mar 18, 2010 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Leasehold property - when lease ends
Replies: 16
Views: 2096

In my experience, a leasehold property is one where the structure and the land it lays upon have two different owners. Upon expiration of the ground lease, the owner of the land can reclaim the property paying the depreciated value of the structure or can re-lease the property to the structure's own...
by cvn74n2
Thu Mar 18, 2010 12:47 am
Forum: Investing - Theory, News & General
Topic: Updated Modification of Harry Browne Permanent Portfolio
Replies: 3555
Views: 1355130

While Roy Rogers was an average actor but shrewd businessman, Will Rogers was a shrewd commentator.
by cvn74n2
Mon Mar 15, 2010 4:52 pm
Forum: Personal Consumer Issues
Topic: Just bought an IPAD
Replies: 40
Views: 5346

While the IPAD is interesting, it seems to me a tablet style Win7 netbook would be the better MFD. It can do e-books in pdf, email, Skype with the same form factor and at a lower cost. Where am I off?
by cvn74n2
Thu Mar 11, 2010 5:00 pm
Forum: Investing - Theory, News & General
Topic: Can you be a Boglehead and financial engineer?
Replies: 44
Views: 5958

The article about investing within a fractal finance view of the market appears to have much in common with key Boglehead ideas: passive indexing with broad diversification.
by cvn74n2
Thu Mar 11, 2010 4:41 pm
Forum: Investing - Theory, News & General
Topic: Most Americans still unprepared for retirement - survey
Replies: 53
Views: 6971

I do not expect SS to be available to me when I retire due to demographic trends. I have made career/investment choices to help ensure I don't become destitute - but recognize there are no guarantees. The only way I see to maintain the current level of spending for the foreseeable future is to raise...
by cvn74n2
Tue Mar 09, 2010 2:19 pm
Forum: Investing - Theory, News & General
Topic: NYT: Public Pension Funds Are Adding Risk to Raise Returns
Replies: 39
Views: 3406

I saw a piece on national news of how the Postal Service wants to be relieved from fully funding employee pensions when they are hired in order to help with cash flow. Although I don't know the full details, I have to believe full funding is still less than actual payout, just a more conservative ra...
by cvn74n2
Thu Mar 04, 2010 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move from Standard IRA into the TSP?
Replies: 19
Views: 4026

NavyPilot, I max out my TSP contribution. My logic is it provides ultra low cost, basic investing options with a really nice guaranteed fund (G). So, it is a core holding in my portfolio. While taxed deference is nice, I would prefer a Roth TSP option; but, legislation remains stalled in Congress du...
by cvn74n2
Wed Mar 03, 2010 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct vs Schwab or Fidelity Brokerage
Replies: 11
Views: 5019

I called Fidelity and asked that very question three weeks ago in anticipation of the 30 year TIPS auction. Me: How are you making money if you don't charge me a fee for either the auction or having an IRA/Roth brokerage account?. Fidelity rep: It is a loss leader with the hope I start trading where...
by cvn74n2
Wed Mar 03, 2010 4:06 pm
Forum: Investing - Theory, News & General
Topic: Online portfolio management tool
Replies: 50
Views: 8542

I have been playing around with the tool this morning. I find it easy to use, supports stocks, ETFs, and mutual funds. I build queries in Word and then copy into the program. You will shortly see a donation. One thing I would like to see added is an an option to automatically rebalance the portfolio...
by cvn74n2
Wed Mar 03, 2010 3:22 am
Forum: Personal Consumer Issues
Topic: I'm a buyer of protection plans on electronics
Replies: 45
Views: 4883

I tend to buy extended warranties on items $500 or more as long as the warranty is less than 5% of the price for each year beyond the manufacturer's. While it may result in profit, it gives me peace of mind and ease of convenience. I have used them to fix an oven (electronic part failed equal to hal...
by cvn74n2
Wed Mar 03, 2010 2:48 am
Forum: Investing - Theory, News & General
Topic: Problem with the concept of correlations
Replies: 41
Views: 4626

I am definitely no math wiz and have taken only a smattering of statistic courses that touched on correlation and causality. But, after reading this thread I have come to the conclusion the most important factor to successful investing is...Know thyself!
by cvn74n2
Wed Mar 03, 2010 2:04 am
Forum: Investing - Help with Personal Investments
Topic: Investing in International markets
Replies: 10
Views: 2084

I am leery in investing in stock markets that have immature/questionable regulatory exchange agencies. I believe some of the returns are baked with that risk in mind but would not be surprised to see massive fraud occuring in many EM markets. I make this assessment having lived and worked overseas i...
by cvn74n2
Wed Mar 03, 2010 1:55 am
Forum: Investing - Theory, News & General
Topic: Mel's Forbes Column: I Bond Series Wrapup
Replies: 59
Views: 10305

I have used Tom Adams' savings-bond-advisor website as a primary resource for questions I have about Savings bonds. Recommend BH's interested take a look. He also has a hard copy book available although I haven't bought it so far. Full disclosure: I have no relationship/interest in the website or bo...
by cvn74n2
Tue Mar 02, 2010 11:35 pm
Forum: Investing - Theory, News & General
Topic: Suggestions for saving for college
Replies: 8
Views: 1358

With one in college and two more on the way in the next couple years, my savings plan was a combination of Savings Bonds and guaranteed tuition plan (WA) from their early childhood days to today. Even so, that might not be enough for 4-5 years/child including room and board at a State University muc...
by cvn74n2
Tue Mar 02, 2010 11:12 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on NPR this a.m.
Replies: 99
Views: 14825

mediahound wrote:Personally, I'm investing as if social security won't even be given back to me. I'm 38 and wonder if there will be any left by the time I'm ready to collect...


+1 from a 48yo
by cvn74n2
Fri Feb 26, 2010 3:20 pm
Forum: Investing - Theory, News & General
Topic: Updated Modification of Harry Browne Permanent Portfolio
Replies: 3555
Views: 1355130

DP, I read your links and other items on the net from BHs discussions in the moving average threads prior to developing my methodology. Based on that reading, I have distilled the buffered/banded 50/200 SMAs (instead of EMAs) are best for balancing a stop-loss method without a lot of trading. Using ...
by cvn74n2
Thu Feb 25, 2010 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty - worth buying this insurance?
Replies: 38
Views: 5669

My experience with house warranties has been negative. They have been included in every home I have bought (4 so far), and have been worthless when I have tried to use them. For example, when we bought our most recent home, our home inspector failed to notice a major leak behind the frig that caused...
by cvn74n2
Thu Feb 25, 2010 3:50 pm
Forum: Investing - Theory, News & General
Topic: Updated Modification of Harry Browne Permanent Portfolio
Replies: 3555
Views: 1355130

Clive - the thing that has always bothered me about using MA timing is getting whipsawed to death in a trendless market. It would only take a few whipsaws in and out to get me to give up on it - so I've stayed away. Would much prefer the 4 x 25 PP to avoid this headache. I can understand that. I pe...
by cvn74n2
Wed Feb 24, 2010 1:43 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2637

richard wrote:TIPS are about 8% of treasuries.

http://www.ustreas.gov/offices/domestic ... tips.shtml

Vanguard's total bond market fund is about 39% treasuries. TBM does not include high yield, TIPS or some other bonds.

https://personal.vanguard.com/us/funds/ ... st=tab%3A2


Just a slight clarification, TBM does hold a very small portion of TIPS (under 1%) per the semi-annual report dated 6/30/2009.
by cvn74n2
Mon Feb 22, 2010 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting money at a young age--consequences?
Replies: 27
Views: 5211

As one who inherited a large amount early in life (31 years old), I know I wasted some of it by financial ignorance and on unnecessary things like buying and selling cars at a loss. Looking back on it, I kick myself for doing it as they were expensive life lessons. But, at least I had enough sense t...