Search found 968 matches

by Dieharder
Fri Nov 10, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Re: Bicycle wheels - what's a reasonable budget

You don't mention your age, but what you did say makes me think that you are in the older BH grouping. It is possible that you may never get any better or faster on the hills. Despite lighter wheels or a lighter you. Age can tend to do that. Since you are a rider already with many miles behind you,...
by Dieharder
Fri Nov 10, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Re: Bicycle wheels - what's a reasonable budget

I have Dura Ace 9000 C35 on two bikes and really like em--light,good all-arounders, and alum brake tracks. With shopping you can buy at $1200/set or less. Also check out https://www.boydcycling.com/ I have a set of their wheels on a third bike (Altamont) and they are also excellent and cost less. C...
by Dieharder
Fri Nov 10, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Re: Bicycle wheels - what's a reasonable budget

If you are dead set on getting new wheels, actually in line with my previous post get yourself a wheel with a Powertap hub. Training with power doesn't make you inherently faster, but if used properly you will have more defined workouts, which in turn can get you faster. This is a good deal for a r...
by Dieharder
Fri Nov 10, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Re: Bicycle wheels - what's a reasonable budget

Slower though on the hills compared to rest of group for reasons I still haven't figured out fully. May be it is the stock wheels, may be it is gearing and technique, or just not enough experience in the group. I biked about 10k miles/yr back in the day. Slow on the hills is easy to explain. It's a...
by Dieharder
Thu Nov 09, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Re: Bicycle wheels - what's a reasonable budget

As for weight, I cannot lose 10 pounds as I am nearly at optimal weight relative to height. May be another 3-5 pounds top, and it is moving in that direction slowly.
by Dieharder
Thu Nov 09, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Re: Bicycle wheels - what's a reasonable budget

You folks are awesome! a couple of you actually hit the nail on the head. I have already figured out that fancy deep dish carbon wheels aren't going to do me any good, because I am not doing a race, TT or crit, and I am not concerned about increased speed on the flats. I am doing pretty fine on the ...
by Dieharder
Thu Nov 09, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 40
Views: 1936

Bicycle wheels - what's a reasonable budget

I am planning to upgrade my stock wheels on my mid-high end carbon fiber bike early next year. Looked at various options and reviews online, talked to fellow cyclists, and LBS wheel guys, etc. Many different outputs, still undecided, but somewhat sure that I am not spending on high end all carbon wh...
by Dieharder
Sun Sep 24, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26177

Re: Calling out the not so rich bogleheads

I wonder what is the age group of OP :?: are you someone who started saving late, or someone young but starting out, or in between. Whatever it is , I believe there is a place for everyone here. Some of us here started out with the group with very little to invest and have progressed since then grad...
by Dieharder
Sun Sep 24, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6477

Re: Spouse Money Management

There is one simple solution that works for now. Let the GF stay as GF, no change in status until she has finished college, landed a career, and are able to prioritize financial decisions. This may sound cold, but it is far better than unwanted consequences later on. I do not believe people who have...
by Dieharder
Sat Sep 23, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 16
Views: 942

Re: Vanguard college calculator and some questions

Did you pick the most expensive private college option? if so yeah. There are in-state public college options that are half or less of the cost you have quoted. A lot depends on where your student will get admission, and this isn't in your control.
by Dieharder
Thu Jun 29, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Can I retire now?
Replies: 10
Views: 2086

Re: Can I retire now?

46 year old programmers are too young to retire! By that I mean it is a hard skill not easily acquired by everyone and you still have lots to contribute. You may find it hard to be full time employed in the IT department of a major corporation these days with full benefits and all that. However, if ...
by Dieharder
Sun Jun 04, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 980

Re: Road bike tour to Europe

Thanks for all responses. This is exactly what I was expecting. I will go through all those resources. What is the major down side of guided tour groups? apart from having to adjust your schedule along with everyone else. I don't mind doing it on my own, if I had at least another partner, because of...
by Dieharder
Sat Jun 03, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 980

Re: Road bike tour to Europe

livesoft wrote:Are you up for paid guided tours? There are many bike touring companies that do European trips complete with sag wagons, luggage transfers, and nice hotels. TripAdvisor.com would help out in this regard.
Yeah, thinking along those lines. Most of them cost a lot, but I guess they do a lot also.
by Dieharder
Sat Jun 03, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 10135

Re: Everything keeps going up, this feels too easy?

Yes, nervous about when this is all going to stop. Doing not much other than not directing any new money into equities for at least last couple of years, still they haven't been out of order due to all the growth. Sold some over the last year to reduce it further to bring down to age-10 in bonds, al...
by Dieharder
Sat Jun 03, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 980

Road bike tour to Europe

I wish to generate some ideas from folks here who may have done road bike tours to Europe. I am not seeking the Raybo variety of tour, but a road cyclist who does 25 milers on nomal days and about three century rides a year. I like fast short rides and enjoy up to a century, but not someone who is i...
by Dieharder
Thu May 04, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 8023

Re: Morgan Stanley drops Vanguard funds

They are indeed underperforming, for MS's profits by way of kickbacks and commissions, they never said it was underperforming for the clients.
by Dieharder
Fri Apr 28, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 43285

Re: Larry Swedroe says "Goodby."

Larry Swedroe has made many contributions to this community. But to me the most important contribution he made is to teach others how to do the research themselves and arrive at the conclusions themselves. Instead of telling others what to do, he basically sited a lot of research papers and academic...
by Dieharder
Sat Mar 18, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: CPA misplaced tax information
Replies: 12
Views: 1927

Re: CPA misplaced tax information

Recourse? Well freezing and placing reports on your credit reports which you already have. You can also engage a company that provides credit monitoring services... but you should have that I'd you were victim of OPM hack. Do you mean recourselves against the CPA? Taking your future business elsewh...
by Dieharder
Fri Mar 17, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: CPA misplaced tax information
Replies: 12
Views: 1927

CPA misplaced tax information

I am really upset about the CPA who did my company taxes this year. This is the first time I am using them and came as referral from someone else I knew. The issue is not with tax filing or getting numbers incorrect, but he put my tax information to me in USPS mail without any tracking and without t...
by Dieharder
Thu Mar 09, 2017 8:43 pm
Forum: Forum Issues and Administration
Topic: What would happen if a hacker got a full database dump of the site?
Replies: 29
Views: 3617

Re: What would happen if a hacker got a full database dump of the site?

Probably a safe bet that any information from this site is not worth more than the OPM database which was hacked. Since that is out there with whoever hacked it, what is there to worry :shock:
by Dieharder
Fri Mar 03, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5053

Re: Family Hounding me to Purchase SUV or Minivan

Nope, my garage is sparkling clean. I park my $60K SUV and the $20K small car inside all the time. I also hang my two bicycles worth above $6000 in there. I have also managed to have a seven figure portfolio while doing all this. It not worth becoming the richest guy in the graveyard. Live a little...
by Dieharder
Fri Mar 03, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5053

Re: Family Hounding me to Purchase SUV or Minivan

Just get the darn minivan already let the kids enjoy road trips and family vacations, they can hold a lot of gear and everyone can stretch out. Your kids will be all grown up in a few years and gone out of your home. Life is not worth struggling with a 200,000+ beat up Accord to feel good about how...
by Dieharder
Fri Mar 03, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5053

Re: Family Hounding me to Purchase SUV or Minivan

Just get the darn minivan already let the kids enjoy road trips and family vacations, they can hold a lot of gear and everyone can stretch out. Your kids will be all grown up in a few years and gone out of your home. Life is not worth struggling with a 200,000+ beat up Accord to feel good about how ...
by Dieharder
Sun Feb 26, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How much are independent contractors really taxed?
Replies: 48
Views: 4204

Re: How much are independent contractors really taxed?

To OP - I don't know why you keep asking 30% will go for tax? It's not like that, as someone else stated 7.65% SE tax additional as employer share is what is really extra, everything else remains same. Apart from that there is state/ federal unemployment tax, business licences state / county, annual...
by Dieharder
Mon Feb 20, 2017 6:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 5397

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

White Coat Investor wrote:I might be the only one who still types in diehards.org.


Nope, you are not alone :) it's a few letters short to type in and old habits die hard (sic)

Happy 10th to all. Life wouldn't have been same without this forum and the amazing group of people, not to mention the great Jack Bogle.
by Dieharder
Mon Feb 20, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8535

Re: 20% bonds: why bother at 48?

I think you are the one missing the point. I never said anything about equity portfolio losing 100% value, just massive losses, you just cannot liquidate a portfolio that has experienced massive losses, even as much as 50%, not evven the 80% losses experienced in great depression. If you do that th...
by Dieharder
Mon Feb 20, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8535

Re: 20% bonds: why bother at 48?

If here's a global meltdown, 20% won't be enough to be meaningful. This is the problem. The difference is between having something vs. nothing. You have to look at the dollar value of that 20% and understand that is the money you have left after a so-called global meltdown (equity I guess). If ever...
by Dieharder
Mon Feb 20, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8535

Re: 20% bonds: why bother at 48?

If here's a global meltdown, 20% won't be enough to be meaningful. This is the problem. The difference is between having something vs. nothing. You have to look at the dollar value of that 20% and understand that is the money you have left after a so-called global meltdown (equity I guess). If ever...
by Dieharder
Mon Feb 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: S-Corp owners - which Turbox Tax
Replies: 2
Views: 266

S-Corp owners - which Turbox Tax

I am getting my business tax prepared through my CPA and they will provide me with Schedule K-1 (Form 1120S), and any supplimental forms. On the personal income side, I have decided to file it myself as my situation is not very complex and we have been doing Turbo Tax Deluxe (CD) for many years. I h...
by Dieharder
Mon Feb 20, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8535

Re: 20% bonds: why bother at 48?

If here's a global meltdown, 20% won't be enough to be meaningful. This is the problem. The difference is between having something vs. nothing. You have to look at the dollar value of that 20% and understand that is the money you have left after a so-called global meltdown (equity I guess). If ever...
by Dieharder
Tue Feb 14, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 76
Views: 10102

Re: Audi Q7 Reliability

Never seen a Lexus stranded on the roadside, but the other day saw a Q7 stranded on the side of the highway with the occupants (a young family) standing outside. Of course, this could be a one off incident. Just sayin'
by Dieharder
Tue Jan 17, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 5562

Re: My co-worker boasting about his investments. What do you think about his selections?

I am done playing these games with people. I show passive interest even when someone brings up the topic of investments at a cocktail party. Mostly there is nothing to be learned from it, and there is no point in giving your opinion of boring investment advice, as no one gets rich quick with slow sa...
by Dieharder
Sat Jan 14, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard not the best choice for I401k or Sep IRA
Replies: 13
Views: 1070

Re: Is Vanguard not the best choice for I401k or Sep IRA

+1 for Vanguard i401k I have considered all of the above mentioned alternatives and came to the conclusion that rollover feature isn't important to me. As for admiral shares, well that really sucks, but I am not complaining too much about it. It all comes down to managing your overall portfolio. My ...
by Dieharder
Thu Jan 12, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: W2 for single employee S-Corp
Replies: 5
Views: 535

Re: W2 for single employee S-Corp

Thanks for the responses. I will check with QuickBooks payroll service for the W2, and go with CPA for the S-Corp taxes to be safe. I do not have health insurance premiums to worry about through the company, so that makes it easier.
by Dieharder
Thu Jan 12, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: W2 for single employee S-Corp
Replies: 5
Views: 535

W2 for single employee S-Corp

What is the best method to create and file W2 for single employee S-Corp. I am the only employee of my company this year and paid myself through automated direct deposits from QuckBooks with Intuit Payroll service. I have filed state, federal, social sec, medicare, and umemployment taxes through Qui...
by Dieharder
Wed Jan 11, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: I'm just going to leave this here... [Should you rebalance your portfolio?]
Replies: 36
Views: 2677

Re: I'm just going to leave this here... [Should you rebalance your portfolio?]

Trash. This writer and the expert named there needs some basic financial math lessons. they don't even understand the basic fact that a 50/50 portfolio will not shoot up to 70/30 even with some impressive stock returns. It would take an enormous amout of gains over a very lengthy period of time with...
by Dieharder
Sat Jan 07, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: 8.5% for 2016. Can I do better????
Replies: 27
Views: 5091

Re: 8.5% for 2016. Can I do better????

B83772, I'm certainly not advocating that you mimic my portfolio, but I have a 70/30 portfolio and I had a 9.6% return for this year. Equities are 90% VTSAX and 10% VTIAX. Bonds are 40% VBTLX, 40% VICSX, and 20% VWEAX. I'm also 34 and perhaps I can afford to take a bit more credit risk. I am aware ...
by Dieharder
Sat Jan 07, 2017 12:37 am
Forum: Investing - Help with Personal Investments
Topic: 8.5% for 2016. Can I do better????
Replies: 27
Views: 5091

Re: 8.5% for 2016. Can I do better????

Why do you want to do better? Is something not working out? 8.5% is good for 70/30 allocation this year. Compare to the following all in one portfolios - Vg TRD 2030, Vg TRD 2035, Vg LS Grth. You should focus on savings rate and cutting on expenses if you wish to make the retirement portfolio larger...
by Dieharder
Sat Jan 07, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp nuts and bolts
Replies: 13
Views: 1228

Re: Help with S Corp nuts and bolts

QuickBooks desktop version with Payroll service. Works very well. You can do invoice and send it by e-mail from QB then record that in your bank account. You run Payroll and QB calculates everything for you then submit to Intuit for direct deposit. You also pay IRS and State directly from QB through...
by Dieharder
Thu Jan 05, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard weighs in: Is active mutual fund management dead?
Replies: 10
Views: 1546

Re: Vanguard weighs in: Is active mutual fund management dead?

I have been investing in the best Vanguard active managed funds for many years now and have made a lot of money compared to their index fund counterparts. The key is not to dilute it by picking several active funds, but to concentrate on the winners. Everyone who has followed Vanguard knows what tho...
by Dieharder
Thu Jan 05, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7406

Re: spousal disagreement over how much house to buy

I see this thread getting locked anytime now.... nothing more to contribute and it is clear OP is not the one having the say in this partnership, as per his last post the wife is the breadwinner and it is clear where this is going. EDIT: Also, I found this from OPs previous home purchase. I guess yo...
by Dieharder
Wed Jan 04, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7406

Re: spousal disagreement over how much house to buy

There is some real bad advice going on here, very unlike the Boglehead community, perhaps a home is an emotional topic and people tend to not look at numbers OP, you stated the combined gross annual income is just over $200K and 23% of monthly gross comes to about $3800 - that is a lot of housing fo...
by Dieharder
Wed Jan 04, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7406

Re: spousal disagreement over how much house to buy

No. 23% is too much. It seems you want to make her happy (don't we all ) but that shouldn't come at a cost later. Have I disagreed with my wife on this? you bet I did. She wanted to buy newer and pricier home just like her friends (as Rod said), I said let us buy less than that and leave some room. ...
by Dieharder
Sat Dec 24, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 10001

Re: Bought a house for 560k in 2007

I suspect we are getting trolled here again ...
by Dieharder
Sat Dec 24, 2016 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 10001

Re: Bought a house for 560k in 2007

20 years with above average income and no savings something still not right. OP isn't giving full disclosure. Two children going to pre-school is costly, but still leaves a lot for savings. That is done now given at least one is going to college. Wife did not work, but she also did not spend for wor...
by Dieharder
Sat Dec 24, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 3671

Re: Las Vegas - should I do anything?

Looks like there is plenty to enjoy for free. I will go to one show with family and friends, that is decided, the rest enjoy on the cheap. I will go to the Casinos but will not spend a dime of my own, instead watch other people and the extravagance. GC should be interesting, and cold is not a proble...
by Dieharder
Sat Dec 24, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 10001

Re: Bought a house for 560k in 2007

Hi I bought a home for $560k in 2007 , paid 10% down and did an interest only mortgage for the loan for 10 years.I was making close to 200k when I initially bought the house and since my wife wasn't working and with two kids my expenses were high and I couldn't save anything.I lost my job in 2014 a...
by Dieharder
Sat Dec 24, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 3671

Las Vegas - should I do anything?

I will be in Vegas for 3-4 days next week, along with family. I don't gamble, and do not like Casino's very much. I don't intend to spend anything even in the slot machines. Some of our friends are also there, they like Casinos and playing the games. They also like shows, my wife and daughter will g...
by Dieharder
Wed Dec 21, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 6472

Re: What are the REAL reasons to avoid international?

Currency risk is the main reason to limit international. I don't think there are enough reasons to avoid it completely. In theory, currency risk is something that is neutral over long periods, however, in reality this is not the case when you look at specific time periods. It is possible that the do...
by Dieharder
Tue Dec 20, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Cycling power meters
Replies: 23
Views: 2402

Re: Cycling power meters

Okay, all of you saying no to this have put me on the fence. I will sit there for a while, since the season is still 3-4 months away :?