Search found 959 matches

by Dieharder
Sat Sep 23, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 10
Views: 277

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: 1994

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: 903

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: 903

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: 9701

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: 903

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: 7849

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: 41116

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: 1871

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: 1871

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: 3516

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: 4805

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: 4805

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: 4805

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: 44
Views: 3563

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: 5047

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: 8220

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: 8220

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: 8220

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: 254

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: 8220

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: 8854

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: 5428

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: 976

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: 507

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: 507

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: 2608

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: 4991

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: 4991

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: 1160

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: 1502

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: 7279

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: 7279

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: 7279

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: 9795

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: 9795

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: 3551

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: 9795

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: 3551

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: 6319

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: 2347

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 :?
by Dieharder
Tue Dec 20, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9144

Re: Hard Endeavor/Exercise in Middle Age

Road cycling. I put in around 100 miles a week when in season, sometimes more when doing century rides. Keeps me fit and motivated to go out. I just upgraded to a light weight climbing bike on end of season sale at a deep discount. Cannot wait for next season to begin.
by Dieharder
Sun Dec 18, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help: Drowning in Debt
Replies: 60
Views: 6743

Re: Need Help: Drowning in Debt

Our kids goto a private school and we owe $23K for the rest of this year (we are currently late, and paid ~20K so far)


This should've been a giveaway that this is a troll. Schools don't let you be late on payment. You pay on time or your kids aren't going there.
by Dieharder
Sun Dec 18, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Garage door gets stuck when opening/closing
Replies: 34
Views: 2995

Re: Garage door gets stuck when opening/closing

Usually a broken spring, easy fix and should cost you a few hundred. Try if you can "help" it along to open as a workaround until you get it fixed. Try this: while staying next to the door, hold the remote in hand and press the button and as the door starts opening, place your palm on the ...
by Dieharder
Sun Dec 18, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 5243

Re: Thoughts on SUV for retirement.

I personally would not get a GX unless you are planning on off-roading. The GX is a real body-on-frame SUV that will be great off-road but makes compromises on-road. I am not sure what those compromises are? I've heard some of these arguments when I asked opinions too, mostly from people who haven'...
by Dieharder
Sun Dec 18, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 5243

Re: Thoughts on SUV for retirement.

I personally would not get a GX unless you are planning on off-roading. The GX is a real body-on-frame SUV that will be great off-road but makes compromises on-road. I am not sure what those compromises are? I've heard some of these arguments when I asked opinions too, mostly from people who haven'...
by Dieharder
Sat Dec 17, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Funds in Portfolio
Replies: 45
Views: 6308

Re: Stable Value Funds in Portfolio

I use them. About 10% of overall portfolio is in stable value fund (Vanguard Retirement Savings Trust) with yield around 2%. They won't grow any more than that, I know this, they just preserve the value. However with low inflation, there is no issue with losing value of principal. Rest of the portfo...
by Dieharder
Sat Dec 17, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help: Drowning in Debt
Replies: 60
Views: 6743

Re: Need Help: Drowning in Debt

One thing OP didn't mention was household help, like a cleaning person. I wonder if that is a discretionary expense that could be trimmed. Lots of folks in DC seem to be unwilling to clean their own houses or mow their own lawns. These are small expenses that won't break the bank. I pay $100 a mont...
by Dieharder
Sat Dec 17, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 5243

Re: Thoughts on SUV for retirement.

I have replied earlier as a Lexus owner, but I will throw in couple more things to consider. The lower cost of Acura or Pilot also comes with its set of problems. Both have minor mechanical issues from time to time. Acura has several issues including problems with the 9-speed shift, and that is shar...
by Dieharder
Sat Dec 17, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help: Drowning in Debt
Replies: 60
Views: 6743

Re: Need Help: Drowning in Debt

Like others have said, what I see is a huge budgeting problem. Unfortunately, you have already indicated that you are the problem here, and the wife probably isn't helping very much either. I am not sure if you have the will power to change things around, a lot of people in this situation don't, but...