Search found 11633 matches

by letsgobobby
Tue Dec 18, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Impressive film in theater Dec 17 and 27 only
Replies: 16
Views: 2604

Re: Impressive film in theater Dec 17 and 27 only

Was not disappointed. Excellent. First class experience. My daughter (11 years old) thought it was good. She asked a lot of good questions. She has recently been assigned to read a non-fiction book of her choice in school and was having trouble imagining non-fiction as a ‘story’, having been mercile...
by letsgobobby
Tue Dec 18, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 37
Views: 3774

Re: I feel cheated, saved too much in 401K vs cash.

If you had the cash, you'd have 30% less of it, based on a WAG at your marginal state plus federal tax brackets plus the tax drag of a taxable investment.
by letsgobobby
Tue Dec 18, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

Tamalak wrote:
Tue Dec 18, 2018 2:45 pm
Everyone look quick, ex-us is up while us is down. It's like spotting a unicorn..
Be hopeful. This is the beginning of a ten year trend!
by letsgobobby
Mon Dec 17, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 997

Re: Fitness tracker for runner

Went with a Garmin forerunner 35 for $140. Closest thing to a watch. Helps to know one can turn off GPS. Thanks folks.
by letsgobobby
Mon Dec 17, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

I have been buying the dip since October. I purchased a small amount whenever the SP500 drops 1% or more. I stopped doing that today. Not because I don't have the money to, but I feel the market has entered a territory that has no support in near term. I think the next "fun" thing is to guess where...
by letsgobobby
Mon Dec 17, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

I am seeing patients of mine experiencing an uptick in layoffs. For several years no one was laid off. I've seen a small handful recently. Mostly in home related industries (construction, timber, cabinet making, landscaping) and trade (ports, timber). Also I listen regularly to Dave Ramsey and Clar...
by letsgobobby
Mon Dec 17, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

Mmm... Good reminder about buying dividends. Guess I better wait another ten days or so to rebalance.
by letsgobobby
Mon Dec 17, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 997

Re: Fitness tracker for runner

What type of runner are you? Are you training for the 100M dash, or something a little longer? The GPS based watches are nice because they will automatically display mile split times, and most of them will pause if you get stuck at a traffic light! How do they do this? Let's say I run 1 mile in 1 d...
by letsgobobby
Sun Dec 16, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 997

Re: Fitness tracker for runner

Just don't want all my movements tracked and I intend to wear this all the time to count my steps.
by letsgobobby
Sun Dec 16, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 152
Views: 9592

Re: Favorite Purchase of 2018?

Blake7 wrote:
Sun Dec 16, 2018 9:45 am
“Blackout” curtains in our bedroom. Sleeping much better now the room is completly dark. Should have done it years ago.
Can you show us what you got?
by letsgobobby
Sun Dec 16, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Impressive film in theater Dec 17 and 27 only
Replies: 16
Views: 2604

Impressive film in theater Dec 17 and 27 only

Looks positively fascinating. https://www.fathomevents.com/events/they-shall-not-grow-old?date=2018-12-17%2000:00:00.000 https://www.nytimes.com/2018/12/16/movies/peter-jackson-war-movie.html?action=click&module=Top%20Stories&pgtype=Homepage Tl;Dr - Peter Jackson of Lord of the Rings fame takes 100 ...
by letsgobobby
Sun Dec 16, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my last rental property in major west coast city?
Replies: 11
Views: 1226

Re: Should I sell my last rental property in major west coast city?

I'm thinking Seattle. If you don't want to come back, I'd sell. The politics in that city have gone off the deep end and look to make being a landlord, in every sense of the word, undesirable.
by letsgobobby
Sun Dec 16, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 997

Fitness tracker for runner

Looking for a fitness tracker/step counter (like a Fitbit) that is easy to use and see and has the functions a runner would need like chronograph, splits, etc, plus HR. VO2 max not necessary but would consider. Don't really need GPS and frankly would prefer not to have it on something I wear all the...
by letsgobobby
Sat Dec 15, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard RMD tax withholding
Replies: 11
Views: 768

Re: Vanguard RMD tax withholding

I withhold at our marginal rate.
by letsgobobby
Sat Dec 15, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 1644

Raspberry pi or starting an 11 year old with programming

Was thinking of getting a raspberry pi for my almost 12 year old. She is strong in math but by virtue of us not having any computer programming expertise she's had no exposure to that. She has the typical 11 year old facility with phones and tablets but how could I affordably and with a light touch ...
by letsgobobby
Sat Dec 15, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: How to Evaluate Giving
Replies: 15
Views: 1168

Re: How to Evaluate Giving

Don't overthink this. If you give to local charities with whom you are personally involved, you can judge their intentions and execution for yourself. We give to a trails advocacy and repair/maintenance group which coordinates thousands of hours of volunteer labor every year to do the things state a...
by letsgobobby
Sat Dec 15, 2018 2:14 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4067

Re: objective data on quietest cars?

One road test of the Insight: 66 dB at 70 mph, concrete freeway

https://youtu.be/mfstqxXwiik

There is hope.
by letsgobobby
Sat Dec 15, 2018 12:41 am
Forum: Investing - Help with Personal Investments
Topic: 529 with a Windfall
Replies: 22
Views: 1650

Re: 529 with a Windfall

Are your children highly likely to go to college? How likely are they to go to graduate school? Are they likely to go to Public University or expensive private schools? Are military academies or athletic scholarships a part of family culture? One thing to think about is the more you have saved for c...
by letsgobobby
Sat Dec 15, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6531

Re: Best headphones under 500 bucks

Costco is selling some Sony noise cancelling headphones for $180. Sounded good to me in store so I bought two, his and hers.
by letsgobobby
Fri Dec 14, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

J G Bankerton wrote:
Fri Dec 14, 2018 9:35 pm
letsgobobby wrote:
Fri Dec 14, 2018 9:31 pm
What if $85k is 1% of Uber doc's portfolio?
He would be a 1%er.
You don't think a bunch of Bogleheads are 1%ers? Or 0.1%ers? Of course they are.
by letsgobobby
Fri Dec 14, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

We are between two large cities (Seattle and Portland) which have shown some of the steepest declines in real estate activity in the country. So this may just be a regional event. Or not. The real estate market has been insane the past few years around here (I'm near Seattle.) Now it's merely sane ...
by letsgobobby
Fri Dec 14, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

I was investing dutifully every 2 weeks in my 401K and taxable accounts. Today out of nowhere, I received an after tax bonus of $85K. Now this changes all my calculations. I put in 10K today in total stock index already. Planning to invest rest in next 4 weeks. Do not know what else to do. I-Bonds,...
by letsgobobby
Fri Dec 14, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

I work in a very industrial town with big exposure to international trade (a busy port). We still have a lot of Hiring signs up. But the job losses I mentioned are real. My community is a bedroom community of a bedroom community of a big city. It peaks later and crashes earlier than the national eco...
by letsgobobby
Fri Dec 14, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in free fall

I am seeing patients of mine experiencing an uptick in layoffs. For several years no one was laid off. I've seen a small handful recently. Mostly in home related industries (construction, timber, cabinet making, landscaping) and trade (ports, timber). Also I listen regularly to Dave Ramsey and Clark...
by letsgobobby
Fri Dec 14, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4067

Re: objective data on quietest cars?

Yes even the Prius is tolerable on good asphalt. But most of the time I'm on concrete and geez. The headache.

Insight was described as "quiet" in every review, so I'm not giving up hope.
by letsgobobby
Fri Dec 14, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4067

Re: objective data on quietest cars?

I remain in the seemingly endless hunt for an affordable, reliable, fuel efficient, safe, and QUIET highway commuting vehicle. I’m hoping the new Honda Insight will fit the bill; early professional reviews have been excellent though the Bogleheads have been more restrained: https://www.bogleheads.or...
by letsgobobby
Thu Dec 13, 2018 1:32 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?
Replies: 10
Views: 1470

Re: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?

Depending on profit sharing and bonus, spouse and I will be just under, or just over, the 2018 MAGI limits for Roth IRA contributions. Unfortunately, she has a small Rollover IRA (currently $27k) that will cause pro rata problems for her if she needs to do a backdoor Roth IRA. I realize that it may...
by letsgobobby
Thu Dec 13, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2619

Re: Should this doctor pay damages for malpractice?

jwblue wrote:
Wed Dec 12, 2018 7:48 pm
I would rather not have any doctor's respond due to those opinions being biased.
How would a doctor's response be more biased, or less, than a patient's?
by letsgobobby
Wed Dec 12, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Lost value in 529 savings
Replies: 23
Views: 1573

Re: Lost value in 529 savings

Stocks go up, stocks go down. Did you know this when you made your initial investment? It's normal and something you have to get used to.
by letsgobobby
Mon Dec 10, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in freefall

Mommy - is this a bear? About half of all S&P500 stocks are already in a bear market (CNBC this morning). I still think we're looking at a near or mild garden variety recession just based on economic fatigue but trade wars could certainly extend the damage. Housing is slumping, fed is still raising...
by letsgobobby
Sun Dec 09, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4051

Re: Rental Car Damage Issue

I was charged with $600 damage to a rental car in Hawaii. Upon request "Viking", to whom the rental agency had outsourced the claims process, sent me 23 pages of photos and documentation regarding the purported damage to the front bumper. I just sent them a photocopy of the little manila cardboard t...
by letsgobobby
Sat Dec 08, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4051

Re: Rental Car Damage Issue

BH friends, I rented a car for 24 hours while on vacation. In the 24 hours it was in my hotel parking lot (key pass required and enclosed) or I was driving it. It was parked one time for around 5 minutes grabbing lunch to go but the parking spot I got was at the end of a row so I always hug the cur...
by letsgobobby
Sat Dec 08, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Should we abandon the Roth IRA (for now)?
Replies: 19
Views: 1977

Re: Should we abandon the Roth IRA (for now)?

I've been spending the early days of December assessing our finances and thinking about any necessary adjustments to retirement savings in 2019. My spouse and I live in California, and I am a resident physician at a UC hospital. We contribute our mandatory 7.5% and 10.2% to our respective employer ...
by letsgobobby
Fri Dec 07, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRA trust
Replies: 5
Views: 355

Re: IRA trust

Anyone have any experience or knowledge about an IRA trust. We spoke to an attorney recently and discussed setting up a revocable trust. During the conversation this IRA trust came up. From what I got during the conversation the benefits include: 1. Can name trust since we cannot name minor childre...
by letsgobobby
Fri Dec 07, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2863

Re: Where did you think we'd be today, ten years ago?

goblue100 wrote:
Fri Dec 07, 2018 10:34 am
letsgobobby wrote:
Fri Dec 07, 2018 10:06 am

Wow. Gas here is still over $3.
Where do you live? $1.88 commonly available around here. Dallas area.

To answer the question in the OP, I couldn't or didn't picture 10 years down the road. I was worried about next week.
Pacific Northwest
by letsgobobby
Fri Dec 07, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2863

Re: Where did you think we'd be today, ten years ago?

I noticed yesterday that gas in my area was under $2.00 again. It reminded me of driving cross-country in December of 2008 and paying less than $2.00 which seemed utterly amazing after the rise in prices in the 2000s, and especially after the summer of 2008. I bought a Prius that spring when I need...
by letsgobobby
Thu Dec 06, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693212

Re: U.S. stocks in freefall

The dow seems in the meaty part of its 2018 range. What’s the big deal?
by letsgobobby
Tue Dec 04, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 127
Views: 11979

Re: Retirement itch- when did you get it?

Early 50’s and I must say I am really surprised by feeling so strongly about retiring much sooner than planned, even a few years ago. Not sure if I’m ready financially as I feel I could live for a few more decades, but between some work disillusionment and seeing mortality for what it really is, I ...
by letsgobobby
Sat Dec 01, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4061

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

Your vehicle probably doesn't have ESC, so I'd get a newer one that does.
by letsgobobby
Sat Dec 01, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10497

Re: Why is Costco gas so much cheaper

Where I live Costco's price is maybe 10 cents lower than other major brands. Costco has almost 100 million members times their membership fee = beaucoup bucks. $60 membership fee x 100 million members = $6 billion. Yup. Annual Earnings Data shows that Costco (COST) are in the range of $3-4B. So the...
by letsgobobby
Sat Dec 01, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6045

Re: I'm up 5% ytd and I will take it

Alexa9 wrote:
Sat Dec 01, 2018 9:07 am
Every investor should have a 50+ year time horizon
Really? Even those who need the money in ten years? What about those who are sixty years old? What about those who are investing trust, foundation, or endowment funds?
by letsgobobby
Sat Dec 01, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Chase credit card - manage two accounts with one login?
Replies: 10
Views: 604

Re: Chase credit card - manage two accounts with one login?

Your entire suite of personal accounts and cards can be added to your business login.
by letsgobobby
Thu Nov 29, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4443

Re: How do Bogleheads justify taking vacation?

Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? So far I have come up with "reasons" for taking vacation, but I can't really justify any of them. - I don't like to do "touristy" things. I couldn't be bothered with whatever monument or landmark. - I a...
by letsgobobby
Sun Nov 25, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2025

Re: Inheritance and Financial Advisor (Advice Please!)

Why do you have to pay a 10% fee on the annuity if you cash it out? My understanding is that if I liquidate the annuity before age 59.5, I pay 10% penalty on the gains. I could be wrong on this or maybe there's an easy way around this penalty. In my circumstances, this would not be a huge hit. My g...
by letsgobobby
Sun Nov 25, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2025

Re: Inheritance and Financial Advisor (Advice Please!)

Why do you have to pay a 10% fee on the annuity if you cash it out?
by letsgobobby
Sat Nov 24, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4785

Re: Should I sell my house?

chipperd wrote:
Fri Nov 23, 2018 7:16 am
Sell. Not even a question in my mind. Long term management of a property isn't a headache you want with a new job and two kids.
Sell sell sell, and it's not even close.
by letsgobobby
Sun Nov 18, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4929

Re: When is Too Long to Return a Hair Dryer to Costco?

My neighbor bought a T3 hair dryer from Costco three or four years ago. It died recently. She told me she was going to return it to Costco for a full refund since it cost around $100. We then had a discussion regarding how long ago was too long ago to return a product like this to Costco. She point...
by letsgobobby
Sun Nov 18, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 33
Views: 3960

Re: Am I understanding this right about DAFs? If so...wow

Also keep in mind that the DAF will charge expenses, so it might behoove you to do #3. Basically the choice is between staying in non optimal funds vs the DAF fee dragging against your donation fund. The DAF has expenses but it is invested and has income that can cover those expenses. Likely still ...
by letsgobobby
Sun Nov 18, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7466

Re: Too many choices for my next TRUCK

Got the truck. It ended up being a new 2019 F250 6.2L FX4, OTD $43K. Thank you for all the advice. The smaller Taco, Ridgeline would not have worked. The 1/2 ton 2WD (any brand) would have done it. But... Toyota was hard to shop for because new ones with the 5.7L and the larger gas tank was rare, f...
by letsgobobby
Sun Nov 18, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 33
Views: 3960

Re: Am I understanding this right about DAFs? If so...wow

My wife and I are getting our financial house in order: recently let go of our advisor, rolled over/transferred many of our assets to Vanguard, developed Investor Policy Statement, bought low cost index funds across our various buckets, reading Bogleheads and taking your great advice. In the proces...