Search found 11581 matches

by letsgobobby
Mon Nov 12, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9090

Re: retirement travel: RVs vs fly/drive/hotel

Gretchen wrote:
Sun Nov 11, 2018 2:43 pm

And of course you can cook in a hotel! ...We often get microwaveable frozen food like lasagna or spinach souffle and eat right in the room.
I think my idea of cooking and yours are different. :wink:
by letsgobobby
Sun Nov 11, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3435

Re: aerobic exercise: rower vs. treadmill and elliptical

The stepmill is unparalleled for low impact cardio plus lower body and can be weight bearing with a weighted backpack. Hardest cardio in the gym. But still no upper body.
by letsgobobby
Sun Nov 11, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9090

Re: retirement travel: RVs vs fly/drive/hotel

How many HI express, Resident Inn, Embassy Suite, and so on are there in say Yellowstone national park? I haven't actually looked (and I bet there are cabins for rent in the park) Last I checked, there are no chain hotels in the park. But there are some just outside in West Yellowstone. Not exactly...
by letsgobobby
Sat Nov 10, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3435

Re: aerobic exercise: rower vs. treadmill and elliptical

Not quite what you're asking for, but I'd get ride of both (treadmill and elliptical) and get a stationary bike. I've never found the treadmill or elliptical to be "strenuous" enough, despite the ability to increase resistance or incline. I find myself getting better workouts on a simple, resistanc...
by letsgobobby
Fri Nov 09, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use a Wealth Manager?
Replies: 26
Views: 2835

Re: Anyone use a Wealth Manager?

We have given Vanguard complete control of our retirement accounts by investing them 100% in a Vanguard LifeStrategy fund that matches our asset allocation. It costs us 0.0013% annually ($1,300 per $1 million). Typical fees for many wealth managers are 1% or higher annually ($10,000 per $1 million)...
by letsgobobby
Mon Nov 05, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4642

Re: Think I have found my new commuter car - 2019 Honda Insight

Thanks. Definitely need to test drive one. For me, the biggest drawback to the Prius is the road noise. It’s absolutely horrendous in the freeway. I could not use that as my daily commuter car. It doesn’t bother my wife at all. What caught my eye about the insight is the reviews which mentioned its ...
by letsgobobby
Mon Nov 05, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12611

Re: Are we in trouble?

Think you'll be ok, deep breath. I would make an informed decision re: CHI house and seasonality. Either lower price aggressively to sell before depths of winter, or hold at higher price potentially for 6 months. We sold a house in DTW in January after being on market for 6 months. We lowered price ...
by letsgobobby
Sun Nov 04, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9090

Re: retirement travel: RVs vs fly/drive/hotel

We've been traveling a lot since we've retired. We hate flying anymore but still do when it's necessary. We used to cruise a lot but the every minute upsells on everything and the downhill quality of dining has turned us off of cruising a lot. We are liking road trips now. Unless we're going to a r...
by letsgobobby
Sun Nov 04, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9090

Re: retirement travel: RVs vs fly/drive/hotel

Try buying a small used inexpensive travel trailer and messing around for a year. That's how you find out what you like, don't like, etc, about the lifestyle. Very little investment, probably under ten thousand dollars, and you can resell it after a year

Think of an Rpod, Casita, etc
by letsgobobby
Sat Nov 03, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1598

Re: Which Prius or something else?

Volt, Camry hybrid, Honda Insight? That's my current short list but I'm 2-3 years out.
by letsgobobby
Sat Nov 03, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2357

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I can view the online version of most newspapers (proquest) and magazines (flipster) with my library card. Or, use a chrome incognito browser instead. Can you describe more about this? Going to the physical library is not going to replace a daily newspaper delivery for me. Maybe when I'm retired. O...
by letsgobobby
Sat Nov 03, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2357

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

Cycle wrote:
Fri Nov 02, 2018 9:43 pm
RB digital is an app my library uses. I read the economist and outside. Its included in my tax bill, ie it's "free"
Wow, this is excellent. Thanks!
by letsgobobby
Fri Nov 02, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2357

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I can view the online version of most newspapers (proquest) and magazines (flipster) with my library card. Or, use a chrome incognito browser instead. Can you describe more about this? Going to the physical library is not going to replace a daily newspaper delivery for me. Maybe when I'm retired.
by letsgobobby
Fri Nov 02, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2194

Re: What does your gut tell you; RMD now or in December?

I am a big advocate of not timing the market, so we decided to wait to do our first RMDs until the end of the year to allow the possibility of growth and continue tax-deferment as long as possible rather than sell when we think the market is at its peak. Sixty percent of our portfolio is in the RMD...
by letsgobobby
Fri Nov 02, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2357

Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

For a while we were subscribing to the NY Times online, WSJ print and online, our large city newspaper online, and our local newspaper online and print. It was coming out to nearly $1000 per year so we cut back on two, but miss the in depth news. We'd even like to add some papers of National or inte...
by letsgobobby
Fri Nov 02, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4642

Re: Think I have found my new commuter car - 2019 Honda Insight

It's a great time to buy a car. November is supposedly the cheapest month. I was hell-bent on buying a Honda or a Toyota last November....I have driven Hondas since 1983.....but I finally settled on a 2017 Hyundai Elantra Limited just after the 2018s came out. Reason? I got a lot more bang for my b...
by letsgobobby
Fri Nov 02, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1190

Re: Where to stay to visit Yosemite

First, Yosemite is a National Park, not a forest.

This is important because dogs are not allowed on any trails in almost any National Park, including Yosemite.

So I'd leave the dogs at home.
by letsgobobby
Thu Nov 01, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me about establishing trusts for our minor children
Replies: 28
Views: 2685

Re: Tell me about establishing trusts for our minor children

It isn’t just a question of the kid’s maturity at 18 — a lawsuit, a divorce, or a disability can happen at any point in adulthood. Protecting the kid’s money against those possibilities is part of the reason for a trust. In my state, an inherited IRA would protect most of OP's assets against lawsui...
by letsgobobby
Thu Nov 01, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4642

Re: Think I have found my new commuter car - 2019 Honda Insight

Separate from the console, what was so unusual about the driving experience? None of the reviewers have commented on it in a negative way.
by letsgobobby
Thu Nov 01, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4642

Re: Think I have found my new commuter car - 2019 Honda Insight

I don't want to burst any bubbles out there, but take it for a test drive. I too was enamored with the Insight in digital form, but I found the driving characteristics of it to be very unusual and sort of a deal breaker for me. The Toyota hybrids (Camry included) drive in a whole other class. Plus ...
by letsgobobby
Thu Nov 01, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Argentina Trip Over Winter Break
Replies: 20
Views: 1636

Re: Argentina Trip Over Winter Break

We did similar about 12 years ago. 1 week in BA and 1 week in Argentinian Patagonia. It’s a big country with long distances. It takes about 4 hours to fly to El Calafate from BA, and sometimes you have to stop in Ushuaia along the way. In El Calafate, we took a bus for several hours to get to El Cha...
by letsgobobby
Thu Nov 01, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4642

Think I have found my new commuter car - 2019 Honda Insight

Getting rave reviews from all quarters. Highlights: - Prius-like mileage - Superior performance in every respect to the Prius - quiet on the road, noted in nearly every review, very important for a long highway drive - noted to be ‘upscale’ by many (open to interpretation but suggesting it is no Pri...
by letsgobobby
Wed Oct 31, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10294

Re: Spouse Diagnosed Non-curable Cancer -- what now?

Time is more valuable than money; make decisions accordingly.
by letsgobobby
Wed Oct 31, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2678

Re: Additional charges for kids in Las Vegas hotels

Hi, For all the hotels in Las Vegas, there are additional person charges for kids below 10 year old also which is like $30/40 per night. If I select 2 bed room and put 2 adults, charges are normal but if I add 2 children for the same 2 bed room, the price increases a lot (there is no free breakfast...
by letsgobobby
Wed Oct 31, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4696

Re: Vehicle recommendations for long commutes in CO mountains

WhiteMaxima wrote:
Sun Oct 28, 2018 1:42 am
Toyota landcruiser, 4runner.
my votes, too.
by letsgobobby
Wed Oct 31, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about establishing trusts for our minor children
Replies: 28
Views: 2685

Re: Tell me about establishing trusts for our minor children

The state estate tax in your state of residence is just over $2 million. If you follow your plan, each of your daughters will inherit an amount equal to more than half her estate tax exemption at age 30. With their own life insurance policies and assets, they are likely to be over the exemption amou...
by letsgobobby
Tue Oct 30, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

FYI I'm using the iPad app Google Sheets
by letsgobobby
Tue Oct 30, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

Thank you for the detailed explanation. I am mostly using cells rather than ticker symbols, where the cells have the VSS or VTSMX in it, without quotes. Ie, googlefinance (A1, "name") where A1 holds VSS. Does that seem correct? I've used this spreadsheet for almost a decade so I believe I'm entering...
by letsgobobby
Mon Oct 29, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

No, it’s not working. Error, “parse error”. No matter how many times I try new spreadsheets, new cells, new ticker symbols. I tried Vanguard ETFs and MFs, as well as a couple of individual stocks. It simply does not work. Like I saiad, the old entries in my spreadsheet work fine, but even if I copy ...
by letsgobobby
Mon Oct 29, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8779

Re: Wow! Just discovered "Portfolio Visualizer".

As I wrote my spreadsheet no longer works consistently. Google spreadsheets seems to be bonking a lot. For > 12 hours last night I couldn’t add any new entries. Plus things are just too complex now. I’d like to avoid an aggregator, certainly I’m not comfortable giving out my log in info to multiple ...
by letsgobobby
Mon Oct 29, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8779

Re: Wow! Just discovered "Portfolio Visualizer".

Yeah, scratch that. PV is not for tracking my investments. Still looking.
by letsgobobby
Mon Oct 29, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

i’d like it to work. It doesn’t. For example, =googlefinance(A1,”price”) returns an error. I can’t get it to work no matter what ticker symbol A1 is. I just opened a new Google spreadsheet, typed VTSMX in A1, and =googlefinance(A1) in A2. A2 now reads 61.47. I changed A2 to =googlefinance(A1,"price...
by letsgobobby
Mon Oct 29, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

My portfolio has gotten way too complex and GoogleSpreadsheets has become too cumbersome to use. Plus there have been repeated problems this year with pulling data on some funds and ETFs, especially Vanguard. What are the best tools out there that will let me enter multiple portfolios each with mul...
by letsgobobby
Mon Oct 29, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

What I really want is to have an instant and ongoing xray of my allocation, as follows: Domestic vs international stocks Stocks vs bonds Bond breakdown by category, both in predetermined categories and in categories I describe (intermediate munis, I, EE, stable value, treasuries, total bond, etc) Va...
by letsgobobby
Mon Oct 29, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8779

Re: Wow! Just discovered "Portfolio Visualizer".

How do you enter a portfolio in PV? I can’t find the data entry fields. Starting here: https://www.portfoliovisualizer.com/backtest-portfolio Look at the rows: Asset1, Asset2, etc. There's a field for "Ticker Symbol" and % My portfolio is in dollars, not percentages, and changes daily. How do I ent...
by letsgobobby
Mon Oct 29, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8779

Re: Wow! Just discovered "Portfolio Visualizer".

How do you enter a portfolio in PV? I can’t find the data entry fields.
by letsgobobby
Mon Oct 29, 2018 12:53 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Re: Giving up on GoogleSpreadsheets. Need alternative.

TimeRunner wrote:
Sun Oct 28, 2018 8:50 pm
Have you seen this thread? viewtopic.php?t=240332
Those workarounds are too complicated for me. I want something I don’t need to create from scratch.
by letsgobobby
Sun Oct 28, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3880

Giving up on GoogleSpreadsheets. Need alternative.

My portfolio has gotten way too complex and GoogleSpreadsheets has become too cumbersome to use. Plus there have been repeated problems this year with pulling data on some funds and ETFs, especially Vanguard. What are the best tools out there that will let me enter multiple portfolios each with mult...
by letsgobobby
Sun Oct 28, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 38
Views: 6463

Re: Google sheets not pulling stock prices

I am not able to get my spreadsheet to update using googlefinance for any new entries. It's working for all old holdings - updates daily, updates when I update the share total, etc. But if I enter a new line, it does not work. I just get 'error'. Even trying to pull, for example, data on VTIAX, whic...
by letsgobobby
Sat Oct 27, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Being true to my IPS, or violating it?
Replies: 22
Views: 1995

Re: Being true to my IPS, or violating it?

Sit on it three more months unless you might bail with another 10-50% decline. In that case you should change now but also promise you will never go back to a higher equity level.
by letsgobobby
Sat Oct 27, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Being true to my IPS, or violating it?
Replies: 22
Views: 1995

Re: Being true to my IPS, or violating it?

As I put together my first IPS almost 2 years ago, and considered my risk tolerance, I came up with a fixed income allocation of AGE - 15. Being that I am now 47, that pegs my fixed income allocation at 32% and I am pretty close (within my rebalance bands) to that percentage. At the time, I reviewe...
by letsgobobby
Fri Oct 26, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604675

Re: U.S. stocks in freefall

Continued my value averaging just a few minutes ago. I'm glad I can buy at 2017 prices and don't feel bad that I didn't lump sum. Markets are still expensive so not diving in and will continue value averaging as planned.
by letsgobobby
Fri Oct 26, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 2824

Re: Unplugging from Tech Tips

is Bogleheads part of the problem?

It is for me.
by letsgobobby
Thu Oct 25, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604675

Re: U.S. stocks in freefall

How much have stocks typically fallen by the time those indicators tell you to move out of stocks?
by letsgobobby
Thu Oct 25, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1556

Re: Net worth compared to Medicare earnings

Two previous threads on this topic

viewtopic.php?t=176693

viewtopic.php?t=111483

I have used inflation adjusted lifetime earnings, plus inflation adjusted gifts and inheritances.

We're around 75% in our mid 40s.
by letsgobobby
Wed Oct 24, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7611

Re: Reaction to Market

Best thing you could do is look at your asset allocation and adjust as necessary based on your reaction to the last few weeks. Hard to tell if this is the start of a 50%+ drop or a minor correction. Make sure you're positioned for either. I will stay the course and tune out the noise. But I admit, ...
by letsgobobby
Wed Oct 24, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604675

Re: U.S. stocks in freefall

Makes me think of the Bradbury short story "All Summer in a Day" where the sun only comes out one day a year on Venus... That was kind of a sad story. It's only once every seven years. One of my favorites. https://www.google.com/url?sa=t&source=web&rct=j&url=http://staff.esuhsd.org/danielle/English...
by letsgobobby
Wed Oct 24, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3380

Re: "consultation fee": standard for preventative colonoscopy?

My GI offers this as an over the phone nurse appointment for low risk/routine screening. There is no charge. Might ask for this or call around looking for it.
by letsgobobby
Wed Oct 24, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7611

Re: Reaction to Market

yousha wrote:
Wed Oct 24, 2018 6:36 pm
Difficult to follow the Philosophy aspired by the Organization after today's dumpster dive even with the appropriate risk reward ratio. $100,000 paper loss today.
Market isn't even down ten percent. Are you sure your risk reward ratio is appropriate?
by letsgobobby
Wed Oct 24, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: 529: multiple accounts for the same beneficiary
Replies: 19
Views: 1836

Re: 529: multiple accounts for the same beneficiary

For a given beneficiary, multiple 529s does nothing to change gift taxes or estate taxes, unless you would exceed a plan's maximum. The advantage is in segregating gains by account, so that non qualified withdrawals can be limited to those accounts with the fewest gains, thus limiting taxation and p...