Search found 2664 matches

by hudson
Mon May 25, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6356

Re: Toyota 4 Runner

Blues wrote:
Mon May 25, 2020 9:57 am
tvubpwcisla wrote:
Mon May 25, 2020 7:37 am
If you can get a 4Runner with the KDSS option it is awesome!
My Trail Edition Premium has it. It's been good for us. Not everyone is a fan, however. Pros and cons, as with anything.
what is KDSS? I looked it up: https://en.wikipedia.org/wiki/Kinetic_D ... ion_System
by hudson
Mon May 25, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 90
Views: 6158

Re: If Jeep has such poor reliability, how come they are everywhere?

From an off road and trail perspective: ....snip.... There are not many other types of off road vehicles similar to a 2 door Jeep Wrangler Rubicon in overall all around capability . So, regardless of some reliability issues, if you have to have it, then you have to have it. Now, if Toyota made a mo...
by hudson
Mon May 25, 2020 6:13 am
Forum: Personal Investments
Topic: Start adding bonds - best approach?
Replies: 19
Views: 1317

Re: Start adding bonds - best approach?

Have you seen bond prices? interest rates at 0.25. It's like a flashing light and buzzer going off - buy stocks, buy stocks..... Every book, manual and expert would agree. Being over-conservative just for sake of being over conservative makes no sense to me. Ill keep reading - i need numbers to con...
by hudson
Mon May 25, 2020 6:06 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6356

Re: Toyota 4 Runner

My 2018 4Runner SR5 didn't have any of the modern stuff....no auto braking, blind spot monitor. The new ones might. It did have a backup camera. I'm not an off road person, but I needed to go somewhere on a forest service road in the Pisgah National Forest. The road hadn't been maintained in years....
by hudson
Mon May 25, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6356

Re: Toyota 4 Runner

How is 4Runner to daily drive on regular roads. How is it in the rain with 4wd It drives fine on regular roads and interstates. My SR5 has a high 4WD and a low 4WD. Both are only for low or lower speeds on off pavement or very slippery conditions. There's a turn-around that I have to make regularly...
by hudson
Sun May 24, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6356

Re: Toyota 4 Runner

i drove one, and liked it, but no blind spot monitor for some reason My 2018 4Runner SR5 didn't have any of the modern stuff....no auto braking, blind spot monitor. The new ones might. It did have a backup camera. I'm not an off road person, but I needed to go somewhere on a forest service road in ...
by hudson
Sun May 24, 2020 3:18 pm
Forum: Personal Investments
Topic: Start adding bonds - best approach?
Replies: 19
Views: 1317

Re: Start adding bonds - best approach?

nix4me,

I vote this. I like gradually.
1. Use contributions to buy bonds each paycheck?
Have you read Swedroe's bond book?
by hudson
Sun May 24, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 48
Views: 2426

Re: New Tires or New Car?

justsomeguy2018 If I could fix it by adding just one tire, that's what I would do. If I figured the solution was to add a new set of tires at $1100...not a huge deal. I disregard all rules of thumb and advice from people at dealerships. I would drive it until the wheels fall off....or 10 years minim...
by hudson
Sun May 24, 2020 11:53 am
Forum: Personal Investments
Topic: What to do with cash?
Replies: 29
Views: 4053

Re: What to do with cash?

achen9291 I'll just deal with the 50K that you might need soon. If it was me, I would put it in AMEX Bank at 1.3%....unless they've dropped again since I looked last. Any of the high yield savings places are fine. I like AMEX because if I ask for a transfer before 11:30 AM, it's usually in my checki...
by hudson
Sun May 24, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Coursera Google IT Support Professional Certificate
Replies: 2
Views: 336

Re: Coursera Google IT Support Professional Certificate

delamer, I know nothing about Coursera. When I was trying to break into the IT field, I got my A+ certification. The instructor said, that that certification would get you a job. That was 20 years ago. It took me a little longer to get the job than I thought...but my new employer was looking for tha...
by hudson
Sun May 24, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 90
Views: 6158

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by hudson
Sat May 23, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 300
Views: 20527

Re: The axe falls and I am prepared. What's next?

3) I am a technical person. So, I am only hired to solve a tough technical interesting problem that most people had failed to solve. B) Very tough network/system problem [/b] that many people had failed to fix over months. S KlangFool There's a need. for that! I was not that person; I needed that p...
by hudson
Fri May 22, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 300
Views: 20527

Re: The axe falls and I am prepared. What's next?

Klangfool, Getting laid off is hard to swallow. I'm sorry. It looks you got an ok severance. I've been reading your posts for years; it looks like you followed your plan and you're ready. If it was me, and I wasn't at full retirement age (FRA) yet, I would go after another job just like I was in my ...
by hudson
Fri May 22, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12033

Re: Selling home - low ball negotiation

I have a good friend serving as our realtor, who is smart and experienced. Some of the realtor bashing here is uncalled for. I agree. I had to sell an acre of land on some water. A friend recommended a realtor. She did a great job of coaching me. She said that she would not take my property until I...
by hudson
Fri May 22, 2020 12:25 pm
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11328

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

anoop wrote:
Thu May 21, 2020 2:53 pm
I got out in early 2008 and never got back in. :)
me too...but not early enough...
by hudson
Fri May 22, 2020 11:37 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11328

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

I found this here, reference it when the headlines howl, and share it with friends and family: https://scontent-atl3-1.xx.fbcdn.net/v/t1.0-9/99236635_10223538712004154_7128669881905446912_n.jpg?_nc_cat=111&_nc_sid=e007fa&_nc_ohc=Xi6ngG7_ZbQAX_dx5s1&_nc_ht=scontent-atl3-1.xx&oh=86a642ff6df966faeaba9...
by hudson
Fri May 22, 2020 8:52 am
Forum: Personal Investments
Topic: Should We Our Shorten Bond Duration?
Replies: 43
Views: 2516

Re: Should We Our Shorten Bond Duration?

Anybody think this is not a good idea? galeno, Is it a good idea? As you know, nobody knows. I personally am going to stick with intermediate bonds. Larry Swedroe said that intermediate is the "sweet spot" for bonds. You've probably read his bond book? For my fixed income, I like Treasuries or CDs ...
by hudson
Thu May 21, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1238

Re: Cancel for any reason - travel insurance

pivoprussia,

I self insure on actual trip costs.
On long distance trips, I'll buy medical evacuation insurance.
by hudson
Thu May 21, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1668

Re: Frequency of bike overhaul or tune up

If you are a fair weather rider who rides only when it is dry and only on the roads, avoids potholes and other obstacles, etc. you could go years, a decade even without needing much of anything other than periodic air in the tires. If you ride in more varied conditions - wet, off-road, etc. you wil...
by hudson
Thu May 21, 2020 5:15 pm
Forum: Personal Investments
Topic: What to do with money in moneymarket account
Replies: 6
Views: 877

Re: What to do with money in moneymarket account

Based on previous advice here, I have maxed out my 401k on both mine and my wife's account. Next question I would like to get thoughts on. I have 60 grand in money market account that I know need to do something with. Also have another 25k in another money market / cds as emergency fund. I understa...
by hudson
Thu May 21, 2020 5:01 pm
Forum: Personal Investments
Topic: Cash to bonds. But where?
Replies: 13
Views: 1229

Re: Cash to bonds. But where?

What would you do? I agree with Bloomxxxx. I'd consider using a high yield savings account. For funds that I might need in the short term, I use AMEX...or American Express Bank at 1.3%. I like AMEX because if I request a transfer before 11:30 am on a business day, it's in my local credit union befo...
by hudson
Thu May 21, 2020 12:19 pm
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11328

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Now, very upset that I missed out on a 5%+ rally. Choose your adventure---do you: A) Admit that you screwed up, buy back into TSM immediately, and forget it B) Stick to the original logic (which is even more compelling now), and wait for a reversal of the "bear market rally" C) Attempt to apply hig...
by hudson
Wed May 20, 2020 6:20 pm
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 13
Views: 351

Re: projected distribution yields

This is because we’ve been in a declining rate environment over the last 18 months. Had rates increased or remained flat the NAV would likely have been lower (partially offsetting the incremental cash flow from the distribution yield). I do think we are on the same page though. Good discussion :sha...
by hudson
Wed May 20, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 13
Views: 351

Re: Best CD rates thread

A combination of SHM and TFI should allow you to create a reasonably high quality municipal bond holding with the duration you want on most investing platforms. BMBIX, by comparison, isn't purchasable on some of the mainstream platforms like Merrill Edge. Thanks SanjiWatsuki! I read about these a f...
by hudson
Wed May 20, 2020 5:17 pm
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 13
Views: 351

Re: projected distribution yields

I understand why you gravitate toward distribution yield, but that does not mean it's all income and not partially a return of principal. It's simply the monthly cash flow. I'd submit that one reason it is hard to see the impact on a bond fund NAV is because market interest rates do not stay the sa...
by hudson
Wed May 20, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19181

Re: What is your most luxury/expensive hobby.

You're about 20 years ahead of me! I still have a North Face Westwind and Windy Pass Bee's Knees (0F Polarguard bag) from over 30 years ago. I wouldn't buy anything like that now, because I've become more of a "fair weather" backpacker as I've become (considerably) older. I did spend over $350 on a...
by hudson
Wed May 20, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19181

Re: What is your most luxury/expensive hobby.

The guy into the video ran into problems...not enough tent....that's what winter backpacking can do to you. All of what you write is true (except for the 50 lbs part*). But in fairness to the video, the very experienced guy tests and reviews tents and knew exactly what he was getting into. An under...
by hudson
Wed May 20, 2020 12:43 pm
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 13
Views: 351

projected distribution yields

Edited to add - I see a 30-day SEC yield of only 1.53% as of May 18, 2020. For ETF ICSH... https://www.ishares.com/us/products/258806/ishares-liquidity-income-etf#/ Distribution Yield... 12 month Trailing Yield as of May 18, 2020 2.33% I don’t buy into using the distribution yield over the 30-day S...
by hudson
Wed May 20, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death MN help
Replies: 9
Views: 602

Re: Transfer on Death MN help

I'm filling out a Transfer on Death Deed in Minnesota, the intent is to give our home to our 4 adult children when my wife and I die. If I wanted to do that, I would get help from the attorney that wrote my will...or the equivalent. I have a friend that's a trust officer. He likes to tell nightmare...
by hudson
Wed May 20, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19181

Re: What is your most luxury/expensive hobby.

Down is not old school, but it is now 950 and up fill power and treated to be water resistant and waterproof. White gas stoves are still great for winter and melting snow. Here is a great winter camping video: https://www.youtube.com/watch?v=Gl98SOoKq38 The guy into the video ran into problems...no...
by hudson
Wed May 20, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 13
Views: 351

Re: Best CD rates thread

Edited to add - I see a 30-day SEC yield of only 1.53% as of May 18, 2020. For ETF ICSH... https://www.ishares.com/us/products/258806/ishares-liquidity-income-etf#/ Distribution Yield... 12 month Trailing Yield as of May 18, 2020 2.33% Under Portfolio , the credit quality looks average. If I were d...
by hudson
Wed May 20, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19181

Re: What is your most luxury/expensive hobby.

Backpacking. The most expensive piece of kit: A Subaru to get me to starting points. Otherwise, the rest of the stuff is only expensive for an unemployed college student. Most of it is carbon fiber, titanium, and Dyneema Composite Fabric. I'm a backpacker also, though don't have any DCF stuff (at l...
by hudson
Wed May 20, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 13
Views: 351

Re: Best CD rates thread

Perhaps another option is the ETF I used for temporary cash parking (although this time I haven't used it) - iShares Ultra Short-Term Bond ETF ICSH This is ultra-short bond fund - SEC yield 1.92%, Duration less than a year, Expense Ratio 0.08%. Hudson, I would like to hear your thoughts on using a ...
by hudson
Wed May 20, 2020 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86529

Re: Best CD rates thread

It may be the best that is available today, but that does not mean it's better than what might be available next week or month or this summer. So what's my point? Promotional CD's come up from time to time. You need to be patient and when they show up you need to clear the decks and focus all of yo...
by hudson
Wed May 20, 2020 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86529

5 year CD at 2%

Mike and Evelyn, I would have to hold my nose on the 5 year 2% CD. I think that it's the best available. One could wait for those 3% specials that pop up. Who's predicting that? I'm batting zero on predictions. For emergency fund type money, I can settle for low interest. For long term...not needed ...
by hudson
Tue May 19, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19181

Re: What is your most luxury/expensive hobby.

pezblanco wrote:
Tue May 19, 2020 7:29 pm
Where I live, you're not a true mountain biker if your car costs more than your bike.
Exciting! Sounds like a good place to ride!
by hudson
Tue May 19, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Three years of emergency fund too much in this time?
Replies: 39
Views: 4299

Re: Three years of emergency fund too much in this time?

Thanks, is there any disadvantage to put too much in Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares? I was thinking of putting ~100k there. Would you recommend dividing it up to other Bond account(s)? I own VWIUX and think that it's a good fund...with high quality holdings. It dropped pr...
by hudson
Tue May 19, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19181

Mountain Biking

Mountain Biking: I spent $1500 rebuilding a good frame in 2011. Its still rolling. I swap out the drive train parts as needed. YouTube and I do most of the work. I guess the expensive part is the vehicle that hauls it to the trailhead.
by hudson
Tue May 19, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Car now provided by employer; get rid of one personal car?
Replies: 13
Views: 735

Re: Car now provided by employer; get rid of one personal car?

lrt12, When I've been in the same situation, I do the math on the cost to keep the extra car while I'm thinking things over. Then I hold on to the car and see how it goes. I remember one of my "keepers" that was never driven. My kids drove it down into the woods and camouflaged it. It was gone withi...
by hudson
Tue May 19, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86529

Re: Best CD rates thread

Evelyn, If I had funds that needed investing today, that I wouldn't need in 5 years, I would go with the 2% deal for 5 years. The other alternative would be a high quality muni fund....but that won't work for everyone. My plan has always been to just take the best available 5 year deal and go with i...
by hudson
Tue May 19, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Three years of emergency fund too much in this time?
Replies: 39
Views: 4299

Re: Three years of emergency fund too much in this time?

Thanks, is there any disadvantage to put too much in Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares? I was thinking of putting ~100k there. Would you recommend dividing it up to other Bond account(s)? I own VWIUX and think that it's a good fund...with high quality holdings. It dropped pr...
by hudson
Mon May 18, 2020 5:32 pm
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1198

Re: Moving from Treasuries to CDs

What is the goal of your fixed income holdings? Are you seeking yield, or are you primarily interested in reducing volatility in your overall portfolio? Reducing volatility for the most part. I dont generally reach for yield but it seems like 1.3% with 7mo duration is better than .67% with a 7yr du...
by hudson
Mon May 18, 2020 5:47 am
Forum: Personal Investments
Topic: BH for a year now; what to do with new $ from a real estate Sale
Replies: 21
Views: 1677

Re: BH for a year now; what to do with new $ from a real estate Sale

Have you read Bernstein's Ages of the Investor or Four Pillars? Not those, no. Recommended reading?? [/color] [/quote] Recommended reading...yes...along with Swedroe's bond book. Bernstein posts: https://www.bogleheads.org/forum/search.php?author_id=2464&sr=posts 22% tax bracket and munis. Munis (u...
by hudson
Sun May 17, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86529

Re: Best CD rates thread

Yep, there are no ownership category tricks to increase FDIC/NCUA deposit insurance above $250K in an IRA. Kevin I agree. You probably don't want to open one for $250K. Maybe do the math and open it for less than $250K. Leave enough room for the interest so that you don't run over. I think Kevin M ...
by hudson
Sun May 17, 2020 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Three years of emergency fund too much in this time?
Replies: 39
Views: 4299

Re: Three years of emergency fund too much in this time?

Do your homework, do the math, and shop around...but consider this.... #1 30K in High Yield Savings 100K in a 2% CD....2-5 years...I like 5 70K in VWIUX or BMBIX...high quality intermediate muni funds..if your tax bracket allows. What do you mean by "if your tax bracket allows? I am not familiar wi...
by hudson
Sun May 17, 2020 7:36 pm
Forum: Personal Investments
Topic: Beneficiary for brokerage account—why?
Replies: 13
Views: 900

Re: Beneficiary for brokerage account—why?

Dear Bogleheads, I recently noticed on my Vanguard account that it asked my to name beneficiaries for my taxable brokerage account. My questions is why, because I thought that it was only important for retirement accounts to name a beneficiary, since that would take precedence over what a will does...
by hudson
Sun May 17, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Three years of emergency fund too much in this time?
Replies: 39
Views: 4299

Re: Three years of emergency fund too much in this time?

too much emergency fund (currently in high yield saving account). have around 200k in taxable account. I can't help but thinking we should put the money to work harder than the current low interest rate. So my question is: are we on the too conservative? What are your recommendations given our situ...
by hudson
Sun May 17, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 7680

How are you handling this situation?

New York Times article May 17, How are you handling this situation? $1 million in holdings returns $13,000 in interest. Paul, I don't have any funds to invest now, but if I did, I would take a hard look at the following: Vang. Intermed. Muni VWIUX...May 1 it paid out 2.56% (yearly rate)...no federa...
by hudson
Sun May 17, 2020 4:17 pm
Forum: Personal Investments
Topic: BH for a year now; what to do with new $ from a real estate Sale
Replies: 21
Views: 1677

Re: BH for a year now; what to do with new $ from a real estate Sale

Randtor, I didn't see your tax bracket?
If $500K is proper to go into taxable, the classic solution MIGHT be munis??
It depends.
Have you read Bernstein's Ages of the Investor or Four Pillars?