Search found 66 matches

by radeon962
Tue Jun 11, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: College Credits to stay on Parents Health Insurance
Replies: 17
Views: 1320

Re: College Credits to stay on Parents Health Insurance

Check with your employer. Mine allows children to stay on until the end of the month in which they turn 26.

Student or not does not matter.
by radeon962
Thu May 23, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 12376

Re: Is the housing market starting to collapse?

Seems strong in our area of SE Michigan. 3 homes sold within a few days of listing and all had multiple offers and sales ended up for more than they listed.
by radeon962
Mon May 20, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 14391

Re: Tired of gas grills rusting out...

Weber grill here in Michigan going on 5+ years and still looks like new. Throw a cover on it and leave it on the back deck. When we got it delivered the guy said the only time he has replaced a Weber is with a new one when someone wanted a larger/smaller size. Other brands he said you can't even rol...
by radeon962
Thu May 09, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: New smartphone recommendations
Replies: 20
Views: 1809

Re: New smartphone recommendations

Pixel 3a at $399 if the camera is anywhere near the top of your list of needs/uses for your smartphone. It will trounce the camera of any other midrange phone as well as the camera of most any year old or more flagship phone (and even some current flagships). Stock Android (no bloatware or other use...
by radeon962
Wed Apr 10, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6503

Re: How Much Do You Pay For Haircut?

$20.

Haircut is $16 and if I have a coupon (usually are the $9.99 or $5 off variety) then the person cutting my hair gets a bigger tip as I still pay $20.

They seemed to have figured it out as I typically get a coupon from the stylist when I'm paying.
by radeon962
Fri Mar 29, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Timing the mortgage market
Replies: 26
Views: 2276

Re: Timing the mortgage market

We refinanced from a 30 year at 4% to a 15 year at 2.75% in January 2017. We make the same payment on the 15 as we did on the 30 so we just prepay more now.
by radeon962
Wed Mar 27, 2019 12:00 pm
Forum: Personal Investments
Topic: 60/40 now or closer to retirement?
Replies: 32
Views: 3693

Re: 60/40 now or closer to retirement?

In my opinion it depends of how large the 40% is at some point. If I have enough, as I define it, in the lower risk asset bucket, the so called 40%, then why not then take more risk with future investments? Why continue to amass lower risk, lower return assets at the same rate when I have already "...
by radeon962
Mon Mar 18, 2019 9:24 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 81
Views: 12511

Re: Where do you keep your Emergency Fund?

Amex savings @ 2.1%. 6 months is kept here.
by radeon962
Sat Mar 02, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 8156

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

Buy used from a local dealer. He treats my family well over the years and there is a lot to be said when you establish a relationship (having 6 kids, 5 of which currently drive and 8 vehicles at one time keeps them interested as well).
by radeon962
Sat Aug 11, 2018 3:41 pm
Forum: Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1496

Re: 10 year check up, look back and look forward to retirement

Since the topic of when to take SS benefits came up, Mike Piper created a calculator that helps couples optimize their benefits. I ran the numbers for my wife and me and it had a better plan than the one I had in mind. Here is a link to the thread. https://www.bogleheads.org/forum/viewtopic.php?f=2...
by radeon962
Sat Aug 11, 2018 8:24 am
Forum: Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1496

Re: 10 year check up, look back and look forward to retirement

I'll look more into the 529 and see as it may help with our 6th grader.
by radeon962
Fri Aug 10, 2018 5:14 pm
Forum: Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1496

Re: 10 year check up, look back and look forward to retirement

.... SS at 62 as an additional option. It would be helpful to know what your wife's age is relative to yours. IF you do not need the SS money to manage from age 62-70, there is a good case to be made for waiting until age 70. Around age 80 is the breakeven point where the advantage of taking a larg...
by radeon962
Fri Aug 10, 2018 2:55 pm
Forum: Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1496

Re: 10 year check up, look back and look forward to retirement

I have been in the accumulation phase and have not been too concerned with the taxable up to this point but thanks for the input as that will be important as I move along so that I don't waste money in retirement on taxes that I could have otherwise done a better job of planning for. I do anticipate...
by radeon962
Fri Aug 10, 2018 1:34 pm
Forum: Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1496

10 year check up, look back and look forward to retirement

I made my initial post here back in 2009 and received a lot of good advice that I implemented and stayed the course since that time. Moved away from managed funds and just moved everything to index funds and ignored the noise over the past many years. Retirement account at that time was $270,000 wit...
by radeon962
Fri Aug 10, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26701

Re: most compelling TV character ever

Alan Alda as Hawkeye in MASH
by radeon962
Tue Jul 10, 2018 1:59 pm
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8965

Re: What % of your equity is int’l?

22% overall

28% of equities
by radeon962
Wed Mar 21, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 63
Views: 6543

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

I didn't read all the replies, but Anker is what I would recommend that you buy.
by radeon962
Sun Mar 04, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 43533

Re: What do you splurge on?

Smart phones and golf.
by radeon962
Wed Feb 21, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 43533

Re: What UN-frugal thing do you do?

Bought another shaft for my driver even though it's February in Michigan and just won't be golfing for another few months.
by radeon962
Tue Feb 20, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Golf Bag
Replies: 22
Views: 1904

Re: Golf Bag

Another vote for Sun Mountain. 2.5, 3.5 or 4.5 depending on your desired weight. I went from a Ping Hoofer 14 this past season as there are not full length dividers for all the slots and club tangle finally got to me and I sold it and went with the SM 4.5.

Lots of info over at golfwrx.
by radeon962
Sun Feb 18, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12535

Re: Do you wear a wedding band?

Yes simple gold band worn for the past 25 years.
by radeon962
Thu Jan 18, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 12606

Re: Besides Bogleheads, What Are Your Favorite Forums?

Forums related to the other things I enjoy: Golf, computers and smartphones.
by radeon962
Sun Jan 14, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1836

Re: OnePlus 5t Smartphone?

If you have purchased from OnePlus using a credit card keep a close eye on your statement. It sounds like they have been hacked.

https://forums.oneplus.net/threads/cred ... ud.747206/

https://www.fidusinfosec.com/oneplus-ch ... rocessing/
by radeon962
Sun May 21, 2017 4:49 pm
Forum: Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 20188

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

What if part of your plan is to leave money to your kids. When both parents die and no children 16 or under, Social Security ends. Your 401k or other retirement accounts go to your heirs. If you defer SS to 70 you will be spending down your retirement accounts for 8 years reducing what might be avai...
by radeon962
Fri Jul 29, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 3997

Re: Last day for free update to Windows 10

No Media Center support in Windows 10. There are some hacks available to get you close but nothing as polished and as easy as in Windows 7. We use Media Center to record cable TV via cable card to a large hard drive and then can share the recorded shows over the network. It's a DVR with full guide f...
by radeon962
Thu Jan 02, 2014 11:31 am
Forum: Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 53
Views: 8031

Re: When to invest $5,500 in Roth IRA in 2014?

From an article about Warren Buffet: What would Buffett do? At the 2004 Berkshire Hathaway (NYSE: BRK-A ) (NYSE: BRK-B ) shareholders meeting, Buffett was asked by one investor if he should buy Berkshire, invest in an index fund, or hire a broker. Buffett delivered with his typical, common-sense rat...
by radeon962
Mon Dec 16, 2013 8:32 pm
Forum: Personal Investments
Topic: Emergency Fund... 100% Cash or Invest Portion
Replies: 6
Views: 1016

Re: Emergency Fund... 100% Cash or Invest Portion

I already have an umbrella policy.

Good idea on the deductibles. I'll take a look at where they are at. Family vehicles carry collision as they are newer. Kids cars have basic coverage.
by radeon962
Mon Dec 16, 2013 7:46 pm
Forum: Personal Investments
Topic: Emergency Fund... 100% Cash or Invest Portion
Replies: 6
Views: 1016

Emergency Fund... 100% Cash or Invest Portion

I received some excellent advice back in 2009 and have worked to hit my goals from that time. I have paid off all of our vehicles, no credit card debt or other debt other than the mortgage at 4% which we are working on paying down early by paying $300/mo. additional. My EF is now $30,000 in Amex Sav...
by radeon962
Fri Dec 06, 2013 9:19 pm
Forum: Personal Investments
Topic: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQCIX)
Replies: 6
Views: 871

Re: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQ

That's where I'm at. It's hard to argue with his success, but he will retire eventually and I do like to index but in the case of the specific bond index, it just does not follow the mean like Vanguard TB. The choices in my plan for index funds are not good as they are all Vantagepoint index funds. ...
by radeon962
Fri Dec 06, 2013 4:23 pm
Forum: Personal Investments
Topic: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQCIX)
Replies: 6
Views: 871

PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQCIX)

I received a lot of good advice here a few years back and am working towards all of the goals that I set. One that I am still struggling with is whether to keep my bond allocation split 50/50 between PIMCO Total Return (PTRAX) and Vantagepoint Core Bond Index (VQCIX). My 401/457 is through ICMA so I...
by radeon962
Tue Mar 06, 2012 8:45 am
Forum: Personal Investments
Topic: Retirement Account Question
Replies: 3
Views: 555

Re: Retirement Account Question

YDNAL, thanks for the link. Very interesting read. Obviously there is no consensus one way or the other after reading all the posts from the link and other posts about the same subject. For a strict passive investor, TBM would be the choice but I kind of like the idea of having some additional risk ...
by radeon962
Mon Mar 05, 2012 5:42 pm
Forum: Personal Investments
Topic: Retirement Account Question
Replies: 3
Views: 555

Re: Retirement Account Question

Thanks. I'll check it out.
by radeon962
Mon Mar 05, 2012 2:51 pm
Forum: Personal Investments
Topic: Retirement Account Question
Replies: 3
Views: 555

Retirement Account Question

I got a lot of good advice from several members when I asked my original questions back in December 2009. I have frequented the site quite a bit in the past two years, mostly reading and learning, and now at a couple of years older at 44 and hopefully a couple of years wiser I am looking for some di...
by radeon962
Fri Mar 18, 2011 7:06 am
Forum: Personal Investments
Topic: Invest $10,000 in a new Roth IRA at Vanguard?
Replies: 20
Views: 3992

The light bulb is starting to shine in what you have been saying about "overall AA" when I look at the long range timeline, rather than an immediate view of my holdings. I do recognize that the Overseas Index I hold in my 401/457 is lacking and I do like the idea of usng the Roth to help me. Thanks ...
by radeon962
Wed Mar 16, 2011 6:08 pm
Forum: Personal Investments
Topic: Invest $10,000 in a new Roth IRA at Vanguard?
Replies: 20
Views: 3992

Re: Invest $10,000 in a new Roth IRA at Vanguard?

Looking at a unified portfolio means the accounts work together, but they are separate accounts. For instance, given your holdings in the 401/457, you could eliminate Overseas Index and use the Roth IRAs for Total International (VGTSX). Issue I have with that is that the Vanguard holdings would nev...
by radeon962
Wed Mar 16, 2011 6:03 pm
Forum: Personal Investments
Topic: Invest $10,000 in a new Roth IRA at Vanguard?
Replies: 20
Views: 3992

What you are currently holding appears fine, but it does not show what you are paying in expenses. It is also unclear if that is the only money you have set aside for retirement. Does your spouse have anything like a 401k? An IRA? The Target Date idea may be just fine. It might also add unnecessary...
by radeon962
Wed Mar 16, 2011 12:21 pm
Forum: Personal Investments
Topic: Invest $10,000 in a new Roth IRA at Vanguard?
Replies: 20
Views: 3992

Thanks for the quick comments so far. I can't combine the VG Roth IRA with my existing 401/457 as the 401/457 are through ICMA and are payroll/employer contribution only. Current allocations in my 401/457 are: * 500 Stock Index - 32% * Mid/Small Index - 13% * Overseas Index - 25% * Core Bond Index -...
by radeon962
Wed Mar 16, 2011 11:28 am
Forum: Personal Investments
Topic: Invest $10,000 in a new Roth IRA at Vanguard?
Replies: 20
Views: 3992

Invest $10,000 in a new Roth IRA at Vanguard?

Looking for some input on how best to invest $10,000 in a new Roth IRA at Vanguard? $5,000 for me and $5,000 for my wife. What I was considering was something simple: • VG Total Stock Market – 30% • VG Total Int’l Stock – 30% • VG Total Bond Market – 40% I have $10,000 available to me this year to d...
by radeon962
Tue Mar 15, 2011 7:05 am
Forum: Investing - Theory, News & General
Topic: 3 Factor Diversification with 4 Equity Funds
Replies: 24
Views: 2838

Consider the simplicity and beauty of the three fund portfolio: 1) Total Stock Market Index Fund 2) Total International Index Fund 3) Total Bond Market Index Fund You can round out the above with TIPS, REITS, Muni's if you would like. You don't "need" many funds. This is where I was starting from w...
by radeon962
Mon Mar 14, 2011 12:14 pm
Forum: Investing - Theory, News & General
Topic: 3 Factor Diversification with 4 Equity Funds
Replies: 24
Views: 2838

3 Factor Diversification with 4 Equity Funds

I was going through some old notes and I had copied the following from a post and it got me curious about how or which 4 Vanguard funds would allow you to have 3 Factor Diversification: *********** FROM THE OLD POST: In terms of general equity my goal is to be (as stated above) 50% US, 50% Internati...
by radeon962
Thu Jan 07, 2010 5:36 pm
Forum: Personal Investments
Topic: Portfolio review for a newcomer
Replies: 30
Views: 4057

Perfect. Thanks for the link. I have been making my way through the numerous links in the Wiki, but I'll make it a point to check out that one.
by radeon962
Thu Jan 07, 2010 1:06 pm
Forum: Personal Investments
Topic: Portfolio review for a newcomer
Replies: 30
Views: 4057

Well, after some more "research" I think I may have found the mix that looks good to my eye: 32% S&P 500 13% Mid/Small 25% Overseas Equity 30% Core Bond X-ray 26 24 22 7 6 6 3 3 3 67.15% US/Canada I know it's light on EM and/or SV, but I plan to take care of those within a Roth since I don't have a ...
by radeon962
Mon Jan 04, 2010 12:09 pm
Forum: Personal Investments
Topic: Portfolio review for a newcomer
Replies: 30
Views: 4057

With what's available in my 401/457 currently.

I do plan on using your suggestion for emerging markets via my Roth as I do not have any funds available currently that would fill that area.

Slowly, but most definitely surely, I am seeing the light provided by indexing.
by radeon962
Sun Jan 03, 2010 9:14 pm
Forum: Personal Investments
Topic: Portfolio review for a newcomer
Replies: 30
Views: 4057

Just messing around with different allocations and the one that I keep coming back to is: 25% S&P 500 Index 15% Mid/Small Index 25% Overseas Index 30% Bond Index X-Ray 25 23 21 7 6 7 4 3 4 67.14% US & Canada This seems to provide better Small cap flavor than just the 40/30/30 as well as keeping the ...