Search found 62 matches

by marshall
Wed May 13, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4952

Re: Peloton Treadmill: Anyone here own one..,,

I'm curious about which bike you chose, marshall, if you don't mind sharing. After conducting extensive research, we bought the Sole SB900. It’s a light commercial grade bike with a 48 pound chrome plated flywheel. It’s built like a tank and very smooth. It’s very high quality and does not require ...
by marshall
Wed May 13, 2020 12:53 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4952

Re: Peloton Treadmill: Anyone here own one..,,

I don't know how the Peloton system works exactly, but for the ProForm treadmill one slight advantage of using the integrated iFit system is that the settings (incline, speed) adjust automatically during the workout. If you just watch classes on TV/iPad it doesn't do that. I would assume for the Pe...
by marshall
Wed May 13, 2020 12:37 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4952

Re: Peloton Treadmill: Anyone here own one..,,

We chose to purchase a really nice bike (higher quality than Peloton bike) for $1,000 and subscribed to the Peloton App. The first 90 days of the app is free and it costs about $13.00 a month after that. The app is great and I would encourage you to research it before shelling out the $4,200. We use...
by marshall
Sat May 09, 2020 4:47 pm
Forum: Personal Investments
Topic: Real estate crowdfunding as alternate investment
Replies: 17
Views: 1171

Re: Real estate crowdfunding as alternate investment

I prefer PREDEX or BlueRock Total Income + Real Estate over investing in individual notes. All have less liquidity compared to VNQ but the first two I mentioned are more diversified and similar to private investments pension funds invest in. The total return profile for all three should be similar (...
by marshall
Tue May 05, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2928
Views: 227362

Re: Refinance Mega Thread

I’m closing on a streamlined VA refinance this week. 2.75% 30 year mortgage rate with $9,000 in lender credits.
by marshall
Sat May 02, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: If you believing in Timing the market, Would you reduce equity allocation now?
Replies: 110
Views: 7992

Re: If you believing in Timing the market, Would you reduce equity allocation now?

I did market time in March 2009 by going 100% stocks. I also did well on Christmas Eve 2018 by increasing my stock allocation. However, I have been wrong so many times by thinking the market was overvalued and it kept going up many more years. I have decided to focus my efforts on portfolio construc...
by marshall
Tue Apr 28, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying a big long mortgage
Replies: 96
Views: 6804

Re: Carrying a big long mortgage

If I decide to retire in my mid-50’s, I would not want to keep my existing mortgage because other income sources are not available at the time (pension, social security, etc.). I would sell the house and use the equity to pay cash for a more economical home. If I wait until age 62 to retire, there i...
by marshall
Fri Apr 24, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: If you have won the game, how much risk do you take?
Replies: 78
Views: 7076

Re: If you have won the game, how much risk do you take?

I feel the same way. I'm wondering if you'd consider sharing your asset allocation? Mine is about 30/70, with 8-9 years to go until retirement. I'm a saver first and investor second, with a modest nest egg, and just don't want to see 30% or more of my savings disappear with, say, a 60/40 portfolio....
by marshall
Fri Apr 24, 2020 3:20 pm
Forum: Personal Investments
Topic: Help me find the weakness in this FIRE Portfolio
Replies: 94
Views: 4320

Re: Help me find the weakness in this FIRE Portfolio

I can totally relate to this post. I have been going through a similar exercise to land on my IPS. A few questions ... Why so much concentration in SCV? Why long term Treasurys only? Ever thought about targeting the 10 year to reduce interest rate risk? On IAU, the "Early Retirement Now" blog did a ...
by marshall
Tue Apr 14, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 167
Views: 16824

Re: SWAN ETF - 10% Leaps / 90% Treasuries

SWAN is difficult to model on PV before it’s inception date. Once the 10% LEAPS allocation gets wiped out, there is no more stock exposure and the portfolio is down around 10%. This leaves you with only interest rate risk on the Treasury Bonds. In a given year, I could see it going down maybe 15% bu...
by marshall
Fri Mar 20, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: For 50-55 Year olds/ What Are you thinking?
Replies: 46
Views: 4706

Re: For 50-55 Year olds/ What Are you thinking?

Age 50. I was 40% Private Real Estate 60% Ultra Short Term Bonds before the crash. I was out of stocks because of valuation concerns.

I plan to DCA back into stocks soon.
by marshall
Mon Mar 09, 2020 9:03 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 167
Views: 16824

Re: SWAN ETF - 10% Leaps / 90% Treasuries

I’m a fan of this ETF as well. I agree it is working exactly as designed. My only concern is when the market turns to the positive with potential interest rate increases (considering where the 10 year Treasury yield is at right now). You also need to be aware this ETF may not perform as well in a fl...
by marshall
Sat Feb 29, 2020 7:46 am
Forum: Investing - Theory, News & General
Topic: If you have won the game, how much risk do you take?
Replies: 78
Views: 7076

Re: If you have won the game, how much risk do you take?

After I reached a point of basic financial independence, I did consider Bernstein’s teachings on this subject. Did I lose out on achieving 2019 maximum performance by taking this path - yes. However, the recent decline in the market confirmed my asset allocation is in line with my risk tolerance.
by marshall
Sat Aug 17, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Come over to the Liability Matchng portfolio side: the water is fine
Replies: 170
Views: 12676

Re: Come over to the Liability Matchng portfolio side: the water is fine

A few people have commented it can be difficult for an early retiree to utilize a LMP/RP approach. An exception to this is a scenario where solid social security payments and a pension are on the horizon and there are minimal income requirements over these fixed income sources. It’s important to tak...
by marshall
Mon Feb 18, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 12347

Re: Wife filled our gas engine car with diesel fuel

Contact your auto insurer. If you have comprehensive coverage (most of us do), mis-fueling may be a covered loss.
by marshall
Sat Aug 25, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 7456

Re: How do you calculate net worth with pensions?

This is the approach I use to determine the present value of a future monthly income stream (i.e. pension) ... Go to immediateannuities.com In the blue box (on the right side of the website) at the bottom, it says .. find advanced calculator options here In the blue box on the next page, it allows y...
by marshall
Sun Jun 03, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: FedEx Home Delivery and PO box
Replies: 15
Views: 2163

Re: FedEx Home Delivery and PO box

For the future, you may want to check to see if your local USPS participates in “Street Addressing”. This allows you to list the physical address of the USPS location and then your box number. Just google USPS street addressing to investigate this further.
by marshall
Sat Jun 02, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 6403

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

If where you live is important, I would consider making the move now. I took the same step several years ago and have not looked back. I am very happy to be living in the Phoenix valley. I enjoy the climate, low humidity and overall Desert living lifestyle.
by marshall
Thu Nov 23, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio? Really?
Replies: 104
Views: 21146

Re: Liability Matching Portfolio? Really?

If someone is so wealthy that they can both (1) invest a significant amount in assets usually considered risky and also (2) build a liability matching portfolio of whatever assets they presume to be safe, then labeling the "safe" portion liability matching is barely more than a play on words: In th...
by marshall
Sun Jun 25, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: BIV Question
Replies: 7
Views: 1138

Re: BIV Question

Thanks for the responses. Very helpful.
by marshall
Sun Jun 25, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: BIV Question
Replies: 7
Views: 1138

BIV Question

I recognize BIV is an index based bond ETF. Does Vanguard hold the individual bonds to maturity? I am attempting to assess the impact of interest rate increases on this fund. Thanks!
by marshall
Sun May 28, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: 401K and SEP Contribution Limits
Replies: 6
Views: 726

Re: 401K and SEP Contribution Limits

Thanks for the quick response. Very detailed and helpful.
by marshall
Sun May 28, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: 401K and SEP Contribution Limits
Replies: 6
Views: 726

401K and SEP Contribution Limits

I have researched the forums and did not see a clear answer to this question. I have a full time W2 job that offers a 401k (pre tax and after tax contributions). The company also offers a very strong 401k employer match. In upcoming years, I may bump up against the $54,000 401k limit. I’m currently ...
by marshall
Sat Apr 01, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: W2 Income / Quarterly Taxes
Replies: 1
Views: 414

W2 Income / Quarterly Taxes

I have a full-time W2 job + a side business (LLC). I recognize one option is to just increase my W2 withholding to compensate for the LLC tax liability and avoid quarterly filing requirements. However, If I wanted to pay quarterly taxes can I just make estimated quarterly payments through the IRS EF...
by marshall
Tue Mar 14, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Scottsdale Real Estate Market
Replies: 9
Views: 1902

Re: Scottsdale Real Estate Market

I have a home in the Scottsdale area. In your price range, I would consider living in Silverleaf. We have friends that live there and it’s absolutely gorgeous. The link below lists some of the market data you were requesting.

http://silverleaf.com/real-estate/market-update/
by marshall
Tue Feb 09, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question
Replies: 10
Views: 1399

Re: Tax Return Question

I appreciate the responses. I did learn it’s a covered security (cost basis will be reported to IRS). I will amend the return after everything clears. Thanks..
by marshall
Tue Feb 09, 2016 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question
Replies: 10
Views: 1399

Re: Tax Return Question

Jane1,

I need to check on whether the basis was reported to the IRS. My forms are not ready yet with Vanguard. Thanks.
by marshall
Tue Feb 09, 2016 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question
Replies: 10
Views: 1399

Tax Return Question

So, I spent several hours completing my taxes and electronically submitted the file to the IRS via Turbo Tax. I then realized there was $391 in stock that was sold in 2015 on my Vanguard account with a cost basis of about $391. I of course failed to list it. What is the best approach? I have heard i...
by marshall
Fri Jan 08, 2016 12:33 am
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 2870

Re: Resort in Scottsdale, AZ

The JW Marriott at Desert Ridge is very nice. It’s technically in Phoenix but very close to the Scottsdale border. It’s a great area with Desert Ridge Marketplace shopping and dining very close.
by marshall
Mon Jan 04, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 9321

Re: How did your retirement Portfolio do in 2015?

According to Vanguard personal performance, 5.6% increase. This does not count new contributions. I was very lucky with the timing of rebalancing and decided to stay out of the market for a while after the decline started. I was however back in when the subsequent increase occurred.
by marshall
Tue Oct 04, 2011 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking opinions re Acura MDX, Lexus RX-350, & Audi Q-5
Replies: 33
Views: 5913

I have a 2008 MDX fully loaded with sports package, tech package and rear DVD. I bought it preowned with low miles. (2 years old). I have driven it for two years and absolutely love it. It handles well and is very safe. I would highly recommend the technology package. The Navigation and Sound system...
by marshall
Wed Mar 30, 2011 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads by occupation
Replies: 113
Views: 16017

General Management. Executive.
by marshall
Sun Feb 27, 2011 8:45 am
Forum: Personal Consumer Issues
Topic: mozy price jump - looking for other online backup options
Replies: 47
Views: 4641

My contract was up right when the Mozy price increase occurred. I did some research and switched over to backblaze.com. It's very simple to use and works well with a Mac. I also paid $45 for the year (unlimited) with the 10% coupon code previously mentioned. The most difficult part with changing pro...
by marshall
Sun Apr 04, 2010 12:51 pm
Forum: Investing - Theory, News & General
Topic: Milestones in portfolio growth?
Replies: 56
Views: 10016

I tend to view milestones in terms of what my SWR will provide in monthly income. It reminds me of the Verizon commercial where they show all of the people as the "Network". I view my "Network" as the the SWR income my portfolio will provide. This is income that can be generated without a job.
by marshall
Mon Jul 27, 2009 10:35 pm
Forum: Personal Consumer Issues
Topic: Good laptop for $500-800?
Replies: 28
Views: 6404

I purchased a Toshiba Satellite A505-S6960 Laptop this weekend for $675 from Best Buy. It has the Intel Core 2 Duo T6500 processor, 4 GB DRAM, 320 GB hard drive, 16" TruBrite Widescreen Display. Also, it has over 7 hours of battery life and a free upgrade to Windows 7. You may be able to find it che...
by marshall
Fri Jul 24, 2009 5:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone's account fully recovered from 2008 and 2009 losses?
Replies: 109
Views: 15728

YDNAL wrote: ... there's NO way you are "fully recovered" since the March 2009 lows. I was wondering about this too. I can certainly understand the questioning of the recovery. Here are a few additional factors to consider: * I rebalanced at an opportune time in late 2008 * All contributions since ...
by marshall
Thu Jul 23, 2009 9:18 pm
Forum: Investing - Theory, News & General
Topic: Anyone's account fully recovered from 2008 and 2009 losses?
Replies: 109
Views: 15728

Anyone's account fully recovered from 2008 and 2009 losses?

I was checking my balance today and realized my accounts have fully recovered (even considering contributions) from the 2008 and early 2009 losses. I made some investments when we were at or near the bottom that have really paid off. I was at 70-80% stocks when the crash happened. I was very surpris...
by marshall
Fri Dec 19, 2008 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mortage Scenario (help needed)
Replies: 2
Views: 879

Thinking of refinancing Mortgage Original loan value: $85000@6.625% 30 years $81500 left on loan 544 monthly payments I have only been paying on this mortgage for 15 months. Thinking of refinancing 30 year fixed with current loan amount plus charges for new loan@ 5.125% 30 years. This would reduce ...
by marshall
Wed Dec 17, 2008 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: sub-5% mortgage rates are here
Replies: 33
Views: 6762

I went through a Mortgage Broker the specializes in Texas loans. I used the following site to locate a Broker.

http://www.hsh.com/
by marshall
Wed Dec 17, 2008 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: sub-5% mortgage rates are here
Replies: 33
Views: 6762

I locked in 4.5% rate on a 30 year mortgage refinance today. No points or orgination fees.
by marshall
Wed Dec 17, 2008 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance? When Long Into Current Mortgage
Replies: 15
Views: 3205

I was off work today and decided to do some research. I ended up reviewing the offerings of several mortgage brokers. I locked in a 30 year mortgage at 4.5%, no points or origination fees. My current rate is 5.875% so I was very happy with the outcome.
by marshall
Tue Oct 14, 2008 10:19 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: TIPS over 3.1%
Replies: 172
Views: 39792

Marshall,
(1) Yes for "If I purchased 20 units, I would multiply 20x100x $151.38577 to estimate the current value."
I assume the multiplier is 10 (not 100) if you purchased the TIPS in $1,000 increments.
by marshall
Tue Oct 14, 2008 8:46 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: TIPS over 3.1%
Replies: 172
Views: 39792

Actually, the only 2029 TIPS issue currently out there is the old 30 year bond from 1999, and that is going for a pretty healthy premium considering it has a 3.875% coupon .. it also has a whopper of a Inflation Index at 1.33545. According to Schwab that bond sells at a premium price of 113.35937 a...
by marshall
Tue Oct 14, 2008 7:44 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: TIPS over 3.1%
Replies: 172
Views: 39792

I bought a 2029 TIPS issue through my brokerage account in the afternoon and secured a YTM of 2.96%. Can someone help me understand the principal amount I will receive back at the end of the term? Do I receive my entire initial investment?
by marshall
Wed Oct 08, 2008 8:06 pm
Forum: Investing - Theory, News & General
Topic: Pension as fixed income portion of AA
Replies: 14
Views: 2912

I can always check the current balance of my cash value pension plan online. I also have the option of rolling the entire balance over to an IRA upon my departure from the company. It has an annual return of approximately 5% per year. So, I do count it as part of my bond allocation.
by marshall
Tue Oct 07, 2008 10:24 pm
Forum: Personal Investments
Topic: Anyone with a 15 year+ time horizon just riding this out?
Replies: 12
Views: 3121

I have 16 years to my planned early retirement. I'm hoping the market crash works out in my favor on the buy side (peak earnings/contribution years). However, it's definitely difficult to stomach. I'm 18% bonds right now (not counting my cash balance pension). If you count my pension balance as bond...
by marshall
Sat Oct 04, 2008 8:38 am
Forum: Personal Consumer Issues
Topic: Researching new Accord prices. What's the best method?
Replies: 16
Views: 3857

I would like to echo what Jack_R2 mentioned. I followed the same process to purchase my 2006 Honda Accord EX V6. There can be significant differences in price between dealers. I am very happy with the vehicle. It drive's awesome and the value stays high. I believe it is one of the best "bang for the...
by marshall
Sat Oct 04, 2008 8:37 am
Forum: Personal Consumer Issues
Topic: Researching new Accord prices. What's the best method?
Replies: 16
Views: 3857

I would like to echo what Jack_R2 mentioned. I followed the same process to purchase my 2006 Honda Accord EX V6. There can be significant differences in price between dealers. I am very happy with the vehicle. It drive's awesome and the value stays high. I believe it is one of the best "bang for the...
by marshall
Sun Sep 21, 2008 4:53 pm
Forum: Investing - Theory, News & General
Topic: A Real Boglehead Moment - What are you doing?
Replies: 113
Views: 21866

I sold some of my BND ETF and took a small speculative position in AIG at a little over $2 per share. I will hold long term to see if the company recovers. It recently moved to $3.85 per share. No changes to the remainder of my Vanguard investments.