Search found 205 matches

by KneePartsPro
Wed Feb 24, 2021 11:19 am
Forum: Personal Consumer Issues
Topic: A boat for old knees
Replies: 46
Views: 3479

Re: A boat for old knees

Perhaps the joints and strength will improve with time but I'm not counting on it. It sounds like you are active which is great, but are you currently doing anything for the purpose of improving your strength, balance, range of motion and ability to climb in and out of a kayak? If not, you may be a...
by KneePartsPro
Wed Feb 24, 2021 10:44 am
Forum: Personal Investments
Topic: Good approach for buying bonds?
Replies: 20
Views: 1415

Re: Good approach for buying bonds?

Right now I'm 80/20 stocks/bonds in this particular account. I am not sure I entirely understand this quote. To me it suggests that you may be targeting multiple asset allocations. I think most here would recommend that you consider your assets as a whole (not by account) to meet your target asset ...
by KneePartsPro
Sat Feb 20, 2021 5:10 pm
Forum: Personal Consumer Issues
Topic: Help With Metal Filler
Replies: 17
Views: 1099

Re: Help With Metal Filler

Do post pictures of the project as it progresses and finishes so those of use who are "snowed in" can enjoy your work vicariously. :shock: :shock: j :D FINALLY got around to finishing this up. Filled it with "regular" JB Weld. Sanded it like crazy. Sprayed it to match. Overall r...
by KneePartsPro
Sat Feb 20, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6381
Views: 1434930

Re: What Movie Have You Recently Watched?

7th_Diagram wrote: Fri Jan 01, 2021 1:02 pm Carlito's Way
+1 Epic Al Pacino performance.
by KneePartsPro
Fri Feb 19, 2021 11:50 am
Forum: Investing - Theory, News & General
Topic: Bonds in free fall
Replies: 552
Views: 40454

Re: Bonds in free fall

UpperNwGuy wrote: Fri Feb 19, 2021 11:17 am I find it bizarre that people who call themselves bogleheads use terms like free fall, crash, and clobbered to describe bonds.
+1 :thumbsdown Sensationalism

:thumbsup Factualism
by KneePartsPro
Tue Feb 16, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: Electric car in evacuation situation
Replies: 143
Views: 12018

Re: Electric car in evacuation situation

Blueskies123 wrote: Tue Feb 16, 2021 12:10 pm I am seeing so many off-the-cuff remarks...
I have a gas powered vehicle. In fairness, the "paperweight" comment I made above would apply to it during a gas shortage. :happy
by KneePartsPro
Tue Feb 16, 2021 12:10 pm
Forum: US Chapters
Topic: Average Age of Bogleheads Posters
Replies: 94
Views: 10428

Re: Average Age of Bogleheads Posters

I'll play.
Now 53.
Found Bogleheads around age 45.
Fired financial adviser at age 47.
Retired from full time work at age 49.
by KneePartsPro
Tue Feb 16, 2021 11:59 am
Forum: Personal Consumer Issues
Topic: Electric car in evacuation situation
Replies: 143
Views: 12018

Re: Electric car in evacuation situation

Makes you wonder what people in TX with electric vehicles are doing right now. 2 million Texas households without power as massive winter storm drives demand for electricity https://www.texastribune.org/2021/02/15/rolling-blackouts-texas/ World's most technologically advanced production paperweight?
by KneePartsPro
Tue Feb 16, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Retire now (45 yrs old) or keep working for the kids?
Replies: 67
Views: 5807

Re: Retire now (45 yrs old) or keep working for the kids?

..so the primary question is do I retire now... Thank you in advance for any advice. Sounds as if you have met any income objective you may have had. Adding the "work longer so I can give my kids 1m" is just moving the bar. Retire now Give your kids more of your time instead while they ar...
by KneePartsPro
Mon Feb 15, 2021 10:07 am
Forum: Personal Investments
Topic: Am I ahead or behind for my age? Do I need an emergency fund?
Replies: 27
Views: 2315

Re: Am I ahead or behind for my age? Do I need an emergency fund?

Congratulations on starting early and saving often! You are neither "ahead" or "behind" anyone. However, you may be "ahead" or "behind" on your financial goals, depending on what they are. As far as the emergency fund goes, there are many here who would say th...
by KneePartsPro
Mon Feb 15, 2021 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Cedar Roof - Insurance Decision when Old but Good Condition
Replies: 9
Views: 736

Re: Cedar Roof - Insurance Decision when Old but Good Condition

What we would do: Pay the insurance. In the event of a need for full replacement, cover the additional costs for a better roof, not shake (wood), not asphalt/fiber, but a non burning more permanent roof (steel, synthetic, tile, etc). j :D +1 We paid the higher premium on our aging cedar shakes unti...
by KneePartsPro
Sun Feb 14, 2021 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering Physics as a major
Replies: 92
Views: 4552

Re: Engineering Physics as a major

I was specifically referring to getting a physics degree in two years. It was difficult for me to fathom as well. My son, as many kids today, graduated from high school with college credits. This helped as some of his math requirements for college were fulfilled in high school. ...science and engin...
by KneePartsPro
Sun Feb 14, 2021 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering Physics as a major
Replies: 92
Views: 4552

Re: Engineering Physics as a major

Real life experience: DS went to a liberal arts school. He participated in a 3-2 program (https://en.wikipedia.org/wiki/3-2_engineering). For him, it turned out to be a 2-2 program. Got his physics degree in years 1-2 from the liberal arts school and his engineering from one of the top engineering ...
by KneePartsPro
Sun Feb 14, 2021 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Engineering Physics as a major
Replies: 92
Views: 4552

Re: Engineering Physics as a major

Real life experience: DS went to a liberal arts school. He participated in a 3-2 program (https://en.wikipedia.org/wiki/3-2_engineering). For him, it turned out to be a 2-2 program. Got his physics degree in years 1-2 from the liberal arts school and his engineering from one of the top engineering ...
by KneePartsPro
Sat Feb 13, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering Physics as a major
Replies: 92
Views: 4552

Re: Engineering Physics as a major

Real life experience: DS went to a liberal arts school. He participated in a 3-2 program (https://en.wikipedia.org/wiki/3-2_engineering). For him, it turned out to be a 2-2 program. Got his physics degree in years 1-2 from the liberal arts school and his engineering from one of the top engineering s...
by KneePartsPro
Sat Feb 13, 2021 11:52 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1014
Views: 182523

Re:

HomerJ wrote: Thu Feb 10, 2011 12:45 am I drink...

...While BBQ cooks on the grill on the deck.
+1 BBQing is a past time that, for me, is best enjoyed with a beer or two. Cheap beer, free beer, expensive beer. Almost any will do.
by KneePartsPro
Fri Feb 12, 2021 12:59 pm
Forum: Personal Investments
Topic: Stock/Bond ratio in Retirement
Replies: 26
Views: 2316

Re: Stock/Bond ratio in Retirement

Hello Bogleheads, I have a general question about my retirement stock/bond ratio in my retirement accounts. My wife and I are 39 and have approx $1,000,000 in all of our various retirement accounts. Currently in a %75/25 mix of stock/bonds. I understand most conventional wisdom would be 110 or 100 ...
by KneePartsPro
Fri Feb 12, 2021 12:20 pm
Forum: Personal Consumer Issues
Topic: Top thing you worry about in your life now
Replies: 24
Views: 1643

Re: Top thing you worry about in your life now

1. Self realization in an expanding universe.
2. The Detroit Lions.
(sometimes in reverse order)
by KneePartsPro
Fri Feb 12, 2021 10:23 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1413
Views: 83867

Re: What are you listening to now

JAZZISCOOL wrote: Thu Feb 11, 2021 9:24 pm Chick Corea, world class jazz pianist. RIP - just passed away at 79.

https://www.youtube.com/watch?v=VnlAPR_ixo4
"A pianist whose crisp touch and clarion tone were always buoyed by an effervescent way with rhythm..." (NPR; February 11, 2021 )
8-)
by KneePartsPro
Fri Feb 12, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Help find an unbiased news source...
Replies: 90
Views: 4543

Re: Help find an unbiased news source...

Recently, Joe Ricketts (founder of TD AmeriTrade) announced the launch of Straight Arrow News , an unbiased news source. Whether or not it can or will actually be unbiased remains to be seen. For your review: https://www.reuters.com/article/us-media-launch-ricketts/billionaire-businessman-joe-ricket...
by KneePartsPro
Thu Feb 11, 2021 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Options to cover remodeling expenses cash crunch
Replies: 14
Views: 1184

Re: Options to cover remodeling expenses cash crunch

We are financially secure and doing all the usual Boglehead things.. I would pay for it with a credit card if I knew could pay it off without interest (or by incurring less interest than capital gains). Otherwise... it seems as if your taxable brokerage account is essentially what you have for an &...
by KneePartsPro
Thu Feb 11, 2021 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Of Net Worth, Pensions, and Annuities...
Replies: 34
Views: 2484

Re: Of Net Worth, Pensions, and Annuities...

...I don't think option 4 is fair because the whole point of saving for retirement is to be able to generate a cash flow for one's expenses, so the end goal is similar enough. And ultimately I'm doing this to figure out how much more I'll need to save to meet my future expected expenses. So I guess...
by KneePartsPro
Wed Feb 10, 2021 5:40 pm
Forum: Personal Investments
Topic: How to invest 400k
Replies: 24
Views: 1676

Re: How to invest 400k

Invest according to your desired asset allocation. +1 Why would you treat this money any different than the rest of your investment money? :shock: I certainly hope the OP treats this investment money different than the rest of the investment money. Why? If their current allocation represents their ...
by KneePartsPro
Wed Feb 10, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1413
Views: 83867

Re: What are you listening to now

Dave Matthews acoustic "Grave Digger" https://www.youtube.com/watch?v=rhhTCeDKUQw
by KneePartsPro
Wed Feb 10, 2021 4:20 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 451
Views: 77831

Re: Bonds - Throw it all on the table!!!

abuss368 wrote: Wed Feb 10, 2021 6:56 am Bumping this thread considering the very low interest rate environment and what impact, if any, the environment had on your fund selections.

Tony
...none
by KneePartsPro
Wed Feb 10, 2021 3:40 pm
Forum: Personal Investments
Topic: How to invest 400k
Replies: 24
Views: 1676

Re: How to invest 400k

Thank you all for your response. I should have answered the in my initial post about my current asset allocation. Most(if not all) of the FAANG stocks are from my employment accrued over the years. I am not sure if there is an easy way to diversify now given the exorbitant amount of capital gains t...
by KneePartsPro
Wed Feb 10, 2021 2:54 pm
Forum: Investing - Theory, News & General
Topic: Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?
Replies: 96
Views: 8300

Re: Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?

Bond yields of 1% mean that anyone with ANY allocation is screwed if the stock market doesn't produce enough gains. The best possibility at this point is that what's in the OP will become "common sense" within a few years and everyone will start making adjustments. OP, What are you thinki...
by KneePartsPro
Wed Feb 10, 2021 2:32 pm
Forum: Personal Investments
Topic: How to invest 400k
Replies: 24
Views: 1676

Re: How to invest 400k

Invest according to your desired asset allocation. +1 Why would you treat this money any different than the rest of your investment money? :shock: I certainly hope the OP treats this investment money different than the rest of the investment money. Why? If their current allocation represents their ...
by KneePartsPro
Wed Feb 10, 2021 2:07 pm
Forum: Forum Issues and Administration
Topic: site off line 2021-02-10
Replies: 17
Views: 1434

Re: site off line 2021-02-10

Thanks for all the time that the site is up! :happy
by KneePartsPro
Wed Feb 10, 2021 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?
Replies: 53
Views: 5468

Re: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?

Today things suddenly took a turn for the worse. The contractor essentially emailed that we were in breach of contract and he was stopping work and coming to collect all his tools. It came as a complete surprise to us because we had already agreed to the extra charges and only said we already paid ...
by KneePartsPro
Wed Feb 10, 2021 1:44 pm
Forum: Personal Investments
Topic: How to invest 400k
Replies: 24
Views: 1676

Re: How to invest 400k

Jacotus wrote: Wed Feb 10, 2021 1:32 pm Invest according to your desired asset allocation.
+1 Why would you treat this money any different than the rest of your investment money?
by KneePartsPro
Wed Feb 10, 2021 9:40 am
Forum: Personal Investments
Topic: Having a hard time becoming more conservative!
Replies: 30
Views: 2845

Re: Having a hard time becoming more conservative!

I'm supposed to be becoming more conservative in my selections but I'm having a hard time with that. Personally, I don't believe in any dogma that suggests my age, years to retirement, etc. is supposed to be a primary determinant of my asset allocation. Instead, I base my conservativeness/aggressiv...
by KneePartsPro
Wed Feb 10, 2021 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a cool head during manic times.
Replies: 20
Views: 1824

Re: Keeping a cool head during manic times.

How have you made peace with your portfolio in times like these? I had to get beyond the fact that there will always be someone with more money than I, someone who does better than I. I had to decide that greed and jealousy have no place in my financial strategy. I had to realize that investing is ...
by KneePartsPro
Tue Feb 09, 2021 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How can I help my mother in retirement?
Replies: 46
Views: 3483

Re: How can I help my mother in retirement?

Economic outpatient care is a threat to your financial well-being and may have no positive impact on your mother's financial situation. Is it possible for her to live within her means as provided by inheritance+ss+part time employment? Definitely help her. Help her to understand the situation she is...
by KneePartsPro
Tue Feb 09, 2021 1:40 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 156
Views: 30375

Re: Costco rotisserie chicken

Pete12 wrote: Thu Jul 28, 2016 6:15 pm Let's face it- if you don't pick up a $5 rotisserie Chicken each time you visit Costco then you're insane!
+1 Dollar cost averaging is a sane deployment strategy when it comes to purchasing Costco rotisserie chicken.
by KneePartsPro
Tue Feb 09, 2021 11:49 am
Forum: Personal Investments
Topic: Should I have a chasm b/w growth stocks and "cash"
Replies: 7
Views: 454

Re: Should I have a chasm b/w growth stocks and "cash"

If, for the sake of argument, you eliminate from the equation the pension amount based upon the facts that it is "spendable" not "investable", and the value of it depends upon your actual length of life, then you have 1mm in mm/bonds and 2mm in equities? That's right. $1M in MM/...
by KneePartsPro
Tue Feb 09, 2021 11:10 am
Forum: Investing - Theory, News & General
Topic: Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?
Replies: 96
Views: 8300

Re: Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?

If bond returns are not going to be what they were in the past.. Bogleheads tend to use historical returns to look at portfolios (e.g., Taylor's 3 fund.. Bonds, or bond funds? My rudimentary understanding of bond funds says that yields don't equal total returns. As a result, whether or not they wil...
by KneePartsPro
Tue Feb 09, 2021 10:31 am
Forum: Investing - Theory, News & General
Topic: Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?
Replies: 96
Views: 8300

Re: Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?

Robot Monster wrote: Tue Feb 09, 2021 10:11 am
KneePartsPro wrote: Tue Feb 09, 2021 9:59 am What's the question?
I believe the question is stated in the subject line. "Bond yields of 1% mean that 60/40-type allocations are off for almost everyone?"
Thanks Robot Monster.
by KneePartsPro
Tue Feb 09, 2021 9:49 am
Forum: Personal Investments
Topic: Are Bogleheads still investing at Vanguard?
Replies: 132
Views: 11509

Re: Are Bogleheads still investing at Vanguard?

Still at Vanguard. Haven't called them in several years.
by KneePartsPro
Tue Feb 09, 2021 9:38 am
Forum: US Chapters
Topic: Why A Good Boglehead Must Leave The Bogleheads Forum
Replies: 180
Views: 17564

Re: Why A Good Boglehead Must Leave The Bogleheads Forum

I am leaving the Bogleheads forum -- a departure likely to be permanent. However, before I leave I wanted to share why I am doing so with my fellow Bogleheads. To keep this actionable , I'd like you to consider the following passages as food for thought as to whether or not you should leave this fo...
by KneePartsPro
Mon Feb 08, 2021 8:02 pm
Forum: Personal Consumer Issues
Topic: I sold my boat today
Replies: 41
Views: 8088

Re: I sold my boat today

Not long ago my neighbor bought a 1965 Chris Craft. One word describes the look on the seller's face as we towed it away. Heartbreak.
by KneePartsPro
Mon Feb 08, 2021 1:40 pm
Forum: Investing - Theory, News & General
Topic: Individual stock regret
Replies: 57
Views: 5482

Re: Individual stock regret

With all of these replies, I have been thinking that maybe what I will do is... May I ask what made you sell three weeks ago? Simplification. Really wanting to get into the 3-fund. But I think I went too far. I sold ALL my individual stocks. In hindsight I wish I had kept 1 or 2 just to have someth...
by KneePartsPro
Mon Feb 08, 2021 12:12 pm
Forum: Personal Investments
Topic: If I can afford major risk, is a 100% stock position the best return
Replies: 99
Views: 8286

Re: If I can afford major risk, is a 100% stock position the best return

$106,000 + $106,000 = $216,000 :confused :oops: Fixed. I hope. "$106,000 + $106,000 = $212,000 = a 6% return." I thought it was me for a minute. Thanks for proving there's a human behind all of nisiprius' fantastic posts. :thumbsup Nah, they trained the bot to make occasional mistakes jus...
by KneePartsPro
Mon Feb 08, 2021 11:39 am
Forum: Personal Investments
Topic: Should I have a chasm b/w growth stocks and "cash"
Replies: 7
Views: 454

Re: Should I have a chasm b/w growth stocks and "cash"

MrCheapo. Congratulations on your good "luck" so far. Excluding your pension, what percentage would the combined mm+municipal bonds represent? What percentage would your "high risk stuff" now represent? How does this ratio match up with your personal tolerance for risk? Living o...
by KneePartsPro
Mon Feb 08, 2021 11:21 am
Forum: Personal Investments
Topic: Should I have a chasm b/w growth stocks and "cash"
Replies: 7
Views: 454

Re: Should I have a chasm b/w growth stocks and "cash"

MrCheapo. Congratulations on your good "luck" so far. Excluding your pension, what percentage would the combined mm+municipal bonds represent? What percentage would your "high risk stuff" now represent? How does this ratio match up with your personal tolerance for risk? Living of...
by KneePartsPro
Mon Feb 08, 2021 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Am I nuts? About to retire early without bulletproof money.
Replies: 89
Views: 11510

Re: Am I nuts? About to retire early without bulletproof money.

Bulletproof money. There is no such thing. Ever. People far better prepared than you have died penniless. Some not nearly as well prepared as you have died with money left over. In spite of this you have to do the meaningful things in your life while you can. :happy
by KneePartsPro
Mon Feb 08, 2021 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?
Replies: 53
Views: 5468

Re: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?

Sorry to hear of your situation. We had a contractor whose subcontracted plumber broke a $4000 tub in our master bathroom. He spent nearly a month trying to "fix" it. Out of frustration, we fired him, fired the contractor, and moved on. Hopefully you can recoup your payment. Ideally, your ...
by KneePartsPro
Mon Feb 08, 2021 10:09 am
Forum: Investing - Theory, News & General
Topic: Individual stock regret
Replies: 57
Views: 5482

Re: Individual stock regret

manlymatt83 wrote: Sun Feb 07, 2021 9:54 pm With all of these replies, I have been thinking that maybe what I will do is...

May I ask what made you sell three weeks ago?
by KneePartsPro
Sat Feb 06, 2021 2:34 pm
Forum: Personal Investments
Topic: If I can afford major risk, is a 100% stock position the best return
Replies: 99
Views: 8286

Re: If I can afford major risk, is a 100% stock position the best return

nisiprius wrote: Sat Feb 06, 2021 1:56 pm
KneePartsPro wrote: Sat Feb 06, 2021 10:12 am
nisiprius wrote: Sat Feb 06, 2021 8:47 am
$106,000 + $106,000 = $216,000

:confused
:oops: Fixed. I hope. "$106,000 + $106,000 = $212,000 = a 6% return."
I thought it was me for a minute. Thanks for proving there's a human behind all of nisiprius' fantastic posts. :thumbsup