Search found 1482 matches

by G12
Mon Jul 22, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 69
Views: 13894

Re: The Single Greatest Predictor of Future Stock Market Returns

However, we do know that the U.S. stock market has enjoyed a 6.6% real return (8.0% nominal) during the last 200-years However, as you often remind us, past performance is not indicative of future performance, right? Nor can we buy past returns...I don't need a written beat down yet higher yielding...
by G12
Mon Jul 22, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 32
Views: 1787

Re: Standard Car Key Battery Life for Late Model Vehicles

I almost never use the buttons and was surprised yesterday when neither key would open the trunk or lock the doors. What kind of battery life would you expect when not even using the electronic features? I replace ours about every 18 months, but they get a good deal of use and don't want to have an...
by G12
Mon Jul 22, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 64
Views: 2823

Re: Dogs and homeowners insurance company

Even well trained dogs bite. People make mistakes, and dogs make mistakes. Any time one reduces bite inhibition through genetics or training, one increases the possibility of bites. A chihuahua bite is nasty, but a Rottweiler bite could be fatal. The stats on dog bites are grim. Here is a website w...
by G12
Sun Jul 21, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 64
Views: 2823

Re: Dogs and homeowners insurance company

So we had our insurance agent out to the house to look over coverages and be sure we are all on the same place with rising costs, ect. Really had not done this in a few years. Our agent remarked that insurance companies are getting very wary of dogs on the property. Certain breeds will either raise...
by G12
Thu Jul 18, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help me live off my retirement funds
Replies: 16
Views: 2581

Re: Help me live off my retirement funds

azanon wrote:
Thu Jul 18, 2019 3:16 pm

By far, the biggest enemy of the 3-fund, is the 1 fund. Justifying the complexity is pretty hard to do.
I Lol'd :shock: :mrgreen: :beer

OP, part of it is do you intend to keep each slice 33.33% or let them fluctuate. Others have already given you input on withdrawals.
by G12
Mon Jul 15, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7568

Re: No A/C in Office [not a safe work environment]

So, assuming your boss is a semi-reasonable human: "We have some really important deadlines to hit, and the lack of A/C makes it hard to get work done due to a health condition. Would it be alright if I worked from home for a couple of days, to make sure we hit our deadlines? I'll be available via ...
by G12
Mon Jul 15, 2019 12:23 pm
Forum: Forum Issues and Administration
Topic: Using Site From Smartphone Question
Replies: 16
Views: 677

Re: Using Site From Smartphone Question

dm200 wrote:
Mon Jul 15, 2019 12:06 pm
For this, turning phone to landscape did nothing.

Some apps change wieh the phone is turned and some do not.
Check your phone settings to see whether the feature is on or off, just like on a tablet. Mine is "enabled" and is a significant difference in displayed area.
by G12
Mon Jul 15, 2019 11:43 am
Forum: Forum Issues and Administration
Topic: Using Site From Smartphone Question
Replies: 16
Views: 677

Re: Using Site From Smartphone Question

If you are looking at your phone in "portrait" position try turning it to horizontal "landscape" position, should be able to see it. Or you may have font size enlarged crowding the screen, etc. I use Opera and Chrome with no issues on Galaxy S8, much better display in landscape mode.
by G12
Sun Jul 14, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5010

Re: Anyone buy the Nissan Rogue over the Honda CRV???

How about a used 2016-18 Acura RDX? It's last gen with a 6 cyl engine that doesn't suffer from the oil dilution issues of the newer 4 cyl direct-injection RDX and CRV. The Advanced trim has similar safety features (BSM, rear cross traffic, auto cruise, lane keeping, CMBS) of the current Honda CRV. ...
by G12
Wed Jul 10, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6263

Re: Buying a Smoker

Have used a Primo XL ceramic grill/smoker since July 2007 and it is still producing superior smoked meat. It has been extremely durable, has a firebox divider where one can easily keep the lump coals/wood for indirect smoking, etc. Anything from fish to pizza. I have cooked a tremendous amount of fo...
by G12
Tue Jul 09, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2100

Re: Selling a rental property - taxes

Maybe you should have the prior 2 years of personal tax filings recast to take the depreciation. Also, ask CPA or whomever, as you might be able to deduct the full $14.8k of repairs, but don't know if painting will qualify. I knew for sure about the depreciation recapture coming up. It would be wort...
by G12
Mon Jul 08, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27142

Re: Americans believe they need $1.7 million, on average, to retire

The survey scale is whacked, jumps from 250k increments to 1 - 3M in one step, quite a leap. I turned 56 last month and my wife will be 55 in November. She works 4 days a week and is considered full time, and I "retired" just before hitting 48. I think "X" number is going to be different for many, s...
by G12
Tue Jul 02, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Is anyone else worried about tech becoming too big/overvalued?
Replies: 54
Views: 4222

Re: Is anyone else worried about tech becoming too big/overvalued?

You won't find me disagreeing that the top 5, 10, 25, 50 companies in terms of market cap rotate, come and go, etc... over the years. I was just pointing out how profitable the top 25 companies are, and how much free cash flow those particular 6 companies ( Microsoft, Apple, Amazon, Facebook, Googl...
by G12
Wed Jun 19, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5436

Re: Single cup coffee/espresso options, 2019

I have the right answer to this :happy We bought the Mr. Coffee Espresso and Cappuccino Maker 2 years ago for $159. Makes really good cappucino/lattes and expressos and has been fool proof. We use it on a daily basis. We considered all the fancy Italian-style/named brands that were much more expens...
by G12
Wed Jun 19, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4608
Views: 1184154

Re: What Movie Have You Recently Watched?

John Wick 3, thought it was the worst of the 3. Well, other than the Malinois and JW's Pittie. Rocketman - saw this with my wife. I enjoy most of EJ's music, have seen him in concert 2x, yet I didn't really enjoy the "fantasy" aspects of the movie. My wife liked it much more than me. As a comparison...
by G12
Wed Jun 19, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14500

Re: Good times: 2008 vs Now

I find myself being skeptical and cynical but I have to remind myself that I'm basing that on a limited past experience that was an extreme. Someone who's 29 isn't that much younger than me but we've already had very different experiences growing up from 2009-2014 vs. 2014-now. Especially, when I h...
by G12
Wed Jun 19, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 89
Views: 7397

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

Thanks for all the replies! Just to be clear... It seems like most people here do NOT invest money into developing extra streams of income. And I'm not referring to savings/investments for retirement. I'm talking about now, during your working years, having income from a source other than your sala...
by G12
Wed Jun 19, 2019 3:17 pm
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 54
Views: 5992

Re: PIMIX, income, cash, interest rates?

I wish PIMIX had closed to new investors instead of raising the fees. It's only 15% of my fixed income which is more heavily geared to investment grade T's, TIPS, CD's, and some cash. And a long term holding in BCOIX. If I had a very high equity allocation and a significant portfolio don't know that...
by G12
Wed Jun 19, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 6795

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Georgia. Very easy decision. Much higher quality life there. Opposite thought here. Atlanta has become gridlocked and stifling. Vancouver WA sounds terrific. Different strokes. Yeah, my wife and I have lived in ATL since 1989 and we are bolting in April or May, 2020. No viable medium to longer term...
by G12
Mon Jun 17, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: Utilities - worth another look?
Replies: 98
Views: 7170

Re: Utilities - worth another look?

OP, I have almost 5x the utility sector exposure to the US market of 3%. Very long term holder of VPU, have huge (for a utility) embedded LT gain in WEC, plus D and DUK. I owned SO for a long time but their ineptitude with the new nuke build out got old quickly with me so sold while I still had sign...
by G12
Mon Jun 17, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6489

Re: How to avoid high vet bills?

Quit taking the dog to the vet. I wish. He has to stay up to date with rabies in order to keep his dog license. And this visit was follow up from his Lyme disease. Spacing out our trips after this Isn't rabies every 3 years? And a follow up for lyme? Was the dog sick? First rabies shot is good for ...
by G12
Mon Jun 17, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5971

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I don't visit it daily, but last week alone local law enforcement posted of a multi-car fiery crash with fatality blocking a 4-lane heavily trafficked road just before afternoon heavy traffic ensued, and posted when it had cleared. Also saw a city-wide water disruption with boil advisory first on ne...
by G12
Mon Jun 17, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2700

Re: Recommendation for light beer.

I am trying to keep carbs low in my diet due to slightly elevated blood sugar at last physical. Unfortunately this means avoiding beer which I really enjoy. I’ve tried a few light beers and its feels like I’m drinking seltzer water. Not much into wines. Does anyone here have a brand that has a full...
by G12
Mon Jun 17, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4611

Re: 40+% increase in auto policy (GEICO) - normal?

This is year 5 with Encompass and we have had very minor increases for combined house/2 autos/umbrella. No accidents, we have two dogs, and high coverage limits with $1k deductibles, no accidents/speeding tix, living in GA. There are odd little blips that can occur on one's insurance score or credit...
by G12
Thu May 30, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 32
Views: 2422

Re: Splitting fence cost with neighbor

This is an interesting post as our neighbor, who we share a common fence line on the long part of each of our yards, sold her house 3-weeks ago and that run should be replaced. I'm betting the newcomers when asked would like me to pay for it, but it was initially neighbor's fence that the prior owne...
by G12
Thu May 30, 2019 3:11 pm
Forum: Personal Investments
Topic: Should I hold SCHD in my Roth?
Replies: 22
Views: 1369

Re: Should I hold SCHD in my Roth?

Go to PortfolioVisualizer.com and back test the total market fund with SCHD starting in 2012 as SCHD opened in late 2011. The total market fund has outperformed SCHD over that period, but SCHD has had lower draw downs in falling markets. At the end of the day, if one believes there is a fairly high ...
by G12
Wed May 29, 2019 5:23 pm
Forum: Personal Investments
Topic: Should I hold SCHD in my Roth?
Replies: 22
Views: 1369

Re: Should I hold SCHD in my Roth?

Greetings, I currently have three funds in my Schwab Roth, the overall account value is around $7,000. I am 25 years old so I am comfortable with high exposure to equities. SWTSX = 65.13% SCHD = 20.76% SWISX = 10.41% Cash = 3.69% (temporary, not a common thing I usually invest right away) I also ha...
by G12
Wed May 29, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 16565

Re: Fun paid jobs after FIRE

I like this! Fire retreats...is that a real thing? Sounds like where bogleheads would go to retreat. Guaranteed to not cost too much ;) Heck, I've heard that these FIRE people even have their own island. [/quote] Yah, and promote non-existent concerts, beach villas, super models, etc, then end up i...
by G12
Wed May 22, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 420
Views: 41601

Re: I don't understand the case for EE bonds

I've recently become more negative on EE bonds and I thought I would share my situation. I will stand to inherit some EE bonds sooner rather than later. It is a substantial sum (for which I am thankful) across bonds with years of issue from 1990 to 2005. There are big lumps in a few years in the ea...
by G12
Wed May 22, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6251

Re: Best small AWD to 'drive into the ground'

I am not an engineer nor true off road enthusiast, etc, but I have driven through a lot of flooded bean fields and other deep gumbo-type heavy mud environments when I was a duck hunter in Louisiana. It should be noted that Honda has 2 different AWD systems, with the better option available on Pilots...
by G12
Fri May 17, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6319

Re: Why do plumbers get paid so well?

"$160/hr for a plumber"

As an aside, Greenlee Plumbing came out to my house in Cobb county about 4 weeks ago and did about 2.5 hours of work, + drive time, did a very nice job and it was $212. Evidently Cobb water system is corroding copper pipe these days. Give them a try for better pricing.
by G12
Fri May 17, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 5691

Re: Mortgage in Retirement

Let me reiterate that fixed withdrawals increase a retiree's sequence of returns risk by definition. It's not a matter of "feelings." You keep saying this while seemingly ignoring the fact that there will always be some fixed expenses in retirement: utilities, gas/transportation, groceries, health ...
by G12
Fri May 17, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3609

Re: Bonds beyond Total Bond Market - Anyone ?

In addition to total bond market we have foreign bonds contained in Vanguard target retirement and TR 2015, BIV, BCOIX, PIMIX, corporates held in Wellesley (VWIAX), short term investment grade, individual TIPS, CDs, old EEs, I's, and online savings. I think we are covered.
by G12
Fri May 17, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 7008

Re: Honda CRV or Toyota RAV4 ?

Long time Honda owner thinking about getting a new CRV. Was wondering how a RAV4 would compare especially on price and reliability. Your thoughts? I wouldn't get a CRV with the 1.5T engine as others have said, oil dilution risk makes that a non-starter. Maybe consider the new Honda Passport, has th...
by G12
Thu May 16, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8950

Re: Amazon....we all have seen this before :)

The grand slam has already been hit; now Amazon is trying to hold on to its lead. As a stock, it may continue to grow from here, but not nearly at the pace it has in the past. This is one big benefit of holding a total market fund or a small/mid-cap fund - you are invested in these stocks before th...
by G12
Tue May 14, 2019 4:26 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10712

Re: Does your retirement plan work if stocks are flat or in decline for decades?

I would be more concerned with political, nukes, significant water challenges for crop production, health care costs, large scale negative climate change, etc more so than the stated question. Equities, if remaining flat for multiple decades, would likely continue to pay dividends given what happene...
by G12
Thu May 09, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 219
Views: 24289

Re: What is your AA, given your age? and, Why?

My wife and I are most likely both retired within the next 12 months, I have been pretty much the last 9 years but dabble in some things. We are ages 55/54, soon to be 56/55 by September. Our equity allocation bounces between 55-60% depending on the market, bonds and short term reserves roughly 25-3...
by G12
Mon May 06, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 3896

Re: Winter Tires All Year?

I guy I run into at times at events lives in Colorado Springs and runs Blizzaks all year and said he put 50k miles on his last set. They sound loud to me on clear streets and highways. YMMV.
by G12
Tue Mar 19, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 187
Views: 18438

Re: Are RMDs that bad if you're not an over-saver?

What I think is BAD about RMD's is the inequality for spouse versus non-spouse IRA beneficiary. Being single, I can't designate a spouse. The formula that is applied to the dollar amount of the RMD penalizes singles as it is a much higher amount than for someone who has a spouse as beneficiary. Loo...
by G12
Tue Mar 19, 2019 5:13 pm
Forum: Investing - Theory, News & General
Topic: Retired Investors - Do You Keep Cash For Down Years
Replies: 107
Views: 8508

Re: Retired Investors - Do You Keep Cash For Down Years

Very minimal cash. Have 3+ years of EE bonds close to maturity to cover some expenses if needed, plus real estate partnership income, plus a boat load of QDI. I do have some 12+ month CDs, but they are not earmarked for living expenses, more like if we move and need additional funds to buy a house, ...
by G12
Mon Mar 18, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 8811

Re: Can I afford a $1.5 million house?

Is this a response to the $700k house thread? I look forward to the next threads on whether someone can afford a $3 million house, $7 million house, and subsequently, $20 million submarine, $60 million jumbo jet, and however it escalates after that. It's like the book "Where are the Customers' Yach...
by G12
Sun Mar 17, 2019 8:17 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 790
Views: 81012

Re: That's enough for me in 2019

This is my top-calling post. Feel free to bump as we make new highs. Wow, I could get paid over $100/day just for sitting there and waiting. So that's what I'm doing. I got out of risk assets and went to cash yesterday. Felt nice to realize substantial gains on the sales. The mood on this forum has...
by G12
Mon Mar 11, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: My name is _____, & I am a MARKET TIMER.
Replies: 109
Views: 7677

Re: My name is _____, & I am a MARKET TIMER.

I am also a market timer. Even worse, during periods of elevated broad market valuations I have been known to invest in individual stocks instead of ETFs/funds. I have an issue where I would like to reduce overall equity holdings in taxable accounts yet the potential tax burden is too great so I jus...
by G12
Mon Mar 11, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1122
Views: 159554

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I appreciate this thread. I was just about to buy a CRV when it first posted. I went with Hyundai instead and am happy with my choice. I continue to follow this thread out of curiosity to see how Honda eventually responds. So far their response has not impressed. Yeah, I second that. I have a 2017 ...
by G12
Mon Mar 11, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Renting in Boston - how difficult with a pit bull?
Replies: 48
Views: 3389

Re: Renting in Boston - how difficult with a pit bull?

Hello, One of my current roommates adopted a pit bull mix during our current lease, with the landlord's and my blessing. My concern is that if we wish to move and remain roommates, we may encounter stiff opposition to the dog. She is very nice, but is nevertheless a "problem breed" on paper. Any ex...
by G12
Tue Mar 05, 2019 2:46 pm
Forum: Personal Investments
Topic: Should I offer advice to friend who has entire college fund in PG?
Replies: 28
Views: 2517

Re: Should I offer advice to friend who has entire college fund in PG?

If I had a child months away from starting college I would have half of the college fund in short term fixed income, cash, CDs, whatever to minimize chance of loss. I don't have any knowledge that PG will or won't underperform the market over the next 4 years.
by G12
Mon Mar 04, 2019 2:36 pm
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 8027

Re: Another Edward Jones defector

Hi bogleheads I will just give you some examples of how they mislead me. I was talked into an immediate annuity even though I protested that everything I read said that was not a good investment. But I deferred to the “expert “ They converted almost half of my assets into the advisory solutions and...
by G12
Mon Mar 04, 2019 1:57 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 1400

Re: Managing cash in a Wells Fargo Portfolio account

My account statement and the info on the their web site appear to point to two different minimum balance requirements: My account statement: If you do not meet the minimum balance requirements*, the standard monthly service fee of $30 will be assessed to your primary checking account on the 3rd bus...
by G12
Sun Mar 03, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 166278

Re: Boglehead Beer

Cherry Street Steppin' Razor is excellent.