Bogleheads.org

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but not sure it will be my last stop. If you relocated, or intend to relocate, at or after retirement, for reasons other than proximity to family, to where? And why? I don't know that anywhere is perfect. My wife and I had been ATL over 30 years and had grown sick of it, primarily congestion and no...

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This is a branch off of another post of mine. I have no mortgage (own a $600k home) and am basically 100% S&P. Is it reasonable to borrow money at todays rates assuming there will be inflation in our future and I will be paying it back with less valuable money? I would buy more S&P with thi...

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I would think most who have never heard of Fuss don't spend much time evaluating fixed income investments outside of the Vanguard suite. The same fund, LSBRX, has a .92% ER and is identical to the one graphed earlier. No one would buy this fund as an only bond fund as it is not suitable for that, bu...

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Thank you for that write up. You sound like quite the grilling enthusiast! Quick question. How would you describe cooking on the griddle vs a normal BBQ? DW feels like a griddle would be similar to cooking on a flat top in a pizza shop, would get the job done but may not be the same as BBQ'ing on a...

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Down $55k?? That's not even a flesh wound.

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All I can say is the UTG I added Friday was up over 8% today and over-allocation to Utes popped nicely, PFE was on sale, too. Then again, I didn't go below 53% equity, either.

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In my county, fences in the front yard, and side yard for corner properties, are limited to 3 feet tall. When the fence line has reached far enough back from a road, the fence height can increase to 6 feet. I live in a city roughly 10 miles north of downtown ATL. We had lived in our house roughly 1...

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I’d like to give—and get—some perspective from a retiree point of view, either those who retired recently or are near retirement. All my working life, I had a nest egg goal of $XXX by the time I retired. Here’s what happened: On retirement day (December 31, 2018), I had $XXX plus 24% On my all-time...

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Yes, it's the former layout. Took 5 minutes for the site to log into my accounts Friday and the old format appeared. Maybe Vanguard had so much customer volume it had to revert back to the old format. I like the new format much better.

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I made some investments today the Bogleheads don't want to hear about. Otherwise, I made some changes in our HSA which was really conservatively allocated to higher equity orientation, added to PIMIX, etc. I wanted to buy JPM but my existing cost basis is so low I passed. Added to some equity positi...

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[Embedded image removed by admin LadyGeek] Hi All, It's not pleasant to have to take measures to protect one's wealth in the face of optimism and a roaring market. It's also not useful to make sudden dramatic moves in one portfolio. However, I believe that the current juncture offers an opportunity...

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3 Doberman Pinschers and 2 Bully mixes, all rescues, all 5 have been outstanding, 2 have traveled with me over 70K miles 10 years of super high quality craft beer Primo Oval XL bought new in 2007, still going strong 3-season deck added to the house 10+ years ago was definitely worth the cost Some pr...

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Copper can be susceptible to pinhole leaks due to water chemistry. Yes, we had to replace roughly a 10 foot span leading from the hot water heater about a year ago. House was built in 1986, all copper, but this span was put in place 10 years ago during a remodel. The plumber said they had seen a ve...

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Things have likely changed, but I bought an LG french door/bottom freezer with ice maker and LG high efficiency dishwasher 9+ years ago and have only had to have the ice maker repaired once about a year ago?? I do have a surge protector for the fridge, as we experience frequent power spikes and shor...

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Jags4186 wrote: ↑Fri Aug 09, 2019 7:45 pm https://www.talentigelato.com/

You’ll never go back.

I'll be real, when this company started up near me the product was out of this world, then private equity, etc. It is still good, but not what it was originally.

G12

and spend your evenings drinking beer with friends in a bars instead of wasting away in rural america We don't have bars or friends or beer in "rural america"? :) And I'd rather be watching the sunset over a lake with my beer and my friends instead of stuck inside some smoke-filled dark E...

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What are others experience or thoughts with buying an expensive TV online? Of course I could wait until Black Friday sales in 2 months but I doubt they will be as good as this price. Thanks for your responses. Since you are a Costco member I suggest checking online with them as sometimes they will ...

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Feeling pretty stupid, but, just one question about the income of $300k from selling the rental property: are those proceeds added to income taxes or separate under capital gains taxes, or isn't there a difference? (Trying to decide if we should push for a sale this year, 2019, or next year, 2020 t...

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OP, not sure what your "large" dogs scale is, when I think large it is over 65 lbs. Being that you are mentioning the Alltrack, and had a Subaru, you may not be wanting a F-150 crew cab, nor have room in your garage. Take a look at the Honda Passport, it is a replacement for the Element, a...

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Brake fluid definitely needs replacing if it has never been changed/flushed. Like most have said it looks like deferred maintenance and well worth doing if you are keeping the vehicle a few or more years.

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Good point about the home equity line. I hadn't thought of that as an option. I am actually a bit unfamiliar with it. Is it basically the same thing as the option to take out a mortgage but with lower/no closing costs but higher interest rates? It would be an open credit line up to "X" % ...

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My thoughts are similar to Watty's. You can swing it. Might want to consider selling some of your taxable total stock market this year, and some next year to hopefully minimize tax impact when your wife is off work. If you put more cash down upfront you can always get a home equity line and have a s...

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Not very exciting. Die-hard Apple fans will buy it no matter what just because it's new, however. https://www.marketwatch.com/story/apples-new-iphones-are-overpriced-and-behind-the-times-2019-09-13 The long wait is over. Apple introduced its 2019 line of smartphones Tuesday, and pre-orders have now...

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I'm strongly leaning towards buying my wife a Mustang for Christmas. She had a beat up 80s Mustang when we first met, and it's still the only model of car she's every mentioned. I'm going to buy a lightly used version ('17-'19 model year). The question is, GT or not? On one hand, I say "why wo...

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Thanks for your comments. We are looking at the same thing from different angles. I am not saying Low Volatility is a bad strategy, just saying the timing isn't the best right now. My expectation is that the premium will persist over very long time periods. Markets are dynamic, it could be that thi...

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Again, it is all about the organizations objectives and ultimate plan design. In our case, the actuarial value of the HDHP is actually higher than the old traditional plan which means the new HDHP plan will actually pay more of the total plan costs than the old plan. With our company's plan design,...

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With my luck, the moment I sell, the stock will come roaring back. Look at the headwinds the global O&G industry has faced back to 2014, and the poor sector return vs the broad market, maybe it's time to invest more?? I still own multiple O&G holdings, all but one are well in the green/blac...

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We expect to be in the house permanently. Or at LEAST for as long as the next batch of carpeting is going to last. As for what percentage of the price is the pet proofing? It's impossible to really figure out. Perhaps 10%? The pet proof feature is really only on the higher priced line to begin with...

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Why did you buy VGENX at that time? The energy sector is very volatile, that may or may not change in the future, but I doubt it will. 2008, a barrel of oil was close to $190, what is it now? This is one sector I would never espouse the commonly heard mantra "invest when you have cash available...

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I work for a large health care organization that went through a merger. One of the changes that occurred to the benefits was that the High Deductible Health Plan was dropped. Executive leaders used the explanation that the amount of the deductible was too high and was deterring employees from getti...

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no one posts chuck akre's actual results and two decade plus history of management , fbr focus/akrex, before they all rush to say sell his fund? Above average returns with less than average volatility while tax efficient. Portfolio Initial Balance Final Balance CAGR Stdev Best Year Worst Year Max. ...

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From direct experience, especially if one has then current income or income producing assets at the time EE's mature, my advice is to pay the accrued interest on the bonds annually or you will end up with potential high tax cost when the bonds mature or you liquidate them at the 20-year mark. They m...

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For goodness’s sake he’s 74. If the check won’t bounce and your expenses are covered, let him do what he wants. Same goes for you. Yeah, I agree. My dad got a new V8 Mustang convertible when he was in his late 50's early 60's and enjoyed it. More recently he had bought a 300 series BMW hardtop conv...

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My 2004 C230 Mercedes is currently due for break pads and rotors replacement, there is also a small oil leak. Total cost to replace breaks and fix the leak is $1100. The car has 120K miles on it and I can't decide if I should put that money into it at this point or look for something newer, maybe a...

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I have had great experiences with Anker products, just make sure what you choose has the QualCom spec. Had no problem with the 6' cords, some are very heavy duty. One of the 3.0 wall chargers is smaller design with "foldable" electrical prongs so they aren't sticking out in your travel bag...

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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...

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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...

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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...

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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...

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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

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.

G12

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...

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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.

G12

Feeding a troll on this one.

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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 m...

G12

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. ...

G12

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...

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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...

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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 d...

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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...

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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...

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