Search found 1797 matches

by Random Poster
Sun Jul 14, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 24
Views: 2328

Re: Health Care Options Until Age 65?

What state you live in definitely makes a big difference. I just priced your same situation in California and the cheapest plan ($6,300 deductible) is only $1291/month. Anyone know of a resource that identifies which states have the cheapest health insurance premiums? Or, alternatively, which zip c...
by Random Poster
Sat Jul 13, 2019 3:55 pm
Forum: Personal Investments
Topic: Investing in Oil Companies
Replies: 15
Views: 1084

Re: Investing in Oil Companies

Depends on what you mean by “subsidies.” Some are tax deductions, some are royalty obligations (that might be below what a private party would accept). All are subject to change, depending on governmental action. Also, some tax benefits, I believe, only apply to smaller independent oil companies or ...
by Random Poster
Sat Jul 13, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 145
Views: 29730

Re: Have $3m at 33, "approach to career" advice needed

Thought I would post a short update. After approx. a year at my job, I left. It just didn’t seem worth it. Hopefully this isn’t a shortsighted decision, but I just felt too busy and wasn’t happy day to day. I met a lot of interesting people and found a part time remote role through someone I met at...
by Random Poster
Wed Jul 10, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7887

Re: Who cuts your hair? And for how much?

EddyB wrote:
Wed Jul 10, 2019 10:24 am
jeff1949 wrote:
Tue Jul 09, 2019 9:18 pm
Random Poster wrote:
Tue Jul 09, 2019 8:14 pm
My wife.

Hard to determine the price, but it isn’t cheap...
Ditto. :sharebeer
Random Poster's wife must be pretty good at it.
Hmmm....and I thought I was her only customer!
by Random Poster
Wed Jul 10, 2019 12:00 pm
Forum: Personal Investments
Topic: Best way to invest 180 k in cash - special circumstances
Replies: 15
Views: 1226

Re: Best way to invest 180 k in cash - special circumstances

How about a treasury fund: https://investor.vanguard.com/mutual-funds/profile/VUSXX Not insured like a CD, but still backed by the federal government. How fast would I be able to cash this investment out, let's say, if I wanted to purchase a home. It would not take too long getting the money to the...
by Random Poster
Wed Jul 10, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Retirees, did your level of luxury increase faster than you anticipated?
Replies: 47
Views: 4851

Re: Retirees, did your level of luxury increase faster than you anticipated?

A 1987 one-month trip to New Zealand, which we will be nearly duplicating this December, has gone from roughly US$100 per day to nearly $1000. Of course, this also reflects inflation and lifestyle creep, but is nevertheless IMHO illustrative. $100 a day in New Zealand in 1987 (or around $220 to $23...
by Random Poster
Wed Jul 10, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13498

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

Small town life in a paid off house in flyover country is a lot nicer than many realize, even some of the smart people on this forum. Of course, I was born a hick, and will probably die a hick. :) I wish people would be a bit more specific when describing these seemingly idyllic areas of the countr...
by Random Poster
Tue Jul 09, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7887

Re: Who cuts your hair? And for how much?

My wife.

Hard to determine the price, but it isn’t cheap...
by Random Poster
Tue Jul 09, 2019 7:07 pm
Forum: Personal Investments
Topic: Decided to retire soon - Asset Allocation question
Replies: 21
Views: 1992

Re: Decided to retire soon - Asset Allocation question

Current Asset Allocation: 55.75% Bonds / 42.22% Domestic Stocks / 2.02% International Stocks Desired Asset allocation: 50% stocks / 50% bonds Desired International allocation: 2.5% of stocks Total Portfolio: $5,955,990.67 An international allocation of 2.5% of 50% (or 1.25%) seems to be so small to...
by Random Poster
Wed Jul 03, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3259

Re: Does this car exist? Sexy convertible with a backseat

“Looks cool” is subjective, but what about a Mercedes E class convertible?
by Random Poster
Wed Jul 03, 2019 2:39 pm
Forum: Personal Investments
Topic: Moving the Goalposts - a new perspective
Replies: 15
Views: 1892

Re: Moving the Goalposts - a new perspective

Per my prior posts, I made the firm decision to pull the plug last December. Due to a big project I did not announce until April. I agreed to remain on until a successor is in place so I'm still working and will be for perhaps another few weeks. Here is the observation: Last December when I mentall...
by Random Poster
Mon Jul 01, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120178

Re: U.S. stocks continue to soar!

The market is now up some 300%, the bull is 10 years old, unemployment has nowhere to go but up, we are in a trade war, the yield curve has inverted etc. Exactly, I don't understand where the current FOMO comes from. You have to be slightly delusional to think this is your last chance to grab SPX @...
by Random Poster
Wed Jun 26, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4148

Re: Favorite mountain lodge destinations in the west?

We stayed at Jackson Lake Lodge several years ago. Looking to go back within the next year or so. Excellent food, too. https://www.gtlc.com/lodges/jackson-lake-lodge If one is going to go all the way to the Grand Tetons and wants to stay in the park, one might as well consider staying at Jenny Lake...
by Random Poster
Tue Jun 25, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3265

Re: Anyone make their own tortillas?

I wonder if you can freeze those Costco tortillas. 50 tortillas for two of us is a lot. I'm not familiar with the Costco tortillas, but generally you can freeze tortillas (or, at least, the flour ones). Might be best though to separate each tortilla with a sheet of wax paper or thin plastic sheet a...
by Random Poster
Mon Jun 24, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4148

Re: Favorite mountain lodge destinations in the west?

Chateau Lake Louise. Get a room on the Gold Floor. The rooms do not have a balcony (except for one room, I believe), but the main level has a public patio with outdoor seating and there is lots of indoor seating that offers views of the lake and mountains. Great day hikes in the area too. There is a...
by Random Poster
Mon Jun 24, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Any in-house counsel on here? What’s your experience like?
Replies: 12
Views: 2785

Re: Any in-house counsel on here? What’s your experience like?

In-house with a large-ish E&P company. Now at a satellite office, used to work at the headquarters. Been with my current employer for over a decade now. Base pay is in the low to mid $200K range. Annual bonuses (which the law department really has no control over) have been anywhere from $40K to 90K...
by Random Poster
Tue Jun 18, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Quit My Job in 9 Months?
Replies: 3
Views: 879

Can I Quit My Job in 9 Months?

I’m looking for some thoughts and wisdom (again). I’m a rather anxious, conservative, and pessimistic person, so even though I suspect that the answer to my first question (and possibly to my third question) is “yes,” I’d like some perspective and confirmation from others. And I would certainly appr...
by Random Poster
Tue Jun 11, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1360

Re: How best to give broker payment to get apartment and win a race

I'm showing my ignorance here, but isn't the payee the broker? If so, why can't several cashier's check be made out in advance in varying denominations? Alternatively, why not deposit $X amount with the broker, and then have the broker draw from that deposited amount and have the broker provide the ...
by Random Poster
Tue Jun 11, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5537

Re: Job opportunity - KSA/Bahrain

Financials seem to me that this is a great can’t miss opportunity, but I’m here looking for other general opinions/thoughts on all aspects of our situation. No way would I take that opportunity. If you want to make money in O&G but not fear for your life while doing so, move to the Permian. The wat...
by Random Poster
Tue Jun 04, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10013

Re: Walking Cities, potential for retirees

Colorado Springs, Grand Junction . . . . Colorado Springs is certainly not my idea of walkable. Rather, it is a very good example of unchecked and unmitigated sprawl. Grand Junction may have a few walkable areas (downtown, such as it is, for example), but the amenities there are pretty skimpy. Bois...
by Random Poster
Tue Jun 04, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Road Trip: After the West Coast
Replies: 8
Views: 698

Re: Road Trip: After the West Coast

See the source of the Mississippi.

Stop in Brookings, South Dakota, and eat ice cream at SDSU's dairy bar.

Go to Pierre to visit one of the few state capitals not connected to an interstate. The state history museum is worth a few hours too.

Visit a few John Deere factories in Iowa.
by Random Poster
Fri May 31, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 52158

Re: What is/ was your career and would you recommend it now?

FI4LIFE wrote:
Fri May 31, 2019 6:45 pm
Times are changing with stricter building codes making fires less common than 20-30 years ago.
Seems like that would be a good thing, right?
by Random Poster
Fri May 31, 2019 5:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1938858

Re: U.S. stocks in free fall

H-Town wrote:
Fri May 31, 2019 3:45 pm
What's the point of buying an asset if you never sell it? Leave it to your kids?
To live off of the interest and dividends that the asset produces.
by Random Poster
Wed May 29, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4597
Views: 1182223

Re: What Movie Have You Recently Watched?

Saw Vice last evening. Great - in many ways. My wife liked it as well. She and I rarely like the same movies. Vice. C.Bale is great The movie tries to be too many things Very funny parts Good biographical details Too heavy handed in politics Saw Vice over the weekend. Thought it was horrible. Movie...
by Random Poster
Wed May 29, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12286

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Another way to look at this plan is keep equities between 15 and 18X salary and the rest in bonds for this segment. lower range higher range stocks bonds stocks bonds 25 0.7 0.3 17.5 7.5 25 30 0.6 0.4 15 10 18 12 30 35 0.5 0.5 15 15 17.5 17.5 35 0.4 0.6 14 21 Can you elaborate? If one's salary is $...
by Random Poster
Tue May 28, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12286

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Because it would seem that the more one has the more conservative things might be once passing a certain point and age. Correct? Probably, but I tend to think that, for those under the age of 60 or so, becoming more conservative is more of a function of account balance than age. But, as noted previ...
by Random Poster
Tue May 28, 2019 8:04 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12286

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

With your (PJW) permission, here's an excerpt from your link. I encourage anyone who hasn't read the two links that "PJW" provided to look them over. Some good stuff to chew on. Like this: Up to 25 times expenses: 70/30 Above 25 but below 30 times expenses: 60/40 Above 30 but below 35 times expense...
by Random Poster
Tue May 21, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Family Resort/Glamping Rec's
Replies: 11
Views: 1778

Re: Yellowstone Family Resort/Glamping Rec's

As an alternative for the glamping portion of you trip, perhaps consider to spend some time just a little south of Yellowstone down in Jackson Hole, WY. Not only will you enjoy the vistas of the Grand Tetons, which is not to be missed, there are a good number of excellent lodging choices (hotels, s...
by Random Poster
Tue May 21, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14550

Re: FIRE - What am I missing in the News Stories

https://live.staticflickr.com/7853/40623959763_b5e1fb3cfc_z.jpg The daily spending numbers are far too high for my comfort zone, particularly for someone under the age of, say, 55. Seems like it would be better to have a portfolio one category above the spending one, or at least 5 levels above the ...
by Random Poster
Tue May 21, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3485

Re: Another Honda maintenance thread

Does the below seem reasonable (not necessarily perfect, but reasonable if I want to keep our cars 200,000 miles)? -Change oil every 12 months or when MM says, whichever comes first. -Change transmission fluid every 50,000 miles or 4 years, whichever comes first. -Change coolant every 75,000 miles ...
by Random Poster
Mon May 13, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: 100% stocks with 3% SWR with 60 years retirement period
Replies: 40
Views: 3759

Re: 100% stocks with 3% SWR with 60 years retirement period

alibaba123 wrote:
Mon May 13, 2019 11:15 am

At 3.5 % withdrawal rate with a 30 hear horizon:

50% stocks 50% bonds:

Success Rate Avg. Portfolio at Retirement
98.29% $1,000,000
Curious that the 98.29% rate you show doesn't match the 100% rate shown by ERN in the post immediately prior to yours.
by Random Poster
Wed May 08, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2106

Re: Backpacking/study abroad for young folks

It's easy to say "see the world when you're young", but the options to actually DO that are a bit tricky - available time windows, options, costs, safety and the like. And if kids wait until they're post-college, life can quickly intrude and limit or eliminate certain options. Well, maybe not. I am...
by Random Poster
Tue May 07, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7280

Re: Which US city would you move to?

Would anyone care to elucidate the uninitiated as to the perils and annoyances of high wind areas? Time for a older Corb Lund song: https://www.youtube.com/watch?v=QyZw_5GEnw8 Lyrics: I was born with the Chinook wind howlin in my ears That Rocky Mountain gusty ****, it dried me out for years Way ba...
by Random Poster
Thu Apr 25, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17189

Re: Whats the Point of Climbing the Corporate Ladder?

I started a thread like this a few months ago. For me, I don't see the point. My wife and I are mid 40s and hit the 2 comma club at 39 through aggressive saving and index fund investing. It's only increased since then. I was on a recent biz trip on the corporate jet with a senior VP and I think for...
by Random Poster
Wed Apr 24, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11788

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

flyingaway wrote:
Mon Apr 22, 2019 11:36 am
What (reasons) holds you back from retiring?
Fear.
Inertia.
Malaise.
Anxiety.
Uncertainty of where to go or what to do next.
Love of money.
by Random Poster
Wed Apr 24, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2377

Re: Montana / Wyoming Summer Trip Ideas

If the OP is going to be in Bozeman, and has around an hour or two to spare, I'd suggest driving to Three Forks to visit the Missouri Headwaters State Park. It is easy to get to from I-90, costs $6 to get in, and allows you to dip your hands (or feet, if preferred) into the water that creates the Mi...
by Random Poster
Mon Apr 22, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 31538

Re: How did you feel about your 2018 tax returns?

I thought that the base 1040 and accompanying schedules made for a much more confusing tax preparation experience, and I greatly prefer the previous 1040 version. Kept feeling like I was missing something or making a mistake somewhere.
by Random Poster
Mon Apr 22, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2377

Re: Montana / Wyoming Summer Trip Ideas

Thanks for everyone’s insight! How far is Yellowstone from Bozeman? The map says 2.3 hours. I can’t tell if that is to the park entrance or the center of the park though... Plan on around 2 hours, from the city limit to the park border at West Yellowstone. The road is mostly 2 lane and can get back...
by Random Poster
Fri Apr 19, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

I tend to think that the withdrawal rate is pretty age dependent, Why? From the data we have until now there is a very small difference between perpetual and 30y SWRs. Of course there is the question of what sample size can you have with perpetual (or even 30y intervals), but that is a different di...
by Random Poster
Fri Apr 19, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

I'm inclined to agree. If someone is seriously considering a withdrawal rate below 3%, they should probably strongly consider a SPIA. If that's not enough, they might want to consider stockpiling water, food, medical supplies, etc. Well, I am seriously considering a 2.5% withdrawal rate, but I don’...
by Random Poster
Fri Apr 19, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

TheTimeLord wrote:
Fri Apr 19, 2019 10:06 am
How are you planning to protect yourself from the rest of society that didn't have 50x going into your catastrophic scenario.
Long-time and continued adherence to the practice of stealth wealth.
by Random Poster
Fri Apr 19, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

So, what would you suggest to prepare for such dire circumstances. Your previous thought of working just a few more years seems woefully inadequate for this type of apocalyptic thinking. Maybe one would better off investing in farm land, guns, and ammunition? Perhaps multiple citizenships, farmland...
by Random Poster
Thu Apr 18, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

The great depression essentially led to WWII, probably the most deadly single conflict in human history, what would a scenario worse than the great depression lead to? Nuclear war and annihilation, perhaps. Or widespread famine. Or moon colonization. Or maybe all of the above. Who knows? But isn’t ...
by Random Poster
Thu Apr 18, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

You should definitely work until you die. Otherwise, if you put no bounds on what could happen other than what is "possible", which is everything, than the day after you retire the entire stock, bond, and all other markets could go to 0. Your approach of working a just a few more years to get to 40...
by Random Poster
Thu Apr 18, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

Presumably the Great Depression was worse than the worst of the past. Definitely not, as the Great Depression (if you are talking about 1928+) is part of the past used by Bengen, the Trinity folks, etc. :confused Was not the Great Depression worse than anything that had occurred prior to the Great ...
by Random Poster
Thu Apr 18, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

But then, at year 6, everything plummets and now you only have half of what you started with. Things stay glum for 5 years. At year 10, things get even worse, and everything loses another 50% of its value, so now you have 1/4th of what you started with. Is that worse than the worst of the past? No ...
by Random Poster
Thu Apr 18, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

If the bad times don't start immediately, then there is even less chance of running out of money. Failures come from poor performance in the early years of withdrawal. So, if you assume you will get good returns the last 5 of years to "easily" get to 40x, then under those same assumptions, you prob...
by Random Poster
Thu Apr 18, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5560

Re: Bogleheads privacy warning

I'm not too concerned.

After all, I'm just some random poster.
by Random Poster
Wed Apr 17, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

. . . means my Y must be 35x the yearly average of all those things + all other expenses. Many of us calculate what our actual required expenses are and assume x% of fun money extra to enjoy each year and she a few years of fun money to buy the newest toy we want. This keeps us at a historically Ro...
by Random Poster
Wed Apr 17, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40683

Re: Mr. Money Mustache, SWR, and equity allocation

Yes, if a person has significant flexibility (e.g. can reduce their withdrawals by 30% or more) in the event of poor portfolio performance, then 25x is probably fine for a younger retiree. Which would indicate that they "retired" with around 35X the baseline amount, wouldn't it? [Math: $70K expense...