Search found 1666 matches

by Random Poster
Wed Oct 17, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 42
Views: 3451

Re: What do you consider 'enough'?

How about: Take what you spend annually now, and multiply that number by 1.33. Then multiply that resulting number by 40 (if you think that you can accept some risk of having to cut back expenses in the future) or 50 (if you'd rather have likely more secure, no-need-to-cut-back-later, retirement). F...
by Random Poster
Thu Sep 20, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6953

Re: Don't trust Tripadvisor reviews

Recently I booked a resort (outside US) for me and my extended family (wife, parents and in-laws). The reviews on Tripadvisors looked very promising and it shows the resort ranking 5th out of around 230 resorts and hotels in the area. However, our stay was horrible, the hotel was super dirty, and t...
by Random Poster
Wed Sep 19, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4634

Re: Bonds. Why? (vs. cds)

Let's all go back to the original discussion. It seems like tangents abound. Why not just get an FDIC insured 3 yr CD at 3.01 % instead of a bond for our low risk portion of our portfolio? Are there any municipal (i.e., federal income tax free) issued CDs? I need bonds for portfolio stability, asse...
by Random Poster
Mon Sep 17, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1263

Re: How to tell when a Mango is ripe?

I gave up trying to figure it out.

If I want some mango, I just buy dried mango slices.
by Random Poster
Thu Sep 13, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11443

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Upon hitting what I think is my FI number, I started arriving at work a little later and leaving work 30 minutes earlier and completely ceased responding to office emails after I left work for the day.

So, no, I am absolutely not climbing up any corporate ladder, but I might be climbing down it.
by Random Poster
Thu Sep 13, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: How to Evaluate a Bond Repurchase Offer?
Replies: 5
Views: 427

Re: How to Evaluate a Bond Repurchase Offer?

The bonds are not paying 7.25%; that is the coupon rate, but with a declining principal, the yield to maturity is a but under based on the current price. The tender offer is 0.35% above the yield to maturity, so declining the tender would be equivalent to holding a bond which yielded 3.6%. In your ...
by Random Poster
Wed Sep 12, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Fine tuning income around the ACA cliff
Replies: 24
Views: 2014

Re: Fine tuning income around the ACA cliff

curmudgeon wrote:
Wed Sep 12, 2018 9:45 am
If you are of a certain generation . . . .
Thank you for the information.
by Random Poster
Wed Sep 12, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8411

Re: Botched countertop installation - leave it as-is or risk the repair?

The current warranty is 1-yr. What is reasonable for an extended warranty and discount if we go this route? Any warranty extension would be from the contractor itself, and not from the manufacturer of the sink or countertop, correct? In that case, any warranty, or extension thereof, is only valid t...
by Random Poster
Wed Sep 12, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Fine tuning income around the ACA cliff
Replies: 24
Views: 2014

Re: Fine tuning income around the ACA cliff

I spent a lot of time playing with calculators and tax software looking at this. Could you recommend which calculators you used? Or, alternatively, a comprehensive resource that explains all of the details of the various ACA offerings, the tax implications of each, and how to make sense of it all?
by Random Poster
Tue Sep 11, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: How to Evaluate a Bond Repurchase Offer?
Replies: 5
Views: 427

Re: How to Evaluate a Bond Repurchase Offer?

bloom2708 wrote:
Mon Sep 10, 2018 11:52 am
Just my gut. I would be inclined to sell and simplify.
Thanks. I accepted the offer this morning.
by Random Poster
Mon Sep 10, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: How to Evaluate a Bond Repurchase Offer?
Replies: 5
Views: 427

How to Evaluate a Bond Repurchase Offer?

Background : I inherited 4,000 Aetna bonds, which have a 7.25% annual coupon (payable twice a year, or $290 total each year) and which mature August 15, 2023. The bonds' CUSIP number is 008117AG8. The bonds have an A- S&P rating and a BAA1 Moody's rating. My cost basis in the bonds is $4,746.01. Th...
by Random Poster
Thu Aug 30, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8495

Re: Mega Downsize....

4. Next take all CDs to library. Seems like a bad idea to me. CDs do not take much space at all, weigh very little, can be listened to at any time (provided you have a CD player and speakers, of course), and, best of all, you own them. Music that I loaded onto iTunes and then onto an iPhone is seld...
by Random Poster
Thu Aug 30, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Mother-in-law moves in...should she pay for extra household costs?
Replies: 10
Views: 1110

Re: Mother-in-law moves in...should she pay for extra household costs?

Kennedy wrote:
Thu Aug 30, 2018 11:29 am
In the past, for almost 20 years, she lived in a home rent-free that we purchased for her to live in.
Perhaps I missed it, but if the MIL is moving in with you all, then what is happening to the house that you bought her?
by Random Poster
Fri Aug 24, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13665

Re: 2000-2018 retirement - sequence of returns

Thanks for running the numbers and various allocations. The takeaway for me is that a 50/50 portfolio will work well (although instead of a pure TSM/TBM split, I think a 10% allocation to Total International might be worthwhile), but that one should keep their withdrawals to 2.5% or below to avoid ...
by Random Poster
Fri Aug 24, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13665

Re: 2000-2018 retirement - sequence of returns

Thanks for running the numbers and various allocations. The takeaway for me is that a 50/50 portfolio will work well (although instead of a pure TSM/TBM split, I think a 10% allocation to Total International might be worthwhile), but that one should keep their withdrawals to 2.5% or below to avoid f...
by Random Poster
Tue Aug 21, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 4114

Re: No advance notice to employer

Some employers health care expires at midnight on the final day of employment. This of course would happen with or without advance notice, however it is something to check into just in case. I know this is true, but I think it is not common among larger employers. My last employer's policy is that ...
by Random Poster
Tue Aug 21, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1450

Re: Do Universities "Bait and Switch" Financial Aid?

At some schools, a scholarship is given each year if the student keeps a certain GPA. What is not told, however, is that the grade curve is set in such a way that most people who receive a scholarship the first year are guaranteed to lose it (and likely never receive it again) in the second and foll...
by Random Poster
Mon Aug 20, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else seen huge rise in TX insurance costs?
Replies: 27
Views: 1912

Re: Anyone else seen huge rise in TX insurance costs?

Happens after every major hurricane. Harvey was probably the most expensive and destructive in Houston since Allison. This gets passed on to everyone IME, not just the people with Houston properties, but the entire state. Hmmm...I thought that most of the expense of Harvey was due to the flooding a...
by Random Poster
Sun Aug 19, 2018 7:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56019

Re: Post your Financial Milestone Announcements Here

Hit $3.25M last night, not including cash holdings. Was hoping to get to that number by February of next year, but the stock market's rise moved things along more quickly. Keeping the portfolio at a 50/50 allocation because I'm concerned about the inevitable downturn and, well, quite frankly, I'm n...
by Random Poster
Sat Aug 18, 2018 8:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56019

Re: Post your Financial Milestone Announcements Here

Hit $3.25M last night, not including cash holdings. Was hoping to get to that number by February of next year, but the stock market's rise moved things along more quickly. Keeping the portfolio at a 50/50 allocation because I'm concerned about the inevitable downturn and, well, quite frankly, I'm n...
by Random Poster
Wed Aug 08, 2018 8:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56019

Re: Post your Financial Milestone Announcements Here

Hit $3.25M last night, not including cash holdings. Was hoping to get to that number by February of next year, but the stock market's rise moved things along more quickly. Keeping the portfolio at a 50/50 allocation because I'm concerned about the inevitable downturn and, well, quite frankly, I'm no...
by Random Poster
Fri Aug 03, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4480

Re: Gated communities pros and cons? (Atlanta or anywhere.)

3. Is it worthwhile in the Atlanta northern suburbs (Alpharetta, Dunwoody, Sandy Springs, Johns Creek and environs?) Based upon my experience with Alpharetta and the other areas listed, I suspect that the recreational drugs are of better quality inside gated communities. Whether that is a pro or co...
by Random Poster
Thu Aug 02, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: SWR 2.5% --how much equity required?
Replies: 9
Views: 1309

Re: SWR 2.5% --how much equity required?

There is a great tool to investigate your question on this web site. It is the "Simba Backtesting" excel spreadsheet discussed at: https://www.bogleheads.org/forum/viewtopic.php?p=2753812#p2753812 and with the downloadable tool (spreadsheet) at: https://goo.gl/cS3SZG On the "Compare Portfolios" tab...
by Random Poster
Wed Aug 01, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6037

Re: Financial upside / downside of marriage vs cohabiting

I've been engaged for 4 years and we are having a child at the end of this year. I earn significantly more then my spouse . . . Does your spouse know about your engagement to another? Or are you claiming that you are engaged, but not yet married, to your "spouse"? I don't think that common law marr...
by Random Poster
Wed Aug 01, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7087

Re: DW job in dangerous area

My wife just graduated school. I make about 200k. We have no debt and we are both 26 y.o., so we just started saving. She has been working very hard to get a job and finally landed one! She will make about 40k pretax. i.e. her salary will not push the needle lifestyle or savings-wise. Unfortunately...
by Random Poster
Wed Aug 01, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6280

Re: Effect of Current Income on Decision to Retire Early

Frankly I am amazed at the number of folks posting on this forum that somehow have been savvy enough to amass a huge portfolio - like this one - $4,000,000 in invest-able assets - but somehow simultaneously these same people can't seem to be able to work out if they have adequate funds to retire. M...
by Random Poster
Tue Jul 31, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 3027

Re: Best BBQ in San Antonio

I'm going to slightly amend my earlier answer. Lum's is by far better than anything that Rudy's offers, and is much better than anything you'll find in San Antonio when it comes to barbecue, but if you really want to eat BBQ in San Antonio, you could always go to a HEB grocery store that has a True ...
by Random Poster
Tue Jul 31, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9962

Re: Realities of Early Retirement Model (FIRE)?

Suppose you are doing FIRE on a relatively modest $1.5M portfolio and counting on ACA plans. What do you do if the plan starts costing $40k a year and subsidies are revoked? What do you do if your carrier drops you due to a pre-existing condition or lifetime cap because restrictions on those things...
by Random Poster
Tue Jul 31, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 3027

Re: Best BBQ in San Antonio

When you get to San Antonio, keep driving west until you get to Junction. Exit I-10 at Main Street, go towards town (heading south, as I recall), cross over the river, and eat at Lum's.

Their smoked turkey is excellent.
by Random Poster
Thu Jul 26, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Preliminary Version of Revised Form 1040 Released by IRS
Replies: 10
Views: 1168

Re: Preliminary Version of Revised Form 1040 Released by IRS

What is the point of having two half sheets for the 1040? Why not just put both half sheets on one page? I mean, if I have to print out and use 2 full sheets of paper to print out a form that only takes up half of each page, what savings is really being accomplished?
by Random Poster
Thu Jul 26, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 2174

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

If you use portfoliovisualizer: For annual TTM yield -- set show income yes, set reinvest income no. Income graph will show dollar income each year, but you have to determine dollars of investment each year. Also, there is a monthly returns chart(instead of the graph of returns) that may show month...
by Random Poster
Wed Jul 25, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 2174

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

Where would one find the historical yearly or monthly yield for the Total Bond Market Index Fund?

Vanguard offers the historical monthly yield data for about the last 18 months, but is there a source that shows the monthly yield since the Fund's inception?
by Random Poster
Wed Jul 25, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2344

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

I live in BIg Sky! No need to rub it in... :wink: My only comment to the OP regarding the suggestions to see the Museum of the Rockies is that I hope they set aside plenty of time to fully visit the place. An hour or two won't suffice--it is more of a 4 to 5 hour excursion. Also, if you are in Boze...
by Random Poster
Tue Jul 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2344

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

One suggested route from Kalispell to Missouri: * Kalispell * Great Falls (see the C.M. Russell Museum). Or skip this slight detour and just head on to: * Helena (go on a Capitol tour to see the Lewis and Clark painting) * Three Forks (go to the State Park to see the Headwaters of the Missouri River...
by Random Poster
Mon Jul 23, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Company Mishandled My RSUs
Replies: 5
Views: 1071

Re: Company Mishandled My RSUs

Double check your RSU grant paperwork. It may say that any vested RSUs are not required to be delivered for a period of X days--perhaps 30, maybe 60, or who knows, 365--in which case you might not even have an argument. I do agree, though, that delayed vesting/delivery of vested shares---when the pr...
by Random Poster
Fri Jul 20, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: $3 Million in Cash at 31; Looking to Invest $2M of it
Replies: 16
Views: 4063

Re: $3 Million in Cash at 31; Looking to Invest $2M of it

So that will leave me with around $2 million to invest. I am leaning towards the simple three-fund portfolio. My main goal is to beat inflation and not risk all of my money. For that reason, I am thinking a ratio of stocks to bonds of 55%/45% or 50%/50%. Vanguard Total Stock Market Index Fund Admir...
by Random Poster
Mon Jul 16, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Investing in oil?
Replies: 13
Views: 1020

Re: Investing in oil?

Consider buying a working interest in an oil or gas well. Or an overriding royalty interest. Or just buy minerals outright. You can get much closer to the wellhead that way and there may be some tax benefits....
by Random Poster
Thu Jul 12, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation for High Net Worth (>$3M) Individuals
Replies: 26
Views: 5019

Re: Asset Allocation for High Net Worth (>$3M) Individuals

One of life's greatest ironies, IMHO, is that people want to have money in order to spend it. But in order to have money, one cannot spend it. Maybe, but you don't need to have money (or event want to have money) in order to spend it. A high-limit credit card will do just fine... Most people don't ...
by Random Poster
Thu Jul 12, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 4927

Re: New construction: financing fell through, builder won't return deposit/earnest $

There may be a conflict between the "seller may" language in financing paragraph and the last line in the commitment deposit paragraph, but--based on a very quick reading---the conflict does not appear to be in the buyer's favor. In that respect, I'm particularly interested in reading how the buyer ...
by Random Poster
Wed Jul 11, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5966

Re: Anyone take naps at work?

In an environment where work intrudes on activities that one conducts at home, it should be perfectly acceptable for such activities to intrude on those that are conducted at work.
by Random Poster
Tue Jul 10, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 3038

Re: Rodents ate my car, and my insurance is ripping me off!

Again, why is the name of the company important to you? If I said "state farm" (for example), would your answer be different than the answer if I said "Allstate" or "Progressive"? Personally, I'd like to know the name of the company so that I'd be able to avoid using them in the future. Considering...
by Random Poster
Mon Jul 09, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4812

Re: Why 3-funds and not 4-funds or even 2-funds?

If your portfolio is sizeable, I suppose that you may need 4 funds to maintain your preferred asset allocation, with one of the funds being a tax-exempt bond fund held in your taxable account.
by Random Poster
Sun Jul 08, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1306

Re: Used Honda - How to confirm it was serviced on time?

Is there anything in the service history besides oil changes and the 3-year brake fluid change that I should expect to see on a CRV in the 2010 - 2013 range? The rear differential fluid is supposed to changed every 30k miles (I think), but that only applies if the car is AWD. Spark plugs get change...
by Random Poster
Fri Jul 06, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5987

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

Looks to me like a 50/50 split would have many advantages---perhaps it is the best way to ensure that one gets an average of the average returns?
by Random Poster
Fri Jul 06, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5476

Re: Every Other Friday Off

Pretty much everybody in my area at work (there's like 10 of us) does something like that schedule. A couple of us like me basically do that but take a half-day every Friday instead of every other Friday off. Sometimes I wonder about transitioning back to a 5x8 workweek instead because I think it w...
by Random Poster
Mon Jul 02, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 7097

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

You got that right! And the strange thing is that it seems the more expensive the hotel is to start with, the more fees they have. Just booked a room in Banff at the Fremont for $450/night because it was the only thing available. But then there was a resort fee, parking fee, and even a fee to use t...
by Random Poster
Fri Jun 29, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 17438

Re: IRS publishes draft 2018 1040 - Huge changes made

WSJ article on the new form: [*]Similarly AMT forecast to go from 5M to 200k households [/list] I suspect that the answer is "yes," but if you have AMT Foreign Tax Carryovers and, because of the new tax law, you are no longer subject to the AMT, do you lose the carryovers and no longer need to trac...
by Random Poster
Tue Jun 26, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 17438

Re: IRS publishes draft 2018 1040 - Huge changes made

A cynic might reasonably believe that, by moving some of the adjustments to income to obscure worksheets, the government is hoping that the taxpayer will find the whole thing overly complicated (or not find the relevant adjustment at all) and give up, thereby paying more tax than they otherwise woul...
by Random Poster
Tue Jun 26, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35463

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

Oil and gas transactional attorney. Would recommend, but with reservations. I have been extremely lucky in my career, which no doubt influences my views, and I am undoubtedly an outlier when it comes to experiences and results. Graduated from a non-top 50 law school (but from the top law school in t...
by Random Poster
Fri Jun 22, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 3183

Re: Complain or Negative Review for Rip-off Plumber?

jminv wrote:
Fri Jun 22, 2018 5:03 pm
They’ll likely contact you offering a full refund to take it down, which you should accept.
Why?

So that others can experience the same bad service?

Or because it is important to evidence that you can be bought off?