Search found 381 matches

by Marmot
Fri Aug 14, 2020 1:49 pm
Forum: Personal Investments
Topic: Corporate Defined Benefit Pension —when to tap
Replies: 14
Views: 796

Re: Corporate Defined Benefit Pension —when to tap

I would wait until I got the 100% (full value). I was lucky an I got my pension at 100% at age 62. One thing to think about Mega corp, Mega corps get taken over.... That being said, pension obligations should hold.
by Marmot
Wed Aug 12, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Rec'd Unsolicited Offer for Land
Replies: 27
Views: 2120

Re: Rec'd Unsolicited Offer for Land

Considering how you feel, I would keep renting to the farming family. Especially if you don’t need the money. I think this would be, karmaically, the best answer. Something goes out of this world when a good farming family loses access to land that they have farmed for years, or generations. Amen. ...
by Marmot
Tue Aug 11, 2020 11:15 am
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 135
Views: 8568

Re: Moving to Cash?

I think when you're tempted to make big moves like this, consider it may be prudent to do some tweaking to the weighting of your portfolio. You should have a diversified portfolio to absorb the occasional volatility but It's your money. There's an old phase that says "time in the market beats timin...
by Marmot
Tue Aug 11, 2020 10:23 am
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 135
Views: 8568

Re: Moving to Cash?

Not moving to cash.
by Marmot
Tue Aug 11, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Value of Six/Lean Six Sigma certifications and accrediting bodies.
Replies: 19
Views: 1330

Re: Value of Six/Lean Six Sigma certifications and accrediting bodies.

Anyone here certified in Six Sigma and/or Lean Sigma? Seems that ASQ (American Society for Quality) is the most reputable/recognized certification body, but they don’t offer lean sigma certifications, although they do promote lean sigma training courses oddly. The next leading org seems to be IASSC...
by Marmot
Sun Aug 09, 2020 10:52 am
Forum: Personal Investments
Topic: Keep investing or pay off some debt?
Replies: 14
Views: 1243

Re: Keep investing or pay off some debt?

Hello! A bit about us: 40 and 42 years old. Have a combined income around $130-135k. We have a vehicle loan around $30k and a mortgage with about $125k remaining. We live off of $55-60k or so a year and the rest we are using to max out each of our 401k and an HSA. Current investments are around $30...
by Marmot
Sun Aug 09, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 200
Views: 18103

Re: What percent of net worth should a persons house be?

I had to think about the question for a bit. I guess it does not matter what percentage it is, it matters what you can sell it for. Whatever you can sell it for is basically part of your net worth. I see folks have issues with paying taxes, fees, blah, blah, blah. If you look at your house as a mutu...
by Marmot
Sat Aug 08, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 116
Views: 6615

Re: AMZN & AAPL - time to bail?

livesoft wrote:
Sat Aug 08, 2020 5:34 pm
Hold them forever. Or sell them now. Or something else.

How will you decide what to do based on responses to your question? I'm very curious what might be going through your mind on this one.
Agreed
by Marmot
Thu Aug 06, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1810

Re: My gym is reopening - are you going back to yours?

not going back until this thing clears up a bit.
by Marmot
Tue Aug 04, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 159
Views: 7739

Re: What Car Maintenance Do You Do?

I have a Tesla. I give it a car wash on occasion. And paid a lot of money for that convenience :) Not to turn this thread into a back and forth on Tesla, but... Teslas are not cheap. It is, after all, a luxury car. It has other advantages then just low maintenance. 32K for a base model 3 https://ww...
by Marmot
Tue Aug 04, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 159
Views: 7739

Re: What Car Maintenance Do You Do?

I have a Tesla. I give it a car wash on occasion. And paid a lot of money for that convenience :) Not to turn this thread into a back and forth on Tesla, but... Teslas are not cheap. It is, after all, a luxury car. It has other advantages then just low maintenance. 32K for a base model 3 https://ww...
by Marmot
Mon Aug 03, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 159
Views: 7739

Re: What Car Maintenance Do You Do?

We've done zero maintenance since 1997. That's when we got the first of three EVs. Since then, just checking tires and topping off washer fluid. Its funny. Sometimes I wonder why people buy something with over 1,000 points of failure. That being said, I have a Mercedes Sprinter RV, talk about a 1,0...
by Marmot
Mon Aug 03, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 159
Views: 7739

Re: What Car Maintenance Do You Do?

Leif wrote:
Sun Aug 02, 2020 6:50 pm
I have a Tesla. I give it a car wash on occasion.
Plug it in. Get updates via wireless. Tiring.
by Marmot
Sat Aug 01, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543393

Re: What are you up YTD? [Year To Date]

2.9 percent
by Marmot
Sat Aug 01, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11255

Re: Does a couple really "need" an SUV?

We bought a Tesla Model X for its safety rating. With the number of people driving and texting these days. I don't want "Texting Tammi" to be my end.
by Marmot
Fri Jul 31, 2020 1:14 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3627

Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again

Toons wrote:
Thu Jul 30, 2020 1:14 pm
I don't know
I don't write checks
:happy
What do you do for your real estate taxes? Credit card at 3% fee?
by Marmot
Tue Jul 28, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11558

Re: Middle of Nowhere Retirement

Bonanza, Colorado. Just a short drive to the hospital in Salida, Colorado. You're welcome :) https://www.uncovercolorado.com/ghost-towns/bonanza/ It's not quite desolate.... population goes up to 12 in the warmer months (I might be a bit worried about water, though.... as, even though it's at the d...
by Marmot
Tue Jul 28, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11558

Re: Middle of Nowhere Retirement

We love the Pacific Northwest, but are n ow in Massachusetts to be closer to the kids/grandkids. How about Bend, Oregon? Or maybe somewhere close to it. Decent medical facilities, but Eugene is 130 miles or 2+ hours away if needed. We have a cousin who moved to Bend from the DC area, and loves it. ...
by Marmot
Tue Jul 28, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11558

Re: Middle of Nowhere Retirement

What about someplace like Roanoke, Virginia? Very close proximity to many mountains in the Blue Ridge, the Appalachian Trail, access to quality healthcare (Virginia Tech is 45 minutes away and has a medical school; many healthcare initiatives are being started in Roanoke). I also agree with mountai...
by Marmot
Tue Jul 28, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Selling Silverware (all silver)
Replies: 14
Views: 1229

Re: Selling Silverware (all silver)

I am interested in the replies as well.
by Marmot
Tue Jul 28, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11558

Re: Middle of Nowhere Retirement

Alaska in a heartbeat. Homer (I like) and for some reason Juneau (have not been there though).

Anywhere in the Yukon of course (whitehorse area). Out there, but not.
by Marmot
Sun Jul 26, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9652

Re: Recommend 3 southern locales to retire!

How about Yuma, AZ,...when CA falls into the ocean. It already has lots of sun and sand :happy
by Marmot
Sat Jul 25, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Is $3K > KBB book value for a 16 year used car
Replies: 18
Views: 1132

Re: Is $3K > KBB book value for a 16 year used car

I tried to pm you, but it won't leave my mailbox for some reason. Here is what I tried to send: I talked with my dealer brother in law. He said to go to the NADA website. Put in all of the pertinent details and it will give you a realistic ballpark value. He said to print out the NADA data and use i...
by Marmot
Sat Jul 25, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Is $3K > KBB book value for a 16 year used car
Replies: 18
Views: 1132

Re: Is $3K > KBB book value for a 16 year used car

Look on autotrader and craigslist. KBB had an amount for my car (Lexus). My brother in law who is a used car dealer (usually classic Vets) told us that the KBB was way too low. KBB had 11K for our car, he said he could easily get 15K. So my lesson learned is to try and see what is the going price in...
by Marmot
Fri Jul 24, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: How did you determine risk tolerance?
Replies: 106
Views: 6043

Re: Presidential Elections: How to stay calm?

Found this string. Basically same question:

viewtopic.php?p=5390152#p5390152
by Marmot
Fri Jul 24, 2020 8:28 pm
Forum: Investing - Theory, News & General
Topic: How did you determine risk tolerance?
Replies: 106
Views: 6043

Re: Presidential Elections: How to stay calm?

I don't pay attention. Wall street factors it in. I have a percentage set up, I follow it.
by Marmot
Thu Jul 23, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 90
Views: 7164

Re: Thought about buying a small motor home, but the market is crazy

Your post sent me down the internet spiral and I found the new MB Weekender outfitted by Peace Vans. Thanks for the idea, but I'm not interested in owning anything on the Mercedes chassis. The reports from far and wide are that it's excellent when it works, which is most of the time, but that you'd...
by Marmot
Thu Jul 23, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning docs
Replies: 23
Views: 1490

Re: Estate Planning docs

Like everything Boglehead, its about having a plan :D It is a very interesting process to go through to say the least.
by Marmot
Thu Jul 23, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: House sale - where to park the money
Replies: 10
Views: 1261

Re: House sale - where to park the money

Quick follow up. We got a cash deal for the asking price. Closed in 10 days.
by Marmot
Wed Jul 22, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 16238

Re: Best secure email to use instead of gmail?

If you have your own domain, how do you integrate an email (from that domain) into outlook? I know this sounds so basic, sorry for the question.
by Marmot
Tue Jul 21, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 5825

Re: Walking OK with sun exposure?

Yes, one should worry about sun exposure. A sun umbrella does work wonders and will make you cooler, not hotter. Example: https://www.gossamergear.com/collections/accessories/products/liteflex-hiking-chrome-umbrella but there are many just like this one. All these umbrellas work in the rain, so you...
by Marmot
Tue Jul 21, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 14938

Re: Retirees, share your epiphanies..

Your time is your own. Greatest thing, no alarm clock. My wife and I were working on one of our rental units yesterday (about 10am) and I looked at her and asked the big question..."would you prefer to be here doing this or on a conference call"? We always seemed to have 10am conference calls , just...
by Marmot
Tue Jul 07, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: House sale - where to park the money
Replies: 10
Views: 1261

House sale - where to park the money

Suggestions on where to park monies from a house sale. We are not going to be buying right away, waiting for a property that suits our needs. That being said it could realistically from 2 months to 8 months...just guessing. I know I can park it our savings account at our bank for a massive .01% or b...
by Marmot
Fri Jul 03, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 90
Views: 7164

Re: Thought about buying a small motor home, but the market is crazy

Toons wrote:
Thu Jul 02, 2020 10:59 am
Get Your "Rv"
Enjoy,
A few nights last week
Blue Ridge Parkway
:mrgreen:

Image
We have a Roadtrek too. 2017 Adventurous.
by Marmot
Sat Jun 27, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Online vendor for sprouted nuts and grains?
Replies: 8
Views: 530

Re: Online vendor for sprouted nuts and grains?

We use nuts.com for certain things. Bobs Red Mill also. We are vegans.
by Marmot
Sat Jun 27, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: How to find a short term rental? (moving)
Replies: 26
Views: 1429

Re: How to find a short term rental? (moving)

Tom - I would recommend looking for a local property management property. The property management company we use (we have 5 properties we rent long distance) does exactly that. They do everything but vacation rentals as a business model. So, they actively place anything over 30 days.
by Marmot
Wed Jun 24, 2020 12:42 pm
Forum: Personal Investments
Topic: Fractional shares at Vanguard?
Replies: 5
Views: 428

Re: Fractional shares at Vanguard?

jim779 wrote:
Wed Jun 24, 2020 11:06 am
Just wondering if anyone knew if Vanguard is planning to offer fractional shares sometime in the future?

Thanks

Jim
They are considering it.
by Marmot
Sat Jun 20, 2020 3:16 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisors Services
Replies: 78
Views: 5250

Re: Vanguard Personal Advisors Services

For a variety of reasons, my husband and I were considering changing the management of our financial portfolio.  We were appreciative of the performance of a few Vanguard funds we owned and began to learn more about the successful history of Vanguard under its founder Jack Bogle.  Please understand...
by Marmot
Sat Jun 20, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 51
Views: 7009

Re: House not apprising to sale price

Thanks to everyone for their replies. It is appreciated.
by Marmot
Fri Jun 19, 2020 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 51
Views: 7009

House not appraising to sale price

I was wondering what are options in this scenario? For instance you have a contract for the sale of a 700K house. The mortgage appraisal comes in at 680K, what are options for involved parties? Obviously seller can drop price to 680K, but what else goes on out there in the real estate world? My wife...
by Marmot
Thu Jun 18, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Might buy a beach house. Looking for advice.
Replies: 42
Views: 5817

Re: Might buy a beach house. Looking for advice.

I have not read the entire string, but I would be concerned about the cost of insurance with the property being beachfront and in Florida. Call your insurance company and ask, curious what they would say. I am sure there a companies that will write a policy, but at what cost and what coverage. We va...
by Marmot
Tue Jun 16, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8080

Re: Would you rent your house to a famous athlete?

I bought a house from a famous athlete. Young, it was known in the neighborhood as a party house. Neighbors told stories of police helicopters circling it. Na, your athlete can't be that bad.
by Marmot
Tue Jun 16, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.
Replies: 81
Views: 8266

Re: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.

This is sometimes why it's better to have a money manager. Now, if said people are calling their guy/gal and still insisting on liquidating the equities, there is not much that can be done. Many people are terrible with finances and money. You'll find it in all education and income levels. Though, ...
by Marmot
Tue Jun 16, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: New Moving Boxes
Replies: 32
Views: 1532

Re: New Moving Boxes

I bought some from from Home Depot a few years back (we were moving stuff from a rental unit out of state). We actually go on Craigslist now, people are always offering free moving boxes. You might have to watch for a few days, but it happens. I also got rid of my moving boxes via Craigslist.
by Marmot
Tue Jun 16, 2020 9:12 am
Forum: Personal Investments
Topic: What to invest in to make 3 or 4 percent?
Replies: 23
Views: 2575

Re: What to invest in to make 3 or 4 percent?

vipertom1970 wrote:
Tue Jun 16, 2020 9:06 am
Pay off the mortgage if you still have one. Guarantee 3% return.
And the freedom that you feel...priceless :D
by Marmot
Sun Jun 14, 2020 4:17 pm
Forum: Investing - Theory, News & General
Topic: Thinking of closing out my Vanguard Account
Replies: 55
Views: 6714

Re: Thinking of closing out my Vanguard Account

A separate question - is anybody else on the Vanguard Steering Community? The reason I ask is that Vanguard seems to be interested in a lot of forward looking changes...reading some of these posts bitching about their failures makes me wonder if people know they are working on things? If you are pa...