Search found 681 matches

by Dude2
Fri Jul 20, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation and Underperformance vs US
Replies: 15
Views: 837

Re: International Allocation and Underperformance vs US

I believe the concept here of outperformance vs. underperformance is largely an illusion that is based on the strength and weakness of the dollar. The stocks themselves are highly correlated. Your argument could be not to invest in international for that reason alone, i.e. why bother when the two mo...
by Dude2
Fri Jul 20, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: High Crypto Allocation
Replies: 37
Views: 2887

Re: High Crypto Allocation

I am almost 100% ignorant when it comes to cryptocurrency, and I get by on what I hear my friends and coworkers talking about. What bothers me the most is when I hear them talk about the selling aspects. It isn't the buying I would be concerned about. It is easy to take your cash and move it into cr...
by Dude2
Thu Jul 19, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5275

Re: Where do you keep your Emergency Fund?

The beauty of the ladder is having something always maturing that you can access penalty free. If you don't need it, it just rolls over, and you keep all the CD's at the highest paying interest end of the spectrum. If rates rise, your newly maturing instruments catch the rising rates. It's on autopi...
by Dude2
Mon Jul 16, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4938

Re: Where to get a $100 bill?

Any place that changes currency (like from Euros to Dollars) or probably places that you can get money wired to you, i.e. Western Union branch in local supermarket. I'm overseas, and I have to get paid in foreign currency. When I change it back all they have over here are $100's and $5's.
by Dude2
Fri Jul 13, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5275

Re: Where do you keep your Emergency Fund?

5-year CD at my local credit union (3%). I'm interested that nearly everyone seems to keep their emergency funds in accounts that are immediately accessible with no penalty. I think a small penalty for accessing is actually a good idea - it keeps you from accessing the money for anything other than...
by Dude2
Fri Jul 13, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: Bonds in rising interest rate environment
Replies: 12
Views: 1049

Re: Bonds in rising interest rate environment

Expected REAL returns for intermediate bonds should always be low regardless of rising or dropping interest rates. How much does it really matter your expect range is about -2% to 2% real? Pyschological, you feel bad if you're in the negative but in numeric terms, it's a shrug of the shoulders. The...
by Dude2
Thu Jul 12, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8617

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

Perhaps a third one in the series could examine the worst case disasters of a 50/50 stock/bond mix. If interested only in capital preservation, one probably couldn't do much better over the long haul than a 50/50 mix. Thank you for that. Very interesting. Would it not be fair to say that 100% TIPS ...
by Dude2
Thu Jul 12, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting from Intermediate to Short-term Bonds
Replies: 11
Views: 1601

Re: Shifting from Intermediate to Short-term Bonds

Rising interest rates can be good for bonds (especially if rates are rising and inflation is not), but you may have to be patient to see this effect realized. Maybe that patience is better suited to a younger person. :happy By all means move toward a shorter term index fund. People have been moving ...
by Dude2
Thu Jul 12, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3266

Re: Like Lifestrategy Funds but???

I love LS funds (or TR) because they help me not to tinker. Set it and forget it. I am also neutral on IB, and neutral means I will not let it influence me negatively toward LS. In terms of stock, US and international are highly correlated, so what really makes the difference in return are currency ...
by Dude2
Thu Jul 12, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3701

Re: Advice on IT Certification program

The classes at the community college will be valuable as all such educational pursuits are. The subject of obtaining certifications is a controversial one. I have certs and have greater respect for colleagues who possess them. On the other hand, there are certainly smart, capable professionals who d...
by Dude2
Thu Jul 12, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8617

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

You need both.

Perhaps a third one in the series could examine the worst case disasters of a 50/50 stock/bond mix.
by Dude2
Sat Jul 07, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Experience with Generac or Champion generators
Replies: 9
Views: 565

Re: Experience with Generac or Champion generators

I got the following for hurricanes. It will run my fridge, lights, fans, a window A/C for about 8 hours (all via extension cords). It's about as quiet as a lawnmower. I've had it around 4 years, and it is going strong with no need to bring it into a shop. I use gas additive, and I try to start it ab...
by Dude2
Fri Jul 06, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5075

Re: Every Other Friday Off

Absolutely hate it. Even worse was when I worked in western NY and they had "summer hours" which was four 10 hour days per week. I look at it that we are all only humans, and we need those extra days to accomplish what we need to and not get crushed by ergonomic issues. You can only sit in a chair s...
by Dude2
Sat Jun 30, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 4762

Re: 6 hour layover on Heathrow

Ha ha ha. Agree with everybody that says it is impossible. I was just there a month ago. Much depends on what airline you're coming in on and therefore what terminal, also on the convergence of flights arriving at exactly the same time yours arrives. No matter what, you are going to have to pass thr...
by Dude2
Thu Jun 28, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14761

Re: How much (green) cash at home for emergency ?

Imagine a disaster on the scale of 9/11 on the but sized up to Fukushima. Imagine no electricity for two months and no gasoline for 3-6 months. Just because you have never seen a black swan does not mean they are not out there. I suggest you have enough cash to buy food and medicine, if you can fin...
by Dude2
Thu Jun 28, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14761

Re: How much (green) cash at home for emergency ?

In Florida, it's best to have 8 or 10 red (or yellow) five-gallon containers of fuel for your car at home. When times get tough, merely having lots of cash won't help in this department... Never heard that before, and I’ve lived in Florida much of my life. Sounds like a potential disaster to me. We...
by Dude2
Thu Jun 28, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3854

Re: Best way to clean eyeglasses?

I was recently in the Heathrow airport and saw they had these eyeglass and jewelry cleaning machines for travelers. Only 3 pounds. Well, needless to say, I was too cheap to try that, but I see they have something similar on Amazon. Yesker Generic Sonic Wave CD-2800 Ultrasonic Jewelry and Eyeglass Cl...
by Dude2
Wed Jun 27, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: anyone working overseas? pros-cons?
Replies: 22
Views: 2390

Re: anyone working overseas? pros-cons?

I am always so impressed with this forum, and there is some good talk so far that I cannot find any issue with. I am an electrical and software engineer. I worked in Afghanistan for 3 years, and I'm currently working in Abu Dhabi. When on my Afg assignment, we traveled through Dubai quite a bit. I t...
by Dude2
Sat May 26, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 3017

Re: any disadvantages to using Delta Skymiles for fare?

Generally, the time for using your miles is when your status is high. Getting upgraded to first/business class due to status on a free ticket cannot be beat. I have had this happen often with Delta. Also, they do not seem to treat you like a pleb even if your ticket is free. The trouble is that gett...
by Dude2
Wed Mar 21, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2779

Buy individual stock to maintain my honor?

I would be interested in your opinions or comments about the following situation. Recently I was hired by a company I used to work for and given a $10,000 signing bonus. The fine print told me that if I left the job before two years, I’d have to pay it back. Well, although I had worked for this comp...
by Dude2
Sun Jan 07, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2176

Re: How to browse specifically for homes with "mother-in-law suite"?

How about searching for "Lennar NextGen?" While I really like the layout of these houses (thanks), I do not see how they fit with a MIL suite at all. It locates the guest bedrooms away from the master and seems to keep shared amenities centralized. Anyone that has a family of any kind would benefit...
by Dude2
Thu Nov 16, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to fund-of-funds - any regrets/downsides?
Replies: 9
Views: 1366

Re: Moving to fund-of-funds - any regrets/downsides?

I use LifeStrategy Moderate Growth. I have a 50/50 allocation, so I also have the TIPS fund. That's my 2-fund portfolio. I send the dividends from the fund of funds to the TIPS fund. I agree with your line of reasoning. The enemy of a good plan is a perfect plan. It's better to select something you ...
by Dude2
Sat Nov 11, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7923

Re: Swedish Death Cleaning

Yes, this describes me to a T. A few years ago I decided to become much more non-materialistic and drastically reduced the things I own. Along the lines of worrying about what others would have to deal with if I "went", I organized my stuff. Of course, wills and Pay On Death considerations everybody...
by Dude2
Sun Nov 05, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2645

Re: Lets talk emergency funds and I-bonds

I held I Bonds at TreasuryDirect for years and considered it my tax-deferred emergency fund, but after this thread I had to re-evaluate. TreasuryDirect - death of account holder The hassles dealing with TreasuryDirect I already considered to be a challenge, but learning about how bad it could possib...
by Dude2
Wed Oct 25, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 3482

Re: Package addresssed to my address, someone else's name, on house I am selling

Silk McCue wrote:
Wed Oct 25, 2017 4:40 pm
westrichj312 wrote:
Wed Oct 25, 2017 3:33 pm
I would open it up and keep it as it might have some value. finders keepers.
Not funny. If not intended to be funny then you have issues that need to be fixed.
I thought it was hilarious.
by Dude2
Sun Oct 15, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2911

Re: Calculating max electrical load of your home

The question confuses me. The service you buy from the electric company is the service delivered to the home, i.e. 100A or 200A, regardless of the sub-circuits in the home. This is the limit to the amount of amps your home can draw. There's a general rule that says you don't want to run more than 75...
by Dude2
Sun Oct 15, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6865

Re: Is Florida Over, 2017

isnt inland (orlando) much safer from hurricanes? Not really. Orlando's been hit pretty hard. People in California have managed to deal with the earthquake situation. I think our building codes are similarly effective at hurricanes. Personally, I have never been affected or known anyone that was af...
by Dude2
Sun Oct 15, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6865

Re: Is Florida Over, 2017

FL native here. I don't even understand the question. Are we talking about hurricanes? I've lived through dozens of hurricanes. Please understand that there are differences in perspectives depending on where you live and what you are used to. For example, if I were in the middle of those fires in Ca...
by Dude2
Sun Oct 15, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 9416

Re: What are you driving? And would you buy your current ride again?

I drive the most popular car in America -- the Toyota Camry. Yes, I would buy it again. No complaints. Decent comfort, power, gas mileage, visibility -- all for a very reasonable price. Besides changing the oil and air filter, rotating the tires, practically zero maintenance costs. However, I really...
by Dude2
Sun Oct 01, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 3321

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

Have you seen this HBO documentary on Warren Buffett?

Before you lend credence to his words, you might want to see who it is that is giving this advice. It was a game-changer for me.
by Dude2
Sun Oct 01, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3617

Re: Reach out to hiring manager directly on LinkedIn?

I don't understand what the purpose of LinkedIn is if not this.
by Dude2
Sun Oct 01, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 3415

Re: High yield muni

^^^ Sorry Nicolas, you beat me to it. Yep, missed that. Glad somebody is making sure all the facts come out. Bottom line is that the fund could be good for some people, but, once we start bringing tax issues into it, the conversation starts to diverge from the general case that the OP presented.
by Dude2
Sun Oct 01, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 1363

Re: Question on Bond Portion of AA

What about half stable value and half to a fund that is mapped to the Aggregate Bond Index? Best of both worlds.
by Dude2
Sun Oct 01, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 3415

Re: High yield muni

Since nobody said anything, VWAHX currently shows 16.6% AMT exposure, and it looks to be the only Vanguard muni fund with that exposure. FYI. If you're a muni investor, that implies a high tax rate, and therefore you typically do not want AMT exposure. I'm sure there's a sweet spot for this fund whe...
by Dude2
Sun Oct 01, 2017 4:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 11922

Re: Bogleheads you would most like to meet and why?

Valuethinker wrote:
Sun Oct 01, 2017 3:22 am
Many of us are probably more boring in real life than we seem here.

;-)
Thanks for being you. 8-)
by Dude2
Sun Oct 01, 2017 4:09 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9634

Re: What will happen if I refuse to pay a medical bill?

I'm just not comfortable with the ethics (yet). It's pretty much legally cheating to me. However, increasingly I think the medical system is legally cheating us, and so, to me, the ethics are getting blurrier. Clearly this is not as simple a scenario as "services are rendered, pay for services." Th...
by Dude2
Sat Sep 30, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 2280

Re: Bed Pillows

Esther wrote:
Sat Sep 30, 2017 7:52 am
They go flat.
Wash down pillows in washing machine (assuming the tag say you can), and then dry them in the dryer on low/delicate heat with a tennis ball in the dryer. It takes a long time to dry, and is quite noisy. I find it rejuvenates the pillows successfully.
by Dude2
Sat Sep 30, 2017 4:52 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9634

Re: What will happen if I refuse to pay a medical bill?

First off, these statements that the doctor's office will turn this over to collections if you do not pay are far from certain. This is especially true if you work with them and explain the situation. They have the ability to drop it and consider it a "one off". Then you have the ability to not go d...
by Dude2
Thu Sep 28, 2017 5:51 am
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 5557

Re: Which bogleheads have a "high need to take risk"?

I find this to be a very interesting question to ask, but I'm not sure the answers are going to give us useful data about high stock investors need and willingness to take risk. The risk is invisible to them because they have been compensated by stocks versus other investments. That means there is n...
by Dude2
Sun Sep 24, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead of another species
Replies: 9
Views: 1767

Re: Boglehead of another species

Treats are a consumption item, not an investment, and have no part in a dog's asset allocation.
by Dude2
Fri Sep 22, 2017 8:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 11922

Re: Bogleheads you would most like to meet and why?

I say Nisiprius because of his talents in getting to the crux of a matter without needing to step on anybody's toes. Picture a bunch of students working together to try to solve a problem. Left to their own devices, they hem and haw, agree and disagree, and can often come up with the wrong approach ...
by Dude2
Thu Sep 21, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth/Traditional vs Paying off debt
Replies: 19
Views: 1266

Re: Investing in Roth/Traditional vs Paying off debt

Should I use my pre-tax contributions of 18K (or the amount after my company matches) to pay off the debts as well? Maybe. How-Much-Does-My-401-k-Plan-Save-Me-In-Taxes- When you do the math, you discover that the two most important tax benefits for retirement savings are the non-taxation of trust e...
by Dude2
Wed Sep 20, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 4380

Re: AA if you were just starting out again

Hard knocks is what it took for me. If I had it to do over, I'd probably stick with the traditional balanced fund 60/40 approach and just try to save.
by Dude2
Wed Sep 20, 2017 6:29 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 2678

Re: Why so many 'negative' responses?

Jeez, two examples in a row right above here.
by Dude2
Tue Sep 19, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 29600

Re: Calling out the not so rich bogleheads

It has also been stated that there are many engineers/IT/Software people on the forum (which makes sense given that being on the Internet is probably a higher priority in our lives). I don't think that our job category is associated with wealthy. We do alright - some better than others. A defining c...
by Dude2
Sun Sep 17, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: After Irma in need of............
Replies: 25
Views: 2674

Re: After Irma in need of............

Rechargeable battery storage indicates that one must try to keep their rechargeable batteries in a state from between 30-70% charged to ensure their life and usefulness. Using a hand crank/solar device sounds wonderful in theory, but it relies on the rechargeable battery inside being viable. If you...
by Dude2
Wed Sep 13, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15961

Re: Florida Hurricanes: When and where to go?

Just got power back. Boy, that sucked. We got teased at first. Power came back on for 4 hours. Then, I guess, several transformers blew, and it took another three days.
by Dude2
Sun Sep 10, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15961

Re: Florida Hurricanes: When and where to go?

I appreciate the suggestions. It looks like it makes sense to sit tight until 2 days out and then either drive/fly away. Can anyone comment on traffic conditions to Orlando 48 hours before a hurricane is projected to make landfall? Every single hurricane is different, so I would never go by what pe...