Search found 28 matches
- Thu Mar 07, 2024 8:57 pm
- Forum: Personal Consumer Issues
- Topic: Plateaued with my 45 minute workout - Age 47
- Replies: 90
- Views: 7581
Re: Plateaued with my 45 minute workout - Age 47
You’ve gotten a lot of good advice. I recommend you watch/listen or read Peter Attia’s stuff. I have seen his fitness routine summarized as: Cardio || 4×45 min weekly Zone 2. (Roughly 70% max Heart Rate) Some say 2x90min is even more effective 1×30 weekly 4reps :4min Zone 5. (90%+ max HR) Other interval options: 1:3 (1min in Zone 5: 3min in Zone 2) or 4:4 (4min in Zone 5: 4min in Zone 2) Strength || 4 sessions × 40-60 min - 2 upper body and 2 lower body sessions. - Stability & Stretch throughout the week This is 9 workouts per week, (or 7 with longer zone 2 days) which is a lot but those zone 2 workouts should be easy, almost recovery work. They say you should be able carry on a conversation although the person you are talking to would ...
- Thu Mar 07, 2024 8:08 pm
- Forum: Personal Investments
- Topic: I bonds selling
- Replies: 26
- Views: 3819
Re: I bonds selling
I found out that I can’t send my paper bonds directly to Fidelity. However, I can cash them at a bank and then roll those funds into a 529 within 60 days without a tax hit. And as mentioned above, I can then change the beneficiary if necessary.
- Mon Mar 04, 2024 11:16 am
- Forum: Personal Investments
- Topic: I bonds selling
- Replies: 26
- Views: 3819
Re: I bonds selling
Thanks for the prod!
I have some I bought in 2003. The ones I bought in December 2003 are currently paying 5.06%. As suggested above, at some point I would like to get them in to a grandchild’s 529 - but they are paper bonds so that may add a step or 2.
Does anyone know if I could I send them to Fidelity and they would cash them in and roll the money into a new 529 for the beneficiary?
I have some I bought in 2003. The ones I bought in December 2003 are currently paying 5.06%. As suggested above, at some point I would like to get them in to a grandchild’s 529 - but they are paper bonds so that may add a step or 2.
Does anyone know if I could I send them to Fidelity and they would cash them in and roll the money into a new 529 for the beneficiary?
- Sat Sep 02, 2023 4:00 pm
- Forum: Investing - Theory, News & General
- Topic: "The Place of Social Security in Your Retirement Portfolio"
- Replies: 49
- Views: 8404
Re: "The Place of Social Security in Your Retirement Portfolio"
I think this is an “all roads lead to Dublin” example but it’s a road that needs to be taken when you are 30 or 40. Not for me but had Sue considered Soc Sec as her fixed income sleeve 30 years ago her equity portion would be much larger today. If Sue were to look at that alternative today, she would see her portfolio is 30/70 (E/D) or age +10 in bonds which is very conservative. Don’t consider SS and she is 50/50 or age -10 in bonds.
As a side note - I’m very surprised that 44% of retirees have pensions. The Federal Reserve document linked in the article shows an even higher number.
As a side note - I’m very surprised that 44% of retirees have pensions. The Federal Reserve document linked in the article shows an even higher number.
- Sat Sep 02, 2023 3:56 pm
- Forum: Investing - Theory, News & General
- Topic: "The Place of Social Security in Your Retirement Portfolio"
- Replies: 49
- Views: 8404
Re: "The Place of Social Security in Your Retirement Portfolio"
Doesn’t it split the baby? In this scenario Mr Roth is saying - don’t think of Soc Sec as something that influences your AA. But he gives sufficient reasons why Sue’s pension should be considered fixed income in her AA.
- Sun Feb 12, 2023 2:36 pm
- Forum: Personal Consumer Issues
- Topic: WWII Non-Fiction Book Recs
- Replies: 103
- Views: 8044
Re: WWII Non-Fiction Book Recs
So many great titles in this discussion to consider. This list is not complete until Valuethinker weighs in on books that discuss Russian efforts & the Eastern Front. And I’m shocked that hasn’t already happened. Books I’ve read on WWII and enjoyed & recommend include: Webster, Donovan - The Burma Road Bradley, James - Flyboys Rhodes, Richard - The Making of the Atomic Bomb Bird & Shermin - American Prometheus Price, David - Geniuses at War Olsen, Lynn - Madame Fourcade’s Secret War: The Daring Young Woman Who Led France’s Largest Spy Network Against Hitler Conant, Janet - Tuxedo Park, 109 East Palace And on my to read List: Overly, Richard - Blood and ruins : the last imperial war, 1931-1945 *Overy holds that WWII occurred beca...
- Wed Jul 27, 2022 2:06 pm
- Forum: Personal Consumer Issues
- Topic: 30k maintenance, Hyundai SUV - Dealer v Manufacturer
- Replies: 8
- Views: 2168
Re: 30k maintenance, Hyundai SUV - Dealer v Manufacturer
Thanks guys! (Man! How do people on this site do those complex quotes?) Brake fluid is hygroscopic which means it absorbs moisture. As this happens, it slowly darkens. Moisture does a couple bad things. It can corrode metal parts and at high temperatures like constant braking down a steep hill, it can boil. This is something that racecar drivers deal with by literally changing the fluid before every single track day. 2 years is a good interval and 30k miles is fine. Yes, have it replaced. Shouldn't cost more than $100 and the new fluid should be dot 3 or dot 4. Brake fluid is hydroscopic (absorbs moisture) and is commonly recommended to be flushed every two years or so to prevent fluid boiling and lack of brakes in extreme circumstances (lo...
- Wed Jul 27, 2022 1:00 pm
- Forum: Personal Consumer Issues
- Topic: 30k maintenance, Hyundai SUV - Dealer v Manufacturer
- Replies: 8
- Views: 2168
30k maintenance, Hyundai SUV - Dealer v Manufacturer
I’m sure it’s been asked in some form in the past but here goes: I am heading to the dealer with 35k on the ODO. (2021 Palisade) The owner’s manual doesn’t recommend much but it does say to change the brake fluid. So I’m going to ask for it to be done. Of all the things the dealer recommends, this isn’t one of them. — I have never had brake fluid changed. Drove a Highlander for 10 years on factory brake fluid. Any Hyundai owners know why this is recommended? OTOH, the dealer wants to flush the coolant which the manual says do every 10 years — I do live in the desert but this seems like overkill, has anyone here had that done at 30k? I do do some hot Highway driving but the engine never runs hot. I might add, I wasn’t in the desert last summ...
- Sat Jul 03, 2021 4:26 pm
- Forum: Personal Consumer Issues
- Topic: Moving help needed
- Replies: 10
- Views: 1082
Re: Moving help needed
In June 2019, we moved a full house 2100 miles from Florida to Arizona. According to my notes we paid $17,000 or about $1.00 per ton per mile. We used Allied. We got 3 estimates, 2 were close and one was significantly more. I am under the impression that some movers focus on corporate moves and charge more while Allied is a mid priced provider. Our cost included some serious packing for $4,000 - so had we packed everything ourselves our cost would have been about $13,000 or $0.77 / ton / mile. The whole moving process is a memorable experience. We started boxing ourselves but quickly realized we were in way over our heads. Allied sent three folk that spent 2 days packing and used a ton of packing paper. Our movers showed up and said if we w...
- Fri Feb 19, 2021 5:54 pm
- Forum: Non-US Investing
- Topic: Question regarding Closed-End Funds in the US
- Replies: 2
- Views: 554
Re: Question regarding Closed-End Funds in the US
I believe they pay dividends. See for example:
https://www.marketbeat.com/stocks/NYSE/PCI/dividend/
https://www.marketbeat.com/stocks/NYSE/PCI/dividend/
- Fri Aug 07, 2015 9:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: parent -> child gifts
- Replies: 14
- Views: 1921
Re: parent -> child gifts
There is the possibility that the law could be changed. The exclusion could be lowered to $1 million. Certainly that could happen at the state level. Or maybe the government would eliminate the step up basis and the inheritor/estate will have to pay capital gains on some portion of the estate. It seems this was floated a couple of years ago.
Someone mentioned estate admin expenses. We had a tax pro fill out the estate's tax forms and i was shocked at what that effort cost.
Someone mentioned estate admin expenses. We had a tax pro fill out the estate's tax forms and i was shocked at what that effort cost.
- Sun Apr 19, 2015 10:07 am
- Forum: Personal Finance (Not Investing)
- Topic: Poll: Effective average Adjusted Livesoft tax rate?
- Replies: 73
- Views: 13897
Re: Poll: Effective average Adjusted Livesoft tax rate?
Great poll, thanks for putting it together. A couple of thoughts, 80k is a long way from 160k and 5% is a long way from 10%. I wish it could be more granular. Also, you do not mention an employers share of FICA contributions - and maybe it shouldn't but that would raise the ALI another (what?) 7%.
The distribution is currently:
>240k 35%
>160k 23
>80k 28
<80k 14
The distribution is currently:
>240k 35%
>160k 23
>80k 28
<80k 14
- Mon Dec 29, 2014 9:53 pm
- Forum: Personal Consumer Issues
- Topic: Documentaries to recommend?
- Replies: 158
- Views: 30061
Re: Documentaries to recommend?
I have found http://topdocumentaryfilms.com/world-war-2-in-colour/ facinating. It is shown regularly on my PBS station. This documentary on WW1 was also interesting: http://topdocumentaryfilms.com/world-war-1-in-color/ . But as you can imagine the film quality is a little poor. One more vote for the Up series by Michael Apted. There was a similar series about Doctors. http://www.pbs.org/wgbh/nova/body/doctors-diaries.html I think it shows several students at Harvard and then rejoins them several years later. This doc on the Grand Coulee Dam was good: http://video.pbs.org/video/2218346883/ And one more: I saw a doc on the Pacific Crest Trail a couple of years ago. I actually don't think this is is the one I saw, but it gets you thinking: htt...
- Sat Sep 01, 2012 5:25 pm
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1561362
Re: What Book Are You Currently Reading? Part V
Elizabeth George's - "A Great Deliverance" based on a recomendation in Part I of this thread.
Also David Maraniss' - "Rome 1960", its going slow.
Also David Maraniss' - "Rome 1960", its going slow.
- Sat Aug 04, 2012 9:41 am
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1561362
Re: What Book Are You Currently Reading? Part V
My question is: Huh? What's the deal here? Why the cult status? Why the perma-position on the best seller lists? This is not good writing. And, where is the appeal of these story lines, these characters, and the rather stark descriptions of violence and sexual assualt to female readers? I read the Girl with the Dragon Tattoo and did not appreciate it either. The graphic violence was unnecessary and unbelievable. Here's one for you - How about all the coffee this guy drinks? Everywhere he goes "...and they drank coffee" We never learn if it was good or bad, old or fresh, does he ever get the jitters from too much coffee? (Is he ever desperate to find a bathroom?) We are never privy to those thoughts but man does the hero consume s...
- Sat Aug 04, 2012 9:32 am
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1561362
Re: What Book Are You Currently Reading? Part V
Just finished Fredrick Forsyth's "The Cobra". http://en.wikipedia.org/wiki/Frederick_Forsyth I have been a Forsyth fan for years but this one didn't do much for me.
Also recently finished Robert Parker's "Trouble in Paradice". It was a loser, seemed so cookie-cutter.
Also recently finished Robert Parker's "Trouble in Paradice". It was a loser, seemed so cookie-cutter.
- Sun Aug 22, 2010 1:56 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe's " The Right Financial Plan"--A Gem
- Replies: 54
- Views: 17959
OK, thanks Bob. I had assumed the reference was to asset allocation or need to take risk but this is different. I see Larry is discussing a plan B for spending.
dbr, Thanks for the help. You might say that about every comment or question to an author's thoughts - would sure save on bandwidth.The best advice is to buy or borrow the book and read Larry on Larry.
- Sun Aug 22, 2010 12:12 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe's " The Right Financial Plan"--A Gem
- Replies: 54
- Views: 17959
Thanks for the summary Taylor, one question though, what does Larry say in reference to "plan B"?
I must say, I thought the Boglehead wisdon included no "plan B". The expression "stay the course" seems quite clear on this subject.
My mind races with questions, scenarios, options. Does he offer examples? Does he suggest you take more risk at that point, or less? And where would he put that predetermined level?"Plan B should list the actions to be taken if financial assets drop below a predetermined level."
I must say, I thought the Boglehead wisdon included no "plan B". The expression "stay the course" seems quite clear on this subject.
- Sun Jan 03, 2010 7:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you/will you have a pension?
- Replies: 210
- Views: 35527
Perhaps a one sided view of this debate can be found tonight on C-Span Book TV:
Plunder!: How Public Employee Unions Are Raiding Treasuries, Controlling Our Lives and Bankrupting the Nation The one reviewer on Amazon points out that the most dangerous jobs are private sector jobs like loggers and cab drivers that rarely come with pensions.
I don't see my private sector job as some sort of high flying active fund, quite the opposite, a steady eddie; and when I accepted it 30 years ago, it had a generous pension; however, CEOs and their apologists changed the rules halfway through the game and took most of my pension away.
Plunder!: How Public Employee Unions Are Raiding Treasuries, Controlling Our Lives and Bankrupting the Nation The one reviewer on Amazon points out that the most dangerous jobs are private sector jobs like loggers and cab drivers that rarely come with pensions.
I don't see my private sector job as some sort of high flying active fund, quite the opposite, a steady eddie; and when I accepted it 30 years ago, it had a generous pension; however, CEOs and their apologists changed the rules halfway through the game and took most of my pension away.
- Mon Dec 07, 2009 8:27 pm
- Forum: Personal Consumer Issues
- Topic: Life changeing books recommendations for twenty-somethings.
- Replies: 114
- Views: 20365
FWIW, When I was in my twenties, the books that stuck with me were:
Og Mandino's University of Success
~ Og Mandino
What's Ahead for the Economy
~ Louis Rukeyser
What Color Is Your Parachute?
~ Richard N. Bolles
The Only Investment Guide You'll Ever Need
~ Andrew Tobias
I would feel lucky if I could get my kid to read:
Oh, the Places You'll Go!
~ Dr. Seuss
and
Freakonomics: A Rogue Economist Explores the Hidden Side of Everything ~ Steven D. Levitt and Stephen J. Dubner
Og Mandino's University of Success
~ Og Mandino
What's Ahead for the Economy
~ Louis Rukeyser
What Color Is Your Parachute?
~ Richard N. Bolles
The Only Investment Guide You'll Ever Need
~ Andrew Tobias
I would feel lucky if I could get my kid to read:
Oh, the Places You'll Go!
~ Dr. Seuss
and
Freakonomics: A Rogue Economist Explores the Hidden Side of Everything ~ Steven D. Levitt and Stephen J. Dubner
- Mon Mar 16, 2009 3:22 pm
- Forum: Personal Consumer Issues
- Topic: NCAA Champion...One guess only
- Replies: 80
- Views: 11242
- Thu Oct 30, 2008 5:00 pm
- Forum: Personal Investments
- Topic: Anyone increased their equity allocation?
- Replies: 125
- Views: 25673
Where are the Value Averagers?
I have a fairly conservative Value Averaging Plan set up for my equity portion. My neutral position is % bonds = 95-age or 43% equities but now my value averaging spread sheet is calling for me to be at 51% to set equities back on their path. I pulled money out of equities as the market went up, that part was easy, now I am slowly moving back in, in roughly 2-3% increments, aiming for that higher level.
Looking back, I am happy I was in the low 40s as the market peaked, hopefully I will look back at fall 2008 and be glad I was in the upper 40s when the market bottomed.
I have a fairly conservative Value Averaging Plan set up for my equity portion. My neutral position is % bonds = 95-age or 43% equities but now my value averaging spread sheet is calling for me to be at 51% to set equities back on their path. I pulled money out of equities as the market went up, that part was easy, now I am slowly moving back in, in roughly 2-3% increments, aiming for that higher level.
Looking back, I am happy I was in the low 40s as the market peaked, hopefully I will look back at fall 2008 and be glad I was in the upper 40s when the market bottomed.
- Fri May 16, 2008 1:20 pm
- Forum: Personal Investments
- Topic: Fidelity Low Priced Stock Fund
- Replies: 17
- Views: 5665
Just to add to the discussion, according to this chart:
http://stockcharts.com/charts/performan ... l?FLPSX,VO
FLPSX has tracked the Vanguard Midcap ETF (VO) since the ETF's inception over 4 years ago. The fact that it hasn't lost to the index is a good thing, the fact the the manager has only made enough to cover his expenses, not so good.
Fidelity does show it to have a lower turnover rate than the Van Mid cap fund (not the ETF).
http://stockcharts.com/charts/performan ... l?FLPSX,VO
FLPSX has tracked the Vanguard Midcap ETF (VO) since the ETF's inception over 4 years ago. The fact that it hasn't lost to the index is a good thing, the fact the the manager has only made enough to cover his expenses, not so good.
Fidelity does show it to have a lower turnover rate than the Van Mid cap fund (not the ETF).
- Fri Feb 15, 2008 7:52 am
- Forum: Personal Investments
- Topic: college costs
- Replies: 28
- Views: 6397
Paying the Talent
There was a James Surowiecki article in the New Yorker last year discussing how the cost of labor intensive “tasks” and the cost of superstars in all occupations are outpacing inflation. And there seems to be no end in sight.
An interesting piece of advice I once saw was to save a third, hope to pay a third from current income during the college years and cover the final third with debt. How you and your kids, and maybe their grandparents, split those thirds is up for negotiation.
There was a James Surowiecki article in the New Yorker last year discussing how the cost of labor intensive “tasks” and the cost of superstars in all occupations are outpacing inflation. And there seems to be no end in sight.
An interesting piece of advice I once saw was to save a third, hope to pay a third from current income during the college years and cover the final third with debt. How you and your kids, and maybe their grandparents, split those thirds is up for negotiation.
- Sat Dec 15, 2007 2:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: Indoor Exercise - Need Advice
- Replies: 57
- Views: 18014
We have a Tunturi elliptical trainer. We've had it for years, use it hard and it has held up without complaint.
http://fitness-en.tunturi.com/pages/bul ... cross.aspx Tunturi...
http://fitness-en.tunturi.com/pages/bul ... cross.aspx Tunturi...
- Sat Dec 15, 2007 1:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Any Good Music?
- Replies: 69
- Views: 34543
I hope this is FINALLY my 4th post. I keep trying to post without links but with dot com in the text and and some sort of anti-spam software eats my message.
As I said in my now eaten post - Petro, thanks for the Pandora tip! Those that haven't been there should go. Sorry I can't supply a link, I might be a spam generator.
As I said in my now eaten post - Petro, thanks for the Pandora tip! Those that haven't been there should go. Sorry I can't supply a link, I might be a spam generator.
- Sat Dec 15, 2007 8:33 am
- Forum: Personal Finance (Not Investing)
- Topic: What Book Are YOU Currently Reading?
- Replies: 566
- Views: 245952
- Tue Nov 20, 2007 8:12 pm
- Forum: Investing - Theory, News & General
- Topic: Jimmy Rogers on CNBC
- Replies: 23
- Views: 5062