Search found 607 matches

by alpenglow
Fri Jun 22, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 68
Views: 3823

Re: Did you celebrate when you finally hit $1m?

We took note of it and said "woohoo" or something like that. Same with paying off the mortgage. I think that was the extent of the celebration.
by alpenglow
Thu Jun 21, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 54
Views: 2081

Re: Does an IPS really need to be 5 pages long to be valuable?

AlohaJoe wrote:
Thu Jun 21, 2018 8:59 am
The only sample IPSes I'm seeing that are 5+ pages are for advisors to send to their clients. That's not your use case.
I imagine advisors would want to make things look very complicated!

I feel that most IPS's should fit on one side of a page.
by alpenglow
Wed Jun 13, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1551

Re: Subaru EyeSight windshield insurance

I see the connection to the "What did you do today" thread.
by alpenglow
Wed Jun 13, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 66
Views: 8978

Re: The Psychology of Money - A Blog Post

One of my favourites: 'When most people say they want to be a millionaire, what they really mean is “I want to spend a million dollars,” which is literally the opposite of being a millionaire.' Lots of wisdom in this blog. Thanks. I agree. I had to forward this quote to my wife because my MIL is al...
by alpenglow
Tue Jun 12, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3398

Re: Light Camping Trailer

Sweet Betsy wrote:
Mon Jun 11, 2018 4:53 pm
We do not own one of these yet but are seriously considering getting one in the near future.

http://www.timberleaftrailers.com/

They are adorable and can be pulled by a subaru outback or similar.
That is a very nice looking teardrop. Not cheap though.
by alpenglow
Tue Jun 12, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 36
Views: 3021

Re: Maturing Credit Union 3% CD's this year

Thanks Kevin. Despite mentioning the push option, I'll likely use the Fidelity form in December to pull the funds.
by alpenglow
Mon Jun 11, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: How to Repair Leak in Ceiling Below 2nd Floor Bath?
Replies: 6
Views: 491

Re: How to Repair Leak in Ceiling Below 2nd Floor Bath?

I had a similar leak not too long ago. We hadn't used the shower in that bathroom for a long time and after resuming use, the leak appeared. We isolated it to the bath/shower drain. Before opening the ceiling, I pulled the drain and re-did the putty. Luckily for me, that solved the problem. Good luck.
by alpenglow
Fri Jun 08, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 976

Re: To remove coffee tea stain from mug, use QxyClean

Another vote for Barkeeper's Friend.
by alpenglow
Thu Jun 07, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 66
Views: 8978

Re: The Psychology of Money - A Blog Post

Thanks livesoft. I'm a teacher and my free period was just ending.
by alpenglow
Thu Jun 07, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 66
Views: 8978

The Psychology of Money - A Blog Post

I just came across this blog post and thought it might be of interest here.

http://www.collaborativefund.com/blog/t ... -of-money/
by alpenglow
Mon Jun 04, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: PenFed 3% 5 year certificates are back.
Replies: 15
Views: 2249

Re: PenFed 3% 5 year certificates are back.

Doc wrote:
Mon Jun 04, 2018 10:55 am
For comparison the current yield on the five year Treasury is 2.77%.

No early withdrawal penalty, no state income tax and no need for another account.
PenFed will certainly have to sweeten the deal to keep my money come December.
by alpenglow
Fri Jun 01, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 36
Views: 3021

Re: Maturing Credit Union 3% CD's this year

If you end up transferring out and it's an IRA, use PenFed form 735 to make the move. Interesting. I've always used the form of the receiving custodian to do IRA transfers, so in this case would normally use Fidelity's form. However, looking over PenFed Form 735, it looks like it is set up to do a ...
by alpenglow
Fri Jun 01, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 186
Views: 15382

Re: Top Shelf Liquor Overrated?

I think this depends on your taste buds and how you are using the spirits. I drink whisky and gin. There is a definite difference in the flavor profiles of gins, especially from small producers. As for whisky, I like rye and scotch. My favorites include High West Rendezvous Rye, Springbank 10, Ardbe...
by alpenglow
Fri Jun 01, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2531

Re: Beach condo vs mountain cabin investment property

I live 6 hours from my mountain cabin. Bad idea. Don't do it.
by alpenglow
Fri Jun 01, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 36
Views: 3021

Re: Maturing Credit Union 3% CD's this year

I imagine a lot of money came into PenFed for that 3% CD offer. I wonder if they will have a good offer to retain those funds. Otherwise, I'll be transferring back to Fidelity where it came from. BTW, I discovered that my CDs at PenFed were set to auto-roll. You change the setting online to have it ...
by alpenglow
Thu May 31, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Performance Gap: Vanguard Total Intl vs. Fidelity Total Intl
Replies: 4
Views: 514

Re: Performance Gap: Vanguard Total Intl vs. Fidelity Total Intl

I don't see the performance difference you are describing. Using Morningstar, 1 year growth of $10k is:

FTIPX $11038.49
VTIAX $11024.65

Here is the chart:
Image
by alpenglow
Wed May 23, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Newton MA library program - Zvi Bodie on Managing Your Portfolio
Replies: 9
Views: 1657

Re: Newton MA library program - Zvi Bodie on Managing Your Portfolio

That sounds great. Too bad I don't live anywhere nearby. I've enjoyed reading Zvi's books.
by alpenglow
Wed May 23, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Transfer???
Replies: 11
Views: 968

Re: 403(b) Transfer???

You should be able to perform what is called a contract exchange, though it may vary depending on your plan documents.
by alpenglow
Tue May 22, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3712

Re: Road trip Newark NJ to Albany

Cold Spring, NY is a nice town. If you are interested in plants and gardening, nearby Stonecrop Gardens is one of the very best public gardens I've ever visited.
by alpenglow
Tue May 15, 2018 10:57 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2936

Re: How did you fall in love with investing?

My parents bought me a few shares of T, KO, and XOM as a kid. I loved cashing those quarterly dividend checks, as little as they were. My Dad also watched Nightly Business Report religiously. Now I just set it and forget it with a more or less three fund portfolio. I can't say I'm in love with inves...
by alpenglow
Tue May 15, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2091

Re: Military Retirement Direct Depost hijacked?

Thanks for the sharing the outcome here. Like you, I handle my parents' accounts and I'm always on the lookout for this sort of stuff.
by alpenglow
Mon May 14, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2091

Re: Military Retirement Direct Depost hijacked?

I'm curious to see how this plays out. Good luck.
by alpenglow
Thu May 03, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3470

Re: Receiving house after parents pass away - legal issues with siblings?

We are all on great terms and I don't think we will have any issues, but you just never know...read all kinds of horror stories here and elsewhere. This arrangement doesn't sound like a good idea. You never know what will happen down the road. What happens if siblings cannot or will not make paymen...
by alpenglow
Fri Apr 27, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Liquidity Risk Not Worth It
Replies: 35
Views: 5094

Re: Larry Swedroe: Liquidity Risk Not Worth It

Larry is correct, there are large segments of the US Corporate Bond Market that are not all that liquid. Treasuries, on the other hand, trade like water. What you are getting in greater yield with the lower quality Corporates, you in part sacrifice with higher bid-ask spreads. But let's look a real...
by alpenglow
Wed Apr 25, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: What happened to the Dow Jones between 1966-1982?
Replies: 72
Views: 4635

Re: What happened to the Dow Jones between 1966-1982?

fortfun wrote:
Wed Apr 25, 2018 3:22 pm
Seems like rental property, in a college town, may be a better bet? Renters pay the mortgage, plus some, and the home value doubles in ten years (pretty reliably).
Are you ready to be a slumlord? When is the last time you've been in a college rental? Good luck there.
by alpenglow
Wed Apr 25, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Does anyone have Cali Bamboo flooring? Your experience?
Replies: 19
Views: 1814

Re: Does anyone have Cali Bamboo flooring? Your experience?

We have it and are not happy with it. Installer acclimated it in house for 2 weeks. They had a hard time installing it. The planks shrunk and would not click together in some places. They ended up nailing it in spots and filling the holes with wax, it looks horrible. Now this winter we’ve had more ...
by alpenglow
Fri Apr 20, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2678

Re: Master Bath remodel price?

A friend of mine just remodeled their master bath with two new marble topped vanities, an all new shower tiled to the ceiling, new flooring, and trim. There was some re-plumbing involved. They also get new hardwood floors in the master bedroom and new trim. $20k in NY Metro area. I just got a new ma...
by alpenglow
Fri Apr 20, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?
Replies: 12
Views: 1281

Re: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?

In my town, if excessive snow isn't cleared and the mailbox is inaccessible, you can pickup at the post office.
by alpenglow
Wed Apr 18, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Forgot AMT on taxes
Replies: 7
Views: 790

Re: Forgot AMT on taxes

Thanks for the replies. It sounds like I should just go ahead with an amended return rather than let the IRS adjust the refund.
by alpenglow
Wed Apr 18, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Forgot AMT on taxes
Replies: 7
Views: 790

Forgot AMT on taxes

I'm really ashamed that I missed filing AMT on my Dad's tax return this year. :oops: He's never had to file AMT before, but RMDs and increased property taxes pushed him over the edge. I do all of the taxes by hand. Unfortunately, I already filled his return. He was expecting a refund and still will ...
by alpenglow
Wed Apr 18, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10489

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I was once in a similar situation with my wife.

1) Call and explain your situation.
2) If possible, seek a discount for immediate payment (I got 50% off from 2 providers)
3) If all else fails, ask for a payment plan. My in-laws have a number of 0% interest payment plans at the moment.
by alpenglow
Mon Apr 16, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4704

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

DorothyB wrote:
Mon Apr 16, 2018 3:44 pm
Thank you so much for the eyebonds.info/ibonds link!! I compared that to the values I have previously pulled from the TD website and they agree. This like gave me several months of values for both of my purchase dates very easily :)
I'm glad you found it helpful!
by alpenglow
Fri Apr 13, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 106
Views: 12668

Re: Is it still worth buying a house in a state with insane property taxes

I live in the NY Metro area and the taxes are pretty crazy. I pay about $14k, but have family members paying $16.5k and even $22k in property taxes. I would move but I get paid very well for what I do, so I accept it. Overall, I'm well ahead on the deal. As soon as I retire though, we'll be in NH or...
by alpenglow
Thu Apr 12, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4704

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

(and I usually log in just to check monthly, it's actually quite simple), You don't even have to log in to check monthly, they have a decent tool for that :wink: https://www.treasurydirect.gov/indiv/tools/sbwsetup.exe That tool won't get updated anymore starting soon: https://www.treasurydirect.gov...
by alpenglow
Tue Apr 10, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 3164

Re: Are there any simple strategies that can help us squeeze better returns?

Instead of looking for the secret sauce to juice my returns, I simply spend less and save more. :moneybag
by alpenglow
Tue Apr 10, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Porting a Landline Phone Number to Wireless?
Replies: 7
Views: 573

Re: Porting a Landline Phone Number to Wireless?

+1

I did the same with my Mom from a landline to a cell phone across carriers. No problems.
by alpenglow
Tue Apr 10, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6516

Re: Structuring Newlywed Finances for Fairness and Less Arguments

RudyS wrote:
Tue Apr 10, 2018 10:36 am
alpenglow wrote:
Mon Apr 09, 2018 10:33 am
I haven't read the whole thread, but my advice would be to keep it simple. We've been married 10 years and we spend as needed from a common account. Done.
Same for us, except we have 53 years of our (one and only) happy marriage.
:beer
by alpenglow
Tue Apr 10, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15317

Re: Parents have zero savings. What can I do?

I can't believe how many people are saying to let them drown. Forget how this will impact your marriage - how can anyone do that in good conscience? This exactly. What kind of greed is going on on this forum? :shock: Did your parents not do everything they could to help you? Would they not do every...
by alpenglow
Mon Apr 09, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8995

Re: Regrets of the frugal and dying?

I'm in my 40's, but if I were on my deathbed, I would regret having not traveled more. Besides that, I'm frugal and want for nothing. My family isn't into stuff. As my boys get older, that travel piece will be fulfilled. By far, the most important part of my life is my family. No regrets there.
by alpenglow
Mon Apr 09, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6516

Re: Structuring Newlywed Finances for Fairness and Less Arguments

I haven't read the whole thread, but my advice would be to keep it simple. We've been married 10 years and we spend as needed from a common account. Done.
by alpenglow
Mon Apr 09, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15317

Re: Parents have zero savings. What can I do?

My in-laws are in a similarly poor financial situation. They complain about money but will not accept advice. My father-in law makes $175k/yr plus a company car. My mother-in-law is addicted to buying and has packages coming to the house daily. I think they are about $65-75k deep in credit card debt...
by alpenglow
Sun Apr 08, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

TomatoTomahto wrote:
Sun Apr 08, 2018 6:04 pm
alpenglow wrote:
Sun Apr 08, 2018 5:52 pm
If I may ask, what does you son do for a living?
To quote his girlfriend: “he goes to work in a T-shirt and does math all day.”
Sounds awesome!

My wife and I are both Ivy League educated (Dartmouth and Cornell). We think it was entirely worth it.
by alpenglow
Sun Apr 08, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

I’m a simple man. My son’s first year compensation plus what he’s earned the past two years doing internships equals the sum total cost of his 4 years as a full-pay Yale student (which, by the way, earned him a combined MS and BS). His second year after graduation will be better. ROI? Fuggedaboutit...
by alpenglow
Sat Apr 07, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15317

Re: Parents have zero savings. What can I do?

livesoft wrote:
Sat Apr 07, 2018 12:23 pm
You can tell them:

Not my monkeys, not my circus.

Or buy them the T-shirt.
This is why Bogleheads needs upvotes.
by alpenglow
Fri Apr 06, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 16155

Re: Swedroe: Look Beyond 60/40 Portfolio

greg24 wrote:
Fri Apr 06, 2018 4:36 pm
Larry should be ashamed of himself.

Expense ratios:

QSPRX 1.50%
QRPRX 1.33%
If these ER's offend you, just check out the Stone Ridge ER's. Your head will blow up.
by alpenglow
Sun Apr 01, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 11021

Re: “We’re not making enough money off you”

Badger1754 wrote:
Sun Apr 01, 2018 4:11 pm
with lots of “sechel” (Yiddish for “business sense”)
I love learning new Yiddish words. Thanks!
by alpenglow
Wed Mar 28, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 4118

Re: Cosign college loan for sibling?

I made the mistake of lending money to my brother once. I thought we had a solid relationship. Boy was I wrong. He totally balked when I started to ask for payments in accordance with our contract. I never, ever expected it. Don't co-sign a loan. I take the opposite view. If you make someone a loan...