Search found 747 matches

by bradshaw1965
Sat Dec 14, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Which iPad would you buy today?
Replies: 40
Views: 2391

Re: Which iPad would you buy today?

I decided to go for a Pro with Apple Pencil for digital illustration and painting. I find it amazing that it outperforms a desktop with amazing tactile feel. I hate the word gamechanger but it's a whole new paradigm for this kind of creation for me. The hardware is expensive but the software is gett...
by bradshaw1965
Fri Oct 11, 2019 9:37 am
Forum: Personal Investments
Topic: Allan Roth and Bill Bernstein fixed income portfolio?
Replies: 51
Views: 6417

Re: Allan Roth and Bill Bernstein fixed income portfolio?

I don't have exact quotes so there may be nuance, but they are both fixed income is for safety. Treasuries, CD's, etc are best bets.
by bradshaw1965
Wed Sep 04, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4107

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

With some effort, you can choose your own "area" in youtube TV. That will show you all games showing in say Philadelphia. It will also change all local channels which may be annoying to you. Sunday ticket is cheaper if its for a student. Do you have one in your household? Circumvention of local are...
by bradshaw1965
Wed Sep 04, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4107

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

With some effort, you can choose your own "area" in youtube TV. That will show you all games showing in say Philadelphia. It will also change all local channels which may be annoying to you. Sunday ticket is cheaper if its for a student. Do you have one in your household? Circumvention of local are...
by bradshaw1965
Tue Sep 03, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4107

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

This is probably your best bet for all of the nuances. https://www.reddit.com/r/cordcutters/wiki/nflguide Sunday Ticket is Sundays only, you'll need a basic streaming package from the likes of Sling, Vue, YoutubeTv for Mondays, NFL Game Pass is useful but is not live in the US, the games are availab...
by bradshaw1965
Thu Aug 29, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16784

Re: What is your plan for the last few years of a long life?

Sandtrap wrote:
Wed Aug 28, 2019 9:02 am

At some certain point, cognitive decline will take hold and there may be some relief from worry and stress? :shock:
j
In my personal experience cognitive decline leads to increased anxiety and stress for the person experiencing it.
by bradshaw1965
Fri Aug 23, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: RE-OPENED for Good LightRoom Equivs: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 19
Views: 1443

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

For Mac creative apps I'd look at Indy apps but they aren't FOSS and have lower costs without subscription. Affinity suite (Designer = Illustrator, Photo= Photoshop, Publisher = InDesign), Sketch is great for UX, Acorn and Pixelmator are Mac friendly image editors, FCPX/Motion Apple's video, motion ...
by bradshaw1965
Fri Aug 16, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12575
Views: 2177488

Re: U.S. stocks in free fall

Since 1950 *, 65 year olds in the first-world have been gaining roughly 1 year of life expectancy per decade. Since 65 year olds' current life expectancy is about 19 years, it will take about 260 years at that same rate before their life expectancy reaches 110. And this assumes that there isn't a '...
by bradshaw1965
Mon Aug 12, 2019 5:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12575
Views: 2177488

Re: U.S. stocks in free fall

Heh, you're the first 6-year old I've seen on this site. Nice! Meh. I think he thinks that by the time we get that old, the average human will live to 110+. Since 1950 *, 65 year olds in the first-world have been gaining roughly 1 year of life expectancy per decade. Since 65 year olds' current life...
by bradshaw1965
Mon Aug 12, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12575
Views: 2177488

Re: U.S. stocks in free fall

My horizon is at least 50 years and probably 90 for the funds I hope to pass on. Heh, you're the first 6-year old I've seen on this site. Nice! Meh. I think he thinks that by the time we get that old, the average human will live to 110+. Since 1950 *, 65 year olds in the first-world have been gaini...
by bradshaw1965
Fri Jul 26, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 988

Re: Audible audio books

FI4LIFE wrote:
Fri Jul 26, 2019 3:06 pm
Switch to Android
Vendors are pushing side-loading, etc. to avoid the "Google Play Tax" as well.Big tech is big tech.
by bradshaw1965
Wed Jul 24, 2019 8:18 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 20142

Re: Laid Off - Want to Retire / Am I OK

aristotelian wrote:
Wed Jul 24, 2019 3:49 pm
You are probably in the top 1% of net worth on the planet. You will be fine.
Being completely pedantic...but the worldwide 1% is a paltry $871,320.

https://www.cnbc.com/2018/11/01/how-muc ... dwide.html
by bradshaw1965
Thu Jul 11, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 5336

Re: Retiring Early Correlates with Greater Longevity ?

The rich live longer. To retire early Boglehead style you need to be rich.

https://www.nytimes.com/interactive/201 ... death.html
by bradshaw1965
Mon Jul 08, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 31400

Re: Americans believe they need $1.7 million, on average, to retire

Doesn't sound that unreasonable for an upper-middle class retirement but I think I'm more concerned about getting my head around the psychological changes of the decumulation stage and the need for self-directed fulfillment then I am about the exact number.
by bradshaw1965
Tue Jun 25, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 17
Views: 2295

Re: Thank you, Honda - repair story

If your car decisions are primarily based on maintenance and reliability then Toyota is the right choice. I like Honda a lot but they don't compare in that category. I think they compare more closely to Toyota on reliability than any other brand... They're often mentioned in the same breath. That's...
by bradshaw1965
Mon Jun 24, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7093

Re: Single cup coffee/espresso options, 2019

It's a bigger initial investment, but a super automatic will likely come out ahead of a Nespresso in terms of cost. OP would have to be willing to pay about $600 initially, but ~20 cents a cup vs ~$1.00 cup will save him/her about $200 a year. Or even more if he drinks more coffee or doesn't mind c...
by bradshaw1965
Mon Jun 24, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 17
Views: 2295

Re: Thank you, Honda - repair story

My wife's 2016 Civic, now with 35,900 miles and purchased 3 years and 5 months ago, recently began not producing cold air when the air conditioner was turned on. We took it to the dealer where they diagnosed it as a bad A/C compressor, requiring a repair of $1,100+. The dealer worked with corporate...
by bradshaw1965
Sun Jun 23, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7093

Re: Single cup coffee/espresso options, 2019

It's a bigger initial investment, but a super automatic will likely come out ahead of a Nespresso in terms of cost. OP would have to be willing to pay about $600 initially, but ~20 cents a cup vs ~$1.00 cup will save him/her about $200 a year. Or even more if he drinks more coffee or doesn't mind c...
by bradshaw1965
Tue Jun 11, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 7948

Re: Downsides of VPW?

Makes sense. I'm definitely not embracing the idea of significant life extension. I am however thinking the probability of reaching the upper edges of what we think of as old and probably frail or with significant cognitive decline are pretty high. It depends on what you believe "pretty high" to be...
by bradshaw1965
Tue Jun 11, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 7948

Re: Downsides of VPW?

Yes, I'd much prefer spending 28k at 75 and 80k at 95 than having nothing left to spend at, say, age 85. And zero to spend at age 86, 87, 88, 89, .... You don't have zero to spend. You have your Social Security + SPIA. It's not even that bad. First, the idea that retirees will blindly spend their p...
by bradshaw1965
Tue Jun 11, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 7948

Re: Downsides of VPW?

Yes, I'd much prefer spending 28k at 75 and 80k at 95 than having nothing left to spend at, say, age 85. And zero to spend at age 86, 87, 88, 89, .... You don't have zero to spend. You have your Social Security + SPIA. It's not even that bad. First, the idea that retirees will blindly spend their p...
by bradshaw1965
Wed Jun 05, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: 1080p HD Streaming Minimum Requirements
Replies: 7
Views: 486

Re: 1080p HD Streaming Minimum Requirements

As noted above dedicated GPU and hardware decoding are more important. That's how you get $8 SOC sticks that can eat up 1080p all day long.

I've never had any problems with Roku, wonder if you're either having intermittent bandwidth problems or defective hardware.
by bradshaw1965
Mon May 13, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 2145

Re: Asset Allocation in 60s

You are right that a lot of people have soured on the idea of "age in bonds", likely due to the low bond yields of the last ten years. I don't think Mr. Bogle ever backed far away from it, though. Not sure, there was definitely some conversation from Mr. Bogle about taking Social Security into acco...
by bradshaw1965
Tue May 07, 2019 12:26 pm
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 4706

Re: Voya financial - WHY WOULD ANYONE USE THEM?

My company uses Voya and has access to a nice array of Vanguard funds but has a 1% wrap fee for administration. I've dealt with this before and the only way out is to lobby your HR or administrators. Fidelity has a decent small business fund with $100 administrative costs that will pay itself in 6 m...
by bradshaw1965
Sun May 05, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12889

Re: Rarely used items that are worth having?

Printed copies of vital documents including IDs, birth certificates, etc. $200-$500 in cash, small bills (mostly $5 and $10, you wont be able to make change in an emergency) Atlas & local area maps (physical not digital) 2 weeks water stored (at least 1 gallon per person per day) hand operated wate...
by bradshaw1965
Sun May 05, 2019 11:04 am
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6994

Re: Boglehead investing through a major downturn

2008 and 2009 were miserable no other way to put it, but invest you must and the Boglehead way is the winning combo for mostly 401k investors.
by bradshaw1965
Fri Apr 26, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does Money Buy Happiness?
Replies: 37
Views: 2513

Re: Larry Swedroe: Does Money Buy Happiness?

IMO, the closer to financial independence the less stress money imposes; Less stress generally equates to more happiness I agree in principle, but I had a weird psychological response as I closed in on financial independence that I don't think was healthy. I became too focused on crossing that thre...
by bradshaw1965
Fri Mar 29, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 17261

Re: How often do you check your net worth?

I aim for once a year but end up peeking checking budget and personal finance stuff. Thinking about removing my investment account info from my day to day spending websites because of this.
by bradshaw1965
Mon Mar 18, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Sirius
Replies: 16
Views: 1450

Re: Sirius

I pay $5 a month for Sirius streaming only after doing the cancel/call dance each year. Set a calendar reminder and call, takes about 15 minutes if it ever doesn't work I'll just go ahead and cancel. The streaming only works for me both in the car and at home, the app is slightly clunky but I didn't...
by bradshaw1965
Sat Mar 16, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Sling or Philo?
Replies: 3
Views: 694

Re: Sling or Philo?

http://reddit.com/r/cordcutters has a lot of discussion about particular OTT tv packages.
by bradshaw1965
Sat Mar 02, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7847

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

I will say I'm glad Steven Hawking stuck around, disability and all, and I believe he made enormous contributions to his field. So there is that. Broken Man 1999 Just to be clear I am a disability rights supporter and think long-term adaptability to significant disabilities is quite likely. I'm spe...
by bradshaw1965
Sat Mar 02, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7847

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

...a really poor outcome long term disability makes the quality of life choice not worthwhile for me or my spouse. I don't understand what you mean. I aim for compressed morbidity. We've both discussed what quality of life is a minimum standard and below that we've also discussed alternatives to wh...
by bradshaw1965
Sat Mar 02, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7847

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

...a really poor outcome long term disability makes the quality of life choice not worthwhile for me or my spouse. I don't understand what you mean. I aim for compressed morbidity. We've both discussed what quality of life is a minimum standard and below that we've also discussed alternatives to wh...
by bradshaw1965
Thu Feb 28, 2019 8:48 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7847

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

I’m not worried about cheating death, so SPIAs figure heavily in my plans. It always seems to be the health care bogeyman in high outlier savings scenarios, either a health breakthrough that really changes the game on longevity or extremely long term disability care. I don't think either is a huge ...
by bradshaw1965
Thu Feb 28, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?
Replies: 17
Views: 960

Re: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?

Avoid companies charging a percentage of assets instead of a simple administration fee. Flat-rate fees are good for those with large balances and bad for those with small ones. The Fidelity self-serve 401k administrative fee is $100 a year, 1/2 a year 401k max to break even at a typical 1% insuranc...
by bradshaw1965
Fri Dec 28, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1848

Re: Economy car vs Luxury - confirmation of a good decision

3. I have an M2. I wonder what people who claim that all BMW's are the same as Camry's or whatever and you're just 'paying for the badge' would say about the very different personality of that car v our 328i. They look fairly alike, the M2 is a little smaller, but a quite different car. Or maybe th...
by bradshaw1965
Sat Dec 22, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12575
Views: 2177488

Re: Stayed the course during a downturn?

I would think you can accurately say that you stayed the course throughout the downturn only once the downturn is over. Andy. Agree. That capitulation phase of a nasty bear market is where the risk profile is really assessed. Things seem much too orderly at the moment even as we approach a bear mar...
by bradshaw1965
Fri Dec 21, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10824

Re: When did the musicians on the titanic realize their fate?

The average time to return to even after a drawdown of this size is 4 months. Too much drama around drawdowns. They are a normal part of the process.
by bradshaw1965
Sun Dec 16, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5983

Re: How much do you pay for internet only?

$70 for 300MB symmetrical fiber AT&T flavor. Worth it for two work at home knowledge workers.
by bradshaw1965
Thu Dec 13, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 18
Views: 2657

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Thanks Rick. Always enjoy your work on the podcast and Christine is a great guest.
by bradshaw1965
Tue Dec 11, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 24451

Re: What percentage of your net worth is your home equity?

I have a friend who also includes his automobiles in his net worth. Wut?? At some point, you have to stop including every single thing you own in your net worth. A house is something you live in, you raise offspring in, you form lifetime memories in...which is the reason I never include it in my ne...
by bradshaw1965
Tue Dec 11, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1924

Re: Possibly dumb question about streaming services

I don't believe any carry a national news feed from networks. Try an amplified hdtv antenna. I pick up every local station including PBS on mine, crystal clear. Its my backup plan when ISP is down. Wired my antenna into old cable splitter. Antenna signal available through out the house. I was hopin...
by bradshaw1965
Thu Dec 06, 2018 9:51 am
Forum: Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5629

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

My VERY strong gut feeling is that the stock market has no where to go but down from here. Over the next 12 mos I see market dropping to as low as 19,000 once capitulation is complete. If this does indeed happen then I may sell my CDs (even at a loss) and gradually buy back in. Otherwise I will jus...
by bradshaw1965
Thu Nov 29, 2018 2:53 pm
Forum: Personal Investments
Topic: Company sponsored 401k $80/yr fee
Replies: 7
Views: 695

Re: Company sponsored 401k $80/yr fee

A small fixed fee is great. A lot of small companies end up with "no admin fee" 401k's administered by insurance companies grabbing high percentages of assets with absolutely no value added.
by bradshaw1965
Tue Nov 27, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3423

Re: Dual Monitor Set up

I find the Dell Ultra HD 4k Monitor P2715Q 27-Inch Screen the sweet spot for my aging eyes. The extra sharp text allows me to get through a long day of programming and production.
by bradshaw1965
Sun Nov 04, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 9230

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

Agreed. I think people conflate FIRE with stoppage of work. In my case, by the math, I am financially independent, so I have reduced work to a level that provides me with the balance I feel suits my life at this time. Less work is in my future. To each his/her own. My concern is with those "experts...
by bradshaw1965
Sat Nov 03, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 9230

Re: WSJ FIRE

A quote from the article say is all for me: Brandon Ganch, 36, who retired from his job as a software engineer in 2016, said his frugality became an obsession and he stressed over small purchases by his wife. He often got upset when visitors took long hot showers at his former Vermont home or his w...
by bradshaw1965
Wed Oct 31, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 12525

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

I've lived in Atlanta for most of my career with a relatively LCOL but because it is a regional hub the wages have been pretty robust. If you find ways to deal with the traffic, Atlanta is pretty livable.
by bradshaw1965
Tue Oct 23, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 111754

Re: How much money do you want to retire?

A couple years ago my wife told me that she could retire if we had $5M in investments. :oops: She told me yesterday that we could retire if we win the Powerball drawing ($1Billion) tomorrow. So I guess that's something. :beer poor mmcmonster, his wife will never retire... [...]I would like to retir...