Search found 1258 matches

by vitaflo
Sun May 24, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2738

Re: Amazon Prime delayed shipping

Yep, this is the smoking gun. Amazon, for whatever reason, definitely plays favorites amongst its customers. I live in an apartment building, and my neighbor and I did a similar comparison of delivery of items to the same address. The times were not the same. It sounds noble to advocate for patienc...
by vitaflo
Tue May 19, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6441

Re: Discarding Music CDs

If you want true lossless (FLAC or ALAC) you'll probably need to rip them yourself, as the major music vendors (iTunes Store, Amazon Music) sell compressed versions (MP3, AAC). That said, the likelihood that you'll be able to tell the difference in quality is minimal at best. Streaming services are ...
by vitaflo
Fri May 15, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15485

Re: Ben Felix - How to Retire Early (The 4% Rule)

Will, if a person needs a 1.5% withdraw rate then there is nothing to worry about at a portfolio of 95/5 cash correct ? The worry in that situation wouldn't be running out of money. The potential concern would be the regret in having kept working at a job you didn't love in order to accumulate at l...
by vitaflo
Mon May 11, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4101

Re: What age do you use for retirement end date?

90, but I highly doubt I’ll live that long so I question why I use it.
by vitaflo
Mon May 11, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3672

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

Recently was on a call w/ the Executive VP of the F500 company I'm contracting at. He said the productivity of the company was higher than management expected (actually higher than it was when we were all in the office) and that our specific dept (IT) would not be coming back into the office until t...
by vitaflo
Mon May 11, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: New convertible under 50k?
Replies: 39
Views: 2428

Re: New convertible under 50k?

Miata 100%. Personally I don’t think there’s any competition in this price range. Actually, it’s one of the most fun cars to drive in any price range.

The only downside is that it’s quite small, but that’s what makes it fun.
by vitaflo
Fri May 08, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Problems with Xfinity Internet drops
Replies: 28
Views: 1634

Re: Problems with Xfinity Internet drops

What model of modem? Certain ones powered an Intel chipset have had severe problems -- Broadcom based units are fine. Yeah a lot of the Arris modems come with the Intel chip, which is why I stayed away from them and bought a Motorola. That said one thing to keep in mind is that cable internet is te...
by vitaflo
Fri May 08, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5104

Re: Where do you back up your important data?

I always have 3 copies of my data: - One on my various computers. - One on my backup network drive. - One offsite at my in-laws. All copies are encrypted (in case they're stolen). Local computers are backed up to network drive every hour. Offsite backup is swapped every time I go to my in-laws (abou...
by vitaflo
Fri May 08, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: "The economy is in free fall. So why isn't the stock market?"
Replies: 153
Views: 15631

Re: "The economy is in free fall. So why isn't the stock market?"

Only because it cannot be repeated enough - the stock market is not the economy. To put this in more practical terms - the people and companies being hurt thus far by the shutdown are disproportionately not participants in the stock market. They are small, privately owned businesses and their emplo...
by vitaflo
Fri May 08, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9752

Re: How Do Early Retirees Pay for Medical

Looks like about $1000/month. Wow! Pull out your most recent 2019 W-2 Form and look at Box 12, Code DD. Come back here and tell us what you number you have. That's the total cost of the employer plan you are trying to replace. You might be surprised. Note that an employer plan is typically lower co...
by vitaflo
Fri May 08, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10392

Re: A bond rule of thumb better than "age in bonds"

The model I've used for the past decade or so basically goes like this: - Decide how much you need to retire on, lets say $2 million (your "number"). - Decide a min and max bond percentage, lets say 10% min, 40% max. That's 10% bonds after your first dollar, 40% bonds when you hit your number. - De...
by vitaflo
Thu May 07, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10392

Re: A bond rule of thumb better than "age in bonds"

An even better rule of thumb is not to use age at all. Age is just a proxy for portfolio size, specifically how much you have in your portfolio vs what you need in your portfolio to retire on. So just use that instead. The math is more complicated, but it means your glide path will reach your desir...
by vitaflo
Thu May 07, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10392

Re: A bond rule of thumb better than "age in bonds"

An even better rule of thumb is not to use age at all. Age is just a proxy for portfolio size, specifically how much you have in your portfolio vs what you need in your portfolio to retire on. So just use that instead. The math is more complicated, but it means your glide path will reach your desir...
by vitaflo
Thu May 07, 2020 11:00 am
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10392

Re: A bond rule of thumb better than "age in bonds"

An even better rule of thumb is not to use age at all. Age is just a proxy for portfolio size, specifically how much you have in your portfolio vs what you need in your portfolio to retire on. So just use that instead. The math is more complicated, but it means your glide path will reach your desire...
by vitaflo
Wed May 06, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4425

Re: 2020 travel plans

We are expecting most things to be shut down (or limited to the point of annoyance) until next spring. So no travel for us for at least a year.

Which also means we probably won't take any vacation time away from work for a year. We'll bank it and spend the time if/when this blows over some day.
by vitaflo
Tue May 05, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3109

Re: Moving from High taxed state to no income tax state

I feel like it pays to make a spreadsheet for this kind of thing (at least that's what I did). Figure out several places you'd like to move to and figure out the sales tax, income tax, property tax, etc of each place. Include local sales taxes (they can sometimes be much higher than the state taxes)...
by vitaflo
Mon May 04, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: [Use basement air to cool 2nd floor?]
Replies: 18
Views: 1180

Re: [Use basement air to cool 2nd floor?]

We have the HVAC fan set to run for 15 mins every 2 hours. This just cycles the air in the house, so some hot upstairs air can move to the basement and some cool basement air can move upstairs. Basically it evens the temps in the entire house. Plus no worries about air displacement moving air only o...
by vitaflo
Wed Apr 29, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe
Replies: 162
Views: 10122

Re: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe

He thinks that a “3% rule” is more realistic than a 4% rule in today’s environment. This seems a little silly when a TIPS ladder should get you 3.3%. Yes but the problems is that you have now given up all the upside (i.e. 4% SWR or having money in year 31). That might not be a trade off you want to...
by vitaflo
Wed Apr 29, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe
Replies: 162
Views: 10122

Re: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe

Stinky wrote:
Wed Apr 29, 2020 9:07 am
He thinks that a “3% rule” is more realistic than a 4% rule in today’s environment.
This seems a little silly when a TIPS ladder should get you 3.3%.
by vitaflo
Mon Apr 27, 2020 10:41 am
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 19857

Re: Why am I even saving for retirement?

Everyone warning me SS benefits will be cut are missing the point. If it’s cut it’s cut. I’ll save some more to make up for the gap or cut my expenses. Now, does that possibility require me to continue delaying gratificatio n and continue socking away >$100k/yr for two more decades? I think not. Wh...
by vitaflo
Mon Apr 20, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 231
Views: 32496

Re: Car Dealers not really wanting to make a deal

Dealerships don't make money off the car sale anymore, margins are very thin. They make their money off add-ons and their shop, as well as on financing. These aren't the old days anymore. Dealerships know people hate haggling and so they've turned to other avenues for income than the sale price. If ...
by vitaflo
Fri Apr 17, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: 50 Years of Investing in the World
Replies: 45
Views: 4808

Re: 50 Years of Investing in the World

Doesn’t S&P500 companies get just over 50% of their total revenues (I remember seeing the exact figure somewhere, but cannot recall) from outside of the US? So, that should provide a significant exposure already. Perhaps what you will not be exposed to as much is non-US management, organizational s...
by vitaflo
Thu Apr 16, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: Retirees: what are you doing with all the home equity?
Replies: 117
Views: 7433

Re: Retirees: what are you doing with all the home equity?

adamthesmythe wrote:
Wed Apr 15, 2020 2:40 pm
tennisplyr wrote:
Wed Apr 15, 2020 2:37 pm
I'm 70, retired 9 years and living in a mortgage free home. Things are going fine, just wanted to see if maybe I'm missing something.
You're missing the monthly mortgage payments.
I wouldn't say I'm missing it... :sharebeer
by vitaflo
Fri Apr 10, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 92
Views: 6075

Re: How long after starting investing, did you start to be happy about the power of compounding?

When my investment gains for the year were larger than my income. That did take about 20 years.
by vitaflo
Fri Apr 10, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8002

Re: We are in a full-blown Depression

Talk to someone that lived through the great depression. If you have to read an article to know if you're in a full blown depression, you aren't. Good luck finding that person. My first memory was age 6. 2020-1932 = 88+6 = 94 (minimum - really needs to be older). It should be very easy to find some...
by vitaflo
Fri Apr 10, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8002

Re: We are in a full-blown Depression

As there is nothing fundamentally wrong with the economy, I'll just stick with the plan, adding funds and rebalancing as necessary. Remove the threat of death from a new virus (or reduce it to an "acceptable" level like what is currently accepted with influenza or drug overdoses or motor vehicle ac...
by vitaflo
Thu Apr 09, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in career - what did you do to "unstuck" yourself?
Replies: 41
Views: 3685

Re: Feeling stuck in career - what did you do to "unstuck" yourself?

<r><QUOTE author="gbaby07" post_id="5171265" time="1586407951" user_id="48862"><s>[quote=gbaby07 post_id=5171265 time=1586407951 user_id=48862]</s> Acknowledging this isn't helpful - I look at my friends who have had success as entrepreneurs and investors, and I feel as though I missed the boat, tha...
by vitaflo
Sun Apr 05, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 freelancers: would you cut your rate at a client's request?
Replies: 26
Views: 1449

Re: 1099 freelancers: would you cut your rate at a client's request?

I’ve been contracting for over a decade and have been asked many times to cut my rate. I never have. This includes during the Great Recession. Agree with other posters that if you cut your rate you won’t be able to increase it later. Just doesn’t happen. Reduce hours before reducing rate. You have t...
by vitaflo
Sun Apr 05, 2020 2:10 pm
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9398

Re: Any high bracket investors dumping munis?

I dumped VMLUX a few weeks ago when I noticed it was down like 2% one day. It's my emergency fund and it made me realize that in the current landscape that muni's probably weren't the place I wanted to keep my EF. I moved it over into MM. I got out before it really tanked and now it's about back to ...
by vitaflo
Fri Mar 27, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Ticks/Lyme/Prevention?
Replies: 19
Views: 972

Re: Ticks/Lyme/Prevention?

Treat your clothes with Permethrin. It lasts on clothes 6 weeks or 6 washes. Do not use it on your skin though. It works very very well, basically kills ticks on contact. To reduce the number of ticks around your cabin, make some tick tubes. Basically toilet paper tubes filled with cotton balls or d...
by vitaflo
Wed Mar 25, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63138

Re: So bottom is probably behind us....right?

I'm guessing the market has already priced in the fact that many many more will get sick, that there will be higher unemployment and that some companies (perhaps mainly smaller ones) will close up shop. I say this because it seems that this is the general consensus, so certainly it wouldn't be unexp...
by vitaflo
Mon Mar 23, 2020 11:19 am
Forum: Personal Investments
Topic: Anyone else increasing their equity allocation?
Replies: 28
Views: 2951

Re: Anyone else increasing their equity allocation?

My AA automatically increases equity allocation as my portfolio size goes down (and vice versa when it goes up). So yes, with the market moving down, my AA has slowly increased equity allocation. This is all in my IPS and uses a formula to calculate AA based on portfolio size, so it's not me changin...
by vitaflo
Mon Mar 23, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18431

Re: Munis getting slaughtered!

VMLUX is performing much worse than I expected. Thinking of taking the loss and switching to VUSXX. It my house downpayment with flexible timeline money :annoyed I made the switch earlier last week. VMLUX has been my EF for many years, but with everything going on and MM's giving much higher yields...
by vitaflo
Mon Mar 23, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18431

Re: Munis getting slaughtered!

VMLUX is performing much worse than I expected. Thinking of taking the loss and switching to VUSXX. It my house downpayment with flexible timeline money :annoyed I made the switch earlier last week. VMLUX has been my EF for many years, but with everything going on and MM's giving much higher yields...
by vitaflo
Fri Mar 20, 2020 11:00 am
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6249

Re: When will S&P 500 go back to 3386 ?

The housing recession took about 5 1/2 years to regain its peak.

The dot-com bust took 7 years (and was immediately followed by the housing recession).

I suppose how long you think it will take to get back to its prior peak depends on how bad you consider this one to be compared to the prior two.
by vitaflo
Thu Mar 19, 2020 3:52 pm
Forum: Personal Investments
Topic: When are you rebalancing?
Replies: 76
Views: 4579

Re: When are you rebalancing?

Whenever my spreadsheet sends me an email telling me to. Current trigger is 5% allocation drift.
by vitaflo
Thu Mar 19, 2020 11:18 am
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 244
Views: 22817

Re: Unprepared for Potential Great Depression Part 2

I keep pointing to the roaring 20s. I mean I accept that history doesn't repeat in exactly the same way. But if you look at the years prior to the 1920s, we had the first world war (1914-1918), and the flu pandemic (1918) that was one of the deadliest epidemics in human history. It completely dwarf...
by vitaflo
Mon Mar 16, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22370

Re: International is in meltdown

stocknoob4111 wrote:
Thu Mar 12, 2020 11:25 am
VXUS (Vanguard Total International ETF - corresponds to MUTF: VTIAX) is almost down a staggering -12% today, that puts International down 35% from the peak in Jan 2018 :shock:
I sold a very large sum of VXUS in Jan 2018 in order to pay off my house. In hindsight I was very lucky.
by vitaflo
Mon Mar 16, 2020 8:42 am
Forum: Non-US Investing
Topic: Market Valuations for Dynamic AA
Replies: 8
Views: 259

Re: Market Valuations for Dynamic AA

This isn't a good idea. But here ya go: https://www.multpl.com/shiller-pe
by vitaflo
Wed Mar 11, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Where do you turn? [What to do with excess cash flow?]
Replies: 23
Views: 2135

Re: Where do you turn?

Re: mortgage payoff - i thought it wasnt advised to "tie up cash in the walls of your house". It's only not advisable if you don't have an emergency fund or need cash flow. Once you have that (and you do) it makes no sense not to pay off the house. You have to do it eventually. As others said, it's...
by vitaflo
Tue Mar 10, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633385

Re: U.S. stocks in free fall

Just got the email that I hit my rebalancing bands. Rebalanced as per my spreadsheet. First time it was ever triggered. That was easy. What do you use for the email trigger - Vanguard portfolio watch? What service are you using that sends you emails to rebalance? I'm not OP... but I use Google shee...
by vitaflo
Tue Mar 10, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: Why 5% Rebalancing Bands Are Wrong
Replies: 65
Views: 4991

Re: Why 5% Rebalancing Bands Are Wrong

Many moons ago I read an article that backtested rebalancing bands. The TLDR was that the band that resulted in the biggest benefit was 3.5%. However, this assumed new investment was always put towards whatever assets drifted under your AA and that dividends were also places there as well (not reinv...
by vitaflo
Tue Mar 10, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633385

Re: U.S. stocks in free fall

Just got the email that I hit my rebalancing bands. Rebalanced as per my spreadsheet. First time it was ever triggered. That was easy.

Back to work I go.
by vitaflo
Mon Mar 09, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1280

Re: mountain bike purchase

I would agree with the others and highly recommend you demo a bike before you buy it. That means finding some local bike shops. Should be easy to find bike shops that carry major brands like Trek or Specialized. In that vein the Trek Roscoe and the Specialized Fuse should fit the bill. Hardtails tha...
by vitaflo
Mon Mar 09, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633385

Re: U.S. stocks in free fall

I'm not trading individual stocks, but just watching and I see Royal Caribbean Cruise Line is down 19.8% right now. If that hits 20% does that stock halt trading for the rest of the day? Individual stocks have different circuit breakers. They are -10% for SP500 socks, -20% for stocks >=$1, and -50%...
by vitaflo
Sun Mar 08, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: S&P500 Futures halted tonight (3/8)
Replies: 233
Views: 16557

Re: S&P500 Futures halted tonight (3/8)

Is there a limit to how much an index like VTI or VXUS can go down in a day? Do they have 'circuit breakers' for indexes? A fall of 20% on the s&p 500 will close US equity trading for the day. Several foreign markets have similar trading halt triggers in place, which would limit how much VXUS can r...
by vitaflo
Sun Mar 01, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: CPA or tax prep fees
Replies: 12
Views: 561

Re: CPA or tax prep fees

$450, which includes three Sched. C's and all the forms that go with that. It's my favorite check to write every year because it saves me so much time.
by vitaflo
Thu Feb 27, 2020 10:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633385

Re: U.S. stocks in free fall

minimalistmarc wrote:
Wed Feb 26, 2020 5:13 pm
The Bogleheads forum is surprisingly emotional at the moment apart from the old handful of diehards.
There's a reason this forum is at diehards.org.
by vitaflo
Tue Feb 11, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: Does International investment still make sense?
Replies: 312
Views: 15780

Re: Does International investment still make sense?

What do you consider a rally? International is up 23% over the past 2 years. you may want to double check that... In PV I am getting a real CAGR of -4.16% on VTIAX (Vanguard Total International) from Feb 2018-Jan 2020 (past 24 months), that's inclusive of dividends!!! Sorry I meant one year. Was lo...
by vitaflo
Tue Feb 11, 2020 12:36 pm
Forum: Investing - Theory, News & General
Topic: Does International investment still make sense?
Replies: 312
Views: 15780

Re: Does International investment still make sense?

But shouldn’t we wait for the rally to begin in foreign first than time the bottom? What do you consider a rally? International is up 23% over the past 2 years. Less than US, but the only reason people consider that "bad" was because the US went up more. Remember we're talking about the difference ...