Search found 230 matches

by windaar
Fri Feb 07, 2020 10:02 pm
Forum: Personal Investments
Topic: Gut Check on Asset Allocation
Replies: 6
Views: 561

Re: Gut Check on Asset Allocation

It is not scientific or perfect but it works for me: Age in Bonds/Fixed, and some intl and Real estate mixed into the Equities side. Rebalance once in a while, maybe in your birthday month. Sleeping soundly at night.
by windaar
Fri Dec 27, 2019 11:20 pm
Forum: Investing - Theory, News & General
Topic: Are we getting spoiled by the long bull market?
Replies: 108
Views: 8971

Re: Are we getting spoiled by the long bull market?

1. Determine risk tolerances.
2. Craft Asset Allocations.
(I always liked JB's "Age in Bonds.")
3. Rebalance periodically. Birthday month is good.
4. Do this no matter what the market is doing.
5. If you want to time and predict, book a flight to Vegas instead.
6. Live your life!
by windaar
Sun Dec 22, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amazing market, how to protect the gains?
Replies: 60
Views: 6872

Re: Amazing market, how to protect the gains?

For a quite a while now I've kept it simple and slept at night with my age in fixed (Which for me is TIAA Traditional) and the rest in a pre-determined allocation mix of equities: domestic index, intl index, and Real Estate, in my case TREA. For my kids' college 529 I have been more protective and l...
by windaar
Mon Nov 11, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Kohl's credit card refuse to refund undelivered order
Replies: 27
Views: 1315

Re: Kohl's credit card refuse to refund undelivered order

I learned something from reading this - one more reason to not have a store/gas station card. They have no interest in disputing charges and will drag their feet, unlike a regular bank card that doesn't have a pony in the race!
by windaar
Mon Oct 21, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4536

Re: Old bourbon whisky

Unlike some wines, once whisky is out of the barrel and bottled, it ceases to age/improve. But it can remain stable for a long time. Some variables such as oxygen, heat, and light can cause it to degrade.
by windaar
Mon Oct 21, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 6169

Re: Living life post smart phone

I got a flip-phone and a cheap plan from T-Mobile. Most of the time it is in my car's console. When I'm in a waiting room, I look at the old magazines. When waiting for someone downtown I people watch. I don't need the expense, surveillance, and constant temptation in my pocket. Just my choice and 2...
by windaar
Fri Oct 11, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 6457

Re: Replace water heater just because it's old?

We replaced a 13 year old water heater this summer. I didn't want a water emergency. We could schedule the plumber at our convenience and choose the model. Our bathwater looks a lot cleaner. The showers are hotter. There was a lot of sediment, it was hard to drain. Of course we could have flushed an...
by windaar
Tue Oct 08, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 5462

Re: Would or should you tip AAA road assistance?

If I can give a bartender a buck for handing me a beer, I can give a ten-spot to someone who has literally saved me when I'm stranded!
by windaar
Wed Oct 02, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Classic car (~70s convertible)
Replies: 19
Views: 2070

Re: Classic car (~70s convertible)

I had a late 70s convertible for 10 years until a while back. I sold it for the same price I bought it for. If you buy a classic for the right price and take care of it it will keep its value or increase. It didn't always start. Once it died for no reason while driving down the boulevard. I had a go...
by windaar
Mon Sep 30, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 3353

Ants immune to Terro or just lots of ants?

I learned about Terro on Bogleheads and it has been a godsend, the only thing that has worked on carpenter ant and sugar ant invasions. And keeping me from avoiding exterminator scams who want to put me on the monthly "plan." But this summer I have dealt with ants in one small part of our house, by ...
by windaar
Wed Sep 25, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Teaching as a second career with no prior formal training in teaching
Replies: 24
Views: 1660

Re: Teaching as a second career with no prior formal training in teaching

Most Private/Independent High Schools do not require state certification. I know someone who worked for a large chemical company who quit and became a Prep School chemistry teacher with no additional training or certification.
by windaar
Wed Sep 25, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1262

Re: Moving from Canada -> USA tax implications

Keep in mind as well the advantage of paying 6% sales tax on most things that you buy in Michigan as opposed to the 13% HST/GST in Ontario.
by windaar
Sun Sep 22, 2019 6:57 pm
Forum: Personal Investments
Topic: Should I prefer TIAA Traditional to VBTLX
Replies: 22
Views: 1821

Re: Should I prefer TIAA Traditional to VBTLX

All of my fixed allocation in my 401(a) and 403(b) is in TRAD. I like the constant tax free growth at a pretty good rate, and that it never loses money. In 2008 my TRAD not only did not go down, it made money every day. Maybe just psychological but that helped me sleep at night.
by windaar
Wed Sep 18, 2019 10:50 pm
Forum: Personal Investments
Topic: Recession strategy in a non-boggleheads fashion
Replies: 20
Views: 3075

Re: Recession strategy in a non-boggleheads fashion

I won't be political but the "upcoming recession" is a political narrative. Do your own research to see why news outlets may be advancing this narrative. No one can predict such a thing. That is market timing, which is impossible. Be confident with your allocations and risk tolerances. That is all y...
by windaar
Fri Sep 13, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Are there services that can find difficult to find items for sale?
Replies: 2
Views: 460

Are there services that can find difficult to find items for sale?

Kind of a strange question, I know. I am trying to find a certain vintage playground piece that is probably worth less than $1000 but is heavy and NEVER listed anywhere, eBay, Craigslist, etc. I am very willing to pay someone to find one for me. Does such a service exist? Thanks in advance!
by windaar
Wed Aug 14, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 3371

Re: Skunks keep coming in our yard!

Now am in the process of ordering a cage and will end up having to euthanize them once caught. How will you deal with a skunk in a trap without being sprayed? How will you "euthanize" without cruelty? Even though these are varmints there are legal (and ethical) issues, and I know someone who found ...
by windaar
Wed Aug 14, 2019 6:46 pm
Forum: Personal Investments
Topic: TIAA Retirement Planning
Replies: 13
Views: 924

Re: TIAA Retirement Planning

I use TIAA Traditional for all of my fixed allocation, and some TREA (Real Estate) as part of my equities side. Those are both unique and worthwhile products that only TIAA offers.
by windaar
Mon Aug 12, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance Caveats?
Replies: 19
Views: 1176

Re: Travel Insurance Caveats?

Are you concerned about trip cancellation, health costs incurred while traveling, etc., or all of the above? Concerned about that much money so far in the future. What if a kid is sick? If a close relative dies 2 days before? If there is a terror threat and airport is closed or flights suspended? e...
by windaar
Mon Aug 12, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance Caveats?
Replies: 19
Views: 1176

Travel Insurance Caveats?

We are planning a trip abroad NEXT June so a long way off. The place we want to rent fills up so have to book now. Cost for rental and airfare for family tops 10K. They recommend travel insurance, and specifically Travelex. I see that they are highly rated on Forbes. My Dad had a bad experience with...
by windaar
Thu Jun 13, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4491

Re: Which shaving cream / oil?

Cremo creams are the slickest I’ve found for a smooth close nick-free shave. They are designed to be brushless but I still enjoy applying them with a brush, face-lathering. Several awesome scents, and available everywhere. I’m converted for life!
by windaar
Fri May 24, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3929

Re: How much to tip food delivery driver

We give the pizza guy $5.
by windaar
Wed May 22, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs from an inherited-inherited IRA...is Fidelity wrong?
Replies: 18
Views: 2824

Re: RMDs from an inherited-inherited IRA...is Fidelity wrong?

I went through this a little more than 10 years ago. I inherited retirement accounts from my mother who had inherited them from my father. TIAA-CREF said one thing, my lawyer said another, my CPA another. IRS pubs were quoted but were never crystal clear about my situation. TIAA-CREF changed its min...
by windaar
Fri Mar 08, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 4361

Re: Garbage Disposal: So many choices out there. How do you decide which one?

We replaced ours last year; our trusted plumber told us to pick up a Badger 100 at Home Depot for $99 which he installed for us. Does just what you’d expect and need. Good luck!
by windaar
Sat Feb 23, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Have you read "The Theory of the Leisure Class"? If so, what effect did it have on you?
Replies: 4
Views: 1212

Re: Have you read "The Theory of the Leisure Class"? If so, what effect did it have on you?

A recent book “The Sum of Small Things: A Theory of the Aspirational Class” by Elizabeth Currid-Halkett argues convincingly that Veblen’s theories have been inverted in more recent times, for example that the aspirational Class now favors the “inconspicuous consumption” status of less physically vis...
by windaar
Wed Feb 13, 2019 9:52 am
Forum: Personal Investments
Topic: Bank Needs my Annual income for a Money Market Account?
Replies: 10
Views: 1557

Re: Bank Needs my Annual income for a Money Market Account?

sport wrote:
Tue Feb 12, 2019 12:46 pm
I would use the Vanguard Money Market Prime fund. Its current yield is 2.47%. There are no restrictions on withdrawals.
Excellent advice! I will do just that.
by windaar
Tue Feb 12, 2019 12:35 pm
Forum: Personal Investments
Topic: Bank Needs my Annual income for a Money Market Account?
Replies: 10
Views: 1557

Bank Needs my Annual income for a Money Market Account?

I have cash parked in a Capital One savings account earning 1%. I got a come on for their money market account which earns 2%. When trying to create an online account the application won't move forward because I left blank my occupation and annual income. Is that really info needed for a MM account?...
by windaar
Sat Feb 09, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Amazon third-party item received damaged. No recourse?
Replies: 9
Views: 1291

Re: Amazon third-party item received damaged. No recourse?

Thank you; problem was solved through Chat right away.
by windaar
Sat Feb 09, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Amazon third-party item received damaged. No recourse?
Replies: 9
Views: 1291

Amazon third-party item received damaged. No recourse?

I received a poorly-packaged item from an Amazon third party vendor that had been completely damaged. I contacted the company, with info provided by Amazon, and a photo of the damaged item. They are not writing back. When looking into Amazon's "A to Z Guarantee," I am being asked to click a "problem...
by windaar
Sat Feb 02, 2019 6:36 am
Forum: Personal Investments
Topic: Am I supposed to keep dumping any excess money in an index fund and thats it?
Replies: 39
Views: 4598

Re: Am I supposed to keep dumping any excess money in an index fund and thats it?

Some of my excess goes into a designated car fund so that every 10 years or so when I get a new car I can pay cash and avoid car payments.
by windaar
Mon Jan 28, 2019 9:31 am
Forum: Personal Investments
Topic: College 529 Plan - Change from Moderate to Conservative?
Replies: 16
Views: 1007

Re: College 529 Plan - Change from Moderate to Conservative?

It looks like your 529 plan is overfunded Thanks for the responses! Please explain why my plan is overfunded; maybe I'm missing something. I just looked up a potential college at random (Kenyon in Ohio) and they report the average annual fees for the 2018-19 school year to be $68,440. That x 4 is 2...
by windaar
Mon Jan 28, 2019 7:41 am
Forum: Personal Investments
Topic: College 529 Plan - Change from Moderate to Conservative?
Replies: 16
Views: 1007

College 529 Plan - Change from Moderate to Conservative?

I am somewhat concerned about the close horizon of college funds. With a 12 year old, we're talking about 6 year horizon and a 4 year payout. I have a TIAA 529 for my child invested in the age-based "moderate" plan, which at their age is invested as follows: Equities: 45% REA: 4% Bonds: 40% Inflatio...
by windaar
Sun Jan 13, 2019 2:39 pm
Forum: Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 5089

Re: I know market timing is a fool's game but...

I am happy with my allocations and continue to rebalance with new contributions. None of us can even begin to know what is going to happen next year or even tomorrow. That's how I sleep well at night.
by windaar
Tue Jan 08, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2459

Re: How did store know what exact coupons to mail me?

Thank you all again for an interesting discussion. To answer a few of the above questions, I have never given this store my address in any way and I do not carry a smart phone. This must be a data mining thing, and certainly a third party since this store doesn't have its act together enough to even...
by windaar
Mon Jan 07, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2459

Re: How did store know what exact coupons to mail me?

Thanks for the responses! But I think the store knows what you bought with a credit card and who the credit card belongs to. Still don't see how they got my address; my name is not uncommon in the metro area I live in. Based on your name and zipcode it's easy to find your address and they already kn...
by windaar
Mon Jan 07, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2459

How did store know what exact coupons to mail me?

I have no customer or affinity card at this grocery store and have never given them my address. I do pay with the same credit card. Yesterday I got in the mail a fistful of coupons of exactly what I bought last month at the store. Did they figure this out by tying the purchases to my CC and then loo...
by windaar
Thu Dec 06, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 23007

Re: Best values at Costco? Honestly, a little disappointed...

Our family found that going to Target and using the 5%-off red card was best for us. No more waiting in line forever, no more buying more product than we need just to “save,” no more pushing a weighted down cart a mile into the parking lot and having to carry all of that stuff in the house where the...
by windaar
Sun Nov 25, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Best LED lights for Kitchen Cabinets?
Replies: 5
Views: 968

Re: Best LED lights for Kitchen Cabinets?

Thank you for the responses. These are lights in puck fixtures in cabinets with glass fronts as well as multi-light under-counter fixtures.
by windaar
Sat Nov 24, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Best LED lights for Kitchen Cabinets?
Replies: 5
Views: 968

Best LED lights for Kitchen Cabinets?

I replaced my G4 and G8 halogen bulbs with LEDs this year and am not really happy. Rated at 3000K they are supposed to be "warm" but they cast a cold green/white light instead of the yellow/orange of the halogen. They were all supposed to be "flicker free" but some do sometimes flicker. I'm hoping I...
by windaar
Fri Aug 17, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 26264

The Fall of Consumer Reports

For my Dad CU was the gold standard. And for much of my adult life it was for me too. It has been sad to see its slow decline which has mystified me, given the rep it had. A few years ago I was sent these cheesy "raffle tickets" from them that I had to opt-out of. Then they suddenly switched their v...
by windaar
Sat Jul 28, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 6720

Re: Regret Public School?

I am familiar with quite a few independent schools. Though they can vary significantly in many aspects, two constants are smaller class size than publics and faculty who get their Master’s degrees in their subject rather than in education. The independent schools in our area also have much greater r...
by windaar
Fri Jul 27, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 229
Views: 15809

Re: Toughest Purchase of my Life. Engagement Ring time

Smart buddy gave me good advice when I bought 15 years ago: “ a good ring will cost at least 6K, and get at least a full carat.” I did my homework to learn about grading, and bought on Blue Nile with a GIA report. In a world of constantly shifting cultural sands, it was a meaningful traditional stat...
by windaar
Mon Apr 23, 2018 6:11 pm
Forum: US Chapters
Topic: Too much Bogleheads.org?
Replies: 96
Views: 24371

Re: Too much Bogleheads.org?

I check in once in a while. But, “stay the course” and “set and forget” gives a liberation from checking the DOJ and even BH on a regular basis. Figure out your risk tolerance and asset allocations, and then go fishing!
by windaar
Mon Apr 23, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 5692

Re: Need to cut the cable cord - is there an alternative?

We did this a while ago. Put an antenna in the attic for broadcast stations; there are a ton more than I realized since broadcast went digital. We found that a ROKU and Sling TV for $20/mo to be great with all of the cable channels we like most. Since we're already Amazon Prime customers we can watc...
by windaar
Sat Apr 07, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 19920

Re: Ivy school education. Is it worth it?

Elite schools do not cause success, they are sorting mechanisms that admit kids who will be successful going anywhere. Research has proven this. Google Krueger and Berg Dale for the studies. An ambitious, curious, and hard-working student can get just as far by going to State U as to Yale. Where did...
by windaar
Wed Mar 28, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 356
Views: 37485

Re: Anyone Deleting Facebook?

Having those friend and family contacts is very useful to me, as well as some family history private groups. But a while ago I deleted all of my old posts and personal info, and I have stopped all posts and “likes,” also went deep into preferences, turned off the app “platform” and turned all app an...
by windaar
Sun Jan 14, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 4351

Re: How long do you save tax returns?

Forever. There is info pertaining to purchase, inheritance, Roth, etc. why shred a few pages that might have valuable info?
by windaar
Sun Jan 14, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159619

Re: What frugal thing did you do today?

I picked up a dime.
by windaar
Sun Jan 14, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 4847

Re: Are land line phones still being supported?

Ours are totally supported, and the lines are not at all obsolete since that’s where our Dsl comes from.
by windaar
Sat Sep 16, 2017 7:36 pm
Forum: Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1619

Re: Is this TIAA TRAD 3% or 2.5%?

Thanks! I understand the restrictions in my 401(a). There are no such restrictions in my 403(b).
by windaar
Sat Sep 16, 2017 5:53 pm
Forum: Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1619

Is this TIAA TRAD 3% or 2.5%?

My TIAA plan at work is changing somewhat and we have a new menu of investment options. In the 403(b) it says the following about the guaranteed rate: "The minimum guaranteed rate during the accumulation phase for TIAA Traditional under this contract type is 3% for all premiums remitted since 1979 a...