Search found 8290 matches

by stan1
Tue May 26, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 33
Views: 2138

Re: Anyone screwed up timing the market?

I seem to be better at buying low than selling high.

I learned my lesson with QCOM stock 22 years ago.
by stan1
Tue May 26, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 17
Views: 497

Re: How is the Amazon Prime Rewards Visa Signature Card

It's a Chase card so its just like getting any other Chase credit card. I've had it since it first came out. 5% back at Amazon works well for us as we buy more there than we do at Costco, Walmart, or Target. I use it at Amazon/WF (5% back) and restaurants (3% back). My only customer service interact...
by stan1
Tue May 26, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 39
Views: 2337

Re: Worst House on the best block?

Be careful of pithy truisms. They are over-used on this site. House 1: 2 bedroom, 2 bath. 5 minute walk to grocery stores and restaurants and express train station but yard is run down and has olive green 1970s kitchen and baths and the basement is damp. #1 elementary school in city. Neighborhood is...
by stan1
Mon May 25, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 2970

Re: New Vehicle: Forester or Rav4 for boglehead couple

Make sure you both drive them. The designs on some of these vehicles create large blind spots at A, B, and C pillars. Depending on your driving position it may be an annoyance or a serious problem that jeopardizes your ability to drive the vehicle safely (lane changes or parking).
by stan1
Mon May 25, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4157

Re: Tips to stick to a weight loss diet?

How do folks deal with social influences? I have a teenager who loves to bake cookies and a wife who has bought into the sourdough bread baking craze. Yummy but not great for the tummy! :D Helps a lot if everyone is on the same page in the household. No different than if teen was into M&Ms and alwa...
by stan1
Mon May 25, 2020 9:33 am
Forum: Personal Investments
Topic: Portfolio review please
Replies: 3
Views: 410

Re: Portfolio review please

Since your pension/SS exceed expenses by $10K/year you are investing for your heirs so fine to put some equities into the Roth IRA account. Your children and grandchildren will thank you for that after you are gone. Sounds like you would not use dividends for yearly spending and those could be reinv...
by stan1
Mon May 25, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 26
Views: 1366

Re: Update current laptop or buy new one?

You'll get different opinions, but in my view an 8 year old laptop is end of life and I would buy a replacement that brings in new RAM, SSD, display, battery, video processor, power supply, etc. I would not put hundreds of dollars into an 8 year old computer.
by stan1
Mon May 25, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 24
Views: 3608

Re: Del Webb 55+ communities?

But more generally, how do those in these "over 55" communities plan for "what's next"? For most people, there *will* be "something next", be it skilled nursing, memory problems, or "only" extra/significant assistance needed? Not all of that extra assistance can always be provided in the home, even...
by stan1
Mon May 25, 2020 8:31 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 18
Views: 1173

Re: Portfolio Review

Below is pretty close if you want to use DFA for the entire 8% small cap value I would not worry about the difference between Total Stock Market and Index 500; they perform almost identically and are highly correlated. No need to add in extended market index. Personally I would drop REITs as a separ...
by stan1
Mon May 25, 2020 8:10 am
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 25
Views: 2552

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

But Vanguard also has many funds for which there is no ETF share class. Why is that, by the way? If ETFs are easier and cheaper for them to administer, why don't they add ETF share classes to all of their mutual funds? Actively managed ETFs have only been around for 1-2 years. I have not read anyth...
by stan1
Sun May 24, 2020 5:23 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 25
Views: 2552

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

But Vanguard also has many funds for which there is no ETF share class. Why is that, by the way? If ETFs are easier and cheaper for them to administer, why don't they add ETF share classes to all of their mutual funds? Actively managed ETFs have only been around for 1-2 years. I have not read anyth...
by stan1
Sun May 24, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 16
Views: 1291

Re: What phone to buy after iPhone 7 Plus

The notch is just not a big deal. It is a psychological block you can easily overcome. Once start using it you won't realize its there. You don't look at that part of the phone except to check the battery.
by stan1
Sun May 24, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 121
Views: 6578

Re: Investors: be aware of weakness in 2FA + strengthening

I use fake data but use a unique set of three random English words that do not relate to the question:

First girlfriend:
crunchy apple shower

Easier to read off when needed and I'm not seeing how random characters would improve security in this case.
by stan1
Sun May 24, 2020 1:42 pm
Forum: Personal Investments
Topic: Cash out small investment?
Replies: 3
Views: 262

Re: Cash out small investment?

Sure, at less than 1% of portfolio I'd vote to simplify.
by stan1
Sun May 24, 2020 1:37 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 18
Views: 1173

Re: Portfolio Review

One thing I would have done differently is pick different tax loss harvest partners. You may now be stuck with some awkward choices like Euro and Pac Index. US total market: VTI, SCHB, and ITOT (VTI and VV or VOO if you only want to use Vangaurd ETFs or equiv funds) International total market: VXUS ...
by stan1
Sun May 24, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Boat to people out of State
Replies: 17
Views: 959

Re: Selling Boat to people out of State

Potential buyer is coming up with his boat mechanic and wants to see boat.....assuming he likes it then do we just go to bank with his check and I make sure its real....my only fear is signing over the title and then the check does not clear. I am hopeful my bank can guarentee its real Since it sou...
by stan1
Sun May 24, 2020 12:58 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 25
Views: 2552

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

ETFs are cheaper for Vanguard to operate in part because retail customer buy/sells are logical ledger transactions inside computer systems. The ETF authorized participants who actually own the creation units do not need to go out and buy/sell every time a retail customer does a transaction. With a m...
by stan1
Sun May 24, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 121
Views: 6578

Re: Investors: be aware of weakness in 2FA + strengthening

Is there any data on how common this is? Most of the examples I've seen in the news are high profile crypto-currency holders. RIght, that's an important question, and if you are a high profile, targeted individual you're in trouble no matter what. If SIM swaps get locked down the bad guys will move...
by stan1
Sun May 24, 2020 12:27 pm
Forum: Personal Investments
Topic: Recommend a China-focused, risk-seeking fund
Replies: 18
Views: 920

Re: Recommend a China-focused, risk-seeking fund

It's Emerging Markets not just China but if I wanted EM Value/Yield I'd think about Meb Faber/Cambria's EYLD In reality most emerging market products are actually two China investments (most are around 50% two China and EYLD is too) He tries to avoid state owned enterprises. ER is 0.66% which could ...
by stan1
Sun May 24, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a video or voice conferencing system
Replies: 2
Views: 151

Re: Suggestions for a video or voice conferencing system

I think Google Meet is best option right now. Sounds like you can use non-G suite but everyone needs to sign into a Google account which may upset a few people. I prefer WebEx over Zoom for business meetings where mostly one person is talking at a time and there isn't a need to see many people. If y...
by stan1
Sun May 24, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Should we drop our Long Term Care Insurance?
Replies: 15
Views: 1176

Re: Should we drop our Long Term Care Insurance?

Short version: Have had LTC insurance for just less than one year, through employer. Monthly cost for myself (46) and wife (50) combined is increasing from $95/mo to $172/mo. More details: Plan is from UNUM, coverage for each of us is 3 year benefit duration with 90 day elimination period, $3,000 m...
by stan1
Sun May 24, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Will my son be eligible for unemployment in CA
Replies: 9
Views: 825

Re: Will my son be eligible for unemployment in CA

I can't think of a reason it would be to his benefit to resign instead of being laid off. Is the company offering him a generous severance package such as a year's salary plus health insurance if he resigns?
by stan1
Sun May 24, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2704

Re: Businesses that are permanently destroyed due to COVID?

Perhaps there will be some local chefs that operate out of neighborhood commissary kitchens and only support a takeout counter and delivery. Would lower cost structure quite a bit. Delivery apps were already trashing employee tips and any profit small business owners got out of these operations befo...
by stan1
Sat May 23, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 35
Views: 1971

Re: How often do you change passwords on your investment accounts?

NIST no longer recommends forced password rotations: https://pages.nist.gov/800-63-FAQ/#q-b05 Absolutely true, but with Vanguard I never want to be in a situation where a fraud investigator says "I see you haven't changed your password in five years". Therefore I change my Vanguard password about o...
by stan1
Sat May 23, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9141

Re: Personal spending out of control after Covid-19

How old are the kids? I have co-workers who are trying to juggle professional work duties with caring for multiple children under the age of 6. They are frazzled and burning the candle at both ends. I empathize as best I can but to be honest I don't have much to offer them in the way of suggestions ...
by stan1
Sat May 23, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3705

Re: Warning: Virginia State Inspection

Seems like an inspection shop that was flagging borderline items hoping to up-charge for repairs would have a lot of online complaints.
by stan1
Sat May 23, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Mattress for Side Sleepers
Replies: 8
Views: 536

Re: Mattress for Side Sleepers

17 years is great, why not get another latex mattress if you liked it for most of that time?
by stan1
Sat May 23, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4157

Re: Tips to stick to a weight loss diet?

It starts at the grocery store. Don't buy things that you don't want to eat. It helps if everyone in the house is on the same diet plan otherwise you'll end up eating "their" food. Also, make sure you have a quick and easy alternative to what you no longer want to eat. It is not cheap but I have pla...
by stan1
Sat May 23, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement vs. Resignation
Replies: 8
Views: 1014

Re: FERS Retirement vs. Resignation

I believe you are wrong with sick leave. It is added to years of service for fers retirement. I left before immediate retirement but qualify for a postponed retirement so I do get health insurance at 60. There are a lot of government jobs that have horrible management. And places I worked would be ...
by stan1
Fri May 22, 2020 8:53 pm
Forum: Personal Investments
Topic: Does larger portfolio make one more or less risk tolerant
Replies: 25
Views: 1947

Re: Does larger portfolio make one more or less risk tolerant

You get to choose.

You are able to take more risk and want to invest accordingly, or you can choose not to take much risk because you don't need to.

Or, put another way, you can decide to invest aggressively for your heirs (family or charity) or conservatively for yourself.
by stan1
Fri May 22, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 16
Views: 1092

Re: Thin, long lasting athletic socks?

There are a few Darn Tough Socks I like. For what you are describing, I would think the Crew Light would be right up your alley. I am a bit of a fanboy of Darn Tough. I ride hundreds/thousands of miles in them on my road/mtn bikes. I used to run in them (don't run anymore). They are guaranteed for ...
by stan1
Fri May 22, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 16
Views: 1092

Re: Thin, long lasting athletic socks?

I use Darn Tough wool blend socks. They have light cushion and I wear them in moderate to warm weather. I don't know whether they would be thin enough but at about $20/pair you can buy one and try it.
by stan1
Fri May 22, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement vs. Resignation
Replies: 8
Views: 1014

Re: FERS Retirement vs. Resignation

SteadyOne wrote:
Fri May 22, 2020 7:33 pm
You will lose federal health coverage in retirement. The cost of replacing it will be huge.
Correct, that one is already on the list. Has to be figured out for both pre-Medicare and post-Medicare.
by stan1
Fri May 22, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves During Deflation
Replies: 11
Views: 1176

Re: Yield Curves During Deflation

Right now is why we diversify.
There's no way to predict anything.
by stan1
Fri May 22, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement vs. Resignation
Replies: 8
Views: 1014

FERS Retirement vs. Resignation

Earlier this week a co-worker announced that he had resigned 2 years before he reached MRA to take an outside job. It got me thinking about what would lost in making the decision on whether to resign and then take a deferred pension in a few years or hold out until MRA to take an immediate pension. ...
by stan1
Fri May 22, 2020 6:22 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 87
Views: 6710

Re: Has anyone ever used their Emergency Fund?

We have not had job loss, but we have many times used cash or even funds in our taxable account to replace a heater or air conditioner unit that unexpectedly became unrepairable or to replace a car that unexpectedly became unreliable. Liquidity has allowed us to quit a job we didn't like, somewhat i...
by stan1
Fri May 22, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2362

Re: What to look for when buying a table saw?

At the end of the day, it isn't so much the tablesaw you buy but the jigs and accessories you make and use with the tablesaw that make your life easier and safer. Highlighting a very important point about the jigs and accessories to be safe and efficient (along with the space you need to set up jig...
by stan1
Tue May 19, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3420

Re: Sources for N95 masks

If I had to fly I would buy the seat next to mine to keep it empty and I'd bring enough extra disposable surgical masks with me that I could offer one to a nearby passenger who didn't have one and was willing to wear it. Those seem actionable. Does buying an extra seat with no one to check in for i...
by stan1
Tue May 19, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3420

Re: Sources for N95 masks

If I had to fly I would buy the seat next to mine to keep it empty and I'd bring enough extra disposable surgical masks with me that I could offer one to a nearby passenger who didn't have one and was willing to wear it. Those seem actionable. Does buying an extra seat with no one to check in for i...
by stan1
Tue May 19, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3420

Re: Sources for N95 masks

If I had to fly I would buy the seat next to mine to keep it empty and I'd bring enough extra disposable surgical masks with me that I could offer one to a nearby passenger who didn't have one and was willing to wear it. Those seem actionable.
by stan1
Mon May 18, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2935

Re: Choices of and precautions at hotels in this summer

If you really wanted to be cautious I suppose you could pay for the room for a few extra days before you arrive. Sort of like buying the middle seat next to you on an airplane so it won't be occuplied. I guess you still have to check in to keep your hotel rooms. Use online checkin from your phone. ...
by stan1
Mon May 18, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2935

Re: Choices of and precautions at hotels in this summer

If you really wanted to be cautious I suppose you could pay for the room for a few extra days before you arrive. Sort of like buying the middle seat next to you on an airplane so it won't be occuplied.
by stan1
Sun May 17, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Getting the sizing right for online clothing purchases
Replies: 6
Views: 530

Re: Getting the sizing right for online clothing purchases

Did you look at the sizing tables on the Suitsupply website? A men's size 32 is quite small (labeled on Suitsupply website as an XXS). There are a number of Suitsupply stores in the US, some are likely reopening now and maybe there is one near him? Personally for something like this I would spend th...
by stan1
Sun May 17, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3973

Re: Dual citizen, USA passport expiring, how to travel internationally

As per the USA State Department website, because he was under 18 when the last USA passport was issued, he cannot renew by mail. However, he can submit the paperwork, fees, & photos to a Passport Acceptance Facility. There are several near him. Do this right away (like tomorrow). Cross fingers and ...
by stan1
Sun May 17, 2020 10:12 am
Forum: Personal Investments
Topic: Approximating Total US Stock Market with S&P 500 + Extended Market?
Replies: 16
Views: 703

Re: Approximating Total US Stock Market with S&P 500 + Extended Market?

Because there has been about an 0.87 correlation between the S&P 500 and the extended market, the relative proportions don't fluctuate and hardly matter at all. So 80/20 is good enough. Here's the difference between the Vanguard S&P 500 fund, VFINX (blue), and the Vanguard Total Stock Market Index ...
by stan1
Sun May 17, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1241

Re: Cancel for any reason - travel insurance

Read the contract very carefully.

I'd expect "cancel for any reason" contracts are subtly different today than they were a year ago.

Also make sure that you are covered for reimbursement if the airline or tour company will give you a voucher but won't give you a refund.
by stan1
Sun May 17, 2020 9:48 am
Forum: Personal Investments
Topic: Approximating Total US Stock Market with S&P 500 + Extended Market?
Replies: 16
Views: 703

Re: Approximating Total US Stock Market with S&P 500 + Extended Market?

Many of us are of the mindset that S&P 500 and Total US Market are likely to perform very similarly and would not feel the need to add Extended Market.
by stan1
Sun May 17, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Appreciating the magnitude of Sequence of Returns immediately after retirement
Replies: 115
Views: 5841

Re: Appreciating the magnitude of Sequence of Returns immediately after retirement

Maybe start off retirement with something like 60/40, with part of the 40% being 2 years worth emergency fund of cash? In any case, you shouldn't consider cash as separate from your AA, or that would be mental accounting. Mental accounting may be perfectly fine if it helps stay the course. If an in...
by stan1
Sun May 17, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Appreciating the magnitude of Sequence of Returns immediately after retirement
Replies: 115
Views: 5841

Re: Appreciating the magnitude of Sequence of Returns immediately after retirement

2. Building up large cash reserve limits need for withdrawals during bad markets. What??!? Are you saying that you don't withdraw cash during bad markets? I can only imagine with this view there is a cash bucket that is not considered to be part of the portfolio. If you put that cash position back ...
by stan1
Sat May 16, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8556

Re: Vanguard Mutual Fund Platform EOL

Agreed. At some point if the high net worth customers leave Vanguard will not the impact their business? Or "our" business? No, they have plenty of assets under management in ETFs at other brokerages, managed by advisors, and institutions. Those people don't call Vanguard on the phone to chat about...