Search found 850 matches

by Cody
Wed Jul 18, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2569

Re: Would you pay $120 for a 5 year dishwasher warranty?

Also I used the theory of never buying a warranty. So if you buy 3 items that could be warrantied for a total of $300 for the extend warranties put that money in a saving account marked "repairs." The dryer fails in 2 years go to the account to pay for the repair. Replace that money in the account. ...
by Cody
Wed Jul 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2569

Re: Would you pay $120 for a 5 year dishwasher warranty?

Is it really a 5 year extended warranty or really a 4 years extended warranty (one year normal warranty everyone gets and 4 additional years).

Cody
by Cody
Sun Jul 15, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3242

Re: Like Lifestrategy Funds but???

Speaking of the 3 fund portfolio (to compare returns). It would seem, and my research might be a bit faulty but, the 10 year returns for LS 40 are 5.97% and a 40-60 3FP (3 fund portfolio) has a return of 6.39. Does that surprise anyone? Does anyone have better data for comparison? Disclaimer: past p...
by Cody
Sat Jul 14, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3242

Re: Like Lifestrategy Funds but???

I have indeed done rebalancing over the years. My wife, however, probably would be tempted to get an advisor to help. She is aware of that expense but might feel like she does not want to go it alone if I should pass on. With only retirement money in tax deferred and Roths (again no real taxable mon...
by Cody
Fri Jul 13, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1109

Re: 2011 Honda was with 6 differential flushes?

What page in the manual says when to do what? I can't seem to find that (as listed in the index). You'd think "maintenance" but I don't see it. Its early morning I guess.

Thanks much,
Cody
by Cody
Fri Jul 13, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1109

Re: 2011 Honda was with 6 differential flushes?

It was changed at:
76k
59k
43k
30k
18k

I don't know if it was towed vehicle.

Hum?
Cody
by Cody
Thu Jul 12, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1109

2011 Honda was with 6 differential flushes?

My daughter bought 2011 Honda CRV that has great service records (all done by Honda shops). It currently has 82k miles. And All Wheel Drive. But I see that the differential fluid has been flushed/changed 6 times. Did the Honda Service shops just take advantage of the previous owner or am I missing s...
by Cody
Thu Jul 12, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3242

Re: Like Lifestrategy Funds but???

I'm look at LS Moderate (40 equity/ 60 bonds).

I beleive LS40 has 18% international bonds. That would mean 42% Total Bond fund.

Isn't 18% quite a bit. That said I realize International bond and domestic bond have lots of crossover.

Cody
by Cody
Thu Jul 12, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3242

Like Lifestrategy Funds but???

I am "almost certainly" moving toward the purchase of LS in all retirement account (all in tax deferred and Roths - no taxable). As I weed through the decision so many forum folks have help me, one be one, clarify and thoughts I have on them. So one of my last questions has to do with Vanguard Total...
by Cody
Tue Jul 10, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2842

Re: Rodents ate my car, and my insurance is ripping me off!

Love the OP title.

One big mouse!

Good Luck

Cody
by Cody
Tue Jul 10, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3502

Re: Do you count pension contributions as a portion of your overall retirement contributions.

That is correct CyclingDuo. That is exactly what I am asking/thinking. The logically fallacy (in my thinking) is this: If one counts contributions to a pension as a part of your total contribution to retirement, then you should also count your contribution to Social Securtiy as contribution. So as a...
by Cody
Mon Jul 09, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

One of the best ways to save $ is to keep a little notebook in your glove compartment. As your car moves up in age repair and oil places with say that you need a new XXX. You can check the little book, say "nope" did that last year or at a minumum you now have a choice to let them do the work or do ...
by Cody
Thu Jul 05, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3502

Do you count pension contributions as a portion of your overall retirement contributions.

I've seen this question somewhere on the forum but can't dig it up. When contributing to a pension should you include that amount as part of your overall contribution amount? If so what part of the breakdown below? If you contribute 5% to a pension and your workplace contributes 5% and you contribut...
by Cody
Sun Jul 01, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from IRA
Replies: 18
Views: 1456

Re: Required minimum distributions from IRA

JW-Retired

Wrote: Vanguard asks what percentages I want to withhold for Fed & State tax.

My experience is that VG will not take state tax out. Is this true for some states and not others?

Thanks,
Cody
by Cody
Thu Jun 21, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3396

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

While looking at sample IPS's online I see many are long (5+ pages). My belieif is something that long will not get read and sit in a drawer forever. Or should the be that long to make it valuable. We are actually looking for sample IPS's for my adult daughter to use as a template. Where to look for...
by Cody
Thu Jun 21, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate me? and appreciated advice taken
Replies: 9
Views: 1040

Re: Evaluate me? and appreciated advice taken

You could start with an IPS (Investment Policy Statement.) This statement provides the general investment goals and objectives and describes the strategies that the you will employ to meet these objectives. Specific information on matters such as asset allocation, risk tolerance and liquidity requir...
by Cody
Sun Jun 17, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: What are the new CapitalOne ACH limits
Replies: 1
Views: 495

What are the new CapitalOne ACH limits

Got an email that said: Starting August 1, 2018, you’ll have new ACH external transfer limits.

But nowhere can I find the new limits.

Help if you can.

Best,
Cody
by Cody
Sat Jun 16, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5296

Re: A vehicle that "sits up" but can't afford CRV

I asked he what the price point is and she said with trade tops is about $10,000. So with a trade of $2000 (old CRV) she could get a vehicle around 10-11K after taxes etc. She is looking at 2016 Ford Escape with hail damage at around $9000. Like the feel but not sure of a clear title at this point. ...
by Cody
Sat Jun 16, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1324

Re: Cash question

Does using some Roth space make any sense? If I go LS40 in all accounts I'd have LS40 in Roths and a little bit of cash there.
No taxes, accessible. But not terribly efficient.
Thoughts on using Roth for cash?
Cody
by Cody
Sat Jun 16, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1324

Re: Cash question

I assume then it could go as capital gains (I'm in the 12% tax bracket so no cost there after a year).

But I'm trying to simply to LifeStrategy in all funds accross the board (except cash) and wonder if iShares Short-Term National Muni Bond ETF (SUB) isn't as simple as I may want it.

Cody
by Cody
Sat Jun 16, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1324

Cash question

As I approach retirement (offically anyway) I'm trying to decide where to put 4-5% of my portfolio in cash. You know for my emergency fund for things that might pop up like medical expenses (hopefully not for some time but who knows). Three options: 1. Tax deferred - but then you can't get at it in ...
by Cody
Fri Jun 15, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5296

Re: A vehicle that "sits up" but can afford CRV

Thank you for taking the time to respond.

If there are more ideas I love to hear them.

Thanks,
Cody
by Cody
Fri Jun 15, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5296

A vehicle that "sits up" but can't afford CRV

My daughter is looking to replace an old CRV. She loves the car but can not afford the initial price point to get a lower milage one.

Plus she is only 5 feet tall and wants a vehicle that "sits up" high like a CRV.

Any suggestions of a cheaper than a CRV but still sits up nicely.

Thanks,
Cody
by Cody
Thu Jun 14, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3577

Re: Light Camping Trailer

Most vehicles can pull a camper but the real question is "can your vehicle stop it". That is what we have been told by countless camper people.
Cody
by Cody
Sat Jun 09, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2256

Re: Penfed CD @ 3% - 5 year

Could you give me a quick primer on the process of getting a brokered CD at VG? I know about the not so good idea to early withdraw a brokered CD but is the process complicated?

Thanks,
Cody
by Cody
Sat Jun 09, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1263

Re: ignorant question about fixed rate home equity loans

It depends on two things in my option: 1) is it worth the time and effort to go through the process. I got a loan from Penfed and it was lots of stress - mainly becasue they did not keep us informed about which step we were actually in. I was not happy. It saved up maybe .75%. Was it worth it? I wou...
by Cody
Fri Jun 08, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 66
Views: 9285

Re: The Psychology of Money - A Blog Post

That is one great article. Thanks.

Cody
by Cody
Fri Jun 08, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2256

Re: Penfed CD @ 3% - 5 year

I just checked the short term bond index and the 5 year returns were .83%.

Was the Penfed 3% CD of 5 years ago (which we had) the clear winner then with 3% returns.

Not say it will be in the future but in the past......

OP
Cody
by Cody
Thu Jun 07, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2256

Penfed CD @ 3% - 5 year

Is it reasonable to use this CD as a tax deferred storage of cash if you have not specific libility matching (other than the RMD possiblity - cashing in the CD early to pay RMD of market conditions warrant it). But there is not specific libility that I am anticipating for which this money is "schedu...
by Cody
Wed Jun 06, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: F.O.B.O.: Fear of Better Options (NYTimes)
Replies: 4
Views: 1144

Re: F.O.B.O.: Fear of Better Options (NYTimes)

I too tend to work things to death.

"Don't let the quest for the perfect portfolio get in the way of a good one" or something like that (Taylor L?)

Best,
Cody
by Cody
Wed Jun 06, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: F.O.B.O.: Fear of Better Options (NYTimes)
Replies: 4
Views: 1144

F.O.B.O.: Fear of Better Options (NYTimes)

This is an interest (although a bit strendy) article about the eternal quests for better options. https://www.nytimes.com/2018/06/04/smarter-living/how-to-finally-just-make-a-decision.html?emc=edit_nn_20180606&nl=morning-briefing&nlid=8072200920180606&te=1 (Tim Herrera) FOBO, the article states, is ...
by Cody
Mon Jun 04, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Help?
Replies: 16
Views: 1207

Re: Help?

I would suggest, based on your previous asset allocation, that you conside a 40% (stocks) - 60% (bonds) Balanced Fund (either Target Date funds or Lifestrategy moderate growth.) 60-40 maybe more risk than you have been used to. And the transfer to Vanguard is pretty easy. Just call, tell them what y...
by Cody
Sun Jun 03, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: The Difference Between Risk and Uncertainty
Replies: 44
Views: 3864

Re: The Difference Between Risk and Uncertainty

If i have one dice - I pick a number - there is a 1/6 chance of getting my number and a 5/6 chance of not getting my number. I know the risk. But if I have a thousand dice - I pick a number - I know the risk. (even though I don't like the odds). So is that a known risk (even though the outcome of su...
by Cody
Wed Apr 25, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3635

Re: How to be a good executor to family

Are there things that the deceased could have done or done better to help out in this process.

Cody
by Cody
Fri Apr 20, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Does this seem an unusually high stock AA for a pension fund?
Replies: 3
Views: 290

Does this seem an unusually high stock AA for a pension fund?

Stocks - 58%
Private market - 20%
Bonds (fixed income) - 20%
Cash - 2%

Does this sound reasonable and "right" for a pension fund AA? (Minnesota Teachers Retirement).

The above are the goal numbers. Actually numbers may very slightly.

Thanks,
Cody
by Cody
Mon Apr 16, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: USBank, unbeknownst to me, blocked my account [How did you fix a frozen bank account?]
Replies: 2
Views: 525

Re: USBank, unbeknownst to me, blocked my account [How did you fix a frozen bank account?]

You are right. Some payments via ACH had been paid this month already and they are fine (even for next months payment). But there were 3 ACH (at Capital One) that were missed but I can simply "manually" do those 3. Medica is doing it manually after a call to them this morning. And and next months au...
by Cody
Sat Apr 14, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: USBank, unbeknownst to me, blocked my account [How did you fix a frozen bank account?]
Replies: 2
Views: 525

USBank, unbeknownst to me, blocked my account [How did you fix a frozen bank account?]

Indeed! After several hours on the phone with the fraud division at USB and a visit to a local branch of USB they have now unblocked the account. It was their fault that account was frozen. So now I have to pick up the pieces, which means work for me (lots of paper work and forms to reconnect ACH's,...
by Cody
Tue Apr 10, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 6477

Re: Bill Bernstein, new podcast

VicotriaF: I had a friend who wrote a book. While handing it out he said "I do not want to be told about any mistakes". He said asked "would you rather have a book with mistakes in it or no book at all." People make mistakes. And, I for one, would rather have that than no mistakes at all. And the on...
by Cody
Tue Apr 10, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15922

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

My guess is they are already taking SS? Right?
Cody
by Cody
Tue Apr 03, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Primerica - a formative experience on the way to being a Boglehead
Replies: 8
Views: 2203

Re: Primerica - a formative experience on the way to being a Boglehead

How typical is this story. Is it common practice at many corporations or just a few?

Thanks for the story.

Cody
by Cody
Sat Mar 31, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3355

Re: Explain one more time how balance funds work

My explaining is subpar for sure - which leads to confusion by the reader. It shows I too am confused. Let say you have two portfolios - 1. A Balanced Fund (BF) of 60-40 and 2. A 3 Fund Portfolio (3FP) of 60-40 which is currently at exactly 60-40 (no rebalncing needed) RMD comes along and you must t...
by Cody
Fri Mar 30, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3355

Re: Explain one more time how balance funds work

cody, does the issue with balanced funds you are trying to explain pertain to withdrawals when stocks are down, and with a balanced fund you must also withdraw from equity whereas with individual funds you would not withdraw equity? Paul That is correct Paul. In a down equitiy market (with a BF) yo...
by Cody
Thu Mar 29, 2018 9:20 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 20127

Re: A lot of heavy hitters this morning

On my lunchtime walk yesterday, I found a dime in the parking lot. When I got home, I showed my wife and told her all about it. It's why we'll be able to retire with 50X spending. :D I had read somewhere that more backs are thrown out pick up coins than any other cause of back issues. So, speaking ...
by Cody
Thu Mar 29, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3355

Re: Explain one more time how balance funds work

OP here. I'm not sure if those who currently have a balanced fund of some sort have concluded anything about "rebalancing" their own portfolio vs letting the the fund itself do it. But is it safe to assume that on "average balance" funds at Vanguard (Target, Lifestyle, etc) generally do as well as i...
by Cody
Wed Mar 28, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 143
Views: 23766

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

Reviving this 2015 post. So this is 2018. And the discussion is still germaine. Would like more 2018 thoughts if you like. Then I tried to find what a Single Premium Annuity would cost today at age 80 with say $200,000 if portfolio money to invest. But got to many offers to buy. Could someone tell m...
by Cody
Tue Mar 27, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3355

Re: Explain one more time how balance funds work

I am beginning to make sense of this (I think). I have almost no taxable funds (sold them some time back to pay for a Social Security delay until I'm 70 (next year). Also used some of it to pay taxes on large Roth conversions over the last several years. My general conclusion is that balanced funds ...
by Cody
Tue Mar 27, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3355

Re: Explain one more time how balance funds work

I may not be making myself clear.

Say bonds hold at 0% return and equity drops by 25%.

Normally at RMD you would probably sell bonds.

With balanced funds you have not choice which to sell (which may be part of the beauty of a BF but not as efficient).

Is it a big deal?

Cody
by Cody
Tue Mar 27, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3355

Explain one more time how balance funds work

Suppose you have a balanced fund of some sort with a 60% stock and a 40% bond allocation. And either the stock or bond market drops fairly significantly. Normally you would sell you better performing holding (I know some argue this is not necessarily best). But with this balanced fund you are "force...
by Cody
Mon Mar 19, 2018 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Antonio Local Chapter Established
Replies: 41
Views: 5893

Re: San Antonio Local Chapter Established

Congrats on this project from someone who belongs to the Minnesota Chapter. (MNBH) One of the really cool things that has happened here is that we have two additional "coffee" groups that meet as well. They are adjuncts to the big group. The main group meets 4 times a year and the coffe groups (much...