Search found 279 matches

by yakers
Sun Aug 26, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can't handle being in debt (mentally)
Replies: 34
Views: 3603

Re: Can't handle being in debt (mentally)

The payment plan is a good one. If all elase fails there is nothing wrong with being debt free. Friend is still young enough to rebuild savings. Hate to lose Roth savingings but not blowing the money so let it go. Suggest a Roth when funds become avialable.
by yakers
Wed Mar 28, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Replacing A 2006 Jeep Liberty CRD?
Replies: 6
Views: 548

Re: Replacing A 2006 Jeep Liberty CRD?

Thanks for the ideas. I will look at the Subaru. While I don't want a third row seat it shouldn't matter if the seats lay flat. IMy sister has a new Forrester and I didn't like the way it handled and drove on the road but other Subies have been OK in my experience. I would prefer not to have a turbo...
by yakers
Tue Mar 27, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 9180

Re: How old were you when you started spending your “principal”?

retired 10 years ago and wife 12 years ago, portfolio is 2X what we retired with, not inflation adjusted. Pensions and dividends cover more than our expenses.
by yakers
Tue Mar 27, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Replacing A 2006 Jeep Liberty CRD?
Replies: 6
Views: 548

Replacing A 2006 Jeep Liberty CRD?

We have a 2006 Jeep Liberty CRD which is nearing the end of its useful life. We love this kind of vehicle, previously we had a Cherokee 4X4. This Liberty has a diesel engine, can tow 5,000+ lib (our trailer is only 2,900 lbs), can go 500+ miles on a tank of fuel and is really good off road with 3 sk...
by yakers
Mon Feb 12, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Passive Investing Best For A 'rigged Market'? [insider trading]
Replies: 13
Views: 1415

Passive Investing Best For A 'rigged Market'? [insider trading]

A recent article in The Economist magazine had an article reporting on recent papers studying insider trading which concluded that 'the well connected really do fare better'. They do not advocate abandoning the market, concluding the "The real losers, the papers conclude, are retail customers and sm...
by yakers
Mon Jan 08, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24415

Re: Anyone disenchanted with retirement?

No, non, neyt, nix...you get the idea
Work was good, retirement is better :D
by yakers
Thu Nov 09, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 2402

Re: Gifts for a marathoner

Get Runner by Lizzy Hawker
Amazing story and amazing ability.
by yakers
Mon Oct 30, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 6870

Re: Retirees: which websites do you spend the most time on?

Another vote for early retirement.org, just a well run site covering a wide range of retirement subjects.
by yakers
Mon Sep 25, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 57804

Re: Any books really change your outlook on life?

Be Here Now by Ram Das
by yakers
Mon Sep 25, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5828

Re: Asking for no wedding gifts

When Dear Wife & I got married, second for both of us, we merged two households. Already had too much stuff, told friends no gifts, please come over and take something.
by yakers
Fri Jan 20, 2017 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 18772

Re: Bogleheads Los Angeles meetings

I will attend if the schedule works. Some years back attended meetings in LA/OC and even hosted a couple in Pasadena. Nice to meet and talk to kindred spirits. Downtown near a metro is a good idea.
by yakers
Mon Sep 26, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 45
Views: 5421

Re: has anyone leased a luxury/sport car to get it out of their system?

Some years back wife & i leased a Mazda Miata, we called it our one year test drive. We had one child still at home at the time and wanted to see how it would fit. Turned out we bought one after the one year lease, wife said I could sell it when I pried it out of her cold, dead hands. :beer
by yakers
Fri Sep 23, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Stop-over or side trip to or from Australia
Replies: 8
Views: 1080

Re: Stop-over or side trip to or from Australia

Cook Islands/Rarotonga.
Warning, you may decide to cancel the rest of your return ticket.
by yakers
Mon Sep 05, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 51
Views: 6926

Re: FERS retirement: Final taxes and TSP

Victoria: " In the mean time, I started making Roth conversions, reaching into the 28% bracket. I want to convert as much as possible before my AGI is used for calculations of the Medicare Part B premiums. Two years ago, it was important for me to keep the TSP G Fund. Now, I am indifferent. In a yea...
by yakers
Wed Jul 13, 2016 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Calculating annual withdrawals in retirement
Replies: 14
Views: 1877

Re: Calculating annual withdrawals in retirement

[ Thanks. I wonder whether TIPS would be better than the government's G fund?[/quote] A better idea is the I Fund which is more diversified than the G Fund and should have a better return over time. If you can live on only the G Fund return there would be very low risk but most studies indicate the...
by yakers
Mon Nov 02, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: New Car - Acceptable Initial Mileage ?
Replies: 27
Views: 33199

Re: New Car - Acceptable Initial Mileage ?

I asked this of our credit union once and they said they would finance a car at the new car rate if it had <500 mi. Just picked up a new Ford Fusion Energi and it had 47 mi.
by yakers
Wed Apr 29, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42755

Re: Improving the TSP [for current participants]

4. Allow TSP account holders to change their withdrawal options at least annually. For example, we should be permitted to take out different lump sum amounts anytime. I took some training recently and the adviser said the way to do this is to select monthly distribution for your recurring desired a...
by yakers
Tue Apr 28, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Free Vacation but It Will Cost Me
Replies: 13
Views: 2413

Re: Free Vacation but It Will Cost Me

Most expensive hotel room I ever had was a free room in Vegas
by yakers
Tue Apr 21, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 5027

Re: Help re Car

Definitely consider a Miata, my wife will let me sell it when I pry it out of her cold, dead hands.

You can get an automatic transmission if you want, the manual shift is great
by yakers
Tue Mar 10, 2015 1:35 am
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 2144

Re: Time of Use Electrical Rates

I have a TOU meter from our municipal utility, they put it in free. There is a monthly fee for all users, otherwise the rates are 7 cents kWh midnight to 8AM, 8 cents kWh 8AM to noon and 9PM to midnight and 9 cents per kWh noon to 9PM. Have this because I have an electric car so it very effective fo...
by yakers
Tue Mar 10, 2015 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Are you happy after retirement?
Replies: 24
Views: 2976

Re: Poll: Are you happy after retirement?

too late to vote, would've said happy before and after retirement. IMHO, happiness is an 'inside' thing, if you are happy before retirement you will probably be happy after retirement. The circumstances may may short-term difference, there can be a thrill in initial retirement, but overtime I think ...
by yakers
Wed Feb 18, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 9348

Re: Cap Gains & Divs killed me this year

First world problem.
by yakers
Wed Dec 17, 2014 10:08 am
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 53
Views: 6885

Re: Do you travel with friends in retirement?

Yes! Since retiring we have been blessed with good friends we travel with. We have been on a cruise, a rail trip in Mexico, several trips around the southwest and a lot of local travel. These are our best friends and are lucky that they are travel friends too. Whenever my wife & I contemplate a trip...
by yakers
Mon Nov 17, 2014 7:09 pm
Forum: Investing - Theory, News & General
Topic: TIPS Versus TSP G Fund
Replies: 22
Views: 4461

Re: TIPS Versus TSP G Fund

Maybe someone here knows financial engines better but when I look at their site they seem to only be advising those currently working rather than advising those already retired about having an appropriate AA. I am trying to figure out how to use the G Fund optimally in my retirement AA. My wife & I ...
by yakers
Mon Oct 13, 2014 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Advice On Adusting Portfolio Towards Desired AA
Replies: 7
Views: 803

Re: Advice On Adusting Portfolio Towards Desired AA

I am not clear why you are slowly drawing down the TSP and your wife's IRA and putting this money in a taxable account? If you don't need the money for your living expenses and you are not yet required to make withdrawals I don't see the benefit. You could convert the IRA money into a roth but movi...
by yakers
Mon Oct 13, 2014 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Advice On Adusting Portfolio Towards Desired AA
Replies: 7
Views: 803

Re: Advice On Adusting Portfolio Towards Desired AA

Here's another option that I like better, but calls for you to roll His Rollover IRA into the TSP. That could look like this: Taxable 11.50% - Total Stock Market 7% - Total International Stock Market 1.5% I Bonds Her Traditional IRA 19% 17% Total US Stock Market Index Fund 7% Total International St...
by yakers
Mon Oct 13, 2014 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Advice On Adusting Portfolio Towards Desired AA
Replies: 7
Views: 803

Re: Advice On Adusting Portfolio Towards Desired AA

Hello, I have two questions for you. Desired International allocation: 20% of stocks including 10% emerging market 1. Do you mean that you want half of your international in allocation in emerging markets (i.e. 10% of your portfolio)? Or do you mean that you want 10% of your international allocatio...
by yakers
Fri Oct 10, 2014 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Advice On Adusting Portfolio Towards Desired AA
Replies: 7
Views: 803

Advice On Adusting Portfolio Towards Desired AA

Emergency funds: 12 months in credit union account, also have Home Loan Line of Credit set up, only used once briefly. Also have about 1% of total portfolio in ibonds. I do consider the CU account and ibonds as part of my cash/fixed income part of my portfolio as I would use the cash to buy into the...
by yakers
Sun Sep 21, 2014 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Home improvement or max out retirement savings?
Replies: 10
Views: 1526

Re: Home improvement or max out retirement savings?

What does your wife want to do?
Do that one.
by yakers
Wed Sep 17, 2014 11:05 pm
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 8207

Re: iOS 8 update available today

The advice from my local Mac Users Group is to wait a bit. When the next update to the desktop OS10.10 comes out it will sync with iOS 8 through iCloud and until then there may be glitches getting desktop and mobile device to sync.
by yakers
Wed Sep 17, 2014 10:57 pm
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 5875

Re: Meetings over the lunch hour, taboo?

The only unwritten rule I can remember now (retired 6 years) was no lights out powerpoint presentations after lunch :wink: It may work for younger folk but was automatic nap inducing for the elders. If the boss or someone important had a lunch time presentation then I would skip eating entirely, kee...
by yakers
Wed Sep 03, 2014 8:32 pm
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 13267

Re: How do you keep your electricity bill low?

Contact your utility to change over to a TOU (Time of Use) meter sine you have a Volt. I have a Ford Focus Electric and added a 240 charger and the special meter, makes charging cheaper & faster. I am in Pasadena, CA which has somewhat better rates but still more than other parts of the country, I p...
by yakers
Wed Sep 03, 2014 4:33 pm
Forum: Personal Consumer Issues
Topic: Nipomo/Pismo/Obispo: Where to stay?
Replies: 18
Views: 1508

Re: Nipomo/Pismo/Obispo: Where to stay?

We know the area well. In laws lived in Nipomo, we have a campground membership in Pismo but our choice would be Morro Bay, but then we are kayakers. Also good hiking in Montana de Oro SP. If you are in the area on Thursday night don't miss the SLO farmers market, quite a party with entertainment, s...
by yakers
Fri Jun 27, 2014 2:38 pm
Forum: Personal Consumer Issues
Topic: Help solving a car dilemma
Replies: 18
Views: 3027

Re: Help solving a car dilemma

Besides your commute you must have some family travel. You have 3 kids, don't even think of getting rid of the Pilot. So much stuff to carry including strollers, toys, playmates. It is an efficient way to cart 5 people and a lot of stuff around.
by yakers
Thu Jun 19, 2014 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement gotchas
Replies: 28
Views: 6967

Re: Early retirement gotchas

A better place to explore the question would be the Early Retirement Board: http://www.early-retirement.org/
by yakers
Wed May 14, 2014 10:19 am
Forum: Investing - Help with Personal Investments
Topic: STAR for a child?
Replies: 7
Views: 1378

Re: STAR for a child?

I started a Roth IRA for my son when he was 16 and had a fast food job in high school, chose the Star fund, he is now 25 and still adding to it, very little each year but he has a long investment horizon.
by yakers
Thu Mar 27, 2014 4:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 19
Views: 3581

Re: What happened to SoCal Chapter?

I attended a couple meetings on the OC/LAC border a couple years back. Also attended some further back in time and organized a couple meetings in Pasadena some time back. I think its a density issue. The challenge with Southern California is how spread out it is. Enough people are interested but dis...
by yakers
Tue Nov 26, 2013 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bitcoins as investment
Replies: 8
Views: 1280

Re: Bitcoins as investment

I think this is a great article from the LA Times: http://www.latimes.com/business/la-fi-hiltzik-20131124,0,1228879.column#axzz2lm2EoQiJ The writer offers the insight that something like the bit coin will persist because there is a need to transfer funds electronically internationally. Our current s...
by yakers
Sat Oct 05, 2013 9:34 pm
Forum: Forum Issues and Administration
Topic: Forums for Off-Boglehead Discussion?
Replies: 18
Views: 2193

Re: Forums for Off-Boglehead Discussion?

The early retirement org folks (http://www.early-retirement.org/forums/) have a slightly more open format. They are. thankfully, moderated and try to avoid big political battles but entertain a wide range of retirment issues.
by yakers
Fri Oct 04, 2013 11:03 pm
Forum: Personal Consumer Issues
Topic: Espresso ESE pods?
Replies: 4
Views: 873

Re: Espresso ESE pods?

You can go to coffeerocket or pod merchant and get a lot of choices. A good option is Ille coffee, and you can get those at Whole Foods. An expensive but very good quality option is Marley's Blue Mountain coffee. I liked getting the sampler pack and ended up liking Lucazza dark roast. IMHO its good ...
by yakers
Thu Oct 03, 2013 4:06 pm
Forum: Personal Consumer Issues
Topic: Bhutan
Replies: 21
Views: 2574

Re: Bhutan

Read the book "Radio Shangri'La" for a great description of contemporary life in Bhutan. I went to India (the Mela), Nepal and Bhutan earlier this year. I wanted to go to Bhutan for many, many years. My son went there 20 years ago and it has changed a lot in the cities since then but still one of th...
by yakers
Sun Aug 18, 2013 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: My brokerage house switched me to a different adviser
Replies: 18
Views: 1875

Re: My brokerage house switched me to a different adviser

$100k is pretty small, most brokers I know will not accept an account under $500k. It's just not worth their time, and it is all about making money for them although they claim its about making money for you.
by yakers
Sat Jul 13, 2013 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Traditional IRA to TSP
Replies: 12
Views: 1299

Re: Transfer Traditional IRA to TSP

I transferred a couple old IRAs into the TSP, it was a bit more complicated than a commercial roll overin that if I were transferring from say Fidelity to Vanguard I would first contact Vanguard and arrange the roll over with them. Here you approach the current holder to make the transfer, a bit slo...
by yakers
Sun Jun 16, 2013 6:21 pm
Forum: Personal Consumer Issues
Topic: Electric cars (full electrics and plug-in hybrids)
Replies: 69
Views: 10051

Re: Electric cars (full electrics and plug-in hybrids)

Wow, .30 KWH, highest I have heard, even the folks in Hawaii are lower than that. High rates do indeed going solar. My wife has a 2012 Ford Focus Electric (not hybrid), our electric rare is .11 KWH, but I have a TOU (Time of use) meter which allows me to pay .10 for marginal times and .09 for midnig...
by yakers
Thu May 16, 2013 2:03 pm
Forum: Personal Consumer Issues
Topic: Smartphone with just voice but no data
Replies: 23
Views: 2539

Re: Smartphone with just voice but no data

I'll keep an eye out for more knowledgeble responses but I specificly asked this question to AT&T and they said I MUST have a data plan with an iphone. I have an 'extra' iphone since my wife upgrded. I am in the process of unlocking it now and I expect to go to T-Mobile or Verion ans ee what I can d...
by yakers
Thu Apr 18, 2013 12:02 am
Forum: Personal Consumer Issues
Topic: Guided Meditation: CD or MP3 Recommendations?
Replies: 8
Views: 2620

Re: Guided Meditation: CD or MP3 Recommendations?

Also try Wild Devine:

http://www.wilddivine.com

It is a biofeedback meditation system on your computer or online. My wife really likes it.
by yakers
Thu Mar 28, 2013 12:24 am
Forum: Personal Consumer Issues
Topic: Things I should buy/experience while in my 30s?
Replies: 112
Views: 13159

Re: Things I should buy/experience while in my 30s?

Go to Burning Man.


Take some time off and go on a long hike (like the appalachian trail) or a week (or more) long retreat, get in contact with your inner self and your source.
by yakers
Tue Jan 15, 2013 9:52 pm
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 16600

Re: Your most intense movie scene

I'm a movie wimp. Still haven't gotten over Bambi's mother lost in the fire.
by yakers
Tue Jan 01, 2013 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 6645

Re: Should I move from upstate NY to Los Angeles, CA?

PM if you want more details but most of your concerns are not with JPL but with issues of moving and uprooting your wife. I worked there 26 years (in an institutional not scientific function). I cannot say enough good about the place although there are plenty of idiosyncrasies that may bother some f...
by yakers
Wed Dec 26, 2012 3:18 pm
Forum: Personal Consumer Issues
Topic: Jeep Wranglers
Replies: 22
Views: 3289

Re: Jeep Wranglers

Wranglers are good if you intend to mostly off road. I have an 06 Jeep Liberty diesel, took it 1K miles on dirt roads in arctic Canada & Alaska and dirt trails in AZ, CA & NM. Great road car, good for towing and can be reasonably configured for some off road use. Requires more significant mods for s...