Search found 275 matches

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: 1133

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: 184
Views: 20133

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: 2018

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: 6146

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: 55460

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: 5082

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: 16323

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: 5094

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: 973

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: 6575

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: 1736

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: 24395

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: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 39877

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: 2376

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: 4787

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: 2107

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: 2922

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: 9214

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: 6793

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: 4269

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: 786

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: 786

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: 786

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: 786

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: 1478

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: 8113

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: 5714

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: 13002

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: 1458

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: 2946

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: 6901

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: 1327

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: 3531

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: 1240

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: 2052

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: 798

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: 2544

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: 1844

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: 1196

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: 9860

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: 2499

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: 2453

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: 12684

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: 15920

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: 6471

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: 3215

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...
by yakers
Wed Dec 05, 2012 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ever regretted a promotion? why?
Replies: 33
Views: 4491

Re: Ever regretted a promotion? why?

I once was offered a nice promotion to our head office, an initial step up and more promotion potential. I consulted my wife who really did not want to move. I reluctently passed on the offer. Within 3 months a new person took over at HQ and totally made life miserable for everyone there including a...
by yakers
Tue Oct 09, 2012 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Advantage Plans
Replies: 44
Views: 5547

Re: Traditional Medicare vs Advantage Plans

What about if one moves to an area not covered by their MA/HMO? My wife is 64 and we are currently covered by Kaiser HMO and quit satisfied with it. She is likely to go with Kaiser under Medicare. But we are pondering relocating to an area not overed by Kaiser. Would we be able to buy medigap insura...
by yakers
Wed Sep 26, 2012 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: List of investment info for my wife should I kick the bucket
Replies: 46
Views: 4602

Re: List of investment info for my wife should I kick the bu

I am seriously considering telling my wife to 'put everything in Wellesley', really simple.
by yakers
Thu Aug 02, 2012 3:18 pm
Forum: Personal Consumer Issues
Topic: iOS and Android apps for this forum and others
Replies: 23
Views: 2363

Re: iOS and Android apps for this forum and others

To see the (small) advantages of a mobil ap, go to the Early Retirement board (http://www.early-retirement.org/forums/) and see how it works in a browser on a mobile device. Then download their free ap and see how it works. I think the ap is better on the iphone/ipad and the regular browser is bette...