Search found 248 matches

by hale2
Wed Jul 29, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: Are you adjusting your REIT Allocation?
Replies: 69
Views: 5545

Re: Are you adjusting your REIT Allocation?

Just throwing this out for thought. I have read that, in an interview with Christine Benz of Morningstar during the November 2013 Bogleheads Conference, Rick Ferri stated that commercial real estate represents 13 to 14 percent of our GNP. I believe he said adding about 10 percent of your stock equi...
by hale2
Tue Jul 28, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3528

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

We plan to fund our retirement account as much as we can in the next five years while we are in a relatively cheap Midwest and then move to a bigger city in the West for weather and culture. We plan to offset the high cost of living by reducing our retirement savings. We are in our early (DW) and l...
by hale2
Mon Jul 20, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: A portfolio is like a birthday cake:
Replies: 30
Views: 2878

Re: A portfolio is like a birthday cake:

Does this mean that the Core 4 portfolios are no longer appropriate? Classic has REITs, Total Economy has both REITs and Small Value. Core-4 portfolios are examples of simple strategies. I make no claim that one strategy is better than the other. Choose the one you like best or modify it at your le...
by hale2
Mon Jul 20, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: A portfolio is like a birthday cake:
Replies: 30
Views: 2878

Re: A portfolio is like a birthday cake:

Does this mean that the Core 4 portfolios are no longer appropriate?

Classic has REITs, Total Economy has both REITs and Small Value.
by hale2
Thu Jul 16, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 216248

Re: [What TV Show Have You Recently Watched?]

LilyFleur wrote:
Thu Jul 16, 2020 3:38 pm
I like Luther. I like Idris Elba, so much so that I don't really analyze the quality of the acting.

There, I said it. :mrgreen:
If you like him you definitely want to see him in The Wire. Outstanding.
by hale2
Thu Jul 16, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge $900 preferred rewards brokerage bonus
Replies: 78
Views: 7112

Re: Merrill Edge $900 preferred rewards brokerage bonus

How do I orchestrate a "true" retention bonus? Just call them up and ask for free money periodically? Or do I need to do the internet renewal saga game: "I'm moving to competitor X, is there anything you can do to keep me?" How often can I play the retention game? Are the bonuses comparable to new ...
by hale2
Wed Jul 15, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 216248

Re: [What TV Show Have You Recently Watched?]

I have been binging on "City Homicide" on Prime. It's an Australian crime drama TV show. Love those accents. You might also like Murder city, a British detective series in amazon prime. The best of all British detective series is Luther. IMO Alice Morgan is the best female character in TV history. ...
by hale2
Tue Jul 14, 2020 1:29 am
Forum: Personal Consumer Issues
Topic: Coffee storage
Replies: 42
Views: 3372

Re: Coffee storage

I’m itching for my new Sette 270wi to arrive any day now to go with my old (but still kicking) Ranchilio Silvia. I don’t do milk drinks often, so don’t (yet) feel the burn for a double broiler. I upgraded to the Sette 270wi about a month ago and love it. It's a huge upgrade from my MDF grinder I pu...
by hale2
Sun Jul 12, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Coffee storage
Replies: 42
Views: 3372

Re: Coffee storage

I use this one for my espresso beans.

https://www.wholelattelove.com/collecti ... -container
by hale2
Sun Jul 05, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5773

Re: Boglehead Way to buy an Audi

We purchased a 2006 A-4 CPO in 2008. It was a great car to drive and we loved it. Unfortunately it started having various engine and electrical problems at around 80k mi. The mechanic said these issues were pretty typical around that mileage/age. Repairs are very expensive. Just a timing belt replac...
by hale2
Wed Jul 01, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: Total Returns Beats Dividend Focus
Replies: 17
Views: 1583

Re: Total Returns Beats Dividend Focus

I think its complicated. Lets assume you want income of 4% of initial portfolio value and you want it to grow annually with inflation. What if you could assemble a reasonably diversified portfolio of 20 or so stocks that collectively pay dividends of 4% and those dividends are expected to grow annu...
by hale2
Wed May 06, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Federal Tax Return Processing Delayed? (e-filed)
Replies: 8
Views: 808

Re: Federal Tax Return Processing Delayed? (e-filed)

I've been waiting 32 days after e-filing. The system says it's still processing. I can't find anything online saying that this year it's taking longer than expected due to stimulus checks or any other reason.
by hale2
Mon Apr 20, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Your Investment Adviser’s Dirty Secret
Replies: 77
Views: 9954

Re: Your Investment Adviser’s Dirty Secret

I feel like it was missing one very big piece of information though, and that’s what Rick charges for his time and knowledge. You can find that information on his website. Right out there in the open for all to see. :happy That’s the same with the AUM based fee-advisors too- their fees are right in...
by hale2
Thu Apr 16, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: Worried about the future of REITs
Replies: 62
Views: 4688

Re: Worried about the future of REITs

I have also been concerned about the long term impact on commercial properties. I switched from VNQ to REZ since it focuses more on residential (although it's dropped quite a bit too). I still own some investment properties (purchased between 2010-2012), but have sold off a few over the last couple ...
by hale2
Tue Apr 14, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: Just read the only guide to a winning bond strategy
Replies: 11
Views: 1304

Re: Just read the only guide to a winning bond strategy

I have a ladder of individual municipal bonds and CDs with average maturity 4-5 years. All of my bonds are municipal. I put the tax exempt muni bonds in the taxable account and reserve my tax advantaged space for my most tax inefficient investments. Dave I have individual treasuries and was conside...
by hale2
Fri Mar 27, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Career choices for young man
Replies: 22
Views: 2446

Re: Career choices for young man

Completely agree. While those who do field work still to some extent have to deal with the admin burden, field work is very rewarding and the sense of mission you mentioned keeps you motivated and able to deal with the bureaucracy. The vast majority of time is spent operational, not reading classif...
by hale2
Fri Mar 27, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Career choices for young man
Replies: 22
Views: 2446

Re: Career choices for young man

Of course, as you seem to be trying to say, anyone whose conduct, background, or attitude towards security disqualifies them is not going to be suitable for or happy in such employment. Similarly, people in support functions, e.g., non-sworn, non-operational staff, may lack the sense of mission whi...
by hale2
Thu Feb 20, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9587

Re: I'm 40 and when do I retire? first world problem?

The numbers say stay until 2022, but if you're burned out, then you seriously need to consider retiring. Law enforcement takes a toll over time. I found the day I was eligible (we called it KMA for kiss my ...) I felt less burned out, knowing I could leave any day. I stayed a little longer but dropp...
by hale2
Wed Feb 19, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: If you used multiple investment strategies, which would you use and why?
Replies: 271
Views: 11561

Re: If you used multiple investment strategies, which would you use and why?

Jack Bogle recommended "age in bonds" as a starting point. One can simply adjust from there based on their desired asset allocation. I think there comes a point where Jack's points on some matters are getting outdated due to changes in the macro economic and investing environments and it's time to ...
by hale2
Wed Feb 05, 2020 12:27 pm
Forum: Personal Investments
Topic: Retired and ROTH
Replies: 6
Views: 673

Re: Retired and ROTH

I retired Dec 31 from the Federal Gov. Last week I received my unused leave payment which was taxed just like regular income. Since the payment was over 7K can't I contribute to a ROTH IRA for 2020? This will be the only income I will have this year and in the future. It is too late, but isn't reti...
by hale2
Thu Jan 16, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg Will Revive ‘Wall Street Week’
Replies: 38
Views: 4447

Re: Bloomberg Will Revive ‘Wall Street Week’

Great show. Looking forward to the next episode.
by hale2
Fri Jan 10, 2020 1:01 am
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 81
Views: 10141

Re: 2020 Bogleheads Conference and Survey

I like the lottery idea, especially if potential first-time attendees are given preference My understanding is that even with the current registration system, approximately half of the Conference attendees each year are first-time attendees and the other half have been to a Conference before. In ot...
by hale2
Sun Dec 29, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9282

Re: Goodbye USAA

I have been with USAA since 1978. I am a resident of Kentucky. I viewed www.gabi.com and placed the appropriate information concerning my insurance. They provided me with a lower quote from Safeco. The better rate was $178 for a year. This included coverage on 4 vehicles, homeowners and 1 mil umbre...
by hale2
Fri Dec 20, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 205
Views: 40861

Re: Indexing beats Wellington and Wellesley right?

I fail to see how the long-term return of an active fund has anything to do with your future return. You could pick a portfolio of all active funds that outperform a portfolio of all index funds, but more likely only one or two of those active funds will outperform their index counterpart and the r...
by hale2
Thu Dec 12, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: SAT prep?
Replies: 11
Views: 936

Re: SAT prep?

My son is also a high school junior and did Khan academy before taking the SAT. He took a practice test and found where his weaknesses were. He watched a few of the lessons and took 1 practice test a week for 3 weeks. He scored 1440 on his first practice. After spending about 5-10 hours on lessons a...
by hale2
Mon Nov 18, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which Life Insurance company to go with? And other questions
Replies: 18
Views: 1352

Re: Which Life Insurance company to go with? And other questions

You should consider getting insurance on your wife now. There are companies that will be okay with her being pregnant. Trust me, it's worth considering.
by hale2
Tue Oct 29, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2249
Views: 386040

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So you first ACH the cash to that competitor, then transfer it as part of the account transfer :happy [ quote fixed by admin LadyGeek] Actually, this is exactly what I did. I had recently sold a property. To get the extra $300 bonus I transferred the funds from my bank account to a Vanguard short t...
by hale2
Tue Oct 29, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2249
Views: 386040

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If you want to get on, you need to talk to a rep from your local office immediately. If your account title is not complicated (individual or joint), the transfer should complete in 3 or 4 business days. I can do it if I open a new account from that page, right ? My problem is I have a bonus in anot...
by hale2
Fri Oct 18, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 71
Views: 6965

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

Although I'm almost always a buy-and-hold investor and almost never buy individual stocks, I've been doing some short-term swing trading on BA and have made a little money since the second crash. This uses a small part of the cash in my overall portfolio. I believe there's a lot of irrational (i.e....
by hale2
Wed Oct 09, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: travel agent for cruise and discounting
Replies: 8
Views: 805

Re: travel agent for cruise and discounting

You might want to try CruiseCompete.com. Just enter the cruise you are interested in and travel agents will respond with quotes. Mainly the amount of onboard credit they offer is the difference between agents. +1 We have used cruise compete.com a couple of times. They give you quotes from 3 compani...
by hale2
Mon Sep 16, 2019 12:10 pm
Forum: Personal Investments
Topic: Selling Rental Properties. What to do with proceeds? 3 different scenarios
Replies: 17
Views: 1848

Re: Selling Rental Properties. What to do with proceeds? 3 different scenarios

I've been selling a property a year to take advantage of the hot market. I seriously considered DSTs. There are several well established, reputable companies. However, I decided against them due to the high fees. I understand the management fees, but some of the ones I looked into had purchase fees ...
by hale2
Sun Sep 08, 2019 12:55 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 216248

Re: [What TV Show Have You Recently Watched?]

Orange is the New Black , Series 7, on Netflix. This is the final season and I just watched the first episode. So far, I'm not impressed. Agreed. We liked the previous seasons but gave up on this season after the 3rd episode. I'm most of the way through Season 7. Although a few plots seem contrived...
by hale2
Sun Sep 01, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 216248

Re: [What TV Show Have You Recently Watched?]

LadyGeek wrote:
Sun Sep 01, 2019 9:54 am
Orange is the New Black, Series 7, on Netflix. This is the final season and I just watched the first episode. So far, I'm not impressed.
Agreed. We liked the previous seasons but gave up on this season after the 3rd episode.
by hale2
Wed Aug 21, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cut to take a federal job?
Replies: 26
Views: 3210

Re: Pay cut to take a federal job?

Yes. Most people that know me well have shared similar sentiments. This agency is an intel agency, but the group works on similar problems to one's I've worked on previously in my career. You are in a different situation from most feds by working in the intel community. You'll still have to deal wi...
by hale2
Tue Aug 20, 2019 3:53 pm
Forum: Personal Investments
Topic: Fidelity REITs
Replies: 14
Views: 2639

Re: Fidelity REITs

I'm not aware that Fidelity has an "in house" "REIT Index Fund" similar to Vanguard's VGSLX "Vanguard Real Estate Index Fund Admiral Shares (Expense Ratio 0.12%). . . also as a Vanguard ETF "VNQ". IMHO: A diversified REIT Index Fund is preferable over single REIT funds. FYI: more info on REIT's. NA...
by hale2
Mon Jul 22, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 86
Views: 6054

Re: Dogs and homeowners insurance company

German Shepherd owner here. I haven't run into this problem with homeowners insurance but was initially denied an umbrella policy because I own two german shepherds. I wrote a scathing review on the USAA website since most MWDs are GSDs, for heavens sake. Someone from USAA called me immediately and...
by hale2
Tue Jul 09, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Medicare Part B Premium Amount of $135.50
Replies: 13
Views: 1488

Re: Tax Question about Medicare Part B Premium Amount of $135.50

For Federal employees, for example, the employer pays a share and the employee pays a share of health insurance premiums. The employer's share does not appear in either the pay stub or the W-2 and is not taxed. The employee's share is a payroll deduction that shows up in the pay stub and the W-2, a...
by hale2
Wed Jul 03, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2152

Re: SF Bay area: high school and college apps

I'm in an area with very good high schools, but some are better than others. It appears that the kids at the better, more competitive schools have higher acceptance rates to the UCs, so I'm guessing they aren't accepted purely on a set percentage from each school. As somebody mentioned earlier, the ...
by hale2
Tue Jun 25, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18794

Re: what was your worst major purchase mine is a 2019 mazda3

What would a prenupt in the first one have done? You spent the money on tuition during the marriage, correct? Nothing because I willingly spent most of my pre-marriage assets on paying off her pre-marriage debt (education and a car) and then cash-flowing her further education, but I made sure that ...
by hale2
Sun Jun 23, 2019 11:25 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 19875

Re: What percentage of total portfolio in REIT's do you have? Why?

I purchased several investment properties from 2010-2013 and have been selling them off over the last 2 years to take advantage of the strong market. Prior to selling, equity in my real estate portion was approximately 20%-25% of our total investment portfolio. After some sales it's down to around 8...
by hale2
Wed Jun 19, 2019 12:58 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 19875

Re: What percentage of total portfolio in REIT's do you have? Why?

For those inclined to investigate REIT's further, here is a link to the free subscription to REIT Magazine that "Abuss368" mentioned in a prior post. Complimentary "REIT Magazine Subscription". https://www.reit.com/news/reit-magazine/subscribe j *Universal Disclaimer :shock: Per forum guidelines: T...
by hale2
Sun Jun 16, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 10491

Re: How safe are pensions in the U.S.?

The CalSTRS system does have inflation protection and benefits are likely higher than for people in many other states. However, the cost of living in certain parts of California is hard for many to wrap their heads around as well. So, just add a zero at the end of whatever number you think is reaso...
by hale2
Sun Jun 02, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905507

Re: What's Your Credit Card Rewards Strategy?

It must be a recent change. I got the AA personal in January and the AA business in March. I was at 10/24. It had been almost 2 years since I churned them. I know I won't be able to get them again for 24 months after I cancel them.
by hale2
Thu May 23, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 3117

Re: Weber vs Broil King Grills

I had a Broil King for 17 years. I would probably still have it if I had had space in my shipment when I moved. I never had a rust issue and the cast iron grids were great. The only issues were the wheels eventually rotted due to direct sunlight over the years, and I had to replace the burner after ...
by hale2
Wed May 15, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 8088

Re: Dividends almost Doubled between 2013 and now

Say dividends are desirable because they take cash away from executives that would spend it inefficiently. Then stock buybacks should be even more desirable because they do the same thing, but you'd pay less taxes on it. Buybacks also give the investors more flexibility: If you need more than the b...
by hale2
Mon May 13, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: FERS-Military Buyback and Early Retirement
Replies: 8
Views: 700

Re: FERS-Military Buyback and Early Retirement

For me it was a no brainer. I bought back 12 years. When I did it you didn't pay interest for the first 1 or 2 years (I can't remember). I paid it off before interest began to accrue. I calculated my break even point of 16 months into retirement. Remember, the years are added to the minimum number o...
by hale2
Mon May 13, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Conversion Strategy and a market drop
Replies: 24
Views: 1939

Re: Conversion Strategy and a market drop

I'll preface this by acknowledging that we don't know if the tax cuts will expire or be extended, but I was wondering what people's thoughts might be about doing a Roth conversion after a large market drop, when you might end up in a lower bracket in retirement. During full retirement, I expect to b...
by hale2
Tue Apr 30, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2671

Re: Car insurance shopping - worth leaving USAA?

I asked Geico for a quote a couple of years ago and it was within a few dollars of what USAA was charging me. If you guys are getting such great quotes now I need to revisit Geico.
by hale2
Sat Apr 27, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is this too much house and am I getting away from my financial goal?
Replies: 13
Views: 1802

Re: Is this too much house and am I getting away from my financial goal?

You can afford it. Is it the best use of your money? Probably not. But it's something you have wanted, can definitely get enjoyment from it for both your family and entertaining. I would go for it.