Search found 911 matches

by dcabler
Sat May 25, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Low Flow Shower Heads
Replies: 11
Views: 1009

Re: Low Flow Shower Heads

Replaced ours with one from High Sierra, also available from Amazon. Doesn't inject air and doesn't have a bunch of small openings that get clogged from our hard water. Breaks up the stream into droplets. We love it.
by dcabler
Wed May 22, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 3908

Re: Senior management/executives

My company has an "ethics hotline", but I have no idea how anonymous, etc. it is. But I would echo others comments about HR. They represent the company, not you.
by dcabler
Fri May 17, 2019 10:10 am
Forum: Personal Investments
Topic: Tilting very slightly towards small & mid caps. Is this a good idea?
Replies: 36
Views: 2739

Re: Tilting very slightly towards small & mid caps. Is this a good idea?

For the next few years your contributions matter much more than your allocation. Try running historical Portfolio Visualizer but instead of starting at $10,000, start at $0 with suitable annual contributions ($6000-$20000). You will find that the difference among outcomes over 10-15 years for the a...
by dcabler
Fri May 17, 2019 7:06 am
Forum: Personal Investments
Topic: Tilting very slightly towards small & mid caps. Is this a good idea?
Replies: 36
Views: 2739

Re: Tilting very slightly towards small & mid caps. Is this a good idea?

Checking the calendar - yup, it's not been that long since the last tilting debate. I suspect this one will go much along the lines of all of the previous ones :D Responses will most likely be something like: 1. Do it, you're young! The size factor is now well researched. At least in the past, it pr...
by dcabler
Fri May 17, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3438

Re: Bonds beyond Total Bond Market - Anyone ?

Folks, Anyone using any fixed income asset class beside Total Bond Market ? - If Yes, What and Why ? (eg TIPS) - If Not, Why not ? Just had a portfolio review with a firm and they recommend "diversification" of Total Bond Market with TIPS, Floats, High Yield, etc.... I prefer Intermediate Treasurie...
by dcabler
Wed May 15, 2019 2:50 pm
Forum: Personal Investments
Topic: Keep buying I Bonds or switch to Treas / BND?
Replies: 6
Views: 801

Re: Keep buying I Bonds or switch to Treas / BND?

The fixed rate of 0.5% is still pretty high. I did sell some of my 0% fixed rate I Bonds to switch to better yield but then again I would be buying new I Bonds if I hadn't already maxed my annual limit. Yep, that's one of the downsides with ibonds, unlike other interest bearing instruments. No matt...
by dcabler
Wed May 15, 2019 10:54 am
Forum: Personal Investments
Topic: Keep buying I Bonds or switch to Treas / BND?
Replies: 6
Views: 801

Re: Keep buying I Bonds or switch to Treas / BND?

I was slowly buying I Bonds during the year (invested 4k so far for 2019) but I checked the comp rate today and it's just 1.9% :( I'm planning to invest ~11k more in bonds till the EOY so I'm thinking if it would make sense to max out I Bonds or just start spending 11k for Treas / BND? Why "or"? Wh...
by dcabler
Wed May 15, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Last Pass with Vanguard and USAA
Replies: 38
Views: 3406

Re: Last Pass with Vanguard and USAA

I'm thinking about getting Last Pass to increase my security online - especially with my banking and investment accounts. Just curious if fellow Bogleheads are using Last Pass - how do you like it? Do you have any issues using it with your financial institutions? I mostly use Vanguard and USAA. Tha...
by dcabler
Mon May 13, 2019 8:57 pm
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7092

Re: For how long will the forum be around?

Until everybody agrees on tilting Until everybody agrees on how much international to hold. Until everybody agrees on factors Until everybody agrees on the usefulness of CAPE Until everybody agrees on a withdrawal method Until everybody agrees that the 3 fund portfolio is ideal for everybody I expec...
by dcabler
Mon May 13, 2019 8:49 pm
Forum: Personal Investments
Topic: Reasonable retirement-policy statement?
Replies: 3
Views: 593

Re: Reasonable retirement-policy statement?

Very similar to my plan. Some particulars. 1. I am also using TIPs funds duration matched. I'm at Fido, so it's a combination of LTPZ, FIPDX and FCONX (unless an ultra-short TIPs fund reappears in the future) all held in tax advantaged accounts. But I'm also using Ibonds as well. All of this + SS w...
by dcabler
Mon May 13, 2019 2:55 pm
Forum: Personal Investments
Topic: Reasonable retirement-policy statement?
Replies: 3
Views: 593

Re: Reasonable retirement-policy statement?

Greetings, all! I've been doing my best to learn from all the discussions on here over the past several months, and this is the best plan that I've been able to come up with so far. Is there anything that I seem to be missing? Thanks in advance! Goal: A. Ensure a floor of minimum necessary income u...
by dcabler
Sun May 12, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2175

Re: Using my Cell Phone in England

belmontpaul wrote:
Sun May 12, 2019 6:54 am
I use Verizon
Start here: https://www.verizonwireless.com/support ... nner-tool/
by dcabler
Sun May 12, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2175

Re: Using my Cell Phone in England

Depends on your carrier, but you have a couple of options 1. Contact your carrier and enable international roaming on your phone. Many carriers give you an option to purchase minutes/data for international roaming to cover a certain amount of time, often a month. If you don't do that, you're going t...
by dcabler
Fri May 10, 2019 5:57 am
Forum: Personal Investments
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 200
Views: 9773

Re: What is your U.S./ex-U.S. stock allocation?

Roughly 28% non-US
by dcabler
Mon May 06, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 51
Views: 4637

Re: What kind of Replacement A/C would you get ??

it's tough to know what the true optimal SEER rating might be ahead of time. I can help you with that. Go to https://www.energystar.gov/sites/default/files/asset/document/CentralAC_Calculator.xls which is an official federal government's Energy Star central air conditioning SEER calculator. As you ...
by dcabler
Mon May 06, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 51
Views: 4637

Re: What kind of Replacement A/C would you get ??

We have a Lennox that's coming up on 25 years old and, boy, does the outside unit look like it! 5 years ago, the controller board died and we had that replaced. And every year since I think, yep, this is gonna be the year it dies. And it makes it till another summer. Many of the general statements a...
by dcabler
Mon May 06, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8363

Re: Anyone else looking forward to Game of Thrones?

First heard about it at around season 4. Went to the public library and checked out DVD's and DW and I binge watched over several months till we were caught up. Been watching episodes as they come out ever since. For TV it's a somewhat complex story and I admit that, especially between seasons, we'v...
by dcabler
Mon May 06, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1663

Re: What do you do with variable bonus?

I recently got promoted and it came with no salary increase but with increased profit sharing. At my current client level, it amounts to about 50k/year but obviously is not guaranteed. What do you do with your bonuses? Do you just apply them to whatever financial goal you are currently working? Do ...
by dcabler
Sun May 05, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: College Academic Scholarships?
Replies: 30
Views: 1620

Re: College Academic Scholarships?

I had no scholarships going into college, but got good grades and eventually earned 3 different scholarships while I was there. My daughter, like your kid, is middle of the pack in high school but did extremely well on standardized tests such as the PSAT, the SAT and the ACT. It really depends on th...
by dcabler
Fri May 03, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2338

Re: TIPs vs total return portfolio in retirement

So the risk with TIPS ladder is longevity past year 30. Take care of that by buying a deferred annuity. For example, at age 70 buy deferred annuity that pays out $40K at age 85. For a single male, age 70, a deferred annuity pays out ~37% with no death benefit, or ~27% with death benefit. So for an ...
by dcabler
Fri May 03, 2019 9:05 am
Forum: Investing - Theory, News & General
Topic: Scott Burns: the Simplicity Manifesto
Replies: 13
Views: 2487

Re: Scott Burns: the Simplicity Manifesto

Always loved Scott Burns and miss his regular column in our local paper. After flailing around till about 2008, his old website about lazy portfolios was the first one I landed one that made a lot of sense to me. I guess because he used the word "may" I'll give him a bye about factors. :D And, no, I...
by dcabler
Thu May 02, 2019 10:05 am
Forum: Personal Investments
Topic: Bonds offered no protection
Replies: 38
Views: 3677

Re: Bonds offered no protection

I bought VBTLX in 2013 and doubled it in 2015. I sold it yesterday at a capital loss of $16. I thought the point of having bonds was to protect against market gyrations, and that bonds moved in the opposite direction from stocks. In this case, not so much. There have been wild fluctuations since th...
by dcabler
Wed May 01, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 6526

Re: Has anyone down-shifted in their career?

I've seen many in my industry who have voluntarily downshifted and are much saner for having done it! I've been at the director level since about 2000. The amount of stress varied quite a bit from one company to another, but usually I was able to manage it. I did downshift once to a PM about 5 years...
by dcabler
Wed May 01, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: Small Caps vs Large Caps divergence
Replies: 23
Views: 3117

Re: Small Caps vs Large Caps divergence

one thing that has been strange is that S&P600 has also lagged behind the Russell 2000. I was of the opinion that S&P600 is a higher quality index that contains more profitable small caps due to the quality screen of companies in the index. At least that was the argument, the Russell 2000 I know ha...
by dcabler
Mon Apr 29, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: Back testing assets: best results with long term treasury yet common advice is aggregated bonds or global bonds. Why?
Replies: 41
Views: 1950

Re: Back testing assets: best results with long term treasury yet common advice is aggregated bonds or global bonds. Why

Get on M* and look at what happened to long bonds of any kind during the 1950s and 1960s and 1970s when interest rates went up. The bonds fell in value by big amounts due to big inflation versus modest yield. So bonds got hammered. So a Long treasury bond fund is risky in a raising interest rate en...
by dcabler
Sun Apr 28, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5143

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by dcabler
Sun Apr 28, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5143

Re: Texas property tax protest

So we moved to TX, our property tax bill just came. - Purchase price: 575k (2018) - Tax bill value estimate: 578k (tax is then 2.35% of the appraised value) Our neighborhood is brand new, I'm guessing it would be difficult to run any 'comps' in this area. It's mostly dirt. I've asked people at work...
by dcabler
Sun Apr 28, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8276

Re: What are the cons of always being a one parent working household?

Similar to what others had said. Originally, we weren't going to have any kids. Both of us worked in Tech. Both maximized our 401K's and we lived off of one paycheck and 100% saved the other. Then in our late 30's, we decided to go for it and we had a daughter. DW worked up until about a month befor...
by dcabler
Fri Apr 26, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does Money Buy Happiness?
Replies: 37
Views: 2198

Re: Larry Swedroe: Does Money Buy Happiness?

Ron wrote:
Fri Apr 26, 2019 7:58 am
Happiness? No.
Peace of mind? Yes.

- Ron
Yep - At least for me, there is some volatility with swings from happiness, contentment, peace-of-mind, fear, etc. Much like the market. :D
by dcabler
Thu Apr 25, 2019 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Eggs in One Basket?
Replies: 22
Views: 2954

Re: Eggs in One Basket?

The bulk of my assets are split across Vanguard and Fidelity, though not by any grand plan to not put all of my eggs in a single basket. And truthfully, most of my assets are at Fidelity, with one taxable account holding one fund at Vanguard. Now that's the bulk of my assets. I also have some other ...
by dcabler
Wed Apr 24, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16831

Re: Whats the Point of Climbing the Corporate Ladder?

I've spent my career as a technical contributor and make it very clear with management that I want nothing to do with becoming a manager of any kind. This has led to me doing just fine, in one case being at the level where any technical project in the ($16B) company had to get my technical OK befor...
by dcabler
Wed Apr 24, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16831

Re: Whats the Point of Climbing the Corporate Ladder?

Because you will be fired to make room for the people that you are blocking behind you. And the flip side is that as you climb, your are much more visible to many more people in a company, not all of which have your best interest in mind. At least in my industry, the mean time in a position before ...
by dcabler
Tue Apr 23, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11579

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

Alohajoe - I'm not quite following you. Past SWR's with a new datapoint can be calculated with each year when a new year's worth of data is added. True, it is just one more year in the datastream that includes a lot of overlapping data when calculating an SWR so it's unlikely to change much each ye...
by dcabler
Tue Apr 23, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11579

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

Mine was a legit comment. FIRECALC had not been updated for years. That factors significantly into the discussion since the question was about whether you should go at 100%. Safe Withdrawal Rates, because of how they're constructed don't change very often, so there's limited value in updating Firec...
by dcabler
Mon Apr 22, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 75
Views: 5103

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

Sounds like a great plan. We lived in Germany as expats in the late 1990's. Additionally, a company I worked for since then had me living in Austria for 2 months one summer just a couple of years ago. I have another friend who goes to Scotland every summer to work in their local office. In my latter...
by dcabler
Sun Apr 21, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Rethinking Asset Allocation
Replies: 10
Views: 749

Re: Rethinking Asset Allocation

With CSRS pension and SS we cover 77% of our routine spending and over 100% of our needs. With RMD we will cover 136% of our routine spending. Routine spending does not include new cars or the limited help we have given our children. During the crisis, I did not move money or change allocations. Of...
by dcabler
Fri Apr 19, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 2061

Re: In search of a dishwasher that dries plastics well...

One of the bigger annoyances since moving into our home three years ago is that the awful Kenmore dishwasher is terrible at drying the dishes. Every cup has a puddle on top, and plastics are soaked at the end of every cycle, requiring they be pulled out and air dried on a towel for a few hours. At ...
by dcabler
Fri Apr 19, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: RSUs and ESPP after 2-Week Notice
Replies: 21
Views: 1293

Re: RSUs and ESPP after 2-Week Notice

Wait. You might be fine as long as you are still “on the books” but you might not, and there is no way to find out for sure. When I changed jobs I gave noice ON Rsu day ;) Re the boxes... that depends on the employer/industry. I have never seen the security escort in tech, but I read on here it’s c...
by dcabler
Fri Apr 19, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 2061

Re: In search of a dishwasher that dries plastics well...

One of the bigger annoyances since moving into our home three years ago is that the awful Kenmore dishwasher is terrible at drying the dishes. Every cup has a puddle on top, and plastics are soaked at the end of every cycle, requiring they be pulled out and air dried on a towel for a few hours. At ...
by dcabler
Fri Apr 19, 2019 8:11 am
Forum: Personal Investments
Topic: What are the Pro’s and Con’s to Tips?
Replies: 7
Views: 924

Re: What are the Pro’s and Con’s to Tips?

I would really love everyone’s thoughts on Tips. I have over 2m in taxable account . High tax bracket. It’s it good to have a portion of my bond portfolio in Tips? Conservative 50/50 allocation Thanks Another option to consider is I-bonds. Also inflation adjusted and generally you won't pay taxes o...
by dcabler
Thu Apr 18, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5180

Re: In which companies do you own a single share, or token amount, of stock?

I own 0.01 share of DuPont. Why? Because 20 years ago I owned individual stocks and sold them all when I moved to mutual funds. And somewhere along the line I made a typo when I tried to sell all of my DuPont stock. I've tried multiple times to get Schwab to make this go away - they say they'll do i...
by dcabler
Wed Apr 17, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3832

Re: Newbie international traveler

The wife and I are taking our first international vacation (Switzerland / Germany). Here's the advice I gathered online over the past few weeks, which also led me to the Fidelity Cash Management Account. 1. There's no need to stuff my wallet with foreign currency before leaving and pay high convers...
by dcabler
Wed Apr 17, 2019 5:44 am
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2283

Re: Clipless pedals for a hybrid bike

RootSki wrote:
Tue Apr 16, 2019 6:37 pm
Just remember to unclip before coming to a stop. I learned this the hard way. Several times. :oops:
Yup - been there, done that. Fortunately no broken bones...
by dcabler
Sun Apr 14, 2019 6:41 am
Forum: Personal Investments
Topic: Asset allocation - non-qualified deferred comp
Replies: 5
Views: 350

Re: Asset allocation - non-qualified deferred comp

I'm on year 6 of a 10 year payout. I keep mine at the same AA as my overall portfolio. Each January, I receive a payout, minus taxes and I redeposit it back into one of my taxable accounts, which are all 100% stocks. If needed, I then rebalance the overall AA by adjusting the rollover IRA (which is ...
by dcabler
Sat Apr 13, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4292

Re: How to avoid throwing money at problems?

DH and I have a six month old and we are finding ourselves with a lack of time to get the basics done. DH and I both work a minimum of 60 hours a week and DS is in daycare so is sick often and our family logistics have been shot. HHI ~350k with bonuses, 90k without bonuses, 950k NW, 250k in house e...
by dcabler
Sat Apr 13, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8265

Re: Are Airport Lounges Worth the Money?

Read an article online about how luxurious some airport lounges can be.....complimentary buffet, full bar, place to take a nap and shower, etc. Lounge access is limited to members of certain credit cards that carry very pricey annual fees ($550 or much higher), elite status with airlines or pay a h...
by dcabler
Sat Apr 13, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: How do you solicit 360 degree feedback?
Replies: 20
Views: 1546

Re: How do you solicit 360 degree feedback?

I've worked at many companies that use them. They're used for two reasons. 1. Employee development. Usually an outside firm, contracted to your employer, has their own version of a 360. They will have you choose your manager, some number of subordinates, and some peers. I've found these to be close ...
by dcabler
Thu Apr 11, 2019 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18784

Re: Wife hates new job...wants to quit after 1 day

So today the plan is to ride it out for a year and leave. Why? She isn't doing the new company any favors by hiring a new team and leaving less than a year after the new people were hired. Her thinking is megacorp experience will look good on a resume and it’s soul draining but not very difficult. ...
by dcabler
Wed Apr 10, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 9701

Re: How do 40 year olds decide what they can afford?

As I approach age 40, I think that I need a new way of determining what extras (i.e., toys) can I afford. In my teens, it was easy. I saved half, and I spent half. Since my expenses were zero, I spent 1/2 on whatever I wanted. In my twenties, it was easy. I didn't have disposable income for the mos...
by dcabler
Tue Apr 09, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6408

Re: How Much Do You Pay For Haircut?

Every 4 or 5 weeks. Haircut + Beard Trim. Usually runs about $40-$50, depending on which of the two shops I go to.