Search found 955 matches

by dcabler
Tue Jun 25, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 15
Views: 1393

Re: Thank you, Honda - repair story

What? Is this a common issue among Honda Civics in that year? If not, I don't think it is reasonable to base your perception of the brand on one broken thing in several years of ownership, in one sample out of thousands, which the company paid to fix (which to me, is a sign that it is unusual that ...
by dcabler
Sat Jun 22, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2252

Re: Carryon luggage for international travel

I have a hard side carry-on with wheels that I have used often on domestic airlines. It is 22 inches long and the wheels protrude an extra inch. The U.S. regulation says 22 inches but I have never had a problem. The Lufthansa web site says for international travel that the max is 55 CM which conver...
by dcabler
Sat Jun 22, 2019 5:58 am
Forum: Investing - Theory, News & General
Topic: Small Value vs Multifactor
Replies: 30
Views: 1902

Re: Small Value vs Multifactor

If I want to tilt a bit for higher volatility and possibly higher returns, should I use the old-fashioned Small Value or the newfangled Multifactor? I go small value and mid value. You get 3 factors of Beta, size, and value and you can do so relatively cheaply. Specifically with IJS for small value...
by dcabler
Fri Jun 21, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 9822

Re: Permanent DINK couples - Considerations, thoughts, etc?

Doesn't sound much different from us --- except we had kids. 1. Rented until late 30's. 2. No kids until late 30's. 3. Never bought life insurance. 4. Our emergency fund was invested since our taxable account grew large enough to not bother with cash anywhere. I guess you could do what we did: Inve...
by dcabler
Thu Jun 20, 2019 3:04 pm
Forum: Personal Investments
Topic: Which Fidelity US and Int Index is recommended
Replies: 5
Views: 364

Re: Which Fidelity US and Int Index is recommended

I'd start by looking at their zero e/r funds
FZROX: US
FZILX: International
by dcabler
Thu Jun 20, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: HR telling my wife not to contribute 100% of her salary to 401k
Replies: 24
Views: 4323

Re: HR telling my wife not to contribute 100% of her salary to 401k

My wife recently returned to work after giving birth to our baby daughter. Because she is now only working part time and just started working mid year, I increased her tradituonal 401k contributions to 100% so we max out by the end of the year. Her employer's human resources department however is t...
by dcabler
Tue Jun 18, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I'm on it, but the Signal-to-Noise ratio is extremely low, I'm afraid. Lower even than other social media.... People are starting to make fun of it by posting things like "attention neighbors, the sun rose this morning" because something along those lines seems to be what an average post looks like....
by dcabler
Tue Jun 18, 2019 9:45 am
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 52
Views: 3410

Re: For those of you who have a factor diversified portfolio, what is yours?

Thanks guys. So many go with small cap / value funds. How about momentum and quality? Those seem to be beneficial factors as well. SP 600 small cap value funds also screen for quality as well as small and value. I do have interest in momentum but hard to pick SCV fund AND Mom fund as they can cance...
by dcabler
Tue Jun 18, 2019 9:17 am
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 52
Views: 3410

Re: For those of you who have a factor diversified portfolio, what is yours?

Thanks guys. So many go with small cap / value funds. How about momentum and quality? Those seem to be beneficial factors as well. SP 600 small cap value funds also screen for quality as well as small and value. I do have interest in momentum but hard to pick SCV fund AND Mom fund as they can cance...
by dcabler
Tue Jun 18, 2019 6:54 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 321
Views: 37331

Re: How Bad was 2008, really?

Worked in Tech (still do), but we had lots of layoffs during that time, but it didn't happen to me then, fortunately. I had no clue about diversification in my 401k/rollover IRA and was highly concentrated in stock, along with some international bonds, all of which were managed funds. In October 200...
by dcabler
Mon Jun 17, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11293

Re: With hindsight, what signs indicated you were about to lose your job?

I was never fired, but I did observe a pattern that took place at the Megacorp that I worked at for most of my career. This cycle repeated itself roughly every 5 years. Phase 1 - normal hiring in process (nothing unusual is taking place with the volume of hirings or firings) Phase 2 - hiring freeze...
by dcabler
Sun Jun 16, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11293

Re: With hindsight, what signs indicated you were about to lose your job?

1. When, as a manager, you and your peers know a layoff is coming and you send in your names and the usual meeting where we horsetrade never happens. 2. When, as a manager, you already know a layoff is coming but some Droid from HR sends you an email asking if you have a sabbatical you haven't taken...
by dcabler
Sun Jun 16, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 846
Views: 280932

Re: Variable Percentage Withdrawal (VPW)

Question: On the "Table" tab of the VPW document, the Long-Term Real Growth Trends is set to 5.0% for stocks and 1.8% for bonds, and there is a note that this is based on data from Credit Suisse Global Investment Returns Yearbook 2016. When I look at the Credit Suisse Global Investment Returns Year...
by dcabler
Fri Jun 14, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Should I rent a car in Croatia? And other recommendations?
Replies: 11
Views: 827

Re: Should I rent a car in Croatia? And other recommendations?

DW and I are going to Dubrovnic in September for about 10 days on a vacation. One of the friends said that Split is just a port town and I am better off staying in Dubrovnic and doing day trips. I wonder if we can rent a car and make day trips to Serbia, Montenegro etc. If we rent a car, is it easy...
by dcabler
Fri Jun 14, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 118
Views: 8223

Re: Article on high deductible health plans - and the math

Similar to a poster above. I'm now working for my first company that only provides a HDHP plan + HSA and they pay 100% of the premiums for my family of 3. Every time I start to complain, I remember the spreadsheet analysis I did for our usual medical expenses with my last company with a traditional ...
by dcabler
Fri Jun 14, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3501

Re: Which shaving cream / oil?

I used "King of Shaves" for years because just about everything else resulted in a breakout, especially under my chin. It's a transparent gel, no foaming. Available from Amazon, among other places.

Then I grew a full beard - no more shaving issues. :D
by dcabler
Thu Jun 13, 2019 3:20 pm
Forum: Investing - Theory, News & General
Topic: Consolidate numerous accounts or leave them alone
Replies: 2
Views: 333

Re: Consolidate numerous accounts or leave them alone

I currently have many accounts scattered across several institutions. With Personal Capital, it's not really a problem, but maybe I should consolidate a bit Vanguard is good because I can buy their funds and IVV commission-free 1. Taxable 2. Traditional IRA TD was my first account, but I don't like...
by dcabler
Thu Jun 13, 2019 12:02 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6221

Re: Do Fidelity Offices/Advisors Add Value?

Been with Fidelity since I started investing. No issues at all with them. Never got a sales pitch, though I sometimes get an email from the person assigned to me to "go over things". Nope, no thanks. Most of my money is there and nearly all of it in index funds. I do have a taxable Vanguard account ...
by dcabler
Thu Jun 13, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium
Replies: 65
Views: 5303

Re: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium

The Fundadvice Ultimate Buy & Hold portfolio has been the worst of the lazy portfolios tracked over the last decade at MarketWatch https://www.marketwatch.com/lazyportfolio Are we supposed to take meaningful conclusions from a decade of performance? Certainly not. This being said, in all fairness, ...
by dcabler
Wed Jun 12, 2019 9:40 pm
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3714

Re: Asset allocation for those in their late fifties

58 and 59 and we're around 60/40
by dcabler
Wed Jun 12, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium
Replies: 65
Views: 5303

Re: Karsten (Early Retirement Now) Pens a Serious Challenge to Merriman and the Small/Value Premium

Merriman’s portfolio is equal weighted on value for small AND large cap, so focusing on just the small is curious. ie The S&P 500 beat his portfolio because of large cap growth. The way he did his analysis, hard to carve out how much of the story was size vs how much was due to Merriman being 50% i...
by dcabler
Tue Jun 11, 2019 7:59 am
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2224

Re: HSA - Save Reciepts When Paying Bills?

Receipts: Scan, save, and toss.
by dcabler
Sun Jun 09, 2019 8:54 am
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 113
Views: 9385

Re: why are Small Caps falling?

This is not on topic for the thread title, but the thread has drifted towards longer returns than the most recent ones. McClung ran each of the equity sub-asset classes in a retirement spending calculator. As expected, Small Growth was worst, but Large Growth was second worst, so he leaves the mutu...
by dcabler
Sun Jun 09, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Notify insurance or not?
Replies: 22
Views: 2122

Re: Notify insurance or not?

Do it. You have no idea what the other owners are going to say to their insurance companies about what happened during the accident when they contact them.
by dcabler
Sun Jun 09, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 55
Views: 4083

Re: Things to do in Maine

Acadia National Park
Schooner Cruise - we went on the Isaac H. Evans. It has since gotten a new owner, but there are many of these.
https://visitmaine.com/things-to-do/on- ... er-cruises
by dcabler
Sat Jun 08, 2019 6:04 am
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 113
Views: 9385

Re: Why are Small Caps falling? -- The solution

Bogleheads: This is a stressful time for owner's of Small-Cap factor stocks. Own the market (as our mentor recommends) and you will avoid the stress of market under-performance. Best wishes. Taylor I own quite a bit of small and mid cap and have for years. Not feeling stressed in the least. There a...
by dcabler
Fri Jun 07, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: The logical fallacy behind "Bonds Are For Safety"
Replies: 248
Views: 15448

Re: The logical fallacy behind "Bonds Are For Safety"

Fruitcake soaked with rum is very good! Me, I treat my bonds with the soft bigotry of low expectations concerning many of their measurements of suitability. Broken Man 1999 I was actually thinking about Sodium being poisonous, Chlorine being poisonous, but when put together to form salt.... is less...
by dcabler
Fri Jun 07, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2750

Re: how to deal with people who are not living boglehead way of life

Agree with all of the others - don't give advice unless asked. Even then, when I'm asked, I send the requestor several links/books to get them started - then back away. There are always those that will listen to "authority" before they listen to you.
by dcabler
Thu Jun 06, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Filter drinking water when water softener is installed?
Replies: 5
Views: 510

Re: Filter drinking water when water softener is installed?

Further filtering of softened water isn't strictly required, unless you just want to or if there are other considerations with the water system you have. We have a softener but we get our drinking water from our fridge which has an activated carbon filter. I know some who have a reverse osmosis syst...
by dcabler
Wed Jun 05, 2019 6:43 am
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 6811

Re: Downsides of VPW?

I/we intend to use this method. I do not know the research into downsides, really have not paid attention to that. I view the downside as having to have enough cash or cash equivalents available to tolerate (psychologically and financially) small withdrawals if needed. Because of this we are growin...
by dcabler
Tue Jun 04, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8247

Re: Costco or Sam's Club?

I have memberships at both because there are things that one has that the other doesn't OR when both have what I'm looking for, sometimes I prefer one over the other. yes, the parking lot at Costco can be crazy. Never had an issue at Sam's, but they've closed a lot of their stores over the last coup...
by dcabler
Tue Jun 04, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 6811

Re: Downsides of VPW?

I think the biggest downside of VPW, for some people, is the potential for significant income changes from year to year. This can be an issue for folks who have always used a strict biweekly/monthly/yearly budget, and match cash flows of income/outgo. We've been on a highly variable, bonus based sa...
by dcabler
Mon Jun 03, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Convince me to sell ESPP / Company Stock
Replies: 22
Views: 1133

Re: Convince me to sell ESPP / Company Stock

I know the standard practice. Sell ESPP / company stock. You don't want your employment to be too correlated to your investment. What if you are working for a megacorp that you believe really has a long term future? Is it ok to hold on to company stock? The way I am thinking is maintaining a weight...
by dcabler
Mon Jun 03, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: 4 Seasons Portfolio
Replies: 40
Views: 4383

Re: 4 Seasons Portfolio

Welcome to Bogleheads. As you're already seeing, there are as many ideas for portfolios as there are people who come up with them. There is no "best" portfolio. Many, BH'ers, like the simplicity of the 3-Fund portfolio, but even that portfolio causes endless disagreements about how much, if any, int...
by dcabler
Mon Jun 03, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6525

Re: What do business pros wear on redeye Business Class flights

I'm flying across the pond for a business conference soon, which means a life-flat business class seat for the overnight transatlantic flight. For the business travel pros out there, what do you typically see fellow travelers wear for these flights? Think law firm/consulting partners, C-suite execs...
by dcabler
Sun Jun 02, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1486

Re: American Express green card

I have had the thing forever, and yes it has a fee, and yes fee has increased over time. OTOH I put enough through it every month the rewards points more than make up for the fee, even though I don't have any business travel expenses to run through it. I know it sounds dumb, but its been an importa...
by dcabler
Sun Jun 02, 2019 5:05 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10881

Re: How long have you been unemployed?

58. Layed off 4 times. First one unemployed about 4 months around 2004. Saw it coming and already had an interview scheduled which went well. Just took a while to get an offer. Second one around 2012. Was done WARN act style so was notified in October, but paid through the end of the year. Was worki...
by dcabler
Fri May 31, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Best Pool Vacuum for the $$
Replies: 12
Views: 809

Re: Best Pool Vacuum for the $$

Wanted to add that pool cleaners help the chlorine to do its job by removing the organic matter and extra sand surfaces that algae spores can hide on. But good chlorine control is number 1 when it comes to algae. I recommend reading troublefreepool.com for the best tips on controling water chemistr...
by dcabler
Thu May 30, 2019 3:58 am
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 214
Views: 13872

Re: Market timers thread

This thread got completely ruined by “stay the course” posters. This board is dedicated to the proposition that you can't successfully time the market. I think that to not expect backlash to a market timing thread is a little naive. 3) why the need to go tell other people what to do with their mone...
by dcabler
Thu May 30, 2019 3:43 am
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 214
Views: 13872

Re: Market timers thread

Who are these guys/gals that run and write for this site? Could find no background on that. Much has been written about how some top pros, probably those with the quantitative prowess and behavioral discipline you mention, have beaten the market, though not consistently. As for the rest of us, it's...
by dcabler
Wed May 29, 2019 2:44 am
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3187

Re: How can I check my portfolio as little as possible?

Because there is so much personal psychology involved in your question, it's tough for anybody to give you good advice on what you should do since it's doubtful anybody on this forum knows you as well as you know yourself. Then again, I've never really cared for some of the absolutist statements thr...
by dcabler
Tue May 28, 2019 5:17 am
Forum: Personal Investments
Topic: Has anyone done well with value investing?
Replies: 11
Views: 1352

Re: Has anyone done well with value investing?

Fwiw, I absolutely believe that it is possible, but much riskier than the Bogle approach. I think it depends on your definition of risk. From a volatility standpoint, I agree. And I can easily see how such a choice may end up with underperformance relative to a TSM philosophy over long time periods...
by dcabler
Tue May 28, 2019 4:56 am
Forum: Personal Investments
Topic: Has anyone done well with value investing?
Replies: 11
Views: 1352

Re: Has anyone done well with value investing?

I had read that value investing outperforms growth. As such I own (amongst other things) S&P 500 (VFIAX), Large value (VVIAX), Small Cap (VSMAX) and Small Value (VSIAX). The 10 year return of the value funds are close to 1% below the blended funds. As such. I’m rethinking that strategy. On the stoc...
by dcabler
Sat May 25, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Low Flow Shower Heads
Replies: 11
Views: 1141

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: 4134

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: 2893

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: 2893

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: 3504

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: 810

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...