Search found 702 matches

by bubbadog
Wed Jan 16, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45280

Re: John Bogle is dead at 89

Thank you Mr. Bogle for all you have contributed and a life well lived.

You have impacted millions of lives including mine.

May you rest in peace.
by bubbadog
Tue Jan 15, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 3980

Re: Brake fluid replacement?

I always try to follow the manufacturer's recommendations for maintenance. I follow the maintenance minder on my Hondas. There is a note in the manual saying the brake fluid should be changed every 3 years. I missed it and by the time I noticed it, the car was so old, I was afraid the bleeders woul...
by bubbadog
Mon Jan 14, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a retirement date. Or enough is enough?
Replies: 33
Views: 4166

Re: Help me pick a retirement date. Or enough is enough?

You can easily retire at 62.5 if you choose.

Your plan seems pretty solid provided the pension is secure.

If I did not enjoy my job, that's what I would probably do.

Best of luck with your decision.
by bubbadog
Mon Jan 14, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8707

Re: Getting a Mortgage when You can Pay Cash for a House

How much do you save in closing costs/origination fee by paying with cash 5K ? 10K ? .That is worth something. I had this exact situation a couple of years ago. I chose to go ahead and pay for the house in full. Maybe I could have done better investing the difference. I saved quite a bit on closing...
by bubbadog
Sun Jan 13, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping collision insurance on auto policy for older car?
Replies: 25
Views: 2125

Re: Dropping collision insurance on auto policy for older car?

Our college-aid daughter recently totaled our 2011 Honda Civic. The insurance company gave us $9,000. Our remaining vehicle is a 2004 Honda Odyssey with low miles (about 80,000) but lots of dings and scratches on the body. I’m guessing it’s worth, at most, $2,500. My question is whether I should dr...
by bubbadog
Sun Jan 13, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping collision insurance on auto policy for older car?
Replies: 25
Views: 2125

Re: Dropping collision insurance on auto policy for older car?

Our college-aid daughter recently totaled our 2011 Honda Civic. The insurance company gave us $9,000. Our remaining vehicle is a 2004 Honda Odyssey with low miles (about 80,000) but lots of dings and scratches on the body. I’m guessing it’s worth, at most, $2,500. My question is whether I should dr...
by bubbadog
Fri Jan 11, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10270

Re: Millionaire by 40 and How you Did it?

Finished residency at age 29. Worked in emergency medicine for above average compensation in a LCOL area. Saved over half of my income. Pretty simple formula. Funny how medicine works. You get paid above average wages in MCOL/LCOL areas, but below average in HCOL. My wife could make 50% more if we ...
by bubbadog
Fri Jan 11, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10270

Re: Millionaire by 40 and How you Did it?

Finished residency at age 29.

Worked in emergency medicine for above average compensation in a LCOL area.

Saved over half of my income.

Pretty simple formula.
by bubbadog
Thu Jan 10, 2019 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting VTSAX
Replies: 8
Views: 771

Re: Tax loss harvesting VTSAX

Is VTSAX and VFIAX are treated as same for TLH? I use these funds for TLH purposes. You should be fine. Just make sure you don't make any accidental purchases via dividends/capital gains within the 30 day window on either side of the TLH. Putting CGs and dividends into a money market fund and not a...
by bubbadog
Wed Jan 09, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6426

Re: Large SUV

Kids are 10 and 11. 2008 Odyssey is on its last legs. I'm looking at the Pilot and the CX-9. Haven't driven either yet but the CX-9 is favored right now. I've read the storage in the Pilot is larger, but I'll typically have the third row down anyways leaving plenty of storage. We have a 2016 CX-9 (...
by bubbadog
Sun Jan 06, 2019 4:58 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5983

Re: How do you view a savings surplus in retirement?

If I had a relatively small surplus of say 25% as in your example, I would view it as a cushion. It would have never dawned on me to consider 25% a relatively small cushion, maybe 5%-10%, but I would view 25% as substantial so can you help me to understand your perspective. Remember December? Very ...
by bubbadog
Sun Jan 06, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5983

Re: How do you view a savings surplus in retirement?

If I had a relatively small surplus of say 25% as in your example, I would view it as a cushion. It would have never dawned on me to consider 25% a relatively small cushion, maybe 5%-10%, but I would view 25% as substantial so can you help me to understand your perspective. Remember December?
by bubbadog
Sun Jan 06, 2019 11:08 am
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5983

Re: How do you view a savings surplus in retirement?

If I had a relatively small surplus of say 25% as in your example, I would view it as a cushion.
by bubbadog
Sat Jan 05, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: Best way to move on from pricy car?
Replies: 35
Views: 2304

Re: Best way to move on from pricy car?

Best way to move on from pricey car?

Sell it sooner rather than later.

Your G wagon is dropping in value each day you own it. Just like almost all newer cars.
by bubbadog
Sat Jan 05, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20290

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Without reading every reply in detail the #1 thing you have to realize that is the credit cards are not your problem. they are just a symptom - Your true problem is that you are living a mid 6 figure lifestyle with a 5 figure income. You HAVE to break the over spending cycle. Bankruptcy would just ...
by bubbadog
Sat Jan 05, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Used car purchase
Replies: 9
Views: 799

Re: Used car purchase

Almost always, keeping the car you already own is the least expensive option.

We all try to justify a new purchase based on numbers that work in our favor.

If you want the car, that is fine, but I very much doubt that it is saving you money.


Best of luck
by bubbadog
Fri Jan 04, 2019 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is the 3 fund asset allocation my best option?
Replies: 42
Views: 2052

Re: Is the 3 fund asset allocation my best option?

Perfect is the enemy of good.

A simple 3 fund portfolio seems like a great plan and a very good place to start.

Keep it simple.
by bubbadog
Fri Jan 04, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4730

Re: 11 days in Europe...Budget and logistical advice please

We went to Paris, Switzerland, and Venice in the summer of 2017. The highlight for us was Berne/Interlaken Switzerland. We took the high speed train out of Paris to Switzerland and stayed in Berne. A day trip to Interlaken from Berne was awesome. Venice was our least favorite location. We found the ...
by bubbadog
Fri Jan 04, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Ski Sierra Club vs. DIY
Replies: 21
Views: 1287

Re: Yellowstone Ski Sierra Club vs. DIY

I just got back from West Yellowstone on a 5 day snowmobile trip. You might be able to stay in West and ski in the adjacent Targhee/Gallatin National Forests for a lot less. Just a thought Please post your trip details. We have been looking for the same kind of trip this year. You asked and I am ha...
by bubbadog
Thu Jan 03, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Ski Sierra Club vs. DIY
Replies: 21
Views: 1287

Re: Yellowstone Ski Sierra Club vs. DIY

I just got back from West Yellowstone on a 5 day snowmobile trip. You might be able to stay in West and ski in the adjacent Targhee/Gallatin National Forests for a lot less. Just a thought Please post your trip details. We have been looking for the same kind of trip this year. You asked and I am ha...
by bubbadog
Thu Jan 03, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Ski Sierra Club vs. DIY
Replies: 21
Views: 1287

Re: Yellowstone Ski Sierra Club vs. DIY

I just got back from West Yellowstone on a 5 day snowmobile trip. You might be able to stay in West and ski in the adjacent Targhee/Gallatin National Forests for a lot less.

Just a thought
by bubbadog
Thu Jan 03, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2889

Re: Thoughts on the new Maxima?

I rented a 2018 Maxima last week and drove it about 700 miles.

I did not like the car at all.

There are many other cars in this segment that are likely better overall values.
by bubbadog
Tue Jan 01, 2019 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Am I retirement ready?
Replies: 51
Views: 4892

Re: Am I retirement ready?

At 3 million net worth, you are probably in the top 2-3% of the US. If you can't retire, who can? It seems like you are trying to choose between 2 really good options. Your plan, from a financial perspective, seems more than solid to me. Maybe consider a less aggressive AA, especially if you decide...
by bubbadog
Tue Jan 01, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8947

Re: How to afford a sports car?

S2000s hold their value very well unlike most other cars. Honda reliability and very fun to drive. When you get tired of it as a daily driver you can likely sell it for what you paid for it years later. You may even make a few bucks. What other cars can you buy in that price range and not lose mone...
by bubbadog
Tue Jan 01, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2510

Re: Snow Plowing

I use a small plow mounted on my Honda ATV.

I also do many of my neighbors' drives.

We don't get much snow so I actually look forward to playing around 2-3 times each winter.
by bubbadog
Sun Dec 30, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Am I retirement ready?
Replies: 51
Views: 4892

Re: Am I retirement ready?

At 3 million net worth, you are probably in the top 2-3% of the US. If you can't retire, who can? It seems like you are trying to choose between 2 really good options. Your plan, from a financial perspective, seems more than solid to me. Maybe consider a less aggressive AA, especially if you decide ...
by bubbadog
Sun Dec 30, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Am I retirement ready?
Replies: 51
Views: 4892

Re: Am I retirement ready?

Seems to me you are in good shape to retire if you choose.

Your wife providing healthcare till 65 makes a huge difference.

79% equities does seem a little high heading into retirement.

Congrats :sharebeer
by bubbadog
Thu Dec 27, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: MIL looking for a large "luxury" sedan
Replies: 51
Views: 4990

Re: MIL looking for a large "luxury" sedan

I will give you a dark horse suggestion, the Kia K900. It is a large "S class Mercedes" size V8 luxury car. 2-3 year old low mileage versions are in the mid to upper 20s (60K+ new). The resale value is horrible and that may work to your advantage. Most people do not even know they exist as they only...
by bubbadog
Tue Dec 25, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: 401k 457 and 403 catch up provision for 50 and older
Replies: 14
Views: 705

Re: 401k 457 and 403 catch up provision for 50 and older

Not true.

For 2019, I plan on putting $19,000 plus $6,000 age 50 and over catch up contribution in my 403b.

If you turn 50 in 2019, you are eligible.
by bubbadog
Mon Dec 24, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21045

Re: Whose buying today? where's all the "dry powder" folks at? :)

I bought some S&P 500 today.

I didn't have a lot of "dry powder" lying around, just a little excess funds in my checking account.

:beer
by bubbadog
Mon Dec 24, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790261

Re: U.S. stocks in free fall

I'm going to sound very condescending here - but days like today remind me how how skittish and, frankly, foolish most personal investors seem to be. People follow the sensationalized news articles (WORST DECEMBER IN FOREVER, SELL SELL SELL) and end up shooting themselves in the foot. It's incredib...
by bubbadog
Sat Dec 22, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: London Neighborhood Recommendation
Replies: 37
Views: 2483

Re: London Neighborhood Recommendation

Yet another vote for Mayfair.

We stayed there last summer.

Literally walked across a park to Buckingham Palace.

Have a great trip!
by bubbadog
Mon Dec 17, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: 403b purchases and wash sale
Replies: 7
Views: 932

Re: 403b purchases and wash sale

OP here. I did my TLH with VTSAX and chose to ignore my Fidelity 403b Fidelity Total Stock Market Index fund. An argument can be made to justify my decision. IE, they aren't substantially identical or 403b accounts aren't considered for TLH. If the IRS doesn't allow it it , I guess I just pay the ta...
by bubbadog
Mon Dec 17, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: 403b purchases and wash sale
Replies: 7
Views: 932

403b purchases and wash sale

Do purchases within 403b accounts affect tax loss harvesting in a taxable account? From my limited research, it appears it does for IRA accounts but I have not found anything specific regarding 403b accounts. I have substantially identical mutual funds in my taxable and 403b accounts. (Vanguard Tota...
by bubbadog
Sun Dec 16, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1190

Re: Tax Loss Harvesting Question - Simple

Are your accounts set to automatically reinvest dividends?

Do you own additional shares of VXUS?

If so, you would want to change to not automatically reinvest in order to TLH.

Good luck
by bubbadog
Thu Dec 13, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 15
Views: 894

Re: Tax gain harvesting for UTMA acoount

Update: I checked with my accountant and they gave me the OK to tax gain harvest my son's account.

I suspect a lot of people whose children have taxable accounts with some LTCGs will take advantage of the 0% tax rate on capital gains.

Thanks to all that helped! :sharebeer
by bubbadog
Tue Dec 11, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 15
Views: 894

Re: Tax gain harvesting for UTMA acoount

HueyLD and Grt2bOutdoors thanks for your advice!

I have some reading to do. :confused
by bubbadog
Tue Dec 11, 2018 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 15
Views: 894

Re: Tax gain harvesting for UTMA acoount

If he has income of only $6,000 from summer work and $5,000 max in capital gains, he should not owe any federal income tax, correct? I assume he would owe some additional state tax. Trying to understand this and perhaps get his basis close to the current value of the account while he is a student a...
by bubbadog
Mon Dec 10, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 15
Views: 894

Re: Tax gain harvesting for UTMA acoount

If he has income of only $6,000 from summer work and $5,000 max in capital gains, he should not owe any federal income tax, correct? I assume he would owe some additional state tax. Trying to understand this and perhaps get his basis close to the current value of the account while he is a student a...
by bubbadog
Mon Dec 10, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 15
Views: 894

Re: Tax gain harvesting for UTMA acoount

If he has income of only $6,000 from summer work and $5,000 max in capital gains, he should not owe any federal income tax, correct? I assume he would owe some additional state tax. Trying to understand this and perhaps get his basis close to the current value of the account while he is a student an...
by bubbadog
Mon Dec 10, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 15
Views: 894

Tax gain harvesting for UTMA acoount

My 20 year old son has a UTMA account with a current value of around $30,000 invested 100% in VG total stock market index. He has an income of about $6,000 this year from summer work. About $5,000 of his account value is unrealized capital gains (basis of 25K) which the majority are long term gains....
by bubbadog
Tue Dec 04, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2571

Re: Highly Compensated Employees/Deferred Compensation Plans

justsomeguy2018 wrote:
Tue Dec 04, 2018 8:13 pm
Has anyone ever worked at a place that capped your 401k contribution limits for Highly Compensated Employees?

Or participated in a Deferred Compensation Plan with employer match?
Yes, but it was much preferred over being in the other employee group.
by bubbadog
Fri Nov 30, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Losing job soon but have big nest egg -- problem?
Replies: 25
Views: 4810

Re: Losing job soon but have big nest egg -- problem?

Just want to give an update from the OP. I ended up finding another job before I lose my original job but with a 30% paycut. But the new job is less stressful, in the city proper so i get to network and allow me flexibility. I did a recalc on my investments and i think I will work for another 10 ye...
by bubbadog
Fri Nov 30, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: moving an expensive car across several states
Replies: 9
Views: 593

Re: moving an expensive car across several states

I used Intercity for an expensive sports car.

It was shipped from California to Ohio without a problem.

Good luck
by bubbadog
Mon Nov 26, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5563

Re: New TV Recommendations Please?

OLed has come way down. THe LG Electronics OLED65B8PUA 65-Inch 4K Ultra HD Smart OLED TV (2018 Model) is a great TV. Its 2199 now. It was over 3k in dec 2016. Sony has entered this market as well. This is a key dynamic: Display technology changes quickly, and prices drop quickly - given a budget $X...
by bubbadog
Sat Nov 24, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5563

Re: New TV Recommendations Please?

OLED is the latest technology and is widely considered to have the absolute best picture quality. Downsides are they are more expensive, the risk of burn in from static images left on the screen for a prolonged time, and they are generally not as bright as LED TVs. Picture quality also does not deg...
by bubbadog
Fri Nov 23, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5563

Re: New TV Recommendations Please?

All of the TVs made now are 4K TVs. First decision is if you want an LED (also referred to as LCD TVs) vs OLED TV. OLED is the latest technology and is widely considered to have the absolute best picture quality. Downsides are they are more expensive, the risk of burn in from static images left on t...
by bubbadog
Wed Nov 21, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Help me winterize my Civic
Replies: 14
Views: 1287

Re: Help me winterize my Civic

I am in the process of trying to make Northeast winter driving a little bit more manageable this year and need some help. Tires: Does anybody have any experience buying winter tires for Civics? Is it worth it? Any recommendations? Weight: Would adding weight to the car help with snowy driving? Bric...
by bubbadog
Mon Nov 19, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 89
Views: 12775

Re: How do Bogleheads buy cars?

tim1999 wrote:
Mon Nov 19, 2018 9:20 pm
2-3 year old Hyundai Genesis sedan is what I'd recommend to the OP.
+1

Best kept secret in the used car market.

Great cars with high initial depreciation.

Works in your favor as a used car buyer.
by bubbadog
Wed Nov 07, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pricing a car sale to a friend
Replies: 7
Views: 567

Re: Pricing a car sale to a friend

terran wrote:
Wed Nov 07, 2018 12:46 pm
I would suggest Kelley Blue Book trade in value. Or take it to Carmax or a dealership and sell it to your friend for whatever they offer.
+1 Seems fair

I did the same thing recently (trade in value)