Search found 258 matches

by FullYellowJacket
Fri Oct 27, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7863

Re: Can I retire today?

The only thing I can think is that perhaps you should consider Roth conversions of that tax deferred money up to the top of the 15% bracket until SS kicks in and your tax bracket may go up. Thanks, but I think I'm squarely in the 25% bracket from now until eternity. Not a bad problem to have! :shar...
by FullYellowJacket
Fri Oct 27, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7863

Re: Can I retire today?

The only thing I can think is that perhaps you should consider Roth conversions of that tax deferred money up to the top of the 15% bracket until SS kicks in and your tax bracket may go up.

Edit: Congratulations! Above assumes you are retiring.
by FullYellowJacket
Fri Oct 27, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4655

Re: How Well Do You Know About Retirement Income?

I have a firm belief in understanding things you take a stance on. If you think annuities are bad, one should take the time to understand them. Having said that, I got 36/38 missing the two questions on who pays the most for LTC and what % needs LTC. I did know that the largest burden of elderly car...
by FullYellowJacket
Wed Oct 25, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15021

Re: 2018 ACA rates now live....

Looks like California still has reasonable health care prices. If we did not have employer insurance it looks like we would be paying 800 per month for a bronze health plan for a family of 3.
by FullYellowJacket
Tue Oct 24, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11760

Re: Can one have too much money in tax-deferred

Frankly I have not seen a scenario where someone saved money long term by contributing to a taxable account instead of a Traditional 401(k). Perhaps if the money you are saving is in a no tax state and you retire in a high tax state AND have a higher marginal tax rate?
by FullYellowJacket
Mon Oct 16, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6106

Re: Is Florida Over, 2017

Bogleheads: I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level. What has risen is property value and taxes. Best wishes. Taylor Point well taken. Watch the 1960 movie "Where The Boys Are" and you will see the ocean distance ...
by FullYellowJacket
Mon Oct 16, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6106

Re: Is Florida Over, 2017

There are various sea level rise maps you can consult that show the effect of various levels of rise. If the goals of The Paris Agreement come to pass then most of Florida will be fine. I just wouldn't want to be anywhere near flood plains. Unfortunately some amount of sea level rise is already bake...
by FullYellowJacket
Fri Oct 06, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 16409

Re: Bogle himself is saying we will expect like 3% for the next decades

Asking where growth will come from in the future is similar to someone in 1950 asking about when will the microchip or integrated circuit be invented. All it takes is a few scientific breakthroughs and growth is limitless. My barely educated opinion is that major breakthroughs in energy and energy t...
by FullYellowJacket
Tue Oct 03, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1813

Re: Visiting Paris - should we buy tickets in advance?

DW and I visited Paris off-season (March) a few years ago. We didn't have any problems buying all tickets at the amusements. The Eiffel Tower line took maybe 5 minutes to go through around 10:00 AM.
by FullYellowJacket
Thu Sep 28, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Best Veggie Sandwich in South Bay Area
Replies: 4
Views: 364

Re: Best Veggie Sandwich in South Bay Area

And now that I think about it I think you should clarify what you mean by South Bay Area. Do you mean "South Bay" Area, AKA the part of LA that contains Torrance, Manhattan Beach, etc? Or do you mean the South "Bay Area" which would be San Jose, Sunnyvale, etc?
by FullYellowJacket
Thu Sep 28, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Best Veggie Sandwich in South Bay Area
Replies: 4
Views: 364

Re: Best Veggie Sandwich in South Bay Area

While technically not in the South Bay, there are a handful of really good vegan/vegetarian spots on Abbot-Kinney in Venice that make good veggie sandwiches.
by FullYellowJacket
Thu Aug 31, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2633

Re: Evaluating risk of flooding in the "new normal"

My house is built two feet above the previous flood of record. FEMA Flood Zone X only requires one foot. I took on 31" of water last year (considered a 500 year or 1,000 year flood depending on who you talk to). I am quite a bit higher than what surrounds me and not in danger of a dam burst. The wa...
by FullYellowJacket
Wed Aug 30, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: [How can people avoid the estate tax?]
Replies: 22
Views: 2317

Re: [How can people avoid the estate tax?]

It's also possible that one philosophically agrees with the estate tax and therefore does not try to avoid it.
by FullYellowJacket
Thu Aug 10, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8266

Re: "Upper Middle" Class - ditch WLI or ride it?

Term life (if you needed it, I don't think it makes any sense to get it before starting a family) is much cheaper for much more coverage. 1/10th of the cost per year will provide double the death payout. Invest the difference and your net worth will thank you.
by FullYellowJacket
Tue Aug 01, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 8938

Re: Greenspan: Look Out When Bonds Pop

Does Greenspan have any credibility any more?
by FullYellowJacket
Tue Jul 25, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2681

Re: Pausing 401k to Pay Debts?

Since you are in the 28% bracket, you must have a very large level of debt. Is there any chance you could sell your cars and replace them with cheap cars to wipe out the car debt? Obviously if your cars are under water this is not much of an option. Do you have a spare room/area in your house that y...
by FullYellowJacket
Fri Jul 14, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Suing soon to be former employer, do I have a case?
Replies: 17
Views: 2201

Re: Suing soon to be former employer, do I have a case?

I swear colleges/high schools need to start offering a mandatory class that COMPANY HR AND LEGAL IS NOT YOUR FRIEND. They are their to protect the company, not you.
by FullYellowJacket
Fri Jul 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Suing soon to be former employer, do I have a case?
Replies: 17
Views: 2201

Re: Suing soon to be former employer, do I have a case?

Don't ask us. Contact a local labor lawyer to see if you have a case.
by FullYellowJacket
Mon Jul 10, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Slovenia, Croatia, Montenegro
Replies: 13
Views: 1429

Re: Slovenia, Croatia, Montenegro

Hey I'm OP from that thread! Enjoy the trip! One thing: When you go to Bled do not forget to head to Vintgar Gorge for one of the most beautiful hikes of your life. DW and I hiked there from Bled to get some countryside views, but we are big hikers. The only other thing we did that is not on this li...
by FullYellowJacket
Fri Jul 07, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 3901

Re: Why has Vanguard Total International (VTIAX/VXUS) underperformed?

Lack_ey, Interestingly, all of Vanguard's active international funds have outperformed in respective categories. This shows costs definitely still matter. So far it seems like my answer is market weighting emerging markets has really been a negative, which probably explains VTIAX underperformance. I...
by FullYellowJacket
Fri Jul 07, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 3901

Re: Why has Vanguard Total International (VTIAX/VXUS) underperformed?

But wouldn't USD strengthening have caused a drag in other international funds? Are non-hedged int'l funds a minority?
by FullYellowJacket
Fri Jul 07, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 3901

Why has Vanguard Total International (VTIAX/VXUS) underperformed?

The title says it all. I'm curious as to some explanations as to why Vanguard Total International (VTIAX) has underperformed it's category so strongly (5 year it is in the bottom 50%). I've also noticed that Vanguard Emerging Markets has strongly underperformed category where one has to go back to 1...
by FullYellowJacket
Thu May 25, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: "Land ownership" in a high rise condo
Replies: 8
Views: 1471

Re: "Land ownership" in a high rise condo

My HOA documents actually make it quite clear that I directly own 1/35th of all common areas in the complex (pool, elevator, etc.). In the event of natural disaster/force majeure that requires demolition of the building. I get 1/35th of value of loss for the building and 1/35th if the homeowners agr...
by FullYellowJacket
Mon May 15, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11148

Re: Tipping for restaurants where you order at the counter

A game! A take out sandwich at a deli? No A cup of black coffee at $Bux or the Bou? Yes, but I usually get an americano if I want a cup of coffee at starbux A cup of ice cream or cone at an ice cream shop? Sometimes A cup of soup and 1/2 sandwich at Panera? No A glass of beer at the bar why you wait...
by FullYellowJacket
Tue Apr 25, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 4483

Re: Los Angeles house buying

Take the $200k down payment, move to a lower CoL area of the country and buy a house with cash. . +1. I don't understand why people stretch themselves so thin to stay in a particular place, no matter how much you love it. A net worth of $400k is not that great for your age and income level (though ...
by FullYellowJacket
Tue Apr 25, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 4483

Re: Los Angeles house buying

If you can afford the mortgage while still meeting your retirement savings goals then go for it. DW and I purchase in LA last year. It was a condo so not quite as big of as investment as a 1MM+ purchase, but it was still nearly 500K. The mortgage is greater than 2X our income, closer to 2.5X. We wan...
by FullYellowJacket
Fri Apr 21, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9531

Re: Mens Blue Jeans - What are we buying now?!

Embrace the 511 fit. Embrace the slim fit. I'm 6'7" and they fit fine on me (34W/36L).
by FullYellowJacket
Thu Apr 06, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 23190

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Give me a double-double, and I'll show you a person that is content with life. DW and I live about a 5 minute walk from an in-n-out. Not having to deal with the crazy drive-through lines makes it a much nicer experience. In my opinion it probably isn't the best tasting fast food burger, but nothing ...
by FullYellowJacket
Fri Mar 03, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 4675

Re: Ever dip your feet into individual stocks?

Every time I think about playing around with individual stocks, I realize that the most money I would be willing to put in would be inconsequential even if said stock went up 500%. Same reason why I did not invest in bitcoin. I thought about it back when prices were around $100 for 1 BTC. The most I...
by FullYellowJacket
Thu Mar 02, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Is This Inflation?
Replies: 4
Views: 617

Re: Is This Inflation?

Food can go into the equation (or be excluded) depending on what metric you are looking at. The Bureau of Labor Statistics has ample material that explains how inflation is calculated if you really care to know. Either way, food getting more expensive does not necessarily mean there is inflation. Th...
by FullYellowJacket
Tue Feb 28, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 3450

Re: saving for european vacay in 2055

You could take that 2k and go on vacation to Europe right now if you are spartan about it!
by FullYellowJacket
Mon Jan 23, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 686

Re: Managed fund alternative to Total International?

One point in favor of VTIAX/VXUS is that it seems that most of the top performing funds of the last 5+ years are USD hedged funds. Over the long term I would expect such hedging to erode gains due to the cost of hedging. We may see some purposeful devaluation of currency to help exports as well, whi...
by FullYellowJacket
Mon Jan 23, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 686

Re: Managed fund alternative to Total International?

I've had many of the same thoughts. PRGTX doesn't seem to be the best international diversifier, as only 30% of the fund is international stock.
by FullYellowJacket
Fri Jan 13, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: "Millennials are falling behind their boomer parents"
Replies: 24
Views: 2177

Re: "Millennials are falling behind their boomer parents"

Let's not turn this thread into bashing on millenials. Every generation has weak and strong points. My favorite part is when people complain about us being the participation trophy generation. Who gave us those trophies? It is my strong opinion that boomer parents enjoyed seeing our shelves full of ...
by FullYellowJacket
Thu Jan 05, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Difference between HCOL and LCOL [High and Low Cost of Living]
Replies: 35
Views: 3925

Re: Difference between HCOL and LCOL

Checking our budgets, we really don't spend any more money in Los Angeles (SF Valley) than we did in Metro-Atlanta, outside of housing costs. I'm guessing that we probably pay 50-75% more in housing costs here, but our increased incomes way more than makes up for it. We spend more money on entertain...
by FullYellowJacket
Fri Dec 16, 2016 3:30 pm
Forum: Investing - Theory, News & General
Topic: Indexing: When being 'average' is a lot better than average
Replies: 19
Views: 2058

Re: Indexing: When being 'average' is a lot better than average

Market timing would be the equivalent of trying to use a driver to get on the green of a par 4 surrounded by sand traps with a lake between you and the green. You may get lucky and end up with an eagle, but you are just as likely to end up in the water which requires you to play even more aggressive...
by FullYellowJacket
Wed Dec 14, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: On the Difficulty of Things (separate from adults and instruments)
Replies: 11
Views: 1861

Re: On the Difficulty of Things (separate from adults and instruments)

Just to offer a counterpoint.: I imagine your group-mate that quit engineering didn't really want to be an engineer anyways, regardless of the result of that group project. I sometimes wish I had given in and decided to do something else. I would likely be happier now if I did. Second, I have a few ...
by FullYellowJacket
Wed Nov 09, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 15321

Re: Which state to move for milder weather

I lived in Atlanta for 26 years. Atlanta summers are anything but mild. Southern California or bust.
by FullYellowJacket
Wed Nov 09, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 10061

Re: Just don't panic

Like I told DW, the thing markets hate more than anything was uncertainty. Now we are certain of who the president will be, the markets went up a little bit.
by FullYellowJacket
Thu Oct 27, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 5652

Re: How do you make your Martini?

3:1 gin:vermouth, generally brand agnostic.

Two olives (preferably stuffed with blue cheese) with a heavy splash of olive brine.

I like my martinis dirty.

Edit: My other martini recipe: 1. Chill vodka. 2. Put chilled vodka in glass 3. Drink martini
by FullYellowJacket
Sat Oct 22, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 13814

Re: How many have moved from California due to Cost of Living?

California has 10 million more people now that it did 25 years ago. Many more people have moved to California than the other way around. DW and I are two of those people. We both grew up in affordable suburbs. We have no plans of ever leaving SoCal/LA. Then again, we are still saving plenty for (ear...
by FullYellowJacket
Tue Aug 09, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Using 60 day rollover as cash buffer while buying a house
Replies: 24
Views: 3143

Re: Using 60 day rollover as cash buffer while buying a house

So I rolled over 16500 back in mid-June (lets say June 22) from a Roth IRA to a checking account as a cash buffer for home purchase. As everyone on this board said would happen, we dipped into this amount by a little bit. Let's say I transfer 10K back in before August 2 as a rollover. It is my under...
by FullYellowJacket
Mon Aug 08, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 4284

Re: How dangerous is Kids Gymnastics?

All of the sports listed have their dangers. Honestly, knowing the risks associated with concussions in youths, gymnastics may be the least dangerous that you mentioned.
by FullYellowJacket
Wed Jul 20, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Why does a massive company like Coca Cola or Johnson Johnson need money from investors?
Replies: 25
Views: 3372

Re: Why does a massive company like Coca Cola or Johnson Johnson need money from investors?

FRx wrote:So can a company go un-public? Because then they wouldn't have to share their profits with the share-holders. Oh wait, no they couldn't because the share-holders could refuse to sell. I think I had a light-bulb moment, or am I off?


It happens on occasion. Dell was a big somewhat recent example. http://www.forbes.com/sites/conniegugli ... 8be7ff4fd2
by FullYellowJacket
Tue Jul 05, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Closing fee review
Replies: 10
Views: 987

Re: Closing fee review

I'm in a HCOL area and this doesn't seem too far out of line with what I have seen. I'm looking at maybe 4k in closing costs on a .5MM home for 3.375%.
by FullYellowJacket
Fri Jul 01, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Purchasing a condo in Los Angeles (SFV region)
Replies: 9
Views: 893

Re: Purchasing a condo in Los Angeles (SFV region)

Ugh! You sure you want to live in the valley? Have you ever been to LA? If my work location permitted me, no, I would probably not live in the valley. I'm most fond of the near downtown neighborhoods. I wouldn't complain about being able to live near the beach either. Having said that, I do quite e...
by FullYellowJacket
Thu Jun 30, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Purchasing a condo in Los Angeles (SFV region)
Replies: 9
Views: 893

Re: Purchasing a condo in Los Angeles (SFV region)

We purchased several years ago in the Woodland Hills area. Own a townhouse, now worth about 500k. 3 bed 3 bath almost 1600 sq ft. I do enjoy living here! My commute is long but I like the area. I would recommend WH! How is the "walkability" in Woodland Hills? DW and I love being able to l...
by FullYellowJacket
Thu Jun 30, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Purchasing a condo in Los Angeles (SFV region)
Replies: 9
Views: 893

Re: Purchasing a condo in Los Angeles (SFV region)

I've lived in the Valley for almost 25 years. Born in Tarzana, raised in Encino and Live in Woodland Hills currently. Personally, I'd stay out of Studio City/Toluca/N.Hollywood (which aren't considered "The Valley" anyway) as you will not get nearly the bang for your buck. Whether you cho...
by FullYellowJacket
Thu Jun 30, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Purchasing a condo in Los Angeles (SFV region)
Replies: 9
Views: 893

Purchasing a condo in Los Angeles (SFV region)

Hi Bogleheads, I've posted a few times about buying a house, but generally in the finance part of the equation. Well we have a down payment together so we are now looking! Let's say you had a budget for $500,000 and you wanted a 2 BR/1.75+BA in the following neighborhoods: Studio City Toluca Lakes N...
by FullYellowJacket
Thu Jun 30, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Which city should I move to?
Replies: 40
Views: 3944

Re: Which city should I move to?

Both Chicago and Seattle are amazing cities with plenty to offer. I think the best question is: how would you handle a Chicago winter?

http://www.city-data.com/forum/weather/ ... ather.html