Search found 34 matches

by jstrange1970
Thu Feb 23, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Serious About Retirement Savings/Investments
Replies: 15
Views: 1482

Re: Getting Serious About Retirement Savings/Investments

You state that you are getting serious about retirement. After you address the issues raised by others about your school loan, bank, and credit card debt, I'd take a long, hard look at your mortgage. The rate is fine but a 613K mortgage is going to be a hard drag on your ability to save for the fore...
by jstrange1970
Sat Feb 11, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Consolidating to Wells Fargo?
Replies: 18
Views: 1474

Re: Consolidating to Wells Fargo?

I've been thinking about simplifying my finances a lot more. Here's what I currently have: Personally, I wouldn't reward a company with the ethical lapses of WF with more of my business. I'd be moving what business I had there elsewhere. This. Whole lotta this. We got lumped into WF when they picke...
by jstrange1970
Sat Feb 11, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1553
Views: 274156

Re: What are you up YTD? [Year To Date]

It strikes me that this entire thread isn't very 'Bogle'. Where's the long term focus? I don't care where I am YTD and I'm not going to change anything until I get to my next rebalance evaluation date and look at whether or not I need to rebalance or make adjustments in contribution percentages goin...
by jstrange1970
Wed Apr 13, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 3540

Re: Switch to Geico from USAA

I just did this in the last two weeks when my teenage son needed to be added to our policy. Doubled our coverage, added him, very modestly increased our deductable -- saved 1300/six months over USAA. They still have some of my other business but had to let them go. 22 years I was with them. Point of...
by jstrange1970
Mon Feb 15, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885718

Re: What Movie Have You Recently Watched?

Deadpool. NOT for the kids (thankfully, I'd read the reviews and didn't bring them). Smart, funny, great action, and a superhero story for adults. Debating going again to hear the jokes I missed while laughing at others. Sucks you in from the opening credits.
by jstrange1970
Mon Feb 15, 2016 2:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Woodlands, Texas Chapter?
Replies: 18
Views: 2874

Re: The Woodlands, Texas Chapter?

I'm out in Katy but would be happy to meet up with other Bogleheads anywhere in the metro area. Been here long enough to get used to the traffic :oops:
by jstrange1970
Tue Nov 17, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How can you estimate your costs for a doc visit/procedure in an HDHP?
Replies: 14
Views: 1930

Re: How can you estimate your costs for a doc visit/procedure in an HDHP?

After several years on these types of plans with kids and a wife (all of whom, thankfully, are healthy), I've determined that there is really only one way to budget for medical expenses under these plans. 1) maximize your pre-tax HSA contribution and carry over the excess. you will need it someday. ...
by jstrange1970
Thu May 28, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 46
Views: 10193

Re: New or Used Honda Odyssey

bought a new one in Dec of 2013 after this very analysis. Used vehicles are not the same deal that they once were.
by jstrange1970
Tue May 19, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 4794

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

All good suggestions above. Also want to point out the importance of a living will and discussing plans and strategies for dealing with a terminal diagnosis. I've heard a lot of horror stories about families completely bankrupting themselves for end-of-life care that doesn't make a bit of difference...
by jstrange1970
Tue May 19, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 2478

Re: Malwarebytes Anti-Exploit

Installed the free version this past weekend to fix issues with my kids computer. They fell prey to some of the clickbait that plagues kids content and gaming sites. It completely resolved browser issues and general slowness, found over 200 questionable apps, dlls, add-ons, etc. None of which had be...
by jstrange1970
Fri May 08, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 43725

Re: much ado about coasting (through life)

While he's not coasting as much as you seem to think you will want to, you may find http://www.mrmoneymustache.com/ interesting. He definitely saved hard to reach FI early and scale back a lot. I wouldn't call what he does retirement but he definitely does what he's interested in, rather than working for the man.
by jstrange1970
Tue Apr 07, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 255
Views: 31015

Re: Good Modern Science Fiction

Left Hand of Darkness Ursula LeGuin Snowcrash Neal Stephenson Neuromancer William Gibson Ringworld Larry Niven The Forever War Joe Haldeman Startide Rising David Brin Edit: added authors +1 all of this. Cryptonomicon by Stephenson is particularly good. I'd add that Arthur C. Clarke, Frank Herbert a...
by jstrange1970
Tue Apr 07, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Emergency fund portfolio
Replies: 13
Views: 2076

Re: Critique my Emergency fund portfolio

A couple of observations: 1) you will have an emergency that will be more than $100. Fact of life. $100 won't be an emergency for long if you continue to grow your income. At your age, you are doing great. 2) while 3 months might be enough for most emergencies, you might consider a second tranche th...
by jstrange1970
Wed Apr 01, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Just a Thought - Purchase Condo in No Income Tax State
Replies: 13
Views: 1675

Re: Just a Thought - Purchase Condo in No Income Tax State

Another thing to consider. In many 'no income tax' states, living in a decent community means that your property taxes and sales taxes are correspondingly higher. Net-net, it can be almost a wash. For me, that was the case when relocating to TX from VA.
by jstrange1970
Sat Mar 28, 2015 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4757

Re: Economics of climbing the ladder - experiences requested

Whenever I read comments about how management is filled with sociopaths and management doesn't care about anyone but themselves, I'm surprised. It just hasn't been my experience at all. Maybe I've just been lucky, but I specifically look for corporate culture as a factor in deciding where to work. ...
by jstrange1970
Fri Mar 27, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885718

Re: What Movie Have You Recently Watched?

John Wick. It was surpisingly good, though elements of the story left a lot to be desire. I love a stylishly violent action movie on occasion. Best line: "Oh. *clicks cell phone off*" Once you watch it, you'll know what I mean. 77 kills, nearly 90% hit ratio. Never kill a man's dog and ste...
by jstrange1970
Thu Mar 26, 2015 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Biotechnology to buy and hold or not
Replies: 16
Views: 3225

Re: Biotechnology to buy and hold or not

I lost a lot of money investing in biotech ... once. The thing to understand is these are basically virtual companies. They outsource *everything* but their core R&D function. And very few of them ever make any money, they just spend it. If they get a drug through Stage 3 approvals with the FDA...
by jstrange1970
Mon Mar 23, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: Munis for Diversification?
Replies: 14
Views: 1822

Re: Munis for Diversification?

I'm not sure they make a lot of sense in OP's tax bracket. In mine, they do provide needed diversification in taxable space and also have a higher than expected after-tax yield due to AMT-free status (e.g., MUB). I want my money working and generating returns. All of it. Treasuries have not been del...
by jstrange1970
Fri Mar 20, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 6086

Re: To MBA or Not to MBA

Masters in molecular genetics here. While not engineering, highly technical. I went for my MBA on my own dime, invested the time and money, and now (9 years later) do something completely different and earn 4X what I did before, never been happier at work. Agree with others' comments that an MBA can...
by jstrange1970
Fri Feb 06, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: How do we ship a china cabinet?
Replies: 14
Views: 1794

Re: How do we ship a china cabinet?

OP, my folks had one exactly like this, well over 100 years old. We were a military family and moved about 20 times, including to S. Korea by sea and back (our minivan did not, fell off the container ship). The cabinet made every trip with the glass intact and stands in their LR today. It can be don...
by jstrange1970
Tue Dec 23, 2014 10:01 am
Forum: Personal Consumer Issues
Topic: How to tackle a crack on the windshield
Replies: 28
Views: 3267

Re: How to tackle a crack on the windshield

Windshield cracks will usually spread as the car is driven and the windshield is stressed. A simple repairable crack can suddenly turn into one too large for repair, requiring replacement of the entire windshield. So it's best to get the repair done while it costs less, regardless of whether it is ...
by jstrange1970
Thu Dec 04, 2014 9:26 am
Forum: Investing - Theory, News & General
Topic: European underperformance - here to stay?
Replies: 32
Views: 3322

Re: European underperformance - here to stay?

Based on this thread alone, I bought more Europe yesterday. We'll see in 10 years if I made the right call. I won't go that far but do appreciate the quality feedback from so many. I will stay the course and stick to my asset allocation. In the current market, I guess that means more international ...
by jstrange1970
Wed Dec 03, 2014 10:16 am
Forum: Investing - Theory, News & General
Topic: European underperformance - here to stay?
Replies: 32
Views: 3322

European underperformance - here to stay?

All, Long-time lurker here and only recently registered and started participating. My question is this: Although I'm following my investment plan and continue to purchase diverse international stocks (about 35% of stocks to Intl, global ex-US, in a 70% equity 30% bond/other portfolio overall) - espe...
by jstrange1970
Fri Nov 21, 2014 7:29 am
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 4539

Re: Fitbit, Vivofit, or other?

My wife and I both have the Fitbit flex and I wouldn't recommend it. Hers had to be replaced by the company after less than 60 days due to issues with the USB charger pins not connecting correctly. Mine still works but the battery life is abysmal, considering what it actually tracks. The tracking / ...
by jstrange1970
Tue Oct 14, 2014 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Now above Roth IRA income limit...
Replies: 4
Views: 715

Re: Now above Roth IRA income limit...

Clarification, you can continue to make contributions using the backdoor Roth approach even during those years where your income is above the limit.
by jstrange1970
Thu Oct 09, 2014 8:14 am
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 243
Views: 43933

Re: When people put all their eggs in the wrong basket

The best way to avoid putting all your eggs in the WRONG basket is to avoid putting all them into ONE basket. I took a massive hit to my net worth when the company I worked for got hit with a scandal. I had a huge amount of my 401k in company stock, ... Events like this always cause me to revisit m...
by jstrange1970
Tue Oct 07, 2014 8:41 am
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 178
Views: 21264

Re: So do we care more about change in bond price or bond yi

In response to the OP's original question, the answer is simple. YES

Whichever is impacting my bottom line the most at any point in time.
by jstrange1970
Mon Sep 29, 2014 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 19328

Re: How can I stop feeling depressed about my finances?

@semiotic, A couple of thoughts: a) most of us were there once. Fresh out of college or grad school, in debt, and relatively low income is normal in the US. Perhaps not healthy but definitely normal. Very few are making $100K out of school and many to most of those who are doing well are squandering...
by jstrange1970
Thu Aug 21, 2014 1:23 pm
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 2994

Re: Kimchi

I was an Army brat and lived in S. Korea during high school. Grew to love Kimchi in several varieties and echo the comments of others - H.Mart for the win. If you live in a reasonably diverse area or near a military base, you can try traditional cabbage and cucumber varieties at nearly any Korean re...
by jstrange1970
Tue Aug 05, 2014 10:09 am
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 127
Views: 21382

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

I did this exact same analysis for my wife's replacement vehicle and ended up with the Odyssey. I have different friends who own recent Acadia and Traverse models and while they like the vehicles, the maintenance has been an issue on both - even during the warranty period. Have you considered an Acu...
by jstrange1970
Wed Jul 16, 2014 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Opinion on taking 2yr break from substantive retirement inv?
Replies: 48
Views: 6701

Re: Opinion on taking 2yr break from substantive retirement

OP - been there, in spades. Kid number 4 came along unexpectedly in 2008 (yes, THAT 2008) right after I'd purchased a new(er) car that seats five. My income hadn't risen as quickly as fuel prices and home heating costs in the prior couple of years. At the time, I kept saving enough to get my 401(k) ...
by jstrange1970
Mon Jul 14, 2014 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: BRK: What am I missing?
Replies: 40
Views: 4843

Re: BRK: What am I missing?

I too am sitting on a small, speculative, buy-and-hold position in brk.b. One could consider it a small BH 'tilt'. Responding to the OP - the problem for me is that it is something of a slippery slope. Once you buy brk, then why not MKL? How about other cash-rich companies, like microsoft? Other con...
by jstrange1970
Fri Jun 20, 2014 8:30 am
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 5763

Re: How much $$ to change jobs?

Long-time follower, new member, first post. I won't address any of the cultural / personal issues that have been thoroughly covered by others already. Thought I'd add a bit more around the original question - how much to change jobs. I've changed jobs five time since leaving graduate school in the e...