Search found 6431 matches

by randomguy
Thu Nov 15, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: annuity with true COLA built in
Replies: 16
Views: 953

Re: annuity with true COLA built in

I recently priced joint SPIA's from immediateannuities.com. There was one company offering COLA increases with CPI, but you pay a hefty price for it. The quoted payout rate dropped from 4.5% with no COLA to 2.4% w/ CPI adjustment. YMMV At 2.4% it would take you over 41 years to get your money back(...
by randomguy
Thu Nov 15, 2018 2:45 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 50
Views: 3174

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

Before SS I have 8 yearsin cash equivalents. Super safe. This heads more towards liability matching for this period of retirement. After SS, I want to have 3 years of cash equivalents set up ... no need to decide immediately how to withdraw money from stock/bond funds and I can bide my time. Decidi...
by randomguy
Thu Nov 15, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 3958

Re: Does Early Retirement Make You Live Longer?

There are 2 types of people, and the one who watches TV is less likely to retire early than the one who climbs. I think we agree. Of course, it's a bad example. It is really hard to rock climb after work when you have a demanding job (say 10h), a long commute (1h one way) and a family. I would have...
by randomguy
Thu Nov 15, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 3958

Re: Does Early Retirement Make You Live Longer?

There are 2 kinds of retirement (early or not): 1. no money or no desire, TV, no activities, die early. 2. active, physically, intellectually, socially, healthy, long happy life. I would think that people who identify more with their jobs tend to be more type 1 in retirement while early retirees ar...
by randomguy
Wed Nov 14, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 50
Views: 3174

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

In other words -- if you rebalance the portfolio annually, it doesn't make any difference. Your results are exactly the same. Sorta what I found when backtesting the 2-bucket strategy (stocks and Treasuries) but I Sure but most bucket schemes dont rebalance every year. They have some rules (sticks ...
by randomguy
Wed Nov 14, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 50
Views: 3174

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

In other words -- if you rebalance the portfolio annually, it doesn't make any difference. Your results are exactly the same. Sorta what I found when backtesting the 2-bucket strategy (stocks and Treasuries) but I Sure but most bucket schemes dont rebalance every year. They have some rules (sticks ...
by randomguy
Wed Nov 14, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 50
Views: 3174

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

I had always thought, possibly incorrectly after reading all these responses, that the buckets are more associated with tax strategies than asset allocation. I think of it like I have/will have four buckets of money that I can draw from in retirement; 401k, Roth IRA, aftertax savings and social sec...
by randomguy
Wed Nov 14, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 50
Views: 3174

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

To me, the bucket approach is having a separate bucket for planned short term withdrawals (cash and cash equivalents and ST Treasuries for money needed for zero to three years); mid-term withdrawals (> 3 years to 6 to 10 years in a medium term bond fund); and long term (> 8 to 10 years in stock fun...
by randomguy
Wed Nov 14, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 3958

Re: Does Early Retirement Make You Live Longer?

Probably anecdotal - but I have seen claims that earlier retirement shortens lifespan. Guys retire - and sit on a recliner watching TV and drinking a lot of beer and junk food. Geez, that's depressing. I do cardio exercises for an hour 4 X a week, wife does 5 X. We stay active and travel 4 to 6 tim...
by randomguy
Wed Nov 14, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 3958

Re: Does Early Retirement Make You Live Longer?

https://www.fivecentnickel.com/does-early-retirement-make-you-live-longer/ You might want to read the whole article. You know including the part at the bottom that says that boeing thinks the data is BS:) It happens to match some peoples preconcieved notions and gets passed around time after time. ...
by randomguy
Wed Nov 14, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1796

Re: Teaching young folks how to save for retirement

about 39 percent of the wealthiest respondents still did report regret. (One of the most common things people thought they spent too much money on was vacation; cars and clothing also ranked highly for men and women, respectively.) So the percentage of people who regretted taking vacations was less...
by randomguy
Wed Nov 14, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 6922

Re: Honda reliability slipping?

The most reliable source of dependability info/prediction on new cars is the JD Powers initial quality study. For 2017 Honda and Acura both ranked in the bottom half. Initial quality is all about how easy it is to pair your phone to the car😁 What people really want to know is something along the li...
by randomguy
Wed Nov 14, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 1920

Re: 2019 Subaru Forester Vs. 2019 Rav 4

The Rav4 is a special case because of the problems it has had but if you are going to sell the car in five years then you should research which one will have the highest expected resale price then. Depreciation is measured from MSRP. That is a useless number. If i buy a 48k car for 36k that is wort...
by randomguy
Tue Nov 13, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2279

Re: Anyone with an Audi A3, Sport hatchback e-tron?

And note that in California, gas is very close to (or over) $4 per gallon, depending on grade. My current car gets 21 mpg, with supreme gas. The UXh is rated at 36 mpg, and uses regular unleaded, 87 octane. 25,000/21 mpg = 1190 gallons purchased, at $4 per gallon for premium. That's $4762 per year....
by randomguy
Tue Nov 13, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?
Replies: 64
Views: 3156

Re: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?

It’s only when the market turns, and the turn starts to look like it constitutes a trend, that our investor begins to think about conserving all those gains—whether derived from Investor’s acumen or Fed largesse, who cares? It’s money: and when it looks like the party’s over, it’s our job as invest...
by randomguy
Tue Nov 13, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2279

Re: Anyone with an Audi A3, Sport hatchback e-tron?

But I *also* want range for the long weekend trips we have, which means an all-EV won't work. Tesla fits that bill (with supercharging). But you've made clear that you don't want an EV. My question is really, why do you want a hybrid, unless you get a car pool sticker? The savings in gas is minuscu...
by randomguy
Tue Nov 13, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2279

Re: Anyone with an Audi A3, Sport hatchback e-tron?

I agree with this statement. Ford and GM did nothing good for the Swedish brands they owned back then. Volvo is starting the new S60 sedan production in the U.S this year (South Carolina I believe). Also, I personally would not take any surveys seriously (including CR) that puts Audi and/or VW abov...
by randomguy
Tue Nov 13, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?
Replies: 64
Views: 3156

Re: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?

It’s only when the market turns, and the turn starts to look like it constitutes a trend, that our investor begins to think about conserving all those gains—whether derived from Investor’s acumen or Fed largesse, who cares? It’s money: and when it looks like the party’s over, it’s our job as invest...
by randomguy
Tue Nov 13, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3899

Re: Feeling uneasy about recent splurge

Goodness, if ever a purchase was NOT a penny wise/pound foolish purchase it's a decent mattress. As you point out this item is used every single night, to get enough quality sleep to enable you to face every day refreshed and ready. I actually think people who skimp on beds are exceedingly foolish;...
by randomguy
Tue Nov 13, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9162

Re: retirement travel: RVs vs fly/drive/hotel

I'm not saying they aren't a problem - I'm just saying the chance of them impacting you at any hotel or AirBnB you stay at is likely very very small. I'd suggest doing your own research. You may have a different risk tolerance than I do. :sharebeer I've tried - can't find any good data - that's why...
by randomguy
Tue Nov 13, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2279

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Priorities: 30 mpg, comfort, low noise, reliable. Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60? He did have reliable on the list:) He's a she. ;) If you are willing to relax the gas mileage (i.e. the volvos are ab...
by randomguy
Mon Nov 12, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 45
Views: 4224

Re: Is maxing out Tax defered 401(k) enough?

Saving 15% of your income for 30 years at 8% return should provide you with 85% of your income for 30 years. I think maxing out 401k should be enough... But for the majority on this board, all gratification must be delayed as long as possible. That's because of unknowns like disability, loss of job...
by randomguy
Mon Nov 12, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4308

Re: Planet Fitness etc.,

My PF hardly has any free weights/ dumbbells. Good for cardio workout. Truthfully I rarely go anymore. Mine gives free bagels and donuts. Never quite understood that, I guess for carbs but gee, how about maybe a glass of carrot juice instead. The ideal customer😁 If it was 50/month you would go or q...
by randomguy
Mon Nov 12, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4308

Re: Planet Fitness etc.,

The ones where you own 50 franchises locations. Granted I guess then you are just buying yourself a CEO job versus a manager one:) That makes sense... So how does one get to double digits locations? Do you slog it out for 20 years? Or do you start with a lot of money? I dont know anyone with 50 PF ...
by randomguy
Mon Nov 12, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Is Small Value Still A Winner?
Replies: 96
Views: 6912

Re: Is Small Value Still A Winner?

Not surprising as we have been in a Large Cap Growth market for a decade now. Tilting would not have helped whether you made a lump sum investment in 2008 or if you dollar-cost-averaged your investment into the markets over that decade. A Total Market Index during the last decade would have beaten ...
by randomguy
Mon Nov 12, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Is Small Value Still A Winner?
Replies: 96
Views: 6912

Re: Is Small Value Still A Winner?

The problem is that Small Value is just 2% of the US Total Stock Market, if you also consider Mid Value, then you are up to 8%. Something in me just doesn't want to cram all my equity investment into 2% of the market. I don't think you are advocating this, but you raise an important question. How m...
by randomguy
Mon Nov 12, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1339

Re: Running in the cold rain

Anyone do this? What gear do you use to stay warm and/or dry? your running. You are going to be warm after 2o mins in just about any possible condition where it is raining. Jack, gloves and a hat get you down to the low 40s. can do tights if you want. You will get wet. that is pretty much unavoidab...
by randomguy
Mon Nov 12, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Is Small Value Still A Winner?
Replies: 96
Views: 6912

Re: Is Small Value Still A Winner?

needsaid, Since you mentioned his name can you help me with this idea for my 22 year old son that puts $5500 into a Roth IRA each year. What about the Paul Merriman idea of the 2 fund Target Dated Fund with svc fund for a young person starting to invest. Does this make sense. 90% TDF 10% scv 80% TD...
by randomguy
Mon Nov 12, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

Of course, everyone's desired spending is different. I would not tell someone they are spending too much, that they "should be" happy on much less. But some people seem absolutely incredulous that a person could even survive on $3000/month. "But... but... my property taxes are nearly that much!!" I...
by randomguy
Mon Nov 12, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

Of course, everyone's desired spending is different. I would not tell someone they are spending too much, that they "should be" happy on much less. But some people seem absolutely incredulous that a person could even survive on $3000/month. "But... but... my property taxes are nearly that much!!" I...
by randomguy
Mon Nov 12, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

We can argue about details for ever but basically some people will say how can I possibly spend 4k/month and someone else is going to go there is no possible way I can live on 4k/month. Both are true and really aren't worth discussing as they are very personal choices. What I do find suspect is the...
by randomguy
Sun Nov 11, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 83
Views: 9598

Re: Are We In A Real Estate Bubble?

The burbs, depending which towns don’t have that feverish pitch we saw back in ‘06-07. We got 20% less for our house recently (in a pricy North Jersey town) than reasonable realtors (ie., not trying to buy a listing) thought we’d get when we were preparing to list it in January . Real estate agents...
by randomguy
Sun Nov 11, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

We can argue about details for ever but basically some people will say how can I possibly spend 4k/month and someone else is going to go there is no possible way I can live on 4k/month. Both are true and really aren't worth discussing as they are very personal choices. What I do find suspect is the...
by randomguy
Sun Nov 11, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

We can argue about details for ever but basically some people will say how can I possibly spend 4k/month and someone else is going to go there is no possible way I can live on 4k/month. Both are true and really aren't worth discussing as they are very personal choices. What I do find suspect is the ...
by randomguy
Sun Nov 11, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?
Replies: 64
Views: 3156

Re: "Rules-Based Risk Management System" = Market Timing = Momentum/Trend Following?

And yes, the blue line looks much easier to hold on to, when zoomed out like this. But I agree with Chuffly, there will be many occasions when you'll sell, possibly at a loss, and have to buy back in a little bit higher. In contrast, in your comparison with rebalancing, you're still selling the ass...
by randomguy
Sun Nov 11, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4308

Re: Planet Fitness etc.,

I have a feeling most of them are buying a job from the few numbers I have seen. Have you seen a franchise that isn't like buying a job? I looked at this a few years ago and after a few months of t taking to 30+ owners across 4 different business lines, I gave up. They all seemed to be buying a job...
by randomguy
Sun Nov 11, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4308

Re: Planet Fitness etc.,

"The average place is brining in 1.7 million (7k people paying a bit over 20 bucks each) and paying ~800k in expenses. For 900k net. Now you also have to pay the franchising royalty (~120k), interest/opportunity cost (1-2 million dollars. Call it 75-150k/year), running the shop" I do not know the G...
by randomguy
Sun Nov 11, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9162

Re: retirement travel: RVs vs fly/drive/hotel

RVing is not for everyone. I have friends and family who have very happily lived and traveled in RVs for years at a time with occaisonal stops at home when they are passing through. Others buy RVs which get parked in the driveway until they rot away. They are a lot like expensive boats where some g...
by randomguy
Sun Nov 11, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4308

Re: Planet Fitness etc.,

The good news for those of us who are frugal, there's usually another fool waiting to open a gym and run a promotional deal below the actual cost. A friend owned more than 50 PFs. Sold 20 for 1.5m each. I wish I was half as foolish as him! $1.5 million each per sale would indicate that they were ca...
by randomguy
Sun Nov 11, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9162

Re: retirement travel: RVs vs fly/drive/hotel

You can use google and come across a couple hundred articles and threads about people facing this problem with hotels and AirBNB. it is at the level where you don't expect it to happen but hearing about it isn't exactly shocking. I do not disagree with you, but my feeling is that bedbugs are not fr...
by randomguy
Sat Nov 10, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4308

Re: Planet Fitness etc.,

There's no free lunch in the gym business. I'm a 24 Hour fitness member and have been for the last four years through the Costco deal. The equipment is old/dirty/broken and there's a lot of deferred maintenance. I think they got hammered by the Planet Fitnesses of the world trying to get even cheap...
by randomguy
Sat Nov 10, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

I'm single with no debt, paid off home, newer car and save more than twice what I spend each year. I live in a medium COL city and live moderately frugally, but don't want for much of anything. I still spend $45-50K/year. The thought of working until medicare age of 65 makes me ill so my expenses, ...
by randomguy
Sat Nov 10, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9162

Re: retirement travel: RVs vs fly/drive/hotel

Our thinking is the $50-100K to buy a RV, maintain, low mpg, store it, etc we can stay in nice hotels every night on the road and be ahead of the game. We typically stay at Holiday Inn Express, Hampton Inn, Resident Inn, Embassy Suits, etc. We have looked at RV several times and just do not see the...
by randomguy
Sat Nov 10, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9162

Re: retirement travel: RVs vs fly/drive/hotel

If you want to keep it really simple and less expensive: How about an SUV, remove a row of seats (or both rows). Add a nice futon, or air mattress if you want less bulk. Put up some curtains to block windows. Have a small tent if you want to use that at times. Perhaps tow a small trailer if you wan...
by randomguy
Sat Nov 10, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

I'm single with no debt, paid off home, newer car and save more than twice what I spend each year. I live in a medium COL city and live moderately frugally, but don't want for much of anything. I still spend $45-50K/year. The thought of working until medicare age of 65 makes me ill so my expenses, ...
by randomguy
Sat Nov 10, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3462

Re: aerobic exercise: rower vs. treadmill and elliptical

Not quite what you're asking for, but I'd get ride of both (treadmill and elliptical) and get a stationary bike. I've never found the treadmill or elliptical to be "strenuous" enough, despite the ability to increase resistance or incline. I find myself getting better workouts on a simple, resistanc...
by randomguy
Sat Nov 10, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

I don't believe that I've ever heard anyone say that they regretted saving money earlier in their lives. But it is very common for people to say that they regret not spending more time with loved ones earlier in their lives. If a high savings rate is truly preventing you from spending time with you...
by randomguy
Fri Nov 09, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

I don't believe that I've ever heard anyone say that they regretted saving money earlier in their lives. But it is very common for people to say that they regret not spending more time with loved ones earlier in their lives. If a high savings rate is truly preventing you from spending time with you...
by randomguy
Fri Nov 09, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3462

Re: aerobic exercise: rower vs. treadmill and elliptical

Go with the concept 2 and treadmill. Ditch the elliptical. If you want results you need intensity, and that is not possible with an elliptical. Or if you want two elliptical machines, you can come pick up mine - haven’t touched it since I got the rower. Why couldn't you get intensity on the ellipti...
by randomguy
Fri Nov 09, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2279

Re: Anyone with an Audi A3, Sport hatchback e-tron?

For what it is worth, I consider Volvo to be as reliable as Subaru, and I know many other car guys who think the same way. I don't have any data to back it up, but my gut feeling says a hybrid Subaru would not be nearly as reliable or as refined as a hybrid Lexus or Acura. Volvo is in the bottom 3r...