Search found 432 matches

by motorcyclesarecool
Fri Jun 15, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1414

Re: Cheap, fuel efficient 2nd car commuting?

When I read hunting/fishing, I visualize towing a boat and or hauling bait and catches and field dressed game. You don’t want that stuff on the interior of your daily commute vehicle. If it’s paid for and only occasionally used, it would make sense to dial back the pickup insurance to your state min...
by motorcyclesarecool
Thu Jun 14, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Following up here, I was inspired by the Golden Q-Tip to see about getting a diaper bronzed / mounted... apparently they are too absorbent. We went out for dinner at the local French restaurant, but I’m still examining the idea of a more tangible commemoration.
by motorcyclesarecool
Tue Jun 12, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

Re: How do you celebrate (potty trained kid) milestone with your spouse?

A participation trophy and some avocado toast. Why the passive aggression? Did someone spit in your Metamucil this morning? :beer Right. Sorry to pile on with the "I don't understand kids these days" theme. Back in my day, you had to teach kids to go in an outhouse and forget teaching them to wipe ...
by motorcyclesarecool
Mon Jun 11, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

Re: How do you celebrate (potty trained kid) milestone with your spouse?

PVW wrote:
Mon Jun 11, 2018 2:37 pm
A participation trophy and some avocado toast.
Why the passive aggression? Did someone spit in your Metamucil this morning? :beer
by motorcyclesarecool
Mon Jun 11, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Loik098 wrote:
Mon Jun 11, 2018 3:59 pm
A couple of weeks ago I learned here about babymoons. Now I'm learning that I could have celebrated potty training.
While it’s probably too late for the former, it’s never too late for the latter...
:wink:
by motorcyclesarecool
Mon Jun 11, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

Re: How do you celebrate (potty trained kid) milestone with your spouse?

GCD wrote:
Mon Jun 11, 2018 12:42 pm
My son once had an explosive poo during diaper changing that splattered against a textured wall. I spent considerable time with a Q-tip cleaning up after that. On the subsequent Father's Day I got a spray painted gold Q-tip.
Nice!
by motorcyclesarecool
Mon Jun 11, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Without going into detail, the task was sufficiently arduous that I’d like to mark the milestone in a meaningful way. How do you mark a milestone in your marriage that isn’t related to a birthday or anniversary? I’m looking for ideas here... This is a marriage milestone for you? I would just flush ...
by motorcyclesarecool
Mon Jun 11, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4738

How do you celebrate (potty trained kid) milestone with your spouse?

#1 child is now potty trained. My wife did an incredible job with it and the kid is still happy. (My involvement was not insignificant but she carried the heaviest load) Without going into detail, the task was sufficiently arduous that I’d like to mark the milestone in a meaningful way. How do you m...
by motorcyclesarecool
Sun Jun 10, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Trad. Vs. Roth with pension, re: Conversion Ladder
Replies: 8
Views: 670

Re: Trad. Vs. Roth with pension, re: Conversion Ladder

BTW.....Roth conversions and the Roth conversion ladder are not the same thing. I'm all for Roth conversions at the right time and for the right amounts. I'm not opposed to the Roth conversion ladder when it does make sense. +1 I don’t think the Roth conversion ladder means what you think it means....
by motorcyclesarecool
Sun Jun 10, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Trad. Vs. Roth with pension, re: Conversion Ladder
Replies: 8
Views: 670

Re: Trad. Vs. Roth with pension, re: Conversion Ladder

I currently max out my traditional 401K (TSP) but can retire at 50 and receive approx. a 55K/yr pension and 12K/yr. Social Security Supplement, which will become around 20K/yr once I hit 62. I won’t qualify for the FERS SS supplement, but if I did, I’d choose not to take normal SS until at least my...
by motorcyclesarecool
Sat Jun 09, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5433

Re: Jack Bogle on Fox Business Channel Friday June 8

I only saw the two videos that I posted and the host seemed polite enough. Maybe the full show was different. There is definitely a fast speed to today's television shows. I hope I am as thoughtful and cognitive as Jack at his age, but few are. +1. She didn’t throw any curveballs. Also, it seems li...
by motorcyclesarecool
Thu Jun 07, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP participants cannot use the mega-backdoor Roth, right?
Replies: 5
Views: 1504

Re: TSP participants cannot use the mega-backdoor Roth, right?

Reviving this thread (note the dates) to inquire on this topic once more. I’ve read the fact sheet issued by the Board, but I am curious if there’s something in the enacted legislation of the TSP Modernization Act or in the proposed regs that could open Mega Backdoor Roth to civilians in FERS?
by motorcyclesarecool
Thu Jun 07, 2018 5:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Marketing [Transition to brokerage account]
Replies: 16
Views: 1168

Re: Vanguard Marketing

livesoft wrote:
Thu Jun 07, 2018 4:14 am
talzara wrote:
Wed Jun 06, 2018 10:24 pm
livesoft wrote:
Wed Jun 06, 2018 11:53 am
It is a cost reduction move along with following some changes in laws. I think it is exactly a John Bogle-ish move.
What changes have been made to the laws?
P.A.T.R.I.O.T. act
I don’t see the connection... Do they know their customers better in a brokerage wrapper?
by motorcyclesarecool
Fri Jun 01, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 1993

Re: Driving UHaul

Have you considered https://www.upack.com/abf?
by motorcyclesarecool
Thu May 31, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2306

Re: Vehicle Advice for new Boglehead (4Runner)

Get a Wrangler and drive it into the ground. Far more affordable entry into four wheeling. It’s not a Toyota, but has competent off-road ability, good enough reliability, decent resale value yet a far lower entry price.
by motorcyclesarecool
Thu May 31, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 5433

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

Being completely selfish, as a frequent traveler to Europe I hope the Eurozone expands to cut down on my foreign currency collection. :twisted: Having travelled in pre-Euro Europe, it was fun to bring Italian banknotes with lots of zeroes on them to give my siblings / cousins as gifts upon my return.
by motorcyclesarecool
Thu May 31, 2018 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Should I shift bond allocation from F Fund to G Fund?
Replies: 15
Views: 1060

Re: Should I shift bond allocation from F Fund to G Fund?

I believe G-fund makes a lot of sense in a rising interest rate environment. I own bonds for stability, not growth. G-fund is far more stable than any other bond fund. I can allocate more to equities (where the growth happens) than I can without the G-fund. I believe expected rate increases are only...
by motorcyclesarecool
Thu May 31, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Getting married, car buying and apartment by myself?
Replies: 10
Views: 1486

Re: Getting married, car buying and apartment by myself?

So, to summarize, based on my reading of your post, on an annual salary of $93k, you’re worried that you won’t save enough money if your annual expenses are $28.8k? What are your savings goals? Are you willing to flex on those goals a little for the first few years of marriage? From the numbers pres...
by motorcyclesarecool
Wed May 30, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4943

Re: Fitting three young kids in the car...

http://www.carseatblog.com forums will have your solution. Also, the trunks of most minivans will swallow a fully assembled jogging stroller with ease and room leftover for groceries.
by motorcyclesarecool
Wed May 30, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434828

Re: U.S. stocks in freefall

My remark was tongue in cheek. Yesterday’s “freefall” was brought about by a flight to safety from certain Eurozone countries. Equities plunged, and Treasuries surged. It seems reasonable that international bonds are well correlated to domestic stocks in our global system, reducing their value in di...
by motorcyclesarecool
Tue May 29, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434828

Re: U.S. stocks in freefall

Can someone explain to me again why international bonds, whether hedged or not?
by motorcyclesarecool
Tue May 29, 2018 5:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434828

Re: U.S. stocks in freefall

I was reading a thread about German bonds for Italian investors and wondering to myself what in that scenario would stop a national bank run, and consequent hammering of the entire Eurozone. I have a feeling we’re going to see Treasury yields crumble from that flight to safety.
by motorcyclesarecool
Mon May 28, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3176

Re: Cruise ships for multi-generational family

Disney. You won’t scratch the surface of things to do onboard. For any age group.
by motorcyclesarecool
Sun May 27, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: electrical outlet dead; fuse not tripped
Replies: 23
Views: 1543

Re: electrical outlet dead; fuse not tripped

We experienced that when we lost an electrical phase between the transformer and the meter. Random outlets weren’t working. Is it only this one?
by motorcyclesarecool
Sun May 27, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: looking for lowest cruise ship price site
Replies: 11
Views: 1564

Re: looking for lowest cruise ship price site

I’ve had good results using the search engine at Vacations to Go to get an easy comparative list of sailings. Then I go to Cruise Compete to get bids from competing agencies. So, two stop shopping.
by motorcyclesarecool
Thu May 24, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5737

Re: Alexa Echo sent family's audio file to a contact

Inlaws got an echo for DW birthday. She returned it. I love her more each day. The best solution is not to play the Amazon Echo game.
by motorcyclesarecool
Wed May 23, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I max out TSP and do a traditional IRA?
Replies: 9
Views: 1036

Re: Can I max out TSP and do a traditional IRA?

Look up “Spousal IRA”.
Also, if you go Traditional IRA, you can roll it to the TSP above and beyond the $18,500 and enjoy the low costs and other benefits of the TSP.
by motorcyclesarecool
Tue May 22, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2632

Re: Do I understand duration correctly?

Isn’t the G fund considered to have a duration of 0? Can you move any funds from your other investment vehicles into TSP? By some definitions, I suspect its duration could be an undefined, negative number. It is possible to transfer some sorts of tax advantaged accounts to the TSP, but ESA, HSA, Ro...
by motorcyclesarecool
Tue May 22, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: Factory Five build cars
Replies: 23
Views: 2527

Re: Factory Five build cars

Have you considered Caterham 7? The former hosts of Top Gear assembled a running example in less than a day.
by motorcyclesarecool
Tue May 22, 2018 5:10 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 6087

Re: How do I tell if Roth conversions are worth the trouble?

Actuarially speaking, it is likely that you will wind up predeceasing your wife. In which case she’d be taking the same RMDs but without the benefit of the married-filing-jointly tax brackets. It may be worthwhile to see in what bracket your surviving spouse would be with RMDs, and convert up to tha...
by motorcyclesarecool
Mon May 21, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2632

Re: Do I understand duration correctly?

Perhaps I need to have a sort of “lmp” made up of individual securities with set maturity dates. I wish my kids’ §529s and my TSP allowed me to do that. What do you mean by "lmp"? (Unsolicited advice to the board: What we write here is read by hundreds or even thousands. I try to avoid shorthand) W...
by motorcyclesarecool
Mon May 21, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2632

Re: Do I understand duration correctly?

If you are holding bonds to diversify the risk of holding stocks, then your time horizon should factor into deciding the ratio of stocks to bonds. You would not normally try to match the duration of the bond portfolio to your investment horizon. If you are holding bonds to cover future liabilities,...
by motorcyclesarecool
Mon May 21, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2632

Re: Do I understand duration correctly?

If you are holding bonds to diversify the risk of holding stocks, then your time horizon should factor into deciding the ratio of stocks to bonds. You would not normally try to match the duration of the bond portfolio to your investment horizon. If you are holding bonds to cover future liabilities,...
by motorcyclesarecool
Sun May 20, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: central extractor fan instead of A/C?
Replies: 15
Views: 1353

Re: central extractor fan instead of A/C?

I believe what you’re looking for is called an Economizer. It monitors outside air conditions and draws in outside air when it makes sense to.
by motorcyclesarecool
Sat May 19, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2632

Re: Do I understand duration correctly?

How would I go about reducing my average duration as my time horizon grows shorter?
by motorcyclesarecool
Sat May 19, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2632

Do I understand duration correctly?

Take a bond fund with a duration of 5 in a rising interest rate environment. Year 1, interest rates increase by 1%. Bond fund should recover in 5 years. Year 2, interest rates increase by another 1%. Bond fund now requires 9 years to recover. Year 3, 1% increase, now 13 years to recover. [edited to ...
by motorcyclesarecool
Wed May 16, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4848

Re: New motorcycle rider

So the question is- Where can I ride my motorcycle alone and safely? I am definitely risk averse. What region of the country are you in? Generally, try byways and scenic routes. Also, consider the benefit of riding at night when on a long distance road trip.(not necessarily recommended in ungulate ...
by motorcyclesarecool
Wed May 16, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Rollover beneficiary TSP to IRA?
Replies: 9
Views: 633

Re: Rollover beneficiary TSP to IRA?

Definitely roll a beneficiary TSP account to an IRA (Or IRAs in the event of a Roth balance). That is my first instruction to my survivor. Low costs and access to G-Fund not worth the inflexible withdrawal options and tax bill for your heirs. EDITED TO ADD: If there is a Roth balance it would be ins...
by motorcyclesarecool
Tue May 15, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4848

Re: New motorcycle rider

You need to have a “mind like water” while riding. You can’t have a wandering mind and either enjoy or be safe riding. Once I had dependents, I had to sell my BMW. I wasn’t enjoying it any longer. Your state might run a motorcycle safety course at-cost. It’s a great way to get your endorsement and p...
by motorcyclesarecool
Thu May 10, 2018 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 3089

Re: Payoff mortgage early or save?

I've always felt that, unless and until you can make one lump sum payment to eliminate the mortgage, you should hold on to extra cash. The bank isn't interested in the fact that you're 12 months ahead of where you should be on your mortgage; your payment is due every month on the 1st. Lose your job...
by motorcyclesarecool
Wed May 09, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7196

Re: Gold ball cracked my house window. Do I have any recourse?

You people poking fun at OP’s typo are savage. Please don’t change.
by motorcyclesarecool
Wed May 09, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1699

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

1. Payoff CC's #1, #2, #6 today. 2. Leave the remaining $1400 in your emergency fund. 3. Set your retirement withholdings to the minimum to get your 5% match. Forget about any other retirement savings for the next 2 years. Paying off the CC's is your #1 priority. Your goal should be to payoff the C...
by motorcyclesarecool
Tue May 08, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Talk to me about HSA’s. Do they make sense for us?
Replies: 9
Views: 1206

Re: Talk to me about HSA’s. Do they make sense for us?

This year has been the most expensive year with costs totaling nearly 2k thus far. Costs may go down over the next few years but I am not sure. I believe in a year or two we can transition away from psychiatrist to pediatrician. Speech therapy will eventually end. But perhaps more needs might devel...
by motorcyclesarecool
Mon May 07, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?
Replies: 14
Views: 1606

Re: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?

jhfenton wrote:
Mon May 07, 2018 8:39 pm
If the parents are married, then no. They are each eligible to contribute $6,900, but their combined limit is also $6,900.

If they are unmarried cohabitants, then sure, they would each have separate $6,900 limits.
How about if they file separately?
by motorcyclesarecool
Mon May 07, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?
Replies: 14
Views: 1606

Family of Four, two HDHPs, two HSAs, $13,800 in contributions?

Purely hypothetical scenario:

Family of 4 with two working parents. Each has “self plus one” HDHP coverage. What would stop that family from being able to contribute $6800 to his and hers HSAs, for a grand total of $13,800?
by motorcyclesarecool
Sat May 05, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Moving - Move Financial Documents or Send via UPS?
Replies: 7
Views: 697

Re: Moving - Move Financial Documents or Send via UPS?

If you spiral bound the papers into books, you could ship them using Media Mail. Media mail is how I shipped my library to and from grad school.

http://about.usps.com/notices/not121/not121.htm
by motorcyclesarecool
Thu May 03, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 3001

Re: Stock Buybacks as a Global Trend?

patrick013 wrote:
Thu May 03, 2018 1:30 pm
What if the buyback is involuntary ? So if you needed the
money you could sell your shares anyway. But a buyback forces
you to sell your shares you might want to keep. To me it's
kind of a non-event then.
I’m not sure I know what you’re talking about, other than taking a company private...
by motorcyclesarecool
Thu May 03, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 3001

Re: Stock Buybacks as a Global Trend?

It is really easy for the layperson to see something sinister in a financial tool he or she doesn’t understand. Almost everyone understands dividends, but very few understand how stock buybacks are better for the shareholders tax-wise than dividends. It’s easy to grab their attention to alarming ar...
by motorcyclesarecool
Thu May 03, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: former employer 410K to Rollover IRA Vs current employer
Replies: 9
Views: 787

Re: former employer 410K to Rollover IRA Vs current employer

Are you now or could you soon be in a position to desire to make backdoor Roth contributions? If so, then keeping your Traditional savings in a §401(k) vehicle will be more to your advantage than rolling to Traditional IRA.