Search found 325 matches

by 3feetpete
Mon Feb 18, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: Ultra Safe Withdrawal Strategy?
Replies: 21
Views: 1189

Re: Ultra Safe Withdrawal Strategy?

You are overthinking it for being far away from retirement. Just do the best you reasonably can on saving and investing and work out the details when you get closer to retirement. 80/20 is fine for now and in my opinion for later as well. If you retire at 50 you are looking at a 30-40 year timeframe...
by 3feetpete
Fri Feb 15, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: any instructional designers out there
Replies: 1
Views: 98

any instructional designers out there

My daughter is thinking of getting a MS in instructional design which would qualify her to develop online training courses. I would appreciate feedback on this career choice from any Bogleheads that are in that field.
by 3feetpete
Wed Feb 13, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 38
Views: 2019

Re: One week family vacation in Miami/Fort Lauderdale Area

Uber works well there. I think if you stayed near the beach and restaurants you could get away without a car. Look for condo or Airbnb rentals over hotel. I like the Fort Lauderdale area and for $30 or so you could take an uber to Miami South Beach for a day trip. Or head north to Boca which I like ...
by 3feetpete
Sat Feb 09, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3891

Re: replacing tires on AWD cars do you have to do all 4

Thank you onourway for your suggestion. I canclelled my order for four tires and ordered one from Tirerack shaved to match my other tires. You saved me almost $600. I owe you a beer! BTW the charge now is $30 for shaving but still worth it. Shaving tires is one option that sometimes makes sense, bu...
by 3feetpete
Thu Feb 07, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1295

Re: Home Warranty

I had the realtors split the cost of a warranty when I bought my current home. 6 months later in the dead of winter the furnace went out. It was replaced under the warranty. Overall I was satisfied with the experience with a couple of caveats. They replaced the furnace with an equivalent model. Ther...
by 3feetpete
Thu Feb 07, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Removing mold in car carpeting?
Replies: 9
Views: 524

Re: Removing mold in car carpeting?

Try an Ozone generator. See the reviews on them in Amazon.
by 3feetpete
Thu Feb 07, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pension valuation: is $100 really worth $18,000?
Replies: 87
Views: 7731

Re: Pension valuation: is $100 really worth $18,000?

You could make an argument that it is worth more than that at least in the early years of retirement. If you feel that a 4% withdrawal rate is safe then having a $1200/year pension would reduce the amount you needed in you retirement plans by $1200/.04 or $30,000. As time goes by and inflation eats ...
by 3feetpete
Thu Feb 07, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3891

Re: replacing tires on AWD cars do you have to do all 4

Yes, with your Subaru you should do this. Ask your mechanic to order one tire from Tire Rack shaved to the depth of the remaining three tires. They charge about $15 for this service. Thank you onourway for your suggestion. I canclelled my order for four tires and ordered one from Tirerack shaved to...
by 3feetpete
Thu Feb 07, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: 2012 Subaru Outback head gaskets?
Replies: 12
Views: 1018

Re: 2012 Subaru Outback head gaskets?

I had a 2006 that needed a new head gasket at 100k miles. The only sympton I had was the oil leak and resultant smell. I looked at doing it with the timing belt and it didn't save me much. I ended up doing them seperately a few years apart to ease the pain.
by 3feetpete
Wed Feb 06, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3891

Re: replacing tires on AWD cars do you have to do all 4

Thanks for all the prompt responses. That's a very good point about the tire pressure affecting the diameter more than the tread wear. And for that matter the different wear between the front and the back can be significant as well. I think it's 90% BS but the owners manual says so and I went ahead ...
by 3feetpete
Wed Feb 06, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3891

replacing tires on AWD cars do you have to do all 4

Do you really have to replace all four tires on an AWD car if only one is bad. My wifes 2006 Subaru Outback got a nail in the sidewall. Two different places recommended I replace all four saying that to replace one or even two at a time would potentially damage the transmission. Sounds like BS to me...
by 3feetpete
Mon Feb 04, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 35
Views: 1633

Re: Tips/suggestions for skiing out west?

Try Alta in Utah. I haven't skied there recently but they generally priced themselves less than the major Colorado mountains and it's an incredible mountain. Get there via Southwest Airlines they have reasonably priced flights from the east coast to Salt Lake CIty and they will save you on bags espe...
by 3feetpete
Sun Feb 03, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Need help. Multiple unexpected hard inquiries affecting my credit score
Replies: 7
Views: 1076

Re: Need help. Multiple unexpected hard inquiries affecting my credit score

If you are able to, pay off or nearly pay off your credit cards and your credit score will go up.
by 3feetpete
Fri Feb 01, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 72
Views: 6094

Re: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]

It appears he is comparing the total return of the bond fund to the yield of an individual bond. The total return was low because interest rates were going up and so the value of the bonds within the fund were going down. The same would have been true with the individual bonds during that timeframe....
by 3feetpete
Sun Jan 27, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Quarterly payments to Medicare
Replies: 11
Views: 1003

Re: Quarterly payments to Medicare

So does everybody’s Medicare bill get mailed out on the same day then come due on the same day each quarter. You would think they would be smart enough to stagger it and even out the workload for their employees.
by 3feetpete
Sat Jan 26, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Quarterly payments to Medicare
Replies: 11
Views: 1003

Quarterly payments to Medicare

It’s been over two weeks since I mailed my credit card payment to Medicare and the charge hasn’t dropped into my account yet. I’ve noticed before that they are pretty slow at processing charges but this is longer than usual. It might be awaiting processing due to the shutdown or it might be lost. Te...
by 3feetpete
Fri Jan 25, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from Accumulating to Drawing
Replies: 24
Views: 2341

Re: Switching from Accumulating to Drawing

I was in almost exact situation 2 years ago. Except my wife had medical insurance. I did the Monte Carlo simulations on firecalc.com. It showed 100% chance of success (not running out of money) First thing you have to do is know what you costs will be. I tracked mine on Mint for 6 months then adjust...
by 3feetpete
Fri Jan 25, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Keep home internet service or drop it for Verizon hotspot with 20GB on 4G LTE
Replies: 10
Views: 734

Re: Keep home internet service or drop it for Verizon hotspot with 20GB on 4G LTE

I had Myfi from Verizon for several years. I though it was pretty good wherever I had a strong verizon signal. It was provided by the company I worked for so I don’t know what plan it was on.
by 3feetpete
Thu Jan 24, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: VCIT Rising
Replies: 17
Views: 1306

Re: VCIT Rising

I've owned VCIT for several years. I wouldnt sell it now unless you feel impelled to change your asset allocation. I've seen it go through a couple of cycles where it losses value when the feds increase the interest rates and then gradually catches back up when the feds stop raising rates. The last ...
by 3feetpete
Wed Jan 23, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: Your Retirement W/D method and why?
Replies: 40
Views: 3697

Re: Your Retirement W/D method and why?

I withdraw monthly to meet my expenses from my Vanguard settlement account. That account is fed by dividends and supplemented by the occasional sale of either bond funds or stock funds. When I do that I bring the settlement fund up to around 6 months expenses after allowing for upcoming dividends. I...
by 3feetpete
Sun Jan 20, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1854

Re: Importance of college summer internships??

An internship is important. Anything she can do to distinguish herself from other students will help. If she can't get an internship with a sexy megacorp she should try for one with a smaller company or non-profit. Or she could get a job with her college that would give her some marketing or communi...
by 3feetpete
Sun Jan 20, 2019 9:31 am
Forum: Personal Investments
Topic: Storage facility as investment.
Replies: 25
Views: 2500

Re: Storage facility as investment.

It's a very good business. There are some pitfalls though. There are consultants that help you avoid them. A friend of mine worked with some and was very successful as a result. There are a couple of associations that will give you more information.
by 3feetpete
Sat Jan 19, 2019 5:17 pm
Forum: Personal Investments
Topic: Should I increase my stock allocation to 90% stocks?
Replies: 63
Views: 4922

Re: Should I increase my stock allocation to 90% stocks?

Aside from your home purchase, you are looking at a 20 year timeframe to retirement and another 30 year timeframe while in retirement. You can hardly go wrong with 100% stocks over that long a period. I wouldn't rush into selling bonds right now though. The bonds you own have probably lost a couple ...
by 3feetpete
Sat Jan 19, 2019 4:53 pm
Forum: Personal Investments
Topic: would appreciate your thoughts
Replies: 22
Views: 1816

Re: would appreciate your thoughts

The Wizard wrote:
Thu Jan 17, 2019 9:45 pm
$50k seems a lot for a wedding, especially if it stresses your finances.
I would probably rethink that...
I am going through wedding costs right now for a wedding this summer. 25k for a party of 90 and I haven't been trying to cut costs.
by 3feetpete
Sat Jan 19, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: Ever heard of "Floating island" strategy?
Replies: 19
Views: 2661

Re: Ever heard of "Floating island" strategy?

Beware anyone that talks or writes in buzzwords.
by 3feetpete
Sat Jan 19, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: What is going on with my Vanguard account
Replies: 7
Views: 1629

Re: What is going on with my Vanguard account

Glad to hear it worked out. We have our investment portfolio with Vanguard and thus have never had a problem with Portfolio Watch. I would consider the possibility of consolidating everything to make your financial life easier. Less paperwork, easy on family and heirs, easier tax reporting, used to...
by 3feetpete
Sat Jan 19, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: What is going on with my Vanguard account
Replies: 7
Views: 1629

Re: What is going on with my Vanguard account

lukestuckenhymer wrote:
Fri Jan 18, 2019 8:15 pm

Most likely related to this change that happened in November:
https://www.fidelity.com/bin-public/060 ... f_FAQs.pdf
Yes. That was probably it.
by 3feetpete
Fri Jan 18, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: What is going on with my Vanguard account
Replies: 7
Views: 1629

Re: What is going on with my Vanguard account

Actually I just figured it out. Fidelity changed it's ticker symbol for a couple of it's funds and the fidelity app couldn't update the price with the old symbol. I was able to edit the ticker symbol on the app and now it works well and my entire portfolio is accounted for. There are a few percent o...
by 3feetpete
Thu Jan 17, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: What is going on with my Vanguard account
Replies: 7
Views: 1629

What is going on with my Vanguard account

For several years I have tracked my outside accounts as well as my Vanguard account with the Vanguard App. I've found it very convenient to use the Vanguard Portfolio Analyser to keep track of my AA and other things. Lately though it seems to be having trouble with Fidelity Funds. A few weeks ago it...
by 3feetpete
Fri Jan 04, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2721

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I like most of the new hi tech safety features, lane departure warning, cross traffic allert, emergency braking. I could do without adaptive headlights but their okay. I definitely would not want rain sensing windshield wipers. Replacing a windshield with them cost $1300 vs $200-$300 for a normal wi...
by 3feetpete
Fri Jan 04, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2721

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I like most of the new hi tech safety features, lane departure warning, cross traffic allert, emergency braking. I could do without adaptive headlights but their okay. I definitely would not want rain sensing windshield wipers. Replacing a windshield with them cost $1300 vs $200-$300 for a normal wi...
by 3feetpete
Fri Jan 04, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2721

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I got hit with the same line when buying a Hyundai. Plus they tried to convince me to buy an extended warranty because the newer cars have many more computers than the older ones. I’ll take my chances and warranty it myself.
by 3feetpete
Thu Jan 03, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11227

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

Try Constructiton companies. As an industrial engineer your son would probably be looked at by mechanical contractors and maybe civil contractors as well and they don’t typically attract A students. Last I heard construction companies were having trouble filling all levels.
by 3feetpete
Thu Jan 03, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Budgeting
Replies: 10
Views: 1496

Re: Retirement Budgeting

Set up a budget on Mint and track your expenses there for the next six months. Then adjust the budget as necessary. Be sure to allow for income tax withholding if you are drawing from 401k or IRA Also allow for health insurance Mint allows you to link credit cards and bank accounts so it makes track...
by 3feetpete
Wed Jan 02, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

I use Monster noise cancelling headphones that I bought for a little over a $100. They work well and are comfortable.
by 3feetpete
Wed Dec 19, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2716

Re: Tips for a cold bedroom above a garage?

I had a home office above a garage and it was always cold. It was too far away from the furnace and just not getting enought forced hot air heat. I looked into the inline duct fans that one of the previous posters mentioned. In the end I went with the cheaper option of buying a duct fan that just si...
by 3feetpete
Wed Dec 19, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Tire damage question
Replies: 17
Views: 1195

Re: Tire damage question

Did the shop remove and remount the tire or just inflate it. If he removed it would be very evident if the tire was ruined. A tire run flat has a lot of loose rubber flakes inside it.
by 3feetpete
Wed Dec 19, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Disney/Univ Studio in Spring Break - is it crowded?
Replies: 48
Views: 1929

Re: Disney/Univ Studio in Spring Break - is it crowded?

I visited last Spring break. It was extremely crowded to the point that it wasn't worth it. The other thing that annoyed me is that the two Harry Potter areas are in different parts of Universal and so you have to buy tickets to both parks if you want to both areas. And with the long lines, there is...
by 3feetpete
Sat Dec 15, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: AA for a Retiree being a Booglehead
Replies: 20
Views: 1707

Re: AA for a Retiree being a Booglehead

Before I retired I made sure I had enough in bonds that I would never be forced to sell stocks after a market crash. So I increased my bond alocation to the point where it could cover all my costs past the age of 70 at which point my increased SS benefits will cover my fixed costs. Right now my bond...
by 3feetpete
Fri Dec 07, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 3031

Re: Climate Concerns re: small Jersey Shore Vacation Home

I have owned a small condo in Maryland for 17 years. My questions are: 1)Are Flood insurance costs built into the Common charges of the condo building? Flood insurance costs re built into HOA's. They cover the structure only. Not the furnishings. 2) Should I be concerned about large insurance incre...
by 3feetpete
Fri Dec 07, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 2058

Re: Do I have a rebate, subsidy, savings for you!

The worst in my opinion are the cable tv/internet providers. They offer much lower pricing to new customers and treat loyal existing customers terribly. The only way for an existing customer to get a fair deal is to quit or threaten to quit every year. What other industry has a business model like t...
by 3feetpete
Wed Nov 28, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6153

Re: Why is the Honda Fit so hard to find?

Consider buying the Fit as available and install after market leather seat covers. You can find and order on the internet. Real leather custom fit will cost you around $350 just for the front seats. You can get faux leather for a lot less on Amazon but they won't last as long. But as cheap as they a...
by 3feetpete
Tue Nov 27, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE calculator questions
Replies: 4
Views: 1125

Re: FIRE calculator questions

yes 150k is too much to allow for taxes even if all of the money is coming from IRA's and therefore taxable as ordinary income. (unless you are allowing for state income tax and real estate taxes as well)
by 3feetpete
Wed Nov 21, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Help me winterize my Civic
Replies: 14
Views: 1304

Re: Help me winterize my Civic

Based on tire rack recommendations I bought a set of Bridgestone Blizzaks for my Daughters Civic. True to form it’s hardly snowed for the past two winters. They do stop well on ice.
by 3feetpete
Tue Nov 20, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 1902

Re: Good audio book for a family?

My daughter and I enjoyed “A Gentlemen in Moscow” while on a 3 day road trip.
by 3feetpete
Tue Nov 20, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1875

Re: Which cars can be unlocked and started from a smart phone?

My Hyundai Tucson Limited edition has Blue Link and can lock/unlock, start, check status from my mobile phone. Very convenient
by 3feetpete
Wed Nov 14, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7532

Re: Honda reliability slipping?

I bought Subaru's twice based on Consumer Reports Reliability. Both had major issues at 100k miles. I will never buy a Subaru again or listen to Consumer Reports. I suspect Consumers doesn't gather much data on high mileage cars. Any car should get 100k miles without a problem so Consumers telling m...
by 3feetpete
Tue Nov 13, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1229

Re: Best Gutter Guard?

Actually i think the manufacturer was Gutter Helmet not Gutter Topper. Same concept though with the curved lip that extends slightly beyond the outside edge of the gutter.
by 3feetpete
Tue Nov 13, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1229

Re: Best Gutter Guard?

Ive used Gutter Topper on the last two homes I have owned. I'm completely satisfied.
by 3feetpete
Tue Nov 13, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5176

Re: Moving to NYC without a job

Further to my advice to just do it; you can jump start your search right now. Change your current location on Linkden and job search sites to New York City. You will get calls right away. My daughter did that when she wanted to move from the Midwest back to the East Coast for similar reasons. It wor...