Search found 468 matches

by 2pedals
Tue Aug 07, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6959

Re: "Skin in the game"

My parents were unreasonable. The coup de grace though was hearing from my brother after my mother died that my mother told him that she paid for my entire education. :oops: This brings up very important issue for me. My parents paid for my older brothers education in a private school. When it came...
by 2pedals
Tue Aug 07, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53105

Re: "What Fidelity's No-Cost Index Funds Mean for Investors"

Thank you for the link

I find this a very interesting development. I have been with Fidelity since 1983 and I am very pleased with the lower costs.
by 2pedals
Tue Aug 07, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12728

Re: "Age in Bonds" fails almost everyone

Fails almost no one compared to someone who follows no AA rule. How many young people fail to keep a 90/10 AA after a market crash? I have seen it happen over and over again, many people can not stay the course. What if you are not risk averse and just started saving money out of college? After a 45...
by 2pedals
Mon Aug 06, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6959

Re: "Skin in the game"

Can we all agree at least that perhaps the parents are the ones who know their kids the best and let THEM decide if paying tuition for their kids will somehow ruin their children? Agreed, I think that there are many other things in life that could possibly ruin a kid (it depends on the kid). "Fully...
by 2pedals
Sun Aug 05, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 304
Views: 41356

Re: Good Modern Science Fiction

I just finished reading Orbs I, II, III and IV books by Nicholas Sansbury Smith. I really liked it. A thriller about the world being wiped out and controlled by superior multi-dimensional alien masters!
by 2pedals
Sun Aug 05, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stress testing my portfolio
Replies: 28
Views: 1998

Re: Stress testing my portfolio

You say you are planning for the worst and hoping for the best. Where is the plan? For example if you are unemployed for over a year in your career of choice will you shift your career expectations. Will you ask your family as well? Will you learn a new skill to prepare for the worst? Scenario plann...
by 2pedals
Sun Aug 05, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Stress testing my portfolio
Replies: 28
Views: 1998

Re: Stress testing my portfolio

In summary, the plan allowed for 5 years before any stock needs to be sold. If you or family are able-bodied and cannot find some form of employment within 5 years, people and friends around you are going to need help as well. Life as we know it will change and people will be forced to share resour...
by 2pedals
Tue Jul 31, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4895

Re: Air Conditioning? [How to finance?]

Seattle area resident

Today will reach 82°F (currently my house 75°F outside 78°F, 47% relative humidity mostly sunny), with no more days above 80°F for all of August. Slightly warm day for Seattleites.
by 2pedals
Tue Jul 31, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1406

Re: Are women worst at investment?

Unless I missed it this piece says woman invest less (in favor of keeping savings in cash), it doesn't say woman are worse at investing. I don't have a source, but I've actually read somewhere that women are better at investing because they leave their investments alone instead of bouncing around t...
by 2pedals
Sun Jul 29, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4895

Re: Air Conditioning? [How to finance?]

Only a few more days and back to cool weather (< 80°F), the heat wave is almost over, check into a hotel or drive to ocean shores where it 60°F today. Plan for next year, I would wait a few months before getting quotes in the middle of a heat wave.
by 2pedals
Sun Jul 29, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9136

Re: Vanguard Paper on Roth Conversion Analysis

See my article on this in the April 2013 issue of Trusts & Estates: https://www.kkwc.com/wp-content/uploads/2015/04/uf_Roth_Conversions_Are_More_Attractive_Under_ATRA.pdf. It's hard to calculate this precisely since there are lots of variables. But there are lots of people who should be considering...
by 2pedals
Sat Jul 28, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9136

Re: Vanguard Paper on Roth Conversion Analysis

But why no talk/analytics about the Roth IRA and it's value as an estate-planning tool? I think this is probably the most important feature (for me at least). In my mind this is just a different scenario on the tax rate questions. It also brings more assumptions and complications as well as you nee...
by 2pedals
Sat Jul 28, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9136

Re: Vanguard Paper on Roth Conversion Analysis

But why no talk/analytics about the Roth IRA and it's value as an estate-planning tool? I think this is probably the most important feature (for me at least).
by 2pedals
Sat Jul 28, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9136

Re: Vanguard Paper on Roth Conversion Analysis

http://i65.tinypic.com/2luyoi9.png I am totally lost. :oops: My thinking was to pay now if your tax brackets are expected to be higher in the future, avoid unnecessary RMD's and lumpy taxes/expenses. Also a Roth is an excellent vehicle for legacy reasons, if heirs maintain the investment and take o...
by 2pedals
Mon Jul 23, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 5009

Re: Pay for college with cash flow

I'm wondering if holes can be poked in this strategy. My experience, it was way nice to have a pot of money dedicated for my daughter's education. It acted as "family" motivation for saving for our future. Mainly psychological encouragement so that my daughter understood that her parents have a gre...
by 2pedals
Sun Jul 22, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Replies: 36
Views: 3733

Re: Variable Percentage Withdrawal (VPW-adv) for Advanced Users

longinvest wrote:
Sun May 27, 2018 8:51 pm
I have developed a spreadsheet for advanced users of the variable-percentage withdrawal (VPW) method.
Thanks so much, this is really neat work.
by 2pedals
Sat Jul 21, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17043

Re: Salary vs. Lifestyle

What do you really want salary versus lifestyle? I prefer feeling wholeness. Love, joy, happiness, freedom and inner peace are what most people want. If salary helps achieve that wholeness zen I am good with that, if lifestyle help achieve wholeness I am good with that as well. When I was younger my...
by 2pedals
Sat Jul 21, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Please
Replies: 13
Views: 1209

Re: Portfolio Advice, Please

Since this is a large amount in taxable accounts I would pay particular attention to tax efficiency and consider his and her accounts as a whole. Make sure your have the correct asset allocation for the level of risk that you both wish to take going forward (not based on what you used to have). Mana...
by 2pedals
Thu Jul 19, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1944

Re: Good to Go, yes/no?

No kids' colleges to pay for? (always on my mind as I write out well over $100k a year to schools) I'm 3 years older than you. Adult only child post college and working professional living expenses on own and attending masters program online mostly paid for by employer, I pay for nothing. I can't s...
by 2pedals
Thu Jul 19, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1944

Re: Good to Go, yes/no?

JoeRetire wrote:
Thu Jul 19, 2018 9:26 am
(I do have to say that your expenses seem quite low for someone in your income category. Has something changed recently?)
Yes, significant income growth near the end of my career, see edited post above.
by 2pedals
Thu Jul 19, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1944

Re: Good to Go, yes/no?

All, thanks for the encouragement and kudos Last year I was thinking and asked for help on deciding pension option 100%, 75% and 50% J&S. In general is was steered toward selecting the 100% J&S, I am and DW is okay with that. Pension starts the beginning of 1 month after I quit working. Retiree medi...
by 2pedals
Thu Jul 19, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1944

Re: Good to Go, yes/no?

Pajamas wrote:
Wed Jul 18, 2018 11:45 pm
Sounds fine. Are you going to take the lump sum? At least compare an annuity purchased with a lump sum to the pension. I would worry some about the pension over the long term even if it is well-funded, especially considering the need for a freeze.
My current plan is to take the 65k 100% J&S.
by 2pedals
Wed Jul 18, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1944

Good to Go, yes/no?

I am looking forward to retirement within this year or early next year but I want to ask the bogleheads what do you think. I have been planning for my early retirement at age 59. DW age at 57 currently retired. No debt mortgage free, Washington State (no income tax) but high sales taxes. My current ...
by 2pedals
Sun Jul 15, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to apply safe withdraw rule?
Replies: 5
Views: 763

Re: How to apply safe withdraw rule?

Safe for who?
I would say 2.5% is safe in general but, it all depends on your asset allocation, income stream, retirement period, stock market performance etc.
by 2pedals
Sun Jul 15, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5221

Re: Bears!!!

I think I would contact Patti Sowka the person that wrote this article. Her email is listed and ask for her suggestions.
by 2pedals
Sun Jul 15, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 25012

Re: Torn between Vanguard, Fidelity and Schwab

I have been at Fidelity since 1983 and can't remember a single instance where I would call it a sales pitch. They always talked to me about what options and services are available to the investor only and if only I ask them about something specific. Never have they approached me and tried to sell t...
by 2pedals
Fri Jul 13, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14959

Re: COMING SOON: BOGLEHEADS PODCASTS

LadyGeek, I’ll be discussing Bogleheads philosophy, portfolio strategy and discipline tactics with each guest and soliciting their unique views. Rick Ferri How about Bogleheads Views and Ideas Do we really need investing in along with the Bogleheads name? It's like saying I need some Kleenex tissue...
by 2pedals
Thu Jul 12, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14959

Re: COMING SOON: BOGLEHEADS PODCASTS

Podheads & Bogleheads
by 2pedals
Thu Jul 12, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14959

Re: COMING SOON: BOGLEHEADS PODCASTS

The POB POD

for
The Place Of Bogleheads PODcasts.
by 2pedals
Wed Jul 11, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11644

Re: SS taken at 62 vs. 70, but measured from 70+

Women leave work more than 2 years earlier than men on average after receiving less pay during their working years. They need to take SS when they leave the workforce just like most folks retiring as they have no real savings to support the retirement. I believe this but it seems counter-intuitive....
by 2pedals
Tue Jul 10, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 27
Views: 2292

Re: Market Timing - A fool's game?

Set you asset allocation and range. Enjoy you life, "micro market timing" :( sounds too stressful to me to be fun. :happy
by 2pedals
Sun Jul 08, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11644

Re: SS taken at 62 vs. 70, but measured from 70+

Cut and paste from article... And women retire at an average age of 62, a figure that has barely budged in a decade, according to a study by the Center for Retirement Research at Boston College. ...... But if she files at 62, she would only be eligible for her reduced benefit or as little as 32.5 p...
by 2pedals
Sun Jul 08, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11644

Re: SS taken at 62 vs. 70, but measured from 70+

munemaker wrote:
Sun Jul 08, 2018 2:49 pm
Interesting that women claim earlier but live longer. Seems counter intuitive.
Maybe not if spousal benefits are available and lower earner.
by 2pedals
Sun Jul 08, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1095

Re: New ladies bike: recommendations

I would be looking at something like a fitness bike (Trek or Specialized) in the price $700-$1000 range, like the Specialized Sirrus Sport Disc. retail is about $800, you may be able to find one on sale. I would stay away from the MSRP bikes that are say <$600, the quality of components may not be s...
by 2pedals
Sat Jul 07, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11644

Re: SS taken at 62 vs. 70, but measured from 70+

This complcated relationship between other income, SS benefits, and the marginal amount of SS that is taxed can be seen on the lower graph (the one in red) on the Main sheet of my Marginal Tax Rates spreadsheet. Blank cell B7 to choose SS benefit as the variable to graph. Thank you #Cruncher FYI An...
by 2pedals
Thu Jul 05, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: How I use I-ORP, and who shouldn't
Replies: 155
Views: 18958

Re: How I use I-ORP, and who shouldn't

SpideyIndexer wrote:
Thu Jul 05, 2018 9:09 pm
An old thread...but how does one get I-ORP to consider Roth conversions?
Use the extended version and select one of the options in IRA to IRA Roth conversions.

Image
by 2pedals
Thu Jul 05, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11644

Re: SS taken at 62 vs. 70, but measured from 70+

OP Are you married have a significant other, have kids and do you have legacy reasons to be saving your money? If you are investing your money in retirement, sequence of return risks may reduce your safe withdrawal rate. The older you get the less time you have to make up for market drops and you ma...
by 2pedals
Wed Jul 04, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3113

Re: 28 w/heavy small cap tilt?

How sure are you the small-firm effect will continue? Before you make a decision to do a "very small cap tilt" I would suggest reading: A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel . I will save you "reading" time. This is what Professor Mal...
by 2pedals
Wed Jul 04, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11644

Re: SS taken at 62 vs. 70, but measured from 70+

Basically the SSA actuaries will have priced social security to be neutral ie you are no worse off what you do IF you live an average life span. Question: Does this mean a social security recipient would receive roughly the same amount of money from social security regardless of when they start dra...
by 2pedals
Wed Jul 04, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3113

Re: 28 w/heavy small cap tilt?

How sure are you the small-firm effect will continue?

Before you make a decision to do a "very small cap tilt" I would suggest reading: A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel.
by 2pedals
Tue Jul 03, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Tech tilt as hedge against rising cost of living in Bay Area
Replies: 37
Views: 2967

Re: Tech tilt as hedge against rising cost of living in Bay Area

I would not reduce stock diversification for COL reasons.
by 2pedals
Tue Jul 03, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12989

Re: Best 401k Employer Match Structure

About 200% of the first 8%.
Up to 30% of base pay in pre-tax, after tax basis, Roth, or a combination within federal limits. After tax in service withdrawals are allowed (mega Roth conversions).
by 2pedals
Tue Jul 03, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8164

Re: Any Boglehead powerlifters?

Powerlifting is that when someone buys powershares? :twisted:
by 2pedals
Tue Jul 03, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1833

Re: Transporting bikes with an SUV?

Related question to rear mounts: I pass cars on the highway with rear mounts that cover the license plate? Is this legal? Seems like it shouldn't be. Not legal to obstruct license plates. When the kids were young, we did this a lot (carry bikes on the back obstructing view of plate), including long...
by 2pedals
Tue Jul 03, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1833

Re: Transporting bikes with an SUV?

I never considered the insurance issue....then again I don't have $20K worth of bicycles. I don't either, but we take turns driving and a couple of the guys I ride with (Ironman competitors) have much nicer bikes than I do. :happy I don't mean to seem cold and heartless. But their bikes are their r...
by 2pedals
Tue Jul 03, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1833

Re: Transporting bikes with an SUV?

Get a trailer hitch and a bike rack that works with your hitch (1.25" or 2" receiver). I have the Kuat Beta 2 and have seen nothing better. It is lightweight (aluminum) has a internal clamp in the receiver to reduce receiver play and rattle. I do not like the more expensive tray racks, I have yet to...
by 2pedals
Sun Jul 01, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10598

Re: Lost out on promotion

I am sorry you lost out on a promotion, I am sure other opportunities will present themselves. I would like to add many times the boss makes up reasons for not promoting people, many times the decision is not clear cut at all. Almost everyone is qualified for a promotion to a higher level because th...
by 2pedals
Sun Jul 01, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4122

Re: Any Reason to Keep My "Landline" Phone?

I use Ooma as VoIP landline, taxes and fees comes to ∼5 per month (cost includes E911). You can also look into Obihai 2xx devices to use along with Google Voice (no ongoing cost), however if you want E911 you need subscribe to something else with a nominal fee. Could someone briefly summarize Ooma,...