Search found 836 matches

by dwickenh
Sat Dec 16, 2017 11:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 33
Views: 2711

Re: Holiday thanks to Bogleheads. How have they helped you?

Chip — he was really helpful in advising me on how to simplify my portfolio and fine tune my AA. I really appreciated his suggestions and teaching me how to leverage some of the tools available so I could be comfortable with my choices. Many thanks :beer Celia — She Really helped figure out a Roth ...
by dwickenh
Sat Dec 16, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2868

Re: Is anyone putting money aside into Gold?

No Gold as I think Treasuries will do the same thing in a down market and they do pay some interest. If interest rates ever go back up to anything resembling historically normal levels, Treasurys will get massacred, whereas gold may do very well. Just look at the 1970's for an example of this. I tr...
by dwickenh
Sat Dec 16, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 94
Views: 4254

Re: How much do you spend on food per month, per person?

2 adults, 300 each for total food of 600.00 per month counts Margarita Mix and some Stella.
by dwickenh
Sat Dec 16, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 47
Views: 3571

Re: When to move into bonds

I am 61 and at 50/50. I don't want to lose a lot if stocks go down and stay down. And this year at 50/50. I have still done avout 13% return. My portfolio still has enough stocks to grow. Last thing -'don't be greedy - realize you are at a point in life where you need to preserve too. +1 I could no...
by dwickenh
Sat Dec 16, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2218

Re: Bitcoin futures with Fidelity

Let me call the shoeshine guy down at the train station, I am sure he has a connection. :twisted:
by dwickenh
Sat Dec 16, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1940

Re: Electric Energy Usage

All electric with 1751 sq ft and full basement with a/c and heat. 31.55 kWh per day average. House is 6 years old with Geo-Thermal heat pump. 2 Adults and visits from children that shower twice a day it seems. R-15 attic blown and r-13 wall bats. Most of my neighbors are using 2 times the power I am...
by dwickenh
Sat Dec 16, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 47
Views: 3571

Re: When to move into bonds

I am 61 and at 50/50. I don't want to lose a lot if stocks go down and stay down. And this year at 50/50. I have still done avout 13% return. My portfolio still has enough stocks to grow. Last thing -'don't be greedy - realize you are at a point in life where you need to preserve too. +1 I could no...
by dwickenh
Sat Dec 16, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2868

Re: Is anyone putting money aside into Gold?

No Gold as I think Treasuries will do the same thing in a down market and they do pay some interest. If interest rates ever go back up to anything resembling historically normal levels, Treasurys will get massacred, whereas gold may do very well. Just look at the 1970's for an example of this. I tr...
by dwickenh
Sat Dec 16, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion ... Timing
Replies: 19
Views: 1633

Re: Roth Conversion ... Timing

I'm working against the ACA AGI cliff. I may have some room to do a Roth IRA Conversion on maybe $5-10K. Never done it before. Do I need to do the conversion by 12/31 or before my taxes file (assume April 15 ) Same situation here for next year. I did a practice run this year and converted 8242.00 f...
by dwickenh
Sat Dec 16, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2868

Re: Is anyone putting money aside into Gold?

No Gold as I think Treasuries will do the same thing in a down market and they do pay some interest.
by dwickenh
Fri Dec 15, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?
Replies: 26
Views: 2365

Re: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?

Just retired 18 months ago and have kept spread sheet on fixed costs of 30,504 which includes healthcare. Total with discretionary is 50,260 including several nice vacations and traveling to kids on the west coast. I am not taking SS at this time, and we will splurge more on discretionary spending w...
by dwickenh
Wed Dec 13, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: States with tax-friendly policies for dividends/LTCG
Replies: 13
Views: 1556

Re: States with tax-friendly policies for dividends/LTCG

The Hall tax in TN is being phased out at a rate of 1% per year and in 2022 TN will join the few other states that have no personal income tax at all. http://www.tennessean.com/story/news/politics/2016/05/20/gov-bill-haslam-signs-hall-income-tax-cut-repeal-into-law/84044810/ https://taxfoundation.o...
by dwickenh
Wed Dec 13, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1348

Re: 3 accounts, 30 plus funds, 330,000 value, 2 advisers

As far as the college tuition goes, you would be better off to get them student loans than use your retirement accounts. It is easier to get a student loan than a retirement loan(there are no retirement loans). I would also spend a little time doing some reading on this forum and formulate a plan to...
by dwickenh
Tue Dec 12, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 62
Views: 5658

Re: State Farm Insurance, Time to Leave

Just finished my first year with Esurance and did not get any rate increase for year 2. I will watch it closely and vote with my feet if they start jacking up the rates. No reason to be loyal to an Insurance Company as they could care less about your loyalty- only your wallet. Disclosure: retired fr...
by dwickenh
Tue Dec 12, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tom's First Post needing portfolio help
Replies: 10
Views: 1061

Re: Tom's First Post needing portfolio help

Hello everyone, this is my first post. Emergency funds: yes we have 3-6 months Debt: Student Loan total debt of $55,000 at 3.9% fixed. $288,000 mortgage at 4.25% fixed for the next 28 years. Tax Rate: 15% Federal, 6% State, Married Filed Jointly Age: 33 Desired Asset allocation: I like the idea of ...
by dwickenh
Tue Dec 12, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2152

Re: Cricket Wireless: What are the gotchas?

changed from AT&T to Cricket and was glad to see it is the same network. No problems with service, but we don't tether a hot spot either. Went from 95.00 per month to 60.00 per month with more data. Best thing I did last year to save 420.00.
by dwickenh
Tue Dec 12, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 5530

Re: Any of you trade just a little as a hobby?

Toons wrote:
Tue Dec 12, 2017 9:17 am
No.
I would rather ride my bike. :happy
Doesn't that mustache get caught in the pedals? :mrgreen:

Best to you Toons,

Dan
by dwickenh
Tue Dec 12, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1538

Re: Parking Lot Dent: Pay myself or submit claim

Not necessarily- not all Insurance companies report to carfax. This would not be a major ding on carfax anyway- 4 year old vehicle with 2 panels damaged i would turn in the claim and let Geico handle the payment. maybe. maybe not. i automatically disqualify any used car from consideration if it's b...
by dwickenh
Mon Dec 11, 2017 11:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 33
Views: 2711

Re: Holiday thanks to Bogleheads. How have they helped you?

I have received help from multiple sources including the authors of both Boglehead books. Thanks to Watty for fixed income(CD) training Thanks to PkCrafter for your great on-line book on investing that I keep on my tool bar for reference Thanks to Miriam for your thoughtful posts on life. Thanks to ...
by dwickenh
Mon Dec 11, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1538

Re: Parking Lot Dent: Pay myself or submit claim

Did you hit another car? If you care about resale rates you won't want to do this through the insurance because then the work done will end up on the carfax report. Not necessarily- not all Insurance companies report to carfax. This would not be a major ding on carfax anyway- 4 year old vehicle wit...
by dwickenh
Mon Dec 11, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Year End Planning Roth Conversion / ACA
Replies: 1
Views: 214

Re: Year End Planning Roth Conversion / ACA

The roth conversion will count as income for this year if you convert before Jan 1st. It will affect this years subsidy to the extent of the amount you convert into income. It will not affect next year's subsidy unless you do a roth conversion again next year. You can test the subsidies with your ne...
by dwickenh
Mon Dec 11, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1620

Re: Progressive Insurance

I used them for years and was perfectly happy. Only changed when I came to the same realization. Insurance is one product where loyalty is not much rewarded. It pays to shop around. +1 I was with American Family Auto and Homeowners for 5 years or so(retired from the claims division) and changed to ...
by dwickenh
Mon Dec 11, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3629

Re: best cashback credit card ?

Paypal Mastercard from Synchrony Bank is 2% back on everything in cash.
by dwickenh
Sun Dec 10, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3473

Re: Can/Should early retiree avoid ACA tax credits?

My wife and I would be paying over 30,000 this year without subsidies. I have never taken a government handout in my life. This is part of the tax code, and I have taken full advantage of the tax laws my whole life. This is no different. I do not feel "dirty" or soiled by this act. Your own moral va...
by dwickenh
Sun Dec 10, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 11
Views: 903

Re: Build credit or pay in full

Just bought a new car, put 20+% down and financing over 3 years My credit score is good, but at 32 I’d like to build my credit even more Should I pay off the loan ASAP or make the payments to benefit my credit. I have the money already I was thinking of doing double the amount per month and financi...
by dwickenh
Sun Dec 10, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8939

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

There is so much wisdom on this site, I’m hoping to tap into it yet again. My DH and I have been married for 10 years and have one DD, age 8. Although we have plenty of advantages (both college educated, good jobs, etc) we still are what I would call bumbling through life and rudderless. Part of th...
by dwickenh
Sun Dec 10, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2566

Re: What mix of intermediate and short term bonds?

Delaying SS and living off a small pension and my taxable account. I have VSCSX (short term corporate bond) in my taxable account for withdrawals. In my IRA I have 50/50 in Total bond and IT corporate bond. My intent is to not draw from the IRA for 7 + years at 70 1/2. The daily changes in this acco...
by dwickenh
Sun Dec 10, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Question- 401K Rollover to IRA or Keep in 401K
Replies: 4
Views: 230

Re: Retirement Question- 401K Rollover to IRA or Keep in 401K

The expenses in the existing 401K and investment choices matter. I moved my 401K to an IRA for investment choices and ability to access withdrawals in a more efficient manner. He needs to be comfortable moving to a low cost brokerage that he can direct himself with a simple 3 fund portfolio. If he t...
by dwickenh
Sun Dec 10, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ACA problem
Replies: 10
Views: 1259

Re: Help with ACA problem

She is not intentionally misrepresenting her income. Due to circumstances too lengthy to describe here are the reasons she won't make the minimum necessary. If she applies for ACA with a subsidy for next year and yet again overestimates her income, are there consequences? There are no penalties ass...
by dwickenh
Tue Dec 05, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Thanks! We just let our VG PAS advisor go...
Replies: 14
Views: 3178

Re: Thanks! We just let our VG PAS advisor go...

The truth will set you free.......

Best wishes for continued success,

Dan
by dwickenh
Fri Dec 01, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3176

Re: I'm 100% international with VEU. Is this wise?

I find it real funny that folks think it is perfectly OK to have 100% of your stocks in US equities but accuse someone who is 100% international of being a gambler. US stocks haven't been this expensive since 1999/2000.. Look how that turned out. Also notice how i said 100% *OF* stocks not 100% sto...
by dwickenh
Fri Dec 01, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3176

Re: I'm 100% international with VEU. Is this wise?

Were you 100% last year, or are you just 100% now due to this years great returns? Actually, I have been 100% since summer 2015. I tax lost harvested EOY 2015 after it went down a bit. Converted from VXUS -> VEU. I was early, but over the past year the stock has started to pop. I'm going to continu...
by dwickenh
Fri Dec 01, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advice Needed
Replies: 16
Views: 1149

Re: Financial Advice Needed

Assuming you have other income that comes in the form of a paycheck that is deposited into a checking account, I would substitute the cash for purchases you normally make with a check, or a debit or credit card. For example, pay cash for gasoline, rather than a card. The same with groceries, or Wal...
by dwickenh
Fri Dec 01, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3176

Re: I'm 100% international with VEU. Is this wise?

Were you 100% last year, or are you just 100% now due to this years great returns?
by dwickenh
Wed Nov 29, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 18111

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Good article outlining the positives and negatives of this investment.

https://wealthyaccountant.com/2017/11/2 ... lles-heel/
by dwickenh
Tue Nov 28, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 18111

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Did you expect someone of Jack's experience to support a crypto currency that has ballooned in value over a short period of time. This is one of those stories that the "happily ever after" is not known until the end of the book. I would be shocked if he did recommend it!! I don't expect ANY financi...
by dwickenh
Tue Nov 28, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2287

Re: Considering Building Gaming PC - Good Builds/Price Points?

brad.clarkston wrote:
Tue Nov 28, 2017 8:51 pm
slayed wrote:
Tue Nov 28, 2017 8:45 pm
I would just spend $300 and pick up a Playstation 4, unless there are specific games that you want to play that are not available on console. Otherwise a PC just for gaming doesn't make much sense.
There's about a billion people that disagree with that statement, me included.
+1
by dwickenh
Tue Nov 28, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use FutureAdvisor ?
Replies: 4
Views: 581

Re: Anyone use FutureAdvisor ?

Simple is much better than complicated. It needs to look hard for you to need their help. I have a free FutureAdvisor account just to see their take on investing. I am not impressed.

Best to you,

Dan
by dwickenh
Tue Nov 28, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 18111

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Did you expect someone of Jack's experience to support a crypto currency that has ballooned in value over a short period of time. This is one of those stories that the "happily ever after" is not known until the end of the book. I would be shocked if he did recommend it!!
by dwickenh
Tue Nov 28, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5379

Re: 2018 Goals - Financial or Otherwise

1. Make it through the year without any recurrences for my wife

2. Make it through the year with ACA Healthcare and get one year closer to Medicare.

3. Enjoy 2 months in Florida with my wife and friends.
by dwickenh
Tue Nov 28, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: The impact of expenses - a call for creativity
Replies: 19
Views: 1313

Re: The impact of expenses - a call for creativity

Try the Finra site for examples of expenses on returns over different investment periods.

http://apps.finra.org/fundanalyzer/1/fa.aspx
by dwickenh
Tue Nov 28, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Toilet tank not refilling
Replies: 5
Views: 652

Re: Toilet tank not refilling

Take the tank lid off when it fails to fill and have a look. I've seen two kinds of floats - older ones where the float is on a lever, and newer where the float is concentric to the overflow tube that runs up from the inlet. Are those floats moving freely? I've had them jam. The valves frequently h...
by dwickenh
Sun Nov 26, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9463

Re: What did you do right?

I worked extra hours in management to allow my wife to stay home and raise our 4 children. She did this by choice and we have been thankful for the great adults we have raised. There are no guarantees with children, but her love helped get them on the right footing for life. After the children were ...
by dwickenh
Sat Nov 25, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: the psychology of a taxable account
Replies: 29
Views: 2598

Re: the psychology of a taxable account

When you have to pay capital gains taxes, you will decide that the money is "untouchable" as well. :) If you don't believe that investing tax-efficiently in a taxable account will well exceed the interest you pay on your mortgage (before tax and after tax), then it seems that you do not understand ...
by dwickenh
Sat Nov 25, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Bond fund duration(s) in retirement
Replies: 16
Views: 1360

Re: Bond fund duration(s) in retirement

Let's assume that an investor approaching retirement, or in the first few years of retirement, uses bond funds for the bond portion of his or her asset allocation. Let's also assume, for the moment, that (s)he accepts the view that intermediate-term (IT) bonds (or bond funds) represent the best dur...
by dwickenh
Sat Nov 25, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1504

Re: Charcoal grill

My neighbor has a Traeger Pellet Smoker that is great. Control from a smart phone, set exact temp and time. Too expensive for my taste, but I love to eat his cooking. Runs from 450 to 1000 at Lowes and Home Depot.
by dwickenh
Sat Nov 25, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17652

Re: The fallacy of spending money on "experiences" vs hard assets

Per your last sentence, you hate vacations so it makes sense that you don't see the value in experiences. I believe experiences don't always have to be vacations. You may want to broaden your thinking on experiences for a better outcome.

Dan
by dwickenh
Fri Nov 24, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio and savings
Replies: 7
Views: 830

Re: Please critique my portfolio and savings

Welcome !!!

Two questions and one note.

Why so much cash?
How much are you contributing yearly and to what accounts

You should edit the post to show the names of the funds, not just the ticker symbols.

Smart people(not me) will answer intelligently with some more information.

Dan
by dwickenh
Fri Nov 24, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8933

Re: Why does everyone keep increasing their international stock %?

livesoft wrote:
Thu Nov 23, 2017 9:26 pm
I think the main reason for recent increases is chasing performance. After all, international funds have finally outperformed US funds in 2017. It may be time to start rebalancing out of international funds for that reason.
+1 or just not chase performance in the first place!