Search found 1518 matches

by dwickenh
Mon Jan 21, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 71
Views: 3371

Re: Is it ever worth purchasing an extended warranty for a vehicle?

Toons wrote:
Mon Jan 21, 2019 1:28 pm
Extended Warranty?
Making money is the objective
And they do,
Pass
:happy
+1 As always direct to the point!!
by dwickenh
Mon Jan 21, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2177

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

Definitely call BCBS and contest this lack of coverage. I have had several bills covered by asking for a second look at BCBS IL. I would also question the Drs office on why it was not explained that Insurance would not cover this. Last thing, if all else fails, I would negotiate the amount of the bi...
by dwickenh
Sun Jan 20, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 10
Views: 742

Re: Should I cancel earthquake insurance?

I have not had earthquake insurance since I start insuring my homes in 1974. I always figured if there was an earthquake large enough to damage my rural house, the Feds would be handing out no interest loans like candy. I could be wrong, but it has worked so far!! A zero interest loan still might r...
by dwickenh
Sun Jan 20, 2019 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3348

Re: Saving accounts

I keep excess savings for short term goals in the Vanguard MM account. It is easy to get, pays decent interest, and keeps me from chasing
the latest WOW offer from all of these banks. I do keep a cash account at my local bank that pays 2.07 on checking account.
by dwickenh
Sun Jan 20, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 10
Views: 742

Re: Should I cancel earthquake insurance?

I have not had earthquake insurance since I start insuring my homes in 1974. I always figured if there was an earthquake large enough to damage my rural house, the Feds would be handing out no interest loans like candy. I could be wrong, but it has worked so far!!
by dwickenh
Sun Jan 20, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 45
Views: 12290

Re: Jack Bogle's Obituary From The Family

I believe the disciples of Jack will continue to spread the word or low cost, simple index investing. Mel, Taylor, and the multitude of financial pundits that have taken up his cause are inspiring. I believe that although Jack's body is gone, his spirit and good will will remain in our hearts and mi...
by dwickenh
Fri Jan 18, 2019 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - Please help with my taxable account
Replies: 2
Views: 395

Re: Portfolio Checkup - Please help with my taxable account

Seems that you 103K is in the right place if it is emergency and house down payment money. I wouldn't take more risk on short term money. The retirement funds are fine for the 401K and the Roth. I would go with individual stock index funds(Total US and Total International) in the Taxable instead of ...
by dwickenh
Fri Jan 18, 2019 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help/Advice/Thoughts
Replies: 8
Views: 557

Re: Help/Advice/Thoughts

It is ok to feel like you are divorcing your adviser, but he will not take it well as you are a good income stream for him. He will try to talk you out of it by stating how hard it is to do retirement planning. It is not that complicated at all. The more simple your investing becomes, the better for...
by dwickenh
Thu Jan 17, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: Dispersion says we’re close to a value cycle (BoAML)
Replies: 5
Views: 1013

Re: Dispersion says we’re close to a value cycle (BoAML)

Even if this analysis has more behind it than you happened to post (i.e. How accurately has dispersion predicted cycle changes in the past - ok, strong negative correlation, but correlations can change, and in the world of investing typically do, no? Is there any reason to expect mean reversion sho...
by dwickenh
Thu Jan 17, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

But I hear they're coming out with an "Classic" option this summer, where you can play the game essentially as it was circa 2006. I'm definitely going to check that out! Sounds interesting as I quit playing due to complications with game play and I was tired of 12 year olds handing me my lunch!! I ...
by dwickenh
Thu Jan 17, 2019 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 116
Views: 16666

Re: St Louis Bogleheads

They are still calling for snow on Saturday in St Louis. The forecast may change several time before then. but we have decided to cancel this Saturday's meeting Jan. 19th. We will try to find a date in February that might work at the same location. PM me with any ideas you have for dates or location...
by dwickenh
Wed Jan 16, 2019 9:40 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44802

Re: John Bogle is dead at 89

I am so happy I got to meet Jack at the Bogleheads in 2017, but I will miss every interview and his uncanny way of making a bond with people. His demeanor and gracefulness were first class. The world has lost a great citizen. Rest in peace Jack and you are already sorely missed.

Dan
by dwickenh
Wed Jan 16, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: HELP and advice
Replies: 11
Views: 701

Re: HELP and advice

Congrats on paying off the prior loan in such a short time. You seem to have worked hard to pay off that liability in a short time. I think there is little doubt that you can afford the house you have found, but it may be hard to take on debt after just paying off a large debt. "The ideal situation ...
by dwickenh
Tue Jan 15, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

I played a lot of WoW back in the day, mostly because it was the only big MMORPG that ran on a Mac. After all those expansions and rules changes and junk, it just got too... complicated. Which is one of the features and bugs with online games: You have to evolve along with them. But I hear they're ...
by dwickenh
Mon Jan 14, 2019 8:54 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 116
Views: 16666

Re: St Louis Bogleheads

We had an active email thread going for a while but it fizzled out. A Facebook group might be good but I don't know if it would do the same. Here is what the South Bay/San Jose, Calif chapter does to keep in touch & sign up - www.bogleheads.org/forum/viewtopic.php?f=9&t=161711&start=100#p4298056 An...
by dwickenh
Mon Jan 14, 2019 8:53 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 116
Views: 16666

Re: St Louis Bogleheads

We had an active email thread going for a while but it fizzled out. A Facebook group might be good but I don't know if it would do the same. Here is what the South Bay/San Jose, Calif chapter does to keep in touch & sign up - www.bogleheads.org/forum/viewtopic.php?f=9&t=161711&start=100#p4298056 An...
by dwickenh
Sun Jan 13, 2019 11:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 18
Views: 1294

Re: Vanguard accounts

What documents, specifically, do I need? If you were paid dividends in a taxable account you will get a 1099-DIV. This arrives the end of January if you have the old mutual fund account and the end of February if you have the brokerage account. If you have both don't file your taxes until you get t...
by dwickenh
Sun Jan 13, 2019 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put VTIAX or VTSAX into taxable account?
Replies: 20
Views: 1392

Re: Should I put VTIAX or VTSAX into taxable account?

If you intend to do any TLH on these in the taxable account, beware of reinvested dividends in the tax deferred accounts.
by dwickenh
Sun Jan 13, 2019 4:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 116
Views: 16666

Re: St Louis Bogleheads

bump it
by dwickenh
Sat Jan 12, 2019 8:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 116
Views: 16666

Re: St Louis Bogleheads

Hello St Louis under snow!!!! Just a reminder of a January meeting on the 19th at the Trainwreck Saloon in Westport. https://www.trainwrecksaloon.com/ The meeting is casual with like minded people sharing successes and failures. I have not reserved any specific space, but per epicahab, it is a laid ...
by dwickenh
Fri Jan 11, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13976

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Take advantage of all tax deferred ,tax free saving vehicles,Ira,Roth,401k,max if possible, Invest you must.You have to put the compounding machine to work you. The compounding machine doesn't sleep ,you do, Stick to a budget( I used and still use Quicken) Live beneath your means Do not live "up" t...
by dwickenh
Wed Jan 09, 2019 10:21 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5270

Re: BHers, what is your Roth IRA %?

44% ira
49% taxable
7% Roth IRA.

Conversions slow now with ACA subsidies. I intend to end up at 25% ira, 25% Roth, 50% taxable.
by dwickenh
Tue Jan 08, 2019 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5680

Re: Negative 13.6% return in 401K for 2018

In my 401K I contribute to only 2 funds, (which you also have): VINIX and VSMAX VINIX is the S&P500 Index. I put 80% of my contribution there VSMAX is the US Small Cap Index. I put 20% contribution there These 2 funds at approximately and 80/20 split essentially gives you the Total US Stock Market....
by dwickenh
Tue Jan 08, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: Larry's new book The Complete Guide to a Successful & Secure Retirement
Replies: 7
Views: 1620

Larry's new book The Complete Guide to a Successful & Secure Retirement

I just received my copy of Larry's new book from Amazon on the porch 10 minutes ago. No report on the contents yet, but I am going to start into it tonight. A link below for any interested parties. https://www.amazon.com/Complete-Guide-Successful-Secure-Retirement/dp/0857197320/ref=sr_1_4?ie=UTF8&qi...
by dwickenh
Mon Jan 07, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4774

Re: For those retired a few years

Retired 2 1/2 years and spending is a little higher than my prior take home pay. This is mainly due to more free time to spend on hobbies and fun travel. I still am spending only 3.8% withdrawal along with pension. SS will start in 21 months for me and my SAHW is drawing a reduced amount on her own...
by dwickenh
Sun Jan 06, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4774

Re: For those retired a few years

Retired 2 1/2 years and spending is a little higher than my prior take home pay. This is mainly due to more free time to spend on hobbies and fun travel. I still am spending only 3.8% withdrawal along with pension. SS will start in 21 months for me and my SAHW is drawing a reduced amount on her own ...
by dwickenh
Wed Jan 02, 2019 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation approaching retirement
Replies: 9
Views: 691

Re: Asset allocation approaching retirement

Working one more year. I have already “won the game” and feel very comfortable that my wife and I have more than enough to live comfortably and give to charity. I am now 50% stocks and 50% bonds. I feel comfortable in this AA in today’s extreme market volatility. I do not need to increase my assets...
by dwickenh
Wed Jan 02, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8300

Re: Your ideal home size

2 people, 1500 square ft, 3 bedroom and 2 bath.

Not what I have now, but I would like to downsize to a 1500 sq ft ranch as above.
by dwickenh
Wed Jan 02, 2019 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6148

Re: Delaying retirement just to help adult children

I think it is a mistake to continue working just in case your adult children need more of your money/help. If there is a real perceived need, that would be different. There will always be something that could keep you working longer, but is real hard to buy back years you wasted working for someone ...
by dwickenh
Mon Dec 31, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400107

Re: What are you up YTD? [Year To Date]

Age 73, retired, asset allocation 50/50 Total return is minus 4.34 year to date, per Morningstar Portfolio Manager. My first down year since I retired. The portfolio is still larger than the day I retired. Best fund is Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX), total return ...
by dwickenh
Mon Dec 31, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Risk Meter
Replies: 0
Views: 308

Vanguard Risk Meter

Interesting article concerning cash flows for the last 1-15 years. The last 1 month, 3 month, 6 month, and 1 year the leader is Money Market with the 64th best return out of 98 funds. It seems the herd is moving for the exits, or the interest rate increase is enticing. Interesting to see the unloved...
by dwickenh
Sun Dec 30, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Question after reading "The Bogleheads' guide to investing"
Replies: 11
Views: 1202

Re: Question after reading "The Bogleheads' guide to investing"

Welcome, That is a great book and I have read it several times. You have a point about basing the future on the last years but markets and profits go back much further that 250 years. While it is true that the future of mankind's thirst to improve his lot is not guaranteed, there is no great alterna...
by dwickenh
Sat Dec 29, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: How to Shop Around and Negotiate Car Repair?
Replies: 24
Views: 1128

Re: How to Shop Around and Negotiate Car Repair?

This is a great opportunity to shop for and find a reputable, perhaps small family style, independent auto repair shop with reasonable prices (keeps the price low and fair for you), is fair and honest, does the work in a timely manner, does excellent work, and cares about you and building a long te...
by dwickenh
Sat Dec 29, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Reporting a Car Accident to the Insurance Company
Replies: 6
Views: 605

Re: Reporting a Car Accident to the Insurance Company

I live in Maryland. Last night my neighbor's grand son (about 16) backed into my car causing between $1,000 and $2,000 damage (my estimate). My car was legally parked on the street in front of my house. The son and his father, who also live in Maryland, came to my door to tell what happened. We are...
by dwickenh
Fri Dec 28, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13610

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

Some in these forum are more papist than the Pope himself. Cheers. :greedy This is one reason I am 50/50. Whenever I get the urge to move one way or the other I just remember that half of my portfolio is already all the way in whatever direction I am tempted to go. Didn't the market itself adjust f...
by dwickenh
Fri Dec 28, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Buying dips not recommended?
Replies: 52
Views: 3768

Re: Buying dips not recommended?

Longdog wrote:
Fri Dec 28, 2018 8:00 am
dwickenh wrote:
Thu Dec 27, 2018 5:52 pm
adamthesmythe wrote:
Thu Dec 27, 2018 5:44 pm
Always buy just before the upturn.
and only buy the ones that are going up!
And sell the day it reaches its peak.
The 3 rules for getting rich :twisted:
by dwickenh
Fri Dec 28, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Bought VTSAX and VTIAX on 24th during trading hours but got the price of 26th
Replies: 9
Views: 1003

Re: Bought VTSAX and VTIAX on 24th during trading hours but got the price of 26th

so you ended up buying after a RGD(really good day) instead of RBD(really bad day). Long term it won't matter. But it feels good
to get lucky!!
by dwickenh
Thu Dec 27, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to use short-term loss to offset long term capital gains?
Replies: 6
Views: 459

Re: Possible to use short-term loss to offset long term capital gains?

earned income from a job, interest income, ST gains, tax deferred withdrawals(IRA,401K...) withdrawals are all taxed at the ordinary income rate.
by dwickenh
Thu Dec 27, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Buying dips not recommended?
Replies: 52
Views: 3768

Re: Buying dips not recommended?

adamthesmythe wrote:
Thu Dec 27, 2018 5:44 pm
Always buy just before the upturn.
and only buy the ones that are going up!
by dwickenh
Tue Dec 25, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: As of 12/26, should I be in cash?
Replies: 17
Views: 3598

Re: As of 12/26, should I be in cash?

IBD = Investors Business Daily? Beat the market with individual stocks? 22% down since August? At 64, my exact age also, I am 50% stock index funds and 50% bond index funds. I am down 5.07% for the year and am not considering going to cash. I am guessing you are "all in" on individual stocks and tak...
by dwickenh
Tue Dec 25, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6884

Re: What have your learned this year

Health > Money.
by dwickenh
Tue Dec 25, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Which fund to withdraw from?
Replies: 8
Views: 460

Re: Which fund to withdraw from?

My VTSAX (Vanguard Total US market) is not showing a 4.5% YTD gain. YTD shows down 11.13% on the website.
by dwickenh
Tue Dec 25, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else unable to login to Vanguard?
Replies: 19
Views: 1581

Re: Anyone else unable to login to Vanguard?

I decided not to look today :shock:
by dwickenh
Tue Dec 25, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Will Total US Bond Index fund have a positive return for 2018?
Replies: 13
Views: 2060

Re: Will Total US Bond Index fund have a positive return for 2018?

I didn't know that people were anguished by the performance of bonds this year. Strange... I seem to remember posts discussing shortening the duration from intermediate to short term to avoid the serious losses in Total bond. I actually kept some short term bond funds for income draw until the MM f...
by dwickenh
Mon Dec 24, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Equities % v. Total Assets at Risk
Replies: 29
Views: 2822

Re: Are you a true believer?

Dottie57 wrote:
Sun Dec 23, 2018 12:18 pm
I am a true believer but it is hard. At 50/50 it is still hard to see the dollar amount lost .
50/50 here also, and half the time I wish I had more in bonds. The other half, I wish I had more in stocks!!
It makes for a nice balance.

Best to you Dottie57,

Dan
by dwickenh
Mon Dec 24, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Begin loading the “Elephant Gun”?
Replies: 26
Views: 5132

Re: Begin loading the “Elephant Gun”?

In addition to the timing problems, you’ll have transaction costs. And it sounds like you are talking about selling your primary home to invest in stocks/bonds. So where will you live? No, just a 2nd home I would move to another home I have. It is a bit smaller, but closer to work. Long story why I...
by dwickenh
Mon Dec 24, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7246

Re: What was your best investment in 2018?

Health insurance premiums. My wife had cancer and needed two surgeries. Total out of pocket: $0 My best investment ever, though, is the $40.71 on dinner for our first date more than five years ago. Without that, I wouldn't be spending the rest of my life with her and our 1 year old baby. What a gre...
by dwickenh
Mon Dec 24, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Home Heating Advice
Replies: 72
Views: 5696

Re: Home Heating Advice

Perhaps rethink Geothermal (Ground source) heat pump. 30% tax credit https://www.energy.gov/savings/residential-renewable-energy-tax-credit System is supposed to last 2x as long as a traditional air source heat pump, and has a cop around 5. (27 seer.) The fields/well last over 50 yrs, it's just the...