Search found 23255 matches

by dbr
Thu Oct 19, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 26
Views: 1419

Re: Wife New Car Recommendations - SUV

harrington wrote:
Thu Oct 19, 2017 1:16 pm
The only cool SUV is a Jeep Wrangler....I'd wait for the new one.
Yes, my thought exactly.
by dbr
Thu Oct 19, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 26
Views: 1419

Re: Wife New Car Recommendations - SUV

If it is to be a jeep this model is one that starts to be cool and it isn't all that expensive: https://www.jeep.com/wrangler.html/
by dbr
Thu Oct 19, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2260
Views: 392918

Re: What's Your Credit Card Rewards Strategy?

Does the 5/24 rule apply to Chase Hyatt card? Wondering if anyone has gotten it at or over 5/24. I know it applies to the United card because I got denied. This site is pretty good at giving out good information. https://www.doctorofcredit.com/chase-524-rule-explained-detail-need-know/ Chase recent...
by dbr
Thu Oct 19, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Irish B&B Vouchers
Replies: 1
Views: 171

Re: Irish B&B Vouchers

Just returned from a 10 day trip to Ireland. Departed just before hurricane arrived. We no longer use travel agent provided vouchers because we think they are unnecessary, not cost efficient and too many B&Bs no longer take them. But I saw the exact same thing happen twice at different places we st...
by dbr
Thu Oct 19, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 21
Views: 1547

Re: How soon to cancel a credit card after signup bonus.

I think you are right regarding prorated annual fee but like you I’m not sure. If you can prorate, I wonder how that works with some of these cards with high up front bonuses that charge you annual fee first year? Can you cancel the card after getting your bonus to get Your prorated fee back? At AM...
by dbr
Thu Oct 19, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14318

Re: Dividends vs. Capital Gains for Spending Needs?

Also compare "Extended Market" with Total Stock and S&P 500 Idx--I believe in proper proportions owning Extended Market along with S&P 500 simulates Total -you could even overweight "Extended Market" It looks like you are using "Compare Funds" on Vanguard's web site for the after tax returns vs. pr...
by dbr
Thu Oct 19, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 21
Views: 1547

Re: How soon to cancel a credit card after signup bonus.

Banks are getting more and more restrictive about churning cards and cancelling cards soon after getting the bonus. The warnings from AMEX about this mentioned above should probably be taken seriously. Also, AMEX no longer pro-rates the fee.
by dbr
Thu Oct 19, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 26
Views: 1419

Re: Wife New Car Recommendations - SUV

I would not say any SUV is going to make your wife or anyone else look "cool." The SUV is to today's automotive market what the minivan was a few years ago and the station wagon before that. Perhaps an alternative would be something like this: http://www.lotuscars.com/elise-sport but to do this at a...
by dbr
Thu Oct 19, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with Farm Land
Replies: 9
Views: 535

Re: Asset Allocation with Farm Land

I suspect it is a rare financial advisor who has any insight at all as to how a major land or real estate owner might invest as well in stocks and bonds. If anyone has experience with such a thing it would be good to hear it. Here is one article that discusses how MPT might incorporate real estate. ...
by dbr
Thu Oct 19, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with Farm Land
Replies: 9
Views: 535

Re: Asset Allocation with Farm Land

It is a research problem to see how individual investors like most of us should configure a portfolio to include assets such a real estate, land, even gold in a portfolio. The one point of agreement is that alternative assets are certainly not stocks or bonds and should not be treated as if they wer...
by dbr
Thu Oct 19, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Need investment advice since wife became stay-at-home mom
Replies: 9
Views: 919

Re: Need investment advice since wife became stay-at-home mom

When your kids are ready for college your wife can be back at work and her salary pay the college expenses.
by dbr
Thu Oct 19, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1703

Re: Data Use on Smartphones

As far as data plans, we have three users and four devices on the same plan. As a result the best deal for us is unlimited data. As for Wifi, yesterday I needed to use my iPAD for some internet work and the local network was so slow I just went to cellular without having to worry about my data use o...
by dbr
Thu Oct 19, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: Thoughts on BONDS and REITS?
Replies: 13
Views: 1101

Re: Thoughts on BONDS and REITS?

My thoughts are that bonds and stocks are assets that you own in combination to get the risk and return trade-off you want in your portfolio. I have no interest in REITS, factor investing, or other approaches to diversification beyond holding total market portfolios, more or less. I think a person s...
by dbr
Thu Oct 19, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Relatively safe fund for taxable acct.
Replies: 5
Views: 688

Re: Relatively safe fund for taxable acct.

It is also true that selling Amazon and investing the money all in VTSAX would reduce the risk. That may not be possible if there is a tax cost. Otherwise I bonds and/or munis would be plausible. I'm also not sure that mentally framing accounts for one use or another is really that productive, espec...
by dbr
Thu Oct 19, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: low risk, low fee fund for older investor?
Replies: 6
Views: 473

Re: low risk, low fee fund for older investor?

I'm 61yo, looking at retiring in 2 years. I've been socking $$ away in my 401K. That's pretty much my total savings strategy. Post tax savings are nil and I'm thinking I should develop a cash buffer, maybe invest in some low fee index funds. Any advice? ... or just stay put and sock away at the 401...
by dbr
Wed Oct 18, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?
Replies: 7
Views: 880

Re: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?

You won't get any real estate advice on this forum, except that real estate is risky, doesn't count in your portfolio, you should pay off your mortgage, and you should sell your land, properties, and commercial real estate. All of which is bad and misguided advice and not from any experience as an ...
by dbr
Wed Oct 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 23
Views: 1289

Re: Best smartphone

I wonder how long it is going to take to name about every phone available on the market as the recommended phone.

I'll name iPhone 6 because I have one and have not yet been moved to buy something else.
by dbr
Wed Oct 18, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 22
Views: 1164

Re: Brick Chimney Issues

If your structural engineer didn't like it wouldn't it make sense to remove it and just install the proper flue pipe for your furnace and fireplace? I have a real chimney as others have referred to and have in the past had a masonry contractor rebuild the upper part and replace flue tiles that had d...
by dbr
Wed Oct 18, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: gas furnace
Replies: 6
Views: 332

Re: gas furnace

Mine is in the basement where at one time there was a coal burning furnace. What was the coal storage is now a storeroom. It just seems natural, but this installation of the OP is more likely in a warmer climate without a basement. I agree from having been in houses of that sort that furnaces that d...
by dbr
Wed Oct 18, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3003

Re: Buying 2017 Honda CR-V

BTW, I did notice that the passenger seat in my 17 CRV Touring seems less comfortable than the driver's seat but haven't thoroughly investigated. Reason is that the passenger seat has only 4-way adjustments: forward and back, and seatback angle. The driver's seat can also be adjusted for height, le...
by dbr
Wed Oct 18, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Pension Choice at Megacorp
Replies: 4
Views: 565

Re: Advice on Pension Choice at Megacorp

Pending something we don't know about the cash plan I think I would participate in the cash plan and adjust my other assets to take the overall risk and return consistent with my objectives. This assumes, for example, that if you leave the company that cash can be rolled over to an IRA (or you might...
by dbr
Wed Oct 18, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1158

Re: Mechanics of rebalancing a four fund portfolio

Iv'e rebalanced my funds in the past but it seemed more complicated (too many steps and too much time) than it should be. Maybe I'm looking at it wrong. OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some ...
by dbr
Wed Oct 18, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: couple of questions regarding inflation and the 4% rule
Replies: 19
Views: 1894

Re: couple of questions regarding inflation and the 4% rule

If I actually follow that, I'll use the same as SS uses, because that is easy. I'll probably get stuck going over 4% because RMDs will force me into it sometime in my mid to upper 70's. I have a substantial ROTH, but the bulk of retirement money will be tax deferred. RMDs can't be converted to ROTH...
by dbr
Wed Oct 18, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2003

Re: Calculating max electrical load of your home

I hope people who didn't know are fully aware that the current drawn is a function of what it is that is plugged in and not a function of what the service "feeds." That remains true up to the point where a breaker trips or the wiring melts and parts or some switch or socket burns out. That is why wh...
by dbr
Tue Oct 17, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: couple of questions regarding inflation and the 4% rule
Replies: 19
Views: 1894

Re: couple of questions regarding inflation and the 4% rule

Planning programs that try to make estimates of retirement outcomes can take various approaches to this problem. I think there is a lot to say for the historical data approaches such as FireCalc or Otar's program where actual historical inflation is used. Others might argue that inflation as in the ...
by dbr
Tue Oct 17, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 81
Views: 8363

Re: Converting to Safety Razors

"Look sharp, feel sharp, be sharp! How are you fixed for blades? -- Gillette Blue Blades, I mean."
by dbr
Tue Oct 17, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 2781

Re: Why would anyone buy long term bonds?

One problem with this thread is that it tends to be focused on a particular asset class. This focus is not the path to the best AA. Almost all the threads on bonds in this Forum are hung up on bonds in isolation. As a result most of the discussion is beside the point. There are some reasonable exce...
by dbr
Tue Oct 17, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2504

Re: Roofer stopped showing up - what are my options?

Maybe I missed something in the posts, but: 1. No expert, but being a good "handyman" and being good at replacing a roof might be very different. 2. It seems to me that thr 50% upfront could be justified by the need for the roofing supplies. Are any of those on your property? 3. What does your insu...
by dbr
Tue Oct 17, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2003

Re: Calculating max electrical load of your home

Thank you everyone for all the replies. (especially calijim) Again, that's the theory. But I don't know what I don't know. I was wondering if anyone really knows if it possible to draw 240v at half the amperage to draw the same amount of power for one's applications. Sure. Physics says that half th...
by dbr
Tue Oct 17, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice on asset allocation, or is Vanguard crazy
Replies: 26
Views: 2474

Re: seeking advice on asset allocation, or is Vanguard crazy

Both age in bonds and some recommendation from Vanguard without more thought on your part as to what you are doing is equally useless. I take your post to be exercise of thought on your part. I recommend reading Larry Swedroe for the the concept of need/ability/willingness to take risk. The need par...
by dbr
Tue Oct 17, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 2781

Re: Why would anyone buy long term bonds?

Interesting...I was just arguing against LT Treasuries on another thread but decided to do a backtest. The good thing about them is that they are the least correlative asset to stocks. Some consider high return/low correlation to be the "holy grail" of investing. Backtesting stocks, total bond, and...
by dbr
Tue Oct 17, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?
Replies: 7
Views: 880

Re: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?

I don't think Bogleheads have a real estate investing approach per se. There are posters on this forum who own real estate to varying degrees and in various forms. In general the forum itself is "about" mutual fund investing in Vanguard funds so there wouldn't be a particular point of view about oth...
by dbr
Tue Oct 17, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Allocation for the "Risk" part of your portfolio
Replies: 6
Views: 563

Re: Allocation for the "Risk" part of your portfolio

Thank you it was meant to be more of a philosophical question. I'm at 60:40 overall (OK with that) but if I "take away" the bond portion that I set aside specifically for 15-20 years of expenses that leaves me with a 90:10 (Total Stock Index:Total Bond Index)for the rest of the portfolio. Just kind...
by dbr
Tue Oct 17, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: SCHWAB PCRA - Investment help
Replies: 3
Views: 282

Re: SCHWAB PCRA - Investment help

You put your money into whatever your overall financial plan suggests. In my case, for example, my Schwab PCRA holds bond funds because I hold my bonds in tax preferred accounts (401K) and stocks in taxable accounts. The exact proportions depend on your asset allocation and on how your assets divide...
by dbr
Tue Oct 17, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1556

Re: Does bond length matter for investing in bond funds?

Look at the chart for long term bond funds. They are very risky, just as risky as stocks. Personally, I prefer to keep things simple and put what I am comfortable putting at risk in stocks, and then putting what I want to have stable in intermediate term bonds. That is an exaggeration. Long bonds a...
by dbr
Tue Oct 17, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14318

Re: Dividends vs. Capital Gains for Spending Needs?

I have started reading the paper. So far there are two examples on which I might comment. 1. The paper clearly states that the dividend investors illustrated by the Con-Ed story are idiots. People can make of that what they want. 2. Discussing "representativeness" people queried make a wrong choice ...
by dbr
Tue Oct 17, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 848

Re: Help w/ parents investments

Fair enough, all good points. I don't necessarily want to manage their investments, other than for their own sake. I'd prefer they do it themselves, for the reasons that you bring up, but I'm not sure how much interest they have in doing it (that's why they were paying the high management fees in t...
by dbr
Tue Oct 17, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 848

Re: Help w/ parents investments

It is absolutely correct that if there is a risk here to be managed by reducing stock allocation, then that should be done now. I differ somewhat on the risk, however. At a 3% withdrawal rate, if that should come to pass, the risk to continued retirement income is not much more or even any more for...
by dbr
Tue Oct 17, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1556

Re: Does bond length matter for investing in bond funds?

The length of the bond should be related to when you will need the money. If you don't need to withdraw money for 30 years from a fund with an average duration of 10 years, you should be okay. You are taking a risk however, if you plan to withdraw money in 10 years from a fund with an average durat...
by dbr
Tue Oct 17, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 848

Re: Help w/ parents investments

Because they aren't relying on the retirement accounts at all, their rationale was to put it all in stocks as a way to maximize long term growth for their estate. My Dad did say that if his business income was suddenly zero and had to start withdrawing from the retirement accounts, he would change ...
by dbr
Tue Oct 17, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1556

Re: Does bond length matter for investing in bond funds?

I'm currently comparing these two: ITE (SPDR Bloomberg Barclays Intermediate Term Treasury ETF) SPTL (SPDR Portfolio Long Term Treasury ETF) The Intermediate Term fund has depressingly low returns. It's almost like I'm investing in nothing or leaving it in a savings bank. While the Long Term fund h...
by dbr
Tue Oct 17, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 848

Re: Help w/ parents investments

Maybe try to talk him into putting half of the stock investments in CDs? What kind of stocks does he have? If they're conservative stocks that won't disappear in a bear market, what's the worry? It sounds like he's got some revenue stream with real estate and a pension and medical care to boot. May...
by dbr
Mon Oct 16, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1166

Re: Employer Listens To Brokerage Calls?

I can't imagine an employer who has time to fritter away tracking down recordings at a broker, especially not for something as trivial as trying to guess that someone might be thinking about retiring. If there were some suspected criminal act, such as insider trading, that would be different.
by dbr
Mon Oct 16, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: My investments
Replies: 3
Views: 435

Re: My investments

I just transferred all from Merrill Lynch to Merrill Edge and my adviser had me in CPXIX cohen & steers preferred sec & income ratio .88% also FTRBX federated total return bond fund cl is ratio .47% also LFRFX lord abbett floating rate fund cl f ratio .70%, i want a simple portfolio or should i kee...
by dbr
Mon Oct 16, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1859

Re: Bonds v. bond funds

My understanding is that another concern with bond funds is that the yield is not guaranteed. That's aside from the risk of the value of the fund itself dropping, and so it's particularly a concern if you are using the bond fund yield to live on. My understanding is that if you buy a bond yielding ...
by dbr
Mon Oct 16, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12793

Re: Annuities-when and why?

I have a pension, my wife's SSA, and some day my SSA. That's enough annuities for me. I think I can get a better return through investing than with annuities. Yes, it is enough annuitization in many cases, but getting better return through investing is easy because annuities (SPIA) don't have retur...
by dbr
Mon Oct 16, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12793

Re: Annuities-when and why?

If my portfolio's return can easily keep up with the short fall of this known income stream, why would I want an annuity? I still don't understand any risk that I have of needing a 7% withdrawal rate. I really anticipate my portfolio growing during my transition period from work to death. You shoul...
by dbr
Mon Oct 16, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2003

Re: Calculating max electrical load of your home

The National Electrical Code lays out the methodology for this calculation. There is software available online to help with this. I recommend consulting an electrician for help. In any case actually installing any new equipment will need to be done by a licensed electrician with building permits and...
by dbr
Mon Oct 16, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3003

Re: Buying 2017 Honda CR-V

radiowave, from my review of Truecar.com prices in our area, the EX is not even $3,000 more than the very basic LX. We have always bought EX Hondas because we do not need too many extras, but I gotta believe the extras you get with the EX are a huge improvement over the LX. Go ahead and plurge a li...
by dbr
Sun Oct 15, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2268

Re: Dental implants in Poland

I can't imagine getting dental implants from dentists I did not already know (or recommended and referred by the ones I know) and without easy recourse to follow up for whatever issues might develop now or much later.