Search found 540 matches

by 2pedals
Wed Jul 05, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 2215

Re: Stable Value Questions

I assume that OP doesn't have to keep his entire balance in his 401k, but can pull some to add to a rollover IRA. If there's an attractive option in one's 401k that isn't present in one's IRAs, that seems a perfectly good reason to keep a least a portion in the 401k. I do not have to keep everythin...
by 2pedals
Tue Jul 04, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds (BND)
Replies: 27
Views: 4234

Re: Bond Funds (BND)

Yes, I believe that is reasonable. Chasing slightly higher yields with longer maturities in this environment could backfire in a rising interest rate environment and bonds are for stability in your portfolio. On the other hand, you may get slightly lower yield in the long run if you stay with this a...
by 2pedals
Tue Jul 04, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 22099

Re: Paul Merriman: The One Fund Every Investor Should Own

My belief, this question to SCV tilt or not to SCV tilt will go on for a very long time. Once the argument becomes pervasive that everybody must have SCV tilt the genie has been already let out of the bottle. After that happens it might take a while to get the genie back in the bottle. Again, that'...
by 2pedals
Tue Jul 04, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 22099

Re: Paul Merriman: The One Fund Every Investor Should Own

My belief, this question to SCV tilt or not to SCV tilt will go on for a very long time. Once the argument becomes pervasive that everybody must have SCV tilt the genie has been already let out of the bottle. After that happens it might take a while to get the genie back in the bottle.
by 2pedals
Tue Jul 04, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 22099

Re: Paul Merriman: The One Fund Every Investor Should Own

There is no such thing as a one fund for every investor and certainly not a small cap fund, that is just crazy.
by 2pedals
Mon Jul 03, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 2215

Re: Stable Value Questions

Thanks you for your replies Sounds like this is an "ho-hum yawn" thread for many, no one really thinks it is all that important to stay with the 401k SV. If that is the case I believe I would be better served by rolling it over into a TIRA or Roth with the rest of my accounts and use bond funds or C...
by 2pedals
Sun Jul 02, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 631
Views: 73367

Re: Picking College and College Scholarships

Have you considered Iowa State University? It has an excellent reputation for a fine engineering school where I work and not too far from your home. The problem I have with all the big name schools like MIT, Stanford, etc they tend to be great schools for graduate students but not so much for underg...
by 2pedals
Sun Jul 02, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 2215

Stable Value Questions

I am looking at the options in my 401k has a stable value fund and a bond market index fund Stable Value Fund's daily compounded effective annual rate for the 3rd Quarter of 2017 is 2.31% Bond market index fund returns (0.05% ER) 12 mo = -0.37%, 3 year = 2.47% 5 year = 2.18% Stable value (0.30% ER) ...
by 2pedals
Sun Jul 02, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 6573

Re: Beginner needs sanity check moving a lot of cash to market.

Do you have other resources to help navigate the various fund choices? For example, I always see a lot of talk about the Vanguard Total US Stock, Total International Stock, and Total Bond, but then I see people talking about lots of other Vanguard funds. If the first three are so good why doesn't e...
by 2pedals
Sat Jul 01, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: When to start taking Social Security for 64 year old
Replies: 26
Views: 2768

Re: When to start taking Social Security for 64 year old

My Suggestion Convert tax deferred to Roth over the next few years, spread out the conversions, say over the next 5 years. Wait to 70 to start SS payment for COLA and longevity insurance. If either one has the longevity gene, this approach should work out for the best. They most likely will experien...
by 2pedals
Sat Jul 01, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 6573

Re: Beginner needs sanity check moving a lot of cash to market.

Payoff your cars and maximize 401k & SEP. 3 fund portfolio looks good to me. I don't think you would even need much for an emergency fund with no kids and the large income sources that you have (maybe 6mo. expenses). If it makes you feel better about minimizing your mortgage debt and there is no pre...
by 2pedals
Sat Jul 01, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: When to start taking Social Security for 64 year old
Replies: 26
Views: 2768

Re: When to start taking Social Security for 64 year old

I would recommend taking a look different scenarios with I-ORP http://www.i-orp.com. It should give you some ideas what scenarios would work best for them based on what their expenses are. It will also optimize ROTH conversions with the different scenarios.
by 2pedals
Sat Jul 01, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 19765

Re: Bogleheads: you should be buying 10-year old cars

Interesting but I think there are many more variables that could change the end result. I noticed the assumption is based on a $32,000 new car driving 12,000 miles/year with financing. Also I did not see any sales taxes in the study. In states like Washington sales taxes are high ~10%. I like the id...
by 2pedals
Sat Jul 01, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2837

Re: Social Security

This author has updated his book with the latest changes: Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less by Mike Piper Also look for links to his contributions to Boglehead's threads on the subject. Thanks BL looks like an...
by 2pedals
Sat Jul 01, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2837

Re: Social Security

I don't like simple articles like the link I included above. SS is very complicated and many people do not understand what they are exactly doing when they take SS before FRA or age 70. For many couples if they have significant savings and/or a pension that extra payment will payoff if you wait lat...
by 2pedals
Fri Jun 30, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 26
Views: 3463

Re: BH thoughts on money gurus

I think you would be better served by following advise from the bogleheads. Boglehead Philosophy You can listen to these so called "money gurus" but I would take their words and recommendations "with a grain of salt". Much of their talk is general and may not apply to your unique situation and could...
by 2pedals
Fri Jun 30, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2837

Re: Social Security

I don't like simple articles like the link I included above. SS is very complicated and many people do not understand what they are exactly doing when they take SS before FRA or age 70. For many couples if they have significant savings and/or a pension that extra payment will payoff if you wait late...
by 2pedals
Fri Jun 30, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2837

Social Security

The article suggests that "waiting" for SS at 67 could be a terrible idea.

https://www.fool.com/retirement/2017/06 ... at-67.aspx

Interesting that in the article it does not mention delaying to 70 could be even be a better idea for some.
by 2pedals
Fri Jun 30, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Wrecked Vehicles and Whether or Not to Keep Them
Replies: 34
Views: 3289

Re: Wrecked Vehicles and Whether or Not to Keep Them

About a month ago I was rear ended. It was a big ordeal because the girl that hit me didn't have insurance and was driving someone else's car. They were able to track down the owner and they took responsibility (whew). I have taken the car back to the body shop twice to have more repairs done and o...
by 2pedals
Fri Jun 30, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Wrecked Vehicles and Whether or Not to Keep Them
Replies: 34
Views: 3289

Re: Wrecked Vehicles and Whether or Not to Keep Them

djpeteski wrote:I feel like you have a company like State Farm or some similarly horrible insurance company.

Find a quality one.
:confused

I disagree that State Farm is a horrible insurance company.
by 2pedals
Wed Jun 28, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 5961

Re: Does Jack Bogle have a conflict of interest?

I found these comments by Merriman very candid and I have not really heard someone on the 'index" team actually imply that Bogle may not truly believe in the Total Market Index, but not speak his true feelings because of these issues mentioned. Pretty bold assertion. No conflict at all. Bogle does ...
by 2pedals
Mon Jun 26, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 12634

Re: Where to find a financially like-minded significant other?

I don't think a dating group would help. I have been involved with AAII (Am Assn of Individual Investors) chapters for 25+ years. North Jersey Chapter for 15 years and now Coastal Carolina Chapter for 12 years. I could count the number of people under 40 on one hand, under 50 on 2 hands. The Coasta...
by 2pedals
Sun Jun 25, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: December on Oahu - Northshore or Waikiki?
Replies: 6
Views: 1228

Re: December on Oahu - Northshore or Waikiki?

If you like the conveniences of shopping, spas, tours, restaurants, sailboat rides, snorkeling trips and fishing trips, Waikiki has it all. No need for a rental car in Waikiki. When in Waikiki if I want to travel someplace on the Island I rent a car for the day (saves me some money). Also there are ...
by 2pedals
Sat Jun 24, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 6663

Re: 58 years old and laid off seeking advices

I am 58 years old and DW is 53. I am mentally tired of my ex-position and not allowed to talk about the situation as part of the deal to get the severance pay. But if after 26 weeks you started to talk negatively about the situation? What would they do to you then? :twisted: You have won the game, ...
by 2pedals
Sat Jun 24, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 57
Views: 19383

Re: Contractor took deposit but never did any work. What next?

It depends heavily on your state. Here in Oregon they lean heavily toward the contractor. I read about a case where a contractor build a retaining wall on the wrong lot and the contractor licensing board said the owner of the lot had to pay for it because it increased the value of his lot. In this ...
by 2pedals
Sat Jun 24, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my 92 yo grandfather
Replies: 11
Views: 1215

Re: Help me help my 92 yo grandfather

1. First and foremost, should I even get involved with this since this will be affecting my dad and his siblings at some point? Probably not. What would his siblings do if the assets lost say 50%? Would they hold it against you and your family? Sometimes things can get quite nasty. But on the other...
by 2pedals
Sat Jun 24, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 3251

Re: Cars my only weakness, make me feel bad!!

If you wait another, 2 years, there will be self driving cars for the high-end masses. Wait 4 years there will a self driving car for the middle-income masses. The auto you buy today will be worthless in 2 years when self-driving cars hit the market. Feel better now? YMMV :( :P :twisted: :annoyed W...
by 2pedals
Fri Jun 23, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax free growth vs FIRE
Replies: 2
Views: 722

Re: Tax free growth vs FIRE

I don't know if this link helps from Charles Schwab http://www.schwab.com/public/schwab/investing/retirement_and_planning/understanding_iras/roth_ira/withdrawal_rules You have a few options for tax and penalty free withdrawals. The big one is you can withdraw contributions you made to your Roth IRA ...
by 2pedals
Thu Jun 22, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

I think it is possible that a tenant in common could take out a mortgage on their share. The loan would have to be settled after a sale. A keeper would be reluctant to sell in this scenario, could this be why the keepers don't want to sell?
by 2pedals
Wed Jun 21, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 9506

Re: Should I buy an $800k house?

I have lived in Puget Sound area for about 30 years. I love the area, great place to live but traffic is getting very bad. Real estate in becoming waaaay over heated in zones known as "location .. location ... location" to realtors. Seattle is known for boom and bust. I would be very careful about s...
by 2pedals
Tue Jun 20, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

I suspect this mom would be disappointed that her children seem to be putting financial interest in money they did not earn ahead of the well being of their siblings. Maybe mom should have left a little money for insurance and upkeep too if she wanted the house to bring siblings together. Why? Mine...
by 2pedals
Mon Jun 19, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

mediations are good things and i highly support them. if you have a good mediator, miracles can happen. trials are rare, settlements are the norm. The OP and family should hope that mediation works out, otherwise an court ordered distressed sale along with Attorney and court fees could wipe out muc...
by 2pedals
Mon Jun 19, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Global Stocks - Legacy of the Great Recession?
Replies: 21
Views: 3236

Re: Global Stocks - Legacy of the Great Recession?

nisiprius wrote:....I think it's pure noise. People are seeing animal shapes in clouds and faces in rocks. ....
what about all of the weirdness in NASA photos?
nisiprius wrote:.... two random number generators....
You could have fooled me, that looked like the performance of two different indices.
by 2pedals
Mon Jun 19, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 4779

Re: Cancelled Cable TV Service Today... [Downsized cable service

....dismay and shock that someone can actually survive without cable tv service.... :oops: Our family never paid for cable TV or satellite TV directly and I am 57 years old. Years ago I had free cable TV in the apartment that I rented for $290/mo. I already watch tooooo much content from Netflix, A...
by 2pedals
Sun Jun 18, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 2978

Re: Change Auto & Umbrella Insurance after 52 years?

Gill wrote:My question is simply, would I be foolish to give up all that longevity with Amica for a $700 annual savings or is that long history of essentially no value in my future dealings with the company?
Gill
I would use as leverage to get a lower rate with Amica, if you still want to use them.
by 2pedals
Sun Jun 18, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Global Stocks - Legacy of the Great Recession?
Replies: 21
Views: 3236

Re: Global Stocks - Legacy of the Great Recession?

With this in mind, the time may be near when international stocks, in both developed and emerging markets, begin to resume their pre-crisis earnings growth rates. Thoughts? I don't like to try to predict these things because anything can happen and I have often been wrong in the past. Having said t...
by 2pedals
Sun Jun 18, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 2300

Re: New Box Spring?

All of these replies have been most entertaining. However, the question remains: Is it necessary to replace the box spring when the mattress is replaced? I think in order to determine that one would have to inspect the box spring. Is the platform appropriate for your new mattress? Does the box spri...
by 2pedals
Sun Jun 18, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 2300

Re: New Box Spring?

livesoft wrote:Warren Buffett is my F.A.:
https://www.youtube.com/watch?v=GF5LKpLPGrQ

or more recently:

https://www.youtube.com/watch?v=6XFwlNVRD5M
Thanks Livesoft you made my day :D
by 2pedals
Sun Jun 18, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 18592

Re: Anyone else gotten totally bored with investing?

To those who replied you have reduced the number of positions in your portfolio to a few index fund holdings, reduced the number of investment accounts, reduced the desire to look at your account value, reduced your number of rebalancings, and have become board with investing, CONGRATULATIONS! You ...
by 2pedals
Sun Jun 18, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

General question to the knowledgeable posters who have commented: What (besides deep sympathy to OP) is the take-away from this for others? Can you write something in your Will stating that the heirs have a certain period of time (six months, 11 months, whatever) to sell the real property, whether ...
by 2pedals
Sun Jun 18, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Why do we need an emergency fund?
Replies: 70
Views: 6987

Re: Why do we need an emergency fund?

Many times during a recession or even a greater recession your stocks will drop significantly along with a job loss, or other expensive malady. You may not be able to provide for yourself and your family in the short term and/or might be force to selling your stock in an inopportune time frame. A si...
by 2pedals
Sun Jun 18, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

So much good advice given. Here is my rough plan. 1. First thing I need to do is speak to other siblings and buy home owner's insurance. Please excuse my ignorance, but if there is an accident at the house can the person injured go after my personal assets? yes, someone can sue you and your sibling...
by 2pedals
Sun Jun 18, 2017 7:40 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 8439

Re: Best Financial Advice from Dad (in honor of father's day)

I remember one day as young boy he called the telephone company from a pay phone to report a telephone line that was down. He used a quarter reported the down line to the telephone company after a storm. He asked the operator for the quarter back. When the operator said she could not do that. He ask...
by 2pedals
Sat Jun 17, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

How about gifting your shares? You and your siblings that don't want it can gift shares to the others that want it. I don't see why you would fight over approx. 50k. Stunned by this response. 50k is material to an individual. Why you are so stunned? Because you can't see a reason to fight over 50k....
by 2pedals
Sat Jun 17, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

How about gifting your shares? You and your siblings that don't want it can gift shares to the others that want it. I don't see why you would fight over approx. 50k. Stunned by this response. 50k is material to an individual. Why you are so stunned? Just an suggestion to keep family harmony. If it ...
by 2pedals
Sat Jun 17, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

How about gifting your shares? You and your siblings that don't want it can gift shares to the others that want it. I don't see why you would fight over approx. 50k. Really? That is 2 years of college for one of my kids. Yep, that's just crazy talk. Not many of us that would give away $50K just to ...
by 2pedals
Fri Jun 16, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

Background info: 1. Mom passed away 5 years ago. 2. Mom's house was transferred to all 5 sons/ daughters during probate (father passed away 10 years ago). 3. 5 years later some of us want to sell house while others want to keep house. 4. The siblings who want to keep house do not have the financial...
by 2pedals
Fri Jun 16, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 27172

Re: Siblings in disagreement over mom's house.

How about gifting your shares? You and your siblings that don't want it can gift shares to the others that want it. I don't see why you would fight over approx. 50k.
by 2pedals
Tue Jun 13, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 8231

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

Another thing to consider when you see people making these sort of predictions is, what specifically are they advocating you do? .... This guy wants you to buy his newsletter and books. Yes, but Larry Swedroe, Rick Ferri, Bill Bernstein, Jim Dahle, Mike Piper, etc. also want you to buy their books,...
by 2pedals
Tue Jun 13, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 8231

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

saltycaper wrote:Another thing to consider when you see people making these sort of predictions is, what specifically are they advocating you do? ....
This guy wants you to buy his newsletter and books.