Search found 545 matches

by 2pedals
Mon Sep 03, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5581

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

HEDGEFUNDIE wrote:
Mon Sep 03, 2018 2:10 pm
And the cloud transition is still in its early innings.
That is one cloudy market forecast. :twisted:
by 2pedals
Mon Sep 03, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1503

Re: F2 Tornado just slammed our area - Any way to recover expenses?

That must have been scary, glad you are okay.

I don't think this helps much but sometimes private property owners can move disaster-generated debris to the public right-of-way and the costs associated with removing this debris from the right-of-way may be eligible under a public assistance program.
by 2pedals
Mon Sep 03, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3941

Re: Gentlemen: underwear shopping question

I began buying these for travel about 8 years ago. Eventually I got to the point that they are what I wear at all times. The pockets are very handy for securing some extra cash, passport, backup credit card, room key card, etc while traveling. Plus they're a handy place for carrying your cell phone...
by 2pedals
Sun Sep 02, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18159

Re: How to Retire in Your 30's with $1 Million in the Bank

I don't like the term "retire in your 30's". Financially independent or even FIRE is a more fitting description. Although a person may retire at whatever age they please, someone "retired" in their 30s still has a good 25-30 years of active working years left and at some point that person may want t...
by 2pedals
Sun Sep 02, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3941

Re: Gentlemen: underwear shopping question

Thank you for your input

I think I am going to try out a few different brands, based on reviews on the previous thread and here. I am getting tired of the cheap cotton briefs made poorly in today's factories.
by 2pedals
Sun Sep 02, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29266

Re: Umbrella insurance..who has it? Is it recommended?

Yes it is worth it to have insurance for an unexpected lawsuit event.
by 2pedals
Sun Sep 02, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Crazy Rich Asian -> Movie
Replies: 16
Views: 2361

Re: Crazy Rich Asian -> Movie

I would rather watch Office Space reruns.
by 2pedals
Sun Sep 02, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3941

Gentlemen: underwear shopping question

I find my inexpensive cotton briefs when traveling on an airplane uncomfortable. Do you think something like the ExOfficio Give-N-Go would work better? Any recommendations?
by 2pedals
Sun Sep 02, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6419

Re: Lexus vs. Mercedes

Maybe some people enjoy driving (maybe you're retired) but I can't no matter what the car I'm driving. I put 35k to 40k miles per year on our cars. Almost every one on those miles sucks, because there are too many idiot drivers on the road playing with their phones during congested commute. So my w...
by 2pedals
Sat Sep 01, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5074

Re: $200 cash bonus offer from Citi

I have not chased these deals in the past since I am happy with my credit union but have been tempted.

More information on Doctor of Credit here
by 2pedals
Sat Sep 01, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1174

Re: Auto Renewals

It took two years to cancel my home phone service... Century Link refused to accept a written cancellation notice, and when I called in they would shuffle me to off shore lines to people who "didn't understand" and who refused to acknowledge the request to cancel. Then after a 15 minute waste of my...
by 2pedals
Sat Sep 01, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6419

Re: Lexus vs. Mercedes

My dealer drives to my house, leaves me a new Mercedes, takes mine for any maintenance and then returns it. My 2013 Tacoma I have to take to the garage, wait for it, and cost is very close to the same. I would never trust someone with this task, stories of "kid" employees joyriding customers nice a...
by 2pedals
Sat Sep 01, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 279
Views: 26673

Re: U.S. stocks continue to soar!

GoldStar wrote:
Thu Aug 30, 2018 2:30 pm
kagantx wrote:
Thu Aug 30, 2018 12:54 pm
Huzzah! Always good to have two threads for market timing instead of just one!
It's a rebalancing thread :)
It's an Irrational exuberance thread.
by 2pedals
Fri Aug 31, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7605

Re: I want to pry my friend away from Edward Jones

You are explaining the same situation I have been dealing with but not with Edward Jones. Once you go down this road it is a rocky road. Money and investing emotions are very strong. Tread lightly and provide as much Boglehead reading material your friend is willing to read. It also helps if you can...
by 2pedals
Fri Aug 31, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7037

Re: Fidelity Rewards Visa Card

I use it for most of my purchases. Sometimes I can get higher rewards with other catagory credit cards or initial signup credit card offers that require a minimum spend. I always pay the full amount every month. Overall it has been a solid credit card for me and DW. Service has been very good. Like ...
by 2pedals
Tue Aug 28, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to retire early. Is my math right?
Replies: 29
Views: 3703

Re: Wanting to retire early. Is my math right?

I would not count on your math being right, too early to extrapolate that far out for a retirement at 40. How do you know what kind of lifestyle you want to live when your are in your 50's, 60's, 70's and 80's?
by 2pedals
Tue Aug 28, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 279
Views: 26673

Re: U.S. stocks continue to soar!

This is like the yin and the yang of the boglehead topics -- U.S. stocks continue to soar and U.S. stocks in freefall. Didn't Jack Bogle say 50% of the time wish he had more stocks and 50% of time he wished had had more bonds? Maybe the Bogleheads forum has finally come to terms with that concept. 💡
by 2pedals
Mon Aug 27, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2703

Re: What to put in a care package for college student

Noise cancelling headphones and ear plugs.
by 2pedals
Mon Aug 27, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 130
Views: 13817

Re: Fidelity Full View transition to eMoney

I never was a big fan of full view. The new full view still does not show warts and all.
by 2pedals
Mon Aug 27, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 229
Views: 14290

Re: Larry Swedroe: Valuations Too High?

Yes, Mr Swedroe was kind enough to PM with some further explanations. On the subject of adjusting one's portfolio because of high valuations I just found this interesting article: https://www.wsj.com/articles/no-stocks-arent-cheap-but-dont-act-rashly-1534863601 Basically the point seems to be to ma...
by 2pedals
Sun Aug 26, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10393

Re: I own 1,387 items!

I own approximately 37.2 trillion cells.
by 2pedals
Sat Aug 25, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3505

Re: Any issue with not holding mid caps?

Evidence for systemic investor irrationally is just too hard to ignore, leading to factors that deliver outperformance. Nobody Knows Nothin' -1. If this was true why do we have a BH wiki? BH wiki is for guidance only not requirement .. i.e. your money your decision. Just because you feel good about...
by 2pedals
Sat Aug 25, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3505

Re: Any issue with not holding mid caps?

HEDGEFUNDIE wrote:
Sat Aug 25, 2018 8:17 pm
Evidence for systemic investor irrationally is just too hard to ignore, leading to factors that deliver outperformance.
Nobody Knows Nothin'
by 2pedals
Fri Aug 24, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9510

Re: Landlord Nightmare

Nightmare began when out of the blue the guy and the sis texted us (they called us but we didn't pick up) saying that it was "housing discrimination" and we were "harassing" and "insulting" them and asking "intrusive questions." They posted reviews saying the same thing on our FB page (which we ver...
by 2pedals
Thu Aug 23, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: How come people use Amazon Locker?
Replies: 15
Views: 1543

Re: How come people use Amazon Locker?

In general I don't like amazon delivery carriers. I suspect that some seedy delivery carriers are working together with the porch pirates. I had a prime delivery at 9:30 pm with no door ring or knock and 30min later a porch pirate swiped the package all on recorded on video. Porch pirates are a big ...
by 2pedals
Thu Aug 23, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5181

Re: Varying college costs across kids in the same family

My parents fully paid for my older brothers education at a top private university. When it came time for me to go to college I asked my father to pay for a well known private engineering school. He said if you want to do that you will have to pay for the difference between the state university and p...
by 2pedals
Tue Aug 07, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7318

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 Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70271

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: 13723

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: 7318

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: 309
Views: 43478

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: 2100

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: 2100

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: 5228

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: 1469

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: 5228

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: 9472

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: 9472

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: 9472

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: 9472

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: 5248

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: 4058

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: 17467

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: 1261

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: 2049

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: 2049

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: 2049

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: 2049

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.