Search found 208 matches

by dandinsac
Sat Aug 20, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Home energy efficiency
Replies: 7
Views: 1184

Re: Home energy efficiency

Home Performance with Energy Star is a nationally recognized program for home energy audits. BPI certification requires that the auditor pass a test demonstrating knowledge in the field. Typically, these programs are required to be funded by the utility as a way to offset load growth and avoid build...
by dandinsac
Fri Aug 19, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 88
Views: 21630

Re: Instant oatmeal vs "regular" oatmeal

My grandfather told me that he thought the reason he and his siblings lived so long was that he grew up eating cold oatmeal. Not sure about the validity of this, but he did live until he was 93. And many of his brothers/sisters lived into their nineties as well. Having ancestors living that long mak...
by dandinsac
Thu Aug 11, 2016 11:58 pm
Forum: Personal Consumer Issues
Topic: High Annual Mileage Bogleheads?
Replies: 20
Views: 3258

Re: High Annual Mileage Bogleheads?

You seem like a good candidate for a hybrid. In 2010, I had a 50 mile (one-way) commute when I was living in Maine. I bought a Ford Fusion Hybrid and averaged 36 MPG. It worked very well and did very well in the winter with snow tires. I switched jobs so my mileage dropped way back. Now, I have abou...
by dandinsac
Tue Aug 09, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Will realtor advise on needed improvements for home sale?
Replies: 38
Views: 3310

Re: Will realtor advise on needed improvements for home sale?

My wife and I are going through a similar situation with her MIL. She is moving into an independent living apartment and selling the house. But it's outdated, has original (25+ year) carpets and kitchen. Everything works, but it's clearly not move in ready. My wife had three realtors come in and sim...
by dandinsac
Sun Aug 07, 2016 12:24 pm
Forum: Personal Investments
Topic: some help w pre-retirement portfolio-thanks!
Replies: 6
Views: 976

Re: some help w pre-retirement portfolio-thanks!

I'd recommend the books, Retirement Portfolios, by Zwecher and Rational Expectations by Bernstein. These books, among others, helped me think through how I wanted to structure my investments going forward. Both have a common theme... make sure that the basic living expenses are covered by riskless a...
by dandinsac
Sun Aug 07, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How should I pay for garage renovation?
Replies: 10
Views: 1301

Re: How should I pay for garage renovation?

I'm in a similar situation with almost all of my assets in tax-advantaged accounts. We're going to do a kitchen remodel and we've saved enough to pay this with cash outside of our emergency fund. I decided though, to set up a HELOC so that I had the flexibility. The interest rate is low if I need it...
by dandinsac
Fri Aug 05, 2016 12:26 am
Forum: Personal Investments
Topic: Understanding how generous ESOP contributions factor in
Replies: 2
Views: 598

Re: Understanding how generous ESOP contributions factor in

At a minimum, I would treat the ESOP as a portion of your stock portfolio. Assuming that you want to keep the same 90%/10% stock/bond asset allocation that is in the Vanguard 2050 fund, you'll want to buy 10% bonds or bond fund to match the value of the ESOP asset.
by dandinsac
Sat Jul 30, 2016 9:39 am
Forum: Personal Investments
Topic: How would you take annuity payments?
Replies: 9
Views: 1532

Re: How would you take annuity payments?

Financially, the $1000/month is more valuable since it includes mortality credits. (Some annuity buyers won't live as long, so the company can pay higher lifetime payments.) The five-year payout drops those credits and essentially pays back the $265K to you. For comparison, with a brokerage account,...