Search found 579 matches

by MJS
Sat Mar 07, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7376

Re: Retirement in AZ-suggestions please

In addition, Arizona is known as the rattle snake capital of the USA. Be ready for a rattle snake greeting you near your front door, in your yards, on your neighborhood streets and on the hiking trails. Just be careful so that you don’t inadvertently step on one. It's also well documented that Gila...
by MJS
Sat Feb 29, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139508

Re: Coronavirus (Consumer Issues) How you are preparing?

OK, done shopping. Aldi's was packed. I think we can go a couple months without going to a store much. Prescriptions also good for a few months. Will the massive stock-up slow down shopping over the next few months? Did Y2K prep have a notable effect on retail sales in early 2000? Or does pre-hurri...
by MJS
Tue Feb 25, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2777995

Re: U.S. stocks in free fall

at least we broke through on the downside the rising wedge (bearish) that was forming since jan 2019. Don't forget the southern cross and the triangle of doom, we are nearing both. :beer The good news is that the astrologers are happy-happy with all the lovely doomful news, as reported in Yahoo Fin...
by MJS
Tue Feb 25, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2777995

Re: U.S. stocks in free fall

peppers wrote: Tue Feb 25, 2020 2:40 pm If nothing else.....

It's Mardi Gras. Happy Fat Tuesday.
2018: the Christmas Crash
2020: the Mardi Gras Smash?
by MJS
Tue Feb 25, 2020 2:16 pm
Forum: Personal Investments
Topic: Find a list of the best performing index funds
Replies: 35
Views: 3185

Re: Find a list of the best performing index funds

The "best" index fund is also dependent on what type of account you will be holding it in. So although your overall asset allocation is 40/10/50, the amounts in different types of accounts may vary. Moreover, if you have no Roth or taxable accounts, then just stuff everything into after-tax. My opin...
by MJS
Mon Feb 24, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2777995

Re: U.S. stocks in free fall

Just in case you were wondering, today's loss of 1031.61 on the DOW was the third largest in history (in points): In terms of percentages, I doubt that it's even in the top 50. If going by percentages, it's the 254th worst day. Just a blip... :beer How many days are there? Investopedia says Dow Jon...
by MJS
Sat Feb 22, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Puerto Vallarta
Replies: 11
Views: 1458

Re: Trip to Puerto Vallarta

The Vallarta Botanical Garden for food, birds, flowers and splashing in their stream. It was still being developed in 2015, but was already a splendid garden.
by MJS
Sat Feb 22, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139508

Re: Coronavirus (Consumer Issues) How you are preparing?

[quoted post removed by admin LadyGeek] For the first section, +100. However, for the last suggestion ... Coronaviruses can reinfect,(1) and there is growing evidence that COVID 19 does reinfect.(2) Being weak from one's first pass through the illness, then getting sick again may not be the best st...
by MJS
Fri Feb 21, 2020 1:53 pm
Forum: Personal Investments
Topic: My Second Noob Question: What 3 or 4 Funds?
Replies: 5
Views: 558

Re: My Second Noob Question: What 3 or 4 Funds?

The Boglehead Wiki article Three Fund Portfolio, section "Establishing a three-fund portfolio" / subsection "Choosing three funds" covers this in detail. Have fun!
by MJS
Wed Feb 19, 2020 7:03 pm
Forum: Investing - Theory, News & General
Topic: xkcd on stock picking
Replies: 27
Views: 3573

Re: xkcd on stock picking

Explainxkcd mentions Gary Shilling's remark "markets can remain irrational a lot longer than you and I can remain solvent." However it doesn't mention index funds...
by MJS
Tue Feb 18, 2020 9:03 pm
Forum: Personal Investments
Topic: New member: Is 85% S&P 500 index stupid?
Replies: 48
Views: 4797

Re: New member: Is 85% S&P 500 index stupid?

Ah, do you have an Emergency Fund/EF? Have you funded a 529 and a roof/car/vacation account? 85/15 is a bit over-aggressive if you don't have these three as well. Have you two written an investment policy statement/IPS? https://www.investopedia.com/articles/investing/060515/example-investment-policy...
by MJS
Tue Feb 18, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Do You Avoid Advertisements & Commercials?
Replies: 84
Views: 4860

Re: Do You Avoid Advertisements & Commercials?

I do the things already mentioned. I use Adblock Plus on Firefox. +1. In addition, I use Ghostery to block JavaScript tags and trackers to help minimize being followed around by advertisers. Take a look at Duckduckgo.com as an alternative to google, especially if you would prefer not to have a sear...
by MJS
Sat Feb 15, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs IRMAA vs health care coverage
Replies: 37
Views: 2065

Re: Medicare vs IRMAA vs health care coverage

MAGI vs Medicare IRMAA surcharge 0 - 174k.. = $144 174 - 218 = $202 218 - 272 = $289 272 - 326 = $326 326 - 750 = $462 750 +.....= $491 Nitpick time: Non matching data bothers me. Column 1 = income of a couple filing jointly Column 2 = Medicare pt B & IRMAA for one person Revise to Column 2 to Medi...
by MJS
Sat Feb 15, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Short week in New Orleans
Replies: 24
Views: 1562

Re: Short week in New Orleans

The Audubon Zoo has the Highest Point in the City, and a wonderful swamp venue. For early morning people, go to Cafe du Monde at 6am and watch the sunrise over the Mississippi: beautiful, no lines, very hot coffee & beignets. For unusual venues, take a look at Atlas Obscura * https://www.atlasobscur...
by MJS
Tue Feb 11, 2020 11:17 am
Forum: Personal Investments
Topic: Market timing + buying stock: cruise lines
Replies: 7
Views: 1041

Market timing + buying stock: cruise lines

If you occasionally cruise, this is a good time to buy 100 shares of cruise line stock. The companies offer old-fashioned stock perks of On Board Credit to pay for gratuities or drinks or excursions. Due to COVID-19 (the current Corona virus) cruise line stock prices are fairly low ... since wanderi...
by MJS
Mon Feb 10, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 14
Views: 1391

Re: Handbags/Purses?

Hayden wrote: Mon Feb 10, 2020 10:04 am Baggallini are highly functional. I have no idea whether or not they are fashionable.
+1.
by MJS
Fri Feb 07, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Finding GOOD flights, not necessarily cheapest flights
Replies: 40
Views: 3213

Re: Finding GOOD flights, not necessarily cheapest flights

Consider taking an ocean liner such as Cunard's Queen Mary or a transAtlantic repositioning cruise to get to northern Europe: the repositioning cruises stop in Iceland or the Azores. The long trip will let your bodies adjust to the new time zone. The price will be roughly equal to business class sea...
by MJS
Thu Feb 06, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 111345

Re: Well, I am market timing... Wish me luck.

As investment investigations go, this isn't bad. Take a look at the dozens of threads like What is your single most expensive mistake? to see where the posters on this thread are coming from. Certainly my actions haven't all been as analytical as yours! Good luck, and may you collect lots of excelle...
by MJS
Mon Feb 03, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with deciding whether to buy a house in DC or keep on renting
Replies: 67
Views: 3052

Re: Struggling with deciding whether to buy a house in DC or keep on renting

I love my home, but the cost in time and involvement surprised me. You have to replace the anode in the water heater, be ready to research suitable plants for your garden, know when to repair & when to replace your roof ... and these three things are just the ones currently active on Bogleheads. Own...
by MJS
Sun Feb 02, 2020 9:51 pm
Forum: Personal Investments
Topic: Portfolio Review & Questions - One Month Later
Replies: 4
Views: 482

Re: Portfolio Review & Questions - One Month Later

Consolidate your Roth into one fund -- no capital gains on selling post-tax holdings. Traditionally, one puts the Roth into a highest return / lowest ER holding of the 3 Fund Portfolio, so move everything to VTI.

Enjoy your simplicity!
by MJS
Sat Feb 01, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Social Security and IRA
Replies: 10
Views: 1204

Re: Social Security and IRA

... I would like this to be automatic so at the end of the year, I either get a refund or I don't have to pay anything. Thank you for any advice you may give me. You might want to think about this. Giving the federal government a 16 month (Jan-Apr) interest-free loan of your money (= get a tax retu...
by MJS
Thu Jan 30, 2020 10:02 pm
Forum: Personal Investments
Topic: Large taxable portfolio - how to maximize charitable giving and minimize loss over long time horizon?
Replies: 25
Views: 2464

Re: Large portfolio - how to maximize charitable giving and minimize loss over long time horizon?

Have Vanguard move all the investments to your account there. Hire Vanguard's Personal Advisor Service for 18 months (2 tax years) -- at 0.3% I think. Have them create your preferred allocation. Vanguard knows how to do what you want without unfortunate side effects. Selling lots of bits and pieces ...
by MJS
Wed Jan 29, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Buy My Condo Or Keep Renting From Owner
Replies: 20
Views: 1205

Re: Buy My Condo Or Keep Renting From Owner

Being a home owner is a very expensive hobby. There are a number of Boglehead threads on owner's common tasks. If they don't interest you, postpone home ownership.
by MJS
Tue Jan 28, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5806

Re: Toy overload alternatives for grandparents

Educational gift box subscriptions can include foods or snacks or fruit juices of the world. For an older child, a basic meal prep box so they can make dinner for the family ... while learning to cook.
by MJS
Tue Jan 28, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Beijing in April - how would travel ins. help?
Replies: 17
Views: 1296

Re: Beijing in April - how would travel ins. help?

Rescheduling resolves the issue. However, do you have / did you look into travel health insurance as well as cancellation insurance? If someone catches a respiratory virus on the flight over and get quarantined, or breaks a leg climbing up a flight of stairs -- medical insurance and evacuation insur...
by MJS
Mon Jan 27, 2020 7:34 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 687
Views: 22142

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

The Contest page shows only the Experts' entries. Will the Boglehead entries be added later this year? I'm sure they will be. There was a previous post somewhere in this thread indicating that the person that works on that was pretty tied up with work, and would get to it a bit later. Edited to add...
by MJS
Mon Jan 27, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 687
Views: 22142

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

The Contest page shows only the Experts' entries. Will the Boglehead entries be added later this year?
by MJS
Mon Jan 27, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Android apps worth their price
Replies: 8
Views: 1025

Re: Android apps worth their price

I like RealCalc Plus Scientific Calculator, but it's no longer being updated. The conversion feature is convenient.
by MJS
Sun Jan 26, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for in-law retirement/elder-care
Replies: 19
Views: 1459

Re: Planning for in-law retirement/elder-care

Do unto others as you would have them do unto you. Ask your parents-in-law to go over your estate plan; fill them in on your 10-year family plan including moving to a LCOL state; re-assure them that you are financially stable and won't be a burden on them. Ask for their advice; they are older and wi...
by MJS
Sat Jan 25, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: Retirement Income - planning for inflation vs. planning for general increases in living standards
Replies: 16
Views: 1626

Re: Retirement Income - planning for inflation vs. planning for general increases in living standards

Okay, here's one area where retirees are increasing their standard of living beyond current levels: aging-in-place, Activities of Daily Living, and senility detection technologies that supplement or replace the current human-based systems. Already, the elderly are paying for grocery delivery, Uber &...
by MJS
Thu Jan 23, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3460

Re: Baby registry "must haves"?

I'm from Arizona. Get a covered box. Put it on the back seat floor. Always ALWAYS put your purse, wallet, work pass/keys in the box, whether or not the baby is with you or has even been born. Make checking the back seat so ingrained that 36 hours without sleep and a major project due won't make you ...
by MJS
Wed Jan 22, 2020 10:43 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28516

Re: Sad news: LadyGeek's husband has passed

My condolences, LadyGeek. Thank you for your work, now and during the difficult months.
by MJS
Wed Jan 22, 2020 1:38 am
Forum: Personal Investments
Topic: Roth conversions to reduce future RMD's
Replies: 31
Views: 3101

Re: Roth conversions to reduce future RMD's

One important thing that no-one has yet mentioned, is that the value of the IRA will continue growing between now and age 72 (and even after). ... Have you run a Required Minimum Distribution (RMD) Calculator, such as Schwab's ? If you vary the year of birth, you can guesstimate the effects of Roth...
by MJS
Wed Jan 22, 2020 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5445

Re: Talk me out of spending my tax refund

manatee2005 wrote: Tue Jan 21, 2020 11:10 pm What’s the big deal about owing the government money?
As Manatee implies, when you pay taxes in April, you had the interest-free loan for 16 months.

I love owning the government money at tax time, as long as it is inside the Safe Harbor limits, so no interest or penalty is due.
by MJS
Tue Jan 21, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How best to finance renovation when home is paid off?
Replies: 18
Views: 1472

Re: How best to finance renovation when home is paid off?

How do taxes figure into deciding between getting a loan and paying cash? Especially if you want to preserve liquidity. For single filer, taxes are cheap up to $50k, which pays for basic expenses and dear little luxuries like feeding my cat canned food. After that, taxes on pre-tax funds go up to 22...
by MJS
Mon Jan 20, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Time to get a bearded dragon?!
Replies: 57
Views: 4749

Re: Time to get a bearded dragon?!

Did you read the WaPo story about feeding bearded dragons? You can get crickets delivered.
by MJS
Mon Jan 20, 2020 2:03 am
Forum: Personal Finance (Not Investing)
Topic: SS @ 62 as part of tax reduction strategy
Replies: 28
Views: 2755

Re: SS @ 62 as part of tax reduction strategy

manatee2005 wrote: Mon Jan 20, 2020 12:20 am
GerryL wrote: Sun Jan 19, 2020 11:58 pm OP,
If you're really so concerned about the effect of SS on your taxes, you could decline to take SS. Lower income = lower taxes.
Not sure why nobody else has suggested this. :)
Nobody else suggested it because it's not a good idea.
But it is wonderfully funny. :sharebeer
by MJS
Mon Jan 20, 2020 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Shouldering the burden of my in-laws’ lifestyle
Replies: 48
Views: 4898

Re: Shouldering the burden of my in-laws’ lifestyle

Being that they are in such dire straits, have you explored the social programs available to them? There are often subsidies available for elderly low-income people. ... Contact their area Agency on Aging to see what might be available for them. +1. Once you know the alternatives, you and your wife...
by MJS
Sat Jan 18, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Any favorite Etsy (or similar) jewelers making good quality, creative jewelry?
Replies: 10
Views: 1068

Re: Any favorite Etsy (or similar) jewelers making good quality, creative jewelry?

Non-pierced earrings in the $100 range, sterling & gold filled. Very comfortable.
https://www.etsy.com/shop/UnusualEarrings

Perhaps a bit more detail on your preferences: rings, tiaras, anklets? Modern, steam punk, Victorian? Business, bars, formal? Gold, titanium, enamel, plastic?
by MJS
Sat Jan 18, 2020 3:10 pm
Forum: Personal Investments
Topic: Is this retirement strategy good?
Replies: 8
Views: 1861

Re: Is this retirement strategy good?

At 35, you may never have had the highly educational experience of losing 20-50% of your hard-earned money that was invested Equities, while the Funds in Fixed look Fine. People react in very different ways to stock market crashes: disinterest, nervous but steadfast, angry & determined to Do Somethi...
by MJS
Sat Jan 18, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Detached garage: Recommended ways to heat water for shower? Save space and money?
Replies: 44
Views: 3092

Re: Detached garage: Recommended ways to heat water for shower? Save space and money?

I'm clueless about whether this is legal or cost-effective, but would a $12-15,000 used RV, fifth wheel, or camper van parked next to a very basic garage work? Building code issues, vehicle & building licensing, maintenance, parking codes, cost of running utility lines ... maybe just strip the bathr...
by MJS
Wed Jan 15, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Holiday in Indonesia...not Bali?
Replies: 11
Views: 1105

Re: Holiday in Indonesia...not Bali?

Komodo National Park, near Flores. Dragons, coral reefs, hiking, pink beaches, not too commercialized. The government keeps threatening to close the Park for a year or two to do development.
by MJS
Tue Jan 14, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying to much cash to Ecuador
Replies: 53
Views: 4497

Re: Carrying to much cash to Ecuador

What would be the reasoning for wanting older bills? When the new ones came out, I couldn't get rid of my older ones fast enough. Some machines (bill changers, etc) balk at them more often than the new bills in my experience. Paranoia. <Sarcasm mode on> Didn't you know that many _Completely! Trustw...
by MJS
Sat Jan 11, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7635

Re: How do you mentally process stupid ways of losing money?

OP, and thread contributors -- thank you.
by MJS
Fri Jan 10, 2020 8:32 pm
Forum: Personal Investments
Topic: Should i pay off my car loan early?
Replies: 19
Views: 1806

Re: Should i pay off my car loan early?

If you are actively protecting your credit score for the next 12 months, Experian states that "[by] paying off a loan your credit score may drop slightly ... for a few months." So, not a big deal. However, if you plan to negotiate insurance costs, or have your eye on new credit card, or seek a loan ...
by MJS
Mon Jan 06, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2905

Re: Traveling to Japan for first time

I recommend the Google Translate app for translating text and speech including offline. You need to do bit of set up for it to work offline --
https://www.businessinsider.com/how-to- ... -languages
by MJS
Fri Jan 03, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security Question
Replies: 2
Views: 409

Re: Spousal Social Security Question

Have you played with Open Social Security, especially the Advanced Options?
https://opensocialsecurity.com/
It's an SS optimizer developed by another Boglehead.

You two could file for benefits this month without loss of widow's full benefit.
by MJS
Tue Dec 31, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3729

Re: New Zealand Train trip

As of now and listening to all of your suggestions this is the plan. 2 nights in Auckland and fly to Wellington. 2 nights Wellington and fly to Queenstown 2 nights Queenstown and fly to Christchurch 2 nights Christchurch and fly to Melbourne 3 nights Melbourne and fly to Auckland. I am wondering if...
by MJS
Tue Dec 31, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3729

Re: New Zealand Train trip

You have your flight dates set, but have you looked at the Auckland NZ to Australia cruises, 10-14 days, from $1200/person? Celebrity & Holland America do this route. You'd save on train fares, lodging, & travel costs so it's not extraordinarily more expensive. Flight back from Australia to Auckland...