Search found 388 matches

by RJC
Sat Jun 01, 2019 8:37 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

Hello RJC, I'm similar to you - 42 yro, and count myself lucky in life concerning employment with the Fed. I've been wrestling for a year or 2 with the idea of Early Retirement from being a Fed worker . I started in 2002, so coming up on 17 years. I have a good work environment, but the work itself...
by RJC
Thu May 30, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 69612

Re: Name something you had to have and now you regret purchasing it?

1. Upscale condo during the housing bubble (sold for a loss)
2. Home weights and bench (starting going to a gym)
3. Road bicycle (bored of the same routes, maybe get more use when kids are older)
by RJC
Thu May 30, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Do I need AWD?
Replies: 14
Views: 1168

Re: Do I need AWD?

You get more traction with FWD/winter tires vs AWD/all seasons. The tires matter more in most cases.
by RJC
Fri May 24, 2019 8:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 9067

Re: Vanguard issues 10-year forecast for stock, bond market returns

sapphire96 wrote:
Fri May 24, 2019 6:05 am
RJC wrote:
Thu May 23, 2019 9:02 pm
Anyone have their forecast from 5-10 years ago? How did they do?
From June 2009 https://personal.vanguard.com/pdf/icrecm.pdf
Did they forecast 8-12% for both US and international equities? Seems off the mark?
by RJC
Fri May 24, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: This rake is the best tool I've bought this week
Replies: 35
Views: 5626

Re: This rake is the best tool I've bought this week

Just wanted to share: after many decades of suffering the indignity of big box store rakes (Lowe's and Home Depot, I'm looking at you) I broke down and ordered a rake from A.M. Leonard called the Leonard 22-Tine Forestry Rake . Wow, what an improvement over the True Temper and Craftsman tools I've ...
by RJC
Thu May 23, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 9067

Re: Vanguard issues 10-year forecast for stock, bond market returns

Anyone have their forecast from 5-10 years ago? How did they do?
by RJC
Thu May 23, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7611

Re: Is Tesla Going To Survive?

I've had my Model S 4.5 years but I can't really speak to how service has been since it really hasn't needed any. As an owner I don't really care if Tesla makes it as an independent or gets bought out by one of the Bigs. Still drives down the road the same . But there will always be Tesla in some f...
by RJC
Thu May 23, 2019 5:56 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7611

Re: Is Tesla Going To Survive?

TSLA is now at $192 (down 47%)? Is the company going to survive the next few years? Tesla owners, how is the quality and customer service as of late? I was actually thinking about splurging for a Model Y in the next few years. I'm not so sure now... This kind of post is just asking for trolling. Pl...
by RJC
Wed May 22, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7611

Re: Is Tesla Going To Survive?

Tesla owners, how is the quality and customer service as of late? Model S owner here. Still love the car. Can't say much about the service. I go once a year and they basically tighten a few loose bolts, replace the windshield wipers, and put it through the car wash. I've had mine for 5 years and ov...
by RJC
Wed May 22, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7611

Is Tesla Going To Survive?

TSLA is now at $192 (down 47%)? Is the company going to survive the next few years?

Tesla owners, how is the quality and customer service as of late?

I was actually thinking about splurging for a Model Y in the next few years. I'm not so sure now...
by RJC
Wed May 22, 2019 8:30 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

I just finished reading a really interesting thread on another website about this. A lot of good information pertaining to early fed retirement restrictions and possibilities. https://forum.mrmoneymustache.com/post-fire/any-fers-tsp-fire-folks-out-there/ Thanks for the thread. Looks like a lot of g...
by RJC
Wed May 22, 2019 7:41 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

If you do some Googling all of this info is online. I’m leaving at 56 with 21 years so I can either take an immediate pension but permanently reduced by 30% or do a postponed retirement. In the latter case I don’t receive anything until 60 and then get my pension and also regain my health insurance...
by RJC
Wed May 22, 2019 7:17 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

You don't need to be 60/62 to continue FEHB insurance. You DO need to be drawing the pension. Therefore, if you wish to maintain FEHB you MUST take an early (reduced) pension. This means that you must have at least 10 years of service (requirement for Early pension at your calculated minimum retire...
by RJC
Tue May 21, 2019 7:45 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

Tdubs wrote:
Tue May 21, 2019 5:23 pm
Just a guess, but I would not start counting my early retirement chickens if they won't hatch for 15 years.
I'm trying to plan as early as possible. We could probably retire earlier; however, the pension and health benefits might persuade me to keep working.
by RJC
Tue May 21, 2019 5:51 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

Appreciate your comments Taylor. The combination of pension and great health insurance is what is keeping me here! RJC: A federal pension is inflation-adjusted. This is especially important for early retirees. Best wishes Taylor Unfortunately Taylor FERS is now only partially inflation adjusted unl...
by RJC
Tue May 21, 2019 1:54 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

Dear Friends, Any Federal Gov't workers here retire early without putting in 30 years? I'm 42, accumulated about 10 years in FERS, and is hoping to retire in about 10 more (if my savings and the markets stay on course). What was your experience like? Did you have to find supplemental health insuran...
by RJC
Tue May 21, 2019 1:51 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

If you retire before age 57, you lose FEHB health insurance forever. The exception would be if your agency happens to offer an early retirement buyout program (VERA), but I think those are few and far between. Since you already have 10 years of service, if you retire at 52 you would still be eligib...
by RJC
Tue May 21, 2019 11:28 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Re: Federal Gov't Early Retirement?

daheld wrote:
Tue May 21, 2019 11:25 am
At 52, you will not meet the minimum retirement age of 57.
So I would have to retire at 57 to receive any benefits? I'm just starting to research this area so this is all new to me.

Thanks.
by RJC
Tue May 21, 2019 11:24 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4870

Federal Gov't Early Retirement?

Dear Friends, Any Federal Gov't workers here retire early without putting in 30 years? I'm 42, accumulated about 10 years in FERS, and is hoping to retire in about 10 more (if my savings and the markets stay on course). What was your experience like? Did you have to find supplemental health insuranc...
by RJC
Tue May 21, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 19799

Re: Very High Net Worth, elite private or “good” public

Cyanide123 wrote:
Tue May 21, 2019 6:49 am
If it were my children, I would pick private school if money was no object whatsoever. A school rated a 6 is probably terrible :P
+1

I don't think I would feel comfortable sending my children to a mediocre public school no matter how confident I was in their abilities.
by RJC
Mon May 20, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6398

Re: Anybody try the Blue Apron or the like?

We've tried a few including Blue Apron and noticed a few things: 1. Takes about 45-60 min to prep and cook. Where's the convenience in that? 2. Makes you dependent on the service over time. 3. Starts to add up after a while. A Trader Joe's opened up across the street so we've been going there. They ...
by RJC
Sun May 19, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 148
Views: 22807

Re: Trader Joe's Fans - good value?

Trader Joe's is a like a mini Costco. Curated products that generally taste great at a fair price. They've got the right formula.
by RJC
Sat May 18, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 19799

Re: High net worth, elite private or “good” public

Also, going to an elite private does not guarantee anything. I know some folks that went the private school route (Bullis, Sidwell Friends, etc.) and ended up in pretty much the same place as me (going to a professional school post primary college).
by RJC
Sat May 18, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 19799

Re: High net worth, elite private or “good” public

MD has one of the most competitive / accomplished student-body esp. in public schools around Bethesda (Montgomery County) called W schools as their names start with W - Walt Whitman, Wootton, and Walter Johnson. I would encourage you to compare outcomes of your local & private high school with thos...
by RJC
Fri May 17, 2019 7:34 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 22862

Re: VTSAX or VTWAX over the next 35 years?

VTWAX isn't 100% international. About half of the composition is the US. We are talking about a fraction of a fraction of one's portfolio when bonds are added. This is why I don't understand some of the harsh and dismissive language in these threads. We are debating over the smallest of *potential* ...
by RJC
Fri May 17, 2019 7:32 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9384

Re: Amazon....we all have seen this before :)

Outside of play money, do people really gamble their retirement on individual stocks? Many people, including me, INVEST in individual stocks, what you call gambling Horses for courses I think most folks on this forum would consider buying individual stocks, especially for retirement, a form of gamb...
by RJC
Thu May 16, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 8028

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Is there any truth to this table from a MMM blog post? https://www.mrmoneymustache.com/wp-content/uploads/2012/06/nhtsa_car_types.jpg It seems to say that cars are generally safer than SUVs . The full blog is here: http://www.mrmoneymustache.com/2012/06/07/safety-is-an-expensive-illusion/ That's no...
by RJC
Thu May 16, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 8028

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Is there any truth to this table from a MMM blog post? https://www.mrmoneymustache.com/wp-content/uploads/2012/06/nhtsa_car_types.jpg It seems to say that mid to full-size cars are generally safer than SUVs. The full blog is here: http://www.mrmoneymustache.com/2012/06/07/safety-is-an-expensive-illu...
by RJC
Thu May 16, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9384

Re: Amazon....we all have seen this before :)

Outside of play money, do people really gamble their retirement on individual stocks?
by RJC
Thu May 16, 2019 7:43 pm
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 61
Views: 5948

Re: Does stock allocation truly matter?

Stocks vs bonds matter. All US vs weighted US/international, not so much.
by RJC
Thu May 16, 2019 7:41 pm
Forum: Personal Investments
Topic: Airbnb Rental
Replies: 12
Views: 1528

Re: Airbnb Rental

We bought a rental house in our town that is 2 blocks away from the local small (6000 student) university. In the beginning, I had planned to make it a rental property. Local rentals in that area go for about $1250 to $1500 for a 3 bedroom house. After we got into the massive remodel . (I knew from...
by RJC
Thu May 16, 2019 3:45 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 22862

Re: VTSAX or VTWAX over the next 35 years?

There needs to be a "Final, Definitive Thread on International Asset Allocation". Just like these: DCA vs Lump Sum: https://www.bogleheads.org/forum/viewtopic.php?t=132098 Rebalancing: https://www.bogleheads.org/forum/viewtopic.php?t=149161 Value investing: https://www.bogleheads.org/forum/viewtopic...
by RJC
Thu May 16, 2019 2:33 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 22862

Re: VTSAX or VTWAX over the next 35 years?

I have yet to be convinced that having a large international allocation is the way to go especially with the additional risks involved. It doesn't help that it's been lagging since the 90's either. Have you considered that recent US dominance might not be confirmation that it will continue on the s...
by RJC
Thu May 16, 2019 2:19 pm
Forum: Personal Investments
Topic: Airbnb Rental
Replies: 12
Views: 1528

Re: Airbnb Rental

I have four friends who have although I haven't taken the plunge myself. We ran the numbers many years ago and certain markets like New Orleans, Palm Springs, and Atlanta were super profitable due to lots of events / tourists with low property costs. In some higher cost areas, most of the hotels ar...
by RJC
Thu May 16, 2019 11:27 am
Forum: Personal Investments
Topic: Airbnb Rental
Replies: 12
Views: 1528

Airbnb Rental

Dear Friends,

Has anyone bought a rental home for the sole purpose of renting it on Airbnb? If so, what was your experience like? We'd probably have a 3rd party managing the property.

We are looking for different ways to diversify our portfolio.
by RJC
Thu May 16, 2019 10:49 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 22862

Re: VTSAX or VTWAX over the next 35 years?

I started out with the SP500 because that is what I knew at the time (and what was only offered in some of my accounts). When I opened up a taxable account, this board helped in deciding to go with a total stock market fund. I have yet to be convinced that having a large international allocation is ...
by RJC
Mon May 13, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: 100% stocks with 3% SWR with 60 years retirement period
Replies: 40
Views: 4034

Re: 100% stocks with 3% SWR with 60 years retirement period

I've wondered this myself. I don't think there has been a 15-year period where stocks were down. Maybe because most folks have enough by retirement that they do not need to take on the additional volatility?
by RJC
Mon May 13, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 41
Views: 3728

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

I know a few folks that have Volvos and reliability is an issue. I believe Consumer Reports also have them near the bottom for reliability.
by RJC
Thu May 09, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Am I out of line to request a refund for dental work that hasn't been done?
Replies: 43
Views: 3664

Re: Am I out of line to request a refund for dental work that hasn't been done?

Which molar is it? If it's the bottom, it may erupt over time. Removing a molar without replacing it may also shift the other teeth.
by RJC
Tue May 07, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 8075

Re: International Exposure — A Fresh Look at Your Stock Portfolio

Doesn't Vanguard also push for international bonds?
by RJC
Wed May 01, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 7770

Re: Has anyone down-shifted in their career?

I haven't down-shifted; however, I am reluctant to take the next step up as it will be a 10% raise for about 50% more responsibility/stress.
by RJC
Wed May 01, 2019 7:37 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 219
Views: 20335

Re: Biggest Investment Mistake

Here's another one: buying a high priced condo at the height of the bubble and financing it through a 5-year ARM... :oops:
by RJC
Mon Apr 29, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 137
Views: 28967

Re: When do you notice the compounding at work?

I think it would also depend on your asset allocation. If you have a more aggressive portfolio (less bonds, more US), you would see a bigger bump.
by RJC
Sun Apr 28, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 9177

Re: What are the cons of always being a one parent working household?

I don't know if this has been discussed but there's also a power dynamic at play in these situations and it's usually not healthy.
by RJC
Sun Apr 28, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6796

Re: Justifying Home Bias in your Portfolio

"Nobody knows nothing."

"When experts disagree it is often because it makes no foreseeable difference."

Asset allocation is a personal decision and I can't imagine one can go wrong with 100% US or 60/40 in the coming years.
by RJC
Sat Apr 27, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 9177

Re: What are the cons of always being a one parent working household?

How does the stay-at-home parent go back to work after raising the kids? That is a big gap in their resume.
by RJC
Sat Apr 27, 2019 7:20 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17362

Re: Dump international?

The pro-INTL folks appear to be more accusatory (e.g. performance chaser, biased, etc.) with some fear mongering added (just US is harmful, dangerous advice, etc.). Why can't we all agree that nobody knows what the future holds so we shouldn't judge how one approaches their asset allocation? It's a ...
by RJC
Thu Apr 25, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 115
Views: 51292

Re: If I Knew Then What I Know Now

Just read this from a previous post and I have to say it is spot on. Thank you.
by RJC
Thu Apr 25, 2019 8:22 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17362

Re: Dump international?

I don’t hold any international equities, but rather follow the general advice given by Buffett and Bogle that it isn’t necessary. U.S. markets are more expensive because they are worth more. Why do I want to take on the political, accounting, and currency risk of international equities. U.S. multin...
by RJC
Tue Apr 23, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: Most Insightful Charts
Replies: 40
Views: 4052

Re: Most Insightful Charts

Is this right? So there is less volatility/higher returns when you introduce international up to 30%?

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