Search found 319 matches

by bb
Thu Feb 13, 2014 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: average saving rate affect on ability to retire
Replies: 27
Views: 4456

Re: average saving rate affect on ability to retire

Reminder - please don't discuss politics, social policy, etc. Just trying to make sense of
Bernstein's assertion.

Thanks,

Brian
by bb
Thu Feb 13, 2014 8:59 am
Forum: Personal Finance (Not Investing)
Topic: average saving rate affect on ability to retire
Replies: 27
Views: 4456

average saving rate affect on ability to retire

In Bernstein's article: "Retirement Calculator from Hell, Part IV: A Nation of Wal-Mart Greeters" http://www.efficientfrontier.com/ef/103/hell4.htm It is stated: If you want to retire early, what matters is not how much you save, but how much more than everyone else you save. I was wonderi...
by bb
Sat Jan 04, 2014 12:03 am
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 23
Views: 3800

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

Toyota made changes to 2014.5 Camry to address poor small offset crash test
results.
by bb
Sun Oct 13, 2013 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: After tax contributions to 401k
Replies: 1
Views: 374

After tax contributions to 401k

I have been contributing after tax to my employer 401k. Rationale was would need large enough tax deferred for fixed income to offset stocks in taxable index funds. I can withdraw the funds but get suspended from the 4% employer match for 6 months. Thoughts on: - contributing after tax money if you ...
by bb
Fri Sep 13, 2013 9:21 am
Forum: Personal Consumer Issues
Topic: Which is the better car deal?
Replies: 38
Views: 3287

Re: Which is the better car deal?

Thanks for everyone's input. I realize now the question I should have been
how much extra should I budget for the BMW (guestimate) over the Camry
for 10 years of ownership.

Edmunds only goes out first 5 years of ownership.

Then I can decide if the extra money would be worth it to me.

Brian
by bb
Thu Sep 12, 2013 10:12 pm
Forum: Personal Consumer Issues
Topic: Which is the better car deal?
Replies: 38
Views: 3287

Re: Which is the better car deal?

Guess my original post just should have asked for any guesses as to how much more the BMW would cost over the Camry for 10 years of ownership of both. For the first 5 years the BMW is covered and I would not expect any significant repairs for the Camry. The 5 years after that what would be a reasona...
by bb
Thu Sep 12, 2013 9:38 pm
Forum: Personal Consumer Issues
Topic: Which is the better car deal?
Replies: 38
Views: 3287

Re: Which is the better car deal?

I saw the car in the dealers show room this spring before it sold - it is not a flood car - bought and traded back to the same dealer (we did not have a flood). Guess my bias is the BMW is a better car - in terms of features and driving characteristics. But since I also don't care to throw my money ...
by bb
Thu Sep 12, 2013 9:21 pm
Forum: Personal Consumer Issues
Topic: Which is the better car deal?
Replies: 38
Views: 3287

Re: Which is the better car deal?

Speaking financially - say I keep both cars 10 years. I generally make the assumption that
a car is worthless after 10 years (road salt = rust).

So just straight cost of the car per year camry is $2.4K/yr and the BMW is $3K/yr -
does not seem like a big difference.
by bb
Thu Sep 12, 2013 9:18 pm
Forum: Personal Consumer Issues
Topic: Which is the better car deal?
Replies: 38
Views: 3287

Re: Which is the better car deal?

Well - I only need to carry 2 people. The camry is a 4 cylinder which I am not in love with. To upgrade to the 6 cylinder in the camry you are probably at $30k. So from a feature standpoint the BMW seems like more car for the money. I generally keep cars until they die but don't really plan my auto ...
by bb
Thu Sep 12, 2013 8:44 pm
Forum: Personal Consumer Issues
Topic: Which is the better car deal?
Replies: 38
Views: 3287

Which is the better car deal?

2011 BMW 328xi, 9k miles, 17/25 mpg, premium unleaded, owned 6 months, 3.5 years base warranty + 2 years certifiedpreowned warranty, $30K (value package, premium package, xenon headlights) 2014 Camry XLE, 25/35 mpg, regular unleaded, 4 cylinder, new, 3 year warranty, $24K For the sake of the discuss...
by bb
Sun Jun 16, 2013 8:41 pm
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 8722

Re: Beef brisket

http://virtualweberbullet.com/

bogleheads and this site best of the best IMHO
by bb
Sat May 18, 2013 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire - single person version
Replies: 38
Views: 5544

Re: Can I retire - single person version

No dissenting opinions?
by bb
Sat Mar 09, 2013 12:12 pm
Forum: Investing - Theory, News & General
Topic: 6 years in the trenches - what did it get me?
Replies: 9
Views: 1624

Re: 6 years in the trenches - what did it get me?

Once again proving hindsight is 20/20 !
by bb
Sat Feb 09, 2013 12:12 am
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 15911

Re: The perfect Boglehead car

Sunny Sarkar wrote:In 2002, I bought a 5 year old Toyota Camry with 55k miles on it for $9000 ...
Local dealer is showing a 2007 Camry, 55k miles for $12.9K.

Buying a used car based on the prices I have seen makes no
sense.
by bb
Sun Aug 26, 2012 9:24 am
Forum: Investing - Theory, News & General
Topic: 401(k) risk
Replies: 22
Views: 3054

Re: 401(k) risk

I don't see how it is posible to read that article and not get angry.
by bb
Thu Aug 16, 2012 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: When can one determine if they can afford toys?
Replies: 40
Views: 7431

Re: When can one determine if they can afford toys?

+1 for cheaper fun car or find a daily driver you also consider fun - although that
would rule out a classic car.
by bb
Mon Aug 13, 2012 10:08 pm
Forum: Personal Investments
Topic: Do we have enough to retire?
Replies: 29
Views: 5839

Re: Do we have enough to retire?

http://assetbuilder.com/blogs/scott_burns/archive/2012/07/20/how-much-is-a-future-year-worth.aspx Somehow, it doesn’t seem sensible to be 95 percent prepared for something you only have an18 percent chance of experiencing. Honk if you feel the same way Scott Burns seems to present a somewhat balanc...
by bb
Sun Aug 05, 2012 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Re: Save $2K On 2012 Certified Used Car, worth it?

Yea - next year - the other issue I struggle with. For 2014 the next gen of the gti is supposed to be out with significantly more power, lighter weight, and expectations of same price (my opinion) based on cheaper for VW to produce. But my 2001 vehicle is rusting out hence I don't really want to put...
by bb
Sun Aug 05, 2012 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Re: Save $2K On 2012 Certified Used Car, worth it?

New: $23.8K

That price is (dealer invoice - destination fee).
by bb
Sun Aug 05, 2012 10:44 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Long-Term Returns for Stocks, Bonds
Replies: 35
Views: 7331

Re: Jack Bogle on Long-Term Returns for Stocks, Bonds

At one point Jack Bogle states nominal returns will be 5% and then later states real returns
will be 5%. I believe in earlier pieces he has indicated he project real returns of around
4-5% for 50/50 stock/bond portfolio.
by bb
Sun Aug 05, 2012 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Re: Save $2K On 2012 Certified Used Car, worth it?

I don't believe any of the 3 listings I have encountered were dealer demos - all 3 were private party sales. Granted as a requirement of purchase I may personally need to be able to speak to the previous owner before feeling comfortable with the car - in cases where that is not possible then quite p...
by bb
Sat Aug 04, 2012 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Re: Save $2K On 2012 Certified Used Car, worth it?

I put the value of the extended warranty at $500-$1000. It is really the combination of the
purchase price discount + extended warranty that has me considering this. Probably a little
apprehension on my part regarding VW that makes the extended warranty attractive.
by bb
Sat Aug 04, 2012 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Re: Save $2K On 2012 Certified Used Car, worth it?

Is there a general thought that there must be something wrong with used cars
that are only a 12 months or less old or is the thought that assume there was
something wrong because it is out of the ordinary unless the reason can be
verified.
by bb
Sat Aug 04, 2012 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Re: Save $2K On 2012 Certified Used Car, worth it?

All right - no laughing - VW GTI 6-speed manual - I know - a very un-bogleheadish car choice! No need to finance. Several listings with around the same mileage. Listing #1: ------------- Employee of dealer bought the car and then traded 4 months later for the same car - said dealership needed to mak...
by bb
Fri Aug 03, 2012 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Save $2K On 2012 Certified Used Car, worth it?
Replies: 23
Views: 2085

Save $2K On 2012 Certified Used Car, worth it?

New:
$23.8K
3 year/36K bumper to bumper manufacturer's warranty

2012 CPO:
5K miles, $21.8K, 2 years of original warrany + 2 years/24K extended
manufacturer's warranty.

Which one is the better deal? Any opinions about buying 1-12 months used
vs 1,2, or 3 year old cars?

Brian
by bb
Sun Jun 17, 2012 11:31 am
Forum: Personal Investments
Topic: 45 and wondering if I should stop investing altogether?
Replies: 67
Views: 9448

Re: 45 and wondering if I should stop investing altogether?

I am sure lots of others will chime in on determining your risk tolerance, ability vs need to take risk, etc. Risk is fine when it is a theoretical concept. In reality it can make you ill when you see your equity balance drop by 50%. Do you worry to death every time you cross the road that you might...
by bb
Thu May 31, 2012 7:40 am
Forum: Investing - Theory, News & General
Topic: Rebalancing into Poverty...Part 2
Replies: 36
Views: 3011

Re: Rebalancing into Poverty...Part 2

Everyone always deals with % and ignores investor sentiment, emotion, and human psychology. Brian That is why "A" is superior. It DOES NOT deal with investor sentiment, emotion and human psychology. Which are usually wrong, and cause you to do things that are stupid. It makes you stick to...
by bb
Wed May 30, 2012 9:22 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing into Poverty...Part 2
Replies: 36
Views: 3011

Re: Rebalancing into Poverty...Part 2

Scenario A: -------------- 50/50 Stocks/Bonds. Stocks decline 50%. Don't rebalance Scenario B: ----------------- 25/75 Stocks/Bonds. Stocks decline 50%. Rebalance Don't see why B is automatically superior. (A) was comfortable with a 50% loss so chose allocation accordingly. After experiencing the lo...
by bb
Tue May 29, 2012 8:37 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing into Poverty
Replies: 211
Views: 15266

Re: Rebalancing into Poverty

I do not agree the definition of risk tolerance mandates rebalancing
from fixed income to equities after a market decline. That is one
definition.
by bb
Sat May 19, 2012 1:21 pm
Forum: Investing - Theory, News & General
Topic: QUESTIONS FOR Q&A WITH JACK BOGLE AT BOGLEHEADS 11
Replies: 42
Views: 9647

Re: QUESTIONS FOR Q&A WITH JACK BOGLE AT BOGLEHEADS 11

Don't know a good way to ask this question. Jack Bogle and others have frequented lamented the number of the best and brightest gravitating to the finance industry for employment. Is Jack arguing that people should not be attracted to the highest paying jobs OR these jobs should not be paying such h...
by bb
Sat May 19, 2012 9:46 am
Forum: Investing - Theory, News & General
Topic: Battle-Royale: Rent-Generating Investments vs. Stock Market
Replies: 57
Views: 5662

Re: Battle-Royale: Rent-Generating Investments vs. Stock Mar

One factor I see is inflation. It seems to me that the "historical annual 6.5% increase" you used for the stock market is the historic real return. However, you adjust the real estate return for 2.5% inflation. You should adjust either both or neither investments for inflation in order to...
by bb
Sun Apr 29, 2012 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: leaving a job
Replies: 14
Views: 2023

Re: leaving a job

Guess in my case the thought experiment (that's all it is currently) is
same field, same work, just different company. Near term goal would be
to get to more challenging/interesting environment. Longer term
goal would be hopefully more chance for technical career growth.
by bb
Sun Apr 29, 2012 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: leaving a job
Replies: 14
Views: 2023

leaving a job

Anybody leave a technical job in search of a more interesting/challenging
job? How did you decide the change made sense vs grass being greener
fallacy?

Brian
by bb
Mon Apr 23, 2012 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: the psychology of christmas present/gifts
Replies: 41
Views: 4089

Re: the psychology of christmas present/gifts

Kids need new clothes every year - what's the big deal about calling it a Christmas present?
by bb
Sat Apr 21, 2012 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: mid career checkup
Replies: 4
Views: 942

Re: mid career checkup

Maybe I should rephrase the question - anyone left a job mid-career
for reasons other than money. What were the reasons and did
it work out?
by bb
Sat Apr 21, 2012 9:13 am
Forum: Personal Consumer Issues
Topic: Advice on retirement...not financial, but what to do all day
Replies: 72
Views: 7404

Re: Advice on retirement...not financial, but what to do all

I wonder if this debate comes down to "how we are wired". Seems like if you are wired to be doing something productive "filling" your time may not scratch that itch. Maybe some people have that inherent need to fullfill and others don't. Seems like to some people playing golf eve...
by bb
Sat Apr 21, 2012 8:08 am
Forum: Personal Finance (Not Investing)
Topic: mid career checkup
Replies: 4
Views: 942

mid career checkup

Just wondered what sort introspection people have done at mid-career. Any opinions on when it makes sense to change companies at mid-career. Seems like mid-career is a point where idealism and reality may have clearly diverged. When does it make sense to change idealism and when does it make sense t...
by bb
Sun Apr 15, 2012 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What is the average net worth per household?
Replies: 36
Views: 6979

Re: What is the average net worth per household?

What is the significance of household net worth minus retirement accounts.
Someone with a pension my feel less of a need to save money outside of
retirement accounts.
by bb
Tue Apr 03, 2012 8:21 pm
Forum: Personal Consumer Issues
Topic: Setting up an investments only PC
Replies: 90
Views: 8048

Re: Setting up an investments only PC

I like the idea of a linux live boot. Always know that you are booting the same thing.
Protecting personal data? Don't store userids, passwords, account numbers on a hard
drive. How difficult - download iso - burn - use. Wow - how exhausting.
by bb
Wed Feb 22, 2012 9:58 pm
Forum: US Chapters
Topic: JACK BOGLE'S MESSAGE TO BH: Two Birthdays!
Replies: 56
Views: 8258

Re: JACK BOGLE'S MESSAGE TO BH: Two Birthdays!

Jack,

It's a thrill to see a post by you. Thank you for the books, the inteviews,and
giving the little guy a shot. Your ability to communicate with such clarity is
a true gift.

Sincerely,

Brian
by bb
Sat Jan 28, 2012 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Hit By Online Banking Hacker - Change Login ID and Passwords
Replies: 74
Views: 8140

Re: Hit By Online Banking Hacker - Change Login ID and Passw

Anybody been using a live linux boot for online banking?
To what extent is that approach still vulnerable?
by bb
Fri Jan 20, 2012 8:33 pm
Forum: Forum Issues and Administration
Topic: Chrome browser fonts
Replies: 10
Views: 1470

Re: Chrome browser fonts

It is not the website - I see the same issues on other websites.

I did notice you can change the default font in chrome - possibly that
might help.
by bb
Fri Jan 20, 2012 8:02 pm
Forum: Forum Issues and Administration
Topic: Chrome browser fonts
Replies: 10
Views: 1470

Re: Chrome browser fonts

Windows XP
IE 8
by bb
Fri Jan 20, 2012 8:43 am
Forum: Forum Issues and Administration
Topic: Chrome browser fonts
Replies: 10
Views: 1470

Re: Chrome browser fonts

I take that back. Overall fonts seem worse in Chrome even at other websites. So IE
has been having poor performance for me hence the reason to try out Chrome - seems
quite a bit faster but the fonts don't seem as good.
by bb
Fri Jan 20, 2012 8:37 am
Forum: Forum Issues and Administration
Topic: Chrome browser fonts
Replies: 10
Views: 1470

Chrome browser fonts

I have been trying out the Chrome browser and so far so good but I noticed the bogleheads.org is not as readable as when using Internet Explorer. Referring to just the bogleheads.org website. When you click through to the actual forum and thread text I think it is the same. With the same size font t...
by bb
Thu Jan 12, 2012 8:49 am
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 64
Views: 9392

Re: Coffee

Starbucks from Sam's Club
Hario Skerton Ceramic Coffee Grinder
French Press
by bb
Tue Dec 06, 2011 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 9651

Re: Owning a used jalopy: Same cost as leasing brand car.

In Internet slang, a troll is someone who posts inflammatory,[2] extraneous, or off-topic messages in an online community, such as an online discussion forum, chat room, or blog, with the primary intent of provoking readers into an emotional response[3] or of otherwise disrupting normal on-topic dis...
by bb
Mon Nov 28, 2011 11:19 pm
Forum: Personal Consumer Issues
Topic: All Clad (Gift for Home Chef)?
Replies: 31
Views: 3333

Re: All Clad (Gift for Home Chef)?

Show on PBS called Americas Test Kitchen has an equipment test segment and
All Clad always seems to come out on top. You could register online for a 14
day free enrollment and read their review of pans. Could also throw in a
1 year subscribtion if he is a fan.
by bb
Wed Nov 09, 2011 11:32 am
Forum: Investing - Theory, News & General
Topic: How a financial planner lost his home
Replies: 203
Views: 18880

Re: How a financial planner lost his home

I generally agree with the tone and message of your post, but can you please explain how "SOCIETY" or taxpayers footed any of Mr. Richards' bills? If a bank loaned him money and then the house sold for less than the value of the loan, then the bank lost money. The bank didn't come to your...
by bb
Sat Oct 22, 2011 6:47 am
Forum: Investing - Theory, News & General
Topic: Bogle: Market About Fairly Valued Today
Replies: 9
Views: 1389

Re: Bogle: Market About Fairly Valued Today

I also noticed Jack mentioned going down on bond quality to get greater yield. Has Jack Bogle often mentioned doing this to increase bond yields? I don't recall him recommending that before. Is over weighting investment grade bonds the same thing as active management when it comes to stocks or is th...