Search found 194 matches

by abracadabra11
Sat Apr 25, 2020 10:17 pm
Forum: Personal Investments
Topic: Early retirees who were close - how are you adjusting
Replies: 47
Views: 6876

Re: Early retirees who were close - how are you adjusting

First off, the 4% SWR is for 30 years, so it is not appropriate for someone retiring in their 50s. I would calculate for what is needed above and beyond Social Security at 4% and then add the additional funds that I need to get to SS as a separate line item. 4% withdrawal rate is a great rule thumb...
by abracadabra11
Sat Apr 25, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Intel vs AMD Processor Equivalents
Replies: 28
Views: 2056

Re: Intel vs AMD Processor Equivalents

palaheel wrote: Sat Apr 25, 2020 5:45 am I find toms hardware useful for these types of questions. E.g.

https://www.tomshardware.com/features/amd-vs-intel-cpus
+1

Also see their CPU hierarchy

https://www.tomshardware.com/reviews/cp ... ,4312.html
by abracadabra11
Wed Apr 15, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Finger Lakes wines?
Replies: 8
Views: 536

Re: Finger Lakes wines?

It's been several years since I visited, but I really enjoyed the Rieslings from Hermann J. Wiemer vineyard on Seneca Lake.
by abracadabra11
Sun Apr 12, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment vs. work at Amazon warehouse/CA
Replies: 84
Views: 6179

Re: Unemployment vs. work at Amazon warehouse/CA

This is a simple decision and you shouldn't be discouraged by any guilt that anyone might throw your way related to not working. If she is going to collect more not working than working, then she should obviously forego the position and continue to look for a paying job that improves her future care...
by abracadabra11
Sat Apr 04, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Business Cycle: At least one recession every 10 years
Replies: 56
Views: 3079

Re: Business Cycle: At least one recession every 10 years

It seems that you're using an anomalous and completely unexpected and unprecedented event and somehow attributing that to the idea of a 10-year business/recession cycle. That's just as silly as pointing to the inversion of the yield curve that occurred about a year ago and stating that it was someho...
by abracadabra11
Fri Mar 13, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Still the Right Strategy
Replies: 82
Views: 4962

Re: Lifecycle Investing - Still the Right Strategy

Meh! Doesn’t belong in this forum. There are plenty here that would disagree. Lifecycle investing, though likely not appropriate for many investors (because of the various prerequisites laid out in the book), is worth discussing and considering. The ceiling for most glidepaths has been 100% stock, ...
by abracadabra11
Thu Mar 12, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 7208
Views: 703541

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Less of an Excellent Adventure, more of a Bogus Journey if bonds don't bail out stocks. I don't ascribe to the adventure. It definitely piques my intellectual interests, but like many on this board, I remain on the sidelines and adhere to the prescribed safety of 3-fund portfolios (or similar) and ...
by abracadabra11
Sun Feb 09, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14407

Re: Am I crazy to consider quitting my job?

Consider this, take a chunk of that money you are making and hire some help so that the 2 days you are home are 100% dedicated to kids and volunteering. You may find that all your time dedicated to meal planning and cleaning gets old fast and that you miss using your big words... so I hear :wink: ....
by abracadabra11
Sat Feb 08, 2020 12:16 am
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 117
Views: 7573

Re: The annual "Boglehead considering a country club" thread

I probably had much too rosy of an image of my wife, baby and I just relaxing peacefully there. :) I think most first-time expecting parents have a rosy picture in mind. I know I definitely did :) I feel a bit bad for you as some people are jumping on you a bit. From one side it's "How could y...
by abracadabra11
Sun Feb 02, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Any Dota players on this board?
Replies: 12
Views: 1435

Re: Any Dota players on this board?

I never thought I would see a DOTA thread on this board. Perhaps there's some strange correlation between being a boglehead of a certain age and playing the game. Or perhaps, and more likely, the game is just that popular. To answer your question, yes and like you I have never and will never purchas...
by abracadabra11
Sun Jan 26, 2020 5:05 pm
Forum: Personal Investments
Topic: Military and 22% tax bracket, still favor Roth?
Replies: 32
Views: 2803

Re: Military and 22% tax bracket, still favor Roth?

I don't think you should take it as certainty that tax rates will revert to the previous brackets. Although it is correct that current rates are temporary since the TCJA had a fiscal ceiling that it couldn't breach, it doesn't necessarily mean that future legislation won't maintain current brackets....
by abracadabra11
Tue Dec 31, 2019 5:41 pm
Forum: Investing - Theory, News & General
Topic: Most 2019 S&P 500 forecasts were too low
Replies: 58
Views: 3863

Re: Most 2019 S&P 500 forecasts were too low

The mean estimated closing value was 3,056.25, which was still well below the actual closing value. So much for the wisdom of this crowd. "It's difficult to make predictions, especially about the future." - Danish proverb I actually see this as reinforcing the idea of crowd wisdom. In agg...
by abracadabra11
Tue Dec 24, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: 60/40 allocation criticism
Replies: 60
Views: 10908

Re: 60/40 allocation criticism

Today, Ben Carlson shows the data for using a 60/40 portfolio from a market peak with 3 of the most challenging timeframes. The outcomes speak for themselves. https://awealthofcommonsense.com/2019/04/what-if-you-retire-at-a-stock-market-peak-2/ Dave The article is generally okay, except that it exp...
by abracadabra11
Tue Dec 10, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Military Spouses Residency Relief Act - CA Interpretation
Replies: 10
Views: 393

Re: Military Spouses Residency Relief Act - CA Interpretation

Your workplace is wrong. https://uscode.house.gov/view.xhtml?path=/prelim@title50/chapter50&edition=prelim From 50 USC Ch. 50: SERVICEMEMBERS CIVIL RELIEF: §4001. Residence for tax purposes (a) Residence or domicile (1) In general A servicemember shall neither lose nor acquire a residence or dom...
by abracadabra11
Tue Dec 10, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Question re Ability of ISP to Track Website Visits
Replies: 15
Views: 1198

Re: Question re Ability of ISP to Track Website Visits

Why would this be of concern? If your ISP did this to every subscriber they would need thousands of analysts combing through everyone's data, and for what purpose? They collect, log, package and sell information they know about you. your interests & habits is their product, which they sell for ...
by abracadabra11
Sun Oct 20, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny in Bay Area
Replies: 8
Views: 1591

Re: Nanny in Bay Area

I'll set the math aside, since that's been previously addressed.

I don't understand what would you do on paternity leave if you had a nanny during that time.
by abracadabra11
Wed Sep 04, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1153

Re: Backup Image Encryption and Cloud Storage

Nummerkins wrote: Wed Sep 04, 2019 8:45 am If I'm not mistaken, isn't AES encrpytion built in to Reflect as an option?
Only the paid version.
by abracadabra11
Wed Sep 04, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1153

Re: Backup Image Encryption and Cloud Storage

Doesn't seem like Duplicati would meet your requirement: "Failure that results in OS no-boot precipitating the need for cloud storage restore." From the Duplicati manual: "If you want to be able to restore a complete volume or hard disk, including the boot sector and operating system...
by abracadabra11
Tue Sep 03, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1153

Re: Backup Image Encryption and Cloud Storage

Reporting back for anyone that has interest.

Currently doing a trial with Duplicati and it appears to work well for my purposes.
by abracadabra11
Tue Sep 03, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 3335

Re: Internet security and vpn

I don't think you need it, but have heard Leo Laporte recommend Nord. It happens to be on sale for 9 hours from this post. Nordvpn.com Quick note on Nord 'sale'. They've been doing their best to harness the power of scarcity with these supposed limited sales, when it fact it appears to be a perpetu...
by abracadabra11
Mon Sep 02, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1153

Re: Backup Image Encryption and Cloud Storage

How do you plan to back up the key(s) used to encrypt the data? Likely Boxcryptor. How secure is secure enough? What is the threat you're worried about? AES encryption is secure enough for my purposes. No specific threat - just unauthorized access. Why do you want to use the cloud at all? Best prac...
by abracadabra11
Mon Sep 02, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1153

Backup Image Encryption and Cloud Storage

I'm using Macrium Reflect on Windows 10 Professional to backup my computer and am trying to find a good encryption option that makes for easy recovery both locally and on cloud storage. The scenarios I'm trying to plan for are as follows: 1. Failure that results in OS no-boot precipitating the need ...
by abracadabra11
Sun Aug 25, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 4019

Re: Another car affordability question, YOLO vs. extreme FI

First of all - I love livesoft response. Such a parental view...do the wrong thing and learn accordingly. I’m going to join in the “get a GTI” camp. You can probably get a new GTI S manual for low 20s new with 6 year warranty. Is it the R? No, but it’s an awesome hot hatch that still delivers an ne...
by abracadabra11
Mon Jul 08, 2019 8:16 am
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 4030

Re: Anyone itching to dabble in crypto?

My boss is heavily vested in crypto and he has shared his views and supporting views of other sources with me. I must say, I am half tempted to dabble in crypto, specifically XRP-Ripple. Anyone else doing it? Have you had the "What ifs" like I am? Absolutely not. Don't assume that the exp...
by abracadabra11
Mon Jun 17, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Hiking in Vancouver July 2019
Replies: 5
Views: 628

Re: Hiking in Vancouver July 2019

Black Tusk

Think it's near the upper end of your requirements, but well worth it.
by abracadabra11
Sat Jun 15, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 3283

Re: Best SIM card for travel in Europe?

Thanks to Chip, I went this route and bought the Three UK SIM for my recent trip to Europe. Worked out great and the fact that I could activate and verify in the US was a big plus. I might have saved a few bucks if I bought in my destination city, but having it activated and available on arrival wi...
by abracadabra11
Tue May 28, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Beat the market with lower risk than the market itself (using leveraged ETFs)
Replies: 32
Views: 3583

Re: Beat the market with lower risk than the market itself (using leveraged ETFs)

For as good a job that this forum tends to do on many issues, I think that we seldom talk about risk appropriately and with sufficient detail, especially when presented with non-standard (i.e. non-Boglehead) portfolios. Some BHs are so unwilling to engage in discussions about non-standard portfolios...
by abracadabra11
Sun May 26, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW
Replies: 32
Views: 4762

Re: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW

Are you taking requests for the spreadsheet? If so, can you expand the available retirement age selections to include 40? Abra Cadabra, Can you explain the magic that allowed you to become so highly efficient at what you do to generate so much wealth that you're able to contemplate retirement at ag...
by abracadabra11
Sat May 25, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW
Replies: 32
Views: 4762

Re: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW

Are you taking requests for the spreadsheet?

If so, can you expand the available retirement age selections to include 40?
by abracadabra11
Sun Feb 10, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: Is Index Investing Just Betting on The U.S Economy?
Replies: 46
Views: 6070

Re: Is Index Investing Just Betting on The U.S Economy?

Since most past results seem to focus mostly on the U.S market/ index, which has been the best performing market over the long term , and most strategies seem to advocate continuing to hold majority U.S indexes, is this just betting on the U.S economy on continuing to be the best performing? As we ...
by abracadabra11
Sat Feb 09, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Taxes - Better Off Not Counting Expenses for Rental Property because of QBI?
Replies: 11
Views: 1376

2018 Taxes - Better Off Not Counting Expenses for Rental Property because of QBI?

I've entered the majority of the information needed for my taxes for 2018 and it seems that there's something strange happening this year because of the QBI deduction. When I enter only the income from the property (i.e. not including any expenses such as Advertising, Travel, Cleaning and Maintenanc...
by abracadabra11
Sat Jan 19, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3787

Re: Son moving to Denver from California

Get snow tires. Rubber is more important than anything else.

Can you manage with AWD? Sure. But snow tires are the better option.

https://www.youtube.com/watch?v=mfuE00qdhLA
by abracadabra11
Sat Jan 12, 2019 2:10 pm
Forum: Personal Investments
Topic: Requesting Guidance - 29 y/o military investor
Replies: 20
Views: 2010

Re: Requesting Guidance - 29 y/o military investor

I'll admit ignorance since I'm on the old system and not BRS. But are you sure that you can't max TSP and then get matching contribution above that? My wife's 401k works this way, so we're able to put ~25k/year with the company match. It's a nice expansion of tax deferred space.
by abracadabra11
Mon Sep 24, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 8432

Re: Best way to get $100k cash

Hello, is there any way to get - $100k from like credit card cash advance or some other way - with 0 (or low) fees - with a year of 0% APR. I can pay it off before the 1 year deadline when the 0% APR ends. Basically, I am looking to pay off my 3.625% mortgage balance. Most of my current credit card...
by abracadabra11
Fri Sep 07, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 5112

Re: Encryption Solution: Local + Cloud

Cryptomator user here. I also have Veracrypt but use it primarily for whole disk encryption. The cryptomator desktop application for windows and linux is a bit basic and not particularly well integrated IMO, but its mobile app is great. Very easy to link fingerprint to password/database to get quick...
by abracadabra11
Tue Sep 04, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: First Time Poster: Are Rental Properties Worthwhile?
Replies: 17
Views: 2579

Re: First Time Poster: Are Rental Properties Worthwhile?

jjface wrote: Tue Sep 04, 2018 9:09 am
gmaynardkrebs wrote: Tue Sep 04, 2018 7:49 am I'd keep the one that's paid off, and sell the second, which has a mortgage.
My thoughts exactly. Sounds like you are already set up with the first and it is working out. The second seems like the headache.
+2
by abracadabra11
Thu Aug 23, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 6290

Re: Test your cognitive biases

I got 25-50%. I am not only risk adverse by nature, but I also have no real need to take risk. I have had bad dealings with debt from individuals so that sways me far away from waiting to collect. All of which I believe skewed my answers different than the desired results ("desired" for w...
by abracadabra11
Wed Jul 18, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 6146

Re: Acceptable uses...New Financial Chromebook

Install Linux and then use it as financial only.
by abracadabra11
Sun Jul 15, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1932

Re: Am I dreaming or is there a possibility: Retire at 45?

...I will lean on my financial advisor for solid data & feedback
Recommend you use this board to post additional details about your financial situation and the work performed by your adviser. You may be able to retire more comfortably after reconsidering the nature of this relationship.
by abracadabra11
Sat Jul 07, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 17255

Re: How to "retire" in your 30's article

Mods should just lock this thread.

Nothing actionable at this point and turning into every other forum on the internet with quipping/whining/complaining.
by abracadabra11
Sat Jul 07, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6538

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

These are likely the only services you should have had performed:
tires rotation: $27.95
$49.95 oil change
--> Total $77.90
by abracadabra11
Thu Jul 05, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 17255

Re: How to "retire" in your 30's article

Really surprised by the negativity in this thread.

If there's one bogleism that rises above all - it's LBYMs and save. This guy and his wife did that.
by abracadabra11
Thu Jul 05, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 955

Re: A week in Montreal in August, advice/suggestions?

Recommend a trip to Quebec City. Only ~ 2 hours if I recall correctly and a really terrific place to visit. Went during the winter, so unsure if it becomes overcrowded in the summer.
by abracadabra11
Mon May 07, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 81
Views: 9452

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Surprised by the high bias here.
I would aim for $15-20k.
by abracadabra11
Mon Apr 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 13599

Re: Salary Negotiation gone sour

Typical caveats about hindsight and internet advice apply, but it seems that the company may well have been signaling that their salary ceiling was 85k though flexibility existed on the bonus. Unfortunately, your recruiter appears to have made an error by establishing an artificial anchor that ultim...
by abracadabra11
Tue Feb 27, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 6027

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

If a bogleheads stamp of approval existed, the Moto G5 Plus would be on the list.
by abracadabra11
Sat Feb 03, 2018 7:58 pm
Forum: Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 3808

Re: What Would You Do With $100,000 Right Now

2 nights here: https://www.fourseasons.com/newyork/accommodations/specialty_suites/ty_warner_penthouse/ Money well spent. "Located between Madison Avenue and Park Avenue on Billioinaire's Row" They could at least have spelled Billionaire correctly. 8-) I didn't bother to read anything on ...
by abracadabra11
Sat Jan 13, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3850

Re: Will never not upgrade Business travel again

International airlines/flights, totally different though. Would I pay the extra $5K between economy and business class? I'd probably have to travel economy first on a international flight, but most likely I would probably shell out the extra money. 15-18 hours on a plane not comfortable can drive a...