Search found 266 matches

by tacster
Sat May 11, 2013 10:08 am
Forum: Investing - Theory, News & General
Topic: Nit-picking DFA's presentation of "diversification"
Replies: 16
Views: 1420

Re: Nit-picking DFA's presentation of "diversification"

Random Musings wrote:Maybe DFA just got a case of the Vapors.

They're turning Japanese
I think they're turning Japanese
I really think so

RM
lol haven't heard that song in ages. Thanks for the memory rush.
by tacster
Sat May 04, 2013 2:08 pm
Forum: Personal Investments
Topic: My life and investing
Replies: 23
Views: 3111

Re: My life and investing

I'm pretty sure I didn't have 100k saved up at age 40 either. I'm now 56 and in good shape to retire next year. Don't worry too much about where you're at right now, just keep investing, gradually increase your savings rate, and don't blow it by trying to time the market. Considering you've only bee...
by tacster
Fri May 03, 2013 7:36 pm
Forum: Investing - Theory, News & General
Topic: POLL: Miss The 4-5 Years?
Replies: 62
Views: 5584

Re: POLL: Miss The 4-5 Years?

In 2008 I had never heard of Jack Bogle, and was 100% S&P 500. The only thing I did right at the time was not bail out, and continue making regular investments. Of course I didn't rebalance since I didn't know what that was and had no bond funds anyway. At some point during that nightmarish time I j...
by tacster
Sat Apr 27, 2013 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Your best financial move
Replies: 98
Views: 10882

Re: Your best financial move

Getting a college education. By far the best return on any investment of my life.

Staying single, and not losing half my net worth in the likely divorce.
by tacster
Sat Apr 27, 2013 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Health Insurance - Federal Employee
Replies: 37
Views: 3145

Re: Retiree Health Insurance - Federal Employee

Unused sick leave is tacked on to the end of your service and is used for computing your FERS annuity, however sick leave cannot be used to extend your service to meet retirement eligibility. You must meet retirement eligibility with active service. Thanks! You have confirmed what I suspected but d...
by tacster
Sat Apr 27, 2013 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Health Insurance - Federal Employee
Replies: 37
Views: 3145

Re: Retiree Health Insurance - Federal Employee

Unused sick leave is tacked on to the end of your service and is used for computing your FERS annuity, however sick leave cannot be used to extend your service to meet retirement eligibility. You must meet retirement eligibility with active service.
by tacster
Fri Apr 26, 2013 9:56 pm
Forum: Personal Investments
Topic: am I safe for retirement
Replies: 15
Views: 2791

Re: am I safe for retirement

I agree with this but it raises the question of instant gratification (ie life experiences in my 20's - which cost money-) or delay gratification (more money in retirement or for an event latter in life). I know I am the only one who can truly decide how much I value each area. Basically my questio...
by tacster
Sun Apr 21, 2013 9:53 am
Forum: Personal Consumer Issues
Topic: Getting lower cable rates by threatening to cancel
Replies: 67
Views: 9610

Re: Getting lower cable rates by threatening to cancel

It worked for me without threatening. I just went into the local cable office in person and asked what they could do to lower my bill. They gave me the best available "new customer" offer they had going at the time, saving around $30/mo (and increasing my broadband speed significantly). That's good ...
by tacster
Fri Apr 12, 2013 8:55 pm
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 11333

Re: Spouse wants to purchase a bicycle for 5000.

As a fellow cyclist, if household can stomach the expense ... GO FOR IT! Equipment costs have risen quite a bit in the last few years. A $2k bike is now $3300+. $5k bike is high end, but not top of the line. Personally, I would love a new bike but can't justify the expense while my current bikes (m...
by tacster
Fri Apr 05, 2013 5:35 pm
Forum: Investing - Theory, News & General
Topic: 30 year bond prices up 2-3% today!!
Replies: 39
Views: 4824

Re: 30 year bond prices up 2-3% today!!

Falco wrote:All the more reason to pick your diversified portfolio and stick to it, regardless. We can look at all sorts of timeframes and scenarios, policy, what happens when rates rise or drop etc. and think we know, but we dont.

:beer
+1 to that (especially the beer!)
by tacster
Mon Apr 01, 2013 7:33 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 6027

Re: Buying a car for my daughter

Isn't insurance kind of high on a BMW for a 16 year old driver?
by tacster
Sun Mar 31, 2013 5:21 pm
Forum: Personal Consumer Issues
Topic: Lawn Mower Fix or New
Replies: 30
Views: 5164

Re: Lawn Mower Fix or New

Another satisfied Toro Recycler owner here. Mine's seen 16 years of hard use and still going strong. Only problem it's had is one time the drive wheels stopped driving. Turns out there's a coupler that attaches the drive wheels to the axle, the coupler was worn and slipping. I don't think it was mor...
by tacster
Sat Mar 30, 2013 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty - Your Thoughts?
Replies: 10
Views: 1387

Re: Home Warranty - Your Thoughts?

When I bought my new-construction house it came with a home warranty, paid for by the builder (no doubt the cost was passed on to me in the sale price). Within a few years the company providing the warranty went belly up. I never got anything out of it.
by tacster
Fri Mar 29, 2013 7:19 pm
Forum: Personal Consumer Issues
Topic: How much to replace a watch battery?
Replies: 59
Views: 90822

Re: How much to replace a watch battery?

Just as another data point regarding solar powered watches, I've owned two Citizen eco-drives for the last few years and never had any problem with either of them holding a charge. They even stay charged throughout the long gloomy winters here, mostly just on office light. One is radio controlled an...
by tacster
Wed Mar 27, 2013 5:50 pm
Forum: Personal Consumer Issues
Topic: How much to replace a watch battery?
Replies: 59
Views: 90822

Re: How much to replace a watch battery?

magicmom wrote:or invest in a kenetic seiko watch. they last forever.
Or a solar powered watch by Citizen (and others).
by tacster
Tue Mar 26, 2013 8:41 pm
Forum: Personal Consumer Issues
Topic: How much to replace a watch battery?
Replies: 59
Views: 90822

Re: How much to replace a watch battery?

Depends on the type of watch too. Some of them are dead easy, others like dive watches require special tools and should be pressure tested after being opened.
by tacster
Mon Mar 25, 2013 7:12 pm
Forum: Personal Consumer Issues
Topic: Things to do in Israel?
Replies: 30
Views: 2505

Re: Things to do in Israel?

Tacster: The price of a private guide is about the same as in Rome-$250-$300 a day for a walking guide. Add $200 a day more if you want an automobile. Israel requires chauffers licenses for anyone driving people and it is a separate license from the tour guide license. If your guide has both, you c...
by tacster
Sun Mar 24, 2013 12:23 pm
Forum: Personal Consumer Issues
Topic: Things to do in Israel?
Replies: 30
Views: 2505

Re: Things to do in Israel?

If you can afford to, consider hiring a private guide for a few of your days. A private guide can get you to four or five times the sites as you will be able to get to on your own-usually without waiting in line. They will provide the historical, political and religious background for every site vi...
by tacster
Fri Mar 22, 2013 9:23 pm
Forum: Investing - Theory, News & General
Topic: Technical and Fundamental analysis
Replies: 14
Views: 900

Re: Technical and Fundamental analysis

You probably already know you won't get much support for those trading schemes on this board.
by tacster
Thu Mar 21, 2013 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for mother considering bankruptcy
Replies: 100
Views: 7078

Re: Advice for mother considering bankruptcy

I thnk the cause of the credit card debt needs to be looked at. Is it because she uses credit cards to subsidize her lifestyle? Or were there one time issues (like high medical bills) that were paid with a cc? If she is still using her cc's to subsidize living beyond her means, then bankruptcy woul...
by tacster
Mon Mar 18, 2013 8:21 pm
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 11370

Re: What % of gross income do you spend on rent/mortgage?

I am surprised and humbled at the same time. Ours, including property tax and insurance is around 20%, which is on the HIGH end here. Up to this point, I felt that we lived well below our means but now I am not so sure. I am really surprised at that large number of people here at only 5-10%. Cosmo ...
by tacster
Mon Mar 18, 2013 7:50 pm
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 11370

Re: What % of gross income do you spend on rent/mortgage?

About 10% of gross including taxes, insurance and a little extra principal. Could just pay it off but with a mortgage of 2.125% I choose to invest.
by tacster
Sun Mar 10, 2013 8:25 pm
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4338

Re: How much of a price do you put on vehicle safety?

Are you prepared to brake all 4 tires independently when other drivers do something stupid or reckless so that you can make a more extreme avoidance maneuver without skidding out of control than you otherwise could without braking all 4 tires independently? Do you even know how to get prepared to d...
by tacster
Sun Mar 10, 2013 4:33 pm
Forum: Personal Consumer Issues
Topic: Scammed [on Craigslist]: I feel like a fool (and dumb)
Replies: 14
Views: 7090

Re: Scammed : I feel like a fool (and dumb)

trudy wrote:
I am not sure paypal is any better. I bought something on ebay a few years ago, never received it, and got no help from paypal.
Paypal also refused to help me with a scam ebay seller, then threatened to close my account when I charged back via my credit card company.
by tacster
Sun Mar 10, 2013 4:24 pm
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4338

Re: How much of a price do you put on vehicle safety?

I was a volunteer Emergency Medical Technician in my hometown, and I have been in several serious accidents (not my fault). It doesn't matter how or where I drive if the other drivers aren't paying attention to safety. I don't think it's worth saving a few pennies driving a smaller or cheaper car -...
by tacster
Sun Mar 10, 2013 10:19 am
Forum: Personal Consumer Issues
Topic: Casual Wardrobe Advice Wanted
Replies: 65
Views: 14256

Re: Casual Wardrobe Advice Wanted

I know the Munchkin Man already bought jeans, but if the Munchkin Man buys more, the jeans from Costco have a coin pocket large enough for a basic cell phone, thereby solving the Munchkin Man's other question about where to carry a cell phone.
by tacster
Sun Mar 10, 2013 9:54 am
Forum: Personal Consumer Issues
Topic: Where And How Do You Carry Your Cell Phone?
Replies: 61
Views: 4770

Re: Where And How Do You Carry Your Cell Phone?

My basic cell phone fits nicely in my pants coin pocket.
by tacster
Tue Feb 26, 2013 7:00 pm
Forum: Personal Investments
Topic: Federal Retirees--Advice on Thrift Please
Replies: 12
Views: 1230

Re: Federal Retirees--Advice on Thrift Please

I'm retiring at the end of this leave year. I plan to transfer my TSP to Vanguard. I'm also retiring at the end of this leave year. I plan to leave all my TSP where it is until I need to start drawing from it 4-5 years from now, at which time I may transfer a portion to Vanguard to provide addition...
by tacster
Sat Feb 23, 2013 12:01 pm
Forum: Investing - Theory, News & General
Topic: So what will people do? [if bond bubble bursts]
Replies: 66
Views: 6341

Re: So what will people do?

I think most people will recognize it as a great buying opportunity and pile into bond funds.


j/k, I suppose a lot of people will bail out as usual during a downturn. I plan to stick with my plan of staying the course.
by tacster
Mon Feb 18, 2013 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 18384

Re: Where were you financially in your late twenties?

In the late 1980's I was in my late 20's, working my way through college without a penny to my name. Zero savings or retirement funds. Now, 25-30 years later I'm almost in position for a comfortable early retirement. The fact that you're even making retirement contributions puts you ahead of me at t...
by tacster
Mon Feb 18, 2013 3:29 pm
Forum: Personal Investments
Topic: TSP Contribution Limit
Replies: 2
Views: 426

Re: TSP Contribution Limit

It does not. The $17,500 is just the max amount you can contribute (unless you're over age 50), matching is on top of that.
by tacster
Sat Feb 16, 2013 10:30 pm
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 32584

Re: What % of your income are you saving for retirement?

For me, it is 30% at age 33. I guess I am quite aggressive....just wondered about others?? Please consider how much current enjoyment you are forgoing in the hope of future enjoyment. My sister lived a pious, frugal, healthy life in the hope of many years' enjoyment of her church, family, and bee-k...
by tacster
Sat Feb 16, 2013 6:28 pm
Forum: Personal Investments
Topic: Contributing enough to TSP to maximize the match.
Replies: 53
Views: 5751

Re: Contributing enough to TSP to maximize the match.

I agree with you David. Although the way the catch-up contributions are actually administered is kind of strange (imagine that, the government doing something in a counterintuitive way ;) ). Rather than just saying that if you are 50 or over, your contribution limit is $22,500 instead of $17,500, t...
by tacster
Thu Feb 07, 2013 7:09 pm
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 32584

Re: What % of your income are you saving for retirement?

Around 45% of gross, not including mortgage, extra mortgage payments, or employer 401k match.
by tacster
Mon Feb 04, 2013 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: early retire--Is it for me?
Replies: 38
Views: 4515

Re: early retire--Is it for me?

Of course, I have plenty of other interests. I do think I will very much enjoy retirement some day. But I don't think it's such the silly question that you imply. But we, like most people, get a lot of value from the work we do--the sense of achievement, the motivation (internal and external) to wo...
by tacster
Sat Jan 26, 2013 11:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1515686

Re: What Book Are You Currently Reading? Part V

"The Grey Seas Under", by Farley Mowat. Great factual story about the operations of a North Atlantic rescue/salvage tug during the 1930's-40's. Hard to imagine what the crewmen endured, working in conditions from gales to hurricanes. Do pick up The Serpent's Coil. Just as good. I think I stayed up ...
by tacster
Fri Jan 25, 2013 9:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1515686

Re: What Book Are You Currently Reading? Part V

"The Grey Seas Under", by Farley Mowat. Great factual story about the operations of a North Atlantic rescue/salvage tug during the 1930's-40's. Hard to imagine what the crewmen endured, working in conditions from gales to hurricanes.
by tacster
Mon Jan 21, 2013 4:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone else holding Wellington/Wellesley in taxable?
Replies: 19
Views: 4072

Re: Anyone else holding Wellington/Wellesley in taxable?

Yes I have some Wellesley in taxable, distributions reinvested. I'm one year away from retirement at which time I will start collecting the distributions as part of my overall income stream, so I don't feel too bad about the current tax hit. Not sure I'd feel the same if I had 10-15 years left until...
by tacster
Sun Oct 21, 2012 4:12 pm
Forum: Personal Investments
Topic: A case of the disappearing Roth
Replies: 11
Views: 1830

Re: A case of the disappearing Roth

There is a page to select which funds you want listed. Do you have your Roth selected? Same thing happened to me as the OP. I went into "Balances & Holdings", then "Customize this page", and found my Roth IRA was unchecked. I re-checked it, and then it showed up again on the My Accounts Overview pa...
by tacster
Mon Sep 17, 2012 9:57 pm
Forum: Investing - Theory, News & General
Topic: Simple question re bond fund income
Replies: 34
Views: 2010

Re: Simple question re bond fund income

I wanted to say thanks to everyone who responded here. It's been an informative discussion. As an aside, my complete retirement portfolio will consist of a few stock funds, an inflation-protection component in the form of the G Fund, and the intermediate bond fund mentioned in my original post. A pe...
by tacster
Sun Sep 16, 2012 2:31 pm
Forum: Investing - Theory, News & General
Topic: Simple question re bond fund income
Replies: 34
Views: 2010

Re: Simple question re bond fund income

Thank you for the responses. Just for clarity, here's the scenario I'm thinking of: I plan to retire holding $XX,XXX in Vanguard Intermediate Term Bond Fund (VBILX). I will neither buy nor sell any shares during retirement. I will collect all dividends to provide a retirement income stream. So, if (...
by tacster
Sun Sep 16, 2012 12:53 pm
Forum: Investing - Theory, News & General
Topic: Simple question re bond fund income
Replies: 34
Views: 2010

Simple question re bond fund income

Simple question for the knowledgeable folks here regarding income from bond funds. For the last few years I've seen much angst expressed over the prospect of rising interest rates causing losses in bond funds. I understand that the price of bond fund shares is inversely related to interest rates - i...
by tacster
Sat Aug 11, 2012 6:47 pm
Forum: Personal Consumer Issues
Topic: Seattle vacation ideas - hotels
Replies: 23
Views: 4657

Re: Seattle vacation ideas - hotels

Just another suggestion, you might consider staying in Bremerton and "commuting" to Seattle via ferry. Bremerton itself is not terribly interesting, but it has some newer hotels very near or right next to the ferry terminal. From there it's a scenic one hour boat ride right to the downtown Seattle w...
by tacster
Sun Jun 17, 2012 10:51 am
Forum: Personal Consumer Issues
Topic: Bogleheads with expensive hobbies
Replies: 57
Views: 6727

Re: Bogleheads with expensive hobbies

There's something to be said for setting your goals. If your goal is to save 20% of your income, then you should spend the rest. How you do it is up to you. But you certainly don't need to save 40% of your income to retire comfortably unless you have a burning desire to retire really early. In whic...
by tacster
Fri May 25, 2012 7:52 pm
Forum: Personal Consumer Issues
Topic: Weber Grill and Consumer Reports
Replies: 44
Views: 8557

Re: Weber Grill and Consumer Reports

Consumer Report is not a good source for any recommendations. I've come to the same conclusion. IMO the only thing CR is really good for is auto repair history data, since that's provided by the users. I disagree, I find CR has quirky valuations that do not always align with mine, but overall they ...
by tacster
Fri May 25, 2012 10:13 am
Forum: Personal Consumer Issues
Topic: [looking for consumer products] that truly last...
Replies: 56
Views: 6614

Re: [looking for consumer products] that truly last...

The problem with these recommendations for things that last is that in most cases, the poster bought the item a number of years ago, and THAT is the one that has lasted--but is the quality of the replacement the same? A simple examination and comparison often shows that alas, it is not. That does i...
by tacster
Fri May 25, 2012 9:59 am
Forum: Personal Consumer Issues
Topic: Weber Grill and Consumer Reports
Replies: 44
Views: 8557

Re: Weber Grill and Consumer Reports

bengal22 wrote:Consumer Report is not a good source for any recommendations.
I've come to the same conclusion. IMO the only thing CR is really good for is auto repair history data, since that's provided by the users.
by tacster
Wed May 23, 2012 10:10 pm
Forum: Personal Consumer Issues
Topic: [looking for consumer products] that truly last...
Replies: 56
Views: 6614

Re: [looking for consumer products] that truly last...

Toro lawnmowers truly last. Mine is on its 18th year of hard use, and still starts on the second pull. Quality piece of equipment.

Gotta disagree on the Mac's. My Macbook's CD drive crapped out within a couple years of purchase and very little use. Disappointing.