Search found 226 matches

by GG1273
Thu Apr 15, 2021 4:46 pm
Forum: Investing - Theory, News & General
Topic: How to Compare Active Managed fund to Passive
Replies: 25
Views: 1659

Re: How to Compare Active Managed fund to Passive

The only two of Vanguard's managed funds that I'm aware of that do well against benchmark are PrimeCap and Capital Opportunity but they are managed by PrimeCap. I've had these for a long time (forget how I learned of them) but even closed they are spectacular. Cap Ops outsized returns coming from a ...
by GG1273
Wed Apr 14, 2021 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 94
Views: 8371

Re: How close to retirement age would you start to coast instead of grinding it out?

I haven't coasted (62 now and doing OMY with WFH) but I did make sure I was scheduling vacation time and not carrying over time from year to year (we had an option to do 50% carry over a year). With WFH, a lot of people simply put off taking time off and are now suffering from a lot of burnout. The ...
by GG1273
Tue Apr 13, 2021 6:10 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Nice! One neat thing about the parents is that they will pretend to be injured if you get too close and will sort of limp away from you - you're supposed to be drawn away from the nest to go after the parents. They'll fly off once you move far enough away from the nest. Broken wing display https://...
by GG1273
Tue Apr 13, 2021 6:07 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 82
Views: 4888

Re: Multiple years of expenses in cash when starting retirement

As we earned more, our spending didn't increase so we've been able to accumulate a few years net salary over time.
by GG1273
Tue Apr 13, 2021 5:43 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Killdeer nest from last week. Same place as last year. The nest is out in the open. Mom was nearby and was not happy. When they hatch, they quickly vacate the nest, are only thumb sized, and not discernible in the grass unless they move, then they look like a moving fuzz ball. https://i.postimg.cc/...
by GG1273
Tue Apr 13, 2021 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: events that require unfreezing credit
Replies: 21
Views: 870

Re: events that require unfreezing credit

Buying/leasing a vehicle. Always ask which credit bureau will be checked, and only unfreeze that one. +1 the only downside to this is when they check you out but don't believe the # Happened to us and asked us to unfreeze all three Sales guy said "we don't see Unicorns often so we have to trip...
by GG1273
Tue Apr 13, 2021 3:23 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Lots of Yellow Shafted Flickers showed up yesterday. We usually have a few spend the winter but the rest migrate out of NJ. Park nearby has had a pair of Kestrel's around for a few weeks - fun to watch them hunt in the fields from a tree perch. White Throated Sparrows will move on further north soon...
by GG1273
Mon Apr 12, 2021 6:29 pm
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 18
Views: 1534

Re: Planning to travel to New York.

duplicate
by GG1273
Mon Apr 12, 2021 6:28 pm
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 18
Views: 1534

Re: Planning to travel to New York.

Museums require a reservation but they are not crowded (have been to Met a few times, MOMA, Natural History and Central Park Zoo in the last month or two). I'd expect by June, NYC will be much more open. Deals on hotel rooms will be around for some time. NY got hit hard so people are still taking i...
by GG1273
Mon Apr 12, 2021 6:28 pm
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 18
Views: 1534

Re: Planning to travel to New York.

Museums require a reservation but they are not crowded (have been to Met a few times, MOMA, Natural History and Central Park Zoo in the last month or two). I'd expect by June, NYC will be much more open. Deals on hotel rooms will be around for some time. NY got hit hard so people are still taking i...
by GG1273
Mon Apr 12, 2021 6:26 pm
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 18
Views: 1534

Re: Planning to travel to New York.

Museums require a reservation but they are not crowded (have been to Met a few times, MOMA, Natural History and Central Park Zoo in the last month or two). I'd expect by June, NYC will be much more open. Deals on hotel rooms will be around for some time. NY got hit hard so people are still taking i...
by GG1273
Mon Apr 12, 2021 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice - College selection - Premed
Replies: 51
Views: 2968

Re: Seeking advice - College selection - Premed

Doctor here; Undergrad school makes virtually no difference whatsoever. Choose whichever is cheapest/gives the most merit $$$. Focus on aceing your classes and doing something to be well rounded. That's the common thread that the undergrad school has minimum to no bearing. Going by your user name I...
by GG1273
Sun Apr 11, 2021 6:07 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

Have been hearing some power chords recently & reminded of many years ago
Jethro Tull
https://www.youtube.com/watch?v=N4zPu3ISCGs

Beatles
https://www.youtube.com/watch?v=yYvkICbTZIQ
by GG1273
Sun Apr 11, 2021 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice - College selection - Premed
Replies: 51
Views: 2968

Re: Seeking advice - College selection - Premed

Looks like TCNJ does a 7 year program in conjunction with Rutgers Medical School as a Biology major, medical school would probably be in Newark. Accepts 20 students a year. There is a section about other students deciding to pursue medicine with other institutions students have been accepted to. htt...
by GG1273
Fri Apr 09, 2021 5:19 pm
Forum: Investing - Theory, News & General
Topic: Real Return Fakers & Quitting Investing For Good
Replies: 51
Views: 5259

Re: Real Return Fakers & Quitting Investing For Good

I'll have to dig around for it but remember seeing that 50/50 Wellington / Wellesley returns just over 8% over life of Wellesley which began in 1970
by GG1273
Fri Apr 09, 2021 5:04 pm
Forum: Investing - Theory, News & General
Topic: Real Return Fakers & Quitting Investing For Good
Replies: 51
Views: 5259

Re: Real Return Fakers & Quitting Investing For Good

You'd have to hit it just right (as the gurus say) half of our $2.2 portfolio is in my wife's 403b (all Vanguard funds available) and landed at 11.54% ROI per year for 26 years. Most of that was in the Health Care fund (she's a nurse) so had some familiarity with the stocks they bought. My 401K abou...
by GG1273
Fri Apr 09, 2021 6:00 am
Forum: Personal Consumer Issues
Topic: Definition of one more year (OMY).
Replies: 41
Views: 3757

Re: Definition of one more year (OMY).

I'm two weeks into my OMY! Decision wasn't $ based to stay on it was WFH - I was tired of the office and all things associated with it. But WFH changed that and not being able to really go anywhere was second reason. There is some talk of returning to office in Sept of this year. I want to see what ...
by GG1273
Thu Apr 08, 2021 3:20 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3087

Re: Should I replace 2 or 4 tires?

We've always had Toyotas - well a couple of detours along the way - but in general, I don't like their OEM tires. Bridgestone models Toyota uses usually rate poorly. So we've always gotten a new set almost right away. CPO Camry I bought in 2019 (2016 SE with 17K miles) was in the shop the next day f...
by GG1273
Wed Apr 07, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

I just got done exploring some music from the show, Treme. Became fascinated with "second line" music, also some of the traditions that are being handed down from father to son. On another channel... I have been a longtime fan of Karsh Kale, so created a Pandora station and am looking for...
by GG1273
Wed Apr 07, 2021 3:51 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 88
Views: 30588

Re: How long to turn 1 million to 2 millions for you?

3.6 years
75 / 25 but not much of an international exposure in our portfolio

The first million was 16 years in the making...
by GG1273
Wed Apr 07, 2021 3:11 pm
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1146

Re: Paper check for 401k rollover

I had a 20-year old former job mid-5 figure pension payout done Nov of last year (during the election and vote by mail). I decided to spend the $40 for next day delivery via UPS with tracking and signature verification. The Vanguard mail-to site is in San Antonio. No issues and Vanguard deposited sa...
by GG1273
Wed Apr 07, 2021 2:49 pm
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3296

Re: The best $10,000 to $15,000 vehicle.

Can use autotrader.com to look around, go to advanced search and set the priorities you want, mileage, year, miles from your house, price. Great tool and usually carries a much larger selection than other car sites. I tend to only use Dealers with at least a limited warranty included in the price. A...
by GG1273
Wed Apr 07, 2021 12:19 pm
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2686

Re: Shoe Choice for a Walker

We just switched over to Hoka (SpeedGoat GTX) Awesome and I moved from Brooks to these - you may do better on price, the link is from the source. https://www.hokaoneone.com/mens-trail/speedgoat-4-gore-tex/1106530.html?dwvar_1106530_color=ADGG For trail mid, someone here mentioned OBOZ so I used my R...
by GG1273
Wed Apr 07, 2021 10:39 am
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6278

Re: How much cash do you really hold?

Putting the money in buckets, saying "this $50k is emergency fund, this $10k is vacation fund, this $5k is cash for everyday stuff" is not really separate stuff. In this example, you have $65k in cash. I also consider my $395k of paper savings bonds to be cash because I know first hand th...
by GG1273
Tue Apr 06, 2021 8:31 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

jginseattle wrote: Mon Mar 29, 2021 12:54 am Get Yer Ya-Ya's Out! by The Rolling Stones.
Thanks for the reminder!

Always a pleasure to listen to Mick Taylor (effortless) in his 20's
by GG1273
Tue Apr 06, 2021 8:27 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3481

Re: Duolingo

JerseyJim wrote: Thu Apr 01, 2021 8:49 pm I have been using Babbel in my quest to be able to speak a little Italian. I've had better results than I did with Duolingo.
will check out Babbel - I get some ads for them from time to time :!:
by GG1273
Mon Apr 05, 2021 6:16 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5626

Re: Repair or Replace 2003 Toyota Corolla

I've had Corolla's most of my adult life but generally, I'd get to 110,000 of my miles (150,000 total) and look for a newer one. I find the 4 to 5 year old ones to be negotiable and try to keep the mileage at 60K or less when shopping. I finally traded my 2008 in 2019 for a Camry which I like too b...
by GG1273
Mon Apr 05, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5626

Re: Repair or Replace 2003 Toyota Corolla

I've had Corolla's most of my adult life but generally, I'd get to 110,000 of my miles (150,000 total) and look for a newer one. I find the 4 to 5 year old ones to be negotiable and try to keep the mileage at 60K or less when shopping. I finally traded my 2008 in 2019 for a Camry which I like too bu...
by GG1273
Mon Apr 05, 2021 11:01 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Had a Palm Warbler in the yard today foraging in the leaves that I have to pick up :oops:

https://www.allaboutbirds.org/guide/Palm_Warbler/id

Made a nice contrast with the Slate Colored Juncos who should be heading back to Canada soon.

https://www.allaboutbirds.org/guide/Dark-eyed_Junco/id
by GG1273
Sun Apr 04, 2021 5:52 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

Alvin Lee's The Bluest Blues with George Harrison on Slide Guitar (solo) starts at 2:13; Alvin finished off the song as only he could

https://www.youtube.com/watch?v=3lz3px4dTU8

Alvin's biggest hit
https://www.youtube.com/watch?v=3lz3px4dTU8
by GG1273
Sat Apr 03, 2021 7:18 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

Derek & the Dominos

Live Filmore East
10/1970

https://www.youtube.com/watch?v=Y15yBIE_sDI

version why does love have to be so sad and little wing are stellar
expand the notes on the page and can go directly to those if desired
by GG1273
Sat Apr 03, 2021 6:53 pm
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12627

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

Over the years, we've accumulated a pretty hefty amount in small cap and mid cap indexes (21% of $2 million in 403b and Roths w/Vanguard), so I've been slowly moving some of those excesses to balanced index, Wellington, Wellesey, Growth Index and Total Bond. Sometimes tough to pull the trigger on fu...
by GG1273
Sat Apr 03, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Stopped by NJ's Great Swamp NWR today and got great looks at a pair of Kestrels who've been hanging out over the fields on the entrance road for a few weeks.

Also - full adult Bald Eagle, they nest here as well.

Non-bird, a River Otter was on the bank of one of the ponds this morning...
by GG1273
Sat Apr 03, 2021 6:45 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Not an experienced bird watcher here, but I recently hung a suet cage in my front yard. So far, I've seen downy and red-bellied woodpeckers, red-winged blackbirds, grackles, and a tiny bird that I think is a nuthatch (not sure). Lots of robins hopping around but they don't touch the feeder. White B...
by GG1273
Sat Apr 03, 2021 6:38 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8401

Re: AAA - American Auto Assn - Service has gone way down

I stopped being a member of AAA about 10 years ago. I saw that they were expanding the number of branch offices and occupying space in the more costly RE markets while service got slower. If I just need a jump start or tow, I don't want to pay for the fancy office buildings that serve who knows wha...
by GG1273
Sat Apr 03, 2021 6:37 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8401

Re: AAA - American Auto Assn - Service has gone way down

AAA service is terrible and their car and home insurance rates are very expensive. Switch to Geico for car and home insurance and you will save a lot. Geico also offers roadside assistance with the auto insurance policy. AAA is outdated in every way. Exactly! I don't even know how they stay in busi...
by GG1273
Sat Apr 03, 2021 6:30 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8401

Re: AAA - American Auto Assn - Service has gone way down

PS: Don't get me started on Toyota - where if you lose a key you are dead in the water - you have to bring in the vehicle to a dealer + proof of ownership - to have the key mated to the truck (Land Cruiser) - I'm like - of all the car keys to lose... . Just a suggestion, if buying car at dealership...
by GG1273
Thu Apr 01, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Didn't see Robins this winter - we did have a lot of snow.
Front yard had 14 this morning after rain yesterday - plenty of worms around
by GG1273
Thu Apr 01, 2021 8:01 pm
Forum: Personal Consumer Issues
Topic: American Air ticket refunds?
Replies: 11
Views: 950

Re: American Air ticket refunds?

Had a family medical emergency and had to cancel our planned Spring Break trip. Went through the AA.com web site and filed a refund request. Checked on status and it lists the 1st flight of a total of 4 (1st leaving home, 2nd connecting flight to final destination, 3rd departure flight from destina...
by GG1273
Thu Apr 01, 2021 7:46 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

Sharon Van Etten & Band @ KEXP - Seattle https://www.youtube.com/watch?v=DyJEh8qTvD8 "seventeen" https://www.youtube.com/watch?v=j7sTHoeH0eA tiny desk concerts NPR https://www.youtube.com/watch?v=eztrJeHyP_8 Mentioned Sharon a few days ago and others have brought up Norah Jones... App...
by GG1273
Thu Apr 01, 2021 7:40 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93737

Re: What are you listening to now

I'm about 8 pages behind to catching up with all the postings...! heard this these on the Muzak station in the grocery store yesterday Joy Division https://www.youtube.com/watch?v=fhCLalLXHP4 followed by Winwood in the '80's https://www.youtube.com/watch?v=0j6g_uUhH2c if you get a chance to see Winw...
by GG1273
Thu Apr 01, 2021 7:29 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 175
Views: 35794

Re: Retire with Less Than $1 million?

5.5 years ago our portfolio was $820k Yesterday we passed $2.2 million in net worth without counting our house equity and the urge to retire has become quite strong for me (turned 62 last Friday) Save what you can and be prudent in your investing - but most of all, know yourself and your level of co...
by GG1273
Sun Mar 28, 2021 5:58 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Took a walk at NJ's Great Swamp National Wildlife Refuge yesterday. Pair of American Kestrels were hanging out in the still bare trees. Numerous Eastern Phoebes and a lone Pine Siskin along the road into the swamp. A pair of flyover Sandhill Cranes - magnificent in flight! As others have mentioned -...
by GG1273
Fri Mar 26, 2021 5:13 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47794

Re: Bird watchers – what birds are you seeing?

Ive got some Barred Owls that have moved into the woods behind my house. I saw one up in a tree several nights ago and watched it for a while. I wanted to see it fly off but it waited me out till way past dark. Ive been hearing them at night calling. Its surprisingly loud I can hear it inside with ...
by GG1273
Fri Mar 26, 2021 5:01 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8209

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

In OP's first posting, mentioned that PSU doesn't have a strong alumni network?
Not in this part of the country, though the OSU and PSU guys (along with Rutgers) all have a strong correlation to other grads from their alma maters.
by GG1273
Fri Mar 26, 2021 4:58 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8209

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

In general at Cal the official recommendation has been to go to community college then transfer in as a junior to the program you want if not accepted as a freshman, rather than trying to apply for a less impacted program hoping to transfer in (e.g. L&S to Engineering). Path of supporting trans...
by GG1273
Fri Mar 26, 2021 6:32 am
Forum: Personal Investments
Topic: What is the best bond fund in taxable account for someone in 24% tax bracket?
Replies: 38
Views: 3907

Re: What is the best bond fund in taxable account for someone in 24% tax bracket?

My tax advantage account already has a TDF 2045 and a Small Cap Value Index fund. It isn't completely maxed out each year, but I'm working on it. I put in $150 each paycheck. I also put in 12% of each paycheck in the Arizona State Retirement System, a pension for public employees. That's pretty muc...
by GG1273
Fri Mar 26, 2021 6:13 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10242

Re: Men's Cologne

Husband works in an office and is 52. Wears Green Irish Tweed by Creed, La Nuit, and Legend Spirit by Montblanc. Very nice fragrances with no complaints from coworkers. That's because they're being polite. How much nerve would it take to walk up to someone and tell them, "Your cologne is givin...