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Re: WSJ Delivery Record - Dismal

The paper used to come around 4:00 or 4:30 AM. I'd get on an early flight and be happy to have the paper for the flight. Now it comes around 8:00 AM, maybe 7:30. I remember 20 years ago when I lived on the West Coast. My NYT would come at midnight or 12:30 AM and I would read the next day's paper be...
by Boglenaut
Thu Mar 26, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 21
Views: 1044

WSJ Delivery Record - Dismal

Anyone else have problems with the print edition of the WSJ? Here is my recent history. For Late, that means it arrived too late in the day for me to read it. Usually, this means I waited until 8:00 AM then finally left the house with no paper for the day. June 19 - Missed July 11 - Late, Delivered ...
by Boglenaut
Thu Mar 26, 2015 8:34 am
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 21
Views: 1044

Re: Hearse as daily driver?

When I was in high school on the debate team, we drove to the competitions in a hearse. It was pretty cool, actually. :twisted:
by Boglenaut
Fri Mar 20, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3571

Re: Overfilled Oil in Car - Cause of Oil Leak?

By the way, I hate working on handyman and automotive problems. To me, they are not fun like investing is.
by Boglenaut
Fri Mar 20, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 33
Views: 2019

Re: Overfilled Oil in Car - Cause of Oil Leak?

Sorry for the long delay in responding. I wanted time to see what happened. So I had the oil changed almost 5 weeks ago. I didn't check it then, but am assuming they were extra careful getting the level right (considering the manager and 3 others were looking at it). I checked the oil today and it i...
by Boglenaut
Fri Mar 20, 2015 11:37 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 33
Views: 2019

Re: Vanguard - The New Bond King - WSJ

gkaplan wrote:
corner559 wrote:Unless you are a WSJ subscriber you can't read the article.


Just Google the title to bypass the WSJ paywall.


I did leave and used Google to get it. Even if I log in and out I still get the same link.

Anyone else want to try it?
by Boglenaut
Tue Mar 17, 2015 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4274

Vanguard - The New Bond King - WSJ

I think this story in tomorrow's WSJ is of interest:

Joshua Barrickman is the opposite of Bill Gross. But his Vanguard index fund is poised to become the biggest bond fund


http://www.wsj.com/articles/meet-the-ne ... 1426616391
by Boglenaut
Tue Mar 17, 2015 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4274

Re: One Level or Two Level House

This may change as we get older, but for now having 2 stories is a real bonus for us. I wonder how many stairs I walked on days I would not have otherwise have exercised. It is small but adds up. Edit: You beat me to it! One advantage of a 2-story house is that climbing stairs strengthens your body,...
by Boglenaut
Tue Mar 17, 2015 4:07 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5542

Re: What does a $1M portfolio look like?

https://vanguardinstitutionalblog.files.wordpress.com/2015/02/revised_final-chart_2-26-15.png?w=688&h=425 [/quote] While I like the point he is trying to make and how he makes it, this particular example simply makes no sense to me at all. The numbers just don't add up correctly. :oops:
by Boglenaut
Sun Mar 15, 2015 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9827

Ohio 529 Changes - More VG, DFA - Less PIMCO, GE

It looks like Ohio's 529 plan may have three positive and one negative changes coming. Of course, we don't know all the details yet. http://www.collegeadvantage.com/blog/blog-detail/blog/2015/03/03/ohio-529-board-approves-investment-changes-in-college-savings-program?PostView=true Positives: Bond Fu...
by Boglenaut
Thu Mar 12, 2015 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Ohio 529 Changes - More VG, DFA - Less PIMCO, GE
Replies: 0
Views: 186

Re: Reducing Costs for Internet Service Provider (ISP)

Outlier. All2Easy dail-up, 56Kbps, $5/mo. That sounds painful. You also need to keep a phone line as well. I am at 15/1 Down/Up, phone US/Canada for $46.31 after all taxes and fees. Need to call and negotiate every year, and have competitor's offers handy. No monthly GB limit...we had a misundersta...
by Boglenaut
Sun Mar 08, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Costs for Internet Service Provider (ISP)
Replies: 10
Views: 1080

Re: I hate the new Vanguard Web navigation!!!

Don't go to Fidelity. Their new changes are awful.
by Boglenaut
Sun Mar 08, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4518

Re: What's with VG Complaints???

You can Google and find complaints about any company. I've had accounts at both Fidelity and Vanguard for years. I have no customer service complaints about either. Fidelity handled some really complicated items from me very well. Vanguard did as well. I am consolidating toward Vanguard, but that do...
by Boglenaut
Sat Mar 07, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3187

Re: What are Costco's best deals?

I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads... They are good (Wild ones) I ate so many of those I cannot eat anymore. I'll let a year go by and try again. On a bun, and Foreman grill, they made a great healthy breakfast.
by Boglenaut
Tue Mar 03, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19895

Gift Ideas for Business Collaborators?

I am starting my own part-time business in the US. I have been working with a Canadian company in a mutually beneficial relationship. Two individuals there have been extremely helpful to me. I'd like to send them a small gift (maybe $100 total for both) just to show appreciation. Any ideas? They are...
by Boglenaut
Sun Mar 01, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for Business Collaborators?
Replies: 1
Views: 150

Re: University of Phoenix

yellowgirl wrote:Would you hire a person that received a BA from University of Phoenix?


I might, but would consider this degree a negative (worse than no degree at all).
by Boglenaut
Sat Feb 21, 2015 7:26 am
 
Forum: Personal Consumer Issues
Topic: University of Phoenix
Replies: 20
Views: 2406

Re: The 8x retirement savings rule

zratis wrote:Recently I got an email from Fidelity about the "8x retirement savings rule", which is basically:

When you’re: Aim to have:
67 years old 8x your salary saved
55 5x
45 3x
35 1x

Is this realistic?


Such rules are totally meaningless and I wish companies would stop promoting them.
by Boglenaut
Thu Feb 19, 2015 10:31 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 8059

Re: Throwing away the key to my accounts (kind of)

Today I am letting my wife change all my passwords on my investment accounts. If this is an account at Vanguard, it is actually against the rules. My wife and I only know our own passwords, not each others'. But we gave each other permission to control both accounts. So I can log on as me and see h...
by Boglenaut
Thu Feb 19, 2015 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Throwing away the key to my accounts (kind of)
Replies: 12
Views: 871

Re: What is your favorite consumer product?

Many store-brand items including: Aldi baked potato chips ($1.49) Walmart's Twist-Up lemon-lime soft drink (84 cents) Walmart's Great Value beans (no sodium versions at cheaper cost and better quality) (68 cents) Netflix streaming Products I loved that are no longer available around me: Kirkland cra...
by Boglenaut
Wed Feb 18, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11210

Overfilled Oil in Car - Cause of Oil Leak?

I have a 2004 Honda Civic with 75,000 miles on it. I have the oil changed every six months. The last time was Oct 1, 2014. Anyway, I noticed a small oil leak of about 1 or 2 drops when I park the car in my garage overnight. I checked the oil and it was overfilled. Note that I never put any oil in th...
by Boglenaut
Sat Feb 14, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 33
Views: 2019

Re: Found $100 Bill at Walmart

Thanks for updating us.

One time I had a $15 pizza delivery bill and accidentally gave the guy a $50 instead of a $20. He came back after 5 minutes and told me the error.

He got a $10 tip and a call to his manager commending him, so we both were happy.

I wish everyone was so honest.
by Boglenaut
Fri Feb 06, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11822

Re: TIAA CREF jump in fees

By the way, I cannot roll this fund over. I have had it 20 years and no matter what they did with fees I was stuck. So at least some good news at last. I'd rather still move it out to Vanguard, but at least it is a bit less painful now.
by Boglenaut
Thu Feb 05, 2015 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF jump in fees
Replies: 11
Views: 1210

Re: TIAA CREF jump in fees

Mine went down a lot. My TIPS fund is going from .405% to .325%.
by Boglenaut
Thu Feb 05, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF jump in fees
Replies: 11
Views: 1210

Re: [Poll] Company & Job Longevity

My first job was with the Federal Government. I do not know if my exact position is still around or not, but I suspect they have one or two engineers still about somewhere.
by Boglenaut
Tue Feb 03, 2015 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Company & Job Longevity
Replies: 24
Views: 1923

Overweighting REIT: Thought Experiment

For years, I kept a very small over-weight on REIT (VGSLX) on the theory that real-estate was under-represented in the public market. But I thought about this more. Most professional sports teams in the US are privately owned. So they are most likely to be under-represented in my portfolio. But I wo...
by Boglenaut
Sun Feb 01, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting REIT: Thought Experiment
Replies: 16
Views: 1861

Re: Vanguard states ERs to 3 places!

Nisiprius,

I think the subject heading of your post is a bit misleading.

I was expecting to see something like TSM ER = 0.047% or .053%. My 401K does that (in some places).

I was all set to start updating my spreadsheet!
by Boglenaut
Sat Jan 03, 2015 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard states ERs to 3 places!
Replies: 25
Views: 2922

Re: I think I just got a $5,000 watch for Christmas

Closure at last!

The earth can now stop spinning in a shallow dark eerie void, and be now filled with happiness and warmth.

Congratulations

(PS - no watch here...no cell phone either.)
by Boglenaut
Thu Dec 25, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 935
Views: 185776

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the heads-up on this. I registered my Costco card by phone last night (did not want to set up yet another online account and password). I went to 3 places on the list today so let's hope all goes smoothly. The last place was a grocery store I usually buy craft beer at but never ever food...
by Boglenaut
Mon Dec 15, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8482

Re: Who Paid for the wedding?

anonforthis wrote:We eloped


Same here. Best way to go! We never regretted it for a second.
by Boglenaut
Sun Dec 07, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6816

Re: Any great YouTube clips (about investing)?

Are those great animations by Boglenaut available? NO, darn it... too bad, those were funny (and true). Oh, I had some account changes on YouTube account and they came down about a year or two ago so I could clean things up. They were no longer getting any hits by then so no one noticed. I still ha...
by Boglenaut
Sun Dec 07, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Any great YouTube clips (about investing)?
Replies: 9
Views: 1251

Re: I need to stop looking at the market everyday!

I check 10 times a day just because I enjoy it. However, I do not take any action unless it triggers a re-balancing threshold.
by Boglenaut
Tue Dec 02, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 36
Views: 3851

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the heads-up on this. I registered my Costco card by phone last night (did not want to set up yet another online account and password). I went to 3 places on the list today so let's hope all goes smoothly. The last place was a grocery store I usually buy craft beer at but never ever food ...
by Boglenaut
Sat Nov 29, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8482

Re: Documentaries to recommend?

The Galapagos Affair: The Unsolved Murder Mystery I watched it on Netflix recently. From NYT: http://www.nytimes.com/2014/04/04/movies/galapagos-affair-historical-documentary-of-island-expats.html?_r=0 The movie focuses on the eccentrics who, beginning in 1929, settled on Floreana, a small, uninhabi...
by Boglenaut
Sat Nov 29, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 128
Views: 15422

Re: Am I being too conservative at 65/35?

I think in your situation, 65/35 is conservative, but if it fits your risk tolerance profile you should stick with it. It is certainly in the "reasonable" range.

Think of it this way: you have over 1.1 MILLION in the stock market!

That's plenty of room for growth.
by Boglenaut
Fri Nov 28, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 24
Views: 4172

Re: Should 529s be counted part of our net worth?

I think technically it should be counted, but we purposefully do not count it as part of the "Magic Number". It's for the kids, not my wife and I. Psychologically, it is not our money.
by Boglenaut
Fri Nov 28, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2623

Re: What percent "Boglehead" are you?

Here are past polls that may be of interest:

viewtopic.php?f=10&t=47294

I also had a poll like this, but could not find it in my search.
by Boglenaut
Mon Nov 24, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10451

Re: Telephone Calls! Help! [Stopping telemarketing calls]

Just an update... I'd say my problem is 85% solved by this. A few rings and most get cut off. Pretty good for a free solution!
by Boglenaut
Mon Nov 24, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9628

Re: Girlfriend with a LOT of Student debt.

So far her philosophy has been to not let the debt ruin her life. She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. This stresses me out. Does she know what it is doing to your life? She does not seem to be in tune with your feel...
by Boglenaut
Mon Nov 24, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13904

Re: Girlfriend with a LOT of Student debt.

I agree with JupiterJones above. How she views debt is as much of her personality as anything else. It's reasonable to consider that in a potential mate just as much as if you had strong opposing religious views, or one was a couch potato homebody and the other was a sky-diving adventure seeker. It ...
by Boglenaut
Mon Nov 24, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13904

Re: BOGLEHEAD CONTEST -- S&P at record high.

cfs wrote:Long way to go

392
cfs
2076.44


I'll be delighted if you win.
by Boglenaut
Wed Oct 15, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3999

Re: BOGLEHEAD CONTEST -- S&P at record high.

I was just thinking how lucky we are my prediction is off. My prediction was the market would dip and we would be lucky to close the year essentially unchanged. Do I lose my prediction certificate? The year is yet young, you could still be right! Unfortunately, the index is at 1856.18 right now, me...
by Boglenaut
Wed Oct 15, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3999

iOS 8 on iPad 2

Just to give everyone a heads up.. I installed iOS 8 on my iPad 2 and now I get multiple apps crashing. My USA Today app crashes 100% of the time now.

I suggest waiting a bit before upgrading.
by Boglenaut
Wed Sep 17, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 2033

Re: Feeling smug until 10 year ROR from Vanguard

Mine shows 12.6% (no time period specified).

I never bothered to check it before given that it is a meaningless number.
by Boglenaut
Sat Sep 13, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 8100

New Roof Needed Soon... Advice?

My house was built in 1995 or 1996 and the original roof is started to show its age. I have one spot that needs repaired every two years or so (including right now). So, I know the day is coming for a full replacement. I live in a Northern US climate. Any general advice? What to expect? Best way to ...
by Boglenaut
Thu Sep 11, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3123

Re: POLL: What was the first stock you ever bought?

I never bought an individual stock.

I did have ETFs VSS, EWC, and VWO at one time, but since have sold them to buy VTIAX once it re-organized and now stick to mutual funds (mostly admiral index funds).
by Boglenaut
Thu Sep 04, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 3108

Re: Why do we tip restaurant servers?

As a customer, I'd rather pay more fixed price and have no tipping (as long as net income to the wait staff remain the same). It's very distracting from an enjoyable evening worrying that I under-tipped or over-tipped. I actually prefer places where you order at a counter so no tipping. I do things ...
by Boglenaut
Fri Aug 22, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2511

Re: Dow Jones Index Fund?

I really wish they would quit reporting the Dow Jones completely... such an inferior index.
by Boglenaut
Tue Aug 19, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 42
Views: 2904

Re: Defining "Stay the Course"

cfs, I like the idea "course correction."

nisiprius, I would be on the second line.
by Boglenaut
Tue Aug 19, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3870

Re: US REITs already have international exposure

US REITs already have international exposure It works the other way around as well. When I researched the international REIT fund, one of the biggest holdings was Westfield, which is an Australian REIT that owned the mall down the street from me. Seemed silly to pay a premium to invest in a mall a ...
by Boglenaut
Tue Aug 19, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1319
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