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Re: Feel like I made a mistake with buying a house: apprecia

Whether purchasing investments or buying your next house, you should always follow the advice of Will Rogers:

"Don't gamble; take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don't go up, don't buy it."
by FabLab
Tue Apr 28, 2015 3:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 29
Views: 2581

Re: "A TSP Checkup"

Bogleheads: The government Thrift Savings Plan is the largest defined benefit plan in the United States. In my opinion, it is also the best (lowest cost, diversified options, and (relatively) simple to understand and maintain). It is available to most government workers including the military. Morn...
by FabLab
Mon Apr 27, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: "A TSP Checkup"
Replies: 2
Views: 476

Re: What age did your Net Worth first equal 10,000x your Wei

You might want to reach the younger demographic, so how about trying: At what age did your Net Worth first equal 10,000x your body mass index (BMI)?

We folk of a "certain age" otherwise would be too well represented answering your question. :D
by FabLab
Wed Apr 22, 2015 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3183

Re: What Movie Have You Recently Watched?

Birdman, Perhaps I've the only person in America who did not enjoy this one...and I usually enjoy quirky, non-formulaic films...just couldn't get into it and I am even a big Edward Norton fan. Maybe it was too dark, too odd for even me. For those who enjoyed it, would like to know what subtle messa...
by FabLab
Tue Apr 21, 2015 9:08 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 786
Views: 105880

Re: 2 commas and mortgage-free

And last year we hit the 2-comma club (invested assets, excluding house equity). I had a long-term goal to reach these milestones by the time I turned 50, and made it with about 6 months to spare. Feeling much, much better about financial security. Welcome to the club! We've been waiting for you. :...
by FabLab
Wed Apr 08, 2015 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4502

Re: Do you think Ric Edelman is correct, never pay down mort

but that doesn't mean taking on the risk was wrong or irrational. Of course it doesn't mean taking risk was wrong. A person's desired risk level is the fundamental decision an investor makes. High risk isn't financially wrong, low risk isn't financially wrong. Where people go wrong is thinking that...
by FabLab
Wed Apr 08, 2015 6:08 am
 
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 209
Views: 16652

Re: Do you think Ric Edelman is correct, never pay down mort

I think it's a matter of priorities. If you have surplus cash flow and a decent emergency fund then I'd say they should look something like this: 1) Paying down high interest non-mortgage debt 2) Matched tax advantaged investing (like a 401k with company match) 3) Paying down lo...
by FabLab
Mon Apr 06, 2015 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 209
Views: 16652

Re: Another reason why BHs pay off mortgage early?

Pay it off as fast as you can. A"retired" couple near 70 I know just refinanced their mortgage to a new 15 year term. It dictates much of what they can and can't do. It is a retirement boat anchor. How does a retired couple in their 70s qualify for a forward mortgage ? Don't they need to ...
by FabLab
Thu Apr 02, 2015 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 6822

Re: Why Mac only has online version of WillMaker and Turbo T

Why Mac only has online version of Nolo WillMaker and TurboTax? Someone told me because Apple wants to steal your personal data. Isn't it scary if it is true. I think in the future everything will be online because we are going to CLOUD computing. We need new law for this. FredL We dealt with this ...
by FabLab
Wed Apr 01, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Mac only has online version of WillMaker and Turbo Tax?
Replies: 14
Views: 836

Re: Laptop: Windows based vs. Apple

You cannot install TurboTax on Doesn't look correct. TurboTax 2014 for Mac is available from the Apple AppStore. Of course it is available. I've also run TurboTax through the free download program offered to Vanguard's Flagship clients. Additionally, one can purchase the CD version from Amazon (or ...
by FabLab
Sat Mar 21, 2015 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6367

Re: I survived my initial performance improvement mtg. Now w

But the big picture is that it worked. Im still employed. Nothing "worked." You would not have been fired on the spot during a PIP presentation. All this business about documenting every step along the way is a waste of your time and energy--and will prove to be quite stressful for you. U...
by FabLab
Sun Mar 01, 2015 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4663

Re: What Movie Have You Recently Watched?

Birdman

Loved it! My better half's reaction, not so much.
by FabLab
Sun Mar 01, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 786
Views: 105880

Re: Met a Vanguard basher TransAmerica Insurance pusher

So, you've met someone who is more comfortable with your money in his pocket. What else is new?
by FabLab
Mon Feb 02, 2015 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4861

Re: How to respond when someone asks how much money you make

What to answer? Well, there's an old story of two great friends, Jack Lemmon and Walter Matthau. They were on the set and the scene required Matthau to step to the top of a ladder. He fell and came crashing down to the floor. He lay face-up, motionless, with eyes closed. Lemmon was in great distress...
by FabLab
Fri Jan 30, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10734

Re: Mac reliability?

I can only speak from my experience: As I switched to Macs some years ago, I have been very pleased with their reliability, performance, and ease of use. Their technical customer service has been stellar. And, the ones I have used have not been gummed up by the security issues that seemed par for th...
by FabLab
Fri Jan 30, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 4951

Re: What Book Are You Currently Reading? Part VI

The Sportswriter by Richard Ford. A favorite contemporary novelist of mine. Though I've read all the other works in the Bascombe series this, the first, had escaped me. Actually, since it's been around for awhile (1995), the copy in my local library is so crummy I waited until Santa just gave me th...
by FabLab
Thu Jan 15, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 664
Views: 93247

Re: Retirees: Do you work part-time for pay?

Zero interest in work of any sort for pay in retirement. However, I do volunteer at various nonprofits that support my environmental interests.

Still love the reply of former NFL coach Bum Phillips when asked what he does in retirement: "Nothin'. And I don't start doing that until noon."
by FabLab
Thu Jan 15, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 5050

Re: Do you encrypt financial/investment documents on your PC

Yes to encryption, but on external drives. Nothing on PC.
by FabLab
Thu Jan 15, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 2066

Re: What Book Are You Currently Reading? Part VI

Currently reading The Surgeon of Crowthorne by Simon Winchester (1998). It is the story of two men, mainly the title character (I suspect, not having read the whole thing yet). One of the men (Sir James Murray, not the title character) was the primary editor of the Oxford English Dictionary from 18...
by FabLab
Tue Sep 23, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 664
Views: 93247

Re: What Book Are You Currently Reading? Part V

Currently reading A Spy Among Friends: Kim Philby and the Great Betrayal by Ben Macintyre. Where fact becomes more fascinating than fiction.
by FabLab
Wed Sep 10, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Favorite guitarist...

That's easy: Ry Cooder, Leo Kotke, John Fahey!

And, of course, Deep Gap, NC's own: Doc Watson.
by FabLab
Tue Jun 03, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21619

Re: What Book Are You Currently Reading? Part V

Currently re-reading Mere Christianity by C.S. Lewis. Something I like to return to over time.
by FabLab
Tue May 06, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Should I include my pension in my portfolio?

Didn't read a great deal into the thread. But if you have a pension, then the answer to your question IMHO is NO. It becomes, sometime in the future, an income stream. However, if you leave the employer and receive a lump sum distribution with the intention of plowing into your portfolio (AA, etc.),...
by FabLab
Thu Apr 03, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I include my pension in my portfolio?
Replies: 16
Views: 2044

Re: What Book Are You Currently Reading? Part V

I am dropping my other reading for Vassily Aksyonov's The Island of Crimea (1979). It's an alternative history based on an assumption that Crimea is an island rather than a peninsula. This premise would have enabled the retreating White Army to defend Crimea against the Reds in the 1920s, and turn ...
by FabLab
Sat Mar 01, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Rebalancing, AA, and Bonds

BillyG, Let's say I want a balanced portfolio of 50/50 stocks/bonds. (I do and I have.) Well, once I know where I'm going, I'm a big fan of getting there. My total stock market indexes had run up big, and things were out of whack. Not a bad position to be in, of course. So, in the past week or so, I...
by FabLab
Wed Jan 22, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing, AA, and Bonds
Replies: 12
Views: 811

Re: What Book Are You Currently Reading? Part V

Currently reading Surprised by Joy: The Shape of My Early Life by C.S. Lewis.
by FabLab
Thu Jan 02, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Estimating the True Cost of Retirement

EternalOptimist wrote: If I don't spend I don't need money.


This came to me when I was twelve. Then I realized that if I didn't spend another penny, I had all the money I would ever need.
by FabLab
Wed Dec 11, 2013 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Estimating the True Cost of Retirement
Replies: 39
Views: 3882

Re: What Book Are You Currently Reading? Part V

The Lay of the Land by Richard Ford. It's the last of the Bascombe trilogy. Ford is fast becoming one of my favorite contemporary American novelists.

Also have out of the library Pynchon's Bleeding Edge, which I'll get to next.
by FabLab
Fri Nov 22, 2013 12:38 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Recommend a good pair of slippers!

The Gokeys are excellent. Currently, I wear these from LL Bean and have grown to like them: http://www.llbean.com/llb/shop/47870?feat=511927-GN3&page=men-s-double-sole-slippers-bison-leather-lined&attrValue_0=Raisin&productId=825456 I would not, however, wear either canoeing. As someone ...
by FabLab
Fri Nov 22, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 5860

Re: What Book Are You Currently Reading? Part V

Currently reading Canada by Richard Ford.
by FabLab
Fri Jul 26, 2013 10:02 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Modern Portfolio Theory

Staythecourse, Analysis in finance is done on past data because there's no alternative. The important thing is not to take it too seriously, due to the lack of sufficient data and uncertainty whether the data we have is applicable to the future. We only have about three independent data points if w...
by FabLab
Tue Jun 18, 2013 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Modern Portfolio Theory
Replies: 89
Views: 7988

Re: Modern Portfolio Theory

Markowitz on how to apply MPT: Dr. Markowitz first got to choose how to divide his assets between a stock fund and a bond fund not long after publishing his pioneering article "Portfolio Selection" in the prestigious Journal of Finance. Following his own breakthroughs, he should have made...
by FabLab
Sun Jun 16, 2013 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Modern Portfolio Theory
Replies: 89
Views: 7988

Re: Paid off mortgage today

Excellent! Many congrats.
by FabLab
Fri Jun 07, 2013 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 73
Views: 6051

Re: Sell in May and Go Away

Rhyming expressions always provide the soundest investing advice.
by FabLab
Thu Jun 06, 2013 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Sell in May and Go Away
Replies: 17
Views: 1549

Re: The Boglehead Car -- What is It?

On average, Bogleheads are extremely wealthy because of reasonable investing decisions they have made over the course of their lives. A car is not an investment, so The Boglehead Car is something like a Lexus, Porsche, Mercedes, Acura, or Tesla. Exactly! Buy what you can afford and enjoy it. Outsid...
by FabLab
Tue Jun 04, 2013 2:03 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 12131

Re: Has anyone ever heard of the Hindenburg Omen?

Thought astrology was off limits on the forum.
by FabLab
Tue Jun 04, 2013 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone ever heard of the Hindenburg Omen?
Replies: 29
Views: 3316

Re: glide path vs. fixed asset allocation [POLL]

Mid-sixties couple and maintain a 50/50 fixed allocation. Been that way for years, and we have no plans to change it.

When I know where I'm going, I like to get there. So, glide paths don't much interest me.
by FabLab
Thu May 23, 2013 7:22 am
 
Forum: Investing - Theory, News & General
Topic: glide path vs. fixed asset allocation [POLL]
Replies: 35
Views: 2036

Re: What Book Are You Currently Reading? Part V

The Snowman by Jo Nesbo.
by FabLab
Thu May 23, 2013 7:18 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1281397

Re: Using full name for email - bad or good idea?

Using a name that has certain inferences and connotations can be harmful is several ways. "DrunkByNoon@gmail.com", for example, does not present a professional image. By noon? Sounds ambitious. I remember Bum Phillips being asked what he'd do in retirement after years of NFL head coaching...
by FabLab
Thu May 16, 2013 7:42 am
 
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 20
Views: 3613

Re: New editions of 2 Investing Classics

I also see that this summer a new edition of Charles Ellis' Winning The Loser's Game is due out. Each time I read this book I want to stick with a high equity allocation for the long run. These are two excellent books that I think are required reading after the books more commonly discussed here. I...
by FabLab
Sun May 12, 2013 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: New editions of 2 Investing Classics
Replies: 4
Views: 830

Re: Method of Selecting: What Book are you reading now?

My "method" is scattershot. There's so much I want to read. Insufficient time to do it all. I guess I do have an ongoing mental list of next books, then someone on bogleheads goes and asks whether there are any major changes in Rick Ferri's latest version of All About Asset Allocation ... ...
by FabLab
Fri May 10, 2013 8:41 am
 
Forum: Personal Consumer Issues
Topic: Method of Selecting: What Book are you reading now?
Replies: 32
Views: 2954

Re: A good day to take some money off the table

greg24 wrote:Rebalancing when the AFC wins the Super Bowl is also good. Or maybe its the NFC.


My IPS clearly states, here on page 75, to "take some money off the table" when the Eagles win the Super Bowl. Yours doesn't?
by FabLab
Fri May 03, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 8135

Re: Bank mailed me letter, $5 fee starts in June, criminal.

I do think a lot of American consumers grossly over-value their own patronage, and not just as bank depositors. Bingo. All that "the customer is always right" attitude. :sharebeer if you still consider yourself in the right (?). Don't know so much about that, but a sense of perspective on...
by FabLab
Tue Apr 30, 2013 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 7294

Re: Bank mailed me letter, $5 fee starts in June, criminal.

Seems like a lot of hand wringing for naught.
by FabLab
Tue Apr 30, 2013 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 7294

Re: Allan Roth: Fixing [The] Obama's Finances"

If we're correcting the thread title, "the Obama's" is singular. Are we only fixing one Obama's finances, or the whole family's? We could go round and round on this one. My take: the story is based one one tax return that was filed jointly, so that's singular. Also, it's about the family'...
by FabLab
Sat Apr 27, 2013 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth: Fixing [The] Obama's Finances"
Replies: 22
Views: 2557

Re: Anyone selling these days?

But, given the current high levels of the equity markets, and the belief by some that it is over bought ...is there any selling or planned selling occuring out there? I am in the planning stage myself, primarily in my retirement (tax deferred) accounts. The problem is...where does one place their m...
by FabLab
Mon Apr 08, 2013 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone selling these days?
Replies: 33
Views: 2707

Re: Do we have enough to retire?

One of the nuttiest threads I've read on bogleheads. Methinks, somehow, someway, other couples have managed to retire with $3M - $3.5M net worth. A $300K house for this couple amounts to chicken feed. Also, I don't consider annual expenses of $100K - $120K to be a big deal (it's what we run in retir...
by FabLab
Fri Mar 15, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 13798
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