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Re: Favorite guitarist...

I stumbled across this old yet interesting thread. I love the legends, too - Hendrix, Clapton, Stevie Ray Vaughan. After reading through all the posts, I find it hard to believe that nobody (unless I missed it) has mentioned Joey Bonamassa. Any Bonamassa fans out there? He's younger than the rest, b...
by Winthorpe
Tue Jun 03, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21109

Re: Stock Market to Plunge? What a friend said.

I actually knew about the upcoming market plunge almost a year ago, long before your coworker. On Fox news I saw a Goldline commercial, and they showed a clip of an expert saying that we were in the midst of the worst stock market bubble in history (true story). So, I've been sitting on all cash and...
by Winthorpe
Wed May 14, 2014 12:07 am
 
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6164

Re: 2.5 mil to 10 mil - are we on track

You may be right... You may also be wrong... I could be right... I may also be wrong. Like I said I may be wrong... But you may be right. But you may be wrong. Like I said I may be wrong... I guarantee there were people in 1979 who could give reason after reason why the stock market would not do we...
by Winthorpe
Tue May 13, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2.5 mil to 10 mil - are we on track
Replies: 91
Views: 9499

Re: Aquarium Math Question

But we are making the assumption the contaminants do not evaporate and only water evaporates. Your assumption is correct. Evaporation will change your water chemistry over time. Over enough time, the water in the tank can become quite different from your tap water, because only water leaves the tan...
by Winthorpe
Fri May 02, 2014 1:53 am
 
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1103

Re: Why pay off your house?

What avalpert says is what I believe - it comes down to what you would otherwise do with the same money. Assume a 4% mortgage. If your choice is prepaying the mortgage or going on a shopping spree, prepay the mortgage. If your alternative is parking the money in a savings account or CD at today's r...
by Winthorpe
Sun Apr 06, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 9126

Re: Prius performance in extremely hot climates

I have a 2012 Prius V wagon. Average over 40k miles is 53 mpg. I live in Wisconsin and drive from -20F up to 100F. The prius hates cold weather. I do full grill blocking for the winter. Even then, if temp is below -5F I have a difficult time getting better than 35mpg. The reason is that you get your...
by Winthorpe
Sat Mar 22, 2014 2:54 am
 
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 1187

Re: POLL: Investing vs. pay down mortgage feelings

If one accounts for risk in his math calculation (and isn't explicitly making a simultaneous decision to increase risk), he'll generally conclude to pay down the mortgage -- if one doesn't account for risk, he'll generally conclude that investing is what the numbers tell him to do. This is not alwa...
by Winthorpe
Sun Jan 19, 2014 3:54 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3948

Re: Trouble trusting US healthcare

My old dentist was into upselling. I didn't like it, so I switched to a different practice. Now, no upselling I had a similar experience. 1999-2002 I lived down south. Had routine cleanings. DDS would do his exam and each time say everything looks great. No selling. 2002-2006 Moved to Iowa. New DDS...
by Winthorpe
Fri Jan 10, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: Trouble trusting US healthcare
Replies: 70
Views: 3391

Re: How much did your credit card rewards cost you in 2013?

I use a credit card to help me to spend more. It divorces me from the psychologic pain caused by using cash. Chronic oversavers like most Bogleheads sometimes need assistance in spending. Perhaps a bit tongue in cheek, but your assumption that spending more is bad isn't necessarily correct. I save ...
by Winthorpe
Sun Jan 05, 2014 4:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6227

Re: How much did your credit card rewards cost you in 2013?

Wow. I'm just a little surprised that this has been such a polarizing poll. I think Dave Ramsey has convinced many that credit cards are the devil. For most of his following, credit cards are the devil. Then again, the people that hang on his every word are typically unsophisticated types whose fina...
by Winthorpe
Sun Jan 05, 2014 4:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6227

Re: Women Better Investors Than Men?

If my wife were in charge of the finances, we would probably have about $500k in our checking account at this point and that's about it.
by Winthorpe
Tue Dec 24, 2013 2:04 am
 
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 3261

Re: Looking for Boglehead John Edwards

Boy...what a bunch of smart alecks around here. :happy
by Winthorpe
Tue Dec 17, 2013 3:30 am
 
Forum: Investing - Theory, News & General
Topic: Looking for Boglehead John Edwards
Replies: 7
Views: 1573

Re: Best cheap Motel for overnight stay?

Before having kids, my wife and I always stayed at Motel 6. We are both frugal so cheapest was best. A bed, a toilet, and a shower was all we needed. A gang banger party next door was just a free bonus.....Seriously though, our Motel 6 stays were always crime-free. Now with 3 little ones, we go &quo...
by Winthorpe
Tue Dec 17, 2013 3:18 am
 
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 6109

Re: Recommend a good pair of slippers!

As I type I'm wearing a pair of Ugg Scuff Romeos that I bought 7 years ago (only $65 back then). The quality is fantastic. If I don't get bored with them first, I suspect they will last another decade. The bottom is matted down, and has been for years, but they are comfy and cozy as ever. http://www...
by Winthorpe
Sun Nov 24, 2013 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 5236

Re: Getting Married at/after 50

Wow...After reading this thread a bit, I'm thinking that I live a very charmed life. My wife (first and only wife) and I work full-time in the same profession, so we actually do earn the same amount of money. Our pay direct deposits into one checking account and immediately becomes OURS. We discuss...
by Winthorpe
Fri Nov 22, 2013 2:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married at/after 50
Replies: 109
Views: 10268

Re: who here is tempted to pullback on stocks?

I'm not tempted to pullback. Historically, the S&P 500 has been at or near all-time highs more often than not. Think about it that way. I'll be accumulating for at least another 10 years. I'm currently 90:10 stock:bond. It's not nearly as fun buying stock as it was late 2008/early 2009, but I wi...
by Winthorpe
Thu Nov 21, 2013 4:54 am
 
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 8245

Re: Getting Married at/after 50

Wow...After reading this thread a bit, I'm thinking that I live a very charmed life. My wife (first and only wife) and I work full-time in the same profession, so we actually do earn the same amount of money. Our pay direct deposits into one checking account and immediately becomes OURS. We discuss ...
by Winthorpe
Thu Nov 21, 2013 3:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married at/after 50
Replies: 109
Views: 10268

Re: Is It TIme to be Nervous About Municipal Bonds?

All of my bond holdings are in Vanguard municipal bond funds. I wouldn't want to hold individual issues or a fund holding too many low-quality municipal bonds. I like Vanguard's muni funds because they are well-diversified and managed conservatively. I feel confident having a portion of my money inv...
by Winthorpe
Wed Nov 20, 2013 2:39 am
 
Forum: Investing - Theory, News & General
Topic: Is It TIme to be Nervous About Municipal Bonds?
Replies: 25
Views: 2044

Re: The BEST way

davebarnes wrote:http://www.youtube.com/watch?v=-7OgWcwgB50

You won't regret spending 3 minutes of your life listening to this.


Brilliant.
by Winthorpe
Wed Nov 13, 2013 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Call Received with Deceptive Caller ID
Replies: 46
Views: 6307

Re: If want a good laugh watch this video

Wow. That's a great sell-low and buy-high strategy. Why in the world would he put this video out there?! He should try to find a period during which his strategy precluded a large loss and make a video about that. Maybe his strategy hasn't worked yet. I like Warren's advice better....be greedy when ...
by Winthorpe
Wed Nov 13, 2013 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: If want a good laugh watch this [advisor] video
Replies: 41
Views: 4152

Re: I had "that" conversation yesterday with my CEO

indexfundfan wrote:
ssquared87 wrote:What's ER?

Early retirement.


I was wondering why he was expense ratioing.

Anyway, congratulations.
by Winthorpe
Wed Nov 13, 2013 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I had "that" conversation yesterday with my CEO
Replies: 19
Views: 3187

Re: Should I leave my old 401k w/ JP Morgan or move 2 Vangua

I would move to Vanguard.

Exception: If you put $5500 into a Roth IRA via the "backdoor" route, I would leave it be or move to your new 401k (whichever is better).
by Winthorpe
Tue Nov 05, 2013 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I leave my old 401k w/ JP Morgan or move 2 Vanguard?
Replies: 8
Views: 1081

Re: winter wool jacket

For a wool jacket: Giesswein
by Winthorpe
Tue Nov 05, 2013 2:01 am
 
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 3021

Re: Bogleheads' Guide to Retirement Planning, Chapter 10

You are new, so I will both give you a break and some advice. This site is for education. The best way to learn is to read and do the homework, not just sit in class and let the teacher read to you. Obviously, you were reading for yourself. That's good. But way back at the beginning, I asked you ab...
by Winthorpe
Mon Oct 28, 2013 3:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Guide to Retirement Planning, Chapter 10
Replies: 17
Views: 1930

Re: Paul Merriman

Wow!! It's great to see Mr. Merriman posting among the Bogleheads. Truly one of the good guys. Welcome! I have enjoyed the Merriman podcasts for years. With decades of real-world experience he consistently provides Bogleheadish advice to others. He always drives home the importance of diversificatio...
by Winthorpe
Sat Oct 26, 2013 12:58 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman
Replies: 53
Views: 5071

Re: Pete's Wicked Ale

Although I can understand the sentimental attachment, I must agree with the others. There are so many good beers out there, and half the fun is trying them. I've spent the past 3 years searching for the perfect beer only to find to find that it largely depends on my mood and the time of year. Now I ...
by Winthorpe
Tue Oct 22, 2013 12:11 am
 
Forum: Personal Consumer Issues
Topic: Pete's Wicked Ale
Replies: 15
Views: 1862

Re: Norton Internet Security vs Trend Micro Titanium

Norton in the early 2000s (before NIS) was clunky & bloated but it got much better - I used it from about 2006 - 2010 and it was fine. This is true. I have used Norton on and off for about 15 years. Starting about 2007-2008 it was vastly improved, so I have been using it ever since. It has work...
by Winthorpe
Tue Oct 08, 2013 1:44 am
 
Forum: Personal Consumer Issues
Topic: Norton Internet Security vs Trend Micro Titanium
Replies: 18
Views: 3099

Re: Two Comma Club

A few times each year I do a quick net worth calculation. Sometime since July I find that I graduated to the 2 comma club! Nothing fancy. Just aggressive saving, paying off debt (except mortgage), keeping costs super low with index funds/ETFs, and mostly frugal living. My family net worth in 2006 wa...
by Winthorpe
Fri Oct 04, 2013 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 24001

Re: Buying a snowblower online?

I recently purchased a new Honda HS928 track drive online from Wise Sales. I was very nervous about it given their "F" rating from the BBB. However, there eBay store ratings were very high ~99% positive with thousands of sales, so I decided to give it a try. Perhaps they just choose not to...
by Winthorpe
Fri Oct 04, 2013 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying a snowblower online?
Replies: 4
Views: 559

Re: I just don't get this rise in interest rates

It doesn't matter whether the company achieves a powder that turns water into gasoline, a pill that extends life to 300 years, or a version of Windows that doesn't suck , Ok, I'm a big fan of windows, but the underlined part was the highlight of my day. So funny. Thanks nisi for that laugh. Here's ...
by Winthorpe
Fri Sep 06, 2013 1:16 am
 
Forum: Investing - Theory, News & General
Topic: I just don't get this rise in interest rates
Replies: 104
Views: 7174

Re: NOT saving for college

So I don't believe for a second that today's upper middle class parents can't afford to save for college and retirement. I do believe its impossible to save for retirement and college while also eating six meals out per week, driving late model cars, taking vacations to sunny places in the winter, ...
by Winthorpe
Tue Sep 03, 2013 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: NOT saving for college
Replies: 112
Views: 8289

Re: Identity Safe - password manager

However to be clear, all of the cloud based password protection services that I'm familiar with encrypt on the client side using the client's password. Even if someone does hack into the server all they are going to get is a bunch of files, each of them encrypted with a different password. As long ...
by Winthorpe
Wed Aug 21, 2013 3:04 am
 
Forum: Personal Consumer Issues
Topic: Identity Safe - password manager
Replies: 15
Views: 2134

Re: Your biggest work victory?

magician wrote:When I was a warhead designer I was working on a project that was far more complex than anything we'd done before.........


Now that you told us, I hope you don't have to kill us. :confused
by Winthorpe
Tue Aug 20, 2013 3:36 am
 
Forum: Personal Consumer Issues
Topic: Your biggest work victory?
Replies: 53
Views: 5262

Re: Identity Safe - password manager

My critical (Bank, Vanguard, etc.) I enter manually. Huh. My thinking has been just the opposite. I let Identity Safe autofill everything so that should I ever have a keylogger on board, at least my passwords are safe. According to Norton, the vault is encrypted and can only be accessed by someone ...
by Winthorpe
Mon Aug 19, 2013 12:17 am
 
Forum: Personal Consumer Issues
Topic: Identity Safe - password manager
Replies: 15
Views: 2134

Re: Pharmacy as Career Choice

My wife and I are both pharmacists. I am in a chain retail setting. She is at a clinic outpatient pharmacy. I give a BIG +1 to all of those above who have warned about the huge over supply of pharmacists hitting the flood gates. It has already started, but it will get much worse. Keep your daughter ...
by Winthorpe
Sat Aug 17, 2013 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 9893

Re: Possible bullying at work

My vote is.... DO NOT send this letter. I have been navigating corporate bureaucracy/politics at a mega-cap company for over 10 years now. Being good at this seems to be at least as important as general job performance. For those who are well-liked, have a good attitude, and are perceived to have en...
by Winthorpe
Thu May 30, 2013 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Possible bullying at work
Replies: 87
Views: 7710

Re: Possible bullying at work

delete duplicate
by Winthorpe
Thu May 30, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Possible bullying at work
Replies: 87
Views: 7710

Re: Yet another Ameriprise customer... [Wrap acc't, performa

I'm curious why Ameriprise is so successful in getting clients. More reps for face-to-face contacts? Yes. I think this is part of their success. They also recruit clients/victims aggressively. I think the Bogleheads are a very rare breed and that the vast majority of the American public is financia...
by Winthorpe
Fri May 10, 2013 1:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another Ameriprise customer... [Wrap acc't, performance]
Replies: 27
Views: 3255

Re: Yet another Ameriprise customer... [Wrap acc't, performa

I am currently in the process of overseeing the transfer of my parents assets from Ameriprise to Vanguard. We are about half way done at this point. Vanguard was quick once they received the necessary notarized forms. A couple of variable annuities remain. I'll follow-up later with an update on how ...
by Winthorpe
Fri May 10, 2013 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another Ameriprise customer... [Wrap acc't, performance]
Replies: 27
Views: 3255

Re: ING or Ameriprise?

I also vote to AVOID AMERIPRISE !!!
by Winthorpe
Wed May 08, 2013 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: ING or Ameriprise? [for 403(b)]
Replies: 11
Views: 1360

Re: A graphic on the role of bonds

This also supports the views of David Swensen (Unconventional Success) and Larry Swedroe (Only Guide to Winning Bond Strategy) who advocate US treasuries, in part, for this very reason. However, I have never seen this graphically before. Thanks for providing this. It's a good reminder when everyone ...
by Winthorpe
Sun May 05, 2013 1:40 am
 
Forum: Investing - Theory, News & General
Topic: A graphic on the role of bonds
Replies: 51
Views: 5288

Re: Grabiner approaching 10,000 posts

I agree! I try never to miss one of his posts because I always learn something useful.

Always insightful. Always thorough. Always boils the complex down to something simple enough for me to understand.

Never snarky.

Thank you David for all that you contribute!!

Winthorpe
by Winthorpe
Thu May 02, 2013 2:32 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Grabiner approaching 10,000 posts
Replies: 32
Views: 2760

Re: [Poll] How do you fit in this glidepath?

I answered "more aggressive". I am 90% stock at age 45, which is the top boundary of the reasonable range, but I have the risk of a 100% stock portfolio, overweighting small-cap, value, and emerging markets, and losing 60% in 2007-2009 with essentially the same allocation. I'm the same as...
by Winthorpe
Fri Apr 19, 2013 12:19 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How do you fit in this glidepath?
Replies: 51
Views: 3526

Re: [Poll] How do you fit in this glidepath?

Axes are not labelled. What are they? I guess horizontal axes is number of children and vertical axis is percent house value of net worth? I don't understand your proclivity towards snark and how you think it benefits the readership of these pages, but maybe the problem is mine. I had the same prob...
by Winthorpe
Fri Apr 19, 2013 12:15 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How do you fit in this glidepath?
Replies: 51
Views: 3526

Re: [POLL] What would you like Vanguard to change or improve

I would like to have a Vanguard checking account, similar to Schwab's high-yield checking account. Other banking type services? I'm not interested because all I use at any bank/credit union is checking. Not a big deal, but it would be nice for simplicity/consolidation to have more accounts at a sing...
by Winthorpe
Fri Mar 15, 2013 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6966

Re: My wife ruined my stereo speakers.

Unless these are "high-end" speakers, it's quite likely that it would cheaper and easier to simply replace them. I suspect macrwd is probably correct. If these are super high-end speakers, it might also be cheaper to replace the wife before putting the replacement/repaired speakers at risk.
by Winthorpe
Mon Mar 04, 2013 9:42 pm
 
Forum: Personal Consumer Issues
Topic: My wife ruined my stereo speakers.
Replies: 27
Views: 2435

Re: Never Want To Take Out A Loan Again.

Nancylee,

I also think you would benefit in a huge way by doing the Dave Ramsey Total Money Makeover. Go all in, get your husband on board, and you should be able to clean things up. However, once you get to the investing part, leave Dave behind and get much better advice here.

Good luck.
by Winthorpe
Fri Mar 01, 2013 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Never Want To Take Out A Loan Again.
Replies: 110
Views: 7485

Re: Looking for pharmacist jobs with a criminal background

I'm a pharmacist. Throughout most of the country, the job market for pharmacists is pathetic right now. In my area, it's saturated. This will make all the more difficult for your friend. Like another above, I would suggest going rural, to an underserved area. I would also suggest this person focus o...
by Winthorpe
Fri Mar 01, 2013 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for pharmacist jobs with a criminal background
Replies: 28
Views: 3447

Re: Perpetual care of cemetery plot

mephistophles wrote:I think you have a grave concern.


I agree completely.
by Winthorpe
Sun Nov 11, 2012 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Perpetual care of cemetery plot
Replies: 24
Views: 2150

Re: honeymoon recommendation

I vote for Kauai or Maui.
by Winthorpe
Tue Nov 06, 2012 2:07 am
 
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1650
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