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Re: Taylor Larimore Honored

Congratulations Mr. Larimore.
Thank you for being who you are!!
by epictetus
Tue Mar 03, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 55
Views: 3976

Re: Replace or repair dishwasher

I would second the idea of making sure the drain hose from the dishwasher to the disposal is not lying flat. It needs to go up higher than the disposal before it goes into the disposal or otherwise material from the disposal will flow back into the dishwasher.
by epictetus
Sun Mar 01, 2015 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1161

Re: On line product reviews vs Consumers Reports

I also am a very long-time (over 20 years) subscriber and don't make any significant purchases without reading the reviews in Consumer Reports. Like Nisi I also do not like the direction the magazine is going with less pages and less and less data included. I don't think there is a publication compa...
by epictetus
Sat Feb 21, 2015 8:23 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2602

Re: Letters to my Senators/Congressman re Bogle Medal of Fre

if i remember correctly, Obama had investments at Vanguard prior to becoming President. I think he was invested in 2 funds (I think Wellington and something else but I might really be remembering incorrectly on that part).

So that might help re: he might be familiar with Vanguard, Mr. Bogle, etc.
by epictetus
Sat Feb 21, 2015 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Letters to my Senators/Congressman re Bogle Medal of Freedom
Replies: 5
Views: 457

Re: Problems with Internet Explorer

at one point i decided to use IE and Microsoft SEcurity Essentials on my Windows Vista laptop and thought by using all three products from MS that should make things run well. the only time I have ever had a computer crash was when i was using this set up and it happened multiple times. i stopped us...
by epictetus
Sat Feb 21, 2015 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1587

Re: What is your favorite consumer product?

SAS shoes.
they are expensive but last for years and years of daily wear while maintaining their look and comfort. It is the only shoe brand I have used for shoes for work for many years.

And they are made in USA (the SAS stands for San Antonio Shoes)
by epictetus
Wed Feb 18, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9884

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

thanks for that nice summary of the history of the Bogleheads forum. this is an amazing site. i would feel lost without it and read many/most of the postings every day and have done so for years. i am very grateful for those who saw the vision of what this could be and for those who do the daily wor...
by epictetus
Mon Feb 16, 2015 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2424

Re: Portfolio Advice on underperforming Vanguard Allocation

would encourage you to take a look at the posts of the white-coat investor on this site as well as his blog (he is a physician).

also, as a counterbalance to the slice and dice viewpoint, would encourage you to look at the three-fund portfolio often discussed here.
by epictetus
Sun Feb 15, 2015 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on underperforming Vanguard Allocation
Replies: 21
Views: 1361

Re: Consolidate 2 or 3-fund to single fund in taxable

have you considered the Balanced Index Fund or the Tax-Managed Balanced Index Fund as one-fund solutions for your taxable account?
by epictetus
Sun Feb 15, 2015 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Consolidate 2 or 3-fund to single fund in taxable
Replies: 10
Views: 619

Re: Message to New Investors

All I can say is I wish I had done: Total Stock Market Total Bond Market Age in bonds Rebalance yearly from the beginning. I would have saved lots of time, trouble, stress, etc., etc. as well as have made more money using this simple approach than I made using the more complicated approaches I took ...
by epictetus
Sun Feb 08, 2015 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Message to New Investors
Replies: 9
Views: 934

Re: First Time Dog Owners -- Any Regrets?

you might consider watching some Cesar Millan videos on Netflix and/or read a book or two by him to get a sense of dog psychology and how to interact productively with your dog.

we have had dogs for many years and consider them part of our family.
by epictetus
Mon Feb 02, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5937

Re: Bogelheads has made me obsessive about our money

if you can get your investments more on less on autopilot and then leave them alone that would be a lot less stressful. and maybe you have done that and are just checking too frequently. i am still in accumulation mode. i check our balances once a year when i rebalance. this has been very useful for...
by epictetus
Sun Feb 01, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads has made me obsessive about our money
Replies: 41
Views: 5529

Re: Looking for low cost cell phone plans...

we have been using tracfone for years. the phones they offer vary from very basic to smart phones. you get triple minutes with almost all/all the phones now. we buy a 1 year card and that does well for us. is the cheapest cell phone service that i have figured out and it works fine. note to the pers...
by epictetus
Mon Jan 12, 2015 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4089

Re: Why not just follow John Bogle

I think we have to find the approach that fits us best and that we can stick with during good times and bad. I tried many other approaches before I came to my very simple current approach. This very simple approach fits me better, I am much less tempted to tinker with it and I am less stressed about...
by epictetus
Sat Jan 03, 2015 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5973

Re: Am I being too conservative?

sounds like you are in a good place with your allocation. main thing is to find something that fits you and that you will stick with when the going gets rough. Mr. Bogle has talked over time re: using age in bonds as a starting point. You are right there in your allocation. the nice thing about that...
by epictetus
Sat Dec 20, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative?
Replies: 19
Views: 1607

Re: 6 years into career, finally time to address the unavoid

If 60/40 is the allocation that makes sense to you (and that is a perfectly reasonable allocation), you could put Lifestrategy Moderate Growth in all the Vanguard IRAs and then in the 401 do 60% Fidelity Institutional Index and 40% in the Vanguard Bond index fund and you would be set. The IRAs will ...
by epictetus
Sun Dec 14, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4673

Re: Suggested retirement reading for 60 year olds

sounds like the Mike Piper book would be great for them.
it is only 100 pages. and he always does an excellent job.

the other options may be way too long, complex for where your parents are in their interest and in their knowledge base.
by epictetus
Sun Nov 23, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 4968

Re: Paid off our Mortgage this evening!

congratulations!
sounds like with your planning and hard work you are well ahead of the curve on all fronts.
by epictetus
Mon Nov 17, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10611

Re: Vanguard Brokerage or Mutual Funds?

Fidelity has been set up this way for a long time. You have a brokerage account and you can buy what you want to within it: mutual funds, etfs, individual stocks, CDs, etc. If you want mutual funds then you buy the mutual funds. I would encourage you not to be concerned about it. It really makes it ...
by epictetus
Sun Nov 16, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 24
Views: 2280

Re: Rethinking My Asset Allocation

The Little Book of Common Sense Investing by Bogle would be a good place to start some reading and then branch out from there. If you get just a few basics right and avoid major errors you will do well.
by epictetus
Sun Nov 09, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rethinking My Asset Allocation
Replies: 21
Views: 2959

Re: What to Suggest for Inheritance Mom Received

if she is concerned re: investing the money a move to an online savings account, CD, or CD ladder would be a move forward re: gaining some interest. and might be less stressful for her.
by epictetus
Sat Nov 08, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Suggest for Inheritance Mom Received
Replies: 28
Views: 2594

Re: New car - should I pay cash or use credit?

i would want to check into the "adjustable" interest rate details re: how often it adjusts, how high it can go, etc., etc. before going in that direction. also if there are any other costs associated with originating the loan, etc.
by epictetus
Sat Nov 08, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: New car - should I pay cash or use credit?
Replies: 32
Views: 4856

Re: I have seen the enemy and it is me. Reluctance to inves

if you invest 20% in stocks (200,000) and in 6 months you have 100,000 and have lost 100,000 (50% drop) will you be able to do nothing? not sell. not lose sleep. know that that is part of the experience. that to me is a key question for you to consider. you have to find a strategy that fits you. as ...
by epictetus
Thu Nov 06, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3458

Re: I have seen the enemy and it is me. Reluctance to inves

I agree with staythecourse: you don't want to invest in stocks, you don't need to, and you don't have to. your pension and SS will more than enough cover your expenses. i have a feeling that if you invest X% of your assets in stocks and that value goes down by 50% you will be sick and very much regr...
by epictetus
Wed Nov 05, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3458

Re: Please review my strategy (new at investing)

an extra cost to the etf route is the bid/ask spread when buying/selling etfs even if you are buying them commission free. that is something to become familiar with when making the decision on etfs versus mutual funds.
by epictetus
Sat Nov 01, 2014 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review my strategy (new at investing)
Replies: 13
Views: 1476

Re: Help w/ approximating TSM w/ Fidelity 401k

i would just use the S&P 500 index and not worry about it.
by epictetus
Fri Oct 10, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ approximating TSM w/ Fidelity 401k
Replies: 15
Views: 1037

Re: Approximate The Three-Fund Portfolio!

you could just use the institutional index, international index, and bond index and not add the mid and small cap indexes. very high correlation between the S&P 500 index and total market index.

if the total market index was available i would suggest using it.
by epictetus
Sun Oct 05, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximate The Three-Fund Portfolio!
Replies: 10
Views: 1343

Re: fidelity v.s. vanguard

the spartan index funds there will be fine. you can do the advantage class for 2 of the three funds and the investor class for the other.
by epictetus
Wed Oct 01, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1827

Re: Dave Ramsey says asset allocation does not work

NIsi, Thank you very much for the link re: the Babson Boulders! I had tried to research the "stay out of debt" one in the past after you had posted a picture of it but did not have any luck and didn't know enough to be able to search and find anything out about them. It is a very interesti...
by epictetus
Wed Oct 01, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 86
Views: 7813

Re: Car registration & driving across the country

how about renting a car for the cross country drive?
and then buying the new car once you are at the end of the trip?
by epictetus
Sun Sep 21, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Car registration & driving across the country
Replies: 14
Views: 1024

Re: How to add to my portfolio monthly without crazy fees

strongly suggest you listen to Taylor Larimore's input. you can move your IRA to Vanguard and then buy one fund in your IRA. that is all you will need. just add money to it when you can. the fund itself will do all the work for you re: rebalancing, etc. one fund and you're done. it really can be tha...
by epictetus
Sat Sep 20, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 39
Views: 3420

Re: Tour travelling by bus

you might check out Globus tours. we have taken a few of their tours outside the US. Have not taken any of their tours within the US but we were always pleased with our experience with them.
by epictetus
Tue Sep 16, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 2308

Re: Two Fund real Lazy Portfolio?

i also have the 2 fund portfolio: TSM and TBM. the thing it has helped me most with is reducing the temptation to change things around, add more or less of this or that, etc. with the two funds the big issue is deciding on the allocation between the two. beyond that there isn't any tinkering that ca...
by epictetus
Sat Sep 13, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 37
Views: 5013

Re: low expense mobile phone?

we have used Tracfone for many years and it has been fine. is the cheapest option i have figured out in our area for what we need.
by epictetus
Sat Sep 13, 2014 7:12 am
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 17
Views: 1913

Re: Two Fund real Lazy Portfolio?

those are the components of the classic/original John Bogle's suggested portfolio: Total Stock Market and Total Bond Market.

That was also the basis of Scott Burns' original "couch potato" portfolio.
by epictetus
Fri Sep 12, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 37
Views: 5013

Re: Principal Protection

if i recall correctly (and if i don't i'm hoping someone will quickly correct me) what the OP is proposing is similar to what Dr. Bernstein has been saying recently: that once you have saved X amount of expenses then put that amount in something to preserve the spending power of that amount without ...
by epictetus
Sun Sep 07, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2182

Re: Simplifying my portfolio

you are 38 years old with a one year emergency fund, no debt, and $140,000 in investments. I think you are doing better than you think you are. would encourage you not to take more risk that you are comfortable with because you feel behind, feel you need to catch up, etc. That approach tends to back...
by epictetus
Wed Sep 03, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplifying my portfolio
Replies: 6
Views: 785

Re: Help Collecting Useful Threads for A New Boglehead

that still seems like a pretty big list.

have you thought about sending him Bogle's "Little Book of Common Sense Investing"?

Or maybe just one link to a thread from here that talks about BH principles? And then if he is interested he can search the site more on his own.
by epictetus
Mon Aug 25, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Collecting Useful Threads for A New Boglehead
Replies: 13
Views: 768

Re: How to weather market downturn with a high chance of lay

I think an emergency fund that can you get through X months without employment can help a lot re: market downturn with high chance of layoff. if you want to do tactical purchases during extreme times you might try doing that with a certain percentage of your assets (maybe 10%) so that if things don'...
by epictetus
Sat Aug 23, 2014 7:35 am
 
Forum: Investing - Theory, News & General
Topic: How to weather market downturn with a high chance of layoff
Replies: 42
Views: 3916

Re: Would you buy these funds that were recommended?

I am glad that you found this site.
You will be amazed at the helpfulness of the people here.
Would encourage you to take a breath since you just dodged a financial bullet.
ONce you catch your breath you can get here all the help you need in setting up a workable investing plan.
Welcome!!
by epictetus
Mon Aug 18, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1627

Re: Muni bond fund - MUB or ?

that is a very good point re: AMT issue and can see why you would want the fund where that wasn't a problem.
by epictetus
Wed Aug 13, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni bond fund - MUB or ?
Replies: 10
Views: 921

Re: Muni bond fund - MUB or ?

is there some reason you are only considering that Fidelity Muni-bond fund? Fidelity has an intermediate term muni bond fund (FLTMX) that has a 10,000 minimum investment level. they also have other municipal bond funds available I think. just bringing that up in case you weren't aware of other optio...
by epictetus
Wed Aug 13, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni bond fund - MUB or ?
Replies: 10
Views: 921

Re: Liberated from Fidelity PAS at work - now what

if you list the options you have available now you will probably receive more input.
by epictetus
Tue Aug 12, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liberated from Fidelity PAS 401k - now what
Replies: 15
Views: 1563

Re: How important is my insurance agent?

we have been with SF for 29 years. in the first few years we ended up not liking the agent/agency we were dealing with. i called the SF agency we wanted to change to and told them we wanted to change to them. there was a process of some kind we completed to make sure the change was being made becaus...
by epictetus
Mon Aug 11, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2389

Re: What to do with disbursement check?

we have just had a similar odd experience ourselves. my wife changed jobs over a year ago and we transferred all her 403b money into a Rollover IRA around a year ago. the balance in the 403b has been 0.00 for around a year. in the last week we received a statement that she had around $200 in her 403...
by epictetus
Sat Aug 09, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with disbursement check?
Replies: 14
Views: 2005

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

we used 2 inch river rock over landscape fabric around the house with stone borders so that rock does not go out into yard.
we like that size : not too small so that it washes but not too large either.

and once you install it is there. no replacing. no rotting.
by epictetus
Fri Aug 08, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1993

Re: Risk Averse Start

you are way more fortunate that you probably realize that you have landed here at Bogleheads. The people here are world-class and have no agenda other than to be helpful to you. Investing can seem very intimidating (and a lot of people have agendas to make it seem complicated so they can separate yo...
by epictetus
Sat Aug 02, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Averse Start
Replies: 28
Views: 2327

Re: Contribute to 457?

would not contribute to non-governmental 457
would contribute to governmental 457
by epictetus
Tue Jul 29, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute to 457?
Replies: 41
Views: 4502

Re: Helping My Grandmother

this is a very difficult situation. i would suggest at least considering moving the money to an online savings account. she could get .85-.90% interest that way. and maybe consider some CDs. is there any chance she could obtain a part-time job of some sort? it sounds like she is very active. anythin...
by epictetus
Sun Jul 20, 2014 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3444

Re: Income for my 81 Year Old Father

might at least consider moving the money to an online savings account versus having the money earning nothing.

Barclays bank is paying .90%
Discover bank is paying .85%

there are several other online options
by epictetus
Sun Jul 20, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income for my 81 Year Old Father
Replies: 11
Views: 1516
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