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Re: What actions to take in a stock market crash?

It's not just theoretical - lots of us went through the crash of 2008. I TLH'd in October, rebalanced, then got another TLH when I moved back to my original funds in March. Once you've go through it and seen it work it is much easier to have confidence that you can stay the course in the future. In ...
by epilnk
Mon Aug 04, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5369

Re: Who else hates choosing a car?

Hate choosing a car. Hate it. None is ever exactly what I want - I'd happily pay extra to get exactly what I want but it never seems to exist. I posted a question on bogleheads about choosing a new car, saying I'd decided to replace mine. FIVE YEARS LATER I finally replaced it and I'm still not enti...
by epilnk
Fri Jul 18, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6566

Re: Wife has no retirement options- is breadwinner

We have had limited access to tax sheltered savings over most of our earnings careers. I had a 401k for a grand total of 4 years, no match; my husband has had a 401k for maybe 10 years but only got his first match recently, after turning 50. We have an IRA each (actually mine has my former 401k roll...
by epilnk
Thu Jul 17, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3362

Re: POLL: Walmart vs Amazon

I try to shop prudently. I buy locally when I can, because I value the financial health of my community. I am willing to pay a bit more to patronize a locally owned store, but our town isn't large so I often end up at Target, which has the largest selection of everyday items. Amazon fills pretty muc...
by epilnk
Thu Jul 17, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8465

Re: Home Purchase

Is this a common recommendation here at bogleheads? (25% of Net pay for PITI). I ask because in my state, based on this principal, you literally couldn't buy a house even with an above median income salary. Houses that are 600-800 sq/ft and dump holes sell for over $100k. 25% of net pay for PITI so...
by epilnk
Thu Jul 17, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Purchase
Replies: 14
Views: 1626

Re: Paperwhite for Cloudy-Day Reading

I have an original kindle and my younger son has a paperwhite 2. (The latter originally purchased with the intention of installing a dyslexia font, which used to be possible until Amazon closed the hole that allowed that hack, but I digress.) I'm looking forward to an improved screen for my fading o...
by epilnk
Wed Jul 16, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1845

Re: High end purses

"Not everyone who buys something expensive is doing so to impress others, although that myth is frequently repeated on this board." I agree that it's a myth, but only those who buy expensive things for enjoyment will ever understand. I've had nice collector cars I never talk about in the ...
by epilnk
Tue Jul 15, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12342

Re: The Risk of Short-term Bond Funds

So to keep your portifilo "safe" should one stick with short term or perhaps TBM and TIPS? If so what ratio should you have? Short bonds are safer in the short term (lower risk of loss). Longer bonds are safer in the longer term (lower risk of erosion of purchasing potential). So you must...
by epilnk
Sat Jul 05, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10783

Re: POLL: Are You Re-Balancing?

New money contributions all go to bonds and have for a long time now. Dividend distributions have been redirected toward the munis. That has been enough to keep the portfolio where I want it.
by epilnk
Fri Jul 04, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5020

Re: The Risk of Short-term Bond Funds

The difference is that we expect high risk for the stock portion of our portfolio. Bonds are for safety. For some people, sure; but if this is not in fact why you buy bonds it doesn't apply. I consider bonds saf er , not safe. I expect the stock portion of my portfolio to go up and down. I expect t...
by epilnk
Fri Jul 04, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10783

Re: The Risk of Short-term Bond Funds

So to keep your portifilo "safe" should one stick with short term or perhaps TBM and TIPS? If so what ratio should you have? Short bonds are safer in the short term (lower risk of loss). Longer bonds are safer in the longer term (lower risk of erosion of purchasing potential). So you must...
by epilnk
Fri Jul 04, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10783

Re: The Risk of Short-term Bond Funds

Isn't it advantageous to own more than one bond fund so one can balance (or tilt) the bond holdings among different funds with differeing duration and credit worthiness? You still end up with a single average duration - an average of averages comes down to one number. In theory I would like to sele...
by epilnk
Thu Jul 03, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10783

Re: The Risk of Short-term Bond Funds

I've been very happy with the rewards from term risk and credit risk over the last five years, but I don't view these results as predictive of the future. Swenson argues (persuasively, to my mind) for taking corporate risk in equities rather than corporate bonds. It's hard to argue that the past fe...
by epilnk
Thu Jul 03, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10783

Re: The Risk of Short-term Bond Funds

Did you miss returns from intermediate-term bond funds because you sat in a short-term bond fund waiting for interest rates to rise? Well, no, actually; I continued to add to my holdings in long munis, along with intermediate, because my ISP specifies a longer duration and we aren't close to retire...
by epilnk
Wed Jul 02, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10783

Re: Getting toddler to brush their teeth

Let her do her own, but at the end you get to "check" to get the spots she missed. Then see something and take a very quick swipe over the spots you know she doesn't really hit. Make sure you "see" less on days when she appears to be taking more time and trying to hit the spots s...
by epilnk
Wed Jul 02, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2451

Re: Personal Life subforum?

I've always wished for such a forum. All the discussions I find interesting end up locked before I get a chance to participate. :( And then my favorite bogleheads sign off and don't return.
by epilnk
Thu Jun 19, 2014 11:07 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4922

Re: Buying a new mattress and bedding

I'm worried about the fire retardant chemicals that all mattresses are treated with these days. Is there a way to get around that? I'm with you! Some bedding material does not require a fire retardant. Wool is one. And I believe that latex is naturally fire-retardant and does not require chemicals....
by epilnk
Thu Jun 19, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 36
Views: 2810

Re: Lost a lot in stocks and starting fresh: Please Help

OP, I would not be proud of this. It's great that you've reduced your credit card debt, so you can pat yourself on the back for that, but you are ignoring the priorities. I would say that in the absence of an emergency fund, contributing anything at all to a no-match 401k is irresponsible. You are i...
by epilnk
Tue Jun 17, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 90
Views: 12142

Re: pick up double major or finish college in 3 years?

My experience in startups was that we tended to hire people who had facets over people who had only one dimension to their training and experience. There were two reasons behind it: the first was that it was a good way to acquire a larger diversity of experience than a small company would otherwise...
by epilnk
Mon Jun 16, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: pick up double major or finish college in 3 years?
Replies: 103
Views: 4393

Re: Buying a new mattress and bedding

We recently bought all new mattresses for our home, so I have some experience in this regards. By recently, I mean 20 years ago. All the mattresses are just like new. In fact, I cannot figure out how a mattress would ever wear out, but I know they can be damaged by fire and water leaking through yo...
by epilnk
Mon Jun 16, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 36
Views: 2810

Re: Need advice on whether to sell house or stay put

I've done this long enough to know that after 7 years of no major repair items on HVAC, plumbing, or appliances put you on borrowed time before something breaks. Then I don't agree that you build good houses. The house I live in is 20 years old, and while we replaced the kitchen appliances when we ...
by epilnk
Fri Jun 06, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on whether to sell house or stay put
Replies: 19
Views: 943

Re: Poll: Luxury and Happiness

interesting art pieces that we pick up on our trips. It reminds us of the trip and are good heirlooms for kids and grandkids. Oh, please, I beg of you, rethink this! My inlaws will need to downsize in the next few years, and their almost 4000 sq ft house is packed with art acquired from their trave...
by epilnk
Fri Jun 06, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8533

Re: Commute to elementary school [French language spoken]

I'm wondering how your children will learn to read and write in English if all their classes would be in french at the private school. That's the easy part. My kids' school had english class for 4 hrs a week starting midway through second grade. The one without a reading disability was fully caught...
by epilnk
Fri Jun 06, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 2808

Re: SACRAMENTO, CA AREA BOGLEHEADS

I'm here, but I'm not clear on what the purpose of meeting would be since I use a "set it and forget it" portfolio, with emphasis on the "forget it". Do you have a vision of what a local chapter might do?
by epilnk
Thu Jun 05, 2014 9:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SACRAMENTO, CA AREA BOGLEHEADS
Replies: 16
Views: 3066

Re: Using TurboTax on Apple Mac PCs

I am a 30 year Mac user, but at the moment we are a mostly PC household since that is what my husband's employer supplies and also what the kids use at school. So we have a desktop and a laptop both running win 7, and I am the defacto household admin since I'm the one dealing with homework. I have t...
by epilnk
Thu Jun 05, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Using TurboTax on Apple Mac PCs
Replies: 21
Views: 1087

Re: Poll: Luxury and Happiness

One thing I have found is that as you get older and the fires don't burn as brightly the luxuries are more meaningful because they bring physical relief. Has it made me happier? I was pretty happy when I was a grad student. So was I. But as mentioned upthread, hedonic adaptation keeps that from bei...
by epilnk
Thu Jun 05, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8533

Re: Using TurboTax on Apple Mac PCs

TurboTax is originally a Mac program; it was called MacInTax before Intuit took it over. I've been using it on a Mac for about 20 years.
by epilnk
Tue Jun 03, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Using TurboTax on Apple Mac PCs
Replies: 21
Views: 1087

Re: Bonds - Throw it all on the table!!!

Bond strategy: throw up hands, keep buying. Bonds belong in tax deferred. We don't have much (late bloomers with no 401k access most of our lives). And what we do have keeps changing, as jobs change and employers change plans and then are acquired so everything changes again. I had half of our bonds...
by epilnk
Fri May 30, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14948

Re: Recommended Parenting Books

And Kohn contradicts himself. For instance, here's a quote from him: To be sure, there are times when our evaluations are appropriate and our guidance is necessary -- especially with toddlers and preschoolers. http://www.alfiekohn.org/parenting/gj.htm So Kohn thinks evaluations and guidance are nec...
by epilnk
Fri May 30, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2166

Re: Commute to elementary school

The kids would leave at 7am and be back home by 4:45pm. Moving closer to the school could eventually be an option, although we purchased our home just a little over 2 yrs ago and enjoy our neighborhood. The catch is other than the 1 day that I would teach at the French school, I nor my husband, wou...
by epilnk
Fri May 30, 2014 1:48 am
 
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 2808

Re: Youtude videos on economics for my son to watch

My 11 year old is crazy for TED talks, and there are some wonderful economics lectures in there. Lively, engaging, and thought provoking. While Khan academy is good, it isn't as much fun - I prefer to set the hook first, so he's eager to fill in the rest.
by epilnk
Sat May 24, 2014 12:34 am
 
Forum: Personal Consumer Issues
Topic: Youtude videos on economics for my son to watch
Replies: 11
Views: 785

Re: California Intermed Term vs Limited Term Tax Ex

We don't have much tax protected space so most of our bond money is split between CA long and CA intermed. CA long is not much higher duration than the intermediate. Nearly 2 years ago I had a lump sum to deposit toward bonds (with the current bull run I haven't bought stocks in a long time); I was ...
by epilnk
Fri May 23, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: California Intermed Term vs Limited Term Tax Ex
Replies: 8
Views: 677

Re: Recommended Parenting Books

I'm pleasantly surprised to see such a large fraction of bogleheads recommending Unconditional Parenting/Alfie Kohn. I don't find Kohn very popular on parenting boards because frustrated parents wail, "but she's screaming/biting/rebelling noooow, what do I dooooo????" and Kohn is notably s...
by epilnk
Fri May 23, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2166

Re: declining job due to travel

1) How does your wife feel about single parenting 1 week every 3 months? 2) Would you be able to take a few extra days at home after each trip to spend with your family? My husband traveled about this much when our kids were about this age, mostly CA to Europe. It's not really much strain on the fam...
by epilnk
Thu May 22, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 9765

Re: Recommended Parenting Books

I've read tons of parenting books. I would recommend one general birth to three book just to sit on the shelf, to consult when you're worried in the middle of the night and need a reality check or something to benchmark against. I don't remember which one I liked best - Penelope Leach, maybe. Both B...
by epilnk
Mon May 19, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2166

Re: What is the best all-inclusive resort you have ever visi

We have been to multiple luxury AI's in Jamaica and Mexico, and the most luxurious has been Iberostar Grand Hotel Paraiso in Playa del Carmen. When we did the research, it was the highest-rated AI on Tripadvisor. http://www.thegrandcollection.com/en/hotels/riviera-maya/iberostar-grand-hotel-paraiso...
by epilnk
Sun May 11, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5441

Re: Pay a higher mortgage to get house you want?

Interesting thread. We are in the same predicament with a starter home for our growing family. We struggle with spending an extra 25-50k so we get something we can stay in long-term. Interested to hear other's comments. Transactional costs are steep; you lose somewhere in the neighborhood of 10% of...
by epilnk
Sun May 11, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 2002

Re: What it’s like be 100 years old

I don't think I have to worry. Dying young in my family is the norm. My dad died at 52, my two Uncles at 50. That seems to be the number. I turn 50 next month. Come to think of it, why do I even bother saving for retirement. I do it for my wife and daughter and hopefully I'll escape the fate and ma...
by epilnk
Thu May 08, 2014 1:10 am
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6063

Re: What it’s like be 100 years old

For example, there is a large difference between the percentages of Centenarians and Baby Boomers who have enjoyed their 40s. Assuming that Centenarians had their children at an earlier age than Baby boomers, by the age of 40, most of them would have been mostly finished with child raising chores a...
by epilnk
Tue May 06, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6063

Re: Pay a higher mortgage to get house you want?

Well it certainly makes more sense than buying a house you don't want. Assuming you can afford it, of course. If you can't comfortably afford it the question should not have come up. If there is no house you want that you can afford, rent.
by epilnk
Tue May 06, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 2002

Re: Did you tell anyone you paid off your mortgage?

I told my husband. He earned the money so I figured he had the right to know.
by epilnk
Wed Apr 30, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12397

Re: Hit your #, Still want to work, does your savings % chan

I retired at 40 and our lifestyle has not really changed in the years since I retired. Once my son is through college then maybe we will spend more than we do, but I am not so sure that we could simply ramp up spending. My wife and I are frugal by nature and expensive cars, etc do not really mean a...
by epilnk
Tue Apr 22, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5275

Re: Hit your #, Still want to work, does your savings % chan

I have not per se hit my number, but I have cut back on work. I will save less as a result. Kids are 11, 12 now. In a few years they may not want to spend so much time with us. In 6-7 years, they will be gone to college. Kinda a sweet spot now in terms of the kids. No matter how much I would have s...
by epilnk
Tue Apr 22, 2014 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5275

Re: Hit your #, Still want to work, does your savings % chan

Leeraar wrote:There are two kinds of retirement books: Investing, and what to do with your life. Get some of the latter.


Any recommendations?
by epilnk
Tue Apr 22, 2014 2:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5275

Re: POLL: why carry cash?

I have kids. Preteens. I keep cash in my wallet at all times. I am a walking wallet in a cash economy. Most of my own purchases are credit card, maybe debit if it is a local business I trust. I hate that visa is taking a cut from my every purchase. It's a huge hidden drain on the economy. But I have...
by epilnk
Mon Apr 21, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13612

Re: Buying mattress online. Please help

I don't think I would be comfortable buying a mattress online. (Pun intended! LOL) Seriously, it's where you sleep, like every night. Sleep is critical for you to be alert. How can you be successful if you can't stay awake. If you are can't stay awake you will be poor because you will not perform w...
by epilnk
Fri Apr 18, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 2199

Re: Most solid small car

I am surprised at people recommending Mercedes and Audi as most solid small car. I would suggest Honda Fit. I have never driven or even ridden in a German car, but hey generally are poorly rated for reliability in Consumer Reports auto issue, which is the bible. At least that is my recollection. Th...
by epilnk
Fri Apr 18, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 3636

Re: California Taxes - Am I Missing Something?

For IT related professionals, I understand that CA is the best state to work in. For outdoor enthusiasts, CA is nice. But is there any other cities/states with similarly nice weather all year round? For those who are neither IT related professionals nor outdoor enthusiasts, why do you live in CA? B...
by epilnk
Wed Apr 09, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10751

Re: Best ways to show daily news to 9 year old

NPR for sure. So many reasons, but the chief advantages are: 1. No visuals. Keeps them focused on the content without distracting imagery, and reduces the emotional impact of potentially upsetting content. 2. As every parent knows, conversations in the car are better than conversations anywhere else...
by epilnk
Fri Apr 04, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 2206

Re: Pay Off Mortgage

A lot of people are citing a wonderful, fabulous, magical feeling as one of the benefits of paying the mortgage early. Which is great if that is the kind of person you are. I did not think I would experience that feeling of relief and freedom. Turns out I was right. No magical feelings occurred. Pay...
by epilnk
Fri Apr 04, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4046
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