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Re: Does your ROTH hold risky or stable items?

100% VTIAX in both mine and husband's Backdoor ROTHs. Both of us contribute the max of $6500 annually, but only discovered we could do a ROTH 2 years ago so just a drop in the bucket so far.
by island
Mon Oct 13, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3364

Re: Thoughts on getting out

May I ask, what do you do for a living and what makes it so hellish?
by island
Sun Oct 12, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 4846

Re: Cleaning Up Acorns

Dutch wrote:Acorns?

Image


Filthy tree rat
by island
Fri Oct 10, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2227

Re: Headed for a 300+ point loss today?

DOW on rollercoaster last few days, looks like it's straight down today. Might be headed for a 300 point loss or more unless the dip buyers show up. :shock: :shock: Who cares? If you're in it for the long haul one day or even a few months of down days shouldn't matter. Agree. Find something more us...
by island
Fri Oct 10, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28427

Re: Critically Acclaimed Movies you did not like

The Shawshank Redemption One Flew Over the Cuckoo's Nest No, you've got to be kidding?! +1 Can't be. Two of my favorites of all time! Was the thread title "Critically Acclaimed Movies I did not like" or "Critically Acclaimed Movies you did not like" ? Oh brother, lighten up
by island
Tue Oct 07, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8027

Re: Critically Acclaimed Movies you did not like

Yeah Pulp Fiction wasn't one of my favs either. Although I enjoyed individual performances. Agree, expected more for the hype.
Glengarry Glen Ross. Torture. Great cast and I know it's supposedly about the dialog, but it was all talk and no action. Shut up please!
by island
Tue Oct 07, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8027

Re: Critically Acclaimed Movies you did not like

Ninegrams wrote:The Shawshank Redemption
One Flew Over the Cuckoo's Nest


No, you've got to be kidding?!
by island
Tue Oct 07, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8027

Re: Critically Acclaimed Movies you did not like

Crash
The Hurt Locker
Argo
Shakespeare in Love
Fargo
Woody Allen movies
Easy Rider Agree, a total bore I turned off well before the end.

While not Academy Award caliber, many popular movies I didn't care for. Top of that list: Something About Mary. Lame unfunny waste of time.
by island
Sun Oct 05, 2014 12:55 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8027

Re: [which] toilet paper [from walmart.com?]

Well it's official, the bar can not get any lower.
by island
Sat Sep 27, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 36
Views: 2956

Re: We're all going to die!!!

I should be killed just for opening yet another post like this. :oops:
by island
Thu Sep 25, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4806

Re: When to throw out childhood toys? Encourage me please.

Wow, can't believe your parents kept all that stuff! Whatever we were done wearing or playing with was handed down and/ or given away ASAP so others could use it. Safe to say if that stuff sat in your parents attic for decades without any desire for it it's time to let it go. Give it to the Goodwill...
by island
Sat Sep 20, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2433

Re: Hearing aids - for those that use them

Thank all of you for responding, and especially for the VA tips - and it looks like Costco is a good backup. Yes, I will see an Audiologist. For fun I did take a couple of on line hearing tests. This one http://myhearingtest.net/ seems decent for a rough view. With reference to my hearing at 250 Hz...
by island
Mon Sep 15, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1827

Re: DINK 200K household income - ways to reduce taxable inco

Rainier wrote:Have kids
Donate more
Work less
Take a pay cut
Retire early

Yup that pretty much sums it up. Were in the same boat and it's not a bad place to be. Don't dwell on the taxes; it is what it is.
by island
Sun Sep 14, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3650

Re: How to get a child a different teacher after a bad start

Anyone else experience deja vu? http://www.bogleheads.org/forum/viewtopic.php?f=11&t=121795&p=1784888 This may be a bit controversial, but it seems to me unlikely that a kindergarten teacher is likely to take an immediate dislike to a child absent provocation (unless there are some underlyi...
by island
Sun Sep 14, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2631

Re: Why do so many think their home is a foolproof investmen

Many people say this? Not in my experience. From my personal experience the only people I know who say that are people who haven't saved much elsewhere and it's probably more wishful thinking. And in the past it was friends and neighbors lured by the rising home prices here in S. CA in the early 200...
by island
Sun Sep 14, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6548

Re: Hearing aids - for those that use them

You're essentially asking for medical advice and there's already some inaccurate info posted. You'd be much better off seeking the advice of a professional ; make an appt with a licensed audiologist. Most ENTs don't know anything specific about hearing aids other than to tell you you could benefit f...
by island
Sun Sep 14, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1827

Re: Treadmills

Thanks Island. How is the precor elliptical's leg length stride. Is it comfortable for both males and females, thanks Hmmm good question, but not sure I'm the best judge because I don't use it that much. I can tell you that when I do use it, the stride is not awkward for me. I just prefer the tread...
by island
Sat Sep 13, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3487

Re: Recommended World War I book(s)

To all my colleagues: My thanks for the excellent suggestions so many of you have provided. Ever the Boglehead, I have already borrowed two of the recommended books from our town library. I have at least 6 more I will peruse over the next several weeks (unless "honey-do" projects" im...
by island
Sat Sep 13, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2099

Re: Treadmills

We have a Precor treadmill and elliptical that get heavy use and both have been great, trouble free, worth the cost.
by island
Sat Sep 13, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3487

Re: How would you handle this situation ?

Regardless of what the OP should do or how ridiculous these particular group members are, I am perplexed by the fervent antipathy in this thread toward the very idea of hanging out in a "homogenous cultural group" (not the best terminology, but whatver) even if only occasionally. I immedi...
by island
Fri Sep 12, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2647

Re: Angry when stock market is down

Nope.
Find an asset allocation you're comfortable with and let it ride. If it makes you angry, cranky and edgy I agree you're doing it wrong. Get a hobby to occupy the time you spend counting your virtual assets and watching the minute daily fluctuation of the market.
by island
Fri Sep 12, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4208

Re: How would you handle this situation ?

Thanks all for the support. A few clarifications and answers below: Jez sounds like her social group aspires to be a cult! :twisted: Mandatory fun and socialization is anything but that. Dump them. However, if your wife still thinks these people are worth hanging with and really wants to continue, ...
by island
Fri Sep 12, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2647

Re: How would you handle this situation ?

Jez sounds like her social group aspires to be a cult! :twisted: Mandatory fun and socialization is anything but that. Dump them. However, if your wife still thinks these people are worth hanging with and really wants to continue, then she needs to stand her ground and tell them that she'd like to c...
by island
Fri Sep 12, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2647

Re: Neighborhood kid around 13 throwing rocks at my house

That's really bizarre. You've actually seen him throw the rocks and you're sure he doesn't throw them at anyone elses's house? Are they new neighbors or just a new behavior? Not at all. I think most 13 year old boys go through a rock throwing or slightly rebellious phase about that age. It does not...
by island
Fri Sep 12, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3188

Re: Neighborhood kid around 13 throwing rocks at my house

That's really bizarre. You've actually seen him throw the rocks and you're sure he doesn't throw them at anyone elses's house? Are they new neighbors or just a new behavior? So if you know it's him for sure, just ask him. Introduce yourself, ask him his name and just say Hey I've seen you throwing s...
by island
Fri Sep 12, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3188

Re: Offered Promotion, but longer commute

No way. I'd pass on that horrible commute.
by island
Fri Sep 05, 2014 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 3066

Re: Trip to the Caribbean - Suggestions

OP has narrowed his list to two islands, but has kept the door open for consideration of other Caribbean locales. Of all the locations we've visited (St. John, St. Croix, Thomas, Aruba, Dominica, St. Maarten, Barbados, Cayman Islands, Mexico, BVI, among others), the single most beautiful beach we h...
by island
Tue Sep 02, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2721

Re: Reinvest dividends and capital gains?

DH and I still employed and accumulating. 401K and Roths- reinvest all. In taxable we have a high balance in 6 random American Funds that we bought a long time ago before we knew better. Never touched the account, reinvested all until discovering this site last year. Since don't want to add to our A...
by island
Mon Sep 01, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 3962

Re: Pay off student debt with family inheritance "loan"?

No absolutely not. You know what you're getting into by signing on for those loans and if you don't want to pay back over time like most students or don't think you can swing it on your own without raiding your family's retirement fund then think twice. Also, if you don't have one, consider getting ...
by island
Sun Aug 31, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt with family inheritance "loan"?
Replies: 23
Views: 1528

Re: Trip to the Caribbean - Suggestions

Ahhh Anguilla and Aruba, 2 of my favorites and been to both several times. Anguilla is really laid back, nothing to do except hit the beach which is fine for us, more deserted the better. Fine dining. Not a budget island at all. You'll need a car if you want to get around easily. If you want some va...
by island
Sun Aug 31, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2721

Re: Does your employer still offer pensions to new hires?

I wouldn't limit my search to employers that offer a pension because you can't count on it to continue and probably takes many years of service to add up to anything. I work in healthcare, salaried employee, same company for 30 years and have a pension, but employer is working hard to discontinue (f...
by island
Sun Aug 31, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3928

Re: Costco:is it worth it for just two people?

If you are close enough getting gas there (assuming they have a gas station as not all do) can put you ahead. We don't buy too much (although do indulge in all the free samples :D ). Mostly we buy toilet paper, paper towels and a few other items. It lasts a long time. We often walk in after buying ...
by island
Sat Aug 30, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12352

Re: Good place to buy eyeglasses without insurance?

DH is very happy with his current pair which were purchased at Costco. Had his eye exam with our health plan and took the prescription to Costco. Previously all were purchased thru our health plan's optical dispensing and even with the discounts there, Costco's were still about half the cost with al...
by island
Sat Aug 30, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2672

Re: Costco:is it worth it for just two people?

VictoriaF wrote:
Austintatious wrote:You simply won't find a better canned tuna product around, unless there's some erotic foreign brand that I've not stumbled across.


If you find erotic foreign tuna please let us know.

Victoria


Even erotic domestic tuna would be a find. :D
by island
Sat Aug 30, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12352

Re: Costco:is it worth it for just two people?

DH and I have the Executive membership and it works for us. We get a lot of fresh fruit and veggies there, some meat and fish. Whole cooked chicken. Wine, books, gift certs, occasionally DH will find a pair of shorts or a polo shirt. Some housewares, toiletries. Go to if I need a sheet cake for a pa...
by island
Sat Aug 30, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12352

Re: Anyone used Vanguard Flagship Services With Portfolio $1

Free Turbo Tax is the only service I've taken advantage of so far.
by island
Sat Aug 30, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4407

Re: Sports Motivation Waning

You're retired. Why do you need to get your mojo back? Relax and have fun. You can participate in tennis and other games for the enjoyment of playing even if you don't win. +1 Maybe now that you're retired you're playing more and burned out on same ol' same ol'?? Change it up and try another sport.
by island
Fri Aug 29, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1678

Re: My husband's " WILL", $ left for me to live on....

OP did not contribute at all to her husband's success from his former life. She is nowhere near normal retirement age and isn't working. Why should she expect to retire as a multi-millionaire at the age of 40, 45, etc.? And if her husband dies soon, she will surely remarry and enjoy sharing in her ...
by island
Fri Aug 29, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17865

Re: My husband's " WILL", $ left for me to live on....

Hi. I'm going to lay it out like I see it. I need advice Boy, you sure do. Listen to yourself. ...before I open my mouth... What was your gut reaction? If it said this was unfair and not normal, you are right. Sure he loves you. Many guys would too if they were 67 years old with a 50 year old healt...
by island
Fri Aug 29, 2014 4:05 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17865

Re: Catastrophe Brewing - Longevity

Darn, I thought this was going to be about a brewer called Catastrophe. Love that Longevity pilsner. Funny, so did I. Catastrophe should add an Early Grave IPA to go with that Longevity Pilsner! :beer Microbreweries are a big thing here in San Diego and always get a kick out of the names. Yours wou...
by island
Tue Aug 26, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2533

Re: What are you up YTD?

No idea :) Me either. My 401K has gotten too aggressive, husbands probably too conservative...or maybe not for our age, taxable account is all equity and too much cash. No clue what the overall mishmash is yielding and don't really care, but am trying to figure out what our AA should be. We're a wo...
by island
Tue Aug 26, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11803

Re: California residents - do you have earthquake insurance?

In San Diego. No earthquake insurance. Own home since 88 and a condo for a couple of years before that and never had it. Always heard very expensive and never investigated, but maybe should since some mentioned it's not. I also recall another thread on the subject and was surprised so may Bogleheads...
by island
Tue Aug 26, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3277

Re: S&P500 over 2000

LAlearning wrote:Am I the only one unhappy with this rising market?


Why unhappy? I don't get it.
by island
Tue Aug 26, 2014 12:08 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5521

Re: How to split vacation rental cost

Ok now we're splitting hairs and we know nothing of you and your friends.

So OP, what do THEY think? There must have been some discussion of what it was going to cost them before signing on, yes?
Do tell.
by island
Sun Aug 24, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: How to split vacation rental cost
Replies: 13
Views: 1229

Re: Is it me, or are "collectibles" worthless in 2014?

Baseball cards have really taken a nose dive over the past decade. Many people have thousands of cards from the 1980s and 1990s that are literally worthless. One of my saddest memories of consignment selling is of having to explain to a mother who had been sold "collectible" baseball card...
by island
Sun Aug 24, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6520

Re: Do you take all of your allowed paid vacation time?

Are you kidding? Although I recently retired, I took between 14 and 18 weeks off virtually every year. Never let a vacation day go by. Lots and lots of travel, fishing, bicycling, lots of time with the kids, but sometimes just stuff I liked around the neighborhood. I always kept connected (once con...
by island
Sat Aug 23, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5954

Re: Do you take all of your allowed paid vacation time?

I'm curious, for those of you who don't take your vacation, accumulate the max carryover with the goal of having a store to cash out when you leave, etc, do you have a flexible work day or work from home? Some flexibility to start earlier or later, take a longer lunch if you have to run an errand, l...
by island
Sat Aug 23, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5954

Re: Pay cash for flight on sale, or use FF mileage quandry

I'm just curious, how do you all manage to find seats available with your miles? Seems like the last few years every time we want to use our miles on United or AA there are no seats available unless we want to use even more miles to waive the restriction and that's with planning far in advance. Used...
by island
Sat Aug 23, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2250

Re: Do you take all of your allowed paid vacation time?

Absolutely not. I maintain the maximum PTO allowed. When I leave I will have months and months of PTO paid out to me. Me too. Though I do sell back time off each year which is a nice bonus. Yeah unless your employer changes the rules. That's what happened to my DH. Works for a large company that al...
by island
Sat Aug 23, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5954

Re: someone who claimed at 62 got an 8% increase this year

The primary reason social security retirement benefits go up is that additional earnings are credited to the worker. If a person receives a comparatively large increase due to such a recalculation it is often due to the fact that additional earnings, such as working some or all of the year in which...
by island
Sat Aug 23, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3182
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