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Re: What Movie Have You Recently Watched?

thenextguy wrote:
Whoa, whoa, whoa! Spoiler alert!
I was gonna watch that tonight! :oops:

I know!! I was going to watch Titanic but somebody told me the ship sinks, is that true? :mrgreen:
by meowcat
Tue Feb 10, 2015 10:39 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70195

Re: "What My Daughter Learned From the Stock-Market Crash"

nedsaid wrote:
My suspicion is that Rick was a good dad and let his daughter keep her stock profits. But it did teach a valuable lesson to not panic in bad markets.


Of course he did. You may recall from the article that his Daughter didn't take the deal. :happy
by meowcat
Tue Feb 10, 2015 7:57 am
 
Forum: Investing - Theory, News & General
Topic: "What My Daughter Learned From the Stock-Market Crash"
Replies: 13
Views: 3432

Re: Fear and investing

It helps to have an intimate understanding of the fact that if you're going to invest hard earned money and have any hope of growth beyond inflation, you are going to have to risk losing huge sums of value from time to time. There is no way around that. Invest smart, avoid the fear, (noise) and you'...
by meowcat
Fri Feb 06, 2015 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Fear and investing
Replies: 12
Views: 759

Re: Keurig-cup coffee makers - why?

Also, I think your $ numbers are off. I can get Starbucks k-cups for < $0.40/cup. Green Mountain, Timothy's or other slightly less premium k-cups for $0.30-0.35 per. You can also buy the really cheap coffee kcups for less, but I don't. You can also grind your own beans and put them in a special, re...
by meowcat
Tue Feb 03, 2015 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 120
Views: 9233

Re: What exactly is "wealthy?"

That said, anyone bringing in, say, quintuple the median is definitely wealthy by incone measures, and has little excuse for not being wealthy by resource standards if that income stream holds up. Someone with a comfy six figure salary can all look at billionaires and feel poor, and can claim that ...
by meowcat
Tue Feb 03, 2015 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4038

Re: High Expense Funds vs Vanguard: No Difference?

Consider that even to achieve the same return as a lower cost fund, the active manager will have to take more risk to make up for the fee. I don't see that as desirable because I am gaining nothing from this extra risk. Agreed, but i am not sure the extent to which this harms you. $25,000 invested ...
by meowcat
Thu Jan 29, 2015 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2737

Re: High Expense Funds vs Vanguard: No Difference?

It's been researched to death. Read the Power of Passive Investing by Rick Ferri.
Fact: At 1%, you'll be eating fewer tacos in retirement.
by meowcat
Thu Jan 29, 2015 10:47 am
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2737

Re: High Expense Funds vs Vanguard: No Difference?

Now stretch your six years out to 60 years. (a lifetime of investing) Now compare the costs to Vanguard over the same time period. The difference could possibly be millions. That *was* your money, now it's theirs.
by meowcat
Thu Jan 29, 2015 7:14 am
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2737

Re: Is there a name for this kind of toilet ?

We have them here, at work. Flushmate.
by meowcat
Wed Jan 28, 2015 9:32 am
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1252

Re: The Biggest Risk

Being in 100% equities at 51. It's worked out great, no regrets.
by meowcat
Wed Jan 28, 2015 7:51 am
 
Forum: Investing - Theory, News & General
Topic: The Biggest Risk
Replies: 18
Views: 1998

Re: Do you reject mutual funds if assets grow too large?

A few articles I've read recently make mention of mutual funds getting too big, from an AUM "assets under management" perspective. But they never really quantify it, and only give vague reasons why it would affect performance. Google "asset bloat". The answers are far from vague...
by meowcat
Wed Jan 28, 2015 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Do you reject mutual funds if assets grow too large?
Replies: 4
Views: 660

Re: data mining vs. historical performance

Data mining is the process of finding patterns in data - any data set. What's inherently wrong with that? When you use it to exploit your point, manipulate actual returns, or sell products, it's just wrong. Data mining (cherry picking) :happy is used for the primary purposes of manipulation, you do...
by meowcat
Wed Jan 28, 2015 7:36 am
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1647

Re: Expense ratio of individual stocks at Vanguard

I agree with the other posters. Judging by the OP's original post in this thread it's clear that he/she should not be making his/her own investment decisions. OP, you need to know what a stock is. You need to know what a fund is. You need to know what a bond is. Without a basic understanding of any ...
by meowcat
Wed Jan 28, 2015 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of individual stocks at Vanguard
Replies: 16
Views: 1275

Re: What counts as "saving"?

In my opinion, the answer couldn't be simpler. If you're not spending it, you're saving it, whether it's invested or not.
by meowcat
Tue Jan 20, 2015 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6884

Re: POLL: Homeowners Ins cost $/month per $100k home value?

tigermilk wrote:Well off the charts for coastal Texas. My county borders the Gulf of Mexico, and because of that my rates go up even though I'm 50-60 miles to the coast. $150/month per $100k. I pay $3500 on a $192k property.

Me, too. $150/month. I live in south Florida.
by meowcat
Wed Jan 14, 2015 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3238

Re: Poll: Do you ask questions at company 401(k) meetings?

I have had one-on-one's with our administrator. I usually try to be very clear about expenses. Like most advisers, their goal is to kind of "blow you off'". I wouldn't rest so easily. He finally got a clue as to my style of low cost investing and why. He finally says "listen, I get wh...
by meowcat
Fri Dec 05, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1812

Re: Personal Finance Counselor

Thanks.
I'm looking for a CPFC (Certified Personal Finance Counselor). She doesn't need investing or planning advice.
by meowcat
Mon Dec 01, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Counselor
Replies: 5
Views: 634

Re: Personal Finance Counselor

This is for someone else. She has no desire to do her own research. What I tell her, she doesn't believe. She may be willing to listen to someone else. I believe I can sway her to seek counseling. She doesn't understand the concept of spending less than you earn and she thinks that, since I'm not a ...
by meowcat
Mon Dec 01, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Counselor
Replies: 5
Views: 634

Personal Finance Counselor

Does anyone know where one might go to find a Personal Finance Counselor? Not a Credit Counselor or Debt Counselor, but someone who specializes in personal finance. The only thing I can find on the internet is how to become one.
by meowcat
Mon Dec 01, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Counselor
Replies: 5
Views: 634

Re: Ashley Furniture

You won't find much real wood, there.
by meowcat
Wed Nov 05, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3864

Re: Esurance?

Keep in mind that coverage isn't the only thing to think about when shopping for insurance. Regardless of the coverage required, there are good insurance companies and there are bad insurance companies. The good ones will pay the repair facility whatever amount it takes to repair your car correctly...
by meowcat
Tue Nov 04, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 15
Views: 1710

Re: fleeced by an adviser, is there a recourse?

This is an excellent suggestion. We have nutrition labels on every food package sold in the U.S. Surely, it's easier to have some forms with the adviser's fees. Taking this idea one step further, there should be comparison services of different advisers' fees just as we have sites that compare annu...
by meowcat
Fri Oct 31, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9842

Re: First investment strategy meeting with new FA, $6M trust

jbrinker wrote: I have known this guy for years.

Be very, very careful with this. This is what gets investors in trouble every time. "My financial adviser would never do that to me". It's funny, they all end up saying the same thing. "I can't believe my financial adviser did that to me".
by meowcat
Fri Oct 17, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 5065

Re: What happened to the audiophile?[High quality music sour

An original master recording of Pink Floyd's Dark Side of the Moon on vinyl played on a high end two channel system simply cannot be replicated digitally, period. Audiophile, here, 35 years.
by meowcat
Thu Oct 16, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 4182

Re: Why are 401k plans expensive?

Too many hands in the cookie jar.
by meowcat
Thu Oct 16, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3277

Re: Leaving a legacy

The issue is simple, really. If you really want to make sure your kids are taken care of, there's no problem with you leaving them your estate. Just do it prudently with a scheduled payout with stipulations. 1. No lump sum payout 2. They must remain gainfully employed 3. They must save a minimum of ...
by meowcat
Fri Oct 03, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a legacy
Replies: 63
Views: 4503

Re: Going forward

Hello all! I questioned him more about the fees and investment strategy, and he said that over the long run these funds have done better than the vanguard style of passive investing despite what the studies show and that even with the fees, he would "blow them (passively managed) out of the wa...
by meowcat
Wed Sep 24, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going forward
Replies: 7
Views: 888

Re: Anyone have a house with a pool?

We live in the Fort Lauderdale area where it's difficult to buy or sell a house without a pool. A pool is almost mandatory, here. There is no opening or closing of pools, here, so the pump runs about 8 hours a day, year round. Our 15,000 gallon pool costs us about $40 in electricity a month. Our poo...
by meowcat
Thu Sep 11, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2598

Re: Weather

Hurricanes Not for me better than earthquakes. :happy We live in Coral Springs, Fl, which is pretty much nowhere near the coast. We pay about $1,000/month just for property tax and insurance. We've been in the 2,500 square foot house since 2001. If you live anywhere east of I-95 your insurance will...
by meowcat
Wed Sep 10, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 889

Re: How much value can an advisor add for the average invest

HardKnocker wrote:
meowcat wrote:If you searched and searched and couldn't find anyone that would wash your car for less than $5,000 wouldn't you just learn how to do it yourself?


Some people would just drive around in a dirty car. :wink:
Yup, that would be a very large part of the population that has no savings.
by meowcat
Wed Sep 10, 2014 6:55 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5249

Re: How much value can an advisor add for the average invest

If you searched and searched and couldn't find anyone that would wash your car for less than $5,000 wouldn't you just learn how to do it yourself?
by meowcat
Wed Sep 10, 2014 6:18 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5249

Re: The daddy of all grill islands

I discovered a new trend in grilling; infrared. The Rolls Royce of infrared grills is TEC, although hugely expensive. Saber would be my next choice, followed by Solaire or Napoleon.
by meowcat
Mon Sep 08, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2949

Re: Why does the stock market "always go up"? Will this pers

Why are we so confident that the Boglehead strategy of passive, index-fund investment will always be the way to go? Couldn't...anything happen? We don't know that passive investing will always be the way to go. Nobody can predict the future. What we do know is that passive investing gives us the be...
by meowcat
Mon Sep 08, 2014 5:44 am
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 4236

Re: Induction Range Worth the Price?

Smooth top ranges look nice if they are well maintained and not abused. There are some cautions you need to follow with them. 1. Any spills should be cleaned up ASAP so things don't cook onto the surface. There are special polishes available for this purpose. Be extra careful not to get plastic wra...
by meowcat
Fri Aug 29, 2014 7:39 am
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1243

Re: vacation destinations similar to Savannah or Charleston

Been to Key West? It's one of my favorite places. They want good food and quaint shopping. Not much good food in Key West and the shopping is mostly t-shirts. Very pricey also. Gill Have to agree. As much as I love Key West it is not at all similar to Savannah or Charleston. I would say there is a ...
by meowcat
Wed Aug 27, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 2326

Re: Do you tip on the tax?

I tip on the entire bill. My wife and I are considered big tippers. Our standard good service tip is 20%. However, we almost always round up a dollar or two. If the tip comes out to $36 or $37 and the service was good, we'll leave $40. If the service was above and beyond, we'll go much higher.
by meowcat
Fri Aug 22, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5902

Re: POLL: Breaking up with advisor

In the beginning, it mostly sounds like this:

"My financial adviser would never do that to me."

But in the end, it almost always sounds like this:

"I can't believe my financial adviser did that to me!"
by meowcat
Tue Aug 19, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 3924

Re: Lexus ES 350 versus Hyundai Genesis

I have a 2012 ES350. It's a good car. Reliable, quiet, buttery smooth. The problem with the car is that it's the sleepiest car I've ever owned. Boring, numb, sterile. The car doesn't even pretend to have even just a little bit of nimbleness. The suspension is too soft and all I want to do when I dri...
by meowcat
Thu Aug 07, 2014 6:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Lexus ES 350 versus Hyundai Genesis
Replies: 18
Views: 3858

Re: ? Best simple reference to dissuade a day trader

The bottom of the ocean is littered with sunken day trading ships. Very few remain afloat even after a very short period of time. I do not believe there are many long term day trading ships afloat.
by meowcat
Sat Aug 02, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: ? Best simple reference to dissuade a day trader
Replies: 67
Views: 4897

Re: Please help me fight for index funds!

There's strength in numbers. Get the entire workforce involved. Going head to head one on one is not going to be productive. If the whole workforce started complaining, you'd probably get somewhere.
by meowcat
Tue Jul 29, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2654

Re: 2 days in San Francisco

Enjoy an Irish coffee at the world famous Buena Vista.
Ride a cable car.
Visit Ghirardelli Square
Go to the top of Coit Tower
Take drive down Lombard Street
Have a cocktail at the top of the Hyatt. (The Equinox)
Walk around Pier 39
Visit the Palace of Fine Arts
by meowcat
Fri Jul 18, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 1832

Re: What To Do During A Correction In Stocks?

In 2008/2009 when the financial crisis shaved nearly 50% from stocks, there were many investors that couldn't handle the downfall and saw nothing but doom and gloom looking forward. They sold at, or near the bottom and never reentered the game. These same investors will be punishing themselves for t...
by meowcat
Wed Jul 16, 2014 6:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3967

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

We remodeled our kitchen about eight years ago using all Kitchen aid SS appliances. I have to say, I will never buy Kitchen Aid again. We've had problems with all of them except our dishwasher. My sister, also, has all Kitchen Aid appliances and she's had problems with all of hers, as well. Whirlpoo...
by meowcat
Tue Jul 08, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 49
Views: 4509

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

I work for a Lexus dealer so I get a pretty healthy subsidy to lease a new Lexus. It's actually less than $100/mo out of pocket. DW drives that one. I drive a 12 year old Honda Accord with 156k miles on it. I don't mind driving it it, it's reliable, economical, and it's been paid for for years.
by meowcat
Tue Jul 08, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3306

Re: Re-hired at firm, given incorrect 401k info

What, exactly, are you entitled to? You didn't/couldn't contribute to you plan for six months. Your employer misinformed you and you lost out on six months of contributions. Your employer owes you 4% of what? Why would they give you anything when you contributed nothing, even if they misinformed you...
by meowcat
Thu Jul 03, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Re-hired at firm, given incorrect 401k info
Replies: 27
Views: 2406

Re: Indexing in theory and practice

mrwheelerdealer wrote:Ive been investing with a broker for years now. His style is to analyze and buy individual small cap value stocks ( portfolio of about 7-10 stocks)

mrwheelerdealer wrote:
As an aside, I personally index my own money,


Did I miss something, here?
by meowcat
Tue Jun 24, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing in theory and practice
Replies: 28
Views: 1561

Re: Expense Ratio - what's too high?

I posted this in an earlier thread.

Downright cheap (almost free) .02% (TSP)
Bargain .07%
good deal .10%
fair .20%
getting pricy .50%
expensive .75%
rip-off 1.0%
outrageous 1.25%
astronomical 1.5%
over the top ridiculous 1.75%
Completely criminal 2.0%
by meowcat
Thu Jun 19, 2014 6:12 am
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 3380

Re: Retirees: Equity holdings of 90%+

I'm 50 and still riding the 100% equity roller coaster. I've never regretted it for a minute. I sleep well at night. I can't imagine how many investors will be punishing themselves for the rest of their lives for bailing out at the bottom of 2008/2009. These same investors now know that had they sta...
by meowcat
Wed Jun 18, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: Equity holdings of 90%+
Replies: 14
Views: 1666

Re: Insider Trading & Bogleheads

Okay, please clear something up for me. Perhaps it's me and my misunderstanding of the term "insider trading". In my mind there is a huge difference between "insider trading" and "trading on inside information". Insider trading : Top executives buying or selling large b...
by meowcat
Wed Jun 18, 2014 8:43 am
 
Forum: Investing - Theory, News & General
Topic: Insider Trading & Bogleheads
Replies: 26
Views: 1838
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