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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 3:36 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 1603

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 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3613

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 10:28 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3048

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 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 2965

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 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Re-hired at firm, given incorrect 401k info
Replies: 27
Views: 2282

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 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing in theory and practice
Replies: 28
Views: 1422

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 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2739

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 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: Equity holdings of 90%+
Replies: 14
Views: 1607

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 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Insider Trading & Bogleheads
Replies: 26
Views: 1745

Re: Risk of rolling IRA into Transamerica 401k?

Transamerica is first, and foremost, an insurance company. In my opinion, insurance companies do not make good investment companies. My 401(k) is with John Hancock (another insurance company) and I hate it. Fees are high because when you invest with an insurance company, more often than not you cash...
by meowcat
Wed Jun 18, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Risk of rolling IRA into Transamerica 401k?
Replies: 10
Views: 657

Re: Very new to stocks

The Wizard wrote:Skip eTrade; we don't usually recommend buying individual stocks here.
Instead, go to Vanguard and invest the whole $10K in their Total Stock Market index fund...

+1.
Quit looking for the needle in the haystack, just buy the whole haystack, you'll be better off.
by meowcat
Sat Jun 14, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Very new to stocks
Replies: 11
Views: 549

Re: "5 myths and misconceptions about indexing"

I'll take average, it beats below average, especially considering we can't all be above average.Average is even better when you do better than average when you take into account taxes and expenses John When it comes to indexing, I'm often offended when, indexers themselves, refer to their returns a...
by meowcat
Wed Jun 11, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: "5 myths and misconceptions about indexing"
Replies: 6
Views: 1742

Re: Keeping up with the neighbors and Balance

To me, granite countertops and stainless steel appliances are the avocado refrigerators of years past. I somewhat agree. They're still big sellers but it can't last forever. It does look nice and updated but... Then what are the new and improved counterparts, in your opinion? There are stone counte...
by meowcat
Wed Jun 04, 2014 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9672

Re: Favorite guitarist...

My all time favorite is Russ Freeman. Second runner up, Lee Ritenour. 3rd in line, Earl Klugh. I'm also a big Walter Becker fan.
by meowcat
Tue Jun 03, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18878

Re: Teaching Personal Finance next year... what to include?

Continuously drive home the concept of "spend less than you earn".
by meowcat
Tue Jun 03, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Personal Finance next year... what to include?
Replies: 51
Views: 2330

Re: Living in or near San Diego

I currently live in South Florida but I was borne and raised in San Diego. Pros: Beautiful waterfront city Excellent climate Close proximity to everything World famous zoo Wonderful boating community No end to fine dining Incredible amount of Spanish history Cons: Expensive as all getup Dry, brown, ...
by meowcat
Tue Jun 03, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Living in or near San Diego
Replies: 17
Views: 1355

Re: LPL financial planner cost

If you stick with this guy, he'll end up with more of your money than you will.....guaranteed!
by meowcat
Tue May 20, 2014 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: LPL financial planner cost
Replies: 35
Views: 1657

Re: why do investors keep buying actively managed funds?

They are middle of the road performers. Not the best, not the worst. The truth is you don't need to be the best. Just decent. Decent is all it takes. I've never agreed with this analogy of indexing. "Average" just doesn't cut it for me. Consistent, long term market returns finish in the t...
by meowcat
Fri May 16, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7086

Re: why do investors keep buying actively managed funds?

"Why do investors keep buying actively managed funds? I think in hopes of outperformance,of course as we all know,,,Past Performance is ,,,,,,,you know the rest :happy http://i57.tinypic.com/verdqg.png Bingo!! With index funds, there is no hope of riches. At least with active funds, the hope i...
by meowcat
Thu May 15, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7086

Re: Confused on how my plan displays performance results/fee

gtt561, the odds are great that MFS will under perform the SP500 over the next 10 years. This is the entire premise behind Boglehead investing. Actively managed funds such as MFS just can't outperform the market, long term. You'll find funds that outperform from year to year but these same funds rar...
by meowcat
Thu May 15, 2014 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused on how my plan displays performance results/fees
Replies: 8
Views: 458

Re: I like the investment strategy , not really the lifestyl

An easy fairly painless way to save is to save half your payraises. If you're 30 and making $40k a year, and spending $40k a year, and someone tells you, "You should be saving 15%! Start saving $6000 now!", you're going to think that's impossible... Where are you going to find $6000 a yea...
by meowcat
Fri May 09, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6607

Re: I like the investment strategy , not really the lifestyl

"Although some sacrifices made today may seem spartan, it's nothing compared to being old and broke, which is where you're headed if you can't save."

William Bernstein - If You Can
by meowcat
Fri May 09, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6607

Re: CNBC - 4% doctors are millionaires!!

You have to spend like a doctor when you are a doctor. Big house in preferred area, expensive cars, private schools for the kids, country club dues, landscapers, expensive vacations, wife's wardrobe, entertaining expenses, etc. Why do you have to? Because society says so. Look around you, it's how ...
by meowcat
Fri May 09, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 10784

Re: Good advice for Millennial Bogleheads

Excellent! I especially liked #1
by meowcat
Fri May 09, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Good advice for Millennial Bogleheads
Replies: 1
Views: 850

Re: "The Simplest Wealth Plan Ever"

I thought "If You Can" was a masterpiece. Simple to read and understand and it really drives home the core concept of the booklet, which is:

Hurdle# 1. People spend too much money.
by meowcat
Thu May 08, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: "The Simplest Wealth Plan Ever"
Replies: 26
Views: 4659

Re: Expense Ratios

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
Mon May 05, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios
Replies: 22
Views: 1498

Re: Deciding whether to annuitize

One of the largest risks retirees face is running out of money. An annuity puts that fear to rest. It places that risk on the insurance company. If you're not quite sure if you'll have enough and face the real fear of running out, you are a perfect candidate for an annuity.
by meowcat
Sat May 03, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Deciding whether to annuitize
Replies: 14
Views: 939

Re: Advice on picking a financial advisor

I have an extra $1000 per month I want to take $200 and put it in an IRA and $800 would go towards my debt . I am 35 you guys are suggesting I put the full amount $1000 to my debt till my cc car and SL are paid off. If I do that I don't start saving for my retirement till I am about 40-45 . Does th...
by meowcat
Fri May 02, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on picking a financial advisor
Replies: 36
Views: 2035

Re: Bogle Baptism

Realize that you hold in your hands the most valuable commodity known in the investing world, and that is time. You have the opportunity right now, with very little effort, I might add, to become very wealthy in retirement. It's hard to think about when you're 19 but at that age, if you start now, y...
by meowcat
Sat Apr 26, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogle Baptism
Replies: 32
Views: 3347

Re: Poll: Would you EVER recommend 100% equity?

I'll be 51 in June, this year. My portfolio remains at 100% equity. It was at 100% during the 2000 tech crash and has remained 100% during the 2008/2009 financial crisis. I never wavered. I slept well at night and never once even considered a sell off. Does that make me a good investor? No. Stupid? ...
by meowcat
Fri Apr 25, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Would you EVER recommend 100% equity?
Replies: 136
Views: 26825

Re: 401k Benchmarks

Have you looked at Brightscope.com?
by meowcat
Fri Apr 25, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k Benchmarks
Replies: 27
Views: 5948

Re: Why a million may not be enough

The math is simple for me; $1 million portfolio, no mortgage. I'll be just fine. :happy
by meowcat
Thu Apr 24, 2014 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Why a million may not be enough
Replies: 33
Views: 6327

Re: Warren Buffett

Take a look at BAM, LUK and DHR. These 3 investment conglomerates have absolutely dominated over the past 20-30 years. It can be done and it's not just luck. These companies don't get any publicity like Warren Buffett which is good. Good luck with those three. If you can weather the storm of massiv...
by meowcat
Tue Apr 22, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 3464

Re: Warren Buffett

Lots of investors "think" they can beat the S&P, and some do, occasionally. There's a number one fund manager every year but you'll never see him, even in the top 10, the next year. Sure, there are good (lucky) managers (stock pickers) out there but they all fall from grace eventually....
by meowcat
Tue Apr 22, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 3464

Re: Hedge fund fees

No. The index has nothing to do with it. You're not paying them to beat the index, you're paying them to make you money, whether they beat the index or not.
by meowcat
Mon Apr 21, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Hedge fund fees
Replies: 12
Views: 1055

Re: Improvement needed

In a situation like this, I always offer to manage the portfolio of the advisor. I'd put them all in low-expense ratio index funds. They will be my friend forever after that. If this adviser has any experience whatsoever, more than likely, he's already invested in low cost index funds, as most expe...
by meowcat
Mon Apr 14, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 2651

Re: How Are Catch Up Contributions Made?

Thanks for the input. I will contact my plan administrator today to see how our plan administers catch up contributions.
by meowcat
Mon Apr 14, 2014 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: How Are Catch Up Contributions Made?
Replies: 15
Views: 1564

How Are Catch Up Contributions Made?

I turned 50 last year. This year I will be able to make catch up contributions to my 401(k). Do I simply calculate $23k as a percentage of my income and use that percentage throughout the year, or is my limit $17,500 and at the end of the year I can make the catch up contribution? The IRS rules are ...
by meowcat
Sun Apr 13, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: How Are Catch Up Contributions Made?
Replies: 15
Views: 1564

Re: Favorite Investing Book?

"The Millionaire Next Door"
by meowcat
Wed Apr 09, 2014 7:09 am
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 4953

Re: advisor advice?

Only you can answer for yourself if the "personable advice and constant attention" of your Edward Jones advisor is worth the fees (and possibly front-end loads) you pay him. Has your advisor taken you out on his yacht lately? :P :D :D Guess who paid for that yacht? Wait a minute, where ar...
by meowcat
Wed Apr 09, 2014 6:50 am
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1649

Re: Which parts of the financial industry are improving?

Not improving. Full disclosure of fees. Okay, maybe it's better than it was but when I say "full disclosure" I mean "FULL DISCLOSURE". I'm not just talking about the DOL ruling about administrative costs, I'm talking about every single penny deducted from my plan shown to me in ...
by meowcat
Tue Apr 08, 2014 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Which parts of the financial industry are improving?
Replies: 10
Views: 1003

Re: Which parts of the financial industry are improving?

Not improving. Full disclosure of fees. Okay, maybe it's better than it was but when I say "full disclosure" I mean "FULL DISCLOSURE". I'm not just talking about the DOL ruling about administrative costs, I'm talking about every single penny deducted from my plan shown to me in ...
by meowcat
Sat Apr 05, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Which parts of the financial industry are improving?
Replies: 10
Views: 1003

Re: Mr. Money Mustache: Hero or Foolish?

How much does he make from his blog? Is he transparent about that? It doesn't really matter how much he makes off his blog. If he's not spending it, and living off the $25k he says he is, he's just adding it to his nest egg. I think there are a lot of people that aspire to be (almost) as frugal as ...
by meowcat
Wed Apr 02, 2014 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 33610

Re: [New 8th Circuit Ruling Striking Down High 401K Fees]

This has become laughable! First, ALL plans, every single one of them, have "reasonable" fees. Don't believe it? Just ask them. Does anybody know of, or has anybody heard of any plan in existence that doesn't bill themselves as having reasonable fees? Of course not. If you're in a plan tha...
by meowcat
Tue Apr 01, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: [New 8th Circuit Ruling Striking Down High 401K Fees]
Replies: 44
Views: 3005

Re: IRS letter claiming return is late - anyone experience t

Your tax return doesn't need to be received at the IRS by Apr. 15th, it needs to be postmarked by the 15th. I don't know about other states but where I live, there are a select few post offices that stay open until midnight, Apr. 15th so that tax payers can get that April 15th postmark.
by meowcat
Fri Mar 28, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 34
Views: 4598

IRA Earned Income Contribution.

I have a quick question regarding traditional IRA's and earned income. Obviously, one must have "qualifying earned income" to contribute to an IRA. Is there any rule that states your IRA contribution must come *from* that earned income? In other words, as long as I have qualifying earned i...
by meowcat
Wed Mar 26, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Earned Income Contribution.
Replies: 1
Views: 121

Re: Tipping should be based on time not amount

I wish we had a better system but I do tip wait staff well due to awareness of their low base. In an inexpensive restaurant, I will tip even much higher because I don't think they should be penalized for the fact that the food is value priced. My Wife and I are big tippers, also, especially in plac...
by meowcat
Tue Mar 18, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 2336

Re: Green Bogleheads discussing Target Stock

haloony wrote:Hey All,
“I’m wondering if it would it make sense as an investor, to buy target stock now while its low and wait for all this to blow over, because eventually it will go back up and the key to stocks is buy low sell high-

Are you sure you/your Wife read the book? Did you learn nothing?
by meowcat
Fri Mar 14, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Green Bogleheads discussing Target Stock
Replies: 36
Views: 2674

Re: The tell tale chart

In a hundred years, there has never been anybody that's been consistently successful at predicting where the market was going based on looking at patterns in a stock chart, at least not in the short term. NEVER.
by meowcat
Thu Mar 13, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: The tell tale chart
Replies: 9
Views: 1827

Re: USAA insurance vs Geico

Hi Bogleheads, I have seen several posts about USAA insurance and the subscriber account. I recently noticed an increase in my auto premiums by about $200/yr. I also have life and home and umbrella through them. No new events in mine or wife's driving history and no new cars. Geico has similar cove...
by meowcat
Tue Mar 04, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA insurance vs Geico
Replies: 9
Views: 1024
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