Search found 1541 matches

by mlebuf
Tue Aug 25, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: "The Fight For Low Fees: John Bogle, Tony Robbins Team Up"
Replies: 14
Views: 1549

Re: "The Fight For Low Fees: John Bogle, Tony Robbins Team Up"

When I see Jack Bogle walking barefoot over hot coals, I'll believe he has teamed up with Tony Robbins.

https://www.youtube.com/watch?v=7_YD1mmJ8O4
by mlebuf
Thu Aug 20, 2015 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: BAM Alliance
Replies: 17
Views: 1358

Re: The Three Fund Portfolio

SpaNancy: For your information: The Three Fund Portfolio Investing does not need to be complicated. Best wishes. Taylor Well said, Taylor. Whether an investor pays 1 percent, .3 percent or whatever percent in fees, it's important to remember Jack Bogle's reminder that when it comes to investing,we ...
by mlebuf
Fri Aug 14, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 36
Views: 2853

Re: I need a classic men's black dress belt

+1 for Mission Belts - In previous belts I owned, one hole was sometimes too tight and the next one was too loose. Mission belts solves that problem. http://missionbelt.com Any recommendations on a specific mission belt for a dressy look? I was looking at the Vader or the Steel. http://missionbelt....
by mlebuf
Fri Aug 14, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 36
Views: 2853

Re: I need a classic men's black dress belt

Raladic wrote:Look at Mission Belt.

It doesn't have wholes in the buckle and is made of some great leather.


+1 for Mission Belts - In previous belts I owned, one hole was sometimes too tight and the next one was too loose. Mission belts solves that problem.

http://missionbelt.com
by mlebuf
Tue Aug 11, 2015 7:49 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 95
Views: 10630

Re: Why not add a "like" button to Boglehead posts?

"Being popular on Facebook is like sitting at the cool table in the cafeteria of a mental hospital."
- Anonymous
by mlebuf
Mon Aug 10, 2015 8:06 pm
Forum: Investing - Theory, News & General
Topic: Buffett: Stocks Will Be Much Higher
Replies: 25
Views: 4985

Re: Buffett: Stocks Will Be Much Higher

What's most important is to realize that nobody knows the future and be prepared for the market to go up and down, because that's what it's going to do. It's not what we don't know that hurts us. It's what we think we know that isn't so.
by mlebuf
Sat Aug 08, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 5959

Re: Former Housemate Owes Money - What to do?

There's an old saying from the race track: When a man with money meets a man with experience, the man with the money gets the experience and the man with experience gets the money. As a very bright 13 year-old once told me, "When you lose, don't lose the lesson." Lesson: The next time anyo...
by mlebuf
Fri Aug 07, 2015 8:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5149

Re: Congrats to Laura Dogu

Congratulations indeed, Laura! Also, congratulations on being multilingual. You speak Spanish and Boglehead. :sharebeer
by mlebuf
Tue Aug 04, 2015 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: "A different kind of retirement calculator"
Replies: 32
Views: 4535

Re: "A different kind of retirement calculator"

I retired in June of 1982 at the age of 57. We had about a $1 million dollar portfolio to last us the rest of our lives. I didn't know about safe withdrawal rates (the Trinity Study wasn't published until 1998). We had no computers, Internet, Monte Carlo, or sophisticated calculators. We only knew ...
by mlebuf
Sun Aug 02, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is Is Wise Not To Factor Social Security/Medicare Into Your Retirement Plans?
Replies: 20
Views: 1629

Re: Is Is Wise Not To Factor Social Security/Medicare Into Your Retirement Plans?

Personally, I don't factor these two programs into my long-term investment plan(s). I take the position that if they're both there when I retire, then great. Otherwise, I will be in a position by this time that I'll be able to rely upon what I've created and built for myself vs. these two programs....
by mlebuf
Sun Jul 26, 2015 9:22 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10623

Re: Scott Burns – Don’t quit your day job.

Waaa waaaa waaaaa Life is so hard. I can never retire. I better work until I'm 75 and then use a 1.5% withdrawal rate. Seriously people. It isn't half as dismal as most people seem to think for various reasons. # 1 You probably won't live 30 years after a standard retirement anyway. Average is 19 y...
by mlebuf
Thu Jul 23, 2015 12:42 am
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 6990

Re: Greatest money lesson movie

This is not a movie and it is available on youtube: The Retirement Gamble-Frontline-PBS (documentary) Another PBS documentary worth watching is "Trillion Dollar Bet" that covers the story of Long-Term Capital Management. To those not familiar with the story, some Nobel Prize winning econo...
by mlebuf
Fri Jul 10, 2015 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Pulling equity out of home to invest?
Replies: 71
Views: 5070

Re: Pulling equity out of home to invest?

What do the experts have to say about the idea of pulling equity out of your home to invest (in perhaps stocks / bonds, real estates)? Yeah it carries risk, but good or bad idea? Unless you are willing to risk losing your home, DON'T DO IT. One of Warren Buffett's great gems of advice is to never r...
by mlebuf
Wed Jul 08, 2015 11:23 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 9233

Re: Worst financial book you have read (or will admit you have read)

Hi Bogleheads, I am surprised one book did not make the cut thus far: "No Money Down" by Robert Allen. I had a colleague that read the book and recommended it to me. It was incredible in terms of the real estate "strategies" that were recommended. Best. One of these no money dow...
by mlebuf
Wed Jul 08, 2015 1:27 am
Forum: Personal Consumer Issues
Topic: kitchenaid vs. bosch dishwasher
Replies: 61
Views: 3333

Re: kitchenaid vs. bosch dishwasher

We had a KitchenAid dishwasher that worked fine for over 18 years. About a year ago it died and we replaced it with a Bosch. The Bosch is super quiet and works great. No problems thus far.
by mlebuf
Tue Jul 07, 2015 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4476

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

(1) I know how expense ratios affect returns. But I can't quite get the math on how these front-load fees will affect her returns over time. Can somebody help me out with this? I've tried looking for calculators online but can't find one that shows how both the expense ratio and load fees will affe...
by mlebuf
Sat Jul 04, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9329

Re: What age did you become debt free and what opportunities did it create?

Reminded me of a Jack Handey quote: "I hope that when I die, people say about me, 'Boy, that guy sure owed me a lot of money.' " LOL! That is too funny. I became debt free for the first time at age 47. I owed about $13,000 on the house and paid it off when I opted for early retirement. At...
by mlebuf
Wed Jul 01, 2015 10:33 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21940

Re: Emergdoc on Mr. Money Mustache

Emergdoc's philosophy gets my vote. No matter how much lipstick you put on that pig, poor is not beautiful. Money may not buy happiness but I've learned that it can chase the hell out of misery. :sharebeer
by mlebuf
Wed Jul 01, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 157
Views: 38305

Re: Tell Me I'm Stupid To Consider Quitting My Job and Moving

Hi Random Poster, Years ago I knew a woman who had an elderly mother. Whenever someone asked her, "How is your mother?" she replied, "She's enjoying poor health." May you continue to "enjoy" your remaining year(s) of job and location dissatisfaction. You are the sole ow...
by mlebuf
Wed Jul 01, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 157
Views: 38305

Re: Tell Me I'm Stupid To Consider Quitting My Job and Moving

But that net worth isn't all available to be spent or used to support us....since it includes our retirement funds and our house/car/furniture/emergency fund. So I prefer to think that all we really have is what is in our taxable account, which is roughly $1.263 million. And so the Eeyore in me sim...
by mlebuf
Wed Jul 01, 2015 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 157
Views: 38305

Re: Tell Me I'm Stupid To Consider Quitting My Job and Moving

Hi Random Poster, Thanks for the update. As I understand it, you are now age 38 and your household net worth is $2.275 million. That is great news! However the bad news is that you hate your job and where you live. Speaking as a 73 year-old, if I were 38 and in your shoes, I would quit my job and le...
by mlebuf
Sat Jun 27, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 3296

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

In April I bought a new HDTV to replace a non-functioning, boat anchor sized 61" projection TV. The seller delivered, set up the new set and took the old one away. They charged $80 to set up the new TV and $20 to haul the old one away. On 2 separate and previous occasions when I bought new HDTV...
by mlebuf
Mon Jun 22, 2015 9:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2945

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday, Mel!

Sorry your AC went out. They have a way of failing us when we need them most. In spite of that, I hope you had a great birthday and wish you many more.
by mlebuf
Sun Jun 21, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 1592

Re: Anyone Install a new shower lately?

I bought two Speakman Anystream 8 Jet Shower Heads for a walk-in shower some years back. If you want an experience that feels like taking a shower in a waterfall, this is the one. They are expensive but worth every penny and built to last. http://www.wayfair.com/Speakman-Anystream-8-Jet-Shower-Head-...
by mlebuf
Sat Jun 20, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 2799

Re: Angie's List

I have been subscribing to Angie's List for several years and find it very helpful. I used the service to find a heating and air conditioning repair/maintenance company, a roofer, a lawn sprinkler/irrigation specialist, tree trimming service, pool maintenance company, and several others. In every ca...
by mlebuf
Wed Jun 17, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Life is short, enjoy it!
Replies: 32
Views: 6213

Re: Life is short, enjoy it!

Vancouver is drop-dead gorgeous during the summers.
by mlebuf
Tue Jun 16, 2015 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14579

Re: Longtime Insurance Customers Get Ripped

Being burned by a high State Farm rate increase is not new. In 2004 I was a loyal customer for 35 years and they increased my annual homeowners premium 70 percent. I had not filed a claim in years. The agent told me it was because they had lots of claims for mold creating the need for a rate increas...
by mlebuf
Sat Jun 13, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14465

Re: Will we be eating cat food?

Hey guys, ease up. I'm married to a guy who really thinks his assets could run out. I've shown him spreadsheets. I've tried to convince him we're set. He's not buying. Why do people think like this? What happens when you're married to one? Ask him if he sees any point in being the richest person in...
by mlebuf
Tue Jun 09, 2015 2:03 am
Forum: Personal Finance (Not Investing)
Topic: How to financially prepare to enjoy your best years?
Replies: 16
Views: 2713

Re: How to financially prepare to enjoy your best years?

Hi TimeLord, As you plan your retirement and how much to spend, this article by Scott Burns on the hedonic clock might give you some statistical insights about what happens to people as they age and its implications for spending during retirement. I think it's a keeper and refer to it frequently. BT...
by mlebuf
Tue Jun 09, 2015 1:44 am
Forum: Investing - Theory, News & General
Topic: I lost $100 million — and I’ve never been happier
Replies: 29
Views: 9163

Re: I lost $100 million — and I’ve never been happier

I too am suspicious about that $100 million figure. If Anthony was so bright about money why was he so highly leveraged? Leverage is just a fancy word for debt. Smells like ego-ruptcy to me. Like most Bogleheads I would have been debt-free, highly diversified and smelling the roses long before reach...
by mlebuf
Mon Jun 08, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Boglehead flea treatment?
Replies: 39
Views: 2572

Re: Boglehead flea treatment?

For years I battled the fleas on my cats when I lived in Louisiana. Then, something very interesting happened. My cats and I moved to the Arizona desert, the fleas disappeared in a matter of weeks and never returned. It wasn't the heat because we arrived in February. My guess is that fleas can't sur...
by mlebuf
Sat Jun 06, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12973

Re: Frugal Millionaires Article...Sounds Like Bogleheads

Once upon a time, there was a dog called Paco that was entering Madrid cafés in hope that human customers would share with him parts of their meals. After a lot of hard work, numerous rejections and even some beatings, Paco has stumbled on a wealthy benefector Marques de Bogaraya who threw the dog ...
by mlebuf
Fri Jun 05, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12973

Re: Frugal Millionaires Article...Sounds Like Bogleheads

You know, I would like to believe all the hype about "the millionaire next door", and how a working stiff just needs to work, save diligently, and invest wisely to become affluent. But playing devil's advocate, I wonder how many of those millionaires got where they were largely due to jus...
by mlebuf
Fri Jun 05, 2015 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12973

Re: Frugal Millionaires Article...Sounds Like Bogleheads

Excellent article. The most important thing accumulated wealth buys is freedom. I believed that before I acquired wealth and believe it even more since I have. I also concur with being frugal, but realize that there's a difference between being frugal and being cheap. As for being ostentatious, this...
by mlebuf
Thu Jun 04, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 8933

Re: 30 years old / Missed the bull run

Forget the past. You are only 30 and there will be many more bull and bear markets in your lifetime. Your 1/3, 1/3, 1/3 plan is excellent. Just stay the course and stick with your plan through good times and bad. I didn't get serious about trying to build wealth until I was 35 and didn't find Vangua...
by mlebuf
Mon Jun 01, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 3039

Re: All-in-one Printer Recommendation

Hi Bogleheads, Thank you so much for all of your suggestions. They were enormously helpful. Here's an update on what has transpired. After having no success getting my HP7525 to work, I thought I would try contacting HP and found an 800 number online. When I called, I got a recorded reply asking tha...
by mlebuf
Sat May 30, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 3039

All-in-one Printer Recommendation

Early this year I purchased an HP7525 all-in-one printer. It has ceased to function as a printer and the 90 day warranty has passed. Tried doing a reset and reloaded most recent software. It keeps recycling a message about needing to be shutdown properly and does not print. I haven't checked the oth...
by mlebuf
Mon May 25, 2015 4:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 18
Views: 1806

Re: Memorial Day

Hi Taylor, Thanks to you and all veterans for your service. In my book all veterans, as well as the ones who gave it all are heroes. Here's an interesting story about America's oldest living veteran: http://www.newsmax.com/Politics/Richard-Overton-Americas-Oldest-Veteran/2015/05/25/id/646533/?ns_mai...
by mlebuf
Sun May 24, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6783

Re: Sun City Arizona = Retirement help.

Do Arizona residents feel the water situation is under control? When I moved to Metro-Phoenix in 1996, the word was that Phoenix had enough water to last at least 50 years. At that time they were already rationing water in parts of California. I don't know if water predictions for Phoenix have been...
by mlebuf
Wed May 20, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1958

Re: Should I Buy a House?

This brief video discussing home ownership may prove to be helpful:
http://www.fool.com/investing/general/2 ... lnk0000003
by mlebuf
Wed May 20, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1958

Re: Maybe I shouldn't buy a house?

The decision to rent or buy is best made as a lifestyle decision and not as an investment decision. I didn't buy my first house until age 33. I was single and enjoyed apartment living. However, I am also an amateur radio operator and wanted to live some place where I could put up an antenna. That wa...
by mlebuf
Sat May 16, 2015 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13425

Re: How much does social security factor into your retirement income?

Confused wrote:None. I make my decisions based on the assumption that we will get zero from Social Security.


+1 - That's what I did and the SS checks make for very nice icing on the retirement cake.
by mlebuf
Sat May 16, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13425

Re: How much does social security factor into your retirement income?

How much Social Security will factor into retirement incomes in the future is speculative. However, this article by Scott Burns tells us how much it factored into retirees' incomes in 2008:
http://assetbuilder.com/scott_burns/the ... l_security
by mlebuf
Thu May 14, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6984

Re: Am I a Millionaire???

The meaning of the word "millionaire" often depends on whom you ask. To the Fed and census takers it means having a total net worth of at least $1 million. That includes, your home, cars, cash, investments and anything of value minus your debts. To others (most notably those who sell and m...
by mlebuf
Thu May 14, 2015 9:27 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5447

Re: Too late to invest in Health Care Fund?

It has been observed and said many times: Wall Street is a place where people love to buy at inflated prices and run away from a sale. Nevertheless, I've owned Vanguard Health Care for many years and it has been very good to me. One caveat: the fund does tend to be tax inefficient so it's better hel...
by mlebuf
Thu May 14, 2015 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Share the life lessons that you learned in your 30's.
Replies: 27
Views: 2970

Re: Share the life lessons that you learned in your 30's.

Looking back, the worst thing I did in my 30's was waste a year or two playing golf. Other than being outside in the fresh air, I didn't find it satisfying and didn't have the patience to persist and get better at it. I also realized that in my particular case, it paid poorly and my salary as a univ...
by mlebuf
Sun May 10, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Unsolicited Advice for Everyone About to Graduate College
Replies: 2
Views: 616

Re: Unsolicited Advice for Everyone About to Graduate College

Fallible wrote:Bad bosses love suck-ups, don't mind insincerity, if they can even recognize it, and may or may not be capable of knowing what is "good" work.


Having had my share of both good and bad bosses, I totally agree.
by mlebuf
Sun May 10, 2015 7:34 pm
Forum: Personal Consumer Issues
Topic: Unsolicited Advice for Everyone About to Graduate College
Replies: 2
Views: 616

Unsolicited Advice for Everyone About to Graduate College

This is another great column from Morgan Housel. Just about all of us know someone who is graduating this month or in the near future. You may want to pass this along to them: http://www.fool.com/investing/general/2015/05/06/unsolicited-advice-for-everyone-about-to-graduate.aspx?source=iaasitlnk0000...
by mlebuf
Sun May 10, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 4704

Re: Should I buy a lighter bicycle or lose body weight?

This is a no-brainer. If you are overweight, lose the weight. In either case, lose the bike salesman.

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