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Re: physicians [Frustrated, considering early retirement]

I'm not a physician but the story I'm about to tell you is over 20 years old. I have a friend who is a practicing physician who also teaches practice marketing to other doctors. He asked me to accompany him and evaluate his presentation to about 40 docs ranging in age from very young to what appeare...
by mlebuf
Wed Feb 25, 2015 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 7892

Re: Please Help Me Explain an Equity Index Annuity to a Rela

Tell your relative that he should never invest in anything that he does not understand or can't explain to a 12 year-old. That automatically rules out equity index annuities and loads of other investments pitched by slick salespeople. The annuity salesperson is hoping to make a big commission from g...
by mlebuf
Mon Feb 23, 2015 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1641

Re: Accurate home blood pressure monitor?

I have 2 BP monitors. Some years ago I bought Microlife cuff model that was recommended by a cardiologist. It's an automatic model that can take 3 readings in a row and average them. Last year I bought an Omron BP652 wrist model that I picked up at Target. They both track very close to each other. ...
by mlebuf
Sat Feb 21, 2015 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Accurate home blood pressure monitor?
Replies: 42
Views: 6303

Re: Accurate home blood pressure monitor?

I have 2 BP monitors. Some years ago I bought Microlife cuff model that was recommended by a cardiologist. It's an automatic model that can take 3 readings in a row and average them. Last year I bought an Omron BP652 wrist model that I picked up at Target. They both track very close to each other. I...
by mlebuf
Sat Feb 21, 2015 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Accurate home blood pressure monitor?
Replies: 42
Views: 6303

Re: Need Desk chair for my office work

Aeron Chair, I've had mine for almost a decade now and love it. http://store.hermanmiller.com/Products/Aeron-Chair?device=c&network=g&matchtype=e&gclid=CJ6N1qa97sMCFYdafgodIS4AJQ +1 I suffered with lower back pain off and on for over ten years until I bought an Aeron Chair. That was 15 ...
by mlebuf
Thu Feb 19, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Need Desk chair for my office work
Replies: 28
Views: 1325

Re: Pick Out My New TV For Me

The problem with going to bestBuy is I'd have to haul it home in my car. The nice thing about Amazon is they'll deliver it and take it out of the box and plug it in. I think bestBuy.com will do this as well, but I don't think if you go to the store that they'll deliver and hook it up for you for fr...
by mlebuf
Tue Feb 17, 2015 2:11 am
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2097

Re: The Non-Millionaire Next Door

I believe it was Dave Ramsey who said that the problem with keeping up with the Joneses is that the Joneses are broke. He got that right. I remember attending an investment seminar some years ago where Ben Stein was a guest speaker. He told a story about a director who gave him his big break in his ...
by mlebuf
Tue Feb 17, 2015 1:24 am
 
Forum: Investing - Theory, News & General
Topic: The Non-Millionaire Next Door
Replies: 43
Views: 6196

Re: Read WSJ every day ?

I've been reading WSJ for well over 20 years. Currently have an online subscription and read it every day. It's the only newspaper I subscribe to.
by mlebuf
Mon Feb 16, 2015 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4948

Re: First Time Dog Owners -- Any Regrets?

Postmon wrote:
mlebuf wrote:https://www.youtube.com/v/txiR7oEVGd0


Okay, you convinced me. Where can I get one of those? :wink:


This will get you started in the right direction:
http://pets.webmd.com/dogs/features/how ... s-your-dog
by mlebuf
Mon Feb 16, 2015 6:38 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5898

Re: Pick Out My New TV For Me

In the past 18 months we have purchased 3 HD TVs ranging in size from 32 to 90 inches. As to which size to get, bigger is generally better. You have to get within 5 feet of our 90-inch Sharp TV to see the Pixels. We have a Sharp, Samsung and Sony TVs. My only recommendation is that you stay away fro...
by mlebuf
Mon Feb 16, 2015 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2097

Re: First Time Dog Owners -- Any Regrets?

Something special for dog lovers. Enjoy!

https://www.youtube.com/v/txiR7oEVGd0
by mlebuf
Mon Feb 16, 2015 2:10 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5898

Re: Happy Birthday to the Bogleheads.org Forum

Great writeup, Mel. And happy birthday to the forum. Those stats are amazing and all who make it possible have done/are doing a wonderful job.
by mlebuf
Sun Feb 15, 2015 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2323

Re: Is "Financial Independence" the new "Retirement?"

Critical Mass = Financial Independence... = Options to spend your days any way you please. Isn't that the end game? Yes. That's the way I've always looked at it. It's not about the money. It's the freedom of having complete control of your time. Michael -- your excellent book "The Millionaire ...
by mlebuf
Sat Feb 14, 2015 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6699

Re: Is "Financial Independence" the new "Retirement?"

ShiftF5 wrote:
The Wizard wrote:Critical Mass = Financial Independence...


= Options to spend your days any way you please.

Isn't that the end game?


Yes. That's the way I've always looked at it. It's not about the money. It's the freedom of having complete control of your time.
by mlebuf
Fri Feb 13, 2015 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6699

Re: Bogglehead Career Advice

Stew Leonards is one of my favorite stores, not grocery stores mind you, stores in general. Im from NY and lived in CT during high school, I still shop there whenever possible. I think all stores should strive to be like Stew's. If you have the opportunity, please share the profound admiration I ha...
by mlebuf
Fri Feb 13, 2015 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 2791

Re: Your Future According to Yale Star Robert J. Shiller

(Shrug) When, O when was the golden age when anxiety and uncertainty were not weighing on individuals, and nobody worried about new technologies I'm relatively young and inexperienced, but I have learned in my 31 years that times are only ever good in the past. The present is always bad. "The ...
by mlebuf
Fri Feb 13, 2015 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Your Future According to Yale Star Robert J. Shiller
Replies: 86
Views: 10121

Re: How many have a membership in AARP?

When I was 50, a friend recommended that I purchase a ten-year membership to AARP and I did. It took a few months to realize the error of my ways. I didn't ask for my money back but I never sent them another dime. All solicitations from AARP go straight into the round file.
by mlebuf
Thu Feb 12, 2015 10:21 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3949

Re: Bogglehead Career Advice

Lastly in re: to your former students quote. Does he feel you need to like the work your doing even if you suck at it? its a caveat but its important to me in this context. Could I work my ass off and be an attorney. Yes of course. Do I think I would be miserable. Yes I do. That's just me and not a...
by mlebuf
Thu Feb 12, 2015 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 2791

Re: Bogglehead Career Advice

Hi Singern, Many people finish school with no earthly idea of what they want to do with their life. Don't feel like the Lone Ranger. Here's the best career advice I ever heard: Work very hard at something that comes very easy to you. Find something you do better than most people and work at becoming...
by mlebuf
Thu Feb 12, 2015 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 2791

Re: Scottsdale, AZ - what to do?

The sun is different out there for sure. I'm used to hot days here in New England, with LOTS of Humidity. But the sun out there is WAY more intense! You are very correct. Sunglasses out here are a must. Also, straw hats and sunblock come in handy when spending time in the sun. Arizona leads the nat...
by mlebuf
Thu Feb 12, 2015 1:07 am
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3323

Re: A question about LTC insurance that no one asks

OK, I get all that, but does anyone ever consider that they might need long term care before they get really old? That's the thing I worry about most. What if my husband and/or I were disabled and couldn't work? We have disability insurance, but what if we also needed care? That very question is th...
by mlebuf
Wed Feb 11, 2015 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question about LTC insurance that no one asks
Replies: 19
Views: 1657

Re: Looking for ideas for a romantic getaway

My wife says it best about the most popular part of New Orleans...It looks just like what you see on TV but the TV doesn't have the smell. Really didn't want to eat at a place that smelled like stale beer mixed with other aromas. As a native of New Orleans who lived the bulk of his life there, I to...
by mlebuf
Tue Feb 10, 2015 1:43 am
 
Forum: Personal Consumer Issues
Topic: Looking for ideas for a romantic getaway
Replies: 31
Views: 2161

Re: First Time Dog Owners -- Any Regrets?

What about a big dog-like cat. There are some, and they can take care of themselves. The Maine Coon breed comes to mind. That's a great idea worth considering. Cats are far less maintenance and some can be very doglike. Two of our many cats are doglike. Both were rescued off the streets. One was sp...
by mlebuf
Sun Feb 08, 2015 12:44 am
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5898

Re: Approaching 50...What to expect?

Hi simple man, For the record, I will celebrate the 23rd anniversary of my 50th birthday this month. The week after I turned 60, I read an article in "US News" titled, "The Do or Die Decade." It was all about how men start to fall apart at 50. I had to laugh because at the time I...
by mlebuf
Thu Feb 05, 2015 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 102
Views: 8825

Re: Are car loans really that bad?

The last new car I purchased was in 2002. I could have paid cash but financed the purchase because the dealer offered me a zero percent loan with no money down and 5 years to pay it off. With an offer like that I would have been a fool to pay cash. When I bought the car, I planned to keep it for 10 ...
by mlebuf
Sun Feb 01, 2015 2:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 6733

Re: Bogelheads has made me obsessive about our money

Money is a wonderful servant but a terrible master. Obsessing over money only makes it the master and you the servant. You are retired and need to enjoy the money created by the many years of working, saving and investing that you/your spouse put in. Maybe you could have done better had you discover...
by mlebuf
Sun Feb 01, 2015 2:10 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads has made me obsessive about our money
Replies: 41
Views: 5508

Re: Scottsdale, AZ - what to do?

Whatever you decide to do, leave your heavy coats at home. Check out yesterday's weather report on Channel 10 in Phoenix: http://www.fox10phoenix.com/story/27975569/2015/01/29/weather-map-malfunctions-during-live-broadcast Seriously, if you like good restaurants here are a few of my favorites in Sco...
by mlebuf
Thu Jan 29, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3323

Re: Amazon Prime - good deal or calculated conditioning

Whether or not Amazon Prime is worth is simply a matter of it's worth $99 a year for you to subscribe to their benefits. http://www.amazon.com/gp/help/customer/display.html?nodeId=200444160 For some it's worth it and for others it's a waste of money. As consumers, we each have to make the choice tha...
by mlebuf
Wed Jan 28, 2015 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2929

Re: What experts say about $5,000 watches

For anyone wanting a watch that keeps perfect time, I recommend this one: http://www.hammacher.com/Product/84166?promo=search My wife gave me one for Christmas some years ago and it's the most accurate watch I've ever owned. Every time I've checked it with WWV it is accurate to the second and runs ...
by mlebuf
Mon Jan 26, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179367

Re: What experts say about $5,000 watches

I'm reminded of Rita Davenport, a successful and humorous speaker. She wears two watches on the same arm: an inexpensive Timex and a very expensive Rolex. Pointing first to the Timex and then to the Rolex, Rita tells the audience, "The first one is for me to see and the second one is for you to...
by mlebuf
Mon Jan 26, 2015 2:11 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179367

Re: WHAT EXPERTS SAY ABOUT

Happy Birthday, Taylor! You are the king of the Bogleheads and a prince of a man. Your knowledge and leadership on this form is priceless.
by mlebuf
Sun Jan 25, 2015 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3595

Re: anyone here been to the Super Bowl?

I went to a Cowboys-Dolphins Super Bowl in New Orleans in the early 70's, but my experience will offer no insight, except to show how markedly things have changed since then. The game then was far, far less of an "event" than it has become. As the most glaring of many possible examples of...
by mlebuf
Fri Jan 23, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2571

Re: Retirement in Arizona - Seeking Advice

Hi Bustoff,

Here's a link where you can shop and look at local green fees in Phoenix. They get very pricey in the Scottsdale area.
http://www.localgreenfees.com/phoenix/
by mlebuf
Thu Jan 22, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4672

Re: Retirement in Arizona - Seeking Advice

Hi Bustoff, We bought a house in Paradise Valley in February 1996, moved here, are still in the same house and love the area. We came out here in early September 1995, looked at houses, decided this was where we wanted to live and later bought a house. No regrets whatsoever. Climate: I tell people t...
by mlebuf
Thu Jan 22, 2015 1:05 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4672

Re: Will young get social security?

Unless the government comes up with something better, Social Security will be around for as long as anyone who can read this in 2015. The reason why is simple: Without Social Security an enormous number of Americans would retire to poverty or work until they die. This article by Scott Burns provides...
by mlebuf
Tue Jan 13, 2015 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will young get social security?
Replies: 13
Views: 1207

Re: Finance My Son's Law School

My parents were very generous and paid for my undergraduate education. Paying for grad school was left up to me as it should have been. I spent another 4 years in school getting an MBA, Ph.D. and financed it through a combination of summer jobs, student loans and a graduate assistantship. In retrosp...
by mlebuf
Sun Jan 04, 2015 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4489

Re: Professor Dumpster, a really tiny house.

If the man has an once of sanity, this will be a short-term experiment. However, speaking as a recovering academic, I've known more than a few who were a few fries short of a Happy Meal.
by mlebuf
Wed Dec 31, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Professor Dumpster, a really tiny house.
Replies: 18
Views: 2484

Re: My Christmas Message To You -- 70 Years Ago.

Merry Christmas, Taylor,

From the frozen bunkers of Bastogne to King of the Bogleheads and everywhere in between, you have devoted your life to helping others in your own, first-class way. Thank you for your service on so many different levels.
by mlebuf
Fri Dec 26, 2014 12:14 am
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5227

Re: Have you ever hoped for a correction?

I like to see mild corrections because they likely are an antidote to a potential bubble. When stocks or any investment become highly overvalued, those less well-informed jump in and usually get burned when the bubble bursts. The dot com and real estate bubbles are cases in point. What goes up like ...
by mlebuf
Wed Dec 24, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Have you ever hoped for a correction?
Replies: 52
Views: 3615

Re: How do you define "being rich"?

The Wizard wrote:
mlebuf wrote:Being rich is having a lot of money. The dollar amount chosen is arbitrary.

Being wealthy is having enough money to live your life on your own terms and enjoying good health.

Wait.
Which one is better, Wealthy or Rich?
I need to know...


I'll take wealthy any day.
by mlebuf
Sun Dec 21, 2014 12:56 am
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9525

Re: How do you define "being rich"?

Being rich is having a lot of money. The dollar amount chosen is arbitrary.

Being wealthy is having enough money to live your life on your own terms and enjoying good health.
by mlebuf
Sat Dec 20, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9525

Re: WHY is retirement enjoyable / something to look forward

A few of us live to work, but many more of us work to live. Regardless of which type you are, I encourage everyone to save and invest toward the goal of becoming work optional. Sooner or later, the day will almost surely come when being financially independent will come in very handy. I enjoyed the ...
by mlebuf
Wed Dec 17, 2014 3:04 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20291

Re: What are your 2015 Financial Goals?

Continuing to reap the harvest that I began sowing over 35 years ago. 2015 will be the 20th year of serious reaping. How sweet it is.
by mlebuf
Tue Dec 16, 2014 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8305

Re: "Why Retirement at 65 is a Fairy Tale"

Once upon a time, long long ago, there lived a generation of people who as a birthday present to themselves, wrapped up their careers when they turned 65 and, sporting a new gold watch on their wrists, headed south to Florida, never to step foot in an office again. They swung golf clubs, played end...
by mlebuf
Wed Dec 10, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 12051

Re: Exercise machine for small apartment?

About 15 years ago I bought a Diamondback Fitness semi-recumbent bike. It's very quiet, comfortable and durable. I changed the pedals once and had to replace the console display some years back. Other than that, it has been very reliable and is still going strong. I do 30 minutes of biking intersper...
by mlebuf
Thu Dec 04, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2115

Re: New Tony Robbins Book on Financial Freedom

For those interested in learning more about investing, rather than Tony Robbins' new book, I would recommend: The Bogleheads' Guide to Investing - Second Edition , by Mel Lindauer, Taylor Larimore, and Michael LeBoeuf and/or The Millionaire in You , by Michael LeBoeuf Thanks for the kind words, How...
by mlebuf
Wed Dec 03, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 90
Views: 21954

Re: Girlfriend with a LOT of Student debt.

After owning boats, airplanes and going through several bad marriages, a wealthy man said, "If it floats, flies or flirts, lease it." Weddings are all about love and divorces are all about money. Somewhere between 40 and 50 percent of marriages end in divorce and disagreements over money i...
by mlebuf
Tue Nov 25, 2014 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13833

Re: How to Plan for an Unknown Future

Hi Scott62, So, you are trying to plan for an unknown future. What other kind is there? I believe you have been on the planet long enough to know that life is full of surprises. From what I read, you are doing a great job of preparing for retirement and are on track have a long and prosperous one. I...
by mlebuf
Mon Nov 24, 2014 2:30 am
 
Forum: Investing - Theory, News & General
Topic: How to Plan for an Unknown Future
Replies: 23
Views: 2049

Re: 23 year old... Can I afford a Rolex?

Hi Marjimmy,

Before indulging yourself in conspicuous consumption, I suggest you read this small column written by someone who is just slightly older than you are:

http://www.fool.com/investing/general/2 ... t-see.aspx
by mlebuf
Sun Nov 23, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 16995
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