Search found 1524 matches

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: 37
Views: 2453

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: 154
Views: 14616

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: 34368

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: 34368

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: 34368

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: 2949

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: 2294

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: 1531

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: 2666

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: 5970

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: 54
Views: 8493

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: 13891

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: 2617

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: 26
Views: 7818

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: 2388

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: 12211

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: 12211

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: 12211

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: 8614

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: 2871

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: 2871

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: 1403

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: 6661

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: 1820

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: 1820

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: 12562

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: 12562

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: 6692

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: 4913

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: 2887

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: 613

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: 613

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: 4428

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.
by mlebuf
Sat May 09, 2015 2:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Phoenix/Scottsdale Chapter Meetup
Replies: 5
Views: 769

Re: Phoenix/Scottsdale Chapter Meetup

Hi Kevin,

Count me in as one who will be there.
by mlebuf
Fri May 08, 2015 7:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 2433

Re: Happy Birthday Mr. Bogle

Happy Birthday, Jack! Thanks to you we no longer have to ask, "Where are the customers' yachts?" A good number of them are owned by Vanguard investors. How sweet it is.
by mlebuf
Thu May 07, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 61
Views: 12833

Re: If I Knew Then What I Know Now

As to the net worth of homeowners vs. renters here are the facts: http://economistsoutlook.blogs.realtor.org/2014/09/08/net-worth-of-homeowners-vs-renters/ It's certainly possible to be a lifelong renter and become financially independent. But the odds favor home ownership for most people. The majo...
by mlebuf
Thu May 07, 2015 1:34 am
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2040

Re: Update - Author Advice - Choose Co-author?

Hello everyone, Today my book proposal got accepted for publication. I did it all on my own without a co-author. I appreciate all of your previous advice and support. I had wavered a bit, not knowing whether I could actually write well. Now I am really glad that I didn't pursue co-authorship! This ...
by mlebuf
Mon May 04, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Claims Title of World’s Largest Bond Fund
Replies: 20
Views: 2408

Vanguard Claims Title of World’s Largest Bond Fund

Just read this in "The Wall Street Journal" online: Pacific Investment Management Co.’s flagship Total Return fund ceded its title as largest bond mutual fund to rival Vanguard Group, according to April data released by both companies. Link: http://www.wsj.com/articles/pimcos-total-return-...
by mlebuf
Sun May 03, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should we increase umbrella policy for pool?
Replies: 6
Views: 994

Re: Should we increase umbrella policy for pool?

If you are worried about someone accidentally drowning or being injured in your pool, you might want to consider getting an automatic pool cover. One of our neighbors did that when his two children were small. The best medicine is preventive medicine. Another option is a pool fence.
by mlebuf
Fri May 01, 2015 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Too late for career change/worth it?
Replies: 44
Views: 6131

Re: Too late for career change/worth it?

I don't want to see myself at 50-55 with grease all over myself. You are thinking ahead and that's very important. Just keep in mind that there are two basic ways to make money: 1. Labor - You work hard for a paycheck. Most people never get beyond this step and live from paycheck to paycheck. 2. Ca...
by mlebuf
Thu Apr 30, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Too late for career change/worth it?
Replies: 44
Views: 6131

Re: Too late for career change/worth it?

Hi Joeinfla, By all means pursue and get a degree in a major that will open doors for you. Just be sure and graduate. The best time to increase your earning potential was 10 year ago. The second best time is today. In case you haven't read it, this is an outline of a talk I gave to college students ...
by mlebuf
Mon Apr 27, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 55
Views: 4289

Re: WP: Janitor accumulates $8 million estate

But there is also a cautionary tale about recognizing the value of your finite time here on Earth. Perhaps learning to enjoy life while you can is part of that equation. It really boils my blood when I see this assumption that you must spend spend spend in order to live a good, happy, & fulfill...
by mlebuf
Thu Apr 23, 2015 7:24 pm
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 3268

Re: What is a Boglehead?

Broker's worst nightmare.
by mlebuf
Tue Apr 21, 2015 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: 9 or 12 month salary?
Replies: 26
Views: 3727

Re: Teachers: 9 or 12 month salary?

When I was in my final semester of grad school and had accepted a job as an assistant professor in the coming fall, I had the option of getting my 9 month salary in either 9 or 12 paychecks. Financial logic has it that it's better to get the money in 9 paychecks and get more money upfront. Why give ...
by mlebuf
Sun Apr 19, 2015 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 49
Views: 8970

Re: Still having a hard time on retiring

I have many hobbies besides and I fish, hunt and hike that takes all my spare time now. As far as some part time work I could go to work tomorrow if I wanted to. If I do any part time work it will be a job that I can get my hands dirty and physical labor is where I want to be at. If that is the cas...
by mlebuf
Sat Apr 18, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 49
Views: 8970

Re: Still having a hard time on retiring

I want to leave at my peak not when I hate the place. Everything I read is just the opposite leave if you hate keep working if you love it. I have always danced to a different drummer but not before I fully have thought out things. Thanks again for the reassurance. That sheds a whole new light on y...
by mlebuf
Sat Apr 18, 2015 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 49
Views: 8970

Re: Still having a hard time on retiring

Hi Mule, Is this a joke? You have financial assets worth 70 times yearly spending and you are afraid to retire? If that is the case, there must be an issue other than money that concerns you..... unless you have enormous faith in medical science. :happy I retired early from my day job at 47. That wa...
by mlebuf
Fri Apr 17, 2015 2:57 am
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3586

Re: noise-blocking headphones

Some years ago I tried several brands of over-the-ear noise canceling headphones. The clear winner was Bose. They are like a Hollywood divorce: expensive but worth it. I use them when I fly. Plug them into my iPhone, play some soft music and arrive at my destination feeling relaxed and rested. To be...
by mlebuf
Tue Apr 14, 2015 7:09 pm
Forum: Investing - Theory, News & General
Topic: Very Few Soothsayers are Truth Sayers
Replies: 3
Views: 543

Very Few Soothsayers are Truth Sayers

This excellent article by Morgan Housel illustrates why we should pay no attention to economic and stock market forecasters, market timers, tea leaf readers, astrologers, and the like:
http://www.fool.com/investing/general/2 ... lnk0000003
by mlebuf
Sun Apr 12, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 4806

Re: Engineering as a career for a graduating HS student ?

Great information being provided on this thread. Mechanical Engineering is a very good major at worst for those endowed with a natural aptitude for it. With your son enjoying math and physics courses and working in hands-on competitions, he seems like a good candidate to become an excellent ME. I sp...

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