Bogleheads.org

*bump for visibility*

I'm sure someone here can you give you better advice than myself.

A ring……….and she gave me one. It was lovely.

I'm gonna say yes. I hope it does. I need some bargains.

I'll disagree, respectfully of course why not call the electric company and threaten to turn off service and get a better deal then the gas company then cell phone company etc Isn't calling threatening to quit service when having no intention of doing so, in order to get a cheaper bill kind of tack...

Where's the $0 option. I carry no cash.

Isn't calling threatening to quit service when having no intention of doing so, in order to get a cheaper bill kind of tacky at best and at worst unethical. I think a better more classy approach would be to ask nicely if there was any way to lower your bill. I have actually done this and yes it did...

hey man chill, i know you probably know more than some financial advisors and will be offering much better advice, but the key is that a lot of residents will see a frumpy program director who is a doctor by training talking about money matters and just not find it credible. now when a fancy financ...

Here is the response: I am sorry for the past experiences you may have had regarding seminars resembling the one that I have proposed. As you very well know, there exists a myriad of companies out there each functioning on their own agenda and not always looking out for the best interest of their c...

life is too short to ingest hepatotoxic liquids but that's just my opinion. Toilet Paper - I am not willing to buy cheap stuff. If Cottonelle ever goes out of business, it will be a very sad day for me. Alcohol - Life is too short to not enjoy what you drink. I didn't know beer was toxic. I'm screw...

You always have to be ready to walk away. I did multiple times until I got the deal I wanted. I don't mind the haggling at all. I rather enjoy it. I would buy a car from Amazon. As long as I could test drive it first.

I smoke good cigars, but I buy seconds. Much cheaper, and they are the same, except for perhaps a spot on the wrapper. So I smoke premium, but pay less. We drink Zephyrhills spring water at home; I suppose anything other than tap water is a premium product. I got hooked on Zephyrhills spring water ...

Ahhh…..65 Shelby Cobra. That's a car. If only you could find an original for less than these. (sorry, off topic I know)

http://www.hagerty.com/price-guide/1965-Shelby-Cobra

I like good cigars. Macanudo, Montecristo, H. Upmann, Cohiba, Ashton, and many more. Swishers/King Edwards just don't cut it.

I have both VBS account and mutual fund account. I received the notice electronically as did my wife.

I have been buying the relatively expensive pitted Kalamata olives to put in my Saturday Big Salad. They're close to $10/lb, but I don't use all that many. Charmin Ultra-Soft, worth it in the end[1]. By shopping smart, buying big packs on sale, that's not even that extravagant. 1. Sorry. Brian I'm ...

Go to cheap and you get what you pay for. Go to expensive and you generally overpay. I'm right in the middle with just about everything I purchase.

The costs of mutual funds/ETFS are now so low that it makes absolutely no difference unless you have tens of millions invested. This plan won't work and even if it did, your out-performance will likely be at most the expense advantage of your plan . Maybe you could buy a few cups of coffee with tha...

I just tore my kitchen out myself. It took about two full days to do it. I never got an estimate to do it as I am doing everything myself from start to finish. I did not rent a roll off to put the plaster/drywall in as I just bagged it in 1.1 mill heavy duty garbage bags and it worked well. I can on...

From what the OP posted it doesn't make sense. So move on and find a better rate. I shop around auto and homeowners at least once a year. You'll be glad you did.

I just had my driveway sealed tonight. Paid with cash and got a small discount. No receipt. Never even gave it a thought. Maybe I should have.

Interplanetjanet-- Really? No problem turning a manual over to valet parking? A bunch of really old guys must work there. I don't know anybody under sixty who has ever driven a stick. Except Mr. Money Moustache and the missus: http://www.mrmoneymustache.com/ And how do you know the attendant can dr...

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Keeping money in cash for home down payment in 3-5 years per additional info #2.

Whatever fits your needs.

I have identity theft insurance. It is only an additional $25 year along with my homeowners insurance. It just gives me peace of mind that if something happened, I do everything online, I won't be burdened with trying to restore my credit as well. At least that's what the fine print said.

In the weekend WSJ article, "The 100% Stock Solution", it states instances in which an all equity portfolio may be fitting. This strategy flies against Mr. Bogle's philosophy, or does it? Do any Bogleheads go full throttle with an all stock portfolio? I'd say even if you were 90/10 or so ...

I ask myself, are you sure that was the peak? And then I continue to invest monthly same as always.

fatlittlepig wrote:

robby152 wrote: I guess that means it isn't as bad for you?

haha believe what you want my friend

FLP

Sarcasm, anyone?

A little of both and definitely a lot of psychology. And math too.

Automatic rebalancing and automatic glide paths. Vanguard is doing the work. I guess they want to get paid. I'm ok with that.

Good story. Do it yourself. You're a Boglehead.

Target date fund.

OP is the original poster. That's you

Thanks for the post. Always remember why we have the freedom we do.

I tip for delivery but not take out.

Tell him/her that you like what has been set up for you, but can I get all those in index funds instead?

I've used the Target funds before. I currently use a Lifestrategy fund. There is no rebalancing needed as they do that daily. If you use a Target fund would have to watch it somewhat if the glide path is not following the asset allocation exactly as you want it. As long as it is held in a tax advant...

Make sure you have an emergency fund. If something big happens that you weren't planning on that 10K will go to something other than the student loans or credit cards. Then you'll be paying lots of interest. You should obviously aim for the higher interest loans first and then work your way down fro...

I don't know. That's why I put mine into a Roth and my wife's into a Traditional. Is that the right way to do it? I have no idea

I've had nothing but great customer service from Amazon. And I love the fact they have live chat so I can handle my returns or refunds right on the computer without having to go through a call menu or be placed on hold.

I would call and discuss the situation with the billing office. Sometimes, if you let them know you are paying cash you may be able to get a discount. At the facility I work at cash paying patients generally can get upwards of a 20% discount, if they ask. Above all else I would be nice to anyone you...

Levett wrote:The bravest people I've seen (some from family) are those dealing with terminal illness and yet affirming life.

Service in the military is overrated.

Lev

Obviously you have had service in the military then, no? [Personal attack removed by admin LadyGeek]

I have to admit that I haven't had to use "customer service" at financial institutions for quite a while. A couple of years ago we moved our checking account from BofA to USAA and never looked back. BofA made mistakes and charged fees. So far, we have never needed to interact with a human...

Thank you Jack for taking the time to post here. You are definitely a person that I look up to and respect. I always enjoy reading your books and watching you on television any chance I get. Here is to your continued health and longevity.

God Bless

Eric

We're doing a picnic tomorrow if the weather cooperates. And we also printed out a bunch of pictures and made a photo album. I let the little one color on the first page and helped him sign his name. The wife will love it. She is somewhat of a boglehead herself so I don't feel any pressure to spend ...

The Investors Manifesto

William Bernstein

It truly was an eye opener for me. And I could understand it with only minimal prior investing experience.

I just like it lower than the 1.5% I was use to. So the Lifestrategy fund I currently use is perfectly acceptable.

$50 seems appropriate to me. I also like the idea of the book.

Here's a different perspective, which depends on how well you know your future partner. My engagement ring was used. Used? Yup. The person my husband asked someone else first and she refused him - he kept the ring. I'm not going into details.... :wink: He knew I wouldn't care, and he was right. It ...

I wait until the last seconds to bid, it's exciting. Sometimes I get it, sometimes I don't. My heart races. Yes, sad I know. If I want it quickly I use buy it now or just go to Amazon.

Happy Birthday Jack! I sincerely appreciate all that you do.

Eric