Search found 60 matches

by Robconoclast
Sat Sep 30, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1380

Re: Would you recommend moving an Edwards Jones IRA to Vanguard?

https://www.fool.com/investing/general/2012/12/06/can-your-edward-jones-financial-advisor-really-ser.aspx A popular saying on here is "Run, don't walk from Edward Jones". After joining this community and learning how fees work it became more like Monty Python and the Holy Grail yelling "RUN AWAY !"...
by Robconoclast
Wed Sep 27, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 6508

Re: Personal finance help for those below/near poverty line

If your local library has a program guide I'd check it out too see if there are any free sessions with a CFA regarding getting out of debt or starting to invest. I'd also just take advantage of one's local library period for books, dvds, and Internet access to seek out forums like this or the sugges...
by Robconoclast
Fri Sep 22, 2017 9:32 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

Bob, Looking at my notes from June 10. Just confirming that we're meeting October 14, the second Saturday as we usually do and not the seventh. It'd give me a great reason to reschedule my appointment with my dentist :beer
by Robconoclast
Wed Sep 13, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4238

Re: How often do you put money in Vanguard

Automatic monthly deposits into our IRAs.
by Robconoclast
Wed Sep 13, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18251

Re: Is it really Worth it to brown bag your lunch at work?

Wife and I are brown baggers due to health issues and budgeting. Over the past 6 years I've watched most new guys in my department (usual new hire is between the age of 24-30) order out the first few months until they realize how much they are spending on a weekly basis, or enroll in our 401k (usual...
by Robconoclast
Wed Aug 23, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2276

Re: Can you recommend a good mouse trap?

https://www.amazon.com/dp/B01N4GVAP9/re ... Nzb1B8JD9Z I purchased these at Walmart. I place a dab of peanut butter as bait and it does the trick. Easy to release the body and reset. I feel it is humane compared to glue traps which my job used to use.
by Robconoclast
Sat Aug 12, 2017 9:44 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

On vacation :beer Are we still discussing the Warren Buffet article in October ?
by Robconoclast
Sun Jul 09, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 12081

Re: What do you splurge on?

Wine, cheese, and charcuterie when we attend outdoor Orchestra concerts . We don't eat out due to allergies, and always purchase the food and drink from Costco. Also the occasional cigar after attending our local BH chaptet meetings. While I'm watching my money burn it's a nice way to decompress.
by Robconoclast
Sun Jul 09, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How are you a leader in personal finance?
Replies: 29
Views: 3410

Re: How are you a leader in personal finance?

As a parent I hope my 3.5 year old son will never make the same mistakes I did 18 years ago when I got a credit card and maxed it out :oops: Whenever I give him a coin for one of his piggy banks I tell him it's important to save. Now I hear "Look daddy, I'm a saver !'". I'm sure that one day I'll te...
by Robconoclast
Sat Jul 08, 2017 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

Unless anything changes the next two meetings are August 12 and October 7 at the North Royalton library :beer
by Robconoclast
Fri Jun 16, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17377

Re: Poll: 401K Match

We receive a 25% match up to a 6% contribution. Profit sharing up to 7.5% of prior year's gross income. Vested after three years
by Robconoclast
Sat Jun 10, 2017 2:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

https://youtu.be/iLJW70gjDFE While there was a focus on podcasts today I was curious if anyone had heard of Your Money, Your Wealth. They are two advisors who hosted radio show before starting a series on youtube. I think it's a good show for novice Bogleheads as they share the same philosophy and b...
by Robconoclast
Mon Jun 05, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 22
Views: 2614

Re: Edward Jones

As long as you are fine with %5.25 upfront and %2.0 ongoing charges I'm ok, not what I would do. I was with Edward Jones for nine years before discovering this board, the Boglehead philosophy, and this ugly truth. A manager recommended me to his advisor and I went with EJ without doing any research...
by Robconoclast
Thu May 18, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 12899

Re: Single most important investing advice?

Not advice, but I was a cook making $ 9.50 an hour 11-12 years ago when a manager asked me if I had ever thought about retirement. Second best piece of advice was to leave Edward Jones a year ago yesterday after discovering this board 2 years ago.
by Robconoclast
Tue May 09, 2017 8:22 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

I have June 10 at the North Royalton branch listed in my notes from the last meeting.
by Robconoclast
Fri Jan 27, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3898

Re: Possbile career moves without college degree

I'm 35 and come from a similar background. Rough childhood, food service industry for ten years, and used credit cads for impulsive purchases until the age of 25. I could have went into management, but I tried community college and failed. If he wants to stay in the food industry I'd defanitely put ...
by Robconoclast
Sat Dec 10, 2016 3:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 17134

Re: How Did You Become A Boglehead? What Led You Here?

A couple years ago my brother in law lent me two books, The Coffeehouse Investor and Your Money Ratios. Coincidentally at the same time someone I know told me about this forum and our local Boglehead chapter. I began to stockpile the books listed on the Boglehead homepage, attend our chapter's meeti...
by Robconoclast
Sat Dec 10, 2016 11:07 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

If you could post the date for the first meeting of the new year it'd be greatly appreciated.

Happy holidays everyone
by Robconoclast
Fri Nov 04, 2016 9:26 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

Has a date & topic been selected for the next meeting ?
by Robconoclast
Fri Oct 14, 2016 8:57 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

Working the next few Saturdays. As a Browns fan would say...maybe next year
by Robconoclast
Thu Sep 22, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 41782

Re: The Bogleheads' "100 Things Worth Every Penny" List

Dr. Scholls heavy duty gel inserts
Costco's Medium Roast House Blend Coffee $9.99, for 2 pounds, whole bean
Tickets for the Cleveland Orchestra during the summer...along with a few bottles of wine
Cleveland Indians tickets with my family and best friend
Amazon Prime
by Robconoclast
Sun Aug 21, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 9801

Re: What is your system for dealing with coins?

1.) My change jar in my car for occasional parking meters downtown when I go to a show. 2.) My "piggy bank", which is a glass gallon jug in my closet. 3.) Mostly my 2.5 year old son's piggy bank. A few months ago we received $20.00 in pennies from my wife's great Uncle. I counted them one ...
by Robconoclast
Sat Aug 20, 2016 2:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

I hope I'm not violating forum policy/etiquette with this post. Last meeting the idea was presented to have a book borrowing system where we'd lend books to each other and trust one another to return them. I noticed on Amazon that all the books listed as recommended reading have been greatly reduced...
by Robconoclast
Wed Aug 17, 2016 6:55 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 25603

Re: Is there a such thing as a blue collar Boglehead?

Occasionally brewery people hear it from tourists. "Your job is pretty/so cool, too bad it's not a real job/you don't make much money". We have to keep a poker face and bite our tongues. Huh. Whenever I've heard something like that, it's always been in the context of "It's not work i...
by Robconoclast
Wed Aug 17, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 25603

Re: Is there a such thing as a blue collar Boglehead?

35 years old, Bottling Line Operator for a microbrewery Do I have a real job ? Well, our bills and mortgage are quite real. Our 401ks, Roth Iras, and son's 529 are quite real. I bite my tongue when people tell me that I don't have a real job Why would anyone think you do not have a real job? Very c...
by Robconoclast
Wed Aug 17, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 25603

Re: Is there a such thing as a blue collar Boglehead?

35 years old, Bottling Line Operator for a microbrewery Do I have a real job ? Well, our bills and mortgage are quite real. Our 401ks, Roth Iras, and son's 529 are quite real. I bite my tongue when people tell me that I don't have a real job Why would anyone think you do not have a real job? Very c...
by Robconoclast
Wed Aug 17, 2016 11:02 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 25603

Re: Is there a such thing as a blue collar Boglehead?

35 years old, Bottling Line Operator for a microbrewery making $32,000 a year not counting optional overtime during our busy season. I tried taking classes at a community college (wanted to be a history teacher) and was an honor student...except for math. Gave up after failing Probably & Statist...
by Robconoclast
Tue Aug 16, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Knowing what you know now...
Replies: 22
Views: 2988

Re: Knowing what you know now...

No, because I wouldn't have learned my lesson and have a friend inform me about this forum. I've been attending local meetings for nearly 2 years now and greatly enjoyed learning. Nor would I have chosen my current job in an industry I love, with a generous 401k with access to great Vanguard funds. :sharebeer
by Robconoclast
Mon Aug 01, 2016 10:15 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

My apologies...I just went through my notes from the last meeting and I am at fault. August 13 it is. :oops:
by Robconoclast
Sun Jul 31, 2016 11:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

Hello, hope everyone is enjoying their summer. Just wanted to see if the next meeting is till on for August 6.
by Robconoclast
Wed Jun 22, 2016 10:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2616
Views: 833746

Re: What Book Are You Currently Reading? Part VI

Falling Short by Charles Ellis, Alicia Munnell, and Andrew Eschtruth. I'm 35 and in my opinion it defanitely is aimed towards the baby boomer generation. I find it repetitive at times (regarding auto enrollment into 40lks and working until 70) and I can't relate with it. Next is Bernstein's Four Pil...
by Robconoclast
Sun Jun 05, 2016 6:01 pm
Forum: Investing - Theory, News & General
Topic: Biggest investing myths
Replies: 39
Views: 4231

Re: Biggest investing myths

A person needs several thousand dollars in order to start
by Robconoclast
Fri Jun 03, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones, but are they having the last laugh.
Replies: 4
Views: 1832

Leaving Edward Jones, but are they having the last laugh.

I received an email from Vanguard stating that the fund transfer from EJ is complete, but there is still $20.00 left in an IRA. I am curious if this has happened to anyone else that has left Edward Jones. On top of the hundreds of dollars I lost by leaving them via fees, is this a technical error or...
by Robconoclast
Thu May 26, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Another thread about leaving Edward Jones (thank you Bogleheads)
Replies: 3
Views: 702

Re: Another thread about leaving Edward Jones (thank you Bogleheads)

I don't post often as alot of people will answer questions others ask, but I've been attending the meetings for our local chapter in Cleveland and have learned alot thanks to all of you. Cheers !
by Robconoclast
Thu May 26, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Another thread about leaving Edward Jones (thank you Bogleheads)
Replies: 3
Views: 702

Another thread about leaving Edward Jones (thank you Bogleheads)

I just would like to thank this community for being open about sharing their experiences with Edward Jones, and for posting numerous links to articles and threads exposing their treachery. I made the switch to Vanguard this past Monday after a decade at EJ (age 25-35), and after months of researchin...
by Robconoclast
Fri Apr 22, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I Invest?
Replies: 15
Views: 1479

Re: Should I Invest?

Yes. I was washing dishes at that age for $8.00 an hour and wish I knew we had a 401k available to participate in. It might not have been much, but now at the age of 34 I'd probably have a few more thousand dollars thanks to tone and compound interest. Please do ! :sharebeer
by Robconoclast
Thu Apr 07, 2016 10:48 am
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 22887

Re: NE Ohio (Cleveland Area) Master Thread

Is the next meeting still on for this Saturday ?
by Robconoclast
Fri Jan 15, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 7166

Re: What's your company 401k contribution

I receive a 25% match of the 6% I put in (they stop matching after that). Profit sharing yearly can be up to 7.5% of my income for the prior year.
by Robconoclast
Thu Jan 14, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 8822

Re: What would you tell your 25 yr old self?

1.) Take advantage of your vacation time and relax for two weeks a year
2.) Congrats on opening a Roth IRA, but invest 12% of your income, not just 6
3.) See #1

I was 26
by Robconoclast
Sun Dec 06, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Investing and Coworkers
Replies: 57
Views: 7667

Re: Investing and Coworkers

During orientation our HR department explains how the 401k works and explains the concept to new team members. Occasionally during a quarterly meeting one of the three financial advisers hat we have free access to comes in and gives a lecture about what stocks, bonds and mutual funds are, explains w...
by Robconoclast
Sun Dec 06, 2015 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS
Replies: 49
Views: 4943

Re: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS

From one 34 year old Cleveland factory worker to another investing is like the Browns...don't say maybe next year because when you retire you'll live in a factory of sadness. I started by investing $100 a month into a Roth IRA so don't be discouraged, time is on your side. Welcome aboard.
by Robconoclast
Sun Nov 29, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Purchasing a telescope as a gift
Replies: 13
Views: 1580

Purchasing a telescope as a gift

I'm curious if there are any stargazers that can help me out. My siblings and I wish to purchase a telescope for my father for Christmas. Looking to spend no more than $150 unless my siblings agree to pitch a little bit more. Any help is greatly appreciated. Thanks !
by Robconoclast
Thu Nov 26, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 5730

Re: I received 'Money' magazine for free. Anyone read it?

I had a subscription before I found this forum. I mainly read it for the interviews now and won't be renewing my subscription. I'd just checkout their website for the same articles.
by Robconoclast
Wed Nov 18, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone gone from 0 to 100?
Replies: 55
Views: 7683

Re: Has anyone gone from 0 to 100?

You have taken the first step by starting today. The only way to go from 0 to 100 is to win the lottery. The videos posted here are a good place to start educating yourself. Once you learn about the power of compound interest you'll see that at your age time is on your side.
by Robconoclast
Wed Nov 18, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What was your eureka! Boglehead moment?
Replies: 86
Views: 9696

Re: What was your eureka! Boglehead moment?

My job hired three new financial advisers that we can call anytime for free advice. The old adviser told us just to use target funds and seemed pretty condescending . When the new advisers introduced themselves at our quarterly meeting they gave a great lesson about the importance of starting savin...
by Robconoclast
Tue Nov 17, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What was your eureka! Boglehead moment?
Replies: 86
Views: 9696

Re: What was your eureka! Boglehead moment?

My job hired three new financial advisers that we can call anytime for free advice. The old adviser told us just to use target funds and seemed pretty condescending . When the new advisers introduced themselves at our quarterly meeting they gave a great lesson about the importance of starting saving...
by Robconoclast
Wed Oct 28, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Clearing brush -- electric wood chipper?
Replies: 23
Views: 1729

Re: Clearing brush -- electric wood chipper?

Does your city offer free brush pickup ? I'd call your local service department to see if they do, and if so ask how much they can haul away.
by Robconoclast
Tue Oct 06, 2015 10:01 am
Forum: Local Chapters and Bogleheads Community
Topic: [Bogle T-Shirt Iron-On]
Replies: 16
Views: 2454

Re: Bogle "Che Guevera" T-shirt

zotty wrote:
clast wrote:"Nobody knows nothin'"


You've nailed it. 3 words, slightly punk rock, and 100% true.

Kinda nihilistic if nothing can be known so the punk aspect is backed :twisted: