Search found 268 matches

by Winthorpe
Sat Aug 06, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 98
Views: 9806

Re: Suckered into Marriott Kauai Timeshare Presentation

I don't know how people expose themselves to these things. No amount of sales pressure can force me to do anything. That doesn't mean however my blood pressure wouldn't spike through the roof at one of these things. +1....is the freebie really worth it? I've been to Hawaii several times. My family'...
by Winthorpe
Sat Aug 06, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 52
Views: 4709

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

I do worry a little, to be honest, that roth conversions might not always be a thing. I don't want this to stray into some hypothetical congressional discussion, but much as we aknowledge tax rates could be lower or higher in 30 years, it's possible roth conversions won't be allowed for an infinite...
by Winthorpe
Sun Jul 24, 2016 3:28 am
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 4583

Re: What is this strange piece of scientific glassware?

In addition to modhopper's comment, large research universities often have dedicated glassblowers who design scientific glassware for unique reactions and experiments. The LA Times recently did a story on this. I would guess that this is some kind of pressure gauge. Yes. All large universities have...
by Winthorpe
Sun Jul 24, 2016 3:15 am
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 4583

Re: What is this strange piece of scientific glassware?

It's called a McLeod gauge, used to measure very low pressures (i.e. vacuum down to 10 -6 torr) Yes. I used one of these every day during my research days (PhD in synthetic organic chemistry). This one looks like it's probably from the 1950s or 60s. We would use it while evaporating volatile solven...
by Winthorpe
Tue Jul 19, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6998

Re: HOA Swimming Pool Trespassing Issue

Consider auditory deterrents. Opera on a loop, or random high volume high frequency sounds inaudible to adults, e.g. http://www.telegraph.co.uk/news/uknews/1510610/Plagued-by-teenagers-Youll-like-the-sound-of-this.html. I really like this idea of the high frequency whistle, as long as it doesn't dr...
by Winthorpe
Wed May 25, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 29
Views: 2093

Re: Zenni Optical

mbcruiser wrote:The online "try one on" feature works pretty well.


I agree. If you upload a close-up, head-on photo to Zenni, you can "try on" different glasses. My wife and I both used this feature, and it worked pretty well.
by Winthorpe
Wed May 25, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 29
Views: 2093

Re: Zenni Optical

I have purchased 2 pairs from Zenni. My wife has reluctantly (at my urging) also purchased 2 pairs from Zenni. We are both 100% satisfied. I like both my Zenni pairs better than previous glasses that were > $500 per pair. What a total rip-off. I encouraged my wife to order 2 pairs in case she didn't...
by Winthorpe
Fri Apr 15, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to draw down accts in retirement
Replies: 9
Views: 1569

Re: How to draw down accts in retirement

There is a new book just released on exactly this topic. I haven't read it yet, but the reviews I've come across have been very good. I have a hold on it with my public library. It's "how to make your money last" by Jane Bryant Quinn. I would consider her a no nonsense financial journalist...
by Winthorpe
Fri Mar 18, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 107
Views: 14721

Re: [Vanguard Core Bond Fund opens to investors]

I am a passive investor not because of efficient market hypothesis but because of the cost matters hypothesis. So active funds with low expenses are worthy of a look for me. I do like that the fund allows for some movement into high yield, because I always though it was strange to have a "tota...
by Winthorpe
Fri Mar 04, 2016 11:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Continuing Ed Suggestions
Replies: 2
Views: 908

Re: Continuing Ed Suggestions

My favorite is "The Retirement Savings Time Bomb...and How to defuse it"
by Winthorpe
Wed Feb 03, 2016 3:50 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 66
Views: 11534

Re: Recent Vanguard Trouble

I'll provide perspective from the other side. I've been a Vanguard customer for about 10 years. I have traditional, Roth, taxable, linked bank accounts. I've done rollovers from 401k and 403b. I helped my parents transfer all assets from Ameriprise to Vanguard a few years ago. The Vanguard rep who h...
by Winthorpe
Mon Feb 01, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bank recommendation
Replies: 50
Views: 5459

Re: Online Bank recommendation

I used Schwab checking and savings account for many years.

One year ago I switched to Ally bank checking and savings.

Ally bank is better because I earn more interest. Security seems fine for both banks.

Winthorpe
by Winthorpe
Wed Jan 27, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Are these two funds "substantially identical?"
Replies: 18
Views: 825

Re: Are these two funds "substantially identical?"

I go by the guideline provided by Kaye Thomas. He says if you can overlay the price chart of one fund on the other and not see a significant disparity, then they should be considered substantially identical for purposes of the wash sale rule. I think that according to this, you're two funds might be...
by Winthorpe
Sat Jan 09, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 7772

Re: I'm curious if over-weighting equity investors still ok?

As far as considering pensions, social security and other fixed sources of income in determining an appropriate asset allocation as being "inventive," that is just plan wrong. This sources of income should definitely be considered; if you do any reading on asset allocation, you will see t...
by Winthorpe
Sat Jan 09, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 7772

Re: I'm curious if over-weighting equity investors still ok?

As an age-in-bonds guy who has passed up some bigger gains over the past few years, I'm wondering if the age-in-bonds + 20 or so crowd is getting nervous after this week, or committed to sticking it out? I've always been about 90% equities. The other ~10% is cash cushion. This week? In the last 5 d...
by Winthorpe
Sun Jan 03, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Ariens Snowblower Conundrum
Replies: 30
Views: 2325

Re: Ariens Snowblower Conundrum

Here is a suggestion I don't think has been presented yet: Get your money back. Drive to the nearest Honda dealer and get yourself one of the best snowblowers on the planet. I have a track drive hydrostatic Honda ($3500) that I purchased a few years back. I LOVE that machine. Quality is top notch. A...
by Winthorpe
Sun Jan 03, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 2262

Re: Minivan or SUV?

Geez, I'm a little surprised about all the talk of the coolness factor surrounding minivans/SUVs. Really? Are we in 7th grade again? I don't have a minivan yet but I'm a little envious sometimes of those who do. Easily the most practical and versatile vehicles ever. I'm holding out for the Toyota si...
by Winthorpe
Sun Jan 03, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 4643

Re: Minivan or not?

Delete
by Winthorpe
Wed Sep 02, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: I have a Confession...Dave Ramsey...Help!
Replies: 70
Views: 9339

Re: I have a Confession...Dave Ramsey...Help!

This is amazingly incorrect. I guess it is the sort of commonly accepted nonsense people tell themselves. A large number of the self made wealthy get there by taking risks. Risks that usually involve leverage/debt. This is true. Many wealthy and successful small business owners started out on the e...
by Winthorpe
Wed Sep 02, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: I have a Confession...Dave Ramsey...Help!
Replies: 70
Views: 9339

Re: I have a Confession...Dave Ramsey...Help!

Hi Meg. Welcome to the club....Dave-aholics anonymous. Seriously, I started listening to Dave purely for the entertainment value and to chuckle at his mostly idiot audience. 50% of what he says is golden (get out of debt, real estate, work hard and advance career-wise). The other 50% ranges from OK ...
by Winthorpe
Thu Aug 20, 2015 3:24 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 11426

Re: anyone treating this as an RBD (really bad day)

I'm with Toons on this one.

Really Fantastic Day as far as I'm concerned. Today I finally harvested some big losses and also dumped a load into the 529s for the kids.

Now I am off to mow the lawn with a big smile on my face. :beer
by Winthorpe
Sun Aug 09, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 14290

Re: Did a dumb thing

It is that we are reading the analysts who say the Fed has ruined the economy and the only reason the market is up is due to their controlling interest rates as they have been. They also indicate there will be a crash of epic proportions when the Fed starts raising rates. So this is why we are fear...
by Winthorpe
Sun Aug 09, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 14290

Re: Did a dumb thing

They have some interesting thing where they guarantee losses up to a point but keep gains above a certain amount. No fees, oddly enough. The thing I mentioned above - take it out of VG funds and put it into funds tied to the S&P 500 and one other (forgot now which) and let them offer protection...
by Winthorpe
Wed Jun 03, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: Rowing Machines
Replies: 27
Views: 2461

Rowing Machines

I always value the opinions of the Boglehead community. I am thinking of purchasing a rowing machine. My lower back has been a weak spot for most of my adult life, and I was thinking that a rowing machine might be a good way to strengthen this area while providing a cardiovascular benefit as well. I...
by Winthorpe
Mon Mar 16, 2015 12:32 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1835
Views: 419681

Re: What Movie Have You Recently Watched?

Gone Girl -- I thought is was excellent. It started out slowly, and I was beginning to get bored. After the first 45 minutes or so, it got exponentially better up to the very end. Unique plot and unpredictable.
by Winthorpe
Mon Mar 16, 2015 12:12 am
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 14580

Re: What does a $1M portfolio look like?

There are a very small number of persons with a 1 million dollar tax sheltered portfolio that's not a Keogh. I bet there are plenty more than you'd think, at least among Bogleheads. A husband and wife both maxing 401ks + employer match, both maxing Roth/tIRA, and some tailwinds from the market can ...
by Winthorpe
Tue Jun 03, 2014 12:36 am
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 23259

Re: Favorite guitarist...

I stumbled across this old yet interesting thread. I love the legends, too - Hendrix, Clapton, Stevie Ray Vaughan. After reading through all the posts, I find it hard to believe that nobody (unless I missed it) has mentioned Joey Bonamassa. Any Bonamassa fans out there? He's younger than the rest, b...
by Winthorpe
Tue May 13, 2014 11:07 pm
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6851

Re: Stock Market to Plunge? What a friend said.

I actually knew about the upcoming market plunge almost a year ago, long before your coworker. On Fox news I saw a Goldline commercial, and they showed a clip of an expert saying that we were in the midst of the worst stock market bubble in history (true story). So, I've been sitting on all cash and...
by Winthorpe
Tue May 13, 2014 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: 2.5 mil to 10 mil - are we on track
Replies: 91
Views: 10647

Re: 2.5 mil to 10 mil - are we on track

You may be right... You may also be wrong... I could be right... I may also be wrong. Like I said I may be wrong... But you may be right. But you may be wrong. Like I said I may be wrong... I guarantee there were people in 1979 who could give reason after reason why the stock market would not do we...
by Winthorpe
Fri May 02, 2014 12:53 am
Forum: Personal Consumer Issues
Topic: Aquarium Math Question
Replies: 12
Views: 1376

Re: Aquarium Math Question

But we are making the assumption the contaminants do not evaporate and only water evaporates. Your assumption is correct. Evaporation will change your water chemistry over time. Over enough time, the water in the tank can become quite different from your tap water, because only water leaves the tan...
by Winthorpe
Sun Apr 06, 2014 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 10114

Re: Why pay off your house?

What avalpert says is what I believe - it comes down to what you would otherwise do with the same money. Assume a 4% mortgage. If your choice is prepaying the mortgage or going on a shopping spree, prepay the mortgage. If your alternative is parking the money in a savings account or CD at today's r...
by Winthorpe
Sat Mar 22, 2014 1:54 am
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 4592

Re: Prius performance in extremely hot climates

I have a 2012 Prius V wagon. Average over 40k miles is 53 mpg. I live in Wisconsin and drive from -20F up to 100F. The prius hates cold weather. I do full grill blocking for the winter. Even then, if temp is below -5F I have a difficult time getting better than 35mpg. The reason is that you get your...
by Winthorpe
Sun Jan 19, 2014 2:54 am
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 5194

Re: POLL: Investing vs. pay down mortgage feelings

If one accounts for risk in his math calculation (and isn't explicitly making a simultaneous decision to increase risk), he'll generally conclude to pay down the mortgage -- if one doesn't account for risk, he'll generally conclude that investing is what the numbers tell him to do. This is not alwa...
by Winthorpe
Thu Jan 09, 2014 11:41 pm
Forum: Personal Consumer Issues
Topic: Trouble trusting US healthcare
Replies: 70
Views: 3839

Re: Trouble trusting US healthcare

My old dentist was into upselling. I didn't like it, so I switched to a different practice. Now, no upselling I had a similar experience. 1999-2002 I lived down south. Had routine cleanings. DDS would do his exam and each time say everything looks great. No selling. 2002-2006 Moved to Iowa. New DDS...
by Winthorpe
Sun Jan 05, 2014 3:19 am
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 7586

Re: How much did your credit card rewards cost you in 2013?

I use a credit card to help me to spend more. It divorces me from the psychologic pain caused by using cash. Chronic oversavers like most Bogleheads sometimes need assistance in spending. Perhaps a bit tongue in cheek, but your assumption that spending more is bad isn't necessarily correct. I save ...
by Winthorpe
Sun Jan 05, 2014 3:05 am
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 7586

Re: How much did your credit card rewards cost you in 2013?

Wow. I'm just a little surprised that this has been such a polarizing poll. I think Dave Ramsey has convinced many that credit cards are the devil. For most of his following, credit cards are the devil. Then again, the people that hang on his every word are typically unsophisticated types whose fina...
by Winthorpe
Tue Dec 24, 2013 1:04 am
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 4045

Re: Women Better Investors Than Men?

If my wife were in charge of the finances, we would probably have about $500k in our checking account at this point and that's about it.
by Winthorpe
Tue Dec 17, 2013 2:30 am
Forum: Investing - Theory, News & General
Topic: Looking for Boglehead John Edwards
Replies: 7
Views: 1649

Re: Looking for Boglehead John Edwards

Boy...what a bunch of smart alecks around here. :happy
by Winthorpe
Tue Dec 17, 2013 2:18 am
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 7133

Re: Best cheap Motel for overnight stay?

Before having kids, my wife and I always stayed at Motel 6. We are both frugal so cheapest was best. A bed, a toilet, and a shower was all we needed. A gang banger party next door was just a free bonus.....Seriously though, our Motel 6 stays were always crime-free. Now with 3 little ones, we go &quo...
by Winthorpe
Sun Nov 24, 2013 7:21 pm
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 6627

Re: Recommend a good pair of slippers!

As I type I'm wearing a pair of Ugg Scuff Romeos that I bought 7 years ago (only $65 back then). The quality is fantastic. If I don't get bored with them first, I suspect they will last another decade. The bottom is matted down, and has been for years, but they are comfy and cozy as ever. http://www...
by Winthorpe
Fri Nov 22, 2013 1:39 am
Forum: Personal Finance (Not Investing)
Topic: Getting Married at/after 50
Replies: 109
Views: 11623

Re: Getting Married at/after 50

Wow...After reading this thread a bit, I'm thinking that I live a very charmed life. My wife (first and only wife) and I work full-time in the same profession, so we actually do earn the same amount of money. Our pay direct deposits into one checking account and immediately becomes OURS. We discuss...
by Winthorpe
Thu Nov 21, 2013 3:54 am
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 114
Views: 12026

Re: who here is tempted to pullback on stocks?

I'm not tempted to pullback. Historically, the S&P 500 has been at or near all-time highs more often than not. Think about it that way. I'll be accumulating for at least another 10 years. I'm currently 90:10 stock:bond. It's not nearly as fun buying stock as it was late 2008/early 2009, but I wi...
by Winthorpe
Thu Nov 21, 2013 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Getting Married at/after 50
Replies: 109
Views: 11623

Re: Getting Married at/after 50

Wow...After reading this thread a bit, I'm thinking that I live a very charmed life. My wife (first and only wife) and I work full-time in the same profession, so we actually do earn the same amount of money. Our pay direct deposits into one checking account and immediately becomes OURS. We discuss ...
by Winthorpe
Wed Nov 20, 2013 1:39 am
Forum: Investing - Theory, News & General
Topic: Is It TIme to be Nervous About Municipal Bonds?
Replies: 25
Views: 2341

Re: Is It TIme to be Nervous About Municipal Bonds?

All of my bond holdings are in Vanguard municipal bond funds. I wouldn't want to hold individual issues or a fund holding too many low-quality municipal bonds. I like Vanguard's muni funds because they are well-diversified and managed conservatively. I feel confident having a portion of my money inv...
by Winthorpe
Wed Nov 13, 2013 3:25 pm
Forum: Personal Consumer Issues
Topic: Call Received with Deceptive Caller ID
Replies: 46
Views: 7752

Re: The BEST way

davebarnes wrote:http://www.youtube.com/watch?v=-7OgWcwgB50

You won't regret spending 3 minutes of your life listening to this.


Brilliant.
by Winthorpe
Wed Nov 13, 2013 3:08 pm
Forum: Investing - Theory, News & General
Topic: If want a good laugh watch this [advisor] video
Replies: 41
Views: 4655

Re: If want a good laugh watch this video

Wow. That's a great sell-low and buy-high strategy. Why in the world would he put this video out there?! He should try to find a period during which his strategy precluded a large loss and make a video about that. Maybe his strategy hasn't worked yet. I like Warren's advice better....be greedy when ...
by Winthorpe
Wed Nov 13, 2013 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: I had "that" conversation yesterday with my CEO
Replies: 19
Views: 3352

Re: I had "that" conversation yesterday with my CEO

indexfundfan wrote:
ssquared87 wrote:What's ER?

Early retirement.


I was wondering why he was expense ratioing.

Anyway, congratulations.
by Winthorpe
Tue Nov 05, 2013 1:32 am
Forum: Investing - Help with Personal Investments
Topic: Should I leave my old 401k w/ JP Morgan or move 2 Vanguard?
Replies: 8
Views: 1374

Re: Should I leave my old 401k w/ JP Morgan or move 2 Vangua

I would move to Vanguard.

Exception: If you put $5500 into a Roth IRA via the "backdoor" route, I would leave it be or move to your new 401k (whichever is better).
by Winthorpe
Tue Nov 05, 2013 1:01 am
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 3483

Re: winter wool jacket

For a wool jacket: Giesswein

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