Search found 1258 matches

by catdude
Mon May 22, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: Index fund investor donates millions
Replies: 12
Views: 2102

Index fund investor donates millions

Hi Bogleheads, Here's a story from the Washington Post about a guy who would feel right at home here. He drives a pair of Buicks. “To me, if it has four wheels and moves, I’m happy,” he said. “Buicks have good repair records.” You would never guess that Mitchell E. Davis has donated more than $4 mil...
by catdude
Sat May 20, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1000

Re: iPhone GPS apps

Hi, OP here. Thanks everyone for your suggestions... I'm much obliged. I've downloaded a few of your recommended apps to my phone and will check them out...
by catdude
Fri May 19, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1000

iPhone GPS apps

I bought an iPhone SE about a month ago and lately I've been using it as a GPS device in my car. I've been trying out the free Waze app and it seems pretty good. Just wondering if y'all have tried out other GPS apps and if there are any you can highly recommend. My preference is for free apps -- I'm...
by catdude
Thu May 18, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12305

Re: For those with $500k-$1m in investments...

Age 61, been retired for 6 years... 18% of portfolio is in taxable, 82% in tax-advantaged...
by catdude
Tue May 16, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2209

Re: Few days in Portland in July

MichaelRpdx wrote:I'm surprised no one yet has mentioned Powell's City of Books. A full city block and three stories tall, it's a shrine to the printed page. Get a map on your way in.


Another vote for Powell's (located at 10th & West Burnside). A must-see place if you're a book lover.
by catdude
Sat May 13, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: Praise for Roth IRA conversions in retirement, a bonus for early retirees
Replies: 11
Views: 1924

Re: Praise for Roth IRA conversions in retirement, a bonus for early retirees

Thanks for your post. As some who's early in the process of doing Roth conversions, it's very helpful to have the perspective of someone who's done it for many years. Glad to hear it's worked out well for you. I'm 61 and I've done Roth conversions the last couple years... I've got 9 or 10 years to g...
by catdude
Fri May 12, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 23
Views: 3558

Re: Beware Citibank Bonus Promotion

after hearing how many of you had similar problems, I'll go somewhere else. Chase is more reputable - I got my bonus no hassle. That is ridiculous on their part - spread the word I guess. Chase is indeed easy to deal with. I set up accounts and got their bonus about a year ago... no trouble at all....
by catdude
Fri May 12, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: edward jones guided solutions/grandfathered
Replies: 13
Views: 1329

Re: edward jones guided solutions/grandfathered

Duckie is right. Lose Edward Jones ASAP.
by catdude
Fri May 05, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 13638

Re: Most Common Financial Mistakes

Outside of living above means (too much car, too much house, too much credit card, etc) I think the single biggest mistake is that people don't take the time to educate themselves about saving and investing. Even the most basic level. A few days of research about basic investing principles could sa...
by catdude
Tue May 02, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 3652

Re: I'm kinda sorta in the 2-comma club

Out of curiosity, what do you anticipate your taxes to be? I am assuming mine will be pretty low since I plan on converting as much as I can to a ROTH IRA while my income is low. Also, do you factor in the taxes on your taxable account? or do you assume the long-term gains to be 0% if income is low...
by catdude
Tue May 02, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 3652

Re: I'm kinda sorta in the 2-comma club

Congratulations! And I love your avatar of your cat. Thanks, but I have to confess that's not my cat. I grabbed that avatar off the internet. I have all kinds of awesome pics of my four awesome cats, but I wasn't able to shrink any of them down to avatar-size. BTW, my kitties are all senior cats, a...
by catdude
Tue May 02, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8666

Re: Dealing with regret

As an old friend of mine once told me, "Everybody makes mistakes. That's why they put erasers on pencils and spittoons in bars."
by catdude
Tue May 02, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 3652

I'm kinda sorta in the 2-comma club

Y'all, I've hit a milestone -- more or less. As other folks have noted when they've reached this milestone, you can't really talk about it to non-Bogleheads, but I'll share with all of you the news that I've reached a net worth of a million dollars (this includes my home equity). Now, a large portio...
by catdude
Sun Apr 30, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8666

Re: Dealing with regret

OP, we've all made dumb moves. That's how we get our education. In my case, one of my many mistakes was to not start investing till roughly age 40. This was in the mid-1990's. I missed out on most of one of the greatest bull markets in history. :oops: I get a little regretful sometimes when I think ...
by catdude
Sun Apr 23, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: Any golfers played Bandon Dunes on the Oregon coast?
Replies: 5
Views: 607

Re: Any golfers played Bandon Dunes on the Oregon coast?

CJC000 wrote:You can fly into PDX, rent a car and drive down the beautiful Oregon coast


This is very good advice, the Oregon coast is wonderful and well worth the trip all by itself.
by catdude
Fri Apr 14, 2017 3:41 am
Forum: Personal Consumer Issues
Topic: iPhone SE on sale at Consumer Cellular for $200
Replies: 4
Views: 737

iPhone SE on sale at Consumer Cellular for $200

Howdy y'all - I just noticed that Consumer Cellular currently has the Apple iPhone SE (32 GB) for $200. That's half of what Apple is offering it for ($399). https://www.consumercellular.com/Products/821/Details I'm really tempted to buy one... though my current phone (the Moto X) is pretty groovy. B...
by catdude
Fri Apr 14, 2017 3:17 am
Forum: Personal Consumer Issues
Topic: Amazon Dot sound quality w/o other speakers
Replies: 7
Views: 546

Re: Amazon Dot sound quality w/o other speakers

We use an echo dot in the kitchen and also have a bluetooth speaker in another room. When listening to music, the quality of the bluetooth is much preferred. If it is being used in the kitchen without the bluetooth speaker, the quailty is similar to a typical single speaker clock radio. Works fine ...
by catdude
Wed Apr 05, 2017 3:00 am
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 1834

Re: Temp Commute/Pennsylvania to DC

I lived in Gaithersburg for a long time... Regarding getting to the D.C. area, I agree 100% with those who suggest the I-81 / Rt. 15 / I-270 approach. I made several trips by car to New England over the years, and I always took this routing because I wanted to avoid the horror of I-95. Your friend w...
by catdude
Fri Mar 24, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4555

Re: How did you do your income taxes?

TaxAct. My taxes are fairly simple... a handful of 1099's, a W-2 for life insurance coverage from my old employer... I filed in early February and got my refunds (fed & state) direct-deposited in about two weeks. Piece of cake.
by catdude
Thu Mar 16, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Moving Mom from EJ to Vanguard
Replies: 8
Views: 1185

Re: Moving Mom from EJ to Vanguard

Congrats on moving your mom to Vanguard. We see lots of EJ refugees here... you've definitely got the right idea. I guess what concerns me is your proposed 50/50 allocation. It's certainly not horrible, but you say your mom tends to be a conservative investor. And she's 72, right? Perhaps a 35/65 wo...
by catdude
Mon Mar 13, 2017 1:22 am
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 57
Views: 5448

Re: who should i choose to help me??

Beth, At some point take a closer look at that MULTIMANAGER LIFESTYLE MODERATE PORTFOLIO A. I'm getting conflicting info on the exact ER of that fund but it looks to be very expensive, maybe something like 1.28%. I think you hold that in an IRA so you can move it somewhere with a much lower ER with...
by catdude
Thu Mar 02, 2017 2:29 am
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 7608

Re: Climate and happiness revisited

A couple things come to mind... When I moved to central Oregon a few years ago, my brother told me that there are two seasons here -- "Winter" and "August". Perhaps the same is true in Fargo? Also, many years ago an old family friend -- who had spent many years in North Dakota --...
by catdude
Thu Mar 02, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7910

Re: Tell me about Smart TVs and cutting cable

for a start, finally going to buy my own modem, dropping $10 a month with something like a 12-14 month ROI Do it! That's what I just did. I replaced the cable company's "data gateway" (a combination modem/router) with a new modem and new router, which together cost about $80. The new equi...
by catdude
Tue Feb 28, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2790

Re: saving for european vacay in 2055

Since you have $2K, stick it in Target Retirement 2055 -- till it grows to the $3K minimum for other Vanguard funds. Once you hit that that 3K threshold, move it to Total Stock Index...
by catdude
Tue Feb 28, 2017 2:29 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5447

Don't pay full price for cable TV

OK, I know this isn't a great insight on my part, and I know it's been said before on this forum, but it pays to call the cable company and tell them you want to cancel service. I called the local cable company this morning and told them I'd identified a lower-cost alternative (which I had: an OTA a...
by catdude
Sat Feb 25, 2017 3:49 am
Forum: Personal Finance (Not Investing)
Topic: What's the lowdown on whole life insurance?
Replies: 3
Views: 491

Re: What's the lowdown on whole life insurance?

The concept of whole life insurance is to combine investing and life insurance into one product, with the addition of some guarantees an tax advantages. Seperately, these can be bought at extremely low cost. Combined, the costs become astronomical. There are certain very wealthy individuals that wh...
by catdude
Sat Feb 25, 2017 1:02 am
Forum: Personal Finance (Not Investing)
Topic: What's the lowdown on whole life insurance?
Replies: 3
Views: 491

What's the lowdown on whole life insurance?

Hi Bogleheads - The other day a good friend of mine mentioned that he spends $150 a month on a whole life insurance policy. I didn't say much, but my understanding is that whole life policies are a no-no, and generally not as good as term policies. I'm not going to bring up the subject again myself,...
by catdude
Thu Feb 23, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Move $$$ from 2-fund portfolio ---> TR2015?
Replies: 3
Views: 402

Move $$$ from 2-fund portfolio ---> TR2015?

Hi Bogleheads - I'm kicking around the idea of moving my two-fund portfolio (Total Stock/Total Bond) to Vanguard's Target Retirement 2015 fund. Basically because I'm lazy. I'd like to let someone else handle the re-balancing. My allocation is 50/50 stock/bond, and it would stay the same if I made th...
by catdude
Wed Feb 22, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Roku 3 vs Amazon FireStick
Replies: 14
Views: 1639

Re: Roku 3 vs Amazon FireStick

I'd be interested to hear about your experience with SlingTV and if you considered SONY vue in your search for cord cutting options? A used PS3 can be had for only a little more than a Roku4 and it has many advantages over a dedicated streamer. This is actually my second 7-day trial with Sling. I h...
by catdude
Wed Feb 22, 2017 2:08 am
Forum: Personal Consumer Issues
Topic: Roku 3 vs Amazon FireStick
Replies: 14
Views: 1639

Roku 3 vs Amazon FireStick

Hi Bogleheads - Santa, bless his heart, gave me an Amazon FireStick for Christmas. It seems pretty good to me but I'm wondering if a Roku 3 would be better. I'm currently doing a 7-day trial of Sling -- if that works out I'll be able to cut the cable cord. :sharebeer The Firestick's user interface s...
by catdude
Tue Feb 21, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 3117

Re: The need for bonds if I have a pension?

I whispered Gov Brown's ear, to "fix PER s" at a December's concert. Don't keep us in suspense! What did she say? I ambushed her. She turned, being surprised. We made eye contact by which time I was several paces away. Sparks erupted. Her crowd around her stepped back knowing the fury of ...
by catdude
Tue Feb 21, 2017 1:54 am
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 3117

Re: The need for bonds if I have a pension?

itstoomuch wrote:I whispered Gov Brown's ear, to "fix PER s" at a December's concert.


Don't keep us in suspense! What did she say?
by catdude
Tue Feb 21, 2017 1:06 am
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 3117

Re: The need for bonds if I have a pension?

OP, IMO Grt2bOutdoors and Goinganontoday are giving you excellent advice. You can't just blindly assume that your (and your wife's) pension will be there 25 years from now. Maybe they will, maybe they won't. But I think it's good that you're socking away a lot of $$$... just keep doing that and you'...
by catdude
Fri Feb 17, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

cheapskate wrote:My Comcast bill will go down from $163 (triple play) to $123 (double play) +$4/month for Ooma. So ~$40 in savings. I should have made this transition years ago :(


Good (Bogleheadish) job! I figure my monthly internet + TV expense will drop from $160 to $100-$110. :moneybag :sharebeer
by catdude
Fri Feb 17, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

It's not just about the SLA, it's about their willingness to own the problem. My advice to the OP would be to ask how reliable their internet has been and how much they trust their ISP. If they've had reliable internet and a friendly ISP, go out and buy a modem to save the money. However, if they'v...
by catdude
Fri Feb 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

Hi, OP here. I bought the TP-Link TC-7610 from Amazon yesterday; got it for $35. It's supposed to get here tomorrow. Before buying it I called the cable company's tech support and they told me it should work fine with their service. We shall see...
by catdude
Thu Feb 16, 2017 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4916

Re: Two-Fund Portfolio Role Call

Another two-funder here. I've got a 50/50 stock/bond allocation, all with Vanguard, and the funds are Total Stock Market Index and Total Bond Market Index. I'm a bit tempted to move everything into Target Retirement 2015, which would maintain the 50/50 split and put everything on auto-pilot. It woul...
by catdude
Thu Feb 16, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

https://www.amazon.com/TP-Link-DOCSIS-Speed-Cable-TC-7610/dp/B01CH8ZNJ0 Enjoy. I have this on TWC/Spectrum. Paying for 60/5, actually getting 70/6. Works great. Thanks blaugranamd! That looks just dandy -- It's only 35 bucks, it's got good reviews, and it's Prime-eligible. I'm gonna call the cable ...
by catdude
Wed Feb 15, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

Thanks everyone for your input. I remember seeing a list of recommended modems on my cable company's website a couple weeks ago. I can't seem to find that page right now, but of course the modem I'm currently renting (the Arris DG860) was on that list. What I'll probably do is buy the DG860... I kno...
by catdude
Wed Feb 15, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

just frank wrote:Before we restore BH credentials...did you buy router at list price, or get a refurb? :twisted:


I bought the router on sale at Office Max for $48 -- same price as Amazon. Will that suffice? :)
by catdude
Wed Feb 15, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

Re: I want to ditch the cable company's modem

Thanks guys. I took a look at that modem on Amazon and the write-up says it works with numerous "regional cable providers." Which is what my local cable company is. So this may be just the ticket...
by catdude
Wed Feb 15, 2017 2:29 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3802

I want to ditch the cable company's modem

I have a confession to make... and this may result in my Boglehead credentials being revoked. The ugly truth is that I've been spending 8 bucks a month to rent a modem from the local cable company. This has been going on for the past 3.5 years. :oops: Actually, it's a combination modem/router, or &q...
by catdude
Tue Feb 14, 2017 12:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 21696

Re: Your USER NAME...what does it mean?

I want to thank fishandgolf, the OP, for starting this thread. It's inspired me to change my user name from "johnny" to "catdude". And thanks to LadyGeek as well, for making the change. This new name reflects my current preoccupation... I have four senior cats and the vet bills t...
by catdude
Sat Feb 11, 2017 1:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 21696

Re: Your USER NAME...what does it mean?

My name is John... Years ago I had a boss who was really condescending, and he started calling me Johnny, which was quite irritating. A couple of my women co-workers picked up on that, and started calling me Johnny too. In their case it was more of an expression of endearment. As time went on I bec...
by catdude
Fri Feb 10, 2017 6:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 21696

Re: Your USER NAME...what does it mean?

Please realize that you are in excellent company. One of the greatest geniuses of the 20th Century - John von Neumann - was usually called "Johnny" by his family and friends. Thanks, I feel better already! I had never heard of him, and just looked him up on Wikipedia -- sounds like an ama...
by catdude
Fri Feb 10, 2017 3:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 21696

Re: Your USER NAME...what does it mean?

My name is John... Years ago I had a boss who was really condescending, and he started calling me Johnny, which was quite irritating. A couple of my women co-workers picked up on that, and started calling me Johnny too. In their case it was more of an expression of endearment. As time went on I beca...
by catdude
Fri Feb 10, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 3131

Re: Worth it to get 300 Mbps internet?

Hi, OP here. Thanks again everyone for your feedback. I may wind up going to the opposite extreme. My brother recommended his ISP, a local company called Yellowknife Wireless. I checked out their website and it appears their maximum download speed is 10 Mbps, but they claim to have "low latency...
by catdude
Thu Feb 09, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22747

Re: Wow, Vanguard Flagship service is bad. Really bad.

I'm just curious, maybe I should have started a new thread but this one seems somewhat relevant. I've been with Vanguard for almost 15 years. Haven't called them once. I'm not flagship as I'm still youngish and most of my assets are in the TSP but I'm not that close to nothing either. Now I've neve...
by catdude
Thu Feb 09, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 3131

Re: Worth it to get 300 Mbps internet?

4) For Cable modems, please, please don't use the rented junk from Comcast. They're charging you $10 a month for the privilege. Buy a Motorola Surfboard modem--depending on the model, you can get them refurbished for $35 or so, so you're recouping your cost in under 4 months. Please do the world a ...
by catdude
Thu Feb 09, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 3131

Re: Worth it to get 300 Mbps internet?

As someone who has fiber 30Mbps service and cut the cable we have zero issues with streaming. But we have a true 30Mbps that's tests on the dot that speed. Get your own dedicated wireless router. The cable company routers are junk. Nate - the cable company provides me with a device they call a &quo...

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