Search found 497 matches

by david99
Mon Jul 25, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 40
Views: 2423

Re: My experience with "older" used car

I drive an older car ---2000 Corolla and I'm more concerned about the rubber hoses, plastic parts and rust. It's also a low mileage car and I try to keep it well maintained. Rubber and plastic breaks down over time. Maybe I should look into replacing some hoses?
by david99
Mon Jul 25, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: Another dodgy hedge fund. Echoes of Bernie Madoff.
Replies: 8
Views: 1109

Re: Another dodgy hedge fund. Echoes of Bernie Madoff.

Another good reason to invest in boring index funds. We don't need the kind of nail biting excitement that Madoff gave to all of his investors.
by david99
Sun Jul 24, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 27
Views: 1843

Re: New car or not?

Try snow tires for this winter. If you still do not feel comfortable, then you can get a new car. Snow tires are a lot cheaper than a new car. You can probably get another 50k miles out of your current car.
by david99
Sun Jul 24, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 675
Views: 107999

Re: Boglehead Beer

I usually buy Sam Adams at Costco
by david99
Fri Jul 22, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Renovate or replace 12yr old SUV?
Replies: 45
Views: 2292

Re: Renovate or replace 12yr old SUV?

I think that this is very much a personal decision. If you are doing well in terms of saving for retirement, then you might consider getting a new car. On the other hand if you are behind in saving for retirement, then I would keep it. 90 k miles is not much for a Honda -- you can probably get 200 k...
by david99
Thu Jul 21, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change?Age 32---Personal Trainer to Real Estate
Replies: 16
Views: 1684

Re: Career Change?Age 32---Personal Trainer to Real Estate

Personal trainer to real estate ---- it sounds like you like working with people. A personal trainer is part teacher and part motivator so you might also consider going into education. Since you already have a college degree, it wouldn't be that hard. I have heard that in fields like math or science...
by david99
Thu Jul 21, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4015

Re: Are you feeling uncomfortable? [with your investments]

Even if your are feeling comfortable with your investments now, you might feel uncomfortable when a drop like we got in 2009 happens. That's why I like to see what a 50% drop my stock portfolio will look like. I try to do it at least once a year. I know that it is only on paper but at least it gives...
by david99
Wed Jul 20, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: NY Times article-Shiller on land and homes
Replies: 18
Views: 2642

Re: NY Times article-Shiller on land and homes

I agree that location matters a lot when it comes to homes. A location that is in high demand, with no land available is going to increase in value much more than the opposite. Of course you have to be careful because an area that is dependent on just one industry could lose a lot of value if there ...
by david99
Wed Jul 20, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 138
Views: 11847

Re: Evicting a tenant-Hire lawyer?

Sorry to hear that you are going through this mess. I was a landlord for seven years and fortunately I didn't have to evict anyone but I was extremely careful about picking a tenant. I would leave an apartment vacant for a month or two if I didn't find a tenant that I liked. I also had apartments in...
by david99
Mon Jul 18, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 138
Views: 11847

Re: Evicting a tenant-Hire lawyer?

This is strange that she left all of her stuff behind. It's threads like this that keep me out of the rental business.
by david99
Mon Jul 18, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud
Replies: 4
Views: 480

Re: Credit Card Fraud

The credit freeze is definitely a good idea for you and your wife to be on the safe side.
by david99
Mon Jul 18, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4561

Re: Who do you not tip, and why?

Some restaurants have gotten rid of tips. It's easier for the consumer if the employee gets paid correctly by the company. Besides some costumers don't leave any tip and others do. An employee can count on a regular pay check if they get a salary from their employer. But to answer your question, I d...
by david99
Mon Jul 18, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 81
Views: 11459

Re: Traits of Happiest Retirees

Many years ago there was a song whose lyrics concluded that happiness is different things to different people. https://www.youtube.com/watch?v=yeHXahnBAqY No question about that. My take is that for people living in affluent nations, happiness is built on a foundation of 4 pillars regardless of whe...
by david99
Sun Jul 17, 2016 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9343

Re: Just got back from Europe...ready to sell my International...

Europe is 44% of VGTSX, so it is a big part of the fund. But I agree with other posters who say that the turmoil in Europe is already priced in to the fund and you may be selling at the bottom. I think that it's wise to rebalance as necessary. This may be a great buying opportunity. It's good to be ...
by david99
Sat Jul 16, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 4886

Re: Retired a year - big loss [ :) ]

Congratulations -- this is great. I recall reading other posters that have retired and consequently started to eat better, exercise more and lose weight.

Best wishes
by david99
Sat Jul 16, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5072

Re: Mother was victim of online virus scam - How can she recover the money she paid?

I also would be concerned that her computer is infected and/or that they stole other information. If she only lost $300, then I would chalk it up to a lesson learned. Three hundred dollars is not such a big deal. However if they stole her identity, tax information or debit card information then that...
by david99
Sat Jul 16, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5342

Re: I created dependency, now what?

I haven't read this entire thread but you should consider the possibility that if something happened to you financially or physically then you might not be able to provide for this family. Maybe it would be better if they were self sufficient? On the other hand it's great that you have been able to ...
by david99
Wed Jul 13, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Jobless with a decent amount of money [Canada]
Replies: 37
Views: 2483

Re: Jobless with a decent amount of money [Canada]

If you can get a high school degree in a few months then why not do that as your next step. After you get your high school equivalency degree, you can decide if you want to go to college or do something else. Since a few people suggested computer programming, you could get some programming books fro...
by david99
Wed Jul 13, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 61
Views: 4771

Re: Car totaled, no collision insurance

I got rid of collision insurance on my Corolla but kept comprehensive insurance.
by david99
Sat Jul 09, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2483

Re: Employment ideas for former Police?

You may want to talk with a vocational counselor. A good vocational counselor can help analyze your particular skill set and suggest some vocations that are a good fit for you.
by david99
Sat Jul 09, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5586

Re: Costco Tires - Anyone ever frustrated?

I've bought tires at Costco and have not had problem. I just get there twenty minutes before they open and read a book in the car or surf the web on my phone. Then I go shopping while they install or rotate the tires. It's not a big deal.
by david99
Sat Jul 09, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 59
Views: 3181

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I seem to get a call from Fidelity every other year. They call me two or three times and leave message but I never call them back so they give up. They usually say that they want to review my account but I assume that they want to put me into actively managed Fidelity funds.
by david99
Thu Jul 07, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Safe Stolen
Replies: 56
Views: 6741

Re: Safe Stolen

I agree with the credit freeze. You may also want to sign up for a service that monitors your accounts.

I also keep some documents in a fire proof safe. I think that I'll get a safe deposit box after learning about this.
by david99
Thu Jul 07, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7749

Re: Hiking questions

Go to REI and try on different hiking boots. The sales staff at REI are very knowledgeable. Also you can return anything to REI if you are not satisfied even shoes and boots.
by david99
Thu Jul 07, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 37
Views: 2578

Re: Sentra or Corolla?

I would go with the Corolla over the Sentra. I have a 2000 Corolla with only 92000 miles and it still runs well. I have had to fix a few things like the power steering pump, mass air flow sensor and the exhaust/ catalytic converter but overall it's been a good car. This thread made me think that I s...
by david99
Thu Jun 30, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 30211

Re: What kind of car are you driving?

2000 Toyota Corolla with 92,000 miles. It runs well --- I'm just not sure how much longer I should keep it? I guess that the standard Boglehead response would be to "keep it until the wheels fall off".
by david99
Wed Jun 29, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8432

Re: Fidelity lowers expense ratio of some index funds

I have a seven figure account with Fidelity all in index funds and they have yet try to sell me a more expensive fund even once.... in fact, they have never even called me or contacted me in any way unless I asked them to. I dumped some expensive AQR funds a while back and some guy from AQR called ...
by david99
Fri Jun 17, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 35
Views: 5770

Re: "How to Make Your Money Last" -- A Gem

I'd nitpick this one: "A house is a money pit, even if there's no mortgage. By slashing those costs and moving to a condo or rental apartment, you'll probably be able to keep up your spending on all the smaller things that give spice to life." Some of us enjoy gardening, animals and moder...
by david99
Tue Jun 14, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Live the Good Life Today vs Save For a Better Life Tomorrow
Replies: 84
Views: 7482

Re: Live the Good Life Today vs Save For a Better Life Tomorrow

I agree that we have to strike a balance between enjoying ourselves today and saving for tomorrow. I may not be around ten years from now so I should spend my money today. On the other hand some people are saying that we will live to 101 so I guess that I should also save.
by david99
Tue Jun 14, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 113
Views: 14408

Re: John Oliver covers retail investment industry on Last Week Tonight

I agree that John Oliver is hilarious and at the same time raises much needed attention to certain subjects. It's great when you can have a good laugh and learn something at the same time. I've been watching all of his videos through youtube.
by david99
Fri Jun 10, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Dental insurance, dental plans or pay as you go?
Replies: 41
Views: 3093

Re: Dental insurance, dental plans or pay as you go?

One problem with dental plans is that you have to go to the dentists in the plan and some of these dentists are not that great. When I had dental insurance I was going to one of these chain dental offices that always seemed to be looking for work to do. I think that some of these chains are under pr...
by david99
Sun Jun 05, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott's Retirement Roadmap 2016 -- who's pledged?
Replies: 17
Views: 3803

Re: Ed Slott's Retirement Roadmap 2016 -- who's pledged?

I thought that he had some good ideas that I'm sure some people are not aware of. The parts that I didn't get are that everyone should convert their TIRA to a Roth. I would think that you would have to look at your tax bracket and see if it makes sense. He also said something about buying some type ...
by david99
Sun Jun 05, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Yoga or Pilates or Something Else?
Replies: 43
Views: 2846

Re: Yoga or Pilates or Something Else?

I like strength training --- body weight exercises and weight lifting are great for building muscle and improving posture.
by david99
Sat Jun 04, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Sudden spam explosion in my inbox
Replies: 15
Views: 1767

Re: Sudden spam explosion in my inbox

I also have Hotmail and have been getting a lot of spam in my inbox recently. Wasn't getting it before.
by david99
Sat Jun 04, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: New Car Trim levels
Replies: 58
Views: 4069

Re: New Car Trim levels

I think that back up cameras and blind spot detection are really helpful.
by david99
Fri Jun 03, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: What TYPE of books do you like to read?
Replies: 48
Views: 2152

Re: What TYPE of books do you like to read?

I read mostly nonfiction--- science, finance, medical, bios... With nonfiction you can be entertained and learn something at the same time.
by david99
Thu Jun 02, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 5211

Re: tips for weight exercises/training

Walking can be the way to go! The OP is asking about weight training and staving off additional sarcopenia. Walking will do nothing to get him/her stronger or increase muscle mass. The first muscle he needs to think about is his heart muscle. Brisk walking can do a lot to strengthen it before movin...
by david99
Mon May 30, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 5211

Re: tips for weight exercises/training

I was in a similar situation when I turned 50. I was pretty weak and I would throw my back out moving furniture. So I joined a gym. I started off with a lot of body weight exercises because they didn't hurt my back. The gym has a chin up assist and a dip assist machine -- it's basically just a count...
by david99
Sun May 29, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49615

Re: I can't believe I am thinking this

Sheepdog, Thank you for your honest account of how you experienced the Great Recession. I found it very helpful. This is a lesson for all of us approaching retirement to have CD's, Treasuries, and possibly SPIAs. This way we can re-balance during a bear market and buy stocks on sale, instead of sell...
by david99
Fri May 27, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49615

Re: I can't believe I am thinking this

I agree that history will repeat itself. I also think that a CD ladder or treasury ladder is a good idea. You can always take some money out of a CD and pay the penalty.
by david99
Thu May 26, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 7226

Re: This Bull Seems to be Getting Pretty Long In the Tooth

Seems as though the S&P 500 has had a huge, nearly continuous, rise since 2008-9. Anyone getting weary? Anyone pondering taking some risk off the table and cooling off the AA? Anyone struggling with whether to pay a capital gains tax? Dave Dave, Thanks for starting this thread. I've also been t...
by david99
Wed May 11, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: House 'For Sale By Owner' - Can One Do It Alone?
Replies: 26
Views: 3694

Re: House 'For Sale By Owner' - Can One Do It Alone?

I sold two houses on my own. One was through word of mouth. Just make sure you have an good lawyer.
by david99
Sun May 08, 2016 9:21 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3559

Re: Happy Birthday Mr. Bogle! May 8, 2016

Happy Birthday Mr. Bogle. Thank you for creating a great company that has changed so many lives.
by david99
Sun May 08, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 16697

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

This is a good reason to put the fewest people between you and your money.
by david99
Sun May 08, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10727

Re: Is buying organic really that expensive?

I only buy organic when it comes to the "dirty dozen". I think that it would get too expensive to always buy organic, but I haven't actually cranked the numbers to see if this is accurate.
by david99
Mon Mar 21, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 27815

Re: Don't understand nutrition and exercise

I have enjoyed this tread. I know that people are passionate about their diet and exercise beliefs. If you want to be thin in a healthy way, I believe in a Rave type diet. R- no refined highly processed foods A- no animal products V- no vegetable oils E- exercise “ Rave diet, Mike Anderson ” Whole ...
by david99
Fri Jan 29, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advisor/Planner for 1.5M Portfolio
Replies: 29
Views: 3198

Re: Need Advisor/Planner for 1.5M Portfolio

If you don't have the time or don't want to be bothered to manage your money, then use the target retirement funds at Vanguard.
Even if you do make a little more with actively managed funds (and that's a big if), the extra return will be eaten up by the cost of the financial planner.
by david99
Sun Jan 24, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 15700

Re: Do you pay for exercise?

I pay $30 a month for gym membership and I really enjoy it. I'm single and have time to go to the gym. I think that if you are married and don't have that much time, then a home gym might make more sense.
by david99
Sun Jan 24, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 2101

Re: New Amazon Prime Member w/streaming - need recs

Curb Your Enthusiasm --- Larry David is very funny
by david99
Thu Sep 17, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 38
Views: 3046

Re: Anybody else get phone calls from Fidelity?

I get calls from Fido about once a year. I just ignore them and they go away after two or three times. I don't feel like listening to their pitch or arguing with them about passive versus active. I should just let them know that I don't want any phone calls from them unless there is a problem with m...

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