Search found 460 matches

by david99
Mon May 30, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 76
Views: 3817

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: 171
Views: 39058

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: 171
Views: 39058

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: 6608

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: 3573

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: 3197

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: 15870

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: 10236

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: 26142

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: 3103

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: 15028

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: 2046

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: 2906

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...
by david99
Tue Aug 11, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 68
Views: 12248

Re: Got laid off last Friday

Of course a realtor is going to tell you that you should sell your house because this is how they make their money. If you ask a barber if you need a haircut he/she is going to tell you that you need a haircut. Some realtors will pretend to be your friend and tell you that you can get a lot for your...
by david99
Mon Aug 10, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Boston area housing. Is it wise to buy now or wait?
Replies: 8
Views: 1113

Re: Boston area housing. Is it wise to buy now or wait?

I do not think it will matter much if you wait another year. On the other hand if you can wait a few more years when we get another recession, then it will be more of a buyers market. We have had a bull market for about six years now so we are bound to get another recession within the next couple of...
by david99
Sat Aug 08, 2015 1:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 8810

Re: Congrats to Laura Dogu

Laura ,

Buena suerte con su nuevo trabajo. Tenemos suerte de tener un embassodor que también es un boglehead.
by david99
Thu Aug 06, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Hello! Feeling lost. Finance advice for a newcomer?
Replies: 17
Views: 1860

Re: Hello! Feeling lost. Finance advice for a newcomer?

I would start by reading some books: The White Coat Investor: A Doctor's Guide to Personal Finance
The Four Pillars of Investing by William Bernstein (He is also a MD), and The Bogleheads Guide To Investing
by david99
Tue Jul 21, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking car insurance alternatives in MA
Replies: 18
Views: 1065

Re: Seeking car insurance alternatives in MA

I just switched to GEICO and I saved some money. I used to have Commerce Insurance.
by david99
Fri Jul 10, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Friend's House - what to do about agent's commission
Replies: 17
Views: 2046

Re: Buying Friend's House - what to do about agent's commission

You need a real estate attorney and someone to inspect the house. I would not involve the realtor in this purchase for fear that they will request some commission. I've bought and sold two houses without a realtor --- I only had an attorney that specialized in real estate and a home inspector. If yo...
by david99
Fri Jun 26, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 7261

Re: Bogleheads are more aggressive...

Maybe it's that a lot of Bogleheads are invested in the Total Stock Market or All World ex-US and we have confidence that they will do well over the long run. We probably wouldn't have our age-15 in bonds if we were invested in a few stocks. I actually have my age-15 in bonds and it's because I beli...
by david99
Thu May 28, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 8263

Re: Should I shorten my last name?

I shortened my last name and I'm really glad I did. I just did it myself -- I didn't use a lawyer --- it was easy to do--- I just had to file some paper work with the state and then I appeared before a judge --- he asked me a few questions and I was done. I did this about 20 years ago. I highly reco...
by david99
Thu May 07, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3916

Re: Buying new car

The Subaru Forester has had a problem with excessive oil consumption ---- there is a class action lawsuit for this problem. Just Google Subaru Forester class action lawsuit or Forester excessive oil consumption. I don't know if it's a problem with the 2015 ( I don't know why it wouldn't be a problem...
by david99
Sat Mar 14, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1642
Views: 343214

Re: What Movie Have You Recently Watched?

I recently saw Jersey Boys -- about Franky Vali and the Four Seasons. Great movie.
by david99
Sat Feb 14, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 4451

Re: Dealing with problematic tenants.

I would raise the rent to help pay for all the damage they have done. At this point they have trashed the place so it's probably not going to get much worse. There is something to be said for getting your rent on time and no one complaing about them. If they have another grease fire and cause signif...
by david99
Thu Jan 29, 2015 8:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2631

Re: What is your BMI?

It might be better to ask this question over the summer when most of us are more active --- I usually drop 5 to 10 pounds over the summer.
by david99
Wed Jan 28, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 6746

Re: What age did you move out?

I moved out at 23 after I graduated college and got my first full time job. I was really ready to move out at that point.
by david99
Sun Jan 18, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1642
Views: 343214

Re: What Movie Have You Recently Watched?

The Railway Man. It's about a British prisoner of war who was captured by the Japanese. Excellent movie. It's based on a true story-- I think that the book has the same title.
by david99
Sat Jan 17, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 5503

Re: boglehead workout

I jog three times a week and do strength training three times a week.
by david99
Wed Jan 07, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2882

Re: Transcendental meditation

You can get some books and DVDS from the library on meditation. I tried meditation but didn't like it. I have known people that find it useful. I just go to the gym to relieve stress and relax.
by david99
Fri Jan 02, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1642
Views: 343214

Re: What Movie Have You Recently Watched?

I recently saw Argo. Very good movie about the Iranian hostage crisis in the 1980's --- People were taken from the US embassy and held hostage but a few managed to go to the Canadian embassy. I got the video from the library. In the special features section it also had an interview of Jimmy Carter a...
by david99
Fri Jan 02, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Car shuts off while driving - death, dealers, & liability
Replies: 47
Views: 6201

Re: Car shuts off while driving - death, dealers, & liabilit

Do you know anyone who is selling an older, reliable car? If you do, you could buy it and drive it around for a few months and then sell it for what you paid. If you don't put much mileage on an older car, then it won't depreciate in a few months --- by then your car should be fixed and this would b...
by david99
Thu Jan 01, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 9498

Re: Vanguard's best fund: Healthcare?

I've been very happy with this fund. It's done very well in the past ten years, but I wonder how it will do in the future?
by david99
Thu Jan 01, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 5409

Re: "Soft Retirement" possible?

What will your pension be at 55 or 60 ?
by david99
Thu Jan 01, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Professor Dumpster, a really tiny house.
Replies: 18
Views: 2716

Re: Professor Dumpster, a really tiny house.

It's pretty cool what they can do with a shipping container.
by david99
Wed Dec 31, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 19352

Re: Documentaries to recommend?

Forks Over Knives
This is an interesting documentary about the benefits of a whole foods, plant based diet.
by david99
Wed Dec 31, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 4825

Re: Do any other men here regulalry use skin care products?

I also use Cetaphil during the winter because my skin gets very dry and itchy. Cetaphil works great --- I use it all winter long. I don't use any skin care products during the summer except sun screen when I'm out in the sun for a few hours.
by david99
Mon Dec 29, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 7286

Re: How Much Do You Sacrifice?

You're doing very well for someone your age --- you're saving 18% of your gross and you have an emergency fund. You should just go back to playing golf --- and if one of you gets laid off, then you can cut back on your expenses --- but in the mean time you should enjoy yourself. Besides the gym and ...
by david99
Fri Dec 26, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 950
Views: 208624

Re: I think I just got a $5,000 watch for Christmas

Now you can start a new thread about buying a Lamborghini.
by david99
Sun Dec 21, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 11040

Re: How do you define "being rich"?

This is a subjective question. Ask a person with a net worth of $10,000 and they'll say that someone with a million dollars is rich. Then ask someone with 1MM and they will say that someone with 10MM is rich. Ask the person with 10MM ....
by david99
Sat Dec 20, 2014 1:45 pm
Forum: Personal Consumer Issues
Topic: Major Life Decision -- Do we need to keep working?
Replies: 56
Views: 8384

Re: Major Life Decision -- Do we need to keep working?

It sounds like you would prefer to stay in the US. So I think that I would stay in the US but not retire. Personally, I would not want to retire at 50 with 1.4 MM. You can build your consulting business and your significant other could also find a job --- this way you can continue to let your portfo...
by david99
Sat Dec 06, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 9418

Re: Where do you shop for groceries?

Costco, Trader Joes, Market Basket
by david99
Tue Dec 02, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 12361

Re: Favorite nonfiction books

The Double Helix by James Watson. I thought that it was a fascinating read.
Anything by Stephen Jay Gould
Surely You're Joking Mr. Feynman by Richard Feynman
Personal History by Katherine Graham
by david99
Sun Nov 30, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1642
Views: 343214

Re: What Movie Have You Recently Watched?

I recently saw The Book Thief. I thought that it was a really good movie --- it was about WWII so it's tragic but still very good.
by david99
Wed Nov 12, 2014 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 8543

Re: Real estate as my "million dollar idea"

I think that you should try it with one or two houses and see if it's something you like to do. You are obviously mechanically inclined so fixing things shouldn't be a problem for you. The other side of the business is dealing with tenants -- which you may or may not like. I don't think that it's a ...
by david99
Tue Nov 11, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 1076

Re: New Fidelity AMEX - with chip

Fidelity Amex sent me a new card but it doesn't appear to have a chip -- it looks like the old card with a new number.
by david99
Thu Oct 16, 2014 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5844

Re: Thoughts on getting out [of job]

I think that if you are feeling this much pain on the job you should try to make some changes. I don't think that you should quit just yet, I think that you should try to find a position with your company that has less responsibility and less stress --- possibly it will pay less but at least you can...
by david99
Thu Oct 09, 2014 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 6213

Re: Sixth anniversary of worst week ever for stocks

I tax-loss harvested a couple of funds in Oct. 2008-- I got lucky in that I stayed out for 30 days while stocks were dropping. I rebalanced in December of 2008. I needed to rebalance again in February of 2009 but I didn't because I had just rebalanced in December --- bad idea since stocks were cheap.
by david99
Tue Sep 30, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 17245

Re: Oatmeal suggestions

I also get the big ten pound box of Quaker Oats from Costco. I put in oats, cinnamon, ground flax, frozen berries, a little honey in a covered/vented pyrex dish for four and a half minutes in the microwave. Then I just let it cool for ten minutes and eat. I like the idea of using allspice or nutmeg....
by david99
Fri Sep 19, 2014 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 582

Re: Business Opportunity - Thoughts

I think that you answered your own question. It doesn't sound like something that you want to do, but you should get the specifics before you make a decision.

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