Search found 415 matches

by epictetus
Tue Jun 27, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Receiving Magazines...Never Subscribed
Replies: 17
Views: 552

Re: Receiving Magazines...Never Subscribed

this is happening now with my mother, who is almost 80. she is receiving several magazines and has been for several months, maybe a year or so, that she didn't order. she has not received any bill or had any problems. she has no idea why they started.
by epictetus
Sat Jun 24, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs or Mutual Funds for an inexperienced investor
Replies: 32
Views: 1539

Re: ETFs or Mutual Funds for an inexperienced investor

i would encourage you to use mutual funds and not worry with the ETFs. that is what i do and find it much simpler
by epictetus
Thu Jun 22, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 41
Views: 3558

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

i would suggest getting the emergency fund up to 6 months like you had planned and then paying off the high interest loan before you start investing outside your Simple IRA just start where you are with building up your resources and paying down/off your debts. if you feel behind you can start to pa...
by epictetus
Tue Jun 13, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2293

Re: Watch Batteries

i have a $20 Casio digital watch that has a 10 year battery in it.

years ago i had a self-winding Seiko. after some amount of years it had to be cleaned or it would quit running. i forget how much that cost.
by epictetus
Tue Jun 06, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Going from cash to equities now?
Replies: 47
Views: 4287

Re: Going from cash to equities now?

the "one fund" suggestion others have made refers to funds (like the STAR fund and Wellesley funds you hold) that have a balance of stocks/bonds. you could put it all into a Lifestrategy Fund, Target Retirement Fund, Balanced Index fund, STAR fund, Wellington, or Wellesley and have a "...
by epictetus
Fri Jun 02, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4150

Re: Time to Move Away from 3-Fund Portfolio?

how about putting all of the IRAs into the same Target Retirement fund (whichever one would start at the allocation you want now and move to the allocation you want in 10 years) versus the Life-strategy Fund (which holds a static balance)? that would take care of 80% of your portfolio and would neve...
by epictetus
Mon May 29, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: help me decide of I should use this wealth manager
Replies: 17
Views: 1699

Re: help me decide of I should use this wealth manager

be thankful you came here before you signed on.
don't make this big mistake
by epictetus
Tue May 23, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to pay off student loans
Replies: 26
Views: 2943

Re: Trying to pay off student loans

I am glad I was very wrong about my calculation. Thanks for straightening it out!
by epictetus
Mon May 22, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 33
Views: 5165

Re: I admit, I give up [need strategy for getting back in]

since you are making 500,000/year unless your expenses are really high and cannot be reduced you could probably put your money in low risk places (bond fund, etc) and be fine.

if you could save 1/2 of your income you would save $1 million every 4 years.
by epictetus
Sun May 21, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: The Novice [need books/resources for learning]
Replies: 8
Views: 607

Re: The Novice [need books/resources for learning]

I would suggest starting with "The little book of common sense investing" by John Bogle.
by epictetus
Sun May 21, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Job loss
Replies: 28
Views: 2410

Re: Job loss

what are your monthly expenses if you really trimmed them down to the bone?
you have $36,000 saved. how many months of lean living expenses does that buy you?

knowing you have on hand x months of living expenses, not including unemployment, etc., may help take the stress/panic out just a bit.
by epictetus
Sun May 21, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Convert EE Savings Bonds at Treasury Direct?
Replies: 8
Views: 1035

Re: Convert EE Savings Bonds at Treasury Direct?

my understanding is that if your TD account is hacked, money stolen, etc., the liability for that loss is on you, not TD. if your paper bonds are lost/stolen they can be replaced. i would stick with the paper bonds and just cash them at the bank. simpler and safer. it is hard to go wrong following M...
by epictetus
Fri May 19, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 7848

Re: Milestone and not peeking. . .

congratulations!
i always enjoy reading your posts.
you and the balanced index fund are strongly linked in my mind!
by epictetus
Mon May 15, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1460

Re: Quality decline in off-brand alkaline batteries?

with duracell alkaline batteries i notice they corrode in the object they are powering (clock, etc) a lot more than they used to
by epictetus
Sun May 14, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to pay off student loans
Replies: 26
Views: 2943

Re: Trying to pay off student loans

did I calculate this correctly: with this payment schedule her 25,000 loan is going to cost her 113,040 ? I hope I calculated that incorrectly.
by epictetus
Sun May 14, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else dial down retirement savings?
Replies: 32
Views: 5185

Re: Anyone else dial down retirement savings?

if the stock market goes down 50% and stays there awhile that could change calculations re: how much is needed, how long it will last, etc.
by epictetus
Sun May 14, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing Better Job just to Vest in 401k
Replies: 14
Views: 1147

Re: Forgoing Better Job just to Vest in 401k

is all the 12,000 in the 401k money they put in? or is some money you put in?

the money you put in you won't lose.

i would take the new job even if you lost 12,000 in the 401k.
by epictetus
Sat Apr 08, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: Where to go for free or low cost advice?
Replies: 23
Views: 2097

Re: Where to go for free or low cost advice?

Vanguard's Personal Advisory Service at .30 cost
by epictetus
Mon Mar 06, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 2436

Re: Organic Alternatives for Lawn and Garden Care

you might take a look at Garden's Alive. they focus on lawn and garden care products that are supposed to be more healthy for the environment. i don't have any connection with them other than having used some of their products

http://www.gardensalive.com/
by epictetus
Sat Feb 11, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 7144

Re: Terrible negotiator - need help with words to use [Buying a car]

Sam's Club and AARP also have car buying programs/service.
by epictetus
Wed Jan 25, 2017 7:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 9407

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday!!
Thank you for all that you do and for being who you are.
by epictetus
Sun Jan 15, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: locum work for docs, physician recruiters and so on - advice?
Replies: 16
Views: 1336

Re: locum work for docs, physician recruiters and so on - advice?

if you like where you are and the work you are doing and the pension is still growing would think maybe stay where you are and use vacation time for more traveling
by epictetus
Sat Jan 14, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing severance payment
Replies: 7
Views: 687

Re: Help with investing severance payment

online savings account would be good. can get 1% interest at Barclay's bank last time I checked. Discover Bank was .95%
by epictetus
Sun Jan 08, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 2583

Re: Doing taxes for the first time--Please help!

i used a computer program for years to do our taxes. several years ago i did them using pencil/paper and found that method was much quicker and easier and i have been using paper/pencil since then. once you do your taxes once/twice using paper you will have a good sense for where everything goes, wh...
by epictetus
Sat Jan 07, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6633

Re: I am timing the market. Why am I wrong?

this is the kind of situation where a mechanical asset allocation would help:

age in bonds or age +/- x in bonds or a static 60/40 or 50/50 or any number of options

that would have you steadily investing and re-balancing but not trying to get in/out of the market
by epictetus
Wed Jan 04, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: [Seeking advice] I messed up. What's next?
Replies: 30
Views: 2999

Re: [Seeking advice] I messed up. What's next?

to add on to the response just above mine:

what does you GPA look like it you take year one in isolation versus years 2-graduation? since you were in different major, the major didn't fit you and you changed it

of if you take your fresh-soph GPA versus your Jr-Sr GPA?
by epictetus
Mon Jan 02, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: PENFED 5 year CD rate 2.25%
Replies: 6
Views: 1521

PENFED 5 year CD rate 2.25%

Just fyi,
I saw the rate for 5 year CD at PENFED was 2.25%.
Looks like early redemption penalty within first year is all interest earned.
After first year the penalty is 30% of the interest the certificate would have earned if it had been held to maturity.
by epictetus
Mon Jan 02, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Dilemma: bonds, cash or 100% stocks for now in present climate?
Replies: 55
Views: 5552

Re: Dilemma: bonds, cash or 100% stocks for now in present climate?

if you are 100% in stocks be prepared for a drop of 50% of the value of your portfolio at any time. and often in those times the news of the day is the world is coming apart at the seams, etc. So it is hard for most of us to stomach that kind of volatility. a rule of thumb is "age in bonds"...
by epictetus
Sun Dec 25, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 5412

Re: Am I being smart with this car purchase?

unless you really love it i would encourage you to pass on it. even if you really love it i would probably encourage you to pass on it. this purchase is moving in the wrong direction with purchases, debt, etc. if you can move in the right direction at this point in your life with purchases, debt, et...
by epictetus
Sat Dec 17, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: My "sleep well at night" number seems to be changing
Replies: 49
Views: 8371

Re: My "sleep well at night" number seems to be changing

this is one of the advantages of an "age in bonds" or "age - X in bonds" mechanical approach that helps you gradually become more conservative over time. even if you have the ability to take risk but have less need and willingness to take risk no harm in changing allocation to re...
by epictetus
Tue Dec 13, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Which Bogle Book to buy for Christmas?
Replies: 5
Views: 862

Re: Which Bogle Book to buy for Christmas?

Little Book of Common Sense Investing
by epictetus
Sun Dec 11, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Ever had a CFL bulb fail like this?
Replies: 23
Views: 2684

Re: Ever had a CFL bulb fail like this?

we tried the LED lights in a bathroom fixture. had been using CFL for a long time prior to that. the LED lights emitted a hum and also light quality was harsh, even though on side of box the light quality was described in some words that would make you think soft/not-harsh (I don't recall the wordin...
by epictetus
Sat Dec 10, 2016 9:56 am
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 2701

Re: Do you think Slice and Dice makes it harder to stay the course?

it would for me. i use total stock market index and us bond index. that reduces the possible tinkering down to allocation. i decided to use age in bonds for that. I had made many behavioral mistakes in investing before going to this portfolio. I have not made behavioral mistakes since using it. and ...
by epictetus
Fri Dec 09, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $100K inheritance
Replies: 23
Views: 2153

Re: How to invest $100K inheritance

I would encourage putting the 100K in an online savings account for now. I don't think investing is the main problem/issue at this point. I would encourage figuring out how to make the income meet or exceed the outflow asap. if the income cannot meet or exceed the outflow very soon would suggest loo...
by epictetus
Fri Dec 02, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: How many books should i read for long term investing.
Replies: 22
Views: 1457

Re: How many books should i read for long term imnvesting.

I think you would enjoy Bogle's "Little book of common sense investing." It is short but very powerful.
by epictetus
Fri Dec 02, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: European Riverboat Tours
Replies: 22
Views: 3114

Re: European Riverboat Tours

a good friend has taken several Viking cruises and thinks they are excellent
by epictetus
Tue Nov 22, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 3161

Re: Okay to keep over 250K cash in one savings acount?

Barclay's Bank online savings is 1%
Discover Bank online savings is .95%
Money market account at Capital ONe is 1%

so several other options if you want to spread around to different banks.

it is my understanding for joint account FDIC coverage is 500,000
by epictetus
Fri Nov 11, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 4599

Re: Drain Cleaner or Plumber for slow drains?

pouring very hot water down the sink can help.

bleach and hot water can help.

we also found that changing from bar soap to liquid soap in the shower helped a lot.

also using liquid soap versus gel shaving cream in the sink helped a lot
by epictetus
Fri Nov 04, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 4100

Re: Dress shoes

if any of the styles from San Antonio Shoe (SAS) are what you are looking for that might be a good option. they are well made shoes, made in the USA, very comfortable, at the price you are looking for, and last a long time. their shoes are all i have worn to work for many years.
by epictetus
Wed Oct 05, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Europe bus tours
Replies: 36
Views: 2507

Re: Europe bus tours

we have taken a few tours with Globus and liked them just fine. Globus has a few other divisions: Cosmos if you want a bit cheaper option; Monograms if you want less structure; Avalon for river cruises. I have a friend at work who has taken several Viking river cruises and really likes them. We thin...
by epictetus
Sat Oct 01, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: "Activities of Daily Living"--exact science or subjective?
Replies: 12
Views: 2063

Re: "Activities of Daily Living"--exact science or subjective?

would suggest either having the MD refer your relative to an occupational therapist for an eval or have your relative see a geriatric MD or a physiatrist (physical medicine and rehab MD) who would hopefully do a more detailed assessment him/herself and/or refer your relative to an occupational thera...
by epictetus
Sun Sep 25, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Rental Cars
Replies: 22
Views: 2191

Re: Rental Cars

when I was renting cars in the past I used Budget and was satisfied with them. I think AARP has a discount with them if that would be of interest/possibly apply to you.
by epictetus
Sun Sep 18, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2526

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

FFNOX maintains an 85/15 stock/bond ratio.

The Vanguard Target Date funds gradually become more conservative over time.

a better comparison to FFNOX would be the Vanguard Lifestrategy Growth fund (which maintains an 80/20 stock/bond ratio).
by epictetus
Sun Sep 11, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment Question
Replies: 21
Views: 2309

Re: Downpayment Question

my concern would be a 300,000 house on 87,000 salary the house value would be right at 3.5 times your salary if the roommate doesn't work out that might be a stretch to make the payments and have money left for anything else. we bought too much house for the amount of money we were making the first ...
by epictetus
Sun Sep 11, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: About to retire.Seeking advice for setting up IRA
Replies: 20
Views: 1770

Re: About to retire.Seeking advice for setting up IRA

the Vanguard Personal Advisory Service should be perfect for you for now. they can help you get your investments set up correctly. over time can decide whether to continue with the service or manage your investments yourself at Vanguard. you may decide that letting them manage it for you is worth th...
by epictetus
Sun Sep 11, 2016 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Three fund vs. four fund portfolio
Replies: 17
Views: 3811

Re: Three fund vs. four fund portfolio

i would encourage you to stay with your three-fund portfolio. it is a fine portfolio and you will have less opportunity to make behavioral mistakes that way. if you do decide to tilt to small-cap stocks make sure to read up on the discussion in this area. whatever plan you implement it is important ...
by epictetus
Sun Sep 04, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell taxable investment to pay down fiance's debt?
Replies: 32
Views: 2404

Re: Should I sell taxable investment to pay down fiance's debt?

is he as concerned as you are re: his debt? as best you can tell are you two on the same page re: financial priorities? he is making a lot of money currently. if focused he might be able to pay down a chunk of his debt by the wedding. if you two aren't on the same page re: financial priorities this ...
by epictetus
Thu Sep 01, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Email Service Provider
Replies: 41
Views: 2779

Re: Email Service Provider

i have used Yahoo email for many years and like it fine. I tried using gmail but did not like it.

i use Firefox browser with the ad-block plus extension and ads are not a problem
by epictetus
Sat Aug 20, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Reconsidering glide path
Replies: 11
Views: 1488

Re: Reconsidering glide path

how old are you?

one rule of thumb is having roughly your age in bonds.

how would that feel to you versus the allocation you have now?

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