Search found 435 matches

by epictetus
Sun Oct 08, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10067

Re: Third time in my 32 year career I have been laid off

do you have a good idea of your monthly expenses?
that is an important figure to have when figuring things out.
by epictetus
Wed Oct 04, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1470

Re: River cruise recommendations (Europe)

I have a friend who has taken several Viking river cruises in Europe and she has been very pleased with her experiences.

Avalon is a division of Globus tours. Although we have never taken a river cruise we have taken a few Globus tours and have been pleased with them.
by epictetus
Sat Sep 30, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4229

Re: Waxing my car!

i use Turtle Wax Spray On wax.
you spray it on and wipe it off.
seems to last for me as well as anything I have used.
gives a very glossy/shiny finish.
and goes on/off easily/quickly.
by epictetus
Sat Sep 30, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)
Replies: 29
Views: 1337

Re: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)

except for the Chevron stock the rest looks fine.
and she already has plan for how to resolve the Chevron stock issue
by epictetus
Wed Sep 13, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can't Register With TransUnion
Replies: 16
Views: 1608

Re: Can't Register With TransUnion

after spending parts of two days trying to do the freeze online with Transunion I gave up and called. it was an automated process to do the freeze. took a total of 3 minutes and 25 seconds according to the timer on the phone. I had been dreading calling but wish i would have done it to start with.
by epictetus
Sun Sep 10, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401k - Fidelity Funds - Investor Class to Premium Class
Replies: 3
Views: 397

Re: Fidelity 401k - Fidelity Funds - Investor Class to Premium Class

there is no cost to convert. and i think the conversion is done automatically once you reach that amount
by epictetus
Sun Aug 27, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Amazon "subscribe and save"
Replies: 20
Views: 1473

Re: Amazon "subscribe and save"

we buy our dog food through subscribe and save. only that one item. each month you get an email several days before the item ships with the price of the item, when it will ship, etc. you can change the quantity, delivery date, or skip that month very easily on the website. it is very easy to set up ...
by epictetus
Sun Aug 27, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 6982

Re: Adjusting AA as retirement nears

Vanguard used to have a calculator that would allow you to put in the amount you have, yearly expenses, stock/bond ratio, how long you needed the money to last, etc. I looked for it just now but didn't find it. When I used it in the past I was very surprised how little difference it seemed to make i...
by epictetus
Tue Aug 01, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 2878

Re: Auto Battery

quoted from sport: "The way to tell the expected life of a car battery is to look at the ratings. There should be a "cc rating" and a "reserve capacity" rating. The cc rating is the amount of current the battery can supply for 30 seconds at 0 degrees F. This shows the ability to start a car in cold ...
by epictetus
Sun Jul 30, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Buying Shoes
Replies: 12
Views: 1285

Re: Buying Shoes

if she can find something she likes from SAS I would encourage her to try them.
they are made in San Antonio and I have found the quality has remained unchanged (very high) over many, many years of wearing them.
by epictetus
Sun Jul 30, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 2878

Re: Auto Battery

so are batteries sold by auto dealers the same ones that come in the car when new? am wondering if it would be better to replace dead battery with new one from dealer versus from another source? does anyone have experience replacing dead battery with battery from the dealer and the replacement batte...
by epictetus
Sun Jul 16, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3672

Re: Thinking out loud

When I have thoughts similar to the ones you are having they always and only seem to occur when the market has been going up and up for the last several years :-) and i have been having those thoughts lately re: maybe age in bonds is too conservative. If I had these thoughts after the market had dro...
by epictetus
Sun Jul 16, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1856

Re: Low cost index funds/Fidelity

here is a link to the info page on this site re: using Boglehead approach with Fidelity index funds:

https://www.bogleheads.org/wiki/Fidelity

if you stick with the index funds you will be fine at Fidelity.

any reason you are moving to Fidelity from EJ instead of to Vanguard?
by epictetus
Sat Jul 15, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 3059

Re: Teeth Whitening

i use a Crest Whitening Rinse. i tried the Crest Strips but they made my teeth tingly right away. I have not had that problem with the Rinse and have been using it every night for a few years.
by epictetus
Sat Jul 15, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7315

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

i use a basic push mower. i decided with the last mower to buy a cheap one and hopefully it would last long enough that when something major broke on it i would just buy a new one instead of paying to fix it. i bought a Murray mower with a B&S engine for $150. this year is the 10th year i am using i...
by epictetus
Sat Jul 15, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Use Emergency Fund to Payoff CC Debt?
Replies: 17
Views: 1305

Re: Use Emergency Fund to Payoff CC Debt?

how about pay off half of the CC debt immediately. then wait a month and see how things are going and if things are going ok/you feel ok with it pay off the other half? that would leave a larger emergency fund at first in case something unexpected happens in your first month or two on the job. and t...
by epictetus
Sun Jul 09, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5597

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

natural peanut butter on whole wheat bread makes a fine, filling lunch. no refrigeration needed.
by epictetus
Tue Jul 04, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Education, encouragement, handholding on brokerage account
Replies: 6
Views: 513

Re: Education, encouragement, handholding on brokerage account

if you have a Vanguard account, what is the advantage of moving to ETFs versus staying with mutual funds?
by epictetus
Sun Jul 02, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard... Possible to auto invest in ETF's?
Replies: 25
Views: 2265

Re: Vanguard... Possible to auto invest in ETF's?

can the Vanguard brokerage account be set up to purchase mutual funds automatically? if so you could just do that and forget the ETFs.
by epictetus
Wed Jun 28, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 4006

Re: Consumer Reports Renewal (or not?)

we have subscribed for about 25 years. have never made a significant purchase without consulting CR. i agree totally the magazine is only a shadow now of what it once was. in the old days there was a lot of data, test results, etc. that you could really pore over. i am not aware of an alternative so...
by epictetus
Tue Jun 27, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Receiving Magazines...Never Subscribed
Replies: 19
Views: 1273

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: 1959

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: 4234

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: 3075

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: 4811

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 "one fund" solu...
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: 4556

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: 1928

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: 3309

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: 5598

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: 759

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: 2813

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: 1275

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: 8709

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: 1959

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: 3309

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: 5493

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: 1398

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: 2273

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: 2745

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: 7814

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: 10758

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: 1420

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: 757

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: 2728

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: 6993

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: 3159

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: 1620

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: 5818

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: 5720

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: 8585

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...