Search found 397 matches

by epictetus
Mon Mar 06, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 1932

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: 6461

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: 7816

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: 1266

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: 622

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: 2348

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: 6080

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: 2938

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: 1376

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: 5214

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: 5020

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: 8120

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: 826

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: 2470

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: 2535

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: 1984

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: 1235

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: 2875

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: 3037

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: 4151

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: 3835

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: 2292

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: 1961

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: 2027

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: 2371

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: 2171

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: 1682

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: 2944

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: 2235

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: 2599

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: 1421

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?
by epictetus
Sat Aug 20, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Best interest paying savings accounts?
Replies: 9
Views: 1272

Re: Best interest paying savings accounts?

Barclays' Bank online and Discover Bank online.
No problems with either one.
Easy to set up and use.
Easy to transfer money from checking account to savings account and vice versa.
by epictetus
Sun Jul 24, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Trip/vacation package deals
Replies: 6
Views: 898

Re: Trip/vacation package deals

we have taken a few trips with Globus and enjoyed them. you can buy the airfare through them. they are very easy to work with and we have had no problems with them. you can book the trip directly through them. they have trips that are a bit cheaper (Cosmos), more independent trips (Monograms) and ri...
by epictetus
Wed Jul 20, 2016 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?
Replies: 19
Views: 1215

Re: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?

that's what we did with my wife's plan.
and her ER for the S&P500 index fund was 1.00
by epictetus
Sun Jul 10, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally or Capital One 360 online savings account?
Replies: 38
Views: 4782

Re: Ally or Capital One 360 online savings account?

Barclay's Bank and Discover Bank are also 2 other online savings accounts to consider
by epictetus
Fri Jul 08, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3589

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

let them supply the part and do the labor.
that way they are owning the whole process if you have some problems afterward.
that price is in-line/a bit lower than the price i paid to have the same repair done a few years ago on the same vehicle
by epictetus
Thu Jun 23, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Group Travel?
Replies: 14
Views: 1673

Re: Group Travel?

the hospitals in my town conduct regular travel outings in small groups for senior citizens (not sure what age it would be to qualify). some are to more local attractions and some are to Europe. you might check the hospitals in your area to see if they have something like that
by epictetus
Wed Jun 22, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: European Package Tours
Replies: 23
Views: 1778

Re: European Package Tours

we have used Globus tours several times before and have been pleased with them. a friend has used Viking cruises several times and has been pleased with them.
by epictetus
Sun Jun 12, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired Police Sergeant 457(b) plan
Replies: 25
Views: 3209

Re: Newly retired Police Sergeant 457(b) plan

there is the option of getting money out of the 457 prior to 59 1/2 without penalty. I don't know if that would also apply to a Rollover IRA but I don't think so. hopefully someone will correct me if I am wrong. Would suggest putting most of that 100,000 in your checking account into an online savin...
by epictetus
Mon May 30, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Walkers for short people
Replies: 5
Views: 604

Re: Walkers for short people

they make walkers for children. I bet they make rollators for children too. that might be more the right height. the local medical supply store should be able to find what you need.
by epictetus
Sun May 29, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Conundrum
Replies: 25
Views: 2105

Re: Asset Allocation Conundrum

Bogle's rule of thumb re: age in bonds would have you somewhere around a 60/40 to 50/50 allocation. If you deploy 1/2 the money now and the other half in monthly increments over the next 12 months that might take some of the stress out of getting started. The key is to find an allocation and strateg...
by epictetus
Tue May 17, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: My friend wants to invest money; please review my advice for her
Replies: 44
Views: 4043

Re: My friend wants to invest money; please review my advice for her

is she going to be ok with this plan when the stock part drops by 50%?
if not it isn't a good plan for her
by epictetus
Sun May 08, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Plan to break up with advisor, but feeling nervous
Replies: 30
Views: 3537

Re: Plan to break up with advisor, but feeling nervous

If you call Vanguard they should be able to help you transfer this account. Since it is an IRA account there shouldn't be any tax concerns when you transfer. Vanguard should (I think) be able to tell you if all these funds can transfer in and then you can sell them once they are transferred. The pre...
by epictetus
Sun May 08, 2016 9:09 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 4215

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

Happy Birthday Mr. Bogle!
Thank you for being such a reliable North Star!!
by epictetus
Thu Apr 28, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 7449

Re: What's become of Consumer Reports?

we have subscribed for around 25 years and i could not agree more with the comments already made.
it is sad for me to see how CR has declined.
my entire adult life i have never made a significant purchase without consulting CR.
will be a real loss not to have that resource going forward.
by epictetus
Fri Apr 22, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 2976

Re: Pop up ads driving me nuts! Please help

i use firefox and ad-block plus.
ad-block plus should stop the problem for you.
by epictetus
Sun Apr 17, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 6607

Re: HELP! HR Doesn't Believe in Index Funds for 401k

I would let it drop and put your contribution into the S&P index fund. My wife is paying 1% for the S&P 500 index fund in her 401k and that is the cheapest fund offered. The powers that be might not take too kindly to you pushing this issue. you can complement that holding with other holding...
by epictetus
Sat Apr 09, 2016 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer in Hand, Delaying Notice
Replies: 42
Views: 4248

Re: Job Offer in Hand, Delaying Notice

if the norm at your company is 2 weeks notice for people in your position, and there is no written policy on it, that is what i would suggest you give.

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