Search found 1212 matches

by jdb
Fri Nov 17, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 64
Views: 3530

Re: Tesla truck unnveil

But what I really want are all electric Tesla (or any other brand for that matter) buses, especially tour buses. Have you ever been stuck in heavy traffic on two lane road behind diesel exhaust spewing large bus and couldn’t pass and had to breathe the fumes? Ought to be a law.
by jdb
Fri Nov 17, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 63
Views: 3361

Re: My dad's army jacket

Wear it if it is meaningful to you. I have been wearing my father’s dog tags issued in 1942 which he wore through almost 4 years of jungle combat in New Guinea and the Pacific Islands and Philippines, found them in his cigar box with Army medals etc after he passed. He never spoke of his experience,...
by jdb
Fri Nov 17, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 64
Views: 3530

Re: Tesla truck unnveil

Thanks for the link. I am waiting for the pickup truck.
by jdb
Thu Nov 16, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1060

Re: Maui Jim Sunglasses (or similar quality)

Absolutely love my MJ's. Bought them 4 years ago, have dropped them many times and they have not scratched. They were $89.99 at Costco in Arizona. The only problem I have had is that the little "sweat guard" near the forehead fell off and they don't have any replacements. Agreed, bought MJ at Costc...
by jdb
Wed Nov 08, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 5052

Re: "The small-cap effect really has failed to materialize"

Thanks nisiprius, it is comments like yours that get me to read this site at least once a day. And usually learn something each time.
by jdb
Wed Nov 08, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1902

Re: What is the story with the Apple iWatch Series 3?

As an early adopter now on the second generation watch (I dropped #1 on a marble floor and it did not do well) I enjoy the watch for silly reasons. It can keep my toddler grandchildren entertained touching the Mickey and Minnie Mouse faces to hear them speak the time. Every morning my coffee is brew...
by jdb
Tue Nov 07, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 848564

Re: What Book Are You Currently Reading? Part VI

Just finishing Admiral of the Ocean Sea by Samuel Eliot Morison. I very much enjoyed the Fourth Voyage of Columbus recommended on this site (thanks ruralavalon) and decided to go to one of its principal source books. The author, perhaps more famous for his multi volume History Of United States Naval...
by jdb
Wed Nov 01, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Matching bond duration to....?
Replies: 17
Views: 1087

Re: Matching bond duration to....?

I think there is too much negativity as to long term bond funds, especially as counterbalance to equities. For my retirement accounts the fixed income component a mix of TBM, TIPS ladder and Wellesley. But for taxable I really appreciate the Vanguard Admiral Long Term Tax Exempt, have as a rule of t...
by jdb
Tue Oct 31, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: Should I switch from a muni bond ladder to a bond fund?
Replies: 12
Views: 1755

Re: Should I switch from a muni bond ladder to a bond fund?

At the Bogleheads conference a couple weeks ago a fellow attendee and friend told me he was considering the opposite, converting his bond funds into a muni ladder, a friendly financial institution would do it for 40 basis points. I told him that I have a muni ladder which I accumulated years ago usi...
by jdb
Fri Oct 27, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 685
Views: 30496

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Mel Lindauer wrote:
Fri Oct 27, 2017 11:57 am
spoco79 wrote:
Tue Oct 24, 2017 11:28 am
2522.69
You're almost a year late. Guesses were closed many moons ago.
Oh shoot, and I was waiting for December 30 to put in my estimate.
by jdb
Fri Oct 27, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Vanguard's size a worry
Replies: 21
Views: 4399

Re: Bogle: Vanguard's size a worry

I hope Vanguard at least doubles in size next 5 years. It would mean that millions more investors participating in their very low cost index based funds which will benefit the investors. Hopefully many more pension funds which now rip off their retirees by investing in the horrific hedge funds which...
by jdb
Tue Oct 24, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11058

Re: Can one have too much money in tax-deferred

There is nothing new under the sun. Over 30 years ago my then stockbroker friend advised me not to max out the retirement contributions, he wanted me to pay taxes and use what was left to buy more stock from him. And this was in the days of fixed price stock commissions when paid an arm and leg for ...
by jdb
Mon Oct 23, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 2748

Re: Pant Recommendations (Business Casual)

Business casual to me was always a pair of dress slacks and a decent shirt and proper shoes. I always had the slacks adjusted by a tailor when I bought them. The "casual" was the pitching of the jacket and tie. I normally kept a jacket and tie in my office. Some places I had to go would be awkward ...
by jdb
Mon Oct 23, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4301

Re: what is your weekly workout routine?

Age 69, retired. 3 to 4 hours manual labor every weekday morning in my tropical fruit tree orchard and apiary and tropical plant hobby nursery. After Hurricane Irma have been doing daily chain saw work plus even more heavy lifting. Take a break every Wednesday afternoon and Saturday for 18 holes of ...
by jdb
Fri Oct 20, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25486

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

OK, I’m in during the subscription period, at least enough for Admiral shares of both funds, exchanges from Wellesley account in IRA. Liked the video of the manager, she is a former mechanical engineer, and at Boglehead conference yesterday a Vanguard executive responding to an audience question gav...
by jdb
Fri Oct 20, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3614

Re: For those near retirement and rebalanced to Bonds...

In retirement. Bernstein Liability Matching Portfolio. Allocation 30/70. IPS detailed and intact and followed. Sleep factor 100% What the market does lately, or non-lately (is that a word?) is irrelevant. Ignore the noise. :D +1. I am not sure whether Sandtrap copied my IPS or I copied his but we b...
by jdb
Tue Oct 17, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 7170

Re: Vanguard expects "decent sized correction" soon

I rebalanced this morning. My wife has been reading all the headlines about the stock market constantly hitting new highs, market valuations high, anniversary of the 1987 crash and she wants us to reduce our exposure to stocks, "take money off the table". I said no way, we're not market timers. We'...
by jdb
Tue Oct 10, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 173342

Re: Tesla ride

Bogleheads: I was invited to go for a ride in the top of the line Tesla with automatic steering. Without warning, the driver floored the accelerator. I painfully bumped my head on the headrest as we zoomed ahead. The acceleration was almost unbelievable and seems useless to me. Hands off the steeri...
by jdb
Tue Oct 10, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 173342

Re: Tesla S

Sometimes a little perspective is needed. This thread began in summer of 2012. Tesla stock price then was less than $40. Now over $350. And most of the comments back then were not favorable. Our Tesla MS was delivered end of 2012. Same time we invested in company since were so impressed with the veh...
by jdb
Fri Sep 29, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 53660

Re: Any books really change your outlook on life?

Confessions of a Born-Again Pagan by Anthony Kronman.
by jdb
Thu Sep 14, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 4467

Re: Large portable generator vs. permanent natural gas generator for home

Interesting thread. Listening to our 27KW generator running outside the house as read this thread, it has been running now for over 5 days since (and during) Hurricane Irma, powering house including two a/c compressors. And not that noisy, far less than portable generators. Problem here in south Flo...
by jdb
Thu Sep 14, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

Re: AMEX app

This is one of those few decisions that have no downside. For my Citi and Amex credit cards I have the applicable Apps. Very useful, can see daily charges and arrange for payments, the Amex App is particularly user friendly. Good luck.
by jdb
Thu Sep 14, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: 3Q2017 Estimated taxes are due 15 Sep 2017
Replies: 14
Views: 861

Re: 3Q2017 Estimated taxes are due 15 Sep 2017

Thanks Victoria. Wish you had posted this in early June for the second installment, I was a couple months late, just forgot. But for those of us in the Florida Counties impacted by Hurricane Irma we have until end of January 2018. And very helpful, running house on generator for electric have no Int...
by jdb
Wed Sep 06, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25248

Re: Name something you had to have and now you regret purchasing it?

Joining a hoity toity golf club/resort about hours drive from our house. We belong to nice local club, I enjoy playing golf there couple times a week and the restaurant. I had a couple friends who were members at the very hoity toity club and would play there with them, for some reason I decided wou...
by jdb
Wed Sep 06, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: structured notes ?
Replies: 10
Views: 943

Re: structured notes ?

I think Jason Zweig summarized it best in his definition of Structured Products in the Devil's Financial Dicfionary: "Investment Products structured to be profitable to the firms that sell them and incomprehensible to the clients who buy them."
by jdb
Mon Sep 04, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 3026

Re: Would you rather (car wash/detail)

Years ago I had an epiphany. In the time spent driving to a car wash and waiting for the car wash to be finished I could pull out a hose in driveway and wash two cars. Plus a lot cheaper even when invest in good car soap and wash towels. Haven't been to a car wash since then.
by jdb
Wed Aug 30, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 848564

Re: What Book Are You Currently Reading? Part VI

Over half way through a re-read of the twenty Patrick O'Brian novels featuring Captain Aubrey and Dr. Maturin, not only best nautical warfare historical fiction but in my opinion amongst best historical novels period. Last read them over 20 years ago, great thing about re-reading is that don't need ...
by jdb
Tue Aug 29, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4274

Re: Desperate to get rid of mosquitoes, what else could we try?

Interesting thread. I live in south Florida, have hobby tropical fruit tree orchard and backyard bee hives along with many palm trees, bromeliads and orchid collection, plus we have many many mosquitoes, almost year round, which visit us from the Everglades. Hate to be bearer of bad news but sprayin...
by jdb
Tue Aug 22, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6361

Re: Safe car for wife and baby

Place a deposit for the Tesla Model 3. Then lease a Volvo XC60 for two years, when lease is up you should be getting delivery of the Tesla. Our young adult daughter drives the Volvo and my wife and I drive Teslas, these are amongst the safest cars on the road. Good luck.
by jdb
Tue Aug 22, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3045

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

I have not been to a movie theater in at least three years. In fact haven't watched a movie in that time. Lost interest in movies years ago, for awhile was being good husband accompanying wife to movies once a year. But she has learned to go to occasional weekend matinees with girlfriend while I am ...
by jdb
Fri Aug 18, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9954

Re: Non-fiction bucket list

Interesting thread, lots of good recommendations, many of which I have enjoyed reading. And suggestions which I will be following up, already have ordered the Mungo Park book on his Africa exploration in 1790's and will be ordering the Kim Philby book, Spy among Friends. But for me the best books ar...
by jdb
Wed Aug 16, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2832

Re: Big family, small house dilemma -- kid bedrooms in basement?

I lived w/sibling in a basement br as a teenager while parents and other siblings lived 2 floors up. No one had their own bedroom. So I don't understand the issue. +1. With five siblings in family I ended up having bedroom in basement most of my 18 years living at home, part of the time with younge...
by jdb
Mon Aug 14, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4691

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

I like Christine Benz and appreciate her Morningstar columns. Think that this is a good article, not complicated. She does avoid QCD issues which are important. I will wait until end of year when my RMD are due, after QCD. Thanks Christine. The underlined is not clear to me. If you mean you will ta...
by jdb
Mon Aug 14, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2949

Re: Electric future for us

You are eventually going to run out of places to fill up. Electric car? Our next car will be 100% electric. We live in the city and only put 4500 mi/yr on our car. A typical day of driving is way under 20 miles. Yes, another good reason to go all electric and use your garage as fueling station. As ...
by jdb
Sat Aug 12, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4691

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

I like Christine Benz and appreciate her Morningstar columns. Think that this is a good article, not complicated. She does avoid QCD issues which are important. I will wait until end of year when my RMD are due, after QCD. Thanks Christine.
by jdb
Tue Aug 08, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2716

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Man, maybe I'm just too young to realize it, but aside from the addictive nature of gambling and the false dreams of a promising reward, I have no idea why one would choose to play a slot machine for hours on end. I seriously would do anything else than sit in a dark room with lots of noisy dinging...
by jdb
Fri Aug 04, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7827

Re: Study: Who Sold Stock During the 2008-9 Crash?

It was at the same time I discovered this site (then called Diehards) and Vanguard Index funds and portfolio allocation and diversification. I was 100 percent individual stocks, full service broker. Suspect I helped send his kids to private school. Did not know what TLH was, but sold all individual ...
by jdb
Tue Aug 01, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 10320

Re: Has the "bond bubble" caused you to change your allocation?

Yes, back in 2010 when there was constant noise about bond bubble and muni bond collapse, as contrarian I loaded up on muni bonds in taxable account, both Vanguard funds incuding long term, intermediate and short term, and individual muni bond ladder, and in tax deferred accounts a TIPS ladder toget...
by jdb
Sun Jul 23, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 848564

Re: What Book Are You Currently Reading? Part VI

Ten Days That Shook The World by John Reed with introduction from V.I. Lenin, published by International Publishers. Found this old book at used bookstore in Seattle, appears to be a 1920's edition, contains extensive Appendix and has strange pink sticker in back saying that it was "fumitized". I ha...
by jdb
Wed Jul 19, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13208

Re: Books not to read.

Thread title is bad karma. Problem is not about reading wrong books, it is about not reading enough books. If don't like book go on to another. But not good karma to advise anyone against reading. My two cents.
by jdb
Thu Jul 13, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 7914

Re: Bogleheads: Please help me pick a new car

Get in line for a Tesla Model 3. Will need some patience. In four years your son will thank you.
by jdb
Wed Jul 12, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 8394

Re: how to destroy hard disk with personal info

This is such an exciting thread. We have over 25 years of hard drives in an extra closet on shelves, never got around to getting rid of them, always thought could be historical artifacts, but since we have been in same house for over 30 years and I didn't like Marie Kondo book not the only stuff we ...
by jdb
Sun Jul 09, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of long term bonds
Replies: 26
Views: 2344

Re: Talk me out of long term bonds

Vanguard Long Term Tax Exempt is one third of my taxable FI portfolio, other two thirds the Vanguard intermediate tax exempt and Vanguard short term tax exempt. All great funds. So go for it. And my advice is of course worth every penny that you paid for it.
by jdb
Sun Jul 09, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3879

Re: Is Vanguard down this AM (7/9/17)?

Hi, Bogleheads. My apologies for the inconvenience this morning. We know some clients are having difficulty accessing their accounts as a result of an update over the weekend. We are working to make sure all clients are able to log back in as soon as possible. We apologize for any inconvenience and...
by jdb
Sat Jul 08, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 7398

Re: Retirement is Risky Business

Risk 20: Being taken to the cleaners by your Retirement Income Certified Professional risk Dale That makes me think of all those "free" dinner invitations I get from those "Retirement Income Certified Professionals." The expression should be: "There ain't no free dinner." :happy Maybe I am foolish,...
by jdb
Mon Jul 03, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 2358

Re: Best tool/technique for grill cleaning?

On my Kamado Joe, I either burn everything off at around 700F or so OR I use this wooden grate cleaner if I'm in a hurry - works great!: http://amzn.to/2tCDpAs +1 as to the wooden grate cleaner for my Big Green Egg, picked one up at Costco. When using it first time on hot grill the grate burns trac...
by jdb
Sat Jul 01, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2941

Re: A TIPS is maturing in Fidelity. What to do?

So I was reading this interesting discussion about reinvesting TIPS ladder maturities without personal involvement until just received message from Vanguard that have same TIPS issue redemption on July 15. Small world. Was one of first purchases of my TIPS ladder. I plan to use most of proceeds to b...
by jdb
Tue Jun 27, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 1764

Re: Do you check your dividends?

Also never and none. Trust Vanguard to do it right. And I don't balance our checkbook either but that is another topic.
by jdb
Wed Jun 14, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 7008

Re: Does anyone read the Wall Street Journal?

Haven't missed an issue of WSJ or NYT for more than past 20 years except when traveling overseas. And I don't like to read online articles, like to get ink on my fingers from newsprint. If had to choose between them would pick NYT for more intellectual content but WSJ has good insight into world of ...