Search found 163 matches

by mancich
Fri May 12, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 2023

Re: Fidelity portfolio advisory services

Nope, no need. It is not that difficult, and there are a ton of smart people on this board who will help you for free.
by mancich
Thu May 11, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's ELP's pay him to not understand investment fees
Replies: 24
Views: 2421

Re: Dave Ramsey's ELP's pay him to not understand investment fees

I guess Dave thinks he is a smarter investor than Jack Bogle and Warren Buffett, both of whom strongly endorse index funds for the average investor. I'd love to hear someone get through to him on his show and call him out on that.
by mancich
Wed May 10, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3227

Re: What to do with older laptop?

Linux is a good idea if you want to keep it. Keep it as an extra device just to surf the web, or for a younger child or grandchild to do so.
by mancich
Mon May 08, 2017 5:28 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 2854

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

Happy Birthday Mr. Bogle and thank you for all you have done for the world of investing!
by mancich
Sun Apr 30, 2017 1:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Go Inside Jack's Office
Replies: 21
Views: 2473

Re: Go Inside Jack's Office

What a great video, thank you. He is such a wonderful man
by mancich
Mon Apr 24, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan for self-employment
Replies: 3
Views: 460

Re: Retirement plan for self-employment

livesoft wrote:Yes, she is allowed. See: https://www.irs.gov/pub/irs-pdf/p560.pdf Retirement Plans for Small Business. If her/your accountant was not helpful, get a new accountant.


Thanks for the quick reply
by mancich
Mon Apr 24, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan for self-employment
Replies: 3
Views: 460

Retirement plan for self-employment

My wife works full time for NY State and contributes 10% to her deferred compensation plan. She is in the mental health field, and also does counseling work on the side for a psychologist who has his own practice. He gives her a 1099 at the end of the year. Our CPA files a Schedule C as part of our ...
by mancich
Sun Apr 23, 2017 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 19667

Re: Any regrets living a frugal life for high income/high networth individuals?

No regrets at all... Living frugal is not only good for you financially but it is good for the soul. After a while you realize all the "stuff" is just crap anyway. A good family, good children, great life experiences beat cars and boats anyway. Also, it is so liberating to know you are no...
by mancich
Tue Apr 18, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

Re: 2009 Toyota Highlander on the way out

raspino wrote:One consideration you must bear in mind is fuel efficiency. Going from Toyota Highlander to the Denali, you are likely to notice significant increase in your fuel expense. That has been my dilemma for sometime now. I am considering the 2017 Chevy Tahoe and coming from a Honda.


Good point, thank you
by mancich
Tue Apr 18, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

Re: 2009 Toyota Highlander on the way out

50k for a GMC???? I looked it up and the MSRP for the very top trim is around 45. And GM discounts and rebates like crazy so most likely you could get a loaded model in the 30s. If it makes her happy whats the big deal ?- that number is just a couple months cashflow at your salary. Most households ...
by mancich
Tue Apr 18, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

Re: 2009 Toyota Highlander on the way out

Happy wife, happy life. Ralph For a good number here, that saying is "cringe worthy". I understand what you mean, but many who don't have their financial house in order should not live by that motto. Yet they do. Many do. We don't have any money and have a lot of debt...but it will make m...
by mancich
Tue Apr 18, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

Re: 2009 Toyota Highlander on the way out

ralph124cf wrote:Happy wife, happy life.

Ralph


Yep :sharebeer
by mancich
Tue Apr 18, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

Re: 2009 Toyota Highlander on the way out

Thanks for the replies so far, everyone
by mancich
Tue Apr 18, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

Re: 2009 Toyota Highlander on the way out

There have been quite a few similar threads in the past week. Big purchases, not wanting to spend "saved" money on them. My summary: If you don't want to save or pay with existing funds (cash or sell taxable), then the amount is too high. Yes, you can lease, get a 60 or 72 month loan. Tho...
by mancich
Tue Apr 18, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 690271

Re: What Book Are You Currently Reading? Part VI

Stretch by Scott Sonenshein. It appeals to me as a Boglehead in that it emphasizes making resources "stretch" further, rather than constantly chasing more resources.
by mancich
Tue Apr 18, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1805

2009 Toyota Highlander on the way out

Hello all, Here’s the situation. My DW’s 2009 Highlander has 167,000 miles on it, and we’re starting to encounter several repair bills (water pump, oxygen sensor, issues with stability control, etc). I would just get all this stuff fixed and drive it into the ground, but she’s getting the itch for a...
by mancich
Tue Apr 18, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8109

Re: Mens Blue Jeans - What are we buying now?!

Lee Premium Select straight leg. Kohls usually has them for $30 - $35 on sale. I'm hard to fit when it comes to jeans, and these are hands-down the most comfortable jeans I've ever worn. They have a little bit of stretch in them and fit perfectly. YMMV :beer
by mancich
Sat Apr 15, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Knee Problem - Emergency or NOT?
Replies: 5
Views: 944

Re: Knee Problem - Emergency or NOT?

I have had pain off an on for several years in my right knee. It would show up for no apparent reason out of the blue, ache like crazy, I'd take some OTC pain medication for a couple of days, and it would vanish for several more months. Finally got it checked out back in 2015. X-ray showed nothing. ...
by mancich
Sat Apr 08, 2017 5:08 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 5673

Re: What online bank do you use?

DW and I still use BOA for our checking account; just the bare bones account, with no fee, and no interest. it is just a place to receive paychecks and then pay bills. For online savings, we use Ally and CapitalOne. Happy with both of them and no issues ever.
by mancich
Thu Apr 06, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5692

Re: Keurig Coffee Makers

Had a Keurig and got rid of it about a year ago. I went back to a programmable coffee maker that has the coffee ready for me when I get up. I like Dunkin Donuts coffee, and the Dunkin K-cups didn't taste anywhere near as good. I also tried a few other brands and it just wasn't the same. But I will a...
by mancich
Tue Apr 04, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 27
Views: 5477

Re: "the Truth About Your Future" - Ric Edelman's new book

I haven't read his book but listen to his radio show. Interesting where he first lists financial advisers as one of the first jobs that will be replaced by robots. Yes, quite ironic :D I will say, in fairness to him, he states clearly that he and his firm do not and have not received any compensati...
by mancich
Tue Apr 04, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 27
Views: 5477

"the Truth About Your Future" - Ric Edelman's new book

Has anyone read it yet? I'm most of the way through it and find his discussion about exponential technologies very interesting. He plugs the iShares Exponential Technologies ETF (XT) a little, though I will stick with my 3 fund portfolio, thanks very much :sharebeer But overall, an interesting book.
by mancich
Thu Mar 30, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2338

Re: Do I need an electrician? If so how much would it cost?

I would get an electrician. Better to have peace of mind and have it done correctly.
by mancich
Wed Mar 29, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10181

Re: Not opting for 529... anyone else?

We use them in NYS. Nice $10,000 state income tax deduction for a married couple here. But our retirement savings, both in and outside of qualified accounts, comes first. I like the idea of paying for 4 years at a state school, and if you (the child) want to go to a more expensive private school, yo...
by mancich
Fri Mar 24, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1322

Re: Vanguard's website is down (for me anyway)

Same here. Still acting that way as of 6:25am EST
by mancich
Thu Mar 16, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1617

Re: Looking at refurbished desktop PCs

Great deals come up quite often on the Dell Outlet website
by mancich
Wed Mar 15, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 5579

Re: What to do with $100???

Dinner for yourself and/or significant other.
by mancich
Wed Mar 15, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Shiller says market is "way overpriced" - what a shocker
Replies: 34
Views: 4410

Re: Shiller says market is "way overpriced" - what a shocker

If you're a long term investor, then Robert Shiller's predictions and POV on market valuation are irrelevant. Even if you tend to agree with his current viewpoint, what next? Try to market time and go to cash? I can see maybe re balancing your portfolio to make sure it is in line with your desired a...
by mancich
Wed Mar 01, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 16602

Re: Possibly Financially Independent and Feeling Miserable

I have no reason to doubt the accuracy of your numbers. But the problem is that money is a means to an end; you've made it the end in and of itself. Does your wife share a similar overly-worried attitude? Did you grow up in a HH where there wasn't enough money, and one or both of your parents had a ...
by mancich
Wed Mar 01, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Vacation, major non essential expenses
Replies: 13
Views: 1636

Re: Vacation, major non essential expenses

We have multiple savings accounts with CapitalOne360 earmarked for categories like emergency living expense, vacation savings, car savings fund, home improvement fund. Every month we have 'x' amount of money going into each 'bucket' based on our savings priorities. As most of these are short term e...
by mancich
Tue Feb 28, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 50
Views: 2407

Re: Grass trimmer

As others have said, if you have a small yard, electric/battery may be fine. I tried the Ryobi 40V battery model and found it a bit wimpy for my medium sized yard needs. Sold it already, and am going to the local Stihl dealer in a few weeks to buy a new trimmer. I already have a Stihl backpack blowe...
by mancich
Mon Feb 27, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3399

Re: Do you clear your inbox?

I suspect that the folks who keep their inbox empty are the same ones who keep their desk clean, and the ones who let items linger in their inbox have lots of stuff on their desk as well. Either style can work if it fits your personality. I'm firmly in the large inbox/messy desk camp myself. +1 I h...
by mancich
Mon Feb 27, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 7713

Re: Do Boglehead DIY or Pay a Professional?

As many have said, it depends. If a DIY task is something you enjoy and can do well (and you have the time), then go for it; otherwise, pay someone else. I am good at painting but hate it. I have a very good painter who charges a fair price, and I have used him several times. On the other hand, I en...
by mancich
Mon Feb 27, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Re: Caribbean vacation with 3 kids

Thanks for everyone's responses!
by mancich
Sun Feb 26, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Re: Caribbean vacation with 3 kids

Dominican Republic is a cheaper destination - we've been twice - once to La Romana, last year to Punta Cana, and had very good experience as vacations with kids go. Last year an all inclusive for a week with 2 kids cost us $5k (we booked through Costco Travel). They had a kids club with activities ...
by mancich
Sun Feb 26, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Re: Caribbean vacation with 3 kids

Dominican Republic is a cheaper destination - we've been twice - once to La Romana, last year to Punta Cana, and had very good experience as vacations with kids go. Last year an all inclusive for a week with 2 kids cost us $5k (we booked through Costco Travel). They had a kids club with activities ...
by mancich
Sat Feb 25, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Re: Caribbean vacation with 3 kids

I would consider a cruise but my wife is cruise-phobic :annoyed Atlantis does look great, though pricey. I definitely am not trying to cheap out here, nor do I want to go to the other extreme; just looking for a Boglehead middle ground where get the best value. Thanks for the responses, the researc...
by mancich
Sat Feb 25, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 690271

Re: What Book Are You Currently Reading? Part VI

Jeff Bezos and the Age of Amazon, by Brad Stone. Very interesting read so far.
by mancich
Sat Feb 25, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Re: Caribbean vacation with 3 kids

I would consider a cruise but my wife is cruise-phobic :annoyed Atlantis does look great, though pricey. I definitely am not trying to cheap out here, nor do I want to go to the other extreme; just looking for a Boglehead middle ground where get the best value. Thanks for the responses, the research...
by mancich
Sat Feb 25, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Re: Caribbean vacation with 3 kids

Thanks , we will look into that as well
by mancich
Sat Feb 25, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2246

Caribbean vacation with 3 kids

Hello all, DW and I would like to take our three girls (5,9, and 14) on a nice vacation to the Caribbean later this year. Probably early summer, right after school gets out in late June. We are looking for a family-friendly all-inclusive that also has activities for the kids. We are looking to go fo...
by mancich
Sun Feb 19, 2017 12:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3967

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Simple awesome! Happy Birthday Bogleheads, and thank you all for your collective knowledge and wisdom. What an amazing group of people. Thank you most of all to Jack Bogle, who changed the face of investing so long ago. :beer
by mancich
Thu Feb 16, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3896

Re: How long do you keep your kitchen sponge?

A few weeks with frequent microwaving and dishwashing. But we actually tend to use microfiber cloths and disinfecting spray on the countertops. They work great and last for a couple of years. Just throw them in the washer and dryer. We've got a whole basket of them under the kitchen sink as well as ...
by mancich
Fri Feb 10, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Dumpsters
Replies: 15
Views: 1599

Re: Dumpsters

It will depend on the size. Our local trash company rents them in cubic yards, from 10 yards up to 22 yards. They drop it off, let us keep it for a week, then pick it back up. Costs range from $300 to $450, depending on the size. Pricey, but very convenient in my opinion.
by mancich
Fri Feb 03, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1179

Re: Is it normal to have mutual funds and ETF's or is either one or other?

I don't think it is normal or not normal. The question is if it is necessary. Assuming you are a buy and hold investor and not trading in and out of ETF's, a super low cost ETF from Vanguard, for example, or its super low cost index fund counterpart, will be about the same cost and accomplish the sa...
by mancich
Thu Feb 02, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Fixing Automatic Garage Door Motor
Replies: 18
Views: 1626

Re: Fixing Automatic Garage Door Motor

If the issue is the logic board, they're easy to replace. But a 19 year old unit doesn't owe you anything. The logic board for my Liftmaster model was $80 and I bought it on Amazon. Replaced it a couple of years ago and still going strong.
by mancich
Sun Jan 29, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2689

Re: Fire extinguishers

Nate79 wrote:We have 4 or 5 strategically placed throughout the house - bedroom, kitchen, garage, etc.


+1. Very smart and no downside. They're inexpensive, and this simple strategy could just save your life :beer
by mancich
Sat Jan 28, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: storm/screen door
Replies: 16
Views: 1274

Re: storm/screen door

Just had a Provia storm door installed back in August when we replaced our windows. It has built in screens and is very high quality. It was approximately $650 installed. Our front door was already very good at keeping out drafts, but this makes our foyer even more comfortable in winter, and will al...
by mancich
Sun Jan 15, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3780

Re: How High is Your TV?

I would put it so that the bottom of the screen is about 6" higher than your straight on vision level from the sofa or chair from where you will be watching it most. Don't put it over your fireplace, it usually looks unnatural and depending on how far you sit from it, tilting your head up will ...

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