Search found 269 matches

by mancich
Tue Feb 20, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Cut down on retirement savings to build emergency fund
Replies: 11
Views: 409

Re: Cut down on retirement savings to build emergency fund

I'd cut back the Roth for a year or two. You seem to be doing well with your other retirement contributions and have a healthy retirement balance for your age. You need a solid emergency fund. I am also assuming you have average job security; a shakier position would require a higher emergency fund.
by mancich
Tue Feb 20, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Jersey shore vacation cost
Replies: 5
Views: 810

Re: Jersey shore vacation cost

Good feedback, thanks everyone! I do like the idea of maybe next summer seeking out some other parts of the country; love the Yellowstone idea in particular.
by mancich
Sun Feb 18, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Jersey shore vacation cost
Replies: 5
Views: 810

Jersey shore vacation cost

My wife and I are taking our 3 daughters (6, 10, 14) to Wildwood Crest 7/1 - 7/8. We've been there before, as well as Ocean City and Long Beach Island. We've always had a good time and the kids love it. We booked a condo through VRBO, with total cost being about $3,700 for 7 nights (this includes th...
by mancich
Tue Feb 06, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5593

Re: Laughter is the Best Medicine - What makes you Laugh?

Good standup comedians. Jim Gaffigan (several specials on Netflix) and Sebastion Maniscalco (also on Netflix) are two of my favorites. Also like Curb Your Enthusiasm. My children make me laugh quite a bit too :beer
by mancich
Mon Feb 05, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

Unless we think this signals the collapse of American capitalism, we should just disregard and stay the course. For all we know, the market could jump 500 points tomorrow on some seemingly arcane piece of news. :beer
by mancich
Sun Feb 04, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1005

Re: Is VPN needed on a home desktop PC?

Thanks for the quick replies.
by mancich
Sun Feb 04, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1005

Is VPN needed on a home desktop PC?

My desktop PC is used primarily for financial transactions, personal e-mail, and general surfing. It is hard-wired, not wi-fi. I don't visit questionable sites and I'm not a gamer. Is there any real reason to use a VPN (e.g. NordVPN or similar)? I'm not overly concerned about my ISP snooping on me a...
by mancich
Sun Feb 04, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 149
Views: 13331

Re: What is the best home exercise equipment?

We have a simple home gym in the basement, with free weights and several pairs of dumbbells, a treadmill, and plenty of floor space to do core work. Plus a TV to stream Netflix, etc to pass the time while working out. Gets the job done.
by mancich
Sun Feb 04, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 2809

Re: What Would You Do With $100,000 Right Now

If it was new/found money, I'd set aside maybe $5,000 for a vacation, $10,000 for some stuff I want to change around the house, and invest the remaining $85,000 per my IPS. :beer
by mancich
Sat Feb 03, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3357

Re: Do you live on a budget?

Sort of, but it is fluid. As long as we live well beneath our means (and we do), I don't stress too much about it.
by mancich
Sat Feb 03, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41411

Re: Netflix, Your Current Favorite Show

The Blacklist. Seasons 1-4 are on Netflix. James Spader is a great actor.
by mancich
Fri Feb 02, 2018 5:40 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman: Vanguard, Other Bitcoin Deniers Will Eat Their Words
Replies: 47
Views: 6045

Re: Ric Edelman: Vanguard, Other Bitcoin Deniers Will Eat Their Words

I listen to the show occasionally for entertainment value, but would never in a million years pay him or anyone else an ongoing fee to manage my money.
by mancich
Tue Jan 30, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2846
Views: 893759

Re: What Book Are You Currently Reading? Part VI

"Enemy at the Gates: The Battle for Stalingrad". Fascinating read about one of the bloodies battles in human history. Just finished Da Vinci by Walter Isaacson, also a great book
by mancich
Sun Dec 17, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8298

Re: Year end review with less nerdy spouse

Glad this post generated so much conversation! :D
by mancich
Tue Dec 12, 2017 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8298

Re: Year end review with less nerdy spouse

Doom&Gloom wrote:
Mon Dec 11, 2017 9:17 pm
I wouldn't dare.
:D
by mancich
Mon Dec 11, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8298

Re: Year end review with less nerdy spouse

jebmke wrote:
Mon Dec 11, 2017 6:32 pm
mancich wrote:
Mon Dec 11, 2017 6:07 pm
(what do we want to accomplish together in 2018)
Doesn't sound like there is much "together" in this if you are preparing the slides.
It's just the mechanics of summarizing. It is better than taking her through Excel and Quicken.
by mancich
Mon Dec 11, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8298

Re: Year end review with less nerdy spouse

delamer wrote:
Mon Dec 11, 2017 6:29 pm
If she starts to yawn at slide #9, then stick to 8 slides. :?

Do you follow up on her suggestions? Nothing more frustrating then regularly being asked for an opinion, but that opinion never affecting the result.
Yep, I do definitely incorporate her ideas and suggestions. I know better :D
by mancich
Mon Dec 11, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5945

Re: Kidde fire extinguisher recall

Mine were on the affected model list, but I called and gave them the serial numbers, and my specific extinguishers were not affected.
by mancich
Mon Dec 11, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8298

Re: Year end review with less nerdy spouse

Be sure to include “keep non-nerdy spouse” amongst your 2018 targets :) More seriously, money is a delicate matter and not all people have the same interest in optimizing the wealth-lifestyle curve. I never insist on anything unless there is the mathematical certainty of a better outcome for her as...
by mancich
Mon Dec 11, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8298

Year end review with less nerdy spouse

I'm sure I'm not the only one who takes the personal finance lead in marriage. My DW is certainly not frivolous and generally we follow a budget (I like to call it our spending plan), but I'm the analyzer and spreadsheet jockey. We review our spending plan monthly, but at year end I like to bring it...
by mancich
Sat Dec 09, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 217394

Re: TV show recommendations?

Curb Your Enthusiasm. Seasons 1-8 are free on Prime. Very funny show, but not appropriate when the kids are around.
by mancich
Fri Dec 08, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3950

Re: Please suggest a dry hands product

I use Aveeno and love it. No greasy feel and absorbs well. I've found the Equate brand to be almost as good and it is inexpensive too.
by mancich
Wed Dec 06, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2846
Views: 893759

Re: What Book Are You Currently Reading? Part VI

Just finished "A River in Darkness", about a man who escaped North Korea after 36 brutal years. Really a fantastic (though heart-breaking) book
by mancich
Sat Dec 02, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5617

Re: Edward Jones trap

My dear departed mother used to say it best: MYOB "Mind your own business". It is enough to follow the Boglehead way and let other people do it their way. If they ask your opinion or for advice, that is a different story. :beer
by mancich
Mon Nov 27, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 2062

Re: I have Microsoft Office 2007. Should I upgrade?

No. I've tried Office 2016 and it runs slower on my fast desktop PC. Other than a different color for Excel, Word, PowerPoint, and Outlook, and a few extra bells and whistles that many people don't use, I don't see the point. If you share Office files with others, you do need to be more careful sinc...
by mancich
Thu Nov 02, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3496

Re: Do you Mow your own Lawn?

Mow my own. John Deere 42" with bagger. Love it; it has a cup holder for the beer. Also leafblow with the Stihl backpack.
Also snow-blow the driveway. All are therapeutic for me.. :beer
by mancich
Fri Oct 27, 2017 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6053

Re: Index investing is boring

Whether it is boring or not isn't relevant. It works. Find excitement in other areas of life :beer
by mancich
Tue Oct 24, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5009

Re: what is your weekly workout routine?

I'm blessed with a very fast metabolism, even at 50. I do weights every other day, full body, as supersets. So bench presses and pullups or rows, deadlifts I usually do alone, then squats and calf raises, and dumbbell curls and tricep bench presses. Finish up with core work like planks and crunches....
by mancich
Tue Oct 24, 2017 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 3109

Re: Thank you Jack, Taylor and Mel!!

Echoing all the many thanks. I've learned so much from this amazing forum. Great knowledge and perspectives :beer
by mancich
Sat Oct 21, 2017 4:34 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 12268

Re: Converting to Safety Razors

I subscribed recently to Harry's, and I'm getting the best shave of my life from their blades... and I have a very rough beard. $15 for two months of blades is the plan I'm on. Highly recommend them
by mancich
Sun Oct 08, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1827

Re: How Often Should I Have Chimney Cleaned (New England)?

We do it yearly (we live in Hudson Valley area of NY) . We use the fireplace a lot and for a couple of hundred bucks it is cheap piece of mind.
by mancich
Wed Sep 27, 2017 4:05 am
Forum: Personal Consumer Issues
Topic: $7 flights on RyanAir
Replies: 39
Views: 4904

Re: $7 flights on RyanAir

For $7, do you get to fly on the inside of the plane? :D
by mancich
Wed Sep 27, 2017 4:04 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17507

Re: My boneheaded financial mistakes

Tried to time the market more than once. hint: it doesn't work :beer
by mancich
Fri Sep 22, 2017 3:53 am
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 11494

Re: No More Saving???

Nope. DW and I are aggressive savers/investors, and while we buy what we need/want within reason, I just can't see spending all surplus income beyond what we need to pay for our bills. Buying a lot of stuff doesn't make us happy, and how many vacations (experiences) can we go on in a given year with...
by mancich
Sat Sep 09, 2017 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 56086

Re: Equifax customer information leak

As other posters have mentioned in this and other threads, you should take 3 steps immediately: 1. Freeze your credit. it is either free or a very nominal amount. For the few times that you need to apply for new credit, a temporary unfreeze (a few days or a week) is sufficient and cheap 2. Enable tw...
by mancich
Tue Sep 05, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 4600

Re: Did Charmin UltraSoft TP become "UltraThin"?

"Can you spare a square?" - Elaine from Seinfeld...
by mancich
Thu Aug 31, 2017 3:58 am
Forum: Investing - Theory, News & General
Topic: James Altucher's get-rich-quick pitch
Replies: 17
Views: 4584

Re: James Altucher's get-rich-quick pitch

Thanks all. As I said, I would never fall for a pitch like this, I was just more curious on what he was actually selling. :sharebeer
by mancich
Wed Aug 30, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: James Altucher's get-rich-quick pitch
Replies: 17
Views: 4584

James Altucher's get-rich-quick pitch

Ok, I like James Altucher's quirky writing, though I know he is trying to sell his products and books. I am a Boglehead through and through and don't believe in get rich quick schemes, and would never buy any program from him or anyone else. However, for my curiosity, watch this video and help me un...
by mancich
Wed Aug 30, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 7913

Re: Bosch dishwasher?

We own a mid-range Bosch as well (Ascenta model). If I recall it was $550 on sale from Lowes. They delivered and installed it, and hauled away the old Kenmore which had died after many years of service. I've had the Bosch about 3 years now. Very quiet. Stainless steel sides and back, plastic bottom ...
by mancich
Wed Aug 30, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 3351

Re: Best lubricant for exterior door locks

+1 for powdered graphite.
by mancich
Sat Aug 26, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 136
Views: 22942

Re: 30,000 in Checking Account

The previous posters have excellent suggestions. In my opinion, view your checking account as a way station; money comes in via your paycheck, then goes out to pay bills and fund investments and online savings account for your emergency fund. Keep no more in there than you need, plus a little buffer.
by mancich
Sat Aug 26, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: "Your Financial Life Is Complicated; Your Portfolio Shouldn't Be"
Replies: 8
Views: 1979

Re: "Your Financial Life Is Complicated; Your Portfolio Shouldn't Be"

I just watched The Retirement Gamble online on PBS' website. It was very well-done and reinforced everything I (we) believe as a Boglehead. Simplicity and low cost win the day. Thanks for posting this Taylor :beer
by mancich
Thu Aug 24, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 5152

Re: Exhaust Fan for the bathroom

Panasonic, as several posters have already said. We use the large one (300 CFM?) and it works great, and is very quiet.
by mancich
Fri Aug 18, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10943

Re: Non-fiction bucket list

I'm a non-fiction junkie (drives my wife crazy, as she's a pure fiction reader). The one easy non-fiction read that I very often recommend and give away to lots of people is A Short History of Nearly Everything, by Bill Bryson. Several of his other books are great too. +1 Outstanding book, he is a ...
by mancich
Wed Aug 16, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 17764

Re: Postal Service -- "informed delivery"

Good tip, I signed up too.
by mancich
Tue Aug 15, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 10349

Re: Is $9000 too much for a sectional sofa ?

If it's made of 24 carat gold, then no, it's not too much. Otherwise, it is grossly too much. :beer
by mancich
Tue Aug 15, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3974

Re: What kind of hotel do you get on business travel?

My company has a cost saving initiative for travel (hotel, airfare, meals). There is a hotel rate cap by city, so I'm limited by that. Usually Courtyard or Fairfield Inns work fine, and also earn me some Marriott points. They're usually fine.
by mancich
Mon Aug 14, 2017 4:08 am
Forum: Personal Consumer Issues
Topic: Paint vs. Stain on fiberglass door
Replies: 11
Views: 1200

Re: Paint vs. Stain on fiberglass door

I would paint it. For best results, use a coat of primer (such as Kilz) first, then 2 coats of of a high quality paint (I personally like Benjamin Moore).
by mancich
Fri Aug 11, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 2714

Re: Diversify Your Emergency Fund?

If you want to diversify, then go with (2) online banks, each paying about 1% and FDIC insured, and call it a day. No reason to over-complicate things, especially not for the emergency fund portion of your assets.