Search found 317 matches

by mancich
Thu Jun 21, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 89
Views: 4669

Re: What is/ was your career and would you recommend it now?

Consumer Packaged Goods. If you can get in with a large manufacturer and are willing to relocate, it can be a pretty good career, especially in sales. 6 figure income usually within 2-4 years of graduating from college if you are a go-getter. I'd do it again.
by mancich
Wed Jun 20, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3498

Re: Sherwin Williams paint

We have Benjamin Moore solid stain on the outside of the house and it holds up great. On the inside, various room have either Benjamin Moore or Behr's best quality paint + primer in one. For the bathrooms, we use a dedicated kitchen and bathroom paint from Ben Moore. I think as long as you do a good...
by mancich
Tue Jun 19, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Retire at 50: Should I?
Replies: 74
Views: 8722

Re: Retire at 50: Should I?

You've won, nice job. I'd quit today. :beer
by mancich
Tue Jun 19, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 43
Views: 4240

Re: Advice on using a wealth manager or financial advisor?

Buy a Vanguard Target date fund and be done with it. It doesn't get any simpler. Yes, the bond portion is tax-inefficient in a taxable account, but it's better than paying a wolf in sheep's clothing an annual fee, along with the dogs with fleas they will sell you in the form of high expense ratio mu...
by mancich
Mon Jun 18, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7217

Re: Which Supermarket are you?

We pass six other grocers on our 15 mile drive to Wegmans every Friday night. It is the best grocery store in this country. +1 I wish they were in our area, they are wonderful stores. Not necessarily the cheapest, but IMHO, definitely the best. Their produce, meat, fish, bakery, etc are outstanding...
by mancich
Sat Jun 16, 2018 4:29 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6608

Re: can we afford to spend $20K on travel annually

You can absolutely afford it and should do it. Memories with your wife and children are priceless. :happy
by mancich
Fri Jun 15, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11055

Re: Which boglehead rule do you break--and are ok with

I own an actively managed fund (T. Rowe Price Blue Chip Growth) in addition to my index funds inside my 401k. It is an excellent fund, despite the .70% ER.
by mancich
Wed Jun 13, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 127
Views: 9795

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

He compares Large Cap Growth funds over the last 40 years to the S&P 500 and says that the former have averaged 13.02% and the latter 11.8%. But is this net of fees (higher expense ratios for the average actively managed fund, plus the cost of an investment advisor, which DR strongly advocates) ? If...
by mancich
Wed Jun 13, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36850

Re: Bogleheads, tell me about your 40's?

My 40's are now in the rear view mirror and I must say, I cant believe how time flies. Turning 50 didnt bother me, then I took a stress test and found I have some heart issues due to not taking care of myself and some eyesight issues. How did this happen? Likely from forgetting about my body and wo...
by mancich
Sat Jun 09, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Re: Upgrade to SSD for 5-year old desktop?

wcshaff wrote:
Sat Jun 09, 2018 8:14 am
I have a 5-6 year old Dell XPS and upgraded last year with the Samsung 850 SSD using Macrium cloning software. Works great and is incredibly fast. Will boot up in about 10 secs. Highly recommend making the move.
Leaning that way for sure, thank you
by mancich
Sat Jun 09, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Re: Upgrade to SSD for 5-year old desktop?

PFInterest wrote:
Sat Jun 09, 2018 1:58 am
Dottie57 wrote:
Wed Jun 06, 2018 1:48 pm
I would upgrade to SSD. I would also look at memory.

The difference in speed between SSD and hard drive is enormous.
Yes SSD. Like yesterday.

What's the problem with 16Gb of memory exactly?
No problem at all
by mancich
Fri Jun 08, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: My Pension is Really Valuable
Replies: 13
Views: 2123

Re: My Pension is Really Valuable

It seems like a good pension to me, but counties, cities, and states can have unforeseen budget difficulties down the road. You never know. I would still try to save and invest what you can above and beyond your expected pension.
by mancich
Thu Jun 07, 2018 2:58 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Re: Upgrade to SSD for 5-year old desktop?

Great feedback, thanks everyone. I am probably going to do the upgrade to the SSD. Again, it is for preemptive purposes and to ensure another 4-5 years. The machine in its current state is super fast and loads any program in about a second. I use it only for Office 2010, Quicken, web browsing, and a...
by mancich
Wed Jun 06, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Re: Upgrade to SSD for 5-year old desktop?

Any other parts on desktop that tend to die with time? (power supply, motherboard etc)?
by mancich
Wed Jun 06, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Re: Upgrade to SSD for 5-year old desktop?

Thanks for the replies. I watched videos on YouTube, and it looks like Macrium Reflect Free would work well.
by mancich
Wed Jun 06, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4097

Re: steel cut oats in bulk

toofache32 wrote:
Mon Jun 04, 2018 6:51 pm
So confused. Are we talking about oatmeal here?? Breakfast?? Whatever happened to Quaker?
Quaker is by far the leading oatmeal company, and also sells Steel Cut Oats.
by mancich
Wed Jun 06, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Upgrade to SSD for 5-year old desktop?

I have a 5 year old Dell XPS, Core i7, 16 gig RAM, 1 gig video card, 1 TB hard drive. I only have about 100 gig of data on this drive. The computer works great, and does everything I need to it do. I have no plans to buy a new computer, since this once works great. Here is my question: not sure what...
by mancich
Wed Jun 06, 2018 4:10 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

I want to double check here you are maxing out 2 401ks and 2 Backdoor roths. Then in addition you are putting 20-25% of your monthly take home in a taxable account so about 3k a month or so? If that's the case frankly you are doing great. This is about 85k saved a year in total(plus 401k match) tha...
by mancich
Tue Jun 05, 2018 4:04 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

I hate the idea of having some sort of personal spending money that the other spouse has no say in. When I want something, I buy it. When my wife wants something, she buys it. We don’t buy things that we think the other would disapprove of, and we discuss things that are over arbitrary values. It s...
by mancich
Tue Jun 05, 2018 4:03 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

Thanks for all the great responses. To me, "optimize spending" means not wasting money and getting the most utility out of what we do spend it on. Now I know that "wasting money" means different things to different people. :beer I do like the perspective that as long as we're on track to meet our f...
by mancich
Mon Jun 04, 2018 3:58 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

Thanks for all the great responses. To me, "optimize spending" means not wasting money and getting the most utility out of what we do spend it on. Now I know that "wasting money" means different things to different people. :beer I do like the perspective that as long as we're on track to meet our fi...
by mancich
Sun Jun 03, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

Fellow BH's: I'm curious what people allocate in their monthly budget for personal money. My wife and I take home about $13,500 a month on average (not including a yearly bonus in March). I set aside $500 in our budget spreadsheet for me (this also covers misc trips to Home Depot and the like). I h...
by mancich
Sat Jun 02, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

Appreciate the different perspectives. We do have a joint account from which most expenses are paid (and into which paychecks are deposited). Then from that account, we transfer money to her account for her personal expenses, and that has generally worked well. I was just curious if the absolute amo...
by mancich
Sat Jun 02, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

obgraham wrote:
Sat Jun 02, 2018 2:57 pm
My suggestion:
Ask wife how much she wants.
Give it to her.
Get on with what will now be a long and happy life.
Words to live by! :beer
by mancich
Sat Jun 02, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Re: Is our monthly Personal money out of line?

Thanks for the replies.
by mancich
Sat Jun 02, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44368

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

Office 365. It is sluggish on my relatively fast PC. I went back to Office 2010 which is very speedy.
by mancich
Sat Jun 02, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7450

Is our monthly Personal money out of line?

Fellow BH's: I'm curious what people allocate in their monthly budget for personal money. My wife and I take home about $13,500 a month on average (not including a yearly bonus in March). I set aside $500 in our budget spreadsheet for me (this also covers misc trips to Home Depot and the like). I ha...
by mancich
Sat Jun 02, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15308

Re: Top Shelf Liquor Overrated?

I think it depends. if you drink certain beverages neat, you may very well notice a difference. If you mix with something else (tonic, cranberry, in the case of vodka), as many people do, I would say it doesn't make much difference. Hypothetical taste test: line up 5 small vodka and cranberries. Hav...
by mancich
Sun May 27, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945328

Re: What Book Are You Currently Reading? Part VI

"Factfulness" by Anna Rosling Rönnlund, Hans Rosling, and Ola Rosling. Recommended as a summer reading book on the Gates Notes site, and so far, it is very interesting.
by mancich
Sun May 27, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75083

Re: Netflix, Your Current Favorite Show

I like to watch Frasier and Cheers while I workout in our basement gym. The writing never fails to make me laugh :D
by mancich
Sat May 05, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 40
Views: 3845

Re: Family vacationing

Jersey shore has always been fun for us, and not too expensive. Long Beach Island or Wildwood Crest are both nice.
by mancich
Sun Apr 15, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11943

Re: We crush stock indexes, Yale claims

Vanguard Balanced Index Admiral shares returned almost 14% in calendar 2017. The geniuses at Harvard returned 8.1% in their FY 2017. The largest endowment fund in the world, and my backdoor Roth outperformed it in percentage terms. The point is that much of the time (not all), the simple index appro...
by mancich
Wed Apr 11, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4204

Re: Am I being unreasonable?

You're not being unreasonable. Your child is 5. Your parenting (reading with her often, limiting TV time, etc) will go a lot farther than a $20,000/yr kindergarten.
by mancich
Sat Mar 24, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24108

Re: Anyone Deleting Facebook?

I have a personal FB account which I check once in a while, and to which I post only occasionally. I generally think it is a waste of time. If I had a business I could see using it for that purpose, but there is so much pointless stuff on there. I see grown adults obsessively checking FB on their ph...
by mancich
Sun Mar 18, 2018 5:12 am
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 2704

Re: Soft boxer shorts for men

I love Fruit of the Loom. $16.50 for 5 on Amazon. Very comfortable, reasonably durable.

Fruit of the Loom Men's Big Soft Stretch-Knit Boxer (Pack of 5)
by mancich
Fri Mar 16, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 57
Views: 3717

Re: Modest stereo system

Sonos provides great sound quality, convenience, flexibility and value. It's all wireless. It will be able to connect whatever you have. You can start off with a few components and add to it to meet your budget and interests. To get noticeably better sound quality you will need to spend at least do...
by mancich
Fri Mar 16, 2018 4:39 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3421

Re: Which Day Hiking Trails Do You Recommend?

The Appalachian Trail is great if you're on the east coast. It goes from Georgia all the way up to Maine, so there are plenty of segments that might work for you if you're out this way. I live in NY, and it is fairly close to my house. Like any trail, it has its very challenging segments and its eas...
by mancich
Tue Mar 13, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8953

Re: traveling to mexico, should I be concerned?

Been to Mexico 3 times - twice to Cancun, once to Riviera Maya. Never a hint of a safety issue, but plenty of stomach "issues" :P Seriously, you'll probably be fine by staying on a nice all-inclusive resort, but if you're really concerned, there are plenty of other places to go that have great weath...
by mancich
Tue Mar 13, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3515

Re: House Hunting Concerns With Well

We have a 400' well that gets something like 12gpm. Just replaced the well pump (about $2,000), and the well tank in the basement will eventually have to be replaced too. We have never had an issue with water pressure or the well "drying up" or anything like that, but if I had it to do over again, I...
by mancich
Thu Mar 08, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date Funds
Replies: 25
Views: 2301

Re: Vanguard Target Date Funds

Vanguard Target Funds are great. We have the 2025 fund and I am very happy with it. There is the bond inefficiency aspect if held outside a retirement account. But they are a great overall solution if you don't want to mix your own
by mancich
Thu Mar 08, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 3024

Re: Can we afford a 760K home

Probably, but it would be a little too tight for my tastes. But then again, DW and I are at a different stage of our lives than you and your spouse. I like a smaller house payment and more money available to invest, go on vacations, etc. No right or wrong here, just a matter of your priorities (whic...
by mancich
Sat Mar 03, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 4730

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

This looks like something Ameriprise would come up with. Or Edward Jones, Or Morgan Stanley. Or...
by mancich
Sat Mar 03, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: online savings
Replies: 20
Views: 1424

Re: online savings

I've had good luck with Ally Bank. Very competitive online savings rates, and good customer service. No problems whatsoever.
by mancich
Tue Feb 27, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Pension "bridging" at Megacorp if laid off - is this common?
Replies: 3
Views: 826

Pension "bridging" at Megacorp if laid off - is this common?

Megacorp where I work recently had a reorg. I made it through but several friends with 20+ years experience at the company did not. Our pension basically allows for early retirement at 55, at which point you can take a lump sum and roll to an IRA, or choose a variety of monthly lifetime payments (wi...
by mancich
Tue Feb 20, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Jersey shore vacation cost
Replies: 9
Views: 1393

Re: Jersey shore vacation cost

Thanks again everyone!
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: 20
Views: 1415

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: 9
Views: 1393

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.