Search found 285 matches

by mancich
Sun Apr 15, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10796

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: 3921

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: 329
Views: 21666

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: 2547

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: 3516

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: 3223

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: 8522

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: 3312

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: 2162

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: 2897

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: 4474

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: 1277

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: 808

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: 1326

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: 1292

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: 1326

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: 9
Views: 1326

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: 5784

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: 6392
Views: 1370914

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: 1082

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: 1082

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: 151
Views: 14353

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: 2941

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: 3643

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: 557
Views: 61713

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: 6209

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: 2972
Views: 916144

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: 8486

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: 8486

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: 8486

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: 8486

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: 6499

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: 8486

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: 8486

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: 218985

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: 4228

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: 2972
Views: 916144

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: 5914

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: 2160

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: 3742

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: 6222

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: 5242

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: 3228

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: 12627

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: 1896

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: 4985

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: 132
Views: 19681

Re: My boneheaded financial mistakes

Tried to time the market more than once. hint: it doesn't work :beer