Search found 356 matches

by meowcat
Sat Sep 16, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Howard Marks on Passive Investing
Replies: 16
Views: 2878

Re: Howard Marks on Passive Investing

There is one thing index investors should never forget. In this world of investment opportunities, index investing gives us the greatest odds of reaching our goals.
by meowcat
Sat Sep 16, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 165
Views: 14563

Re: Let's talk about your FI # and family income

saveinvestbecomefree wrote:
Fri Sep 15, 2017 1:08 pm
I agree with others that income is not the relevant factor, expenses are.
In the draw down phase, this is true. During the accumulation phase, income is everything.
by meowcat
Wed Sep 13, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 1853

Re: Herd mentality

You're right I actually have no idea how they are really doing but they have a nice house and lots of bravado. You never know who your neighbors really are until you know. This is very important. You said it yourself, you just don't know. Many, many folks just like them (or appears to be like them)...
by meowcat
Fri Sep 01, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "75 Must-Know Statistics About Long-Term Care"
Replies: 24
Views: 3688

Re: Christine Benz: "75 Must-Know Statistics About Long-Term Care"

With statistics like this, why do so many Bogleheads frown on LTC insurance?
by meowcat
Tue Aug 29, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute noob when it comes to investing needs advice
Replies: 80
Views: 4610

Re: Absolute noob when it comes to investing needs advice

ok, heres a question on specific calculations i made and i would like to hear where i am going wrong here. Being clueless about what i'm doing, asking where what i am calculating/theroizing goes wrong will help me understand some things that are confusing to me. Also what fees i would incur if sell...
by meowcat
Fri Aug 18, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9421

Re: When does renting make sense

We paid a mortgage for 31 years in two different cities. All it ever did was drain our bank account and make us poor. Renting has made us whole again.
by meowcat
Fri Aug 18, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10402

Re: Anyone planning on never retiring?

Life gets in the way, sometimes throwing all plans out the window. I had a good friend with a very clear retirement plan. Trouble is, as he approached that target age of retirement, he found himself making more money than he'd ever made in his life and absolutely loved what he did. Needless to say, ...
by meowcat
Wed Aug 02, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 23830

Re: How much money do you need to retire?

Me: 54. DW: 52. Would like to see 1.5mm - 2.0mm. We are on track if we work until 67.
by meowcat
Tue Aug 01, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2531

Re: Buying a 2017 Lexus ES 350

2017 ES350 owner, here. I like it. It's quite comfortable, quiet, silky smooth, velvety luxurious, and pretty reliable. If there were one thing I would complain about, it would be the fact that it's not that fun to drive. Don't get me wrong, the car does exactly what it's supposed to do, which is co...
by meowcat
Tue Aug 01, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1554

Re: Who's Responsible?

Thanks for the feedback, Gentlemen, I appreciate it. :happy
by meowcat
Tue Aug 01, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1554

Re: Who's Responsible?

Never mind. Let's try this one more time. The USPS lost my package they claim got delivered. It it my responsibility to chase down the missing package or is it the senders responsibility? How hard can it be? Forget Amazon. Forget the refund.
by meowcat
Tue Aug 01, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1554

Re: Who's Responsible?

Thanks. Aside from the fact that I have my refund from Amazon, I'm asking a simple question; Is it my responsibility to chase down a book that the USPS lost?
by meowcat
Tue Aug 01, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1554

Who's Responsible?

So, I bought a used book from Amazon.com. It wasn't an expensive book, costing less than $5. It was purchased through a third party seller on their site. USPS tracking shows the package delivered but I never received it. I checked with my neighbors and they don't have it. I contacted the third party...
by meowcat
Fri Jul 14, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5177

Re: When to max out 401k (Aspiring Early Retiree)

If you ever hope to retire at 50, you absolutely must save as much as you can as early as you can. That's just simple math.
by meowcat
Fri Jul 14, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 33
Views: 2228

Re: Is new car replacement insurance worth it?

I have new car replacement. Lucky for me because I just used it. My 3 month old Accord got totaled and my insurance bought me a brand new carbon copy. I didn't pay extra for it, though, it was included in my policy.
by meowcat
Wed Jul 12, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 820875

Re: What Book Are You Currently Reading? Part VI

Big John Grisham fan, here. I've read them all. Just finished The Whistler and Camino Island.
by meowcat
Mon Jul 10, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3644

Re: The cost of car ownership

I just bought a brand new Accord. I'm a boglehead. The only reason I did it was because: 1. I drove my last car for 15 years and put 200k miles on it. Beginning to leak oil. 2. I plan on keeping my new car for the same 15 plus years. 3. I can afford it and still continue to max out mine and my Wife'...
by meowcat
Wed Jul 05, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3885

Re: Expensive Car Repair, New Engine

Something doesnt add up Sure it does. The OP states that he bought the car "lightly" used. Unfortunately, there's no way for him to know for sure how it was maintained. I work in the business and I see lease returns all the time that have never had their oil changed. I've seen dealers retail used c...
by meowcat
Wed Jul 05, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14172

Re: Are you finding any good values at Amazon anymore?

I don't do much buying on Amazon anymore. They used to be one of my favorite online retailers. Lately, though, they have become the worlds largest flea market. Too many third party sellers, peddling knock-off merchandise. I've been burned in the past purchasing items that were labeled original and i...
by meowcat
Thu Jun 15, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1517

Re: Getting a Florida Sunpass

[/quote] Agreed. The net cost of the sunpass is zero, as they typically give a $5 credit.[/quote] Last time I bought a 5 dollar Sunpass I was expecting the credit but I am pretty sure that I did not get it. I do like another poster's idea of Scotch Taping the thing to your windshield. I didn't think...
by meowcat
Wed Apr 26, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Schwab Vs. Vanguard?
Replies: 32
Views: 6178

Re: Schwab Vs. Vanguard?

Thanks for the info.
by meowcat
Wed Apr 26, 2017 6:23 am
Forum: Investing - Theory, News & General
Topic: Schwab Vs. Vanguard?
Replies: 32
Views: 6178

Schwab Vs. Vanguard?

I've been looking at Schwab's website, comparing costs between their index funds and Vanguard's, specifically, total stock market and S&P 500. There's a nice link on Schwab's site where you can compare costs with Vanguard funds. Something is amiss, however, as Schwab says Vanguard's TSM is 4 bas...
by meowcat
Tue Apr 25, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12658

Re: Ordering a Weber grill this week

Curse you guys! Grill Grates are now on my wishlist. I'll give myself a week or so cooling off period before I place my order though. I'm considering only getting enough to cover half my grill as I think I would rather use the old grates to slow-cook items such as chicken at lower temps. Good or ba...
by meowcat
Tue Apr 25, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12658

Re: Ordering a Weber grill this week

Jimmy. The "heat capacity" is why the Weber comes standard with these big thick massive cast iron grill grates. Each grate weighs 5lbs (?). So it holds the heat and will not cool off or heat up fast. That is also what the sear burner is all about. It is BIG burner that puts out a lot of h...
by meowcat
Tue Apr 25, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12658

Re: Ordering a Weber grill this week

Meow. My Weber has a sear burner and three other burners. It gets to 600 degrees in about 10 minutes if I turn everything on and leave the lid closed. It is too hot to do steaks at that temperature, but it is great for pizza. I usually heat the grill to 400 degrees for cooking steaks and burgers. I...
by meowcat
Tue Apr 25, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12658

Re: Ordering a Weber grill this week

Now I am curious. Why use those aluminum grill mate things instead of the cast iron OEM grates from Weber. My Genesis came with great iron grates that do very good grill marks and let the oil and grease go down to the flame covers and burn. This is the way the grill was designed to work. The Weber ...
by meowcat
Mon Apr 24, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 12772

Re: Single most important investing advice?

I've been saving in a 401(k) since I was 24 years old. Of course, at that age I really didn't know what it truly meant for my future. That all changed when we moved to Florida in 2000. I couldn't get a job because I had lost my SS card and I had to go down the the nearest SS office to apply for a ne...
by meowcat
Wed Apr 19, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Favorite online sources for household & personal care items?
Replies: 11
Views: 966

Re: Favorite online sources for household & personal care items?

I've been pretty leery of Amazon, lately. I can just never be sure I'm getting real name brand stuff. I've been burned a couple of times already. We all know about the Tide debacle. The good thing about Amazon: they will make it right, fast.
by meowcat
Thu Apr 13, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2556

Re: Week in San Diego - What to do?

I'm from San Diego originally. definitely try and see the world famous San Diego Zoo. Old Town, Seaport Village, while you're there get up to the Top of the Hyatt and have a cocktail with views that are unbelievable. Gaslamp District, Sea World, Mission Bay, Have a drink at the barefoot Bar. Ride th...
by meowcat
Thu Apr 13, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12658

Re: Ordering a Weber grill this week

delete
by meowcat
Thu Apr 13, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12658

Re: Ordering a Weber grill this week

Big fan of Weber grilles, here. I had a S-310 a few years ago, it was a fine grill. The only issue I had with it was that it had to be used with the lid closed. It would not cook with the lid open, at all. I called Weber and they said it was normal. They said their grille's are designed and engineer...
by meowcat
Tue Apr 11, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Financial Advisers
Replies: 12
Views: 2094

Re: Financial Advisers

Client: "Are you a registered fiduciary?"
Adviser: "Why yes, yes I am. ('I'm not working as a fiduciary on your behalf, though') (under his breath)
by meowcat
Mon Mar 13, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: What do you expect to achieve with your Tilt?
Replies: 85
Views: 7037

Re: What do you expect to achieve with your Tilt?

I tilt heavily to Small and mid (not value). It's worked quite well for me in the past. My expectations are.. well, I've learned not to expect too much as high expectations often end in disappointment.
by meowcat
Fri Mar 10, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 14410

Re: GEICO auto rates vs. USAA: too good to be true?

Insurance companies always want to know why you're leaving but they will never actually do anything about it. Insurance Co: Mr. Jones, why are you leaving us? What can we do to keep you as a customer? Mr. Jones: You can lower my $6,000 annual rate by 5% Insurance Co: Sorry, can't do that. Anything e...
by meowcat
Tue Mar 07, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1994

Re: Am I Paying Too Much in Expense Ratio?

Pay particularly close attention to the chart that William4u posted. You are young so you have a potential savings career of 45 years. Did you notice that if you were to stay with your advisor the entire 45 years he and his company will be robbing you of 70% of your retirement money. Further, if you...
by meowcat
Thu Mar 02, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18147

Re: Possibly Financially Independent and Feeling Miserable

I recently calculated I can spend the entirety of every single paycheck after 401k contributions for the rest of my life and still be ok. That is to say, I still have to work, but I don't have to save a single dime ever again. I can live paycheck to paycheck. Hi, TomCat. Can you elaborate on this a...
by meowcat
Sat Feb 18, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2491

Re: Induction cooktop impressions?

Love my induction cooktop. Had gas before that and haven't looked back. Easy to wipe down and keep clean, easy to use as a surface when not cooking (putting a plate or bowl on it for instance. One tip I'd highly recommend if you are willing to pay extra is to get a zoneless model-- the cooktop is a...
by meowcat
Tue Feb 14, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: New car purchase
Replies: 12
Views: 1755

Re: New car purchase

I just put $6k on my card at a Honda dealer last night.
by meowcat
Tue Feb 14, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Paying asset management or going solo route.
Replies: 4
Views: 429

Re: Paying asset management or going solo route.

bbfuzion wrote: It has a 1 percent yearly fee and after it hits 250k it moves to a 1.3 percent fee.

This doesn't sound right, double check it. The more money you have with an institution the less you should be paying in fees.
by meowcat
Thu Jan 12, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 5914

Re: EJ not [costing me as much as] others?

I think that at the very best my portfolio is performing on par with the indices (after fees) Some of the brightest minds on this board have told you otherwise and after 3 pages of non biased feedback you continue to believe this. No one here has an agenda except to see you learn and succeed. The r...
by meowcat
Wed Jan 11, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Ft. Lauderdale
Replies: 8
Views: 1097

Re: Ft. Lauderdale

I live in south Florida, near Fort Lauderdale. There is plenty of waterfront dining and it's highly recommended. Take a ride on the Water Taxi and check out "Beverly Hills" on the water, Amazing. Las Olas shopping is a must. Lulu's Bait Shack on Fort Lauderdale beach is a landmark not to b...
by meowcat
Wed Jan 11, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 5914

Re: EJ not [costing me as much as] others?

I think that at the very best my portfolio is performing on par with the indices (after fees) Some of the brightest minds on this board have told you otherwise and after 3 pages of non biased feedback you continue to believe this. No one here has an agenda except to see you learn and succeed. The r...
by meowcat
Thu Jan 05, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 8025

Re: 500K milestone celebration

No small feat, congratulations!
by meowcat
Thu Jan 05, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4558

Re: You have 5-10 minutes to teach someone about personal finance

blueberry wrote:
Live well below your means and learn to enjoy and take pride in that.

Best quote in the entire thread. This is gold.
by meowcat
Wed Jan 04, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260367

Re: What are you up YTD? [Year To Date]

100% Equity
IRA: 11.6%
401(K): 15.93%
by meowcat
Thu Dec 29, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: What a exactly is a "separate account" in the context of a fund in a 401(k)?
Replies: 18
Views: 1301

Re: What a exactly is a "separate account" in the context of a fund in a 401(k)?

Our John Hancock 401(k) is run this way. They call it a group annuity. John Hancock invests in the funds themselves and your 401(k) contributions are invested with JH through the "sub accounts" that own the funds. The participant doesn't own the funds, JH does.
by meowcat
Fri Dec 16, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 5134

Re: Sous Vide?

..... My wife was skeptical at first but she loved the steaks and pork chops cooked this way and finished on a cast iron pan. I saw a video where Adam Savage (Mythbusters) did a video on the best way to sear a steak (outdoors). I may have to try that charcoal chimney method it warms up. m I tried t...
by meowcat
Tue Dec 13, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 5553

Re: What % of your net income do you save (not including 401k/IRA)

0% outside of retirement. About 30% (gross) goes to 2 401(k)'s
by meowcat
Mon Dec 12, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: A question for newbie Bogleheads
Replies: 22
Views: 2209

Re: A question for newbie Bogleheads

One percent didn't seem like much. It sure does now!
by meowcat
Tue Nov 15, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio return: very low. Any suggestions
Replies: 36
Views: 4303

Re: Portfolio return: very low. Any suggestions

boglefin wrote:The list of items in the portfolio is a bit too long to post here.

Big red flag, right there.