Search found 1115 matches

by minesweep
Wed Oct 11, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11581

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by minesweep
Sun Oct 08, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2289

Re: What to do with unused paint?

It depends upon the type of paint. For oil based you need to bring it to a household hazardous waste disposal facility. For latex based pains you can wash it down the drain and throw away the containers . At least these are the guidelines where I live. Never pour paint into a drain. It can damage y...
by minesweep
Sun Oct 08, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2289

Re: What to do with unused paint?

This will make some people angry, but I make sure the lids are on properly then put it in thick contractor-style black trash bags and put it in the trash can for pickup. Where I live, the trash folks will take anything as long as they can't see what it is. Yes, it does make some people angry. Do yo...
by minesweep
Sat Oct 07, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8779

Re: Flafship Reps

i guess it's true. a million bucks ain't what it used to be. I recall watching the 1950's TV series called The Millionaire . I thought how great it would be to receive that much money back then. One millon dollars in 1958 had the same buying power as 8 1/2 million dollars would today. Inflation Cal...
by minesweep
Mon Sep 25, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3969

Re: Vanguard Health Care Fund in my portfolio?

Your Total Stock Market fund has 13.3% in healthcare. And your Total International Stock Fund has 7.75% in that sector. With the addition of the 20% healthcare fund Morningstar's Instant X-Ray shows that 39% of your stock exposure would be in healthcare.

The S&P 500 has 15% healthcare exposure.
by minesweep
Fri Sep 22, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8216

Re: Age you retired

Early retirement package at 55 years & 10 months back in January of 2001.
by minesweep
Thu Sep 21, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Letter For Survivor(s) / Executors
Replies: 10
Views: 1269

Re: Letter For Survivor(s) / Executors

I found this book from Nolo press to be useful in getting my affairs in order: https://www.amazon.com/Get-Together-Organize-Records-Family/dp/1413323154/ref=dp_ob_title_bk What I liked about it was its completeness. While I'd already thought of most aspects, it reminded me about issues (frequent fl...
by minesweep
Tue Sep 19, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25149

Re: Calling out the not so rich bogleheads

I would say that the forums are generally dominated by folks who are millionaires, multi millionaires or soon to be millionaires at very young ages. This has the effect of scaring away and/or creating resentment in a lot of people who are not close to being millionaires or even just plain wealthy w...
by minesweep
Fri Sep 15, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 818

Re: Is "Fall" grass fertilizer formulation really necessary?

I fertilize my lawn in mid fall with Scotts Turf Builder. I never gave thought to using their "Winterguard Fall Lawn Food". I figured it was just a marketing ploy. So I Googled it to find out the difference and this is what I found: What’s the Difference? Fertilizer bags always have three numbers pr...
by minesweep
Thu Sep 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8027

Re: Do you pay for yardwork?

I do all of my own yard work. I have a small property but it is a corner lot with slopes all around it (3’-6’ in height). I recently dug out two large dwarf hinoki cypress shrubs (although they are technically trees) that I planted about 3 decades ago and replaced them with two uprightish Green Moun...
by minesweep
Wed Sep 13, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051639

Re: U.S. stocks in freefall

Like a "stocks in unsustainable bubble" thread. There have been quite a few but none have the staying power of this thread. When the 5% "correction" comes this will show the ups and downs of the market. It used to pop up after a 2% drop, the 1% drop. Then the drops stopped and we got board. Word on...
by minesweep
Mon Sep 04, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9159

Re: Do you reinvest your dividends/capital gains?

We get this question asked at this forum every so often. Now we are getting a resurrected question from 2015. :shock:

I stopped looking once I got to page 4
by minesweep
Sat Sep 02, 2017 11:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6321

Re: Stan died

Stan the Man. RIP.
by minesweep
Thu Aug 31, 2017 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16933

Re: Is Bogelheads getting less interesting?

Maybe it’s because a number of the questions have been asked previously. After all it has been ten years since the Forum inception (even longer if you consider the old Diehards hangout at Morningstar). More than 213,000 topics have been posted thus far. Just today “livesoft” responded to a question ...
by minesweep
Wed Aug 30, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3319

Re: TaxAct for $13.50

I just received an invitation from Tax Act for their $13.50 offer. Maybe I won't need it. I could be filing my 2017 taxes on a postcard. :)
by minesweep
Wed Aug 23, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7144

Re: Lowes vs Home Depot

The Lowes in my area gives me a veteran ( not currently in military) discount any time I purchase something in their store. Most times I don't even have to show my DD214. I don't normally ask for a discount on small items I purchase, only on the more expensive ones to receive the discount. Home Dep...
by minesweep
Mon Aug 21, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4492

Re: Kitchen knife set. Good quality - Recommendations

One more vote here for the Wusthoff Classic knives. I purchased a number of Wusthoff Classic individual knives about six years ago and they have held up to my expectations. I purchased them at Bed Bath & Beyond because I got a better price with the 20% off coupon than I would have gotten at Amazon. ...
by minesweep
Sun Aug 13, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3490

Re: Your Movie Collection?

joe8d wrote:
Sat Aug 12, 2017 10:42 pm
All my movies are free from my Public Library.
+1
by minesweep
Fri Aug 11, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051639

Re: U.S. stocks in freefall

rgs92 wrote:It was Oct. 19th, 1987, not Oct. 9th.
Thanks for correcting my typo error.
by minesweep
Fri Aug 11, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051639

Re: U.S. stocks in freefall

So a 0 .9% drop in the Dow and a 1.45% drop in the S&P is a reason for discussion. A 5% correction is sometimes healthy for the markets. It doesn’t even come close to history’s top 10 one day losses for the Dow. My guess is that the stock market was just looking for a reason to skim some cream off t...
by minesweep
Mon Jul 31, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33729

Re: John Bogle Has Been Right About Investing In International Stocks

dos palomas wrote:Wow. Past performance is no guarantee of future results.

This one is destined to go to 10+ pages.
10 pages it is. Only took 8 days.
by minesweep
Sun Jul 23, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 880742

Re: What Movie Have You Recently Watched?

Dunkirk. Excellent movie.
by minesweep
Sat Jul 22, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4720

Re: How much electricity are you using and how expensive it is?

Like me you live in the deregulated retail energy supply market of PA. Have you tried shopping for a lower cost energy generation supplier? My current generation and transmission charge is .0675 kWh (until the end of my contract term). My (regulated) distribution charge with my local electric utilti...
by minesweep
Sun Jul 16, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 2017 RMD Timing
Replies: 33
Views: 2711

Re: 2017 RMD Timing

I don't disagree with most of the suggestions. However I keep in mind that if I die in December and haven't completed the RMD, it doesn't leave much time for heirs to take my RMD and it could get forgotten. So it may simplify things for heirs to have it done earlier in the year. I don't think it is...
by minesweep
Sat Jul 15, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6895

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by minesweep
Thu Jun 29, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Prevention Magazine
Replies: 3
Views: 617

Re: Prevention Magazine

How about Prevention, anyone staying with it since they raised prices, cut ads and streamlined stories? More changes could be coming if a sale of the parent company of Prevention magazine becomes a reality. Amid difficult economic headwinds that have roiled the publishing industry, Rodale Inc. is c...
by minesweep
Wed Jun 28, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: "Quincy Jones Streaming Music, Media & Entertainment ETF"
Replies: 13
Views: 1287

Re: "Quincy Jones Streaming Music, Media & Entertainment ETF"

This could be a music hit ETF. More then likely it will hit a sour note.
by minesweep
Sun Jun 25, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 6813

Re: International Stocks - New thoughts

I suppose I should have used the words:

In the grand scheme of investing........
by minesweep
Sun Jun 25, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 6813

Re: International Stocks - New thoughts

I have 20% of my stock portion in foreign. It’s a Goldilocks number for me. Not too hot (much) not too cold (little). It’s kind of a middle number in the debate that’s now going on. I figure in the grand scheme of things it can’t hurt me much one way or the other.
by minesweep
Tue Jun 20, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 22
Views: 3707

Re: Not reinvesting dividends

Do you invest in individual stocks? Funds only 92 43% Serious stock position 47 22% Small stock position 76 35% Total votes: 215 This from March 29,2015. In a later thread asking the same question (2016) with a larger sampling size, I saw 67% rather than the 57% you see here , just can't locate it....
by minesweep
Mon Jun 19, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 1560

Re: New Box Spring?

Note that most of what is sold today is NOT a "box spring" - it is a "Foundation". I am reminded of one road trip through SW Utah many years ago when I stayed at one of those motels that advertised rooms from $20 a night. I flopped down on the bed and was amazed that I didn't hear the normal creaks...
by minesweep
Mon Jun 19, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 1560

Re: New Box Spring?

My brother and his wife are still using the Serta mattress (the best one they made back then) when they got married nearly 55 years ago.
by minesweep
Sat Jun 17, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Are there any online checking accounts that have checks?
Replies: 40
Views: 5015

Re: Are there any online checking accounts that have checks?

I'm looking for something similar to ING checking that will allow my to pay with a hard check option as well. I would also be nice to get a little interest. I was going to say that I would like to combine my emergency account, but I thought I would get ripped for it. I know that conventional wisdom...
by minesweep
Sat Jun 17, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Are there any online checking accounts that have checks?
Replies: 40
Views: 5015

Re: Re:

ally.com. They give you free checks. Earn inters of 1.09%. You are allowed to write 6 checks/month from the account. Sorry to bump an old thread but anyone know if ally still offers free paper checks? Not mentioned on their website (that I could find). I still write about 5 paper checks per year an...
by minesweep
Tue Jun 13, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 15297

Re: Bogle sticks with U.S. Stock (article)

Comments from an earlier posting on the subject matter:

Bogle Doubles Down on US Index Funds
by minesweep
Tue Jun 13, 2017 5:22 am
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3643

Re: Got a parking ticket - what to do?

Disclaimer: This does not really address the question on what needs to be done because a) OP was not at fault b) the ticket does not have the correct licence plate information. Let me put on my Sherlock Holmes cap to deduce what might have happened. The parking attendant must have marked the car so...
by minesweep
Sun Jun 11, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2853

Re: Naming boat

More than a few more to add to the mix: Aquaholic Seas the Day Pier Pressure Favorite Mistake She Got the House Ship Happens Hydro Therapy Sea Esta Doctors’ Orders Feeling Nauti Moor Often Than Knot Aloan at Last Seanic Route Seacret Hide Aweigh Dock Holiday Unfathomable What’s Up Dock? Grounds for ...
by minesweep
Sat Jun 10, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2853

Re: Naming boat

Staying Above Water
It’s Only Money
Sea Ya
Cabin fever
Aquacadabra
Miss Behaven
Cast Away
Anchors Aweigh
Money Pit
Can’t Take it With You
Happy Ours
Sea Vu Play
Day Tripper
Keel Over
Voyager Class
Admiral Class
Accrewed Interest
by minesweep
Wed Jun 07, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: When a company spins off part of itself, do you keep the new company stock?
Replies: 17
Views: 1004

Re: When a company spins off part of itself, do you keep the new company stock?

Looking at my portfolio, I have a couple of surprise stocks in there. By surprise I mean companies that I have never bought. They were spinoffs from a larger company, and I now apparently own two companies instead of just one. Three examples: Conagra --> Conagra + Lamb Weston PPL --> PPL + Talen En...
by minesweep
Tue Jun 06, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Board Game!!
Replies: 31
Views: 2576

Re: Boglehead Board Game!!

Boglehead version of the Monopoly game: You land on States (Avenue excluded) and invest 15% of your money (that you collected as salary from going Pass Go ) in the Vanguard Total Stock Index Admiral Shares. You land on Oriental (Avenue excluded) and invest 2% of your money (that you collected as sal...
by minesweep
Sun Jun 04, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Adding beneficiaries to a non-retirement account
Replies: 14
Views: 1241

Re: Adding beneficiaries to a non-retirement account

I’ve made a change last year to my non-retirement account as one of my beneficiaries passed away. I had no problems making the change that you have described (no warning about seeking legal advice and “continue” button). I tried it now and I see the view/edit account link that is missing for you. Cl...
by minesweep
Fri Jun 02, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 4780

Re: New Milestone

Texanbybirth wrote:Awesome, congrats! :sharebeer

(It's nice to celebrate anonymously over the internet.)
It's like having a Fan Club.:D
by minesweep
Sun May 21, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Taxes on Series EE bonds issued in 1987
Replies: 13
Views: 1224

Re: Taxes on Series EE bonds issued in 1987

My late sister’s husband purchased a number of EE bonds ($500 & $1,000 denominations) back in the 1980's. The yield (according to Savings Bonds Wizard) was 5.16%. When they matured in 2015 & 2016 she paid taxes on $96,600 of interest.
by minesweep
Thu May 18, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14388

Re: For those with $500k-$1m in investments...

74% Taxable 26% Tax Advantaged (89% TIRA - 11% RIRA) TIRA portion is 100% bonds. RIRA is 100% in small cap value. Mixture of stocks and tax-exempt bonds in taxable. I took an early retirement package back in January of 2001. The company I worked for didn’t allow its employees to invest the IRA in st...
by minesweep
Wed May 17, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 7086

Re: Anyone use "MyPillow" pillows?

I never tried a My Pillow . But several years ago I purchased a memory foam pillow. I’m a side sleeper and after about one hour my ear was hurting. I returned it to Kohl’s and exchanged it for a memory fiber pillow and discovered that it was just what I needed. It was $20+ but with the 30% discount ...
by minesweep
Tue May 16, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 7441

Re: What Will Burst the Next Bubble?

I understand that, and I'm not asking anyone to predict when. My point is that with all the posts I read asking, "Where should I park my cash?" and "Should I wait to invest," it seems like people would have a specific, underlying issue to point to other than the fact that the ma...
by minesweep
Fri May 12, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 11150

Re: Did you buy SNAP?

It appears that the OP made a SNAP judgment.
by minesweep
Thu Apr 06, 2017 9:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31471

Re: Your USER NAME...what does it mean?

I served 18 months aboard a U.S.Navy minesweeper.
by minesweep
Tue Apr 04, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2883

Re: Medigap Plan F Increases

My plan goes through Tower Watson too. So I receive a healthcare reimbursement arrangement from my former employer as well. It's a fixed amount ($487.50 a quarter). Probably not; we (me/wife) get funded on an annual basis for a total of $5k/year. - Ron I removed my comment about possibly working at...