Search found 1582 matches

by mlebuf
Fri Feb 05, 2016 2:38 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6311

Re: What age did you retire

I retired from my day job as a university professor at age 47 after 20 years of service. However I took an unpaid leave in years 17 and 18. I had to teach in years 19 and 20 to draw an immediate pension and inexpensive health care for life. Otherwise, I would have left earlier. From ages 48-53, I fr...
by mlebuf
Fri Feb 05, 2016 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 71
Views: 3739

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Every year I keep a record of total spending on everything including taxes. Last year, Social Security and pensions were 46 percent of total spending. Neither of us has had a day job in over 20 years.
by mlebuf
Tue Feb 02, 2016 1:52 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 3999

Re: Charles Ellis' suggested portfolios by age

I see nothing wrong with Charles Ellis's advice for asset allocation. I'm almost 74 and have a 50-50 asset allocation. A late friend and mentor who wrote a number of personal finance books kept a 60 percent stocks, 40 percent bonds portfolio for life and left a sizable estate at age 91. When all is ...
by mlebuf
Sun Jan 31, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1606

Re: Buy a TV Warranty?

Several points: 1. In 2013 I learned that the price of Best Buy extended warranties can be negotiable. I agreed to purchase a 90 inch TV and the sales manager offered me a 5-year warranty for $500. I declined. Then, he said he really thought it was important for me to have a warranty and offered it ...
by mlebuf
Sun Jan 31, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 80
Views: 4144

Re: Public school or private school (with school data)

My kids attend public school. They are in grades 5 and 6. The school district is in a relatively affluent area. Spending per student and teacher pay at our district is among the top districts in the state. The district high school is in the top 3-4% in the state based on the US News/Newsweek best h...
by mlebuf
Fri Jan 29, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 7101

Re: Just not interested any more [in investing]

II guess the whole Boglehead goal is to spend less time worrying about investing etc...and more time living your life....I get that...I didn't expect to become so disinterested in everything finance / investing related. Is this a bad thing? Bad thing? No, it's a very good thing. It means that you h...
by mlebuf
Fri Jan 29, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Printer suggestions?
Replies: 24
Views: 1598

Re: Printer suggestions?

Last year I asked a very similar question on this forum. I was looking for recommendations for a all-in-one device. I got lots of good suggestions. Based on recommendations and reviews I bought an Epson Work Force WF-4630 and I am very happy with it. Got a great deal on it from Best Buy, something l...
by mlebuf
Mon Jan 25, 2016 10:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3590

Re: Happy Birthday Taylor!

Happy Birthday Taylor! About 15 or so years ago, I sent you an article I read online about someone in Miami who was 100 years of age and attributed their longevity to their doctor. I jokingly suggested that you look into seeing that doc. Did you take it seriously? :happy Wishing you a great journey ...
by mlebuf
Sun Jan 24, 2016 1:29 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3313

Re: What 55" TV to Buy

In slightly over 2 years we purchased 4 HDTVs: a 90" Sharp, a 32" Samsung, a 46" Sony and a 65" Samsung. All have great pictures. Other than size, it's hard to say if one has a better picture than the other. They all look great. However, when you buy the TV, I recommend doing the...
by mlebuf
Wed Jan 20, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Warm vacation in January.
Replies: 20
Views: 2263

Re: Warm vacation in January.

Maybe Hawaii is the right answer. I want to go somewhere that a two week trip is not too much. I think Belize, Aruba, PR are not those types of places. Each island in Hawaii offers something different. I have been to Oahu (Honolulu), Maui, Lanai, and Kauai. Honolulu is a metropolitan city with high...
by mlebuf
Wed Jan 20, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2665
Views: 527538

Re: U.S. stocks in freefall

The ants are prepared, bearing down, and staying the course. The grasshoppers are watching bubble vision, panicking and going to bonds/gold/cash....if they have any money in the market. If you think education is expensive, try ignorance.
by mlebuf
Sun Jan 10, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Warm vacation in January.
Replies: 20
Views: 2263

Re: Warm vacation in January.

Maui.
by mlebuf
Sun Jan 10, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 1870

Re: Resort in Scottsdale, AZ

Again, thanks for all the advice. The Hilton Scottsdale Resort and Villas seems like a good choice. Excellent choice, great location. If you like barbecued ribs, try the ribs at Houston's. Best I've ever had. The restaurant is on Scottsdale Rd. in Hilton Village. It's an easy walk south of the hotel.
by mlebuf
Sun Jan 10, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 1870

Re: Resort in Scottsdale, AZ

Double post deleted.
by mlebuf
Sun Jan 10, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 1870

Re: Resort in Scottsdale, AZ

Again, thanks for all the advice. The Hilton Scottsdale Resort and Villas seems like a good choice. Excellent choice, great location. If you like barbecued ribs, try the ribs at Houston's. Best I've ever had. The restaurant is on Scottsdale Rd. in Hilton Village. it's an easy walk south of the hotel.
by mlebuf
Sat Jan 09, 2016 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bad health news, rethinking everything
Replies: 40
Views: 7118

Re: Bad health news, rethinking everything

Hi bostondan, First, I am terribly sorry for your loss of such a great dad so early in life and your mom’s illness. Life never comes with a warranty. For better and for worse, we have to play the hand of cards life deals us. Your feeling overwhelmed is completely understandable. However, in almost e...
by mlebuf
Fri Jan 08, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 1870

Re: Resort in Scottsdale, AZ

I've stayed at the Fairmont and Phoenician. Actually preferred the Phoenician. Great rooms, locations, and amenities. Fairmont was a little too spread out for my tastes. Room was also a little oddly shaped. The Phoenician is spectacular but expensive as is the case with the Biltmore and the Hyatt a...
by mlebuf
Fri Jan 08, 2016 3:24 am
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 1870

Re: Resort in Scottsdale, AZ

Take a look at the Marriott Residence Inn Scottsdale Paradise
Valley. Great location and you can probably get in there for well under $300.
http://www.marriott.com/hotels/travel/p ... se-valley/
by mlebuf
Sun Jan 03, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance estimate inclusion in net worth?
Replies: 19
Views: 1916

Re: Inheritance estimate inclusion in net worth?

Never count your chickens before they hatch.
by mlebuf
Mon Dec 28, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1771

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

Something I enjoyed seeing as a young child was the Cherokee Indian Reservation in NC. It's in the Smokey Mountains so you can see both.
http://www.tripadvisor.com/Attraction_R ... olina.html
by mlebuf
Thu Dec 24, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: Probably A Dumb Question [Put tennis shoes in dryer?]
Replies: 35
Views: 2791

Re: Probably A Dumb Question [Put tennis shoes in dryer?]

Our dryer is over 20 years old. It came with a removable tennis shoe rack. I wash the shoes in the washer, put the rack in the dryer and have always dried them that way with no problems to the shoes or the dryer. I dry them on the low setting.
by mlebuf
Thu Dec 24, 2015 5:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 4817

Re: My Christmas Gift to You

Hi Taylor, It's a small world. On December 27, 1944 when you were in Bastogne, Elke was born in a German safe-house near Munich. At age 16 she immigrated to the US when her mother married an American Serviceman. Elke's mom credits Elke's survival to American servicemen who provided powdered milk for...
by mlebuf
Tue Dec 22, 2015 3:31 am
Forum: Personal Consumer Issues
Topic: Best noise cancelling headphones?
Replies: 47
Views: 3192

Re: Best noise cancelling headphones?

Bose over-the-ear noise cancelling headphones are what you want. I tried comparing them to several other makes a few years ago. Bose beat them all by a long shot. Bose is also the most expensive, but worth it. Great audio reproduction. When I get on a plane, I put on the Bose, plug them into my i-Ph...
by mlebuf
Sat Dec 19, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc - Take Social Security Benefits Early is Better?
Replies: 51
Views: 3786

Re: FIRECalc - Take Social Security Benefits Early is Better?

From a macro perspective, Social Security is actuarially neutral. In reality, no one will know what the best strategy is for a particular person until after he/she is dead or likely well past age 70. Obviously, if you reach age 62 in poor health and need the money, take it at 62. If you are in great...
by mlebuf
Thu Dec 17, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is a large mortgage a bad idea going into retirement?
Replies: 26
Views: 2074

Re: Is a large mortgage a bad idea going into retirement?

If a couple with a net worth of $3.5 million want to spend $1.9 million in a home, they can do it and have plenty of wealth left to invest. Are they taking a risk? Yes. Can they get a much higher return with a balanced portfolio of low cost mutual funds? They most likely will but nobody knows what ...
by mlebuf
Thu Dec 17, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is a large mortgage a bad idea going into retirement?
Replies: 26
Views: 2074

Re: Is a large mortgage a bad idea going into retirement?

Deciding to take on a big mortgage in retirement should be more of a lifestyle decision than an investment decision. mlebuf, 1) That statement makes sense if and only if the person has the cash flow to pay for the house. Aka, the person can afford the house. So far, the calculation had shown that O...
by mlebuf
Thu Dec 17, 2015 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Is a large mortgage a bad idea going into retirement?
Replies: 26
Views: 2074

Re: Is a large mortgage a bad idea going into retirement?

Deciding to take on a big mortgage in retirement should be more of a lifestyle decision than an investment decision. The question you need answer is, "Do I want a really nice retirement home that is worth almost half of our net worth?" As an investment, a home is a relatively poor choice. ...
by mlebuf
Mon Dec 07, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can a couple retire at age 53
Replies: 40
Views: 3892

Re: Can a couple retire at age 53

2. You may want to look into buying long-term care coverage while you are relatively young and the premiums are low. An accident or illness requiring long-term care for one of you could seriously damage the value of your portfolio. I'm not sure that would be necessary. It is anecdotal but often wha...
by mlebuf
Mon Dec 07, 2015 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Can a couple retire at age 53
Replies: 40
Views: 3892

Re: Can a couple retire at age 53

2. You may want to look into buying long-term care coverage while you are relatively young and the premiums are low. An accident or illness requiring long-term care for one of you could seriously damage the value of your portfolio. I'm not sure that would be necessary. It is anecdotal but often wha...
by mlebuf
Sun Dec 06, 2015 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can a couple retire at age 53
Replies: 40
Views: 3892

Re: Can a couple retire at age 53

Hi Smith303, Two things to consider: 1. What will your cost of healthcare insurance be? 2. You may want to look into buying long-term care coverage while you are relatively young and the premiums are low. An accident or illness requiring long-term care for one of you could seriously damage the value...
by mlebuf
Wed Nov 18, 2015 1:43 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig -- funny tweets on behavioral finance
Replies: 15
Views: 2129

Re: Jason Zweig -- funny tweets on behavioral finance

I'd like to buy and hold but the time isn't right. :D
by mlebuf
Sun Nov 15, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: we have a [feral or stray] cat - need help
Replies: 67
Views: 4274

Re: we have a [feral or stray] cat - need help

Update: someone has claimed the cat. Good for the cat, though I wish the owners would keep a closer eye on her. Sad for my daughter, who cried herself to sleep last night. God bless 8 year old girls and their emotions! Thanks for all the tips, perhaps there will be another cat in our future. or a d...
by mlebuf
Wed Nov 11, 2015 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Define Wealthy ..How to ?
Replies: 42
Views: 3751

Re: Define Wealthy ..How to ?

Rich people have a lot of money. Wealthy people have enough money and the time to enjoy it.
by mlebuf
Fri Nov 06, 2015 9:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Founder’s Son Tries To Beat the Market
Replies: 33
Views: 5494

Re: Vanguard Founder’s Son Tries To Beat the Market

This topic and discussion brings to mind two classic quotes: When I was a boy of fourteen, my father was so ignorant I could hardly stand to have the old man around. But when I got to be twenty-one, I was astonished at how much he had learned in seven years. - Mark Twain “It is difficult to get a ma...
by mlebuf
Sun Nov 01, 2015 2:41 am
Forum: Personal Consumer Issues
Topic: Low-cost and low-maintenance hobbies?
Replies: 69
Views: 6848

Re: Low-cost and low-maintenance hobbies?

Ham Radio, you can spend as much or as little as you like. You can join a club if want some eye to eye contact. Its a life time hobby, don't think a person could do every thing it has to offer in a life time + it changes all the time! The last 10 years I have been a VE (testing the new guys and gal...
by mlebuf
Fri Oct 30, 2015 9:56 pm
Forum: Investing - Theory, News & General
Topic: Invest in cattle futures?
Replies: 51
Views: 2963

Re: Invest in cattle futures?

Some do quite well investing cattle futures. I'm just sayin'.

http://www.washingtonpost.com/wp-srv/po ... 940527.htm
by mlebuf
Wed Oct 21, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 198
Views: 27723

Re: Any books really change your outlook on life?

HOW TO WIN FRIENDS AND INFLUENCE PEOPLE by Dale Carnegie Read it in high school. THE POWER OF POSTIVE THINKING by Norman Vincent Peale. Read it in college. THE MAGIC OF THINKING BIG by David J. Schwartz. PSCHOCYBERNETICS by Maxwell Maltz YOUR ERRONEOUS ZONES by Wayne Dyer WHEN ALL YOU’VE EVER WANTED...
by mlebuf
Sun Oct 04, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Where in the U.S. can I buy a house for under $250k that's a nice place to live?
Replies: 152
Views: 15904

Re: Where in the U.S. can I buy a house for under $250k that's a nice place to live?

Hi eethy, Like several others, I strongly agree on renting until you are reasonably sure you want to live in a certain place for at least 5 years. Why tie yourself down and risk taking a financial loss? You have received several excellent suggestions as possible places to live. From childhood to ret...
by mlebuf
Sun Sep 20, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: The Most Important Factor in a College Student’s Success
Replies: 27
Views: 3067

The Most Important Factor in a College Student’s Success

That's the title of a very interesting report in THE WALL STREET JOURNAL. It begins by telling us that only 59 percent of students who enter college have a bachelor's degree six years later. The article then goes on to report on research done on why students do or don't earn a degree. Some of the fi...
by mlebuf
Sun Sep 06, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 38
Views: 4222

Re: Can I sue my former employer?

Anybody can sue anybody for just about anything. The question you need to answer before suing a former employer is, "What message am I sending to prospective future employers?" In many companies, that may automatically disqualify you from being considered as a serious candidate.
by mlebuf
Tue Aug 25, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: "The Fight For Low Fees: John Bogle, Tony Robbins Team Up"
Replies: 14
Views: 1780

Re: "The Fight For Low Fees: John Bogle, Tony Robbins Team Up"

When I see Jack Bogle walking barefoot over hot coals, I'll believe he has teamed up with Tony Robbins.

https://www.youtube.com/watch?v=7_YD1mmJ8O4
by mlebuf
Thu Aug 20, 2015 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: BAM Alliance
Replies: 17
Views: 1515

Re: The Three Fund Portfolio

SpaNancy: For your information: The Three Fund Portfolio Investing does not need to be complicated. Best wishes. Taylor Well said, Taylor. Whether an investor pays 1 percent, .3 percent or whatever percent in fees, it's important to remember Jack Bogle's reminder that when it comes to investing,we ...
by mlebuf
Fri Aug 14, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 53
Views: 6083

Re: I need a classic men's black dress belt

+1 for Mission Belts - In previous belts I owned, one hole was sometimes too tight and the next one was too loose. Mission belts solves that problem. http://missionbelt.com Any recommendations on a specific mission belt for a dressy look? I was looking at the Vader or the Steel. http://missionbelt....
by mlebuf
Fri Aug 14, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 53
Views: 6083

Re: I need a classic men's black dress belt

Raladic wrote:Look at Mission Belt.

It doesn't have wholes in the buckle and is made of some great leather.


+1 for Mission Belts - In previous belts I owned, one hole was sometimes too tight and the next one was too loose. Mission belts solves that problem.

http://missionbelt.com
by mlebuf
Tue Aug 11, 2015 7:49 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 103
Views: 13107

Re: Why not add a "like" button to Boglehead posts?

"Being popular on Facebook is like sitting at the cool table in the cafeteria of a mental hospital."
- Anonymous
by mlebuf
Mon Aug 10, 2015 8:06 pm
Forum: Investing - Theory, News & General
Topic: Buffett: Stocks Will Be Much Higher
Replies: 25
Views: 5221

Re: Buffett: Stocks Will Be Much Higher

What's most important is to realize that nobody knows the future and be prepared for the market to go up and down, because that's what it's going to do. It's not what we don't know that hurts us. It's what we think we know that isn't so.
by mlebuf
Sat Aug 08, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 6495

Re: Former Housemate Owes Money - What to do?

There's an old saying from the race track: When a man with money meets a man with experience, the man with the money gets the experience and the man with experience gets the money. As a very bright 13 year-old once told me, "When you lose, don't lose the lesson." Lesson: The next time anyo...
by mlebuf
Fri Aug 07, 2015 8:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 8322

Re: Congrats to Laura Dogu

Congratulations indeed, Laura! Also, congratulations on being multilingual. You speak Spanish and Boglehead. :sharebeer

Go to advanced search