Search found 545 matches

by monkey_business
Fri Jul 21, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3418

Re: Investing well for Retirement can be frustrating

I often noticed the people who don't make much are more likely to want to show off. Maybe it's an insecurity about one's income which manifests itself via expensive, visible purchases. It's the small dog trying to bark the loudest sort of thing. It certainly happens at all income levels, but in my p...
by monkey_business
Wed Jul 19, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates in 3 years?
Replies: 26
Views: 2250

Re: Mortgage Rates in 3 years?

Not to throw cold water on your plans but I would be less concerned with interest rate fluctuations than I would be with buying a house with a girlfriend. It depends on what "girlfriend" really means. If girlfriend means a girl he's been dating for 3 months, then yes, big red flag, do not...
by monkey_business
Wed Jul 19, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2202

Re: How Much Would You Spend on a Blender?

We have a refurbished Vitamix that we got about 6 years ago for $350 or so. If it broke down, I would get another Vitamix, or a Blendtec. Here's the reason why it is worth it for us: - We add various vegetables to smoothies, as well as frozen chunks of fruit and juice. Cheap blenders I've used befor...
by monkey_business
Thu Jul 13, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1413

Security Alarm Pre-Wire in New Construction

We're in the process of building a house and would like some advice regarding the security system. The house comes with a security system. The system is landline based, and comes with entry door sensors and a motion sensor in the great room. The builder pays for the first year of monitoring. I am no...
by monkey_business
Mon Jun 26, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: "Heads I Win, Tails I Win -- A Gem
Replies: 12
Views: 2927

Re: "Heads I Win, Tails I Win -- A Gem

nedsaid wrote:The gems are the equivalent of Campbell's soup, condensed.


What?! Taylor's gems are the equivalent of condensed cheap canned soup?

More like grandma's soup. It's hearty, delicious, and puts a smile on your face. :D
by monkey_business
Fri Jun 09, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1726

Re: New Construction Buying Advice

Thank you everyone for the advice so far. Allow me to provide you with with some more details: - The new community is going to be relatively small, about 50 houses total. There is a community with almost identical floor plans, houses, and prices, several miles down the road. It started about 1.5 yea...
by monkey_business
Thu Jun 08, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1726

New Construction Buying Advice

We are looking into buying a house in a new community that is just starting to get built. For those of you that have experience buying new houses, what advice would you offer? I am especially interested in any mistakes you made that would be valuable to know about (in hopes that we can avoid making ...
by monkey_business
Thu Jun 08, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 2761

Re: Article: Compare ROI of college education vs S&P500

I think the answer to this question is: it depends. The pay between various majors and resulting careers can be vastly different. For example, is the ROI on college the same for an electrical engineering major, vs. a women's studies major? The cost of college can be vastly different, depending on th...
by monkey_business
Thu May 18, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Why 20% House Down Payment?
Replies: 14
Views: 1984

Re: Why 20% House Down Payment?

Thank you for the replies so far. I will respond to some of the questions: - The house appreciation/depreciation is not connected to your equity. In other words, the house will be worth what it will be worth, when you sell it, regardless of how much equity you have. Not sure what you mean. This is a...
by monkey_business
Thu May 18, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why 20% House Down Payment?
Replies: 14
Views: 1984

Why 20% House Down Payment?

The standard advice for a down payment on a mortgage is 20%+. In the context of financially responsible individuals, such as Bogleheads, why is this the recommendation? Allow me to explain the various points that are making me question this advice: - The money you have as principal in your house is ...
by monkey_business
Wed May 17, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 6166

Re: Convince me to get back into stocks!

The market is good right now - and you're afraid of jumping in. If and when the market becomes bad, then you'll jump in? What if you lose your job during the next recession/market drop? Will you be comfortable putting in all your savings into the crashing stock market? What if the market aggressivel...
by monkey_business
Wed May 17, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 19314

Re: Buying a luxury car (how dumb would it be to do this?)

If we had a tasteless paste that provided you with all the macro and micro nutrients your body needs, would you stop eating regular food and just eat the paste? I know the answer is supposed to be "of course not!" But in reality, I get almost all my protein from powdered soy protein. It i...
by monkey_business
Fri May 12, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 19314

Re: Buying a luxury car (how dumb would it be to do this?)

Back to hammers. A poorly functioning hammer would be dangerous and ineffective. A well functioning hammer is as good as hammers get. A car that gets me where I want to go safely and reliably has done everything useful a car can do. A Camry, for example, would be not only good enough. It would exac...
by monkey_business
Fri May 12, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 3340

Re: Does a new car purchase make sense?

One thing I would check is the IIHS safety ratings, especially the newer categories such as small overlap. Some cars have done surprisingly poorly, such as the 2014-2016 Corolla, which received a Marginal rating in that test. A lot of older cars (even just 5 years old) do really poorly on that test....
by monkey_business
Thu May 04, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: 2-3 days around Nice, France. Advice?
Replies: 9
Views: 769

Re: 2-3 days around Nice, France. Advice?

You could also take a day trip to Monaco - it's a short boat trip away.
by monkey_business
Thu May 04, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 19314

Re: Buying a luxury car (how dumb would it be to do this?)

To me a car is a tool for moving about. If it works safely and reliably, it makes no more sense to get a fancy one than to buy a hammer with a gold plated handle. Does it drive nails any better? No? Then don't waste money on it. That's not really a fair analogy. The reason why some people like cars...
by monkey_business
Thu May 04, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3198

Re: Consumer Reports

One thing I would point out regarding vehicle ratings in Consumer Reports is to pay attention to the specific categories that they grade to determine overall vehicle reliability. For example, last year, Consumer Reports rated the new Civic as unreliable. However, if you looked at the rating in depth...
by monkey_business
Fri Apr 28, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 13039

Re: Cost of car compared to Gross Income

I don't think the percentage matters. If you are living below your means and meeting your financial goals, why does it matter how much you spend on a car, or anything for that matter? If someone makes $50,000 a year and spent $30,000 on a car, is that too much? Well, if they are debt-free, save 30% ...
by monkey_business
Tue Apr 11, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 6234

Re: Best way to expand my vocabulary?

Something that has helped me is to always look up words I do not know when I am reading. If you have a Kindle, you can tap words and it will bring up the dictionary definition. For online reading, just type in "define <word>" in Google.
by monkey_business
Thu Feb 23, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 13170

Re: What are the big things to get right?

Number one big thing: your savings rate.

Get that taken care of and the rest will fall into place.
by monkey_business
Wed Jan 20, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 7951

Re: I have no more money to invest

If you hold no bonds, where do you get a big chunk of cash to buy more stocks during a severe downturn? Money market? Or any holdings other than stocks or bonds. I should have been more precise: If you only hold stocks , where do you... And, why would you have a big chunk of cash in a money market ...
by monkey_business
Wed Jan 20, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 7951

Re: I have no more money to invest

The Wizard wrote:
monkey_business wrote:If you hold no bonds, where do you get a big chunk of cash to buy more stocks during a severe downturn?

You don't.
You end up high and dry, like the OP is...


I guess that explains the car selling idea. Aren't bonds easier than riding a bicycle to work?
by monkey_business
Wed Jan 20, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 7951

Re: I have no more money to invest

If you hold no bonds, where do you get a big chunk of cash to buy more stocks during a severe downturn?
by monkey_business
Wed Jan 20, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 7951

Re: I have no more money to invest

What's the reason for being 100% in stocks, for those of you with that allocation? I'm close...not quite 100 because of my wife's 401k allocation in a target date (2040, even though we'll probably retire 2030ish) and my new 401k (1 year with this company) best option is LifeStrategy Growth. But eve...
by monkey_business
Wed Jan 20, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 7951

Re: I have no more money to invest

What's the reason for being 100% in stocks, for those of you with that allocation?
by monkey_business
Sat Feb 09, 2013 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Not having kids was the best financial decision I ever made
Replies: 16
Views: 2026

Re: Not having kids was the best financial decision I ever m

3CT_Paddler wrote:Choosing to have kids is not a financial decision... its a personal one.


It's not a financial decision if you have the finances...
by monkey_business
Tue Feb 05, 2013 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Reporting 1099-DIV For Foreign Funds
Replies: 7
Views: 830

Re: Reporting 1099-DIV For Foreign Funds

monkey_business , on Form 1116 line 1a I use the amount in Box 2 of the Foreign Tax Paid Reporting Information form, not the amount in Box 1a of the 1099-DIV. I also include an explanation for various line entries, 1a being one of them. At the bottom of the form it states: "Box 2 represents th...
by monkey_business
Sun Feb 03, 2013 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Reporting 1099-DIV For Foreign Funds
Replies: 7
Views: 830

Re: Reporting 1099-DIV For Foreign Funds

"Foreign Taxes Paid" is money going out. "Foreign income" is money coming in. edit - read OP too quickly. The FSI listed on the 1099 is what they are looking for. Sorry, what does "FSI" mean? If the fund is a near 100% international fund, foreign source income will be ...
by monkey_business
Sun Feb 03, 2013 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Reporting 1099-DIV For Foreign Funds
Replies: 7
Views: 830

Reporting 1099-DIV For Foreign Funds

I have received a 1099-DIV form from Vanguard for my taxable investments, which is currently Total International Admiral (converted to Admiral mid-year). I am trying to enter the dividend information into TurboTax, and want to make sure I am doing it right. TurboTax has imported the information from...
by monkey_business
Sun Nov 18, 2012 1:12 pm
Forum: Personal Consumer Issues
Topic: Advice for SSD drive replacement for a 2010 laptop
Replies: 20
Views: 1615

Re: Advice for SSD drive replacement for a 2010 laptop

I'm thinking of replacing a failed HD from a recent-gen 2010 Windows laptop with a SSD drive. It's an ACER computer, pretty standard in terms of specs for a $700 retail computer. Anything I need to know about the swap? Is it hard, or is it just a few screws and you're done? I also have to deal with...
by monkey_business
Sun Nov 18, 2012 1:06 pm
Forum: Personal Consumer Issues
Topic: [Microsoft Surface tablet for me?]
Replies: 10
Views: 2094

Re: [Microsoft Surface tablet for me?]

Remember that the Surface will soon be available in the "Pro" version. This version will be a bit thicker, more powerful, and will have full Windows 8 on it. The current Surface runs on Windows RT, which does not run regular Windows programs (Office comes pre-installed on it). So, if you w...
by monkey_business
Mon May 07, 2012 12:58 pm
Forum: Personal Consumer Issues
Topic: Car to Gross Income Ratio - under 35
Replies: 41
Views: 4637

Re: Car to Gross Income Ratio - under 35

Bought my car when I was 23, it was 36% of my income at the time.
by monkey_business
Sat Mar 24, 2012 7:09 pm
Forum: Personal Consumer Issues
Topic: Greek Yogurt: Worth the Money, Yay or Nay?
Replies: 58
Views: 5535

Re: Greek Yogurt: Worth the Money, Yay or Nay?

Why are people buying yogurt when it is so easy to make? Just have a little starter, heat the milk, cool, mix, and set aside. Wait. Yogurt. Is Greek yogurt more difficult than that? If it's just a matter of straining the yogurt you just made, then the answer to my own question is no. I boggle at th...
by monkey_business
Tue Mar 20, 2012 11:09 pm
Forum: Personal Consumer Issues
Topic: Greek Yogurt: Worth the Money, Yay or Nay?
Replies: 58
Views: 5535

Re: Greek Yogurt: Worth the Money, Yay or Nay?

1530jesup wrote:Fage(?) has too much fruit for my taste...


Have you tried plain Fage? I only get plain full fat Fage. It has a really thick and creamy texture - very tasty.
by monkey_business
Tue Mar 20, 2012 10:25 pm
Forum: Personal Consumer Issues
Topic: What are some profitable careers?
Replies: 140
Views: 11041

Re: What are some profitable careers?

If you discovered tomorrow that you were financially set for the rest of your life and never had to worry about making money again, what would you do to occupy yourself? Whatever your answer is, that's supposed to be your "passion". Making a financially sound future out of it may be a sep...
by monkey_business
Tue Mar 20, 2012 10:23 pm
Forum: Personal Consumer Issues
Topic: Greek Yogurt: Worth the Money, Yay or Nay?
Replies: 58
Views: 5535

Re: Greek Yogurt: Worth the Money, Yay or Nay?

I'll second the Total Fage Greek yogurt. I often add blueberries to it, and maybe a square of 85% dark chocolate, so good. The low fat thing annoys me too, there's like one store in town that sells full fat (Total) Fage. Costco, Trader Joe's, and all the regular grocery stores around here just sell ...
by monkey_business
Tue Mar 20, 2012 10:18 pm
Forum: Personal Consumer Issues
Topic: What are some profitable careers?
Replies: 140
Views: 11041

Re: What are some profitable careers?

If you discovered tomorrow that you were financially set for the rest of your life and never had to worry about making money again, what would you do to occupy yourself? Whatever your answer is, that's supposed to be your "passion". Making a financially sound future out of it may be a sep...
by monkey_business
Tue Mar 20, 2012 10:15 pm
Forum: Personal Consumer Issues
Topic: highest paying job
Replies: 46
Views: 8998

Re: highest paying job

A professional flatulist.
by monkey_business
Mon Mar 19, 2012 10:26 pm
Forum: Personal Consumer Issues
Topic: The new iPad
Replies: 107
Views: 10544

Re: The new iPad

I'm almost always multi-tasking, so I think a tablet-like device (iPad or otherwise) is not going to be something I need until it becomes just as easy and quick to type and do things as it is on a laptop. I would *probably* like reading articles on an iPad while on the toilet, but it's not worth th...
by monkey_business
Fri Feb 03, 2012 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Turning wealth into health
Replies: 101
Views: 9021

Re: Turning wealth into health

Be careful not to equate weight loss with good health. There are a lot of unhealthy thin people out there. Find out the recommended weight range for your body height and structure, and aim for that range. But do it through diet and exercise, not just diet alone. You don't have to become 'muscle bou...
by monkey_business
Fri Feb 03, 2012 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Turning wealth into health
Replies: 101
Views: 9021

Re: Turning wealth into health

I would strongly advice you not to go on a diet. Diets never work long-term. The thing you have to realize is that your body, as it is now, primarily is a reflection of your lifestyle. If you want to change it for good, guess what, you have to change your lifestyle. All diets are bad because once yo...
by monkey_business
Mon Jan 30, 2012 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Why do people think different when buying housing?
Replies: 89
Views: 5618

Re: Why do people think different when buying housing?

I spent as much as I could on my house because it was the place I most wanted to live. Is that really mysterious? "I spent as much as I could on my car because that is the car I most wanted to drive." "I spent as much as I could on my TV because that is the TV I most wanted to watch....
by monkey_business
Sat Jan 28, 2012 2:22 pm
Forum: Investing - Theory, News & General
Topic: I Bond Current Value
Replies: 1
Views: 425

I Bond Current Value

I purchased some I Bonds last May which at the time had a composite rate of 4.6%. I looked at the present value via Treasury Direct recently, and noticed that the interest was $96 on a $5,000 I Bond. If the rate was 4.6% for 6 months, shouldn't the interest be at least $115 (2.3% of $5,000, the inte...
by monkey_business
Sat Jan 21, 2012 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of your Gross Income for Housing & Auto?
Replies: 87
Views: 7949

Re: What Percentage of your Gross Income for Housing & Auto?

About ~24% of gross for home and auto expenses. The auto part includes the price of the car in cash amortized over 10 years.
by monkey_business
Thu Jan 19, 2012 12:24 pm
Forum: Personal Consumer Issues
Topic: Tithe 10% of Gross?
Replies: 102
Views: 7669

Re: Tithe 10% of Gross?

I agree with Rob on this one, there are way too many pro-religion, almost preaching, comments in this thread. What I do not understand is why people can not simply move on to the next thread if they do not enjoy a discussion. Everything does not have to be blown up into an issue. This thread is as ...
by monkey_business
Thu Jan 19, 2012 11:33 am
Forum: Personal Consumer Issues
Topic: Tithe 10% of Gross?
Replies: 102
Views: 7669

Re: Tithe 10% of Gross?

I have avoided commenting until now - Is religion now allowed as a topic and can I substitute my own delusion instead :confused Come on now, this is a very financially related topic. Think of it as personal finance/consumer spending. :) Problem is, if you have the same topic but its inverse (i.e. s...
by monkey_business
Thu Jan 12, 2012 11:43 am
Forum: Personal Consumer Issues
Topic: Which to buy? Costco wild blueberries OR rasberry/blueberry/
Replies: 10
Views: 2807

Re: Which to buy? Costco wild blueberries OR rasberry/bluebe

I found the three berry mix unpleasantly seedy. I was using them from frozen for smoothies, so maybe it was just my sub-par blender, but we did not finish the bag. It is indeed your blender. I am using the same mix and I get no seeds from the Vitamix :P. Has anyone tried the frozen cherries from Co...
by monkey_business
Tue Jan 10, 2012 2:48 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2012 BOGLEHEAD CONTEST
Replies: 408
Views: 19391

Re: REGISTRATION FOR 2012 BOGLEHEAD CONTEST

Adjusting my guess by a penny to: 1395.95 (was 1395.94) since 2 others have posted the same number.

Mods: Does this count as a second guess? It's basically the same, just adjusted minimally to not be tied with others.

If this is not okay, please remove :beer
by monkey_business
Thu Jan 05, 2012 3:14 pm
Forum: Personal Consumer Issues
Topic: Question for Smoothie Drinkers
Replies: 20
Views: 2122

Re: Question for Smoothie Drinkers

Anybody ever put broccoli or carrots in these smoothies? Would love to get the extra nutritional value that they provide as compared to mere leafy greens, but am curious if they would totally kill the flavor. I'm thinking something like banana, frozen strawberries, spinach, broccoli, carrot, water....

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