Search found 1286 matches

by scone
Sat Feb 06, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 129
Views: 14148

Re: QSPIX Nightmare - Closed Off to Retail Investors

Why don't you guys ask Larry what's going on? :confused
by scone
Tue Feb 02, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Refi vs. Construction loan
Replies: 3
Views: 376

Re: Refi vs. Construction loan

It's hard to say what would be the best loan choice, as it varies so much. Just get some quotes, and get the cheapest overall. IIWY I'd build the small house first, move in temporarily (while storing most of your stuff in the bigger house), and then work on the bigger house. This gives you a clean a...
by scone
Mon Feb 01, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 7116

Re: Just not interested any more [in investing]

I still read the business news every day, but with much more detachment. Everyone seems to be talking their book, and the standard memes don't move me anymore. I have seen this movie before. Even the Bogleheads have their standard memes and never-ending arguments. Many of the frequent posters pretty...
by scone
Tue Jan 26, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 4632

Re: Dinner Ideas

Look in your refrigerator and cabinets, type the names of the ingredients into google search, get recipes, make food, eat. :D
by scone
Tue Jan 26, 2016 4:09 pm
Forum: Investing - Theory, News & General
Topic: Global Post article
Replies: 8
Views: 498

Re: Global Post article

If you look around, you will find dozens of bearish filler pieces, and dozens of bullish ones. Everyone is looking at the same numbers, but some people get paid to sensationalize. In any case, Salon jumped the shark some time ago. If you really want to keep up with the financial news, look at Bloomb...
by scone
Mon Jan 25, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 5894

Re: Did the bears eat my retirement? - Sequence of Returns Risk

You have got to live within your means. Maybe you can let the kids pay for college-- believe me, as someone who worked her way through, it will not kill them. Maybe you will also have to dial down your expenses. That's not as hard as it sounds, either. You can live pretty comfortably on 40 - 50k per...
by scone
Sun Jan 24, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9095

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

If she doesn't have the grit to stand up to you and her father, she's not ready for marriage and children.
by scone
Sun Jan 24, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13726

Re: The Big Short

The SEC isn't exactly portrayed as a bastion of rectitude. Remember the scene where the SEC chick is kissing up (*ahem!*) to the Goldman Sachs dude, in hopes of getting a lucrative job? Revolving door. Regulatory capture. :greedy
by scone
Fri Jan 22, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: How to get customers for a cleaning service?
Replies: 15
Views: 1178

Re: How to get customers for a cleaning service?

Speaking as a potential customer, I would take a look. However, one has to think about security. In my state, IIRC, there's no licensing requirement, no bonding or insurance required for housecleaners. Even if there is a bond, there's no way for me to easily determine whether the bond has been calle...
by scone
Thu Jan 21, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2665
Views: 527892

Re: U.S. stocks in freefall

It's the ripple effect from the oil patch that could cause problems. Job loss, real estate downturn, small business failures, pullback from investment. The China issue is more complicated; our exports to China might not be huge, but if China implodes, that effects Europe. The big issue everywhere IM...
by scone
Thu Jan 21, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 82
Views: 6519

Re: What was your biggest unexpected home expense?

Not exactly unexpected, but still. Our last house was a money pit, as I warned my husband it would be, but we bought it because of location and lack of better choices. Mostly older housing stock here, and the builders were not putting up new because of the crash. The house had a lot of hidden dry ro...
by scone
Wed Jan 20, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Water softener: Care and maintenance
Replies: 8
Views: 713

Re: Water softener: Care and maintenance

We have miserable water. It's actually thick and sludgy with red rust and iron eating bacteria. We have a filter hanging on the line, then the water softener, which we load up with salt and Iron Out. The machine is being gradually overwhelmed by the iron, so we have "breakouts" where the w...
by scone
Wed Jan 20, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 6988

Re: Capitulation!

I don't know about capitulation, I have no idea where the bottom will be. But I feel better about buying stocks at lower prices this year, than I did buying last year, at higher prices.
by scone
Wed Jan 20, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 401K in this downturn?
Replies: 11
Views: 1158

Re: 401K in this downturn?

Yep, stick to the plan. Stay frosty out there. :sharebeer
by scone
Wed Jan 20, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2665
Views: 527892

Re: U.S. stocks in freefall

Hold on tight for the ride, Yee- Hah! :D

Major Kong Rides the Bomb, from Dr. Strangelove https://www.youtube.com/watch?v=wcW_Ygs6hm0

"Express Elevator to Hell," from Aliens https://www.youtube.com/watch?v=uDLQg8ZKBS8
by scone
Fri Jan 15, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7527

Re: I'm sitting here watching FOX Business...14200??

I realized the other day that we have something like 15 years of withdrawls in cash and short duration bonds, at the current rate of inflation. We should be able to save about three more years worth this year. Add in the intermediate bonds, and we may never have to touch the stock allocation at all....
by scone
Fri Jan 15, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: My list of sure things for 2016
Replies: 8
Views: 1059

Re: My list of sure things for 2016

Thank you, Larry! Sounds like the Sure Things List reflects current worries and concerns-- it measures the height of the Wall of Worry, as it were.
by scone
Fri Jan 15, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: My list of sure things for 2016
Replies: 8
Views: 1059

Re: My list of sure things for 2016

Thanks, Larry! I wonder how you pick the "sure things," there must be so many contenders. Can I ask, what's your process?
by scone
Thu Jan 14, 2016 11:17 am
Forum: Investing - Theory, News & General
Topic: staying calm in the face of a storm
Replies: 31
Views: 4740

Re: staying calm in the face of a storm

The biweekly 401k contribution will go in today, all of which will go to buy my stock funds. I also dumped a good portion of the paycheck into savings. Done for today, time for a nap. :D
by scone
Mon Jan 11, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Town house or house upgrade?
Replies: 7
Views: 791

Re: Upgrading to new town house or old house?

The old house costs a lot more money up front, and will also cost a lot of money and time to renovate. Do you want to spend all your weekends at Home Depot? Unless you are really into doing that type of work, and planning to stay in the home for a very long time, buy the townhouse. You can then save...
by scone
Mon Jan 11, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Heavy Lifting Job: $60/hr nights or $75/hr weekends?
Replies: 34
Views: 3781

Re: Heavy Lifting Job: $60/hr nights or $75/hr weekends?

I would take the weekend job for several reasons: 1. The time off gives your muscles, bones, ligaments, and tendons good recovery. Heavy lifting every day could increase the risk of injury. working on the weekends, you might even be able to gain muscle, which gets harder as you get older. 2. Several...
by scone
Mon Jan 11, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: First Time Buying Furniture
Replies: 30
Views: 2544

Re: First Time Buying Furniture

Don't buy IKEA, and don't buy off CL. IKEA is garbage, and CL takes a lot of time. Google "consignment furniture" in your area and buy decent furniture at a decent price. Sofa, a couple of arm chairs, coffee table, dining table, dining chairs, bed frame with headboard, TV stand. You can ge...
by scone
Fri Jan 08, 2016 4:20 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12918

Re: worst first four opening days in HISTORY for S&P 500

My stock allocation is down, so I will be buying, with new money, in the 401k. Set up so it's automatic. Still saving 50% of income-- after tax dollars are going to cash. I have to say, having a big stash of cash and bonds makes it easier to ignore Mr. Market's hissy fits. 8-)
by scone
Fri Jan 08, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11482

Re: Tough Frugal Decisions

When I was very young, I worked my way through college, housing and feeding myself. This was the 70s. I remember one student squat where the landlord had led the plumbing waste pipes to the basement, and simply dug a hole in the dirt floor to catch the droppings. You can imagine the smell. I lived i...
by scone
Thu Jan 07, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 9766

Re: [Market] Correction...Corection...Correction

(In a Broadway chorus voice) Stay the course, stay the course You should always stay the course Though the markets may be giving you a pain! Stay the course, stay the course It could always get much worse And your savings may be going down the drain! Stay the course, stay the course Don't look hard ...
by scone
Mon Jan 04, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: Thanks China!
Replies: 40
Views: 5258

Re: Thanks China!

^It's the Underwear Gnomes Theory of Finance! Still, there's money to be made, when the wheel of fortune turns again, so I'm staying the course. Happy New Year!
by scone
Fri Jan 01, 2016 5:55 pm
Forum: Forum Issues and Administration
Topic: Jan 1,2016 outage?
Replies: 17
Views: 1876

Re: Jan 1,2016 outage?

Thanks! I know the Bogleheads Unite forum on Mstar, wasn't that once the Diehards? But I thought the servers were owned by Alex personally. I imagine this has evolved from some simple setup to today. Has someone written a memory alpha-type page for the wiki?
by scone
Fri Jan 01, 2016 5:38 pm
Forum: Forum Issues and Administration
Topic: Jan 1,2016 outage?
Replies: 17
Views: 1876

Re: Jan 1,2016 outage?

^Eh? I thought Bogleheads was on its own, separate from the Mstar forum?
by scone
Fri Jan 01, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6334

Re: How did your retirement Portfolio do in 2015?

Just barely ITB, as shipmate cfs says. FIBAX, intermediate Treasuries, sqeaked out a small gain. Also the Russell 2500 collective investment trust, if I'm reading this right. VIIIX (the S & P) pretty flattish. I did some rebalancing and simplifying in August, which probably diworsifed this beast...
by scone
Thu Dec 31, 2015 9:03 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 110657

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

I got a whole lotta nuthin'. Maybe just a smidge up, but you'd need a high powered microscope to see it. Still staying the course, saving like a crazed squirrel, yada yada yada. :D
by scone
Sun Dec 27, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7049

Re: A little about Larry S

^Me too. Thank you, Larry. We can't pay it back, but we can, as they say, pay it forward. Happy New Year, everyone. :D
by scone
Wed Dec 16, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: when will cd rates go up
Replies: 17
Views: 2489

Re: when will cd rates go up

OTOH, it makes a great excuse to raise mortgage rates! :oops:
by scone
Wed Dec 16, 2015 3:13 pm
Forum: Investing - Theory, News & General
Topic: Fed raises FFR [Federal Funds Rate] 0.25% as expected
Replies: 60
Views: 5457

Re: Fed raises FFR 0.25% as expected

Emerging markets are up, oddly enough. Maybe some players were expecting a bigger jump.
by scone
Thu Dec 10, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Total Markets, Coffeehouse or Values and Treasuries?
Replies: 20
Views: 1647

Re: Total Markets, Coffeehouse or Values and Treasuries?

^ Yep, what livesoft said. Mix the two together, as long as you can get the funds cheaply. You can also mix Total Bond and Treasury, that's what I do. Intermediate Treasuries, or a mix of short term and intermediate Treasuries, is favored by many Bogleheads because it's a sweet spot, balancing the h...
by scone
Sat Nov 28, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Following the Bogleherd … scary!
Replies: 37
Views: 3806

Re: Following the Bogleherd … scary!

Groups can be dangerous, no matter how well intentioned. Groups on the internet can be dangerous in interesting new ways. Shirky wrote a semi-famous essay on this some time ago:

http://www.shirky.com/writings/herecome ... enemy.html
by scone
Wed Nov 25, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Bath tub - Replace - Written quote - $2,500+
Replies: 16
Views: 1177

Re: Bath tub - Replace - Written quote - $2,500+

BTW, I seriously doubt it ends up as a "one day" job. That only seems to happen on HGTV. :D Demoing a tub and putting the new one in without fixing the walls should be a day job for most contractors assuming no mold or rot. Maybe it should be, but it hardly ever is. You have to budget for...
by scone
Wed Nov 25, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: skylight condensation in bathroom - how to deal
Replies: 14
Views: 967

Re: skylight condensation in bathroom - how to deal

There is no easy, cheap fix. Make sure the existing fan works, and keep the door open (or cut the door back at the bottom) so dry air can get in to replace the humid air being drawn out. Check everything for mold, e.g., inside the cabinets, the sink pipes, the undersides of the drawers, etc. Get up ...
by scone
Wed Nov 25, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: Bath tub - Replace - Written quote - $2,500+
Replies: 16
Views: 1177

Re: Bath tub - Replace - Written quote - $2,500+

If this is a HCOL area, that's an o.k. quote, especially if there is a tile surround that has to be demo'ed and hauled. The floor and cabinets could also get screwed up in the process. The drywall may be shot, it may not be damp rated. If it's a clawfoot tub, not connected to the walls, that's much ...
by scone
Mon Nov 23, 2015 7:23 am
Forum: Personal Consumer Issues
Topic: Keeping water away from your house (curtain drain)
Replies: 4
Views: 882

Re: Keeping water away from your house (curtain drain)

Yes, I've lived in homes with curtain drains/French drains, they are very simple and common. If you play golf, you may have seen them on the course. The "trench" is usually very narrow, often so narrow it's done with a Ditch Witch rather than bigger equipment. For that matter, if the probl...
by scone
Fri Nov 20, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Really Need Your Portfolio Expertise
Replies: 24
Views: 2896

Re: Really Need Your Portfolio Expertise

You don't have to do everything at once. IIWY I'd make a "first pass" cleanup by selling the small individual stock positions. Just doing that simplifies the portfolio considerably. Then I'd sell the mutual funds and ETFs that have high expense ratios-- anything over, say 0.5% could be a c...
by scone
Fri Nov 20, 2015 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Need to overcome our frugal habits and splurge a little in retirement
Replies: 63
Views: 7140

Re: Need to overcome our frugal habits and splurge a little in retirement

Upgrade your house and it's contents with useful stuff, and buy local if possible. For example, if you've been super-frugal, the house may need to be painted, maybe some new flooring (especially in the kitchen), or appliances. A generator is very nice indeed. Maybe skylights or a sunroom. Some new f...
by scone
Wed Nov 18, 2015 12:34 pm
Forum: Investing - Theory, News & General
Topic: Emergency Portfolio with 30% Stocks
Replies: 53
Views: 4905

Re: Emergency Portfolio with 30% Stocks

I don't think in terms of "emergency fund" anymore. I see all our liquid assets as a whole, but some is "shorter term" and some is "longer term." The cash in the checking account is the shortest, then comes the savings account, then the 401k, then the HSA and two Roths....
by scone
Fri Nov 13, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6827

Re: Total Bond Market - are you experiences losses currently?

[Moved into a stand-alone thread from: The Three Fund Portfolio , see below. --admin LadyGeek] To those of you in Total Bond Market, Are you experiencing losses currently? Yep, ya, you betcha. :D OTOH, most of the asset classes I know about have been performing poorly lately, or outright losses. Th...
by scone
Mon Nov 09, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Buying a Log Home
Replies: 25
Views: 2543

Re: Buying a Log Home

I lived in a log house as a child, and would never buy one. Cleaning it, e.g., dusting, took huge amounts of time. The dark color absorbed a lot of light, so it was gloomy. The acoustics were very "dead," if that makes sense. The windows were small, so the connection to the outside world w...
by scone
Mon Nov 09, 2015 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3538

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

In the real world everyone who has paid in via the rules gets Social Security. It's unlikely that the Supreme Court is going to rule that a 62 year old upper middle class grandma, who worked for 40 years and was more or less a pillar of society, can't have her $1000 per month Soc Sec check. My husb...
by scone
Mon Nov 09, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3538

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

^^ Leesbro, you don't have to explain the math, I get it, I do. What I'm saying is that the ultimate purpose of the money is to maximize happiness, comfort, emotional security, whatever you want to call it. The purpose of money is not to get more money. Consider this. Let's say you wanted to maximiz...
by scone
Mon Nov 09, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3538

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

"I'm the OP and I'm just not buying this. The 61 year old woman is not a 5 year old child. And it does boil down to simple math. She can spend down a bit of savings now and not defer any gratification. And for that price she'll get a longevity annuity that will allow even more spending later. T...
by scone
Mon Nov 09, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3538

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

From the OP: "They are an affluent couple. She wants "mad money". I am estimating that her benefit is about $1000, but there will be income tax and she'll lose some benefit for earning more than $15,000ish or whatever the number is." So let's assume this couple has enough to reti...
by scone
Sun Nov 08, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3538

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

I don't think she's stupid. 1. If she spends down the cash, she loses the optionality of that cash-- and that option has a value. I'm not sure how you would calculate that value, but I know from experience that "stuff happens" both good and bad, and it's great to have a very healthy wad of...

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