Bogleheads.org

Dinosaur? If my arms weren't so short I'd swat you!

The Greater Fool Theory is great until the music stops.

Absolutely. Never saw the value in paying someone to tend my yard while also paying money to go to a gym to work out! We downsized this year so it takes less time than ever.

I do pay for chemical lawn treatments. Don't want to store and use the chemicals and equipment, and don't know what/when/etc.

DW just replaced an iPhone 6S with an iPhone 12 mini and is very happy. Your view on battery life might depend on where you are coming from. 12 mini has far better battery life than 6S. The optional 20W charging block charges the battery very fast - I think the stated rate is 50% in 30 minutes. Ever...

inverter wrote: ↑Fri Nov 06, 2020 7:30 pm Live in New York City and got 400 mbps down on my iPhone 12 at ice cream last night!

Other than SpeedTest, what did you do with that 400 mbps?

You may see current products reference UL217 today but the new requirement to look for is UL217 8th Edition. Kidde has data sheets and user manuals dated Aug 2020 for products, apparently not yet for sale, that reference UL217 8th Edition that I randomly found searching for info on their TrueSense p...

Peakey Blinders
Fauda
Schitts Creek

While we have simplified to one joint checking in retirement, for many years we had 2 joint accounts - one hers, the other mine - at the suggestion of an Episcopal priest’s pre-marriage counseling. That gave each spouse flexibility and some independence. We divided household bills based on the diffe...

61, retired, no debt.

50% equities (70% domestic/30% intl)
45% bonds (70% domestic/30% intl)
5% money market

Look forward to being there.

I've never lived in Columbia but have spent a whole lot of time there on business since the mid 90s until a couple of years ago. I find Columbia to be a very comfortable city. It is the state capitol, home to a large university (USC) and other colleges, and is home to the US Army basic training at F...

Had monovision contacts for years which really worked well for me. When replacing cataracts in both eyes over a couple of years the Doctor "installed" monovision lenses - as it so happened distance first, then close. Nice not having to mess with contacts every day. Don't use reading glasse...

International stock should go in a taxable account to not "forfeit" the tax credit for foreign tax paid. See the same link above.

I use credit and debit card info within Apple Pay whenever possible, but still carry wallet as before for those places that don't yet support it. Have not applied for an Apple credit card and probably won't at this point. Using Apple Pay with a debit card results in the transaction being posted much...

100% equities provides nothing with which to rebalance in case of a market correction. 90/10% can over time provide a better return than 100%. Waiting for or expecting an inheritance can be corrosive to your soul. Go live your life and chart your own path. You have already inherited much from your p...

Our AA goal is 55% equities (65% US/35% ex-US), 40% fixed income (70% US/30% ex-US) and 5% short term reserves. Reading this thread caused me to question whether we are truly comparing apples to apples when comparing the returns of US and ex-US funds. The ex-US funds, say VTIAX Total Intl Stock Mkt ...

Charleston is an extremely nice place to visit. However, I would worry as a resident about tidal floods ("sunny day flooding") and storms in general. A neat website that projects flood risk (now for VA to FL) is floodiq.com. Good luck in your decision.

65% US / 35% ex-US

Keep in mind that temperatures in both Minnesota and South Dakota are 68 degrees year round - IF you just don't go outside.

Do not use TSM because of a couple individual stocks with high capital gains. However, I aim to match the allocation in Vanguard's Portfolio Watch Stock Analysis section which shows the current domestic equity market is 74% large cap, 19% mid cap, and 7% small cap. Assume TSM is more or less at this...

To the question of whether CA munis are safer than national - this depends on whether you think that once the "big one" hits and CA is geographically split from the mainland whether it is CA or the mainland that will sink. (Sorry!)

If you don't want to start over and install a clean copy of Windows consider getting Norton Utilities, or a similar program, to tune up the Old Laptop.

Prepping my letter to my current FA to part ways, and need to set up accounts to transfer assets to. I have accounts w/ Schwab and love their site and customer service, but have read great things about Fidelity here as well. Just taking the temp here to see if people put all their eggs in one baske...

I aspire to a simple Four Fund Portfolio. At age 59 my AA today is 55% equities (65% domestic, 35% international), 40% bonds (70% domestic, 30% international), and 5% money markets. I say aspire because instead of only Total Stock Market for domestic equities I use a mixture of 500 Index, Mid Cap In...

Talk a friend who is a member into buying wine on your behalf. Otherwise, you can't even get in the warehouse. Try a one year membership - it really is not that expensive.

Just today we traded DW's 2005 Lexus ES330 with only 109k miles for a L-Certified 2014 ES300h with 33k miles. Twelve years and no problems whatsoever, but it was time for tires, alignment, front and rear brakes, new powering steering fluid, etc. , and a major 120k service in the next year or so. It ...

Our son is in medical school at a prestigious private institution after a full undergrad academic scholarship at an in-state public university. We didn't pay a dime for his undergrad. Our approach has been for him to apply for Perkins and institutional loans that don't start accruing interest and be...

On the way from 70/30 to 60/40 - currently at 65/35. 70/30 US/Intl for the Equity and Bond portion. Within the US Equity I use Vanguard Portfolio Watch/Stock Analysis as a guide for Large, Mid, and Small allocation. (Don't use Total Stock Market or Total International Stock Market because still have...

Our church uses ACS - http://www.acstechnologies.com/products/acs

Domestic bonds are 24% of our total invested portfolio, and international bonds are 10% of the total. A comparison of total return from Vanguard's website today is below. Neither are setting the world on fire. Total International Bond was created in May 2013 so there is no 5 year performance number ...

Majority of portfolio is in Vanguard index funds but we hold individual stocks for 2 reasons - 1. Stocks that have large capital gains and now pay large dividends relative to initial purchase 10-20 years ago (ORCL, RY, XOM, O); and 2. Micro-cap stocks utilizing AAII Shadow Stock strategies in a &quo...

Long time lurker, first time poster. We paid cash for our current house 16 years ago and never looked back. There is great comfort in knowing that the house is paid for. However, here is a twist for those that feel they are potentially losing market gains. Treat the amount that you pay down on a hou...

We became debt free in our early 40s (now 55). We never carried any credit card balance. Paying off the mortgage and auto loans saves money, provides peace of mind, reduces stress and pressure if there is a job loss, and provides monthly cash flow that can be used for investment or whatever. The amo...