Dinosaur? If my arms weren't so short I'd swat you!
The Greater Fool Theory is great until the music stops.
Search found 32 matches
- Sun Jan 03, 2021 7:30 pm
- Forum: Investing - Theory, News & General
- Topic: Are Bogleheads dinosaurs when it comes to Bitcoin?
- Replies: 270
- Views: 11289
- Sun Jan 03, 2021 6:55 pm
- Forum: Personal Consumer Issues
- Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
- Replies: 319
- Views: 23532
Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
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.
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.
- Mon Nov 23, 2020 3:05 pm
- Forum: Personal Consumer Issues
- Topic: Who bought an iPhone 12 Mini, and what do you think?
- Replies: 47
- Views: 5542
Re: Who bought an iPhone 12 Mini, and what do you think?
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...
- Fri Nov 06, 2020 9:49 pm
- Forum: Personal Consumer Issues
- Topic: how good is your 5G coverage?
- Replies: 69
- Views: 3722
- Mon Oct 19, 2020 2:52 pm
- Forum: Personal Consumer Issues
- Topic: Smoke/CO detectors with strobe lights
- Replies: 12
- Views: 464
Re: Smoke/CO detectors with strobe lights
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...
- Sat Oct 10, 2020 3:01 pm
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 2522
- Views: 256156
Re: [What TV Show Have You Recently Watched?]
Peakey Blinders
Fauda
Schitts Creek
Fauda
Schitts Creek
- Sun Sep 06, 2020 9:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can anyone suggest a joint checking account?
- Replies: 58
- Views: 2950
Re: Can anyone suggest a joint checking account?
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...
- Wed Sep 02, 2020 5:55 pm
- Forum: Investing - Theory, News & General
- Topic: What is your age and asset allocation ?
- Replies: 356
- Views: 29610
Re: What is your age and asset allocation ?
61, retired, no debt.
50% equities (70% domestic/30% intl)
45% bonds (70% domestic/30% intl)
5% money market
50% equities (70% domestic/30% intl)
45% bonds (70% domestic/30% intl)
5% money market
- Fri Dec 13, 2019 1:01 pm
- Forum: US Chapters
- Topic: RTP, NC Chapter Meeting 9:30 AM Sat December 14, 2019
- Replies: 6
- Views: 1449
Re: RTP, NC Chapter Meeting 9:30 AM Sat December 14, 2019
Look forward to being there.
- Tue Dec 03, 2019 10:23 pm
- Forum: Personal Consumer Issues
- Topic: How is Columbia SC, for living ? transition to semi retirement ?
- Replies: 26
- Views: 3205
Re: How is Columbia SC, for living ? transition to semi retirement ?
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...
- Tue Dec 03, 2019 9:52 pm
- Forum: Personal Consumer Issues
- Topic: Monovision contacts?
- Replies: 23
- Views: 1639
Re: Monovision contacts?
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...
- Sun Nov 24, 2019 9:23 pm
- Forum: Personal Investments
- Topic: Asset Placement of Vanguard International Growth (VWIGX/VWILX
- Replies: 3
- Views: 769
Re: Asset Placement of Vanguard International Growth (VWIGX/VWILX
International stock should go in a taxable account to not "forfeit" the tax credit for foreign tax paid. See the same link above.
- Thu Oct 31, 2019 8:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Apple Pay. Does anyone use it?
- Replies: 196
- Views: 14490
Re: Apple Pay. Does anyone use it?
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...
- Tue Aug 13, 2019 10:05 am
- Forum: Personal Investments
- Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
- Replies: 97
- Views: 8291
Re: Can having wealthy parents be a justification for a more aggressive investment strategy?
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...
- Sun Jul 28, 2019 5:14 pm
- Forum: Investing - Theory, News & General
- Topic: Why Mr. Bogle prefers U.S stocks
- Replies: 241
- Views: 21141
Re: Why Mr. Bogle prefers U.S stocks
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 ...
- Fri May 24, 2019 4:13 pm
- Forum: Personal Consumer Issues
- Topic: Relocate to Charleston SC?
- Replies: 57
- Views: 6460
Re: Relocate to Charleston SC?
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.
- Mon May 13, 2019 12:21 pm
- Forum: Investing - Theory, News & General
- Topic: What is your U.S./ex-U.S. stock allocation?
- Replies: 210
- Views: 14552
Re: What is your U.S./ex-U.S. stock allocation?
65% US / 35% ex-US
- Tue Apr 02, 2019 1:02 pm
- Forum: Personal Consumer Issues
- Topic: "The best and worst U.S. states for retirement"
- Replies: 303
- Views: 38514
Re: "The best and worst U.S. states for retirement"
Keep in mind that temperatures in both Minnesota and South Dakota are 68 degrees year round - IF you just don't go outside.
- Tue Apr 02, 2019 12:51 pm
- Forum: Personal Investments
- Topic: Large Cap/Small Cap allocation split
- Replies: 13
- Views: 1755
Re: Large Cap/Small Cap allocation split
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...
- Fri Mar 22, 2019 9:22 am
- Forum: Personal Investments
- Topic: Muni bond fund in taxable account: state (CA) or national
- Replies: 24
- Views: 2131
Re: Muni bond fund in taxable account: state (CA) or national
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!)
- Fri Mar 22, 2019 9:14 am
- Forum: Personal Consumer Issues
- Topic: Old Laptop - Keeps Freezing - Help!
- Replies: 21
- Views: 1316
Re: Old Laptop - Keeps Freezing - Help!
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.
- Fri Mar 22, 2019 9:11 am
- Forum: Personal Investments
- Topic: My fee's are too [darn] high!
- Replies: 32
- Views: 4787
Re: My fee's are too [darn] high!
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...
- Sun Nov 04, 2018 9:12 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard - Four Fund Portfolio
- Replies: 136
- Views: 44767
Re: Vanguard - Four Fund Portfolio
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...
- Sun Nov 19, 2017 8:17 pm
- Forum: Personal Consumer Issues
- Topic: Your favorite Costco wines?
- Replies: 40
- Views: 6069
Re: Your favorite Costco wines?
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.
- Sat Oct 21, 2017 4:36 pm
- Forum: Personal Consumer Issues
- Topic: How many miles/years do you keep your car?
- Replies: 108
- Views: 11626
Re: How many miles/years do you keep your car?
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 ...
- Sat Oct 21, 2017 4:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Paying for medical school for son?
- Replies: 79
- Views: 10111
Re: Paying for medical school for son?
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...
- Thu Oct 12, 2017 1:51 pm
- Forum: Investing - Theory, News & General
- Topic: What's your asset allocation and why?
- Replies: 178
- Views: 32798
Re: What's your asset allocation and why?
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...
- Tue Oct 03, 2017 8:05 pm
- Forum: Personal Consumer Issues
- Topic: accounting software for churches?
- Replies: 24
- Views: 2837
Re: accounting software for churches?
Our church uses ACS - http://www.acstechnologies.com/products/acs
- Sun Jul 23, 2017 3:04 pm
- Forum: Investing - Theory, News & General
- Topic: US and International Bond Fund Allocation
- Replies: 113
- Views: 16236
Re: US and International Bond Fund Allocation
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 ...
- Fri Jun 16, 2017 11:03 am
- Forum: Investing - Theory, News & General
- Topic: Poll: Do Bogleheads own Stocks?
- Replies: 77
- Views: 20264
Re: Poll: Do Bogleheads own Stocks?
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...
- Tue May 30, 2017 9:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Not Another Payoff The Mortgage Thread....
- Replies: 38
- Views: 5781
Re: Not Another Payoff The Mortgage Thread....
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...
- Thu Jul 09, 2015 8:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: What age did you become debt free and what opportunities did it create?
- Replies: 142
- Views: 28809
Re: What age did you become debt free and what opportunities did it create?
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...