Search found 455 matches

by Mr.BB
Tue Jun 19, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a 26 year old?
Replies: 15
Views: 1268

Re: Asset Allocation for a 26 year old?

Looks good. Glad to see you're not holding any bonds in your 20's. Don't forget about having an emergency fund!
by Mr.BB
Sun Jun 17, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11138

Re: Which boglehead rule do you break--and are ok with

How often do you go out to dinner in a month? Depending on where you like to go eat, not going 1-2x a month should cover it. Zero. We only go out to eat when we have restaurant giftcards that we get from watching someone's kids or something. I recently got a giftcard to Olive Garden from work for a...
by Mr.BB
Sun Jun 17, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11138

Re: Which boglehead rule do you break--and are ok with

How often do you go out to dinner in a month? Depending on where you like to go eat, not going 1-2x a month should cover it.
by Mr.BB
Sun Jun 17, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36925

Re: Bogleheads, tell me about your 40's?

My friend plays at a level 4/5 tennis, used to do marathons, overall very good shape. What his trainer meant was to keep up a high level of fitness (that is where my friend was 20 years ago, and still is). Working on flexibility, balance works, joint stability work, core, strength, etc. You can and ...
by Mr.BB
Sun Jun 17, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2049

Re: Vanguard email about transition fund accounts to new brokerage platform

I also had a post about this. I keep getting the same email request to change over to their brokerage platform, since by law they cannot do it themselves. I am not going to do it unless they flip the entire current platform over to the brokerage platform.
by Mr.BB
Sun Jun 17, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36925

Re: Bogleheads, tell me about your 40's?

A friend of mine personal trainer told him 20 years ago that what he does in the gym now (age 40) will affect him 20 years later. He told me his trainer was completely right.
by Mr.BB
Sat Jun 16, 2018 4:39 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6623

Re: can we afford to spend $20K on travel annually

mancich wrote:
Sat Jun 16, 2018 4:29 am
You can absolutely afford it and should do it. Memories with your wife and children are priceless. :happy
+1
by Mr.BB
Sat Jun 16, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6623

Re: can we afford to spend $20K on travel annually

"One day you will wake up and there won't be any more time to do the things you've always wanted. Do it now.
~Paul Coelho
by Mr.BB
Sat Jun 16, 2018 4:19 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11138

Re: Which boglehead rule do you break--and are ok with

I pay extra on my mortgage even though I haven't maxed out my 401k. Does that count as breaking a Boglehead rule? We also don't have life insurance, despite having a one-year-old. It's been on my to-do list, but who has the time? Do you have time to watch SportsCenter or whatever TV shows you like ...
by Mr.BB
Wed Jun 13, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 456
Views: 100612

Re: Anyone regret paying off mortgage early?

No, glad we did it. Takes a lot pressure off the monthly budget and we can take any extra money (that is not going toward the mortgage payment) and invest it.
by Mr.BB
Tue Jun 12, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 127
Views: 9819

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

I listen sometimes to DR on my drive to work. I like some of his ideas on getting out of debt. However he is way off base on his savings approach. He totally misses the point of time being the most valuable asset you can have. Like Warren Buffet says, "You don't need a big snowball, just a big hill....
by Mr.BB
Mon Jun 11, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3253

Re: How to convince my co-worker to invest more?

Definitely get him the book. I also like simple examples. You could show him on a savings calculator the difference over 40 years what an increase in his savings to the 401k will make (hundred of thousands of dollars), versus waiting 5 or 8 years before he starts increasing, the numbers are staggeri...
by Mr.BB
Thu Jun 07, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6541

Re: What commuter car provides the best long term financial value?

I drive about the same amount of miles you do per year. The last three cars have all been Honda Civics EX models. My first one was 2002 it went till 2007 about 134,000 miles My second one was 2007 lasted till 2017 had about 270,000 miles. I'm on my third Honda right now, I got last year my 2017 mode...
by Mr.BB
Mon Jun 04, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 23
Views: 2203

Re: Vanguard platform

Why stay with 19th century stuff, jump to the 21st century and join the FUN. Your money, your portfolio, your decision. Gracias por leer / cfs I agree... which is why I an NOT moving until they make me.... I have one acct in the new and wish I'd never done that - they convinced me my issues would b...
by Mr.BB
Mon Jun 04, 2018 3:33 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 42
Views: 3320

Re: 6 hour layover on Heathrow

With the time it takes to get from the airport to the downtown area, you wouldn't have much time to look around and then you will have to deal with going through TSA/security again. You would be better off taking the money and relaxing in one of the club lounges. Some of them even have showers and d...
by Mr.BB
Sun Jun 03, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 23
Views: 2203

Re: Vanguard platform

livesoft wrote:
Sun Jun 03, 2018 3:16 pm
Who knows? Maybe they will offer holdouts $100 to switch? :)

Ever been on a plane when they ask for volunteers who will get voucher to be bumped?
+1
by Mr.BB
Sun Jun 03, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 23
Views: 2203

Vanguard platform

I do not have a brokerage account with Vanguard, and I use their old platform; although simple in it's layout, works great for me. We have my SEP our ROTHS and basic mutual funds (2) with them. I got an email saying they are retiring the old platform and are transitioning to the new one (which I bel...
by Mr.BB
Tue May 29, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 4942

Re: I've never budgeted sucessfully

I use Quicken. I simply download our credit card information a couple times a month The key is making sure your categories are updated correctly and then most importantly you have to track your cash. A few dollars here there really does add up. A car wash , a cup of coffee, etc...you will probably f...
by Mr.BB
Tue May 29, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 4942

Re: I've never budgeted sucessfully

White Coat Investor wrote:
Wed May 23, 2018 10:59 pm
Budgeting is a lot of work, but it's a commitment to your financial future.
+1
by Mr.BB
Sat May 26, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy at 55
Replies: 16
Views: 2917

Re: Investment Strategy at 55

I would definitely move the money out of ML. A target date fund is always good, but you can also look at Wellesley and Wellington funds as options (Wellesley is a little more conservative). I am a big believer in having an emergency fund, and if your mom is working for herself her income can really ...
by Mr.BB
Sat May 26, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2745

Re: Near commercial level treadmill

Precor is the best brand out there. Not as fancy as some of the other brands, but that is because they put their money into better belts/ frame and motor.
by Mr.BB
Tue May 22, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 80
Views: 9365

Re: $1,700,000 from family trust...

Congratulations on your inheritance! I completely agree about paying off all credit cards and mortgage. There is a lot of freedom when you have no debt. I would recommend that you nothing for 60 days once you receive your money. I'm sure you already have been playing out about 10,000 different scena...
by Mr.BB
Tue May 15, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 4725

Re: Hawaii vacation suggestions

Haleakala is a fabulous bike ride. Best sunrise you will ever see if the clouds permit. Our bike guide told us that there are only 80 days a year when you get that great sunrise...we got lucky! Not a hard bike ride, only about 300 yards of actually pedaling at the bottom. It's all downhill, though y...
by Mr.BB
Tue May 15, 2018 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9900

Re: Yes, I'm 89 all right!

Happy Birthday, Mr. Bogle!
by Mr.BB
Mon May 14, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 4725

Re: Hawaii vacation suggestions

Much depends on what you want to do. Costco travels usually has some very good deals available with a rental car included. You definitely want to rent a car. There is so much to do and see on this beautiful island. I wouldn't get anything bigger than a mid-size, especially if you do the Road to Hana...
by Mr.BB
Fri May 11, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3513

Re: Asked to be Executor - What questions to ask

2) Ask that they keep an updated list of all their credit cards and other financial information (names/passwords) in a safety deposit box. when you have to start accessing all their personal records, this is a life saver. I would never include usernames/passwords. As long as you know where the acco...
by Mr.BB
Thu May 10, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Move all funds to Vanguard?
Replies: 29
Views: 2559

Re: Move all funds to Vanguard?

OP you have made one of the best financial decisions you could have made by joining Bogleheads. I think you will find there are many people here who manage their own investments and are willing to help others in need of help like you. Whether you choose Vanguard, Fidelity or Schwab is, to me, not t...
by Mr.BB
Thu May 10, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3556

Re: Which heart rate monitor is the most accurate?

Polar is the most accurate (they have been around since the 1980's). It is the chest strap that makes it so accurate. The new wrist /watch monitors uses light sensing for blood flow in your wrist and algorithms to calculate your heart rate. Straps take the information directly from your heart beating.
by Mr.BB
Thu May 10, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3513

Re: Asked to be Executor - What questions to ask

2) Ask that they keep an updated list of all their credit cards and other financial information (names/passwords) in a safety deposit box. when you have to start accessing all their personal records, this is a life saver. I would never include usernames/passwords. As long as you know where the acco...
by Mr.BB
Wed May 09, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3513

Re: Asked to be Executor - What questions to ask

I have 2 siblings that do not talk to each other anymore because of decisions made by one of them as our executor. This is what I would recommend that you make sure is supplied to you as an executor. 1) Letter of Intent. This is an outline from the deceased to help the executor on how they would lik...
by Mr.BB
Sun May 06, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18205

Re: Ed. Jones rep didn't like our plan, now we're locked out

I would get a lawyer and also make sure you have all the information facts before you do anything, because this going to cost money to do this. I would also have the lawyer tell him they're going to file a lawsuit against the broker and let the corporate office know of this lawsuit and I would also...
by Mr.BB
Sat May 05, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10793

Re: Wanting to leave Fidelity

Every company has people that like and hate them. You will find people that have never had a problem with fidelity, vanguard, t.rowe or Schwab and you will find people with horror stories at each of these companies. If you don't like your experience where you are at, then pick another company. Just ...
by Mr.BB
Sat May 05, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18205

Re: Ed. Jones rep didn't like our plan, now we're locked out

I would get a lawyer and also make sure you have all the information facts before you do anythi, because this going to cost money to do this. I would also have the lawyer tell him they're going to file a lawsuit against the broker and let the corporate office know of this lawsuit and I would also fi...
by Mr.BB
Fri Apr 27, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7622

Re: Money vs. Work-life balance

You can test the water this way. For 2 weeks, try working the hours (staying in the office) you think you will need to work at the new job. Also, if adjust your transport time as required. If you have to spend an extra 15 minutes a day driving, then you should do that to. You can only guess what a n...
by Mr.BB
Fri Apr 27, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retired Parents
Replies: 13
Views: 1623

Re: Help with Retired Parents

The big question is what is their monthly expenses?
If their expenses is less than the their SS income. then you don't need to take much risk with their money. Find a nice combination of stocks/bonds, maybe Wellesley fund (VWINX).
by Mr.BB
Tue Apr 24, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 4525

Re: Why are rising Bond Yields bad?

As interest rates rise it changes the risk/ reward dynamics. In 2006 I was getting 4% on our checking account through the credit union. Imagine a 4% return with zero risk. With interest rates low, you have to venture into stock funds (or individual stocks) to try to get a decent interest on your mon...
by Mr.BB
Wed Apr 18, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 27
Views: 3683

Re: Wellesley January Price Drop? Why?

Wellsley has been a great fund and I have decent sized stake, but I kind of wonder if it is built for taking advantage of falling rates more than its peers. About the only time it has underperformed for any length of time was in late 70s and early 80s. It isn’t shocking that it has underperformed g...
by Mr.BB
Sun Apr 15, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6047

Re: Costco gas

I almost always get my gas at Costco. Just the regular unleaded, our cars do not need premium.
Their prices are always cheaper than the other gas stations. Premium and Regular.
by Mr.BB
Thu Apr 12, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 3988

Re: Beginner @ 46, so much to learn.

Being super aggressive with your investing because you feel you are behind, is like racing your car down the highway but not knowing your destination, alternative routes or shortcuts. Keep investing (though make sure you put some money aside for an emergency fund). Learn about expense ratios, play w...
by Mr.BB
Tue Apr 10, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15318

Re: Parents have zero savings. What can I do?

If they are basically opening the conversation with the statement that they do no have any money, then you should continue that conversation on what are they doing about it. Sometimes you have to hold people's feet to the fire. A good place to start is to teach them to help themselves. If they are n...
by Mr.BB
Mon Apr 09, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 5304

Re: If you want an actively managed fund, which one would you use?

michaelc wrote:
Mon Apr 09, 2018 11:37 am
PWRCX - T. Rowe Price Capital Appreciation
I have it too, and love it. However it is closed to new investors.
My other favorite is the Wellesley fund (VWINX)
by Mr.BB
Fri Apr 06, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5617

Re: [When is going out to a restaurant worth it to you?]

peppers wrote:
Fri Apr 06, 2018 7:28 pm
When my executive chef at home says, " I am not cooking tonight", usually on weekends, I know it's game on.
My executive chef says "What's for dinner tonight?" That is when I know it's game on.
by Mr.BB
Fri Apr 06, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 1986

Re: GE Microwave Weird Issue

I just started noticing that (turning on when I open the door) problem last week on our door. I thought it might be something with the latch. Thanks for the info!
by Mr.BB
Fri Apr 06, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2102

Re: 1st World Problem - Pet Insurance

As others have mentioned, why not self-insure? Put those funds in the bank, and if you happen to need them in the future, you can tap into it? My wife and I just got a new puppy a few weeks ago after our beloved 11 year old Lab passed away after a year of battling seizures, chronic infections, and ...
by Mr.BB
Fri Apr 06, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5617

Re: Restaurants Vs. Cooking?

Pajamas wrote:
Fri Apr 06, 2018 4:41 pm
Dottie57 wrote:
Fri Apr 06, 2018 4:41 pm
Is there a question.
There is now. . . . :D
LOL
by Mr.BB
Fri Apr 06, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6278

Re: Are we in bear territory?

10% correction usually happen once a year. Last one was Jan/Feb in 2016. we have been on a 2 year tear since then and I think 2011 was the last one before that. Usually you get a 5% correction a couple time a year.
by Mr.BB
Thu Apr 05, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 7166

Re: Asking for a raise/promotion with another offer in hand

After reading the OP's last post I keep getting that scene from The Karate Kid in my mind.
Accept new offer stand on this side of the road...you safe
Stay with your current company, other side of the road ...you safe
Stay in the middle...can't decide....you splat!
by Mr.BB
Thu Apr 05, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 17055

Re: What can we learn from secret millionaires.

whodidntante wrote:
Wed Apr 04, 2018 7:57 pm
Hopefully where they play poker.
:D +1
by Mr.BB
Thu Apr 05, 2018 3:42 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor fees? Am I paying too much?
Replies: 54
Views: 4212

Re: Financial Advisor fees? Am I paying too much?

Wow I am glad I posted this topic. This is depressing. I thought I was happy with my returns and had not looked at anything other than the balance. BTW I do not contribute to these ever. The IRA was a rollover of 401k funds from a previous employer and the managed fund I started about 2 years ago w...