Search found 349 matches

by MI_bogle
Mon Dec 10, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 58
Views: 5419

Re: Article: Your love of index funds is terrible for our economy

Of all the things that government, big business, and individuals do that aren't good for the economy, this guy wants to call out index investors. Because even when active managers underperform as they charge higher fees than index funds, they are still adding lots of value in our economic system. i...
by MI_bogle
Thu Dec 06, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2484

Re: New QUIET Tires for Accord

For keeping tires quiet, maintain your tires well. This means rotating them every 10k miles or less (just do rotations with oil changes), maintaining tire pressure, maintaining alignment (poor wear due to alignment issues will cause noisy tires), and making sure your suspension is in good shape (ba...
by MI_bogle
Wed Dec 05, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2484

Re: New QUIET Tires for Accord

For keeping tires quiet, maintain your tires well. This means rotating them every 10k miles or less (just do rotations with oil changes), maintaining tire pressure, maintaining alignment (poor wear due to alignment issues will cause noisy tires), and making sure your suspension is in good shape (ba...
by MI_bogle
Tue Dec 04, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8541
Views: 1670455

Re: U.S. stocks in freefall

I'm really not liking this market. Anyone else thinking its time to lighten up on equities? I'm really considering pulling out for a while. Ditto - the market knows NOTHING today that it did not know yesterday, yet the Dow drops 775+ points. THIS DID NOT USED TO HAPPEN - at least with the frequency...
by MI_bogle
Tue Oct 30, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5301

Re: People with older car, share your unusual repairs

1999 Tacoma with 190Kish miles, owned for 8 years

Only repairs I have done were fixing the window regulator (window arm regulator came apart, window fell down into the door) and a coil pack

Other than that it's been routine maintenance like brake pads/rotors, windshield wipers, and tires
by MI_bogle
Thu Oct 25, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buying questions
Replies: 17
Views: 1997

Re: First time home buying questions

1. Knowing the housing market has appreciated 30% or so in past few years, is it still a good time to buy in PDX suburbs area? It seems, recently although home prices slowed down, they are still rising. I hope I can stay and work here long enough to make the home purchase worthwhile. I would say the...
by MI_bogle
Thu Oct 25, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Considering Leaving Vanguard [due to incompatibility with Mint]
Replies: 8
Views: 975

Re: Considering Leaving Vanguard [due to incompatibility with Mint]

Since you all seem to not have this issue, it sounds like I need to call Vanguard back and find out how to stop this problem. I would not expect generic customer service folks at Vanguard to be able to help you with issues stemming from another businesses platform. Like suggested above, I would fir...
by MI_bogle
Wed Oct 24, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Considering Leaving Vanguard [due to incompatibility with Mint]
Replies: 8
Views: 975

Re: Considering Leaving Vanguard [due to incompatibility with Mint]

I have not experienced this issue with Vanguard and Mint not talking and MFA

I think this might be putting the cart before the horse though. Do you really have a need to refresh your investment accounts every time you log in to Mint?
by MI_bogle
Tue Oct 23, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1308

Re: How do you evaluate HDHPs?

In fact, recent health economics research suggests that employers are *so* enamored of HDHPs that they have set premiums for them low enough that in many workplaces they actually mathematically dominate the other options. So in those situations most people should choose the HDHP (still, many do not...
by MI_bogle
Thu Oct 18, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8617

Re: When to change tires; and what brand

Just a heads up. Discount Tires will rotate snow tires on for free until Oct. 27. Saves around $100. I would set up an appointment before hand to confirm this. Best, Cody Man, that's awful early to be putting on snow tires IMO. Still have good odds of of weather above 50 degree highs, and dry roads...
by MI_bogle
Mon Oct 15, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6002

Re: What the heck is growing in my yard?

...I eat stuff I find in my neighborhood all the time. Paw paws, apples, oyster mushrooms, hen of the woods, morels, plums, etc... What about by the side of the road? :D You jest, but been there, done that. A few years ago I was about 1/2 mile from home when a truck just in front of me hit a deer. ...
by MI_bogle
Mon Oct 15, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6002

Re: What the heck is growing in my yard?

Thanks everyone for the help. I’m am going to dig up, cover with fresh top soil and seed as someone above suggested. And while I appreciate everyones concern, there is 0 chance I’m eating something that just shot up in my yard. I mean, if a hamburger appeared on your front doorstep, would you eat i...
by MI_bogle
Tue Aug 21, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 7783

Re: Are millennial botching their asset allocations?

Interesting, at 30 I know of no one in my peer group that holds 0% in equities aside from those who have zero savings :shock: I think the "zero savings" group is skewing the sample. Another issue is the fact that "auto-enrollment" in 401k and similar workplace retirement accounts has increased, and...
by MI_bogle
Mon Jul 16, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5582

Re: Bears!!!

I've read that black bears are quite common in many places in the USA. I live at the edge of a national forest but still within the city limits (barely) of a city. My house is quite a ways from the street and you reach it by driving down a longish (150 feet or so) gravel driveway. The area around t...
by MI_bogle
Thu Jul 05, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1482

Re: Removing dead poison ivy

I would cut the vine base and then daub more herbicide directly on the cut surface just to be sure you get the roots
by MI_bogle
Mon Jul 02, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 5224

Re: Retiring in Michigan (Ann Arbor)

I'll also add that since "other places in the Midwest" were mentioned, other candidates in the mold of Ann Arbor would be Madison WI, Twin Cities in Minnesota. Twin Cities are much larger, but many neighborhoods and areas that feel very similar to Madison/Ann Arbor. I actually prefer the winter weat...
by MI_bogle
Mon Jul 02, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 5224

Re: Retiring in Michigan (Ann Arbor)

Since the original post here asks about thoughts on Ann Arbor "or other midwestern cities," it doesn't seem too off-topic to ask: For those who have lived in Ann Arbor, did you find yourself having much reason/occasion to go over to East Lansing for activities (arts, music, other culture, but not n...
by MI_bogle
Thu Jun 28, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4432

Re: Any Reason to Keep My "Landline" Phone?

I don't think you're missing anything, give it the ax!
by MI_bogle
Wed Jun 27, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6853

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Dropped off my ten year old civic at the shop today with transmission problems. If it ends up being more than a $500 fix, I will end up replacing it and we are in desperate need of a truck (live on 20 wooded acres with a gravel road and livestock). I personally dislike driving a truck so the promis...
by MI_bogle
Wed Jun 27, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Opinion: Betterment Thinks We're Stupid
Replies: 17
Views: 3812

Re: Opinion: Betterment Thinks We're Stupid

frankly, I think it's refreshing. We rail on firms that use jargon and pressure sales tactics to sell complicated portfolios with high fees. This is pretty much the opposite of that. They're speaking plainly, have pretty reasonable fees, and are actually explaining what a basis point is in an unders...
by MI_bogle
Mon Jun 25, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Term Life Insurance ?
Replies: 12
Views: 1136

Re: Term Life Insurance ?

Term4sale.com is the most recommended way to shop
by MI_bogle
Mon Jun 25, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand Roth vs Traditional IRA
Replies: 34
Views: 1716

Re: Help me understand Roth vs Traditional IRA

Mathmatically, as long as you are in identical tax brackets when you contribute and when you withdraw a Roth and Traditional are identical There are many factors to which is better for each situation. The rub is that you won't know most of the crucial information until years in the future. Tax rates...
by MI_bogle
Mon Jun 25, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7490

Re: CNBC: Social Security buying power has slipped by a third for retirees

Not terribly surprising, given the exponential increase in healthcare.

Social Security inflation adjustment is not chained to the basket of goods that senior citizens are using. And unfortunately for them, housing and healthcare are growing far faster than inflation at large
by MI_bogle
Mon Jun 25, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 3138

Re: College: extraneous expenses

Hello! I will be starting school in the fall living in the dorms for my Bachelor's degree and my parents and grandparents are helping me out a ton, but I will be responsible for books and other extraneous expenses. I have meal plan for 15 meals a week with my college which is included in my Room an...
by MI_bogle
Mon Jun 25, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5725

Re: car for long-distance driving

Hi all, I'm looking to buy a car as I will need to drive from Champaign, IL to Charlottesville, VA about once every month starting this fall. This would be a 11-hour drive so I want to make sure I will get an appropriate vehicle. To experienced boglehead drivers, Would a Honda Fit be a capable choi...
by MI_bogle
Fri Jun 22, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: I think I am in trouble...way behind where I should be
Replies: 22
Views: 2635

Re: I think I am in trouble...way behind where I should be

Thank you all for your thoughtful replies. You've made me feel better. I do feel like I am way, way behind my peer group. I have edited my original post to address some of the questions / requests for more information. Hopefully I didn't miss anything. Thank you very much. One thing not mentioned y...
by MI_bogle
Thu Jun 21, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3798

Re: Does an IPS really need to be 5 pages long to be valuable?

We are actually looking for sample IPS's for my adult daughter to use as a template. Where to look for shorter, but valuable ones? Thanks much, Cody Perhaps she can use yours as a template? :) :beer Cheers, packet Or, perhaps the greatest value would be for her to create the IPS herself, using your...
by MI_bogle
Thu Jun 21, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3798

Re: Does an IPS really need to be 5 pages long to be valuable?

And an IPS is...what? Investing Policy Statement Mine is 1 page long, and under 500 words. It has a few objective/goals (target retirement age, savings goal, etc), a 1 sentence investment philosophy, a note about houses/cars, asset allocation, funds/accounts, review process (once annually), and reb...
by MI_bogle
Thu Jun 21, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 3303

Re: Buy new truck before retiring?

20 mpg - 13 mpg = 7 mpg difference. $2.90/gallon $9500 difference ? = $9500*(7m/g)*(1g/$2.90) g cancels $ cancels math, ? = 22,931.0345 miles Think of it this way. Driving 20,000 miles at 20 MPG uses 1,000 gallons of gas. At $3 a gallon, that's $3,000. Driving 20,000 miles at 13 MPG uses 1,538 gall...
by MI_bogle
Wed Jun 20, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Why is Mr. Bogle so against investing internationally?
Replies: 24
Views: 3167

Re: Why is Mr. Bogle so against investing internationally?

I would posit that his lifetime aligned with a remarkable period for US growth, during which it has often outperformed international stocks. So there could be some bias there. Plus the normal "home country" bias, and as he has mentioned multiple times, many US companies have lots of international ex...
by MI_bogle
Fri Jun 15, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1672

Re: Cheap, fuel efficient 2nd car commuting?

My daily driver is newer (paid for) truck averaging about 18 miles per gallon (city/highway). I was averaging about 10,000 miles per year with this truck so depreciation and fuel expenses were not that big of a concern for me. Due to an unexpected but good job change, I am now anticipate driving ab...
by MI_bogle
Fri Jun 15, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18722

Re: Top Shelf Liquor Overrated?

Laphroigh is very much an acquired taste. Hated my first sip but ended up living it. I prefer Lagavulin 16 over it by a bit but it’s a lot pricier. Ardbeg is very similar and tastes wonderful. Current favorite is Carol Illa. Also from Islay and great tasting (surprised only one person mentioned it)...
by MI_bogle
Wed Jun 13, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7628

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

Millennials get blamed for everything from "killing retail" to not having enough babies. I love the irony when I see these rants by Boomers posting on popular social media platforms created by Millennials. I always re-write the headlines in my brain as I read them For example "Millenials are killin...
by MI_bogle
Fri Jun 01, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18722

Re: Top Shelf Liquor Overrated?

I’ve been comparing: Gordon’s Gin to Blue Sapphire Evan Williams Bourbon to Maker’s Mark Smirnoff Vodka to Grey Goose Kirkland Canadian Whiskey to Crowne Royale Kirkland Cognac to Remy Martin In most of these examples a half gallon is the same price as a fifth of the more expensive liquor. They are...
by MI_bogle
Thu May 24, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs Emergency Fund
Replies: 21
Views: 1708

Re: 529 vs Emergency Fund

Rupert wrote:
Wed May 23, 2018 2:30 pm
Emergency fund first. (That's the equivalent of putting on your oxygen mask before helping others).
This is great and I'm totally stealing it!
by MI_bogle
Thu May 24, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick
Replies: 37
Views: 3322

Re: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick

Don't spend 1500 on rust. You're driving a 15 year old Buick. Who cares if there's rust Also, nobody has mentioned it... but 15 years and only 25,000 miles... that's in the territory where things could go bad fast. Old, super low mileage cars aren't always the best, because they sit idle for very lo...
by MI_bogle
Tue May 22, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 23
Views: 2057

Re: Anyone Using Food Sealing Vacuums (eg FoodSaver)?

I've for awhile now toyed with whether a vacuum sealer for foodstorage would be a useful purpose. I suspect this forum probably has a higher use rate for these than the average population, so I'm curious as to how useful people really think they are and how they actually tend to get used in the rea...
by MI_bogle
Wed May 02, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 15747

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

Ugh. Just got the email from my HSA provider... of course, this is about 5 weeks AFTER I changed my contribution via payroll

I am just going to leave it 50 bucks short, what a giant PITA.
by MI_bogle
Thu Mar 29, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2784

Re: Which of our cars should we use more, old or new?

We own 2 cars: one 11 years old with ~110,000 miles, and another 1.5 years old with ~13,000 miles. It seems the general opinion from people I talk to is to use the old car for around town stop and go driving, and the new car for more long distance driving when possible. Both are used for commuting,...
by MI_bogle
Wed Mar 28, 2018 11:48 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 23534

Re: A lot of heavy hitters this morning

Love this board but can't help to feel disconnected this morning when the first 3 posts are something like: 1) I will be making $350K, should I save for my kid's 529? 2) Should I buy a $1.2 million condo? My inlaws just gave me $235K. 3) I got a $600K windfall...should I pay off mortgage? Feeling a...
by MI_bogle
Wed Mar 28, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16582

Re: Healthy eaters -- is this grocery budget normal to you?

Anyway, we do eat lots of meat! OK - that may be the key to your higher costs. "The science says" high consumption of meat is very unhealthy - so you are paying a premium to harm your health. Your choice - but no longer mine. What science says this? I eat 3 lbs of lean ground turkey, 2.5 lbs of chi...
by MI_bogle
Tue Mar 27, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7621

Re: Concerns with Vanguard

I really do love Vanguard. They do not have to worry about their stock price like Schwab or enrich their owners like Fidelity. However, .... 2. With all my assets in cyberspace, does anyone else on forum have concerns about security? 3. Is anyone switching out of Vanguard or is this the usual commo...
by MI_bogle
Tue Mar 27, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7621

Re: Concerns with Vanguard

I have been a happy customer of Vanguard for 20 plus years. I have never had an issue with them. However, I am alittle concerned with the stream of negative comments lately about their services. The computer glitch this morning is actually the first time they raised my blood pressure. I really do l...
by MI_bogle
Tue Mar 27, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 4019

Re: Am I being stubborn about housing purchase

Am I being stubborn? I am debating on decreasing retirement savings to increase downpayment for a house. However, I am not convinced this is most prudent thing. Many colleagues at work tell me that I am just wasting my money by renting. Also, since the housing market in Austin has been increasing r...
by MI_bogle
Mon Mar 19, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 3070

Re: conversation about finances/spending with significant other?

You've been dating for a year, that's not too soon to have the conversation. Just have it. "Boyfriend, we've been dating for a year and there are some things I'd like to start discussing to determine whether we are long-term compatible. One of those is finances. I'd like to discuss our respective f...
by MI_bogle
Mon Mar 19, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: "Demographics and equity returns: A far-fetched horror story" by Joe Davis of Vanguard
Replies: 30
Views: 5687

Re: "Demographics and equity returns: A far-fetched horror story" by Joe Davis of Vanguard

Chapter two of the story centers on the notion that, burdened with student loans and shell-shocked from the dot-com bubble and global financial crisis, the millennial generation is risk-averse and reluctant to invest in the stock market. When Vanguard analyzes the data, however, this narrative arc ...
by MI_bogle
Tue Mar 13, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 15287

Re: Need advice re: Liberal Arts Colleges...

In general, students who flourish at liberal arts colleges leave with highly marketable skills, namely sophisticated critical reading, writing, thinking, and oral communication skill. Liberal arts colleges also tend to provide their students with greater individual support than do many larger Unive...
by MI_bogle
Fri Mar 09, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2455

Re: Anyone ever have success getting out of a lease?

Don't just "not pay". That's a bad idea. You signed a contract stating you'd stay through a certain time. Giving two months notice isn't "reasonable" if the contract says you have to stay until a certain date. If you haven't read the lease thoroughly, now would be a good time, just to see if there's...
by MI_bogle
Thu Mar 08, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 15747

Re: HSA family max contribution lowered to $6850 for 2018

Wow, thanks for the heads up. I set mine to max via payroll deductions over the course of the year.

Now I guess we'll see how my payroll bureaucracy handles it. Somehow I doubt it will be smooth. I bet they haven't even heard of it yet...
by MI_bogle
Mon Mar 05, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: New Kid Expenses
Replies: 31
Views: 2683

Re: New Kid Expenses

Income from my wife's job is slightly over the cost of what daycare would be assuming it was $3K/mo daycare so again, it all depends on what we value more. If you end up needing 3k/mo in daycare and your wife brings in 3k/mo then it's a net loss after paying taxes on her income. ^^ Is it a net loss...