Search found 356 matches

by fishandgolf
Sun Sep 16, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 55
Views: 3260

Re: WSJ print edition renwal time - any discounts?

....So now, every year at renewal time, I just change the name on the subscription (wife's name, dog's name, etc.) .....also, I had to take out a new email address cuz my current email address would not allow it. Yes, different name and different email addy, but didn't they question why the physica...
by fishandgolf
Sun Sep 16, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 55
Views: 3260

Re: WSJ print edition renwal time - any discounts?

I've been getting the print edition to the WSJ for 25+ years......the most relaxing part of my day is sitting down with a cup of java and read the paper. :beer Years ago I would use air miles to pay for the subscription. Now that I'm retired, I had to get a little creative. Last year when my subscri...
by fishandgolf
Fri Sep 14, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3074

Re: Pay off 3.125% 152k mortgage early?

Toons wrote:
Fri Sep 14, 2018 8:10 am
Pay it off as fast as you can,
Laser like focus.
+1000......

You 're asking this question because you hate debt.....me too. We paid ours off early also......there is no better feeling than having zero debt....

Pay it off.......at WARP SPEED!!!

:sharebeer
by fishandgolf
Mon Sep 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Decking materials -your thoughts
Replies: 11
Views: 996

Re: Decking materials -your thoughts

Any exterior structure constructed of wood......regardless of the type (most common types), requires frequent maintenance.......if you want to keep it looking nice that is. Cedar will withstand the elements quite well but it will turn grey/black if left unfinished, which to me is unsightly. I live i...
by fishandgolf
Mon Sep 10, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 71
Views: 5333

Re: Amazon Prime - Value?

DW and I LOVE Prime......we both have stuffed delivered from Amazon 3-4 times per weeks; as the holidays near, that frequency will increase significantly. Most of the items are delivered with two days.....in a few cases it has been delivered in one day.....in a few.....maybe 3 days but for the most ...
by fishandgolf
Sun Sep 09, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6743

Re: Men’s Underwear recommendation

Based on the comments on this thread........yep... I ordered one pair of the SAXX Platinum........$35.99..... Gotta say.......they are much more comfortable than the Duluth boxers that I've been wearing for the past many years. Next.....I'm thinking about ordering one pair of the SAXX loose fit boxe...
by fishandgolf
Fri Sep 07, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7583

Re: I want to pry my friend away from Edward Jones

I'd be careful -- if the market crashes after she moves her money, she may blame you. Consider steering the conversation towards the fees she's paying and recommend one of the less expensive advisors instead? (like Vanguard PAS) +++1000 Best advise given.......Unless they......and you fully underst...
by fishandgolf
Wed Sep 05, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7583

Re: I want to pry my friend away from Edward Jones

I had a couple friends with EJ. Had conversations with them, but neither have moved. The thought process of "moving," in itself seems like a heavy duty project....but we know differently. It only takes a few phone calls. I've given up. I try not to talk about investing with friends any longer. It m...
by fishandgolf
Wed Sep 05, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11164

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Investing the Boglehead way is simple. I totally agree that it is simple but the authors promoting this investing style, including John Bogle, write scores of books about this style of investing, and each book is several hundred pages. If it is so simple, why do we need all of those books? +1 Love ...
by fishandgolf
Tue Sep 04, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2230

Re: Why does Vanguard not give percentage for YTD returns?

Vanguard gives percentage rate of return for 1 year, 3 year, etc., but not for YTD return. Is there a way to get YTD return on the Vanguard website? Or do I need to figure it out myself? If I must figure it myself, can someone help with a reliable method? Thanks. I called VG more than a year ago ab...
by fishandgolf
Mon Sep 03, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1495

Re: F2 Tornado just slammed our area - Any way to recover expenses?

Would this be a "Casualty or Theft Loss" on Schedule A, Form 1040? Thanks BolderBoy..............might be a window. Because we are planning to sell our house, we did have three realtors here in June to give us a fair market/equity evaluation. I actually have one in writing. Perhaps it would be prud...
by fishandgolf
Mon Sep 03, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1495

Re: F2 Tornado just slammed our area - Any way to recover expenses?

Insurer also paid for roof replacement as it had been damaged by accompanying hail. Insurance adjuster was here yesterday to inspect the roof and exterior for possible damage........no damage. Good news. I was in the house while the tornado hit. It started with a slow flutter of the leaves....then ...
by fishandgolf
Mon Sep 03, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1495

Re: F2 Tornado just slammed our area - Any way to recover expenses?

We had a tree land on our home during a storm a few years back. Because there had been damage to our home when a tree fell on our home, tree clean-up/removal went under homeowners. However, the trees that you are describing that fell without any damage to your home, you are responsible for the clea...
by fishandgolf
Mon Sep 03, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1495

Re: F2 Tornado just slammed our area - Any way to recover expenses?

Broken Man 1999 wrote:
Mon Sep 03, 2018 2:42 pm
Wow!

Were any of the fallen trees recovered for lumber, firewood?

Broken Man 1999
No...did not salvage the wood. There are so many down trees as a result of this storm, the price to harvest the wood is nearly as much as it is to have it taken out.
by fishandgolf
Mon Sep 03, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1495

Re: F2 Tornado just slammed our area - Any way to recover expenses?

I'd be talking to all the neighbors to see what they are doing. In the past, we were in no hurry to deal with trees that did not fall on the house nor block access to the driveway. I'd like to think it made things cheaper when we finally dealt with things as the tree folks were begging us for our b...
by fishandgolf
Mon Sep 03, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1495

F2 Tornado just slammed our area - Any way to recover expenses?

On Tuesday, August 28th at approximately 4:15 PM an F2 tornado tore through our area (Dodge and Fond du lac counties in Wisconsin). In fact the National Weather Service recently confirmed that 17 tornadoes (F1 and F2) came through at the same time......covering a wide area of homes and farmland....~...
by fishandgolf
Mon Aug 20, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3286

Re: Composite Decking Material

OP....check out this link for NewTechWood.......it's a composite material and is great looking. I ordered samples a few weeks ago and they look fabulous. Samples can be ordered directly from the company at no charge......and free shipping! http://www.newtechwood.com/us/deck-tile-naturale.html#colors...
by fishandgolf
Wed Aug 15, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3438

Re: Best consumer products - made in USA

Personally I don't care where products I buy are manufactured or where the company is headquartered. I also do not consider the politics of the company or its ownership in my buying decision. I believe in purchasing the best value products available regardless of where they are made. +1 Couldn't ag...
by fishandgolf
Sat Aug 11, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8050

Re: Should I tell my family/friend that they are making a financial mistake?

acegolfer: In my experience, the best way to convince someone of the many advantages of investing the Boglehead Way, is to give them a good book about investing. I suggest Jack Bogle's latest edition of "The Little Book of Common Sense Investing." Best wishes. Taylor I think that book is one of the...
by fishandgolf
Sun Aug 05, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4113

Re: WSJ - How Brokers Make More On Your Cash Than You Do.

Thanks for the insight......another question: A quote for the article: "At Morgan Stanley, $6.3 billion of that cash is in a money-market fund yielding 1.8%. On Aug. 13th the firm will shut that fund and sweep its clients' idle cash into bank accounts that, after a transition period, could yield muc...
by fishandgolf
Sun Aug 05, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4113

WSJ - How Brokers Make More On Your Cash Than You Do.

An article in yesterday's WSJ (August 4th) featured an article by Jason Zweig that talked about cash money in brokerage accounts and bank sweeps. In short, Zweig mentions a number of large firms that are making a pile of money on investors cash by making bank sweeps. :?: I've read the article a few ...
by fishandgolf
Sat Jul 21, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 19
Views: 1441

Re: Garage door experts

bac wrote:
Sat Jul 21, 2018 4:34 pm
If you don't have them now, make sure to run safety cables through the new springs.
Great safety suggestion..........but it pertains to extension springs. Torsion springs are coiled around an overhead roller bar that should provide similar protection.
by fishandgolf
Tue Jul 10, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4058

Re: Flooring for New House

I will never have hardwood flooring in the kitchen. We have friends that do.....and they have grand kids. Those little tykes have spilled Koolaid, milk, etc. in the kitchen. That stuff gets under the flooring and now.............they have ants.....lots of them. Then something is wrong with the inst...
by fishandgolf
Mon Jul 09, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4058

Re: Flooring for New House

A reminder to the OP and everyone else: Keep some leftover tiles, planks or whatever for future repairs.
[/quote]


Excellent recommendation!
by fishandgolf
Mon Jul 09, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4058

Re: Flooring for New House

Congratulations on the new house! My wife and I are knee deep in the process of planning for a new house; planning now........start to build in early spring 2019 I really like hardwood flooring and will do that in the great room. We live in a log home (almost 18 years and it's time to down size) and...
by fishandgolf
Fri Jun 29, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4166

Re: Best way to clean eyeglasses?

cheese_breath wrote:
Thu Jun 28, 2018 12:20 pm
Zeiss wipes. Get them at Walmart.

+1

Even the "Equate" brand is just a good............and cost is $1.00 less than the Zeiss...... 8-)
by fishandgolf
Sun Jun 24, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 21907

Re: Did you celebrate when you finally hit $1m?

yeah.....we did...sorta. Bought a bottle of Bogle wine (play on the name only).....tossed a few steaks on the grill..........whaaa whooo. Ok........months later...........$1MM seems like a great milestone but not much to celebrate; perhaps it's just old shoe. What am I missing? $1MM today is worth s...
by fishandgolf
Mon Jun 04, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Might one take social security before 70 because you would hit total family benefits earlier?
Replies: 32
Views: 2406

Re: Might one take social security before 70 because you would hit total family benefits earlier?

OP.........just a quick note, the person that you mention in your OP......I believe his name is Mike Piper....also known as the ("ObliviousInvestor")......not Mark Piper. Just in case someone wants to do further research.
by fishandgolf
Fri May 25, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: vinyl plank brands, which is best?
Replies: 13
Views: 1513

Re: vinyl plank brands, which is best?

It can be installed on stairs but you need stair nosing.I would not attempt the stairs yourself.The mm is the wearlayer thickness,not the plank.More wearlayer is better.Everyone thinks installing lvt or laminate is easy,but it is not.The middle of the room is easy,but doorways,halls,corners,angles ...
by fishandgolf
Thu May 24, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: vinyl plank brands, which is best?
Replies: 13
Views: 1513

Re: vinyl plank brands, which is best?

Home Depot has an excellent selection of several top brands; at the moment I don't recall the specific names but they are top quality. I installed vinyl planking in our mudroom and kitchen a year ago. Very inexpensive and easy to install. However, in order to do a quality job you will need a vinyl t...
by fishandgolf
Fri Apr 27, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11970

Re: Amazon to raise Prime membership in US to $119 from $99

Living in a rural community, Amazon is where its at for almost anything I can get from them. Local stores are expensive and have very limited selection. Even for things that the Walmart in town carries, I just go to Amazon and put it in the shopping cart. The trip to town is 10 miles each way, so t...
by fishandgolf
Tue Apr 10, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40991

Re: Name something you bought that wasn't cheap and glad you did

Log home in the woods........lot's of work but.........we enjoy every minute .....especially during the winter snow falls..... :sharebeer
by fishandgolf
Mon Apr 09, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 2047

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

Absolutely, positively, unequivocally a bad idea. Unless you have $ that you have nothing else to do with, then maybe Ok..........otherwise.....Never.

By the way.....now that your fridge is running just fine, probably will continue to do so for 10+ more years......... :sharebeer
by fishandgolf
Mon Apr 02, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1495184

Re: U.S. stocks in freefall

Slothmeister wrote:
Mon Apr 02, 2018 12:47 pm
I feel like Slim Pickens riding that missile down to unknown depths. There goes my first 6 months as an investor. Time to sit tight.
:D Today......pickens aren't slim......lots of stuff on sale......... :sharebeer
by fishandgolf
Wed Mar 28, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 15684

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

Depends how much you make. If you bring home $5000/mo and are spending $1200 on groceries you’re spending too much. If you bring home $50,000 a month and spend $1200 on groceries you’re spending too much but it doesn’t matter. Just because you eat organic non gmo doesn’t mean you need to spend $120...
by fishandgolf
Tue Mar 27, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 10973

Re: Not going to be buying chicken for a while...

Tired of rubber tough chicken breasts but glad to know it is a "known" issue and problem for the chicken industry: https://www.ciwf.com/blog/2017/02/chicken-has-changed-for-the-worse-and-the-proof-is-in-the-stripes I used to think I was over cooking the chicken - but I've been making chicken for ye...
by fishandgolf
Mon Mar 26, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1495184

Re: U.S. stocks in freefall

:?: 8-) So.......if last week Friday (March 23, 2018) was a RBD.......is today a RGD (Really Good Day)? 8-) :?:
by fishandgolf
Mon Mar 26, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: New car?
Replies: 46
Views: 3769

Re: New car?

Being a Boglehead doesn't mean avoiding spending money; it means avoiding wasting money, so that you will have money to spend on the things you want to spend on. Buying a new car to replace an old car, and planning to keep the new car for a long time, is a good way to spend the money you have saved...
by fishandgolf
Sun Mar 25, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27161

Re: Anyone Deleting Facebook?

I followed all the steps in this WSJ article......then I was ready to send it into "never never land"......finally decided to put in on a seven day hiatus....I give it the seven days and see how I feel then. 8-) https://www.wsj.com/articles/how-to-dump-facebook-or-at-least-put-it-in-the-dog-house-fo...
by fishandgolf
Sun Mar 25, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5638

Re: Big time home inspection issues

sport wrote:
Sat Mar 24, 2018 10:19 pm
Keep in mind that there probably are also hidden defects that the inspector was not able to find. The house sounds like a money pit.
+1000

This would also add to my concerns........ Many others have suggested to do a 180 and walk away......... 8-)
by fishandgolf
Sat Mar 24, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly payout from a Vanguard fund (not managed payout fund)?
Replies: 3
Views: 538

Re: Monthly payout from a Vanguard fund (not managed payout fund)?

Hi all: I think I captured most of my question in the title. I am about to rollover my share of our company profit sharing plan to a Vanguard IRA (with one or two funds -- for example, maybe the just Vanguard LifeStrategy Conservative Growth Fund). Is it possible to request a monthly distribution o...
by fishandgolf
Fri Mar 23, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Talk some sense/cents into me- new car purchase
Replies: 44
Views: 3376

Re: Talk some sense/cents into me- new car purchase

I should add that dogs are my life and rescuing them is like having kids but I want no kids.... I try and factor in their cost as a cost of what brings me joy Lot's of reconditioned school buses available on the cheap. Recondition that system and you can have a real DOGmatic experience..... :happy
by fishandgolf
Fri Mar 23, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Talk some sense/cents into me- new car purchase
Replies: 44
Views: 3376

Re: Talk some sense/cents into me- new car purchase

jehovasfitness wrote:
Fri Mar 23, 2018 5:27 pm
fishandgolf wrote:
Fri Mar 23, 2018 5:22 pm
Quit buying dogs......... 8-)
The audacity

I should also add we have 2 "fun" cars that if I sold one would avoid needing a car loan. Don't really want to go that route tho
OK then.......buy little dogs.......... :D
by fishandgolf
Fri Mar 23, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1495184

Re: U.S. stocks in freefall

Dang..........lost that second comma again.........hate it when that happens.... :annoyed
by fishandgolf
Fri Mar 23, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11504

Re: Losing friends/family when wealthy

Friendships must be maintained, or they will die slow death. If you did not have a wedding, you missed an opportunity to strengthen your friendships. If you don't go out to eat, you are missing opportunities to socialize with your friends. If you don't travel with your friends for vacations, you do...
by fishandgolf
Sun Mar 18, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6160

Re: Amazon Prime Going Sideways/Weird Shipment Problems

DHL recently announced they were re-entering the package delivery service in the US. A little competition for UPS and Fed X... :sharebeer

https://www.cnbc.com/2018/03/16/dhl-exp ... x-ups.html
by fishandgolf
Sun Mar 18, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6160

Re: Amazon Prime Going Sideways/Weird Shipment Problems

For what it's worth, I've still been very happy with Amazon Prime. They don't always arrive in 2 days, but the definitely do more often than not, probably 75%+. Most of the time, an extra day or two isn't a big deal to me. When it is a big deal, or an item is very late, Amazon has been good about o...
by fishandgolf
Fri Mar 16, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15555

Re: Large life style creep that was completely worth it

I'm super happy with our dream house but we've only been there 4 months. I don't see it getting old though, completely different feeling that when we moved into our first house. I would never own a vacation property that didn't include maintenance unless it was used just about every weekend. A boat...
by fishandgolf
Fri Mar 16, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15555

Re: Large life style creep that was completely worth it

Vacation Homes ............ :annoyed My sister and her DH have a very nice cabin in the woods on a lake.......lots of amenities...great fishing, excellent scenery.......However...... Every time they go there......there is always LOTS of work to do. My DW and I like the cabin.....and they invite us ...