Search found 150 matches

by Veiled
Wed Jul 18, 2018 6:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

denstl wrote:
Wed Jul 18, 2018 6:08 pm
Chesterfield works for me. Oh wait, I just happen to live in Chesterfield. But I am open to meeting wherever works for most.
:beer
by Veiled
Wed Jul 18, 2018 5:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Would those who suggested St. Charles (looking at you epicahab) be okay with Chesterfield while we're still meeting new faces in the area? I think it might be beneficial to catch as many people as possible before we sample more of greater St. Louis.
by Veiled
Sat Jul 14, 2018 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

It’s wonderful to hear from you all, those who attended last time and some new faces. Last time we met in Clayton because of its central location. At that meeting, seveal people suggested St. Charles. Its a nice area although geographically further from some. I would like to hear from as many people...
by Veiled
Thu Jul 12, 2018 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Hello St. Louis Bogleheads! As we discussed when we met in May, it'd be great to be meeting every few months and in different places to draw out different parts of the crowd. We'd talked about finding a place to eat in St. Charles in July or August. Right now, I find myself busier than I anticipated...
by Veiled
Tue May 08, 2018 11:17 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Great first revival of the St Louis chapter of the Bogleheads. We enjoyed some great stories and shared investing experiences with each of the group adding to the Boglehead way of investing. Thanks to Veiled for getting the first meeting under way and being solely responsible for the "revival". Hop...
by Veiled
Sun May 06, 2018 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Hoping to see everyone today at 3pm at twinOak pizza in Brentwood (1201 Strassner)!
by Veiled
Sat Apr 14, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13282

Re: How Far is too Far, Commuting?

Late to reply and astounded by some answers. I wouldn't drive more than 30 minutes one way. I wouldn't use public transport more than 45 minutes one way. Right now I live 3-6 minutes away from my workplace. I have no children, which means I don't have to think about school districts. If I prioritize...
by Veiled
Sat Apr 07, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027768

Re: What Movie Have You Recently Watched?

Frantz, a French WWI-aftermath film. Like all foreign movies, hard but good to swallow as an American. Cinematically beautiful, if you're into that.
by Veiled
Sat Apr 07, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 3064

Re: College freshman shopping—what don’t we need?

Bedding, cheap hamper and detergent Bathroom caddy with essential supplies, shower shoes Office supplies for a simple desk (think your new office intern who might leave in a year) Hangers and a capsule wardrobe able to be expanded by 20 T-shirts from various events and organizations Whatever basic f...
by Veiled
Sat Apr 07, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4017

Re: How often do you replace your office shoes?

I'm going to have to get fitted and then go home and wait for seconds/sales in order to stomach the cost. I agree with you that over time this is a much more cost effective way to own shoes. They're having an anniversary sale right now through 4/23 for some anniversary and there are some pairs unde...
by Veiled
Sat Apr 07, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 11674

Re: “We’re not making enough money off you”

Firms aren't running charities; they cannot exist if they cannot turn a profit. [/b]How about your medical insurance decides to insure you only if they can make sure you will not get expensive to cure diseases via genetic type testing? Where do you draw the line? For profit healthcare is already be...
by Veiled
Sat Apr 07, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7410

Re: Your Monthly Cost of Living

Single, no kids, Midwest: Rent/utilities/internet: 800 Food/medical: 300 Car (loan, gas, maintenance, prop tax): 300 Insurance: 250 Total COL including a few other things (donations, professional dues): 2500 I'm lucky to have few to zero medical copays and bills, live in an LCOL, and have an Aldi do...
by Veiled
Sat Apr 07, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2715
Views: 532291

Re: What's Your Credit Card Rewards Strategy?

Goal . Require no use of my own money for domestic flights by earning travel miles on minimum spends and ordinary purchases. I'm about 80% of this goal right now. Cards . Currently: CSP, Business Ink, British Airways, Southwest Plus, Amex Gold Premier. I actually use the Ink for my sole prop, but t...
by Veiled
Sat Apr 07, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1450222

Re: U.S. stocks in freefall

My first investing emotion since my initiation into passive index fund investing: I'm rather bummed that I can't take advantage of the relative sale right now. I'm not slated to invest more until the fourth quarter (an unfortunately inflexible plan made before these market vacillations). Oh well.
by Veiled
Sat Apr 07, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6396

Re: Are we in bear territory?

I'm in bear territory. Have to take the bird feeders down in the spring and summer so they don't get destroyed. :mrgreen: That was amazing. My favorite thing about this forum is everyone's very appropriate levity regarding the market's ups and downs. It illustrates that this investment philosophy w...
by Veiled
Fri Apr 06, 2018 4:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Thank you to all the bogleheads who replied and provided availability! Based on everyone's responses, I made a reservation for ten (!) at twinOak, a pizza/BBQ/sandwich/salad place in Brentwood that I hope will appeal to a broad range of palates, the people trying to LBYM, and a wide array of people'...
by Veiled
Sun Apr 01, 2018 3:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

I see some overlap between Bogleheads, Mr. Money Mustache, and ChooseFI. Though the purposes are a little different, there's enough in common interest (judicious approaches to money, with varying approaches/purpose). I noticed people on the MMM forum unsuccessfully trying to organize a meet and gre...
by Veiled
Sun Apr 01, 2018 3:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Hello again all STL bogleheads! I've sent another flurry of PMs, but for those who are just joining us, we're trying to arrange a meet-up in May. Looks like the best date/time will be Sunday 5/6 in the early afternoon. I'm trying to aim broadly central (i.e. vaguely at I-64 (40) and I-170). Post or ...
by Veiled
Sun Mar 25, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 8101

Re: What Budget? Do you keep one?

I have a detailed budget in Google Sheets, but I'm starting to realize that it's not as important since I've learned to live below my means, etc. I expect I'll keep budgeting, since I expect my income and expenses will be volatile in the next one or two decades. But I can understand how, eventually,...
by Veiled
Sun Mar 25, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Need Help Solving A House Smell Mystery
Replies: 46
Views: 4376

Re: Need Help Solving A House Smell Mystery

PTF. I read this thread and the epic noise in the attic thread and I realize that houses are just about as complicated as computers. :shock: Hoping I can learn a little as this situation evolves.
by Veiled
Sun Mar 25, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: 5/24 rule for rewards credit cards - bunching applications
Replies: 31
Views: 3357

Re: 5/24 rule for rewards credit cards - bunching applications

In my experience Chase rarely instantly approves business applications. Just let it ride and don't call in. There is a good chance it will be approved but it could take up to a month to work its way through their systems (or it could approved tomorrow). I'd also suggest this. Both of my Inks were 3...
by Veiled
Sun Mar 25, 2018 12:12 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 136
Views: 12278

Re: What have you baked recently?

I just wolfed down the last of a loaf of banana bread. I have used the recipe from Cooking for Engineers for over a decade and I love it! This loaf I accidentally set the oven to 250* F instead of my usual 350*, and it was even softer and more scrumptious than usual.
by Veiled
Sat Mar 24, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 31
Views: 2796

Re: Student Loan Repayment

I second, third, or fourth everyone's advice to refinance. I used Laurel Road last fall for my student debt.
by Veiled
Fri Mar 23, 2018 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

Not to co-opt any efforts here (PM me if something get's organized and I'll try to come), but there's a ChooseFI St. Louis Facebook group and we've had a couple of meetups in the last few months. That’s great, drg02b! I do have a Facebook and listen to ChooseFI, but not everyone might. Still, the s...
by Veiled
Tue Mar 20, 2018 2:24 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

I've sent a lot of PMs but just in case people are also watching the thread:

We're currently looking at May 5 or May 6, and we haven't nailed down a time yet. If either of those days is better/worse/doesn't work/does work, please PM or post. I'm excited!
by Veiled
Sun Mar 18, 2018 4:28 am
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

I still follow this thread. Hope everyone's doing well. I'd be interested. Just checking in. Did anything ever come of the potential St. Louis area meet-up? Was a local chapter established? I wanted to arrange a meet-up but then work swallowed the past two months. I tried to PM multiple people and ...
by Veiled
Thu Dec 21, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 5697

Re: Just downsized at age 60...input appreciated

livesoft wrote:
Fri Dec 02, 2016 2:36 pm
There is a bogleheads wiki article with a full and clear explanation that has been crafted carefully to answer those exact questions:
https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by Veiled
Thu Dec 21, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 19164

Re: Chromebooks- What is the lure?

Chromebooks will get squeezed out as laptops and pads get smarter faster and less expensive. In fact desktops and laptops will also be obsolete. The endpoint of current PC technology is ultimately going to be a largish phone that can function as a pad, tablet and desktop - wirelessly connecting to ...
by Veiled
Wed Dec 20, 2017 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 5697

Re: Downsized at age 60. Input appreciated.

OP, I'm sorry to hear about your surprise retirement, but encouraged by your good spirits and willingness to move forward into good investing habits. Leaving behind expensive managers and not letting your 900k cash drag you down are wonderful ideas to help the largest part of your money work for you...
by Veiled
Wed Dec 20, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 19164

Re: Chromebooks- What is the lure?

Chromebooks will get squeezed out as laptops and pads get smarter faster and less expensive. In fact desktops and laptops will also be obsolete. The endpoint of current PC technology is ultimately going to be a largish phone that can function as a pad, tablet and desktop - wirelessly connecting to ...
by Veiled
Wed Dec 20, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Question re: Funeral
Replies: 18
Views: 2356

Re: Question re: Funeral

I was under the impression that GoFundMe takes a cut of the contributions. To avoid a reduction in the donated amount, what about setting up an account at a local bank to accept donations instead (presuming that the bank doesn't charge any fees or takes a cut of the money too)? GoFundMe does take a...
by Veiled
Wed Dec 20, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10554

Re: How much do you spend on food per month, per person?

$160/person/month. Aldi for the win!
by Veiled
Wed Dec 20, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1297

Re: Selling an out of print book

I briefly worked as a rare books librarian before starting my real job. Abebooks.com is another site for out of print books, but focuses more on rare books (doesn't sound like your 2011 medical text exactly fits the bill). I have sold through Alibris and Abebooks as well as Amazon, and all take thei...
by Veiled
Wed Dec 20, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Is it worth investing with 15% LTCG tax rate!?
Replies: 25
Views: 2978

Re: Is it worth investing with 15% LTCG tax rate!?

We have The Bogleheads' Guide to Investing, The Bogleheads' Guide to Retirement Planning, and The Bogleheads' Guide to the Three-Fund Portfolio (coming in 2018). How about The Bogleheads' Guide to Taxes - are there any potential authors on this forum that come to mind? :D I second this vehemently. ...
by Veiled
Tue Dec 19, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 13015

Re: Help Me Cash Out My Bitcoin!

As I understand it, this is part of the reason cryptocurrencies (or at least bitcoin) will inevitably depreciate. why would this cause it to depreciate? If anything, wouldn't less of an available supply of bitcoins cause prices to increase? This was explained upthread by Tal and tadamsmar. Inflatio...
by Veiled
Mon Dec 18, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: The M in STEM -- Math Activities for Elementary Kids
Replies: 11
Views: 1359

Re: The M in STEM -- Math Activities for Elementary Kids

DoTheMath wrote:
Sun Dec 17, 2017 8:24 pm
Another good topic is Hexaflexagons: http://vihart.com/how-to-make-a-hexaflexagon/
I love Vihart. While we're on the topic of YouTube to get kids interested, try Tadashi's toys.
by Veiled
Mon Dec 18, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 13015

Re: Help Me Cash Out My Bitcoin!

As I understand it, this is part of the reason cryptocurrencies (or at least bitcoin) will inevitably depreciate.
by Veiled
Sat Dec 16, 2017 11:32 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 28
Views: 3072

Re: Thank you Admins

I've been impressed with how the etiquette on this forum has made me want to read more and post less and to really think about what I'm posting. It's edifying to see the hard work of the mods to maintain this culture. Thanks!
by Veiled
Sat Dec 16, 2017 11:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 70
Views: 10152

Re: St Louis Bogleheads

BUMP. We should all get coffee. PM me or post. Just checking in. Did anything ever come of the potential St. Louis area meet-up? Was a local chapter established? Chindsey I'm also checking this thread periodically. Hopefully Larry will post about another talk in the near future. I'm lurking if there...
by Veiled
Sat Dec 16, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 19164

Re: Chromebooks- What is the lure?

I have an Acer chromebook. The lure for me was price for a primary computer (mine was $120) that doesn't have what I don't need. I don't need local storage (have a work desktop for work software and an external hard drive for archives, I had already migrated most of my work to Drive) and I don't nee...
by Veiled
Sat Dec 16, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 11764

Re: Uber vs Ambulance - HUGE cost difference

I also see "emergency" triage patients brought in because of outpatient concerns. Huge strain on the healthcare system and not usually the patient's fault, usually just the result of ignorance of the system. When I take triage calls I tell patients to take a taxi and they get offended, explaining th...
by Veiled
Tue Dec 12, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 66
Views: 4357

Re: Automated Market Timing

In a way, it doesn't matter that much. I'm not as interested in which market timing tool is the most accurate. I'm interested in whether BH would ever consider automatically adjusting their AA. I think it could be justified on Boglehead principles provided that the strategy was written into your IP...
by Veiled
Tue Dec 12, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 2052

Re: prudent buying a refurbished laptop?

Also typing on a refurbished chromebook. No complaints yet. I was careful to look at reviews of the computers I shopped for. Never buy lower than grade B.
by Veiled
Tue Dec 12, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 66
Views: 4357

Re: Automated Market Timing

The appropriate way to have lower risk and a smoother ride is to set your equity allocation appropriately. That is a matter of opinion, not 'gospel'. Could you elaborate please? Having 50% bonds instead of 20% bonds would lead to a portfolio with much lower volatility and drawdowns. This is fact. H...
by Veiled
Tue Dec 12, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 66
Views: 4357

Re: Automated Market Timing

Uncle Scrooge, you brought Christmas early. Reading your post brought me a lightbulb moment about "smoother rides" and "higher returns." I feel you may be over-complicating the situation. Just have a higher allocation to bonds, and maybe international large cap stocks (which are currently cheaper th...
by Veiled
Tue Dec 12, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 8645

Re: Dad Needs Help Buying Wedding Liquor

That should be one interesting wedding with a 5 hour open bar and then the wedding. Hopefully the bride and groom remember their lines and most certainly no driving afterwards. "After-party" I believe was meant to be one word. As in "the party after the bride and groom are gone and the bar is close...
by Veiled
Tue Dec 12, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5558

Re: Best solution for digitizing documents?

I use an HP printer/scanner and the JotNot app.
by Veiled
Tue Dec 12, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Prosper
Replies: 12
Views: 2092

Re: Prosper

I have, but once the stock market recovered, I let the loans pay off and put it back in stocks. I made almost 12% APR, which was great in 2009. but the stock market did better once it straightened out, and isn't nearly so much work. Selecting and investing was very time consuming. Once they welcome...
by Veiled
Tue Dec 12, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 199
Views: 28867

Re: Buying and Spending Bitcoin

This is a fabulous thread...entertaining and so informative. Forgive my ignorance on monetary policy, but can the Federal Reserve come up with a cryptocurrency? In other words, can they decide one day that they will substitute the dollar for their own cryptocurrency? In Europe many countries were sw...
by Veiled
Tue Dec 12, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: Prosper
Replies: 12
Views: 2092

Re: Prosper

I have, but once the stock market recovered, I let the loans pay off and put it back in stocks. I made almost 12% APR, which was great in 2009. but the stock market did better once it straightened out, and isn't nearly so much work. Selecting and investing was very time consuming. Once they welcome...