Search found 201 matches

by aspirit
Thu Nov 15, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 48
Views: 4310

Re: Wait, do I need a prenup?

70% divorces is initiated by women. All she needs to do is get bored with you. 60 years is a damn long time. People change. You don't want to comingle your accounts and gamble all your hard work taken away. You don't gamble in stocks, you don't gamble in marriage. No one is getting married thinking...
by aspirit
Wed Nov 14, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 35
Views: 1359

Re: Understanding the difference in cell phone OS types

I do not have a smart phone of any sort. I do have an iPad that I use mainly as an e-reader, for a few games, and occasional web browsing. I rarely use it for texting (Google Voice) or email (Hotmail). I am still in mind to acquire a phone in the near-ish future, so deciding on OS is a step in that...
by aspirit
Mon Nov 12, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1338

Re: Running in the cold rain

Waterproof Gore-tex products are only able to repel water whilst their DWR (or 'Durable Water Repellent') coating is working. All waterproof jackets, including Gore-Tex jackets, rely on a Durable Water Repellent finish in order to keep you dry. ..(grangers is one). Next, once the garment has been wa...
by aspirit
Fri Nov 09, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 1595

Re: Best Finance/Stock Market Films

FWIW: There are numerous threads in BH.org history w/similar financial film genre's offerings you might want to research in the top right bogleheads site:google search box. One outstanding movie I've rarely seen in these threads and imo is exceptional is called *''Ghost Exchange'' :thumbsup on AMZN ...
by aspirit
Wed Nov 07, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3043

Re: Anyone here retire in two homes

As with any housing commitment renting something initially for a season or two offers many otherwise overlooked factors, bargains & insights. :happy Good luck!
by aspirit
Wed Nov 07, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 3954

Re: 426% return if there is a recession in 2019?

Independent George wrote:
Wed Nov 07, 2018 9:02 pm
So, this is basically a proposition bet for eggheads?
:thumbsup + AnimalSpirits
by aspirit
Wed Nov 07, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10504

Re: This man can predict when bubbles burst: time to time the market?

Many people get famous for predicting a major market event. Once. Bingo. This reminds me of Alan Greenspan's famous 'irrational exuberance' talk back in 1996. He was sort of right, but his timeline was four years off, and even during the financial crisis of 2008-2009, the market never returned to 1...
by aspirit
Wed Nov 07, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10504

Re: This man can predict when bubbles burst: time to time the market?

Many people get famous for predicting a major market event. Once. Bingo. This reminds me of Alan Greenspan's famous 'irrational exuberance' talk back in 1996. He was sort of right, but his timeline was four years off, and even during the financial crisis of 2008-2009, the market never returned to 1...
by aspirit
Tue Nov 06, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4653

Re: E. Jones/Vanguard and now Fisher Investments

I am age 75, no spouse, retired and have a portfolio of about $1.3 million 95% of which is with Edward Jones. This year I expect my EJ "fees and charges" to be about $14,500. With EJ, I have five accounts including an IRA and a Roth IRA plus one annuity which has a CDSC (Contingent Deferred Sales C...
by aspirit
Tue Nov 06, 2018 4:45 am
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3468

Re: Investments with zero yield

In another post, somebody was hollering about wanting high dividend yield, because they think that's the way to supercharged investment returns. (Or something like that.) My question is exactly 180 degrees from that. Does anybody know of some kind of mutual fund/ ETF / UIT / Grantor Trust that pays...
by aspirit
Mon Nov 05, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12655

Re: Are we in trouble?

I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspective. Outside perspective? (IMO) You've purchased more house than you can afford! Twice! Good luck! a 1.2 mil house on 370k of income is hardly unaffordable. In your estim...
by aspirit
Mon Nov 05, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12655

Re: Are we in trouble?

I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspective. Outside perspective? (IMO) You've purchased more house than you can afford! Twice! Sounds like the last housing downturn. There have been many you know, research it....
by aspirit
Mon Nov 05, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2619

Re: estate Documents

Nolo's "101 Law Forms" (templates actually) for personal use might work. :happy
by aspirit
Sun Nov 04, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: Collateralized Loan Obligations
Replies: 11
Views: 821

Re: Collateralized Loan Obligations

Yes, a standard observation suggests history does not repeat itself, but it does rhyme. :wink:
by aspirit
Sun Nov 04, 2018 6:36 am
Forum: Investing - Theory, News & General
Topic: Buffett Repurchases More Than $900 Million of Stock: is the stock market overpriced?
Replies: 10
Views: 2823

Re: Buffett Repurchases More Than $900 Million of Stock: is the stock market overpriced?

BRK has made some individual international purchases of distressed equites restructuring. https://www.usatoday.com/story/money/2018/05/16/warren-buffett-berkshire-hathaway-buys-apple-teva/614613002/ I'm referring to TEVA. Israels G.E of generic pharma/pharma /and medical devices. I'm not sure where ...
by aspirit
Sat Nov 03, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 50
Views: 4497

Re: My Grandmother has 80% stocks

...84 year olds are not traveling the world or buying new cars so doubtful she is going to outlive her money. Good luck. A few on this board might disagree with you. :x Gill I've a good pal @84,85, I forget, he still works PT for MA:D.O.T, works out daily, & buys new cars every couple yrs. Yes, he'...
by aspirit
Fri Nov 02, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Florida transportation between coasts
Replies: 17
Views: 1183

Re: Florida transportation between coasts

Gill wrote:
Fri Nov 02, 2018 3:20 pm
Car rentals are by far the least expensive and the most convenient. May be able to rent one for $30 a day or so.
Gill
You might check Enterprise. Sometimes theres $29.99 from Fri@3-5pm to their Monday's opening bell@ 8a.m w/a 100mi limit, plus fuel. That was in the last 2yrs. Good luck!
by aspirit
Fri Nov 02, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2567

Re: What is an "advanced" investor?

Ron Scott wrote:
Fri Nov 02, 2018 9:31 am
In a recent post, someone commented that a particular website was helpful for both BEGINNER AND ADVANCED INVESTORS.

What is an "advanced investor"?
Someone paying higher costs & fee's already, .. :wink: considering financial data.
by aspirit
Fri Nov 02, 2018 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10903

Re: Panic set in... now what?

At the bottom last week, I had a failing of nerve and cashed mostly out mutuals leaving about 15%. So I am down the gains for the year, about 7% in my case. Leading up to this "mistake" I had become obsessed and stressed with the daily market gyrations. I will be 67 in a few months and newly retire...
by aspirit
Thu Nov 01, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Thanksgiving vacation suggestions
Replies: 9
Views: 1229

Re: Thanksgiving vacation suggestions

livesoft wrote:
Wed Oct 31, 2018 9:12 pm
Drive to Grandma's house.
Never forget Granpaa too! odds are,..on a moneychat board,..he's financed you & yours wellbeing.
by aspirit
Wed Oct 31, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2162

Re: Need New Phone?

550.00 for a hand held internet device many people refer to as phones?
Thanks but no thx! :happy Good luck!
by aspirit
Mon Oct 29, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: What's the Problem with Broker Advice? It's not Advice.
Replies: 16
Views: 2072

Re: What's the Problem with Broker Advice? It's not Advice.

My hat's off to you again Rick! I recall your move selling your operation. My suspicion was that your operations business model and fees structure was viewed as threatening to other behemoth sized brokerage operations higher fee's and such. So they* purchased the Portfolio solutions unable to keep ...
by aspirit
Mon Oct 29, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: What's the Problem with Broker Advice? It's not Advice.
Replies: 16
Views: 2072

Re: What's the Problem with Broker Advice? It's not Advice.

My hat's off to you again Rick! I recall your move selling your operation. My suspicion was that your operations business model and fees structure was viewed as threatening to other behemoth sized brokerage operations higher fee's and such. So they* purchased the Portfolio solutions unable to keep y...
by aspirit
Sun Oct 28, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 4894

Re: Are you too wealthy for a LIQUID emergency fund?

I have no EF. Theres bonds, cash, and instant liquidity w/a CC for the unexpected.
No, i'm not to wealthy for a EF, I just see no need for it. :happy
by aspirit
Sun Oct 28, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 3991

Re: What A Deal! [Affordable Care Act policy costs]

Cpadave wrote:
Sun Oct 28, 2018 10:07 am
Our cheapest option for 2019 is now 19K for family of 4. It was 17K in 2018. They really need to fix this problem.
Isn't it wonderful though that some families of 4 get health insurance for free.
I too see this as unreasonable & unsustainable, particularly if the population grasps the inequity.
by aspirit
Wed Oct 24, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the 4% rule
Replies: 27
Views: 2425

Re: Question about the 4% rule

Shhhhh..vpw.. :oops:
by aspirit
Mon Oct 22, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: "Investing versus debt pay-off?"
Replies: 31
Views: 1970

Re: "Investing versus debt pay-off?"

As usual a great point by JD, obviously endorsed by TL. Many despise debt, many more pay interest carrying it, ask any financial services actuary. :mrgreen:
by aspirit
Sun Oct 21, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: “The Worst Kind of Bear Market”
Replies: 23
Views: 4666

Re: “The Worst Kind of Bear Market”

That's essentially what economist John Maynard Keynes meant when he said, “The market can stay irrational longer than you can stay solvent.” A bear can live for decades. Irrational is up/down/flat.
Plan accordingly.
by aspirit
Sat Oct 20, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 16541

Re: Total Bond Market Fund - interest rates rising!

So I've seen plenty of people here and in the media warn about bond funds "crashing" when interest rates rise. Just because I was curious, I checked Total Bond Market Index Fund since 12/14/2016 to today. Why did I pick 12/14/2016? Because the Fed raised interest rates 0.25% on that day. In fact, i...
by aspirit
Sat Oct 20, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 16541

Re: Total Bond Market Fund - interest rates rising!

So I've seen plenty of people here and in the media warn about bond funds "crashing" when interest rates rise. Just because I was curious, I checked Total Bond Market Index Fund since 12/14/2016 to today. Why did I pick 12/14/2016? Because the Fed raised interest rates 0.25% on that day. In fact, i...
by aspirit
Sat Oct 20, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Fiduciary using funds with a front load?
Replies: 25
Views: 2236

Re: Fiduciary using funds with a front load?

Reading above you're being played* by this individual. He cannot talk for a week till his "commissions" are irreversibly set in stone, and he plays you for $more$. Become sheered before the slaughter or not, it is your decision. the mystery deepens. He is unavailable to talk until next week so I ask...
by aspirit
Fri Oct 19, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3017

Re: Selling to CarMax if maintenance lights on?

[post removed by admin LadyGeek]
So you know these get stored in the vehicles computers history, deleted/or erased, or erased-x2, there still recoverable in its history w/the right prompting. afaik.
by aspirit
Fri Oct 19, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 23
Views: 3569

Re: Can you include this in a will?

If you don’t want heirs fighting over your will, can you add a condition that any one who challenges it, forfeits their bequest? My view cedes to bsteiner's of course. YES, yes you can. You can additionally NAME individuals you want no part of receiving anything, nada, zippo, or,... $1.01 so they g...
by aspirit
Fri Oct 19, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: "Bogle: Optimum Returns Come From Staying the Course
Replies: 2
Views: 727

Re: "Bogle: Optimum Returns Come From Staying the Course

Thanks for the link TL.
His wit, intuition and mind seems that of a 30yr. old.
That reinforces my renewed thinking that a-lot of recovery (his heart operation) is facilitated by ones mental might & strengths.
Good luck!
by aspirit
Fri Oct 19, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3017

Re: Selling to CarMax if maintenance lights on?

I haven't been able to find an answer to my question on the internet and so I thought I would call on the Bogleheads brain trust. I have a 2007 Honda Civic with 125,000 miles. Kelly Bluebook private party price is about 4,000, but there is some damage to the back bumper, which is why I'm just tryin...
by aspirit
Fri Oct 19, 2018 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Fiduciary using funds with a front load?
Replies: 25
Views: 2236

Re: Fiduciary using funds with a front load?

Unless you address it it will continue. How in the world can anyone give their savings to someone*claiming to be a fiduciary without those papers reviewed by an independent 3rd party accountant or atty. ? If she signed it away I'd suggest you point it out, you might make a stink and get it back,...t...
by aspirit
Thu Oct 18, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30186

Re: High End Wrist Watches (Gone Crazy)

. . . That $9.95 Timex Star Trek watch from 1977 that I have keeps better time than the $42,000 ALS I had. My $54 G-Shock is linked to an atomic time reference and is spot on all the time. I didn't buy the high end watches to keep better time. Does anybody really know what time it is? - Robert Lamm...
by aspirit
Thu Oct 18, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 38
Views: 2006

Re: Health Care Options for 26 year old

-deleted- Good luck!
by aspirit
Sun Oct 14, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 902

Re: Recommendation for an ergonomic chair (staples)

One extreme online offering is here; https://www.amazon.com/Drakon-Raidmax-709-Gaming-Orange/dp/B07523Y1CC/ref=asc_df_B07523Y1CC/?tag=hyprod-20&linkCode=df0&hvadid=216742969400&hvpos=1o6&hvnetw=g&hvrand=18211651708819824510&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9001965&hvtargid...
by aspirit
Sun Oct 14, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Cassaday & Co. (Financial Advisors)?
Replies: 12
Views: 1037

Re: Cassaday & Co. (Financial Advisors)?

Curious whether or not any Bogleheads have had first-hand experience with Cassaday. They seem to be mainly focused on clients in Virginia/DC. I ask because a friend has recently signed on with them after being a DIY investor. He speaks very highly of them. From their web site it looks like an AUM t...
by aspirit
Sun Oct 14, 2018 5:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1198

Re: Vanguard does not recognize my restricted computer

I limit my Vanguard access to my desktop computer. Tonight I cannot log in, I get a message that I have restricted access to a single device and Vanguard does not recognize my device. I’m hoping this is just some Saturday night glitch. :shock: I heard last week its a new 'device' recognition set-up...
by aspirit
Sat Oct 13, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2814

Re: Does Timing Matter? 3 Fund Portfolio

Hi Matt: I also understood most 3 fund portfolio strategy suggestions to suggest that bond asset allocations percentages should closely mirror ones age,......and risk appetite. Along with Taylor's further description and explanation of his understanding of it and the many other replies you've receiv...
by aspirit
Fri Oct 12, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2799

Re: TV recommendation for my father

I applaud your efforts. I suspect the simpler the set up & remote the better. I extensively researched newer tv's about 3-5 yrs back. A 120/refresh rate was selected & optimum then, I'd suspect you want to research the best available today, 240, maybe? Samsung/Vizio were two of the top selections. T...
by aspirit
Mon Oct 08, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078181

Re: What Movie Have You Recently Watched?

Netflix's 'Once upon a time in America' (84) Director Sergio Leone's epic crime drama of the rise of ethnically organized crime factions blossoming as to be recognized in the 1929 crash era. I found it quite realistic watching its characters age in the movie timeline set initially in the 30's to fi...
by aspirit
Sun Oct 07, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7985

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

Ref: https://vimeo.com/channels/bogleheads/293765659 (Bogleheads 2018 fireside chat) To me this is simpler. I recently told my rep @ Fidelity exactly what I'm about to say here. Fidelity for a long time ignored changes in the market. Eventually they responded...principally as it became a competitiv...
by aspirit
Sat Oct 06, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12906

Re: What purchase saved you the most money?

Without a doubt: New England Journal of Medicine Lifetime Subscription. When I was in training NEJM was very cheap (somewhere around $20 yearly). Then, sometime about 1976 they offered a "lifetime subscription" for a one time charge of $300. I thought it rather pricey at the time, and the offer was...
by aspirit
Sat Oct 06, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4825

Re: Sellers remorse - selling business

Having had a hand in /owned 100% to 33.333% of a few satellite co's servicing and marketing services, labor & inventory to Mega Corp., when all was said and done, not one operation had transferable or a marketable value to sell. Unless your "operation" has a :wink: moat, its value is suspect to me.j...
by aspirit
Fri Oct 05, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting money
Replies: 11
Views: 2021

Re: Inheriting money

livesoft wrote:
Fri Oct 05, 2018 6:58 pm
I would not tell anyone at EJ that I inherited any money. Period.
:wink: or anyone else :wink: shssssssssssssssssssssssssssssssss........