Search found 283 matches

by aspirit
Mon Jan 21, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 153
Views: 13142

Re: What non fiction book will you be reading in 2018?

:dollar "The Billion dollar Whale" :dollar By Tom Wright & Brad Hope- true story & I just started it, it seems well put together. "You steal some money, you get put in jail, you steal a few billion they make you king" some reviewer quoted.
by aspirit
Sun Jan 20, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 70
Views: 3651

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

STrap, I'd suggest commercially copied or actual armed services provisional attire. Rothco, & Propper, are 2 .gov full attire contractors. They come in many fabrics, light cotton, heavy cotton, cotton-poly, etc. There made for various body types, long trunk-short legs, short trunk-long legs, etc. Th...
by aspirit
Sat Jan 19, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 39
Views: 22326

Re: Stressless Recliners

Other info from the board viewtopic.php?t=173340

Research PC-8500z, https://www.amazon.com/Human-Touch-Perf ... B015TXEWSI
They can be found markedly less.
Same type chairs.
There are many types.
Good luck!
by aspirit
Sat Jan 19, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Zero Gravity Chairs
Replies: 7
Views: 807

Re: Zero Gravity Chairs

viewtopic.php?t=129070

Many selections have strengths and weaknesses.

Portable? You mean "beach type configuration?" I think there are many similar ones.
by aspirit
Sat Jan 19, 2019 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 15990

Re: Why are you NOT buying rental properties?

The last R.E I was considering buying and selling a couple yrs. back was in MA, about 15mi SEast of BOS in the "hills" but on main st. also, (5) buildable acres and a livable ranch structure. All for 141k. Many I see on here succumb to R.E's nation wide outrageous asking prices. I cannot justify it....
by aspirit
Sat Jan 19, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: FIL diagnosed with Alzheimers/Dementia at age 55 -- any advice for financial help?
Replies: 8
Views: 1116

Re: FIL diagnosed with Alzheimers/Dementia at age 55 -- any advice for financial help?

SSDI a federal insurance option w/qualifications & SSI a state insurance option has numerous guidelines & limits.
Good Luck!
by aspirit
Fri Jan 18, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term disablity insurance?
Replies: 6
Views: 527

Re: Long-term disablity insurance?

Research SSDI/SSI ~
Good Luck!
by aspirit
Fri Jan 18, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1809

Re: Importance of college summer internships??

Internships? Going to school summers after HS is less costly than conventional schooling. College has become an 'experience' parents usually dread. Its usually a lighter workload for participants and takes less time & resembles the real world offerings if ones entering the workforce FT. Want childre...
by aspirit
Fri Jan 18, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 2624

Re: NJ EZ-Pass Why a monthly service fee?

If the publics response of protest was similar to TOLLS as it was weeds legalization they'ed be no tolls. Compliance breeds acceptance. In 1979-80 tolls in MIA, I forget the exact ones, but iirc, they were not paid in a number of lower social economic areas. Every auto except tourist did not pay. H...
by aspirit
Fri Jan 18, 2019 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)
Replies: 12
Views: 743

Re: PRHSX vs VHT

Hello Bogleheads, I am trying to choose between PRHSX and VHT. Which strikes you as a better choice? Any suggestions are appreciated. I know what VHT is being neurotic I looked it up. A VG HC sector fund as ETF? There are numerous ones as you well know. Why not start w/lowest ER? These must be diff...
by aspirit
Fri Jan 18, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 2624

Re: NJ EZ-Pass Why a monthly service fee?

If the publics response of protest was similar to TOLLS as it was weeds legalization they'ed be no tolls. Compliance breeds acceptance. In 1979-80 tolls in MIA, I forget the exact ones, but iirc, they were not paid in a number of lower social economic areas. Every auto except tourist did not pay. He...
by aspirit
Thu Jan 17, 2019 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: would appreciate your thoughts
Replies: 22
Views: 1741

Re: would appreciate your thoughts

:happy thoughts?
Paying for a Childs wedding is usually a cultural leaning. I'd suspect the child would put the funds to better use, what do you think. Your call, probably best to inquire. Theres no replay right.
by aspirit
Thu Jan 17, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 53
Views: 3962

Re: Paying "cash" for auto - possibly w regular credit card?

We bought a Acura MDX for $33k with credit cards. The trick was swiping in multiple transactions. I think we ended up spreading it across 4-5 cards. It probably earned us $500 (1.5%) and cost them $800-$1k (2.5%). How did the dealership allow this? And how did "multiple transactions" make a differe...
by aspirit
Thu Jan 17, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 9981

Re: Tributes to Jack Bogle

I saw the all knowing all seeing 'cnbc' mention him yesterday afternoon also. /shrug/ https://www.cnbc.com/video/2019/01/16/v ... at-89.html
by aspirit
Thu Jan 17, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 43
Views: 11624

Re: Jack Bogle's Obituary From The Family

THIS "While some mutual fund founders chose to make billions, he chose to make a difference."

8-) This is why JBogle accomplished the reputation and legacy he's has. He had his own set of rules.
by aspirit
Wed Jan 16, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11111

Re: Have I Now Become Out of Touch Financially? Aging question...

A pal purchased Amazons Whole Foods option in store. A pre-packed, 1 day old, 3 slices of processed turkey w/usual Lett/Tom on cran/rye bread sandwich. 9.99/10.63w tax. + $2.39 for 18.0z tall plastic water container. :annoyed Luckily I see food staples stable. The "latte" factor is in full force. Go...
by aspirit
Wed Jan 16, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 851
Views: 44231

Re: John Bogle has died at age 89

I'd thought this would be :dollar STICKIED :dollar on top of GD for a few days anyway. I mean, this is JB. We would not be exchanging pragmatic and beyond banter outside of his actions and offerings or enjoying low fees for decades if not for JB. Do you think most well known custodians (Fido, Shwab,...
by aspirit
Wed Jan 16, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110462

Re: [What TV Show Have You Recently Watched?]

NEW (afaik) PBS- Frontline : South Florida affordable housing providers scam. Dax, Carlyle development. Biggest criminal sentence was one middle aged person w/5 yrs for stealing 34M. Then individuals have the state pay for higher education while in prison if younger,.....no debt.... :? hmmmm...
by aspirit
Wed Jan 16, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 851
Views: 44231

Re: John Bogle is dead at 89

Thank you sir, For Vanguard! Your a contrarian of many colors & mega proportions establishing Vanguard to help others help themselves. You fought wall street, and WON!. As well as opened up its facade for many. Best wishes to the animalspirits of "JACK"
by aspirit
Tue Jan 15, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102570

Re: What Movie Have You Recently Watched?

LadyGeek wrote:
Tue Jan 15, 2019 9:58 pm
FYI - Shows (series) can be posted here: [What TV Show Have You Recently Watched?]
Thx..:thumbsup :D
by aspirit
Tue Jan 15, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5895

Re: Furloughed Fed Employee - How to make best use of time

Hank Paulsons working resume read .gov, to GSachs, to .Gov(resolve 70s airline crisis),to GSachs, to .Gov(resolve 09s Housing crisis), so transferring can be considered. winkwink :wink: Aim high!
by aspirit
Tue Jan 15, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102570

Re: What Movie Have You Recently Watched?

NETFLIX:A Users Guide to cheating death , 12 episodes.
From vitamin and hormonal treatments, to spiritual mindfulness. /shrug/ 80% of offerings are debatable, not scientific fact. A 200B marketplace.
by aspirit
Tue Jan 15, 2019 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Help with Simple Real Estate Transaction
Replies: 9
Views: 695

Re: Help with Simple Real Estate Transaction

You might go to the counties registry of deeds to research the properties facts, property lines, particulars and surroundings buying from family and all. You can read the properties recorded history. Whats that saying? “It ain’t what you don’t know that gets you into trouble. It’s what you know for ...
by aspirit
Mon Jan 14, 2019 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: I'm the noobiest noob
Replies: 16
Views: 1392

Re: I'm the noobiest noob

I guess you have to start somewhere so I am. I grew up poor and with no direction on this stuff. I've done things like getting out of debt (except a very modest mortgage) and I got my wife and I out of the cult we grew up in too. Few people I've ever known invested with the world about to end any d...
by aspirit
Mon Jan 14, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help my wife buy a new car (gift tax implications?)
Replies: 15
Views: 1949

Re: Best way to help my wife buy a new car (gift tax implications?)

Its the car or F.I.R.E sweetie,.. not both damit:P
Good Luck!
by aspirit
Sun Jan 13, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1519

Re: What deductible for Comprehensive and Collision Insurance?

I have $2500 deductible at Geico which I believe is the maximum they offer. Gill What Gill posted plus FWIW LIMITED collision covers you 100% if collision is under < 50% your fault in most states, and costs pennies on the dollar compared to all out collision. Its all odds as you well know. Many aut...
by aspirit
Fri Jan 11, 2019 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11257

Re: Biggest Investment Mistake

RJC wrote:
Fri Jan 11, 2019 8:40 pm
Good Listener wrote:
Fri Jan 11, 2019 6:22 pm
The second marriage. :oops:
:shock:
:P The first marriage went well then eh?
by aspirit
Fri Jan 11, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1290

Re: Dental work - possibly going elsewhere

Thats the new paradigm. An oral wellness treatment plan vs., a cavity/whatnot/ being stabilized & repaired. Many teaching hospitals/dental schools treat patients with the latest and greatest for modest financial costs. If you have the time, and costs, they will address it. Your call. Good luck! If ...
by aspirit
Fri Jan 11, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5533

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Yes, a neighbor had 12 kids. He had a beach wagon.
The current shock, horror, nannying and call the cops if one sees kids under 25 walking unaccompanied to school was non-existant decades back.
(roll-eyes smiley) :thumbsup
by aspirit
Fri Jan 11, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 26
Views: 1456

Re: Geico auto - used parts??

My spouse and I have used the "family" insurance broker for our entire 20 year relationship. As we have narrowed our focus on achieving our retirement goals, one of the things on my list to do was stop paying so much for insurance. SO, I started with our car. I changed the car insurance to Geico fo...
by aspirit
Fri Jan 11, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1290

Re: Dental work - possibly going elsewhere

Thats the new paradigm. An oral wellness treatment plan vs., a cavity/whatnot/ being stabilized & repaired.
Many teaching hospitals/dental schools treat patients with the latest and greatest for modest financial costs. If you have the time, and costs, they will address it. Your call.
Good luck!
by aspirit
Thu Jan 10, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

It helps to visualize what you chew up in your mouth, swallowed in your stomach.Try it. ugg :thumbsup

Diet is enhanced by raising BP w/ running or swimming early in am and later in evening. jmho
by aspirit
Wed Jan 09, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102570

Re: What Movie Have You Recently Watched?

NETFLIX :The Resistance Bankers an international film by Lureson I suspect many interested in finance will like it. A tale of the Dutch, Netherlands, Germanic economic instability in the 40s. :happy AMAZON: prime : Cancer can be killed: by Jeff Witzeman :happy Amazon: prime : Neuroscience : Underst...
by aspirit
Tue Jan 08, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8413

Re: More Nanny State From Vanguard

...could someone with a Fidelity account and a little bit of nerve try to buy EQWS, carrying it up to the actual "buy" button and say for sure whether you can buy EQWS at Fidelity? Gives me an error: "Error:(DB0002) This security is restricted from online opening trades or restricted to closing tra...
by aspirit
Tue Jan 08, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12658

Re: Recommendations for a 9mm handgun

Should you buy a 9mm-revolver or a 9mm-semi-auto ? I'd suggest you get both . :happy

I've always preferred Rugers P-series for their quality & pricing.
by aspirit
Mon Jan 07, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102570

Re: What Movie Have You Recently Watched?

Netflix: Mechanism a financial-banking-underworlds economy- 7 part series.
by aspirit
Mon Jan 07, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4773

Re: For those retired a few years

After eight years of retirement we are spending much less than we could or would like for two reasons. 1. Medical problems with one spouse put an end to all traveling and most entertaining for both. 2. We are unable to spend our wealth on premium medical care. It's just not available. All providers...
by aspirit
Sun Jan 06, 2019 4:38 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5977

Re: How do you view a savings surplus in retirement?

Taylor Larimore recently mentioned he had a COL health care treatment cost increase of 600k last yr. He expects that cost to rise annually. Luckily he's covered. You might experience health challenges TimeLord and need expensive medical cares funding. Will you have adequate insurance since you only ...
by aspirit
Sun Jan 06, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 142
Views: 6610

Re: 2019 Hedge Fund Contest

Thx for the 'gaming' set-up. The Bank of The Americas' value hedge fund. Our slogan is "You can trust us with yours, we'll do ya' right! LONG: GE AMD SHORT: CMG =will modify AA before cutoff, If not finished before cutoff whatever's there is fine. =I guess thats it, see the enormous effort The Bank ...
by aspirit
Sat Jan 05, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102570

Re: What Movie Have You Recently Watched?

Amazon: its curiosity* stream level offerings / "The Brain Fitness Program". Directed by Eli Brown. A Dr. Eagleman "The Brain" PBS / Season 1, w/6 episodes marked 1.99ea./play free w/prime. or Again Amazon prime: "Do you Trust this Computer" A Diamond Docs production by Cris Payne- Conspiracy : The ...
by aspirit
Sat Jan 05, 2019 1:58 am
Forum: Investing - Help with Personal Investments
Topic: Advice for investing a large 2019 short-term capital gain?
Replies: 7
Views: 684

Re: Advice for investing a large 2019 short-term capital gain?

Max out any tax advantaged opportunities you have, and create more if applicatable.Good luck!
by aspirit
Sat Jan 05, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3529

Re: Recommend men's undershirts

Propper/ https://www.propper.com/pack-3-t-shirts.html Or used at secondhand stores. Good luck.
by aspirit
Thu Jan 03, 2019 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Ready to break up with financial advisors (yes, plural)
Replies: 14
Views: 1995

Re: Ready to break up with financial advisors (yes, plural)

Hello – I currently have two financial advisors, one that I chose, and the other I inherited from my parents. I inherited their two IRAs a few years back, after I had already been with my personally selected advisor for a few years. I kept the accounts separated and wanted to compare the advisors’ ...
by aspirit
Tue Jan 01, 2019 7:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8096

Re: My favorite Boglehead posters

:oops: I did not see any mention of a few of my favorite posters from days gone bye. Adrian Neu, imbroglio, and chaz. (I'd suspect both imbro & chaz still visit.) Thx Admin, & mods for all you do. Overlooking the oodles and oodles of investing & financial info and life's minutia & insights many, man...
by aspirit
Tue Jan 01, 2019 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting spousal 401k
Replies: 9
Views: 800

Re: Inheriting spousal 401k

It’s important & foolhearty if she’s not named whilst he’s alive. Named beneficiaries trump all other documents in practice. Good luck!
by aspirit
Sat Dec 29, 2018 3:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102570

Re: What Movie Have You Recently Watched?

CyclingDuo wrote:
Wed Dec 26, 2018 11:25 pm
Just saw Vice.

Enjoyed it immensely.
That and Hank’ about Paulson, both well made.
by aspirit
Fri Dec 28, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How much house can my daughter afford
Replies: 52
Views: 3692

Re: How much house can my daughter afford

I don't understand why so many folks are in such a hurry to buy a house. What is the point of tying up so much of your money in a single asset? Shortly after getting married (3 months), my wife and I purchased our single family home for $77,000 and financed almost all with a VA loan. Today, 40 year...
by aspirit
Thu Dec 27, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be renting forever?
Replies: 44
Views: 3131

Re: Will I be renting forever?

In 2016 US median household income rose to 59k. You two make twice that. Health is paramount. A large % of health factors are based on lifestyle. Good luck!
by aspirit
Wed Dec 26, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 556
Views: 60849

Re: U.S. stocks continue to soar!

Unless i'm mistaken futures suggest otherwise :P