Search found 591 matches

by topper1296
Thu Jan 17, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 259
Views: 25945

Re: What is your overall portfolio weighted expense ratio

topper1296 wrote:
Sun Sep 30, 2018 12:46 pm
topper1296 wrote:
Sat Feb 25, 2017 8:40 pm
0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
Thanks Jack.
by topper1296
Wed Jan 16, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3905

Re: Any good reason to get a smartwatch?

I have a smart phone, so see no need for a smart watch. Besides I'd take my Omega PO over any watch, smart or not.
by topper1296
Thu Jan 10, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3529

Re: Recommend men's undershirts

Personally, I'd care less about the brand as long as they are slim fit and have about 5% spandex so they keep/hold their shape.
by topper1296
Tue Jan 08, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12658

Re: Recommendations for a 9mm handgun

I'd also suggest a revolver if you want it for home protection. A revolver is just point and shoot with less moving parts and more reliable (six rounds should be fine for protection). You can get a .357 revolver that shoots both .38 special and the high power .357 mag rounds. And of course, go to a ...
by topper1296
Sun Jan 06, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Do you have a fun finance-related hobby?
Replies: 50
Views: 6043

Re: Do you have a fun finance-related hobby?

Not boglehead'ish, however I do have a small allocation to individual stocks and I enjoy reading the annual reports, earnings reports and analyst reports.
by topper1296
Sun Jan 06, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 2320

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

focusedonwhatmatters wrote:
Sun Jan 06, 2019 8:07 pm
https://www.sheex.com

I can only speak toward the Original Performance Sheex series. They stay cool and have lasted years.

I also have Sheex and they do sleep cooler much better than any other sheet I have tried over the years. This is important to me since I "sleep hot".
by topper1296
Sun Jan 06, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2384

Re: How often do you deep clean?

I'm a neat freak by almost any standard and even I don't do anything remotely close to this extreme. This puts my annual "spring cleaning" to shame.
by topper1296
Fri Jan 04, 2019 8:44 am
Forum: Investing - Help with Personal Investments
Topic: BAM Advisor: Advice on alt funds and allocations
Replies: 54
Views: 2628

Re: BAM Advisor: Advice on alt funds and allocations

I checked into adding alternatives to my portfolio at one time and opted to pass due to exp ratios. I did make an except for 10% allocation in a REIT index since the exp ratio was reasonable.
by topper1296
Sat Dec 22, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11871

Re: All the "should I be 100% stocks" threads over the last year.

Didn't Ben Graham advocate that a person should never have less than 25% in bonds?
by topper1296
Mon Dec 17, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-paying mortgage only in early years
Replies: 51
Views: 3557

Re: Pre-paying mortgage only in early years

I've rounded my mortgage payment up to the nearest $100 increment. Works out to be about one extra payment per year on a 15 year loan @ 3.375%.
by topper1296
Fri Dec 07, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Barron's Making the Case for Gold
Replies: 153
Views: 12985

Re: Barron's Making the Case for Gold

I have flipped back and forth on if I want or need a small allocation to gold/other commodity. I understand the case for a small allocation to gold, however gold and other commodities are meant to be traded and not held like stocks, bonds and cash.

And I'm not a trader.
by topper1296
Mon Nov 26, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54749

Re: Name something you had to have and now you regret purchasing it?

A pair of Saucony shoes that were on sale. I've never had a pair of shoes squeak as much as these do. I'm sticking to Nike from here out. I've had many pairs of Nike in the past and they never squeaked on me. Also, undershirts that don't have a bit of spandex in them to hold their shape. My current ...
by topper1296
Sat Nov 17, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 259
Views: 25945

Re: What is your overall portfolio weighted expense ratio

topper1296 wrote:
Sun Sep 30, 2018 12:46 pm
topper1296 wrote:
Sat Feb 25, 2017 8:40 pm
0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
Now down to 0.12 after I switched out of my last actively managed fund (VG ST Investment Grade to VG ST Bond Index).
by topper1296
Sat Nov 10, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 13362

Re: Worth fixing a 30-year-old Maytag dryer?

I recently replaced my old Whirlpool washer (~15 years old) and dryer (~12 years) and have been very happy with my new Maytags. The washer is much quieter and doesn't use as much water and my clothes also dry faster (part of that is because the spin cycle in the new washers are much better).
by topper1296
Wed Nov 07, 2018 12:24 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8311

Re: What's everyone currently in?

Mainly indexed, however also have individual stocks and a managed fund.

Total Stock Index
Int'l Index
Total Bond Index
VG ST Investment Grade Bond
cash
REIT Index
individual stocks
by topper1296
Tue Nov 06, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6120

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

If I wanted to splurge on an auto, I'd skip the German brands and check out Lexus or even Infiniti or Acura for fewer maint costs/headaches down the road.
by topper1296
Fri Oct 19, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30810

Re: High End Wrist Watches (Gone Crazy)

I have owned various watches over the last 20 years or so and I do love nice watches, however I'm not a collector so I only 2. A Casio G-Shock as a "beater" watch and an Omega Seamaster as my everyday watch. I consider my Omega my "dream watch" so I don't see myself doing anymore trading up. One of ...
by topper1296
Sun Sep 30, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 259
Views: 25945

Re: What is your overall portfolio weighted expense ratio

topper1296 wrote:
Sat Feb 25, 2017 8:40 pm
0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
by topper1296
Wed Sep 26, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4468

Re: Anyone ever tired of managing hair and consider shaving to go bald

jehovasfitness wrote:
Wed Sep 26, 2018 5:31 am
Been doing a short buzz cut for about 5 yrs now.

Simple and saves money
This is the route I opted for. I cut it myself once a week and only takes a couple min.

I'm getting thin on top and refuse to become comb over guy. :sharebeer
by topper1296
Thu Sep 20, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8924

Re: Can Sneakers go with Business Casual?

I haven't read all of the other responses, however part of it depends on the industry you work in. I'm in the music industry and wear sneakers most days. Yesterday, our CEO was wearing shorts and Converse shoes.
by topper1296
Wed Sep 19, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26013

Re: What is your single most expensive mistake?

Starting on a graduate degree that I never finished.
by topper1296
Wed Sep 12, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6755

Re: Hurricane Florence - survival guide

Make sure your prescriptions/medications are filled up enough to last a while.

Stay safe out there.
by topper1296
Wed Sep 12, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 66
Views: 5337

Re: Fidelity, Schwab, or Vanguard

I've been with all 3 for many years and all are good, however when it comes to customer services Schwab is one of the best I've ever dealt with.
by topper1296
Thu Aug 16, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7127

Re: Men’s Underwear recommendation

Finridge wrote:
Thu Aug 16, 2018 1:14 am
After years of exclusively using 100% cotton or cotton/polyester blends, I've discovered the superiority of 100% synthetic. Try it, you might like it...
I switched to bamboo fabric and love it.
by topper1296
Thu Jul 19, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9386

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

I haven't read all of the other responses, however why not find a "middle ground"? Maybe sell 80% of it to put in a total stock market index and keep the rest.
by topper1296
Tue Jul 17, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3291

Re: Would you pay $120 for a 5 year dishwasher warranty?

Generally speaking, no on "small ticket" items and maybe on "big ticket" items for peace of mind. I did pay for an extended warranty when I bought a brand new car below dealer invoice after they knocked the warranty price down by a 1/3.
by topper1296
Mon Jul 09, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58181

Re: That Extravagant Thing You Do

I chimed in earlier in this thread, but I'm adding to my list. I recently bought an Omega Seamaster Planet Ocean watch and a set of Sheex bed sheets for the master bedroom.
by topper1296
Wed Jul 04, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8980

Re: Any Boglehead powerlifters?

Planet fitness. I am not a power lifter but I am getting ripped with almost a 6 pack at 42. I do higher reps around 10 to 15 on bench press and other free weights. More of the definition typre rather than bulk. Similar story here going for definition over bulk. I have noticed (and some of my co-wor...
by topper1296
Sun Jul 01, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8733

Re: What % of your equity is int’l?

25-30% of equities including both developed and EM.

On a side note, the only int'l bond exposure I have is through a VG Target Retirement fund which works out to ~1% of my total portfolio in int'l bonds.
by topper1296
Thu Jun 28, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4464

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

I haven't had a land line for almost 10 years now and haven't missed it at all.
by topper1296
Wed Jun 27, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 5073

Re: Is there a way to avoid bad companies in S&P 500?

Their are fundamentally weighted index funds you could explore.
by topper1296
Sat Jun 23, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22553

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

On a side note, I've always thought this is an important physiological milestone, however it doesn't mean much in the grand scheme of things. Does hitting $1m actually cause biological or physical effects, and if so what are the most prevalent body functions effected? Or maybe you meant psychologic...
by topper1296
Sat Jun 23, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22553

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

I'm getting close, excluding some big crash or unexpected emergency, I'm predicting about 1 year give or take 6 months. It reminds me of looking at the clock near the end of class. The first portion seems to have went by quickly, and now at the very end it feels like time is slowing down. I can't w...
by topper1296
Tue Jun 05, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 10
Views: 2263

Re: weighted blankets

You can search for "gravity blankets" on Amazon. It seems that it should weight about 10% of your body weight. I'm interested in hearing from others that have tried one.
by topper1296
Sun Jun 03, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54749

Re: Name something you had to have and now you regret purchasing it?

McDonalds KCups. The coffee is awful. At least is was a pretty cheap regret.
by topper1296
Fri Jun 01, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 4035

Re: Sherwin Williams paint

I've used paint from SW and PPG. Both are great products.
by topper1296
Thu May 31, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18914

$5

I once took a bourbon tasting class and my one take away from the instructor was to never pay more than ~$50 for a bottle of bourbon. Up to $50 can be justified in taste and quality, however anything above that is paying for marketing.
by topper1296
Wed May 30, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Seeking Alpha pro membership, your thoughts
Replies: 17
Views: 2836

Re: Seeking Alpha pro membership, your thoughts

I enjoy getting news and reading some articles on SA for my small individual stock allocation (I'm mainly indexed), however I'll never pay for pro membership. The biggest advantage that I can see to pro is the ability to read older articles and I don't think that is worth paying for.
by topper1296
Sun May 20, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 276020

Re: Best watch for around $5,000?

I recently traded in my Longines Hydroconquest for a used Omega Seamaster PO and have no regrets. I am a watch fan, however I'm not a watch collector. I have my Omega and a Casio G-Shock. No need (or want) for anything else.
by topper1296
Sun May 20, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 10344

Re: Dave Ramsey it or keep low interest debt

I'd pay off the $38K auto loan and let the rest of it ride as scheduled.
by topper1296
Fri May 18, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or rent first home?
Replies: 9
Views: 858

Re: Sell or rent first home?

I'm in a similar situation and I was all for renting at first, however now I'm leaning towards selling because my monthly gross cash flow would be <$1K/month so I don't think it will be worth it in the end.
by topper1296
Tue May 15, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: consumer staples
Replies: 10
Views: 1336

Re: consumer staples

I'm mainly indexed, however I also have individual stocks which includes a few consumer staple names. I would add more to a couple of them, however I'm already at full positions.
by topper1296
Tue May 15, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 10033

Re: Is there a boglehead muscle car?

Oh, NASCAR runs the Camry. I often see the Camry recommended, so that's it, That must be the Boglehead Muscle Car NSACAR runs a tube frame race car with "Camry" written on it. The name is the only thing the race car has in common with the production car. Agreed. There is nothing that is "stock" in ...
by topper1296
Sat May 12, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 6175

Re: New Car Suggestions: BMW Crapping Out

If you want to stay upscale with better long term maint costs, I'd avoid the German brands and try out Lexus or Acura. I drove an Acura for 10 years and never had any major issues with it other than not enough head room since I'm 6'4. :P
by topper1296
Sat May 12, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 6590

Re: Advice on building a timeless mens wardrobe?

Polo’s. You can wear them to work, or at a bbq Agreed. They are a timeless classic that has been a staple of my wardrobe for decades. I'm 44 now and have always been lean looking (6'4 205lbs) and I have several polo shirts I've been wearing for probably 12-15 years and they still look great. I do t...
by topper1296
Sat May 05, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26063

Re: most compelling TV character ever

Can't pick one.....
Jack Bauer - 24
George Costanza - Seinfeld
Dr Mark Green - ER
Cam - Modern Family
Stewie Griffin - Family Guy
Carrie Mathison - Homeland
Howard Cosell - sports broadcaster
Niles Crane - Fraizer
Harvey Spector - Suits
by topper1296
Sat May 05, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Attending shareholder meetings?
Replies: 4
Views: 593

Attending shareholder meetings?

I'm sitting here drinking my morning coffee while listening to the Berkshire Annual shareholders meeting and was wondering about attending shareholder meetings. I have several individual positions and some of the meetings would probably be pretty dry (like a water utility, no pun intended), however ...
by topper1296
Wed May 02, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 12462

Re: Have you quit eating sugar? Tell me how!

I'm all about moderation. I've cut back on "unhealthy" foods over the years, however life it too short to completely deprive yourself all guilty pleasures. I understand having a good quality of life, however one can eat nothing buy the healthiest foods your entire life and get the perfect amount of ...
by topper1296
Tue Apr 24, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 38
Views: 3459

Re: How do you stop junk mail?

I'll have to spend some time on the sites in this thread. I've opt'd out as much as I can with junk mail and credit card offers, however I still receive more junk mail than I want. I do shred all of the credit card offers and just throw out the rest of it.