Search found 625 matches

by topper1296
Sat Nov 02, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 18964

Re: New mattress

I bought a Casper mattress and both wife and I love it. My wife's back doesn't hurt anymore and she has noticed I snore less. You really can't go wrong with them. The price is right and you get to try it for 100 days. If you don't like it they give you a full refund and come pick the mattress up fr...
by topper1296
Fri Oct 11, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5935

Re: Replace water heater just because it's old?

I just replaced mine last month due to it developed a leak after about 13 years. Fortunately, I had it in sitting in a drain pan or it would have caused major damage to my hard wood floors. I also have it on my list to buy a water detector to put in the drain pan that will sound an alarm and/or send...
by topper1296
Wed Sep 25, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 165177

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

I just watched the series finale of Suits on USA after 9 seasons. What an underrated series. Sad to see it go, but it was a great ending. Easily one of the best series finales I've every seen.
by topper1296
Fri Sep 20, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 10664

Re: How hard is it to get into college?

All I'll add to this discussion is I was told a long time ago that what you do with an education is more important than where it comes from.
by topper1296
Fri Sep 20, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 265
Views: 29463

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
Sep 2019 check up and now down to 0.11% :sharebeer
by topper1296
Thu Sep 19, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Help! Bought new car and don't like it
Replies: 37
Views: 6778

Re: Help! Bought new car and don't like it

Count me as another that had buyer's remorse over buying a car. This has been over a period of many years, but I bought two cars at Carmax and then realized I made a mistake and returned both of them. Bought a Saab and owned for a couple days and returned it for an Acura TL that I drove for over 10 ...
by topper1296
Wed Aug 14, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3419

Re: Dishwasher Fiasco

I'm no expert on this, but I'd just hire an electrician to install an outlet. Having an outlet will come in handy if it happens again. I did have a somewhat similar experience once with a microwave. I bought an over the stove unit and paid to have it installed. I specifically asked the employee wher...
by topper1296
Mon Aug 12, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Anyone been to a Kevin O'Leary event???
Replies: 22
Views: 3457

Re: Anyone been to a Kevin O'Leary event???

Check the fine print. I had a cousin that invited me to come with her for one of his events in Nashville and I decided not to go because Mr Wonderful himself was not there and it was only members of his staff.
by topper1296
Thu Jul 11, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 6287

Re: Automatic Watches

My Omega Seamaster automatic loses about 1-2 MINUTES per day. I sent it in to the factory for a tune up/cleaning a few years ago at a cost of $700. It kept better time for a year or two. I now reset it every few days rather than spend the cost of a very nice new watch every few years for a tune up/...
by topper1296
Wed Jul 10, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15576

Re: No more print Money magazine

RE: previous post. Well I did not get my refund as promised in 2-3 weeks. Called the Phone #, just rang busy, no reply via email either. I had just renewed Money and Kiplinger for 3 years each, now Kiplinger said they were extending and did so until 2015. :annoyed I still want my refund for Money $...
by topper1296
Sun Jul 07, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: How warm to set thermostat while away
Replies: 62
Views: 5100

Re: How warm to set thermostat while away

tommy85 wrote:
Sun Jul 07, 2019 8:04 pm
Consumer reports recommends 85F when away.
85 is what I do during the day when I'm at work.
by topper1296
Sun Jul 07, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4590

Re: Is Grass milk worth it?

Not sure why adults are interested in drinking milk. I have no issue with some amount of cheese, yogurt, etc products in our diet, but adults significant drinking quantities of plain milk strikes me as weird/slightly gross. Because water or juice in my cereal just doesn't taste good! Agreed and sin...
by topper1296
Mon Jul 01, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6472

Re: Are you a serious DIYer?

I enjoy doing as much as possible for two reason. 1-it's (usually) a lot cheaper and 2-it gives me a chance to do something completely different from my day job where I sit behind a desk all day.
by topper1296
Mon Jul 01, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22190

Re: Do you share your net worth with family members?

I don't voluntarily give up that information to my family, however I have given vague answers to my family depending on the situation.
by topper1296
Mon Jun 17, 2019 10:30 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 34608

Re: A way to "thank" posts

Personally, I wish there was a way to "track" a thread. Currently, the only way I know is make a comment (even if I don't really have anything to contribute) so I can "view my posts" later.
by topper1296
Tue Jun 04, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15576

Re: No more print Money magazine

topper1296 wrote:
Thu May 30, 2019 7:21 am
I have been a subscriber for about 10 years or so and my subscription ends in Dec and I was NOT planning on renewing anyway.
Update: I just called customer service and cancelled what was left of my subscription for a refund.
by topper1296
Thu May 30, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15576

Re: No more print Money magazine

I have been a subscriber for about 10 years or so and my subscription ends in Dec and I was NOT planning on renewing anyway.
by topper1296
Mon May 27, 2019 11:20 am
Forum: Personal Investments
Topic: Allocation to individual stocks/bonds
Replies: 13
Views: 870

Re: Allocation to individual stocks/bonds

Agreed that ~10% would be reasonable. I'm mainly indexed with zero actively managed funds, however I also have individual stocks and most of them are "household" names that are diversified across several industries. I've been fortunate/lucky to beat the S&P, albeit by only ~2% a year on average over...
by topper1296
Sat May 18, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 248
Views: 28907

Re: Bogle "5% Gold"

This was mentioned briefly in another thread. My take is this: if it's good enough for Bogle, then it's good enough for me. I hold some gold. Physical gold, or gold funds? Bogle did not say in the interview. If one wants to hold gold, why not 50% in physical gold and 50% in an ETF and then use the ...
by topper1296
Thu May 09, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4325

Re: Undergrad major in Economics or Finance?

Finance. I have a BS in finance and have done pretty well with it. And if wanting to pick up a minor, I'd suggest accounting and/or computer science.
by topper1296
Fri May 03, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard randomly not reinvesting dividends
Replies: 37
Views: 4624

Re: Vanguard randomly not reinvesting dividends

Thesaints wrote:
Fri May 03, 2019 1:39 am
So happy I never “upgraded” my account !
I don't know about anybody else, however I did NOT ask for this and was NOT given a choice to keep my account the way it was.
by topper1296
Wed May 01, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 7722

Re: Has anyone down-shifted in their career?

RJC wrote:
Wed May 01, 2019 9:46 am
I haven't down-shifted; however, I am reluctant to take the next step up as it will be a 10% raise for about 50% more responsibility/stress.
This is the boat I'm currently in. Not to say I won't change my mind in the future, but this is my mindset right now.
by topper1296
Sat Apr 27, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 15250

Re: Tequila and Magaritas

I haven't ready all of the other replies, however one of the most important things I ever learned about buying any liquor is buy one in a glass bottle, NOT one in a plastic bottle. Personally, I'm at the stage of my life where I don't drink as much as I used to, but I want high quality stuff when I ...
by topper1296
Sat Apr 27, 2019 10:12 am
Forum: Personal Investments
Topic: The "joy" of owning individual stocks
Replies: 25
Views: 3870

Re: The "joy" of owning individual stocks

I'm mainly indexed, however I also own individual stocks. I've been fortunate to outperform the S&P 500 albeit just by a couple % a year on average. I started doing it over 25 years ago with no regrets. I enjoy it and consider it a hobby. Added bonus that this hobby has worked out better for me fina...
by topper1296
Wed Apr 24, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: “Smart Home” upgrades?
Replies: 30
Views: 3027

Re: “Smart Home” upgrades?

Interesting thread since I'm currently doing research to see if I want to my make my home "smart". I'm looking at a Nest thermostat, Nest smoke detectors and a couple smart switches and smart light bulbs. All I have right now is Alexa that I mainly use for music, weather and random questions. The on...
by topper1296
Tue Apr 02, 2019 10:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard randomly not reinvesting dividends
Replies: 37
Views: 4624

Re: Vanguard randomly not reinvesting dividends

Add me as another that had an issue. I had to call customer service after the ST bond index did not reinvest even though it was set to reinvest.
by topper1296
Sat Mar 30, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 9771

Re: I would like a boat. I also know nothing about boats

I haven't read all of the other responses, however I've been boating for most of my life and have never owned own myself (my parents have one) and never will even though I enjoy being on one. I'd suggest joining a boat club at a local marina and just rent one.
by topper1296
Fri Mar 29, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Want to see a concert! Ideas?
Replies: 50
Views: 2959

Re: Want to see a concert! Ideas?

What genre(s) of music you like listening to. Are you more interested in great vocals or more of a "show" even if he/she/they aren't the best singers, but put on a good performance. Also, you mentioned large venues, however I prefer the small, more intimate venues. The Ryman Auditorium (AKA The Moth...
by topper1296
Thu Mar 14, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 5669

Re: What's Your Opinion on Nest Thermostats

I have an "old school" programmable Honeywell thermostat that I've for about 10 years that is NOT connected to wifi. I've consider getting a Nest, however what happens if your wifi goes out? Can you still adjust the temp manually? Will it still automatically adjust the temp the way you want it when ...
by topper1296
Wed Mar 13, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7861

Re: How many companies have you worked for?

5 since I graduated from college (currently age 45) and I've been with my current employer for over 12 years now. On a side note, I've also been in same home for over 12 years now.
by topper1296
Wed Feb 27, 2019 8:40 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10881

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Interesting thread about a subject I've often been curious about. Going to bookmark this one to read the responses later.
by topper1296
Mon Feb 25, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9257

Re: How often do you and your friends change engine oil?

I follow the owners manual which usually works out to about twice a year.
by topper1296
Fri Feb 08, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Stock Quotes - Downloadable
Replies: 8
Views: 593

Re: Stock Quotes - Downloadable

I download stock prices from Morningstar.
by topper1296
Wed Jan 30, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Is Cirque du Soleil worth it?
Replies: 33
Views: 2813

Re: Is Cirque du Soleil worth it?

I don't know about a 6 year old, however I don't consider myself a show guy by any means and I loved watching Cirque Love (Beatles music) in Vegas.
by topper1296
Thu Jan 17, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 265
Views: 29463

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: 4559

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: 3934

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: 14232

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: 6473

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: 3149

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: 2675

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: Personal Investments
Topic: BAM Advisor: Advice on alt funds and allocations
Replies: 54
Views: 3267

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: 185
Views: 15991

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: 3827

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: 14159

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: 505
Views: 69242

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: 265
Views: 29463

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: 15087

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: 9169

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: 6536

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.