Search found 695 matches

by topper1296
Fri Jul 31, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8495

Re: How long to keep a car

I have kept my previous cars for about 10 years before trading for a new one. My current car is a 2015, so I plan on keeping it until at least 2025. It might even even longer since I'm now working from home and it is looking like that will be a permanent option for me moving forward (or at least par...
by topper1296
Thu Jul 30, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 206
Views: 14945

Re: Gardening 2020

I may have a problem with my bell pepper plants. The plants themselves have grown a lot, but I only have one pepper growing between both plants. :( I've had an issue with something eating the leaves, but the plant is still growing. Could whatever it is eating the leaves also has eaten what would ha...
by topper1296
Thu Jul 30, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 206
Views: 14945

Re: Gardening 2020

I may have a problem with my bell pepper plants. The plants themselves have grown a lot, but I only have one pepper growing between both plants. :( I've had an issue with something eating the leaves, but the plant is still growing. Could whatever it is eating the leaves also has eaten what would hav...
by topper1296
Wed Jul 29, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Avoid picking mushy/overripe watermelons
Replies: 17
Views: 1081

Re: Avoid picking mushy/overripe watermelons

Not sure of a good way to explain on here, but I "knock" on mine and listen to it when I pick mine out and I don't have any issues. I learned this from my mother and grandmother decades ago and have learned what to listen after having experience doing it. Probably not the most scientific way, but wo...
by topper1296
Wed Jul 29, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 49
Views: 28971

Re: Mice in my grill

I'm the OP of this question and I completely forgot about this thread. :D I haven't had any further issues and I'm still using the same Weber grill. :sharebeer Please let me know what action you ultimately took. Thank you. I did a deep cleaning of my grill and bought some rodent repellent at Lowe's...
by topper1296
Wed Jul 29, 2020 7:26 am
Forum: Investing - Theory, News & General
Topic: Permanent Portfolio in a low interest environment
Replies: 32
Views: 4208

Re: Permanent Portfolio in a low interest environment

GRP wrote:
Fri Jul 10, 2020 6:50 am
Yes, do please join us at www.gyroscopicinvesting.com!

We serve gyros in the lounge! 😊
Thanks for the link. Personally, 25% each in gold and cash is too high for me, but I will check out the site. I do have both gold and cash (outside of my emergency fund), but at a much lower allocation.
by topper1296
Wed Jul 29, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 49
Views: 28971

Re: Mice in my grill

I'm the OP of this question and I completely forgot about this thread. :D I haven't had any further issues and I'm still using the same Weber grill. :sharebeer
by topper1296
Tue Jul 28, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: Buy, sell, or hold my Microsoft shares? [Hypothetical situation]
Replies: 36
Views: 2526

Re: Buy, sell, or hold my Microsoft shares? [Hypothetical situation]

I bought some MSFT towards the March lows and sold after making almost 50% in just a few months. I'd consider buying it back on the next material pullback.

disclosure: mainly indexed, but have been investing in individual stocks for about 20-25 years now.
by topper1296
Tue Jul 28, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: "Beware the Hype on Gold"
Replies: 170
Views: 12350

Re: "Beware the Hype on Gold"

I think that gold has a place as part of a well diversified portfolio and as "portfolio insurance".

disclosure: 2% allocation in a gold ETF and own some silver coins.
by topper1296
Mon Jul 27, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 289
Views: 32917

Re: What is your overall portfolio weighted expense ratio

topper1296 wrote:
Fri Sep 20, 2019 10:10 am
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
Jul 2020 check up and going down. Currently at 0.08%. :beer
by topper1296
Mon Jul 27, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Bank temporary closed - safety deposit box
Replies: 48
Views: 3301

Re: Bank temporary closed - safety deposit box

Sorry for the delay, but quick follow up here. I contacted the bank and I can make an appointment to be able to access the deposit box. The reason I was wanting into my box is not an "emergency situation" so I have NOT contacted them for an appointment yet, but it is nice knowing that I can when I ...
by topper1296
Mon Jul 27, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Bank temporary closed - safety deposit box
Replies: 48
Views: 3301

Re: Bank temporary closed - safety deposit box

Sorry for the delay, but quick follow up here. I contacted the bank and I can make an appointment to be able to access the deposit box. The reason I was wanting into my box is not an "emergency situation" so I have NOT contacted them for an appointment yet, but it is nice knowing that I can when I d...
by topper1296
Mon Jul 20, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Steel Framed House VS ?
Replies: 32
Views: 2244

Re: Steel Framed House VS ?

I don''t much about this, but I would feel safer in a steel frame house over a wood frame house during a storm/tornado/hurricane.
by topper1296
Mon Jul 20, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Bank temporary closed - safety deposit box
Replies: 48
Views: 3301

Bank temporary closed - safety deposit box

I have a safety deposit box at a major US based bank and I've had no issues until now. I tried to go today and the branch is temporary closed due to the pandemic. I know these are not "normal times" but I can't get into my deposit box and I will call the bank tomorrow to ask if they know when this b...
by topper1296
Mon Jul 20, 2020 3:07 pm
Forum: Investing - Theory, News & General
Topic: 0.00% Yield on the Vanguard Short-Term Treasury Fund
Replies: 198
Views: 13716

Re: 0.00% Yield on the Vanguard Short-Term Treasury Fund

Glad I've been putting my excess cash into paying down my mortgage early vs trying to chase yield.
by topper1296
Fri Jul 10, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: How to find the right neighborhood (home)?
Replies: 44
Views: 2895

Re: How to find the right neighborhood (home)?

This is a great as I may be buying a new place next spring. The biggest decision I have right now is if I want to sell my current place or rent it out.
by topper1296
Sun Jul 05, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: Spiked Seltzers?
Replies: 46
Views: 3306

Re: Spiked Seltzers?

My girlfriend and most of her friends are fans of the seltzers and I have tried all of the popular brands out there. They would NOT be my first drink of choice (I'm an Old Fashioned drinker), however I was surprised that the Bud Light brand was my favorite.
by topper1296
Fri Jul 03, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5942

Re: New 4K TV: LED, QLED or OLED?

Glad you're happy with your purchase. I bought a LG 4K UHD from Costco a couple months ago and I've been happy with it. My only regret (and it's not huge) is that the TV at the price point I was willing to pay it didn't have an eARC HDMI, it only had ARC HDMI. This becomes a factor if you want to up...
by topper1296
Thu Jul 02, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32169

Re: Really hard to avoid "Keeping up with the Joneses"!

Guess I'm trying to catch up to the Joneses a little. :D It has been around for decades, but I finally bought my first 5.1 surround sound system for my house. Nothing too high end, but bought a Denon receiver and Klipsch speakers (total cost under $1k). Figured I might as well have much improved sou...
by topper1296
Thu Jun 25, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5942

Re: New 4K TV: LED, QLED or OLED?

I recently replaced a 47' Vizio HDTV I had for probably 12 years with a 55' LG 4K LED and I'm happy with it. I do NOT pay up for the latest and greatest when it comes up to tech because even those become obsolete with a relatively short period of time. My new TV is still an upgrade to me even though...
by topper1296
Thu Jun 18, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: GS drops yield on savings account again
Replies: 21
Views: 1573

Re: GS drops yield on savings account again

I've given up on chasing yield with cash and have accepted it as a fact of life now. I'm using excess cash now to accelerate my mortgage payments.
by topper1296
Fri Jun 12, 2020 7:54 am
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16301

Re: Thoughts on today's sell-off?

I haven't read any of the other responses, but I used yesterday to add to one of my individual stocks positions (I'm mainly indexed, but also have individual stocks). I had a 1/2 position in it and filled it out to a full position.
by topper1296
Fri Jun 05, 2020 8:37 am
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22290

Re: Selling 100% stocks on a bounce

I didn't sell everything, but I did tweak my allocation a little to help my "sleep well at night" factor. I reduced REITS from 10% to 5% and int'l from 15% to 10% of my equity allocation. I'm probably going to buying a new home with the next year and will rent out my current one that will be paid fo...
by topper1296
Mon Jun 01, 2020 9:14 pm
Forum: Investing - Theory, News & General
Topic: Should one permanently reduce REITs/RE because of COVID-19?
Replies: 18
Views: 2362

Re: Should one permanently reduce REITs/RE because of COVID-19?

I reduced my REIT allocation from 10% to 5% (VNQ).
by topper1296
Sat May 30, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: How to best utilize my office stipend?
Replies: 8
Views: 1144

Re: How to best utilize my office stipend?

Consider yourself lucky....my company is only giving us $230 for home office equipment/furniture. :oops: And like you, I need to upgrade my old office chair. It's about 15 years old and it keeps falls down since the hydraulic lift in it doesn't work very well anymore.
by topper1296
Wed May 27, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 6335

Re: What will you NOT buy online?

Car, house, produce, meat (ordering from Omaha steaks for example would be an exception) and landscaping/gardening like mulch, veggie plants and flowers.
by topper1296
Tue May 26, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7562

Re: does anyone have a subscription to youtube tv?

Another fan here streaming with Google Fiber using a Roku. My only complaint is that it doesn't tell me what show to watch next if I am trying to watch a series. It doesn't mark the shows I've already watched.
by topper1296
Tue May 26, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4280

Re: Bogleheads: What is your largest single stock holding? (if any)

1. What is your largest single stock holding?

2. What % of your portfolio is in this company?

3. What is your reason for keeping this holding? (capital gain, belief in the company, etc.)


1 - Ecolab (ECL)
2 - ~2.5%
3 - Still believe in the company operating model
by topper1296
Tue May 26, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 93
Views: 7838

Re: Examples of why NOT to hold individual stocks

I'm mainly indexed, but also hold individual stocks since reading annual reports, analyst reports and earnings reports is fun for me (for what it's worth, I have a degree in finance and work in finance for a living). It's not by accident that most of my holding are in the top 10 holding list for low...
by topper1296
Wed May 20, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 60
Views: 4929

Re: what to do about 1000s of dandelions/weeds?

My late grandfather didn't have a yard that big, but he would go out with a vacuum to suck up the seeds before they would spread.
by topper1296
Wed May 20, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20366

Re: What is your most luxury/expensive hobby.

Reserved tailgating spot and season tickets for football and men's basketball at my alma mater and top shelf liquor. And in reference to an infamous thread on here...I also have a $5K watch, but only one. :D
by topper1296
Mon May 18, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148528

Re: Pull-ups and Push-ups

I belong to Planet Fitness and have learned to embrace their workout videos on the PF app from home since the gym is shut down (Nike also has a good app). They have some videos with equipment, but I'm doing the body weight only routines for now (the only equipment you may want is a mat). One of my f...
by topper1296
Sun May 17, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 7915

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

One of things I'm doing with the low rates is paying down my mortgage at a faster clip. My emergency fund is good, so why have excess cash sitting in an account earning 0.01% when I can pay down my mortgage at 3.375%?
by topper1296
Fri May 15, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56993

Re: How to get Toilet Paper ? seriously.

I went to my local Kroger today for food and the TP aisle was fully stocked. Haven't seen that in a couple months.
by topper1296
Sat May 09, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10716

Re: A bond rule of thumb better than "age in bonds"

I'm all for rules of thumb as a starting point. Personally, I'm using 60% x age = bond alloc (using total bond as my core with a tilt to short/inter term treasuries). I was using 80% at one point, but with bonds yields so low, I revised it.
by topper1296
Sat May 09, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: 2007 to 2020: The changing advice of "A Random Walk Down Wall Street"
Replies: 68
Views: 11119

Re: 2007 to 2020: The changing advice of "A Random Walk Down Wall Street"

Thank you for compiling this information. I recently picked up the new edition and will starting reading it shortly.

On a side note, a friend of mine recently sent me an original edition he found from 1973 and the price listed on it says $7.95.
by topper1296
Thu May 07, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 206
Views: 14945

Re: Gardening 2020

I'm another trying my hand at gardening with a limited space (have a small patio area in a townhouse community). I'm planting bell pepper and zucchini in the ground and may try some spinach if I have room. Also I bought a 3 tier planter on wheels for herbs (I'll bring this inside in the winter) to g...
by topper1296
Mon Apr 27, 2020 7:43 pm
Forum: Investing - Theory, News & General
Topic: Where to put cash?
Replies: 15
Views: 2049

Re: Where to put cash?

Yields are low everywhere and I don't think it is worth chasing. I'm paying extra principle on my mortgage with my excess cash right now and I've just accepted that my emergency fund will earn next to nothing for a while.
by topper1296
Wed Apr 22, 2020 11:05 pm
Forum: Investing - Theory, News & General
Topic: Has your AA Changed recently?
Replies: 12
Views: 675

Re: Has your AA Changed recently?

Nothing major, but I decreased my allocation to int'l by 5% and to REITS by 5%.
by topper1296
Mon Apr 20, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit and Vegetables
Replies: 30
Views: 1927

Re: Growing Fruit and Vegetables

Timely thread as I am wanting to plant bell peppers, zucchini, basil and rosemary. My drawback is that I don't have a lot of space in my patio, but I will grow the herbs in a pot and then bring inside for the winter.
by topper1296
Fri Apr 17, 2020 7:37 pm
Forum: Personal Investments
Topic: Are Index Funds bad investment during these situations ?
Replies: 31
Views: 2540

Re: Are Index Funds bad investment during these situations ?

I think index funds should be the core but actively managed funds can have a place in a portfolio. Just watch the expense ratios with the active funds. I'm sure that many people even on this board would agree that Wellington as one example is a good active fund.
by topper1296
Wed Apr 15, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 64
Views: 7240

Re: Preparing for 25% tariff on Scotch

JBeck wrote:
Fri Oct 18, 2019 9:44 am
Buy American, i.e., switch to bourbon :beer
I went to college in KY and currently live in TN, so I support this. :sharebeer

Personally, I'm a fan of the Old Fashioned.
by topper1296
Wed Apr 15, 2020 9:21 pm
Forum: Investing - Theory, News & General
Topic: Worried about the future of REITs
Replies: 62
Views: 4687

Re: Worried about the future of REITs

I reduced my REIT exposure from 10% to 5% and increased my bond exposure keeping credit quality high and duration short.
by topper1296
Tue Mar 31, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6643

Re: What's worth paying more for?

Socks that are made specifically for the right and left foot. Kitchen knives - Wusthof automatic Swiss watch - Omega Charmin TP. the cheap stuff shreds when you go to tear off a piece. Underwear made with bamboo fiber high quality cut and properly aged steak extra legroom when flying (I'm 6'4) good ...
by topper1296
Tue Mar 24, 2020 11:39 pm
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 13206

Re: 2020 COVID Crash Lessons

Don't think there is any new here that someone else didn't bring up, but here are mine. 1- Prefer mutual funds over ETFs, but will continue to use some ETF's. 2- Have my age x 60% for my bond allocation. Will bump that to age x 80%. Yes, I know bonds are expensive right now and will gradually increa...
by topper1296
Wed Mar 18, 2020 11:24 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26355

Re: How much you lost/gain since Feb 20,2020 ?

Down six figures with about 35% in bonds and cash at age 46.
by topper1296
Mon Mar 16, 2020 11:23 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 123
Views: 9823

Re: What Individual stocks are you buying?

I'm mainly indexed, but I currently have 17 positions (had 23 positions at my height, but want to keep below 20 moving forward since that works well for me). I sold EL, BF/B, MKC, MSFT and HRL at the end of 2019 mainly because of valuation after holding for several years (better to be lucky than goo...
by topper1296
Sun Mar 15, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 7179

Re: Coronavirus Movie Suggestions

I watched Outbreak for about the 10th time yesterday, but it was my girlfriends first time watching it. She liked it.
by topper1296
Tue Mar 10, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 7179

Re: Coronavirus Movie Suggestions

Interesting topic since I was searching around last night and ended up watching "Carriers" from 2009 and it was just okay (it was pretty low budget). I want to watch Contagion.