Search found 578 matches

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: 12865

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: 8076

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: 5970

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: 30201

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: 237
Views: 24107

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: 4404

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: 8685

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: 25515

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: 6700

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: 61
Views: 4292

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: 6961

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: 9315

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: 3233

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: 307
Views: 53841

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: 8905

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: 8680

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: 4415

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: 5021

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: 22393

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: 22393

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: 2177

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: 387
Views: 46996

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: 3974

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: 18609

$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: 2570

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: 274744

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: 10172

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: 818

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: 1284

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: 9716

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: 6034

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: 6320

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: 25642

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: 575

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: 12018

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: 3397

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.
by topper1296
Sat Apr 21, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 17200

Re: Is anyone putting money aside into Gold?

I've always held the theory that gold is a bad investment, however it does have some value as "portfolio insurance" so I have no issues with a small allocation of 5-10% in it.
by topper1296
Sat Apr 21, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 33
Views: 2873

Re: Car for 23 year old

I bought a used Acura TL when I was your age and drove it for 10 years with no regrets. It was an upscale car, but less expensive than a used Lexus or BMW and the maintenance cost was also very reasonable.
by topper1296
Sat Apr 21, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 3629

Re: Want to be 100% in stock index funds ,

I'm pretty comfortable with volatility, but, to be honest, I can't see myself feeling comfortable entering retirement without an allocation to bonds. Even now, at age 33, my bond allocation is 15-20%. I'm not saying it won't work out for you, but you wouldn't want to be on the wrong side if things ...
by topper1296
Thu Apr 12, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28219

Re: Anyone Deleting Facebook?

I would delete the FB account I rarely use, however my homeowner's association has a FB group and that is how we communicate with each other. There are also a few living sporting events that I like to watch on there.
by topper1296
Sat Mar 31, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 5430

Re: Tired of gas grills rusting out...

I have an 11 year old Weber and keep covered when not in use in TN. It still looks great and works great including the push button igniter.
by topper1296
Fri Mar 30, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 6928

Re: Should I be worried about the S&P Index fund ?

Perhaps the OP would be more comfortable in a fundamentally weighted index instead of a market cap weighted index. Or at least use a fundamental weighted index as a supplement.
by topper1296
Sat Mar 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: WWYD? Trade Honda CR-V for Lexus RX350?
Replies: 32
Views: 2932

Re: WWYD? Trade Honda CR-V for Lexus RX350?

This sounds more like a boredom issue than a car issue. The only downside I can see is that once you have the Lexus, you won't be satisfied going back to a non-luxury car. So this is sort of the "gateway drug" to higher car costs going forward. This. I went from an Acura to a Subaru over two years ...
by topper1296
Fri Mar 16, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18386

Re: 2018 Forester vs CRV vs RAV4

I don't know how tall the original poster is, however I'm 6'5 and the Forester has some of the best head room I've ever experienced. I have a 2015 Forester and have been very happy with it and have had no issues with it.
by topper1296
Mon Mar 12, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 41
Views: 5084

Re: Duct cleaning

My furnace cannot cope with the heavy duty, expensive filters. It blows the fuse (an expensive sucker) because it can't draw in enough air. The mid-weight 3M filter is as much as we can do. A friend had his furnace replaced. The furnace installer told him not to buy any fancy expensive filters as t...
by topper1296
Sun Mar 11, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Global Revenue Exposure of Your Stock Portfolio?
Replies: 30
Views: 2426

Re: Global Revenue Exposure of Your Stock Portfolio?

Interesting thread. Thanks for updating the info.
by topper1296
Sat Mar 10, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Amount saved by age
Replies: 58
Views: 9239

Re: Amount saved by age

Anybody else on here in a position where they are ahead of schedule based on many "rules of thumb" however you still think you don't have enough?
by topper1296
Tue Mar 06, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: 14yr old son wants to invest
Replies: 20
Views: 1724

Re: 14yr old son wants to invest

Buy one share of a physical stock certificate to frame and hang on the wall in his room and put the rest in an index fund.
by topper1296
Tue Mar 06, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 2233

Re: food safety after power outage

I keep several 1/2 gallon milk jugs filled with water in my freezer to help keep food cold. Also, I took a plastic cup and filled it up about 1/2 way and put it in the freezer. Once frozen, put a quarter on top of the ice as an indicator in case of a power outage.