Search found 610 matches

by topper1296
Tue Jun 04, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8561

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: 87
Views: 8561

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: 760

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: 197
Views: 19926

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: 59
Views: 3255

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: 36
Views: 3686

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: 6827

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: 13795

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: 3550

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: 2832

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: 36
Views: 3686

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: 8917

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: 2599

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: 5012

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: 6475

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: 9882

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: 8131

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: 526

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: 2460

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: 259
Views: 26965

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: 4112

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: 3724

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: 13187

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: 6249

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: 2610

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: 2472

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: 2942

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: 14991

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: 3643

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: 13567

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: 64053

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: 26965

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: 14175

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: 8624

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: 6263

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: 32059

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: 26965

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: 4585

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: 9237

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: 26533

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: 6814

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: Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 71
Views: 6877

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: 7264

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: Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9597

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: 3392

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: 411
Views: 59517

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: 9138

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: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8966

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: 4571

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: 5185

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

Their are fundamentally weighted index funds you could explore.