Search found 39 matches

by SevenBridgesRoad
Fri Oct 19, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 6
Views: 664

Re: Set it and forget it

"Nobody buys a farm based on whether they think it's going to rain next year; they buy it because they think it's a good investment over 10 or 20 years." Warren Buffett "Don't just do something, stand there!" Jack Bogle You'll be a better investor when you forget about your investments, providing y...
by SevenBridgesRoad
Thu Oct 18, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 321
Views: 45145

Re: Good Modern Science Fiction

Many of these are already named by others, but repetition tells us something. ("Wool" trilogy is mentioned a lot for good reason.) These vary from easier-to-read SF (sometimes you need some pure fun! Scalzi, Martha Wells, others) to more challenging (such as Robinson, well worth it). Many of these a...
by SevenBridgesRoad
Tue Oct 16, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Boglehead student, advice for 65 year old Retiring Father
Replies: 30
Views: 2785

Re: 30 y/o Boglehead student, advice for 65 year old Retiring Father

You are a good son for trying to steer your father in a better direction. You're getting some good ideas here. A couple of additional thoughts: 1) I get concerned whenever we essentially talk people into doing something. Your dad considers stocks as gambling. You may be able to talk him into buying ...
by SevenBridgesRoad
Sat Oct 13, 2018 1:55 am
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 38
Views: 2488

Re: Lost Power for 24 hours - what food to toss?

Liability and fear mongering. The reason why you have food poisoning so easily is exactly over protection (probably we can add here asthma and allergies too). Agree 100%. We have been literally eating soil, mixed with excrement, raw muscle meat, raw organs, etc. for millions of years. People honest...
by SevenBridgesRoad
Thu Oct 11, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551500

Re: U.S. stocks in freefall

bighatnohorse wrote:
Thu Oct 11, 2018 6:18 pm
I just check our annuities. . .no change. . . still kicking out the same old percentage.
+1 8-)
by SevenBridgesRoad
Thu Oct 11, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1223

Re: How important is it that dentist is member of ADA?

Not important. The ADA is a trade association, not a certifying body in a position to determine quality of a dentist. Other factors are far more important. Think about what you want from your dentist and go about your search just as your are (asking friends, etc.) Reasons a dentist might not join th...
by SevenBridgesRoad
Wed Oct 10, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1808

Re: Route-66 trip recommendations

Europeans: don't fall for it! There are much better road trips in the US! I grew up in a "Route 66 town" in Oklahoma. Okay, we have a cool, old concrete Blue Whale on the Route. But that's about it. See Chicago and Lake Michigan! See Santa Fe and Taos! See Boston! See Colorado Springs, Denver and As...
by SevenBridgesRoad
Mon Oct 08, 2018 12:19 am
Forum: Forum Issues and Administration
Topic: 10 years - thank you forum admins and posters
Replies: 4
Views: 629

Re: 10 years - thank you forum admins and posters

I likewise credit this forum as one of four "voices" which helped me get my act together, plan, and actually retire two weeks ago, comfortably and safety at age 61. The four: 1) The book "Die Broke": changed my thinking about debt, paying cash, spending inheritance while still alive, and annuities a...
by SevenBridgesRoad
Sun Oct 07, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 185
Views: 9266

Re: Alan Roth doesn't like single premium annuities

I agree...the initial reaction surprised me too. But enough folks weighed in (myself, HomerJ, the Doobies, others) to say annuities are just alright with me. OK, maybe not the Doobies... 8-)
by SevenBridgesRoad
Sun Oct 07, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: "Retirement age uncertainty increases the savings needed for success"
Replies: 46
Views: 4067

Re: "Retirement age uncertainty increases the savings needed for success"

I'm average then. Just made it. Retired two weeks ago at...61. 62nd birthday next week.
by SevenBridgesRoad
Sat Oct 06, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 185
Views: 9266

Re: Alan Roth doesn't like single premium annuities

HomerJ wrote:
Fri Oct 05, 2018 10:51 pm
Dottie57 wrote:
Fri Oct 05, 2018 5:38 pm
SPIA is a longevity insurance. It can give a floor to provide for needed expenses. To help with inflation buy annuities a different times of life. 70, 80, 85. Don’t spend all of the money on annuities.
Yes, that's a good way to use it too..

Basically create yourself a pension.
+1
by SevenBridgesRoad
Sat Oct 06, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 185
Views: 9266

Re: Alan Roth doesn't like single premium annuities

Apparently everyone hates annuities. Some guy named Ken Fisher hates them. And now Alan Roth hates them too. SPIAs can be part of Plan A. Nobody should chuck all their savings into a SPIA, but they can make sense as part of a plan. Annuities have at least three advantages: 1) Lifetime Income: It is ...
by SevenBridgesRoad
Thu Oct 04, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Charles Murray's and Jordan Peterson's book
Replies: 17
Views: 1323

Re: Charles Murray's and Jordan Peterson's book

Just finished Peterson's book. Good read and I recommend it to those who enjoy deep dives into interesting human behavior. Self-help? Yes, I guess, but way too superficial of a description. If I were trying to shelf this book, it would not be in the self-help section. While Peterson does describe b...
by SevenBridgesRoad
Thu Oct 04, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Charles Murray's and Jordan Peterson's book
Replies: 17
Views: 1323

Re: Charles Murray's and Jordan Peterson's book

Just finished Peterson's book. Good read and I recommend it to those who enjoy deep dives into interesting human behavior. Self-help? Yes, I guess, but way too superficial of a description. If I were trying to shelf this book, it would not be in the self-help section. While Peterson does describe be...
by SevenBridgesRoad
Mon Oct 01, 2018 8:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 308
Views: 43352

Re: Roll Call for the Retirement Class of 2018!

OK, where do I pick up my diploma? After years and years of planning and more than nine-months notice to my organization, finally, Friday was my last day at work! Wow. And as cool as Friday was, on Saturday I noticed I wasn't getting that vague tight feeling in my gut and shoulders, anticipating Mon...
by SevenBridgesRoad
Thu Sep 27, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10633

Re: SEC charges Musk with Fraud!!!

Sometimes the company founders are really talented in ideas, but that doesn't necessarily mean they will be good executives to run the company. Musk is incredibly talented, but seems to lack common sense at times frequently. He is a bit of a loose cannon. Broken Man 1999 He's Tony Stark / Iron man.
by SevenBridgesRoad
Thu Sep 27, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4300

Re: Should I have my new garage floor coated with Epoxy?

Our garage floor was professionally epoxied by the builder. We love it. It literally makes the garage feel warmer in the winter. And we abuse our garage floor in two ways. 1) We live in a hard snowy winter town. The epoxy sealant plus under-car mats from Costco help protect the floor from the snow a...
by SevenBridgesRoad
Tue Sep 25, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4354

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

MindBogler wrote:
Tue Sep 25, 2018 9:34 pm
What stigma? I've been shaving my head for a decade and I work in a professional setting. It's never been an issue and it sure makes the morning routine easier. If you shave your hair and then grow a beard that's about as good as it gets!

:beer
I agree...I did the grow a beard thing too!
by SevenBridgesRoad
Tue Sep 25, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4354

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

Yep, shaved my head about five years ago and have never regretted it. My wife supported the try. Never went back to hair. I did it at the beginning of a week off from work, just to kind of get used to it myself before returning to work. It was news at work of course, but everyone liked it. (Apparent...
by SevenBridgesRoad
Wed Sep 19, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 3951

Re: Reverse Mortgages - Pros, Cons

FA put together spreadsheet with our assets, expenses, expected life expectancy. To achieve the standard of living we wanted in retirement, he had to use a reverse mortgage. FA is a fee only advisor and we have depended on him for > 35 years. FA advises ex CEOs, pilots, doctors, etc. Hedoesn’t need...
by SevenBridgesRoad
Wed Sep 19, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4102

Re: “Majority of working-age Americans have no retirement savings”

It's often interesting to look behind the curtain at the organizations publishing such information. A quick glance at the National Institute on Retirement Security shows they are a Washington D.C. lobbying group funded mostly by state government retirement systems. I would view their published stud...
by SevenBridgesRoad
Wed Sep 19, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4102

Re: “Majority of working-age Americans have no retirement savings”

It's often interesting to look behind the curtain at the organizations publishing such information. A quick glance at the National Institute on Retirement Security shows they are a Washington D.C. lobbying group funded mostly by state government retirement systems. I would view their published study...
by SevenBridgesRoad
Mon Sep 17, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4286

Re: Subaru Forester - ready to buy

Congrats! Well done.
by SevenBridgesRoad
Sun Sep 16, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4286

Re: Subaru Forester - ready to buy

From the Subaru website: for both engines, they specify the same fuel: unleaded gasoline at 87 octane. The 6-cyl does not require more expensive fuel. Thanks for the correction. I was inadvertently referring to the Forester, for which the Turbo model does recommend high-octane gas. From my owners m...
by SevenBridgesRoad
Sun Sep 16, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4286

Re: Subaru Forester - ready to buy

Stats: 4-cyl horsepower 175, the 6-cyl HP 256. Acceleration: 4-cyl 0-60 in 9.4 secs, the 6-cyl in 6.9 seconds. Not even close. Trade off of course is less fuel efficiency and more expensive purchase price. Since this is Bogleheads, it seems reasonable to consider miles per dollar as operating costs...
by SevenBridgesRoad
Sun Sep 16, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4286

Re: Subaru Forester - ready to buy

We looked hard at both the Forrester and the Outback. My wife and I kayak at least once a week during the summer, so the roof rack was important. The Outback comes with a slick rack system. And, the Outback is not quite as tall and makes it easier for us to load the 43 pound kayaks. So that made th...
by SevenBridgesRoad
Fri Sep 14, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6677

Re: Job burnout - Keep grinding or change?

The bigger problem may be that if you retire or do anything to lower your income, your wife may feel the economic pinch and be very unhappy, and that is not a good thing and can be much worse and more insidious than work stress. (I speak from personal experiences for myself and many others I know w...
by SevenBridgesRoad
Thu Sep 13, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for a small HSA
Replies: 9
Views: 823

Re: Best place for a small HSA

I'll add my vote for Lively.com. Have moved one old HSA there and once I retire end of this month, I'll transfer the current employer one as well. Very easy process.
by SevenBridgesRoad
Thu Sep 13, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 53
Views: 5173

Re: Ray Dalio’s latest fearmongering round

maybe I'm a little dense this morning, but what unfunded pensions and health care liabilities is he talking about that would require federal intervention? (I get that many states are underfunded, but what does that have to do with US bonds? You're not dense, but I think this is what he means, using...
by SevenBridgesRoad
Thu Sep 13, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4286

Re: Subaru Forester - ready to buy

We looked hard at both the Forrester and the Outback. My wife and I kayak at least once a week during the summer, so the roof rack was important. The Outback comes with a slick rack system. And, the Outback is not quite as tall and makes it easier for us to load the 43 pound kayaks. So that made the...
by SevenBridgesRoad
Thu Sep 13, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4547

Re: WSJ print edition renwal time - any discounts?

Subscribed to WSJ for many years. One year I tried to negotiate a discount at renewal. No dice. It bugged me they offered new customers a substantial discount, but long-time loyal customers had to pay full price. Then I used my son's college student discount rate for years. Significant discount. He ...
by SevenBridgesRoad
Sat Sep 08, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8513

Re: Can Sneakers go with Business Casual?

No... Absolutely not. More than a faux pas. Just no. Can you elaborate the No response a little bit please. I mean what will happen if I do it? I am asking because I want a clearer understanding of the implication or the consequence. What would happen? Well, let's take this to the logical extreme. ...
by SevenBridgesRoad
Sat Sep 08, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8513

Re: Can Sneakers go with Business Casual?

My first reaction is no. I'm not sure "who" gets to decide fashion acceptability. A quick Google search shows a pretty well-established norm around no sneakers. A reasonable article on business casual norms: https://www.businessinsider.com/what-business-casual-really-means-2014-8 So, my second and f...
by SevenBridgesRoad
Tue Aug 28, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11999

Re: How do you 7 figure guys organize multiple accounts?

Just one more data point, not that much different. Well into a seven figure portfolio. In my current year leading up to retirement (30 days from now, not early by most measures here, at age 62) mostly have consolidated at Vanguard, moving towards just four funds (the usual suspects, yes including in...
by SevenBridgesRoad
Thu Aug 23, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3055

Re: Healthcare Careers

I'll not add much new to the conversation, but maybe from a different perspective. I'm currently the CEO of a large multi specialty group and have been the chief physician executive in two large hospital systems. First, I have reason to believe RNs will have no trouble finding jobs for the foreseeab...
by SevenBridgesRoad
Fri Aug 17, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 29
Views: 1528

Re: What to do in Seattle around Christmas?

We need to get real. A three and a half year old will be the focus of your vacation and there's nothing special about Seattle for a 3 1/2 year old, no matter the season. Don't get me wrong, we love, love Seattle. Even in the winter. We've lived in Washington on the Olympic Peninsula and would take t...
by SevenBridgesRoad
Sun Aug 12, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 6522

Re: how much car can we afford?

The world seems to be divided into car people and non car people. I have friends who truly get enjoyment out of their sexier cars. I know others who insist on driving old pickups until they rust out and die (the truck, not the owner). In my case, I value high-reliability (I hate the whole car failin...
by SevenBridgesRoad
Sat Jul 07, 2018 11:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 308
Views: 43352

Re: Roll Call for the Retirement Class of 2018!

Somewhat late-comer to enroll in Class Of 2018. Hopefully not too late to be included! FI last year but needed to stay on and help complete the acquisition of company (Responsibility gene); and now deeply involved with the integration of the company with the acquirer. All is going very well, actual...
by SevenBridgesRoad
Sat Jul 07, 2018 12:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 308
Views: 43352

Re: Roll Call for the Retirement Class of 2018!

Somewhat late-comer to enroll in Class Of 2018. Hopefully not too late to be included! FI last year but needed to stay on and help complete the acquisition of company (Responsibility gene); and now deeply involved with the integration of the company with the acquirer. All is going very well, actuall...