Search found 53 matches

by MostlyABogleHead
Sun Feb 14, 2021 8:55 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1014
Views: 182539

Re: Boglehead Beer

Pliny the Elder from Russian river brewing company and Brother Thelonious beer from North Coast brewing company on special occasions. On a normal day I like craft non-alcoholic beers like Upside Dawn from Athletic brewing company.
by MostlyABogleHead
Thu Feb 04, 2021 8:12 am
Forum: Investing - Theory, News & General
Topic: FOMO and distorted perception caused by following individual stocks
Replies: 21
Views: 1688

Re: FOMO and distorted perception caused by following individual stocks

Watching individual stocks causes FOMO and increases risk of imprudent and impulsive investing. I track a watchlist of stocks on CNBC. As expected, individual stocks dominate the top of the list, which is sorted by the day's performance. Index funds appear in the middle of the list. It's difficult ...
by MostlyABogleHead
Fri Jan 29, 2021 2:24 am
Forum: Investing - Theory, News & General
Topic: The tenets of Bogleheads philosophy
Replies: 26
Views: 1448

Re: The tenets of Bogleheads philosophy

1) Nobody knows nothing 2) The ERP is perennial. Number 1 is a clear logical fallacy. If "nobody knows nothing", then how do we KNOW that "nobody knows nothing"? If true, it applies to us as well. So maybe somebody knows something. Why should we think that Number 2 is true? Firs...
by MostlyABogleHead
Sun Jan 24, 2021 2:09 pm
Forum: Personal Consumer Issues
Topic: Is there a "Bogleheads" for RV's?
Replies: 39
Views: 3512

Re: Is there a "Bogleheads" for RV's?

This video could be useful to know some of the realities of owning an RV/Camper.

https://youtu.be/r-HdBlmTE9o

The channel has a lot more info on the RV and truck recommendations. Hope you find it useful.
by MostlyABogleHead
Fri Dec 18, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 2929

Re: Color laser printer - worth it for intermittent light use?

https://www.costco.com/hp-laserjet-pro-m283cdw-wireless-color-printer.product.100652793.html got this at Costco on sale for $299 a couple months ago...that is cheaper than many ink jet printers and it also scans, faxes, and copies. It's been excellent so far and toner cartridges are still going str...
by MostlyABogleHead
Fri Dec 18, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 2929

Re: Color laser printer - worth it for intermittent light use?

Consider buying a multifunction laser printer and scanner. These can print in duplex mode, has color, connects directly to the network using WiFi and can scan automatically by pulling sheet of a tray. An example of such a printer is https://www.brother-usa.com/products/mfcl3750cdw These are reasonab...
by MostlyABogleHead
Thu Nov 19, 2020 9:33 pm
Forum: Personal Investments
Topic: is Third party advisors active managed portfolio services worth it?
Replies: 23
Views: 1121

Re: is Third party advisors active managed portfolio services worth it?

Why don't you consider dumping that broker and moving your funds to someplace like Vanguard or Fidelity? That is my broker!!! Which one? Fidelity or Vanguard? Regards, Fidelity This is sad. I was not expecting Fidelity to push third party services. The best way to handle this is to tell a polite bu...
by MostlyABogleHead
Tue Nov 17, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Replacing dishwasher...
Replies: 28
Views: 1611

Re: Replacing dishwasher...

+1 for Bosch. The Bosch dishwasher uses less water and is very silent. It works well with soft water. We used to have hard water in our home and we used to see some deposits on the dishes. All problems went away once we had a whole house water softener installed. If your home has hard water, I recom...
by MostlyABogleHead
Wed Nov 11, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 342
Views: 24304

Re: How do YOU make coffee?

After trying many coffee makers and gadgets over the years, I finally settled on Technivorm Moccamaster 59636 KBG after reading a suggestion in this thread. It’s a nice drip coffee machine and brings the best of the coffee flavors. Very happy with the purchase. For coffee, I tried everything from ch...
by MostlyABogleHead
Sat Nov 07, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1752

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

Steelcase 482 Amia is a wonderful chair to consider. https://www.crandalloffice.com/shop/chairs/steelcase/482-amia/remanufactured-steelcase-482-amia-office-chair/ I highly recommend the chair and Crandall office furniture for their service and price. How is the quality of their fabrics? Looks like ...
by MostlyABogleHead
Thu Nov 05, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1752

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

Steelcase 482 Amia is a wonderful chair to consider.

https://www.crandalloffice.com/shop/cha ... ice-chair/

I highly recommend the chair and Crandall office furniture for their service and price.
by MostlyABogleHead
Tue Nov 03, 2020 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Overstretched and under contract for 1.3M house.. should I back out?
Replies: 79
Views: 11178

Re: Overstretched and under contract for 1.3M house.. should I back out?

In HCOL this type of scenario is quite common. You will feel stretched thin for the first year or so. Then you will start feeling comfortable and ultimately you will feel this was a good decision. If you like the area, then my advice is to go for it. I live in a similar location and felt similarly s...
by MostlyABogleHead
Thu Oct 29, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Can openers
Replies: 37
Views: 2407

Re: Can openers

We have a can opener from Oxo Good Grips. OXO Good Grips Soft-Handled Can Opener,Black,None https://www.amazon.com/dp/B00004OCJW/re ... MFbZY5JN59

Very comfortable to use and has been going strong for many years now. I highly recommend the opener and the brand.
by MostlyABogleHead
Tue Oct 27, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Affordable photo storage options for older, frugal, and non-tech-savvy people
Replies: 39
Views: 2502

Re: Affordable photo storage options for older, frugal, and non-tech-savvy people

I recommend Google photos and iCloud. Google photos app is designed very well and the backup is seamless. Paid ICloud account so that the photos are backed for redundancy. Finally, some nice pictures printed and put in an album for memories.
by MostlyABogleHead
Sun Oct 25, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: This synthetic ETF has recently beaten the index it is supposed to track by 7%/yr: should I invest? What's the risk?
Replies: 64
Views: 5365

Re: This ETF is expected to beat the index by nearly 7%: is there a catch?

Well I am not sure that someone invested in that ETF would necessarily complain that the fund manager is incompetent and ask to give that 7%/year back :wink: :D If it’s a tracking difference, a) Why is this not attributed to luck than skill? b) What prevents the tracking difference from reversing? ...
by MostlyABogleHead
Sun Oct 18, 2020 8:56 pm
Forum: Personal Investments
Topic: Recommend an hourly advisor
Replies: 12
Views: 1997

Re: Recommend an hourly advisor

Rick Ferri at https://core-4.com/. I use his services and I highly recommend him. He posts regularly in this forum.
by MostlyABogleHead
Sun Oct 18, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2475
Views: 563992

Re: Share your net worth progression

Single/unmarried, 32 living on the east coast. Income around $95k gross now, was making closer to $50k when I first started. I have a while to go but am starting to see things accelerate as pretty much all of my raises now can go straight to savings. https://i.imgur.com/U14hgg2.jpg Very nice progre...
by MostlyABogleHead
Wed Oct 14, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Keep food from sticking to stainless steel cookware
Replies: 10
Views: 1153

Re: Keep food from sticking to stainless steel cookware

Brianmcg321 wrote: Wed Oct 14, 2020 2:43 pm Hot pan, cold oil.
+1. And a good heavy pan needs only a medium flame to maintain the temperature. A splash of chicken stock/water to deglaze the pan towards end of cooking will keep the goodness in the food and not on the pan.
by MostlyABogleHead
Mon Oct 12, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: Evidence for Target Date/LifeStyle Fund vs "low-fee" AUM advisor?
Replies: 39
Views: 2245

Re: Evidence for Target Date/LifeStyle Fund vs "low-fee" AUM advisor?

The residents (or sometimes attending physicians that decide to attend) will say, "I really really don't want to have to manage any funds, but I'm willing to buy a Target Date fund and just contribute everything to that. Is that good enough or should I get an advisor?" The right answer to...
by MostlyABogleHead
Mon Oct 12, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: Evidence for Target Date/LifeStyle Fund vs "low-fee" AUM advisor?
Replies: 39
Views: 2245

Re: Evidence for Target Date/LifeStyle Fund vs "low-fee" AUM advisor?

I find value in financial advisors who can take a look at my portfolio and give me a vote of confidence on my strategy and/or suggest changes to the portfolio. For this I recommend a fee only hourly advisor. My go to person for that is Rick Ferri and I use his services once a year for this checkup. ...
by MostlyABogleHead
Fri Oct 09, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Recommendations wanted: lower cost wireless ear buds for runners
Replies: 17
Views: 1052

Re: Recommendations wanted: lower cost wireless ear buds for runners

Powerbeats pro from Apple is a good option if your budget allows $200. If not, you can look up for similarly designed ear buds in amazon. There are many clones, and the ones that hold on to your ears feel more secure.
by MostlyABogleHead
Mon Sep 28, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 48
Views: 2915

Re: Vacuum for mostly hardwood floors...

lgs88 wrote: Mon Sep 28, 2020 11:37 am I hate vacuuming. I love my Dyson. Get the hard floor attachment.
+1 for Dyson. Their chord-less vacuum cleaner is easy to use and works very well on hardwood floors. A bit pricey but the ease of use, lack of chords that can come in the way and performance makes it worth the cost.
by MostlyABogleHead
Mon Sep 21, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce - Need Help, California
Replies: 40
Views: 4204

Re: Divorce - Need Help, California

OP, sorry that you have to go through this process. A friend of mine went through a divorce recently. He and his ex used the services of a mediator who helped to finalize the divorce amicably and with lower costs. It took about 6 months. He used the services of David Magnuson of https://www.cadivorc...
by MostlyABogleHead
Sat Sep 12, 2020 10:33 pm
Forum: Personal Investments
Topic: Life has thrown a curve ball: How to invest now?
Replies: 30
Views: 5611

Re: Life has thrown a curve ball: How to invest now?

Sorry for your loss. 000 has given you excellent advice. If it will help you to talk to someone about the options, I suggest hiring a fee only advisor. They have no incentive in providing you with wrong advice and will help you with all your questions. I have used the services of Rick Ferri in the p...
by MostlyABogleHead
Tue Sep 08, 2020 6:24 pm
Forum: Personal Investments
Topic: Favorite 529 plan these days?
Replies: 21
Views: 1706

Re: Favorite 529 plan these days?

Use Vanguard if you already have other accounts at Vanguard. Makes management simpler.
by MostlyABogleHead
Tue Sep 08, 2020 1:35 am
Forum: Personal Consumer Issues
Topic: Help me choose 2 audible books!
Replies: 32
Views: 1685

Re: Help me choose 2 audible books!

Some non-fiction favourites of mine
1. Thinking in Bets by Annie Duke
2. The Gene: An Intimate History by Siddhartha Mukherjee
3. A Short History of Nearly Everything by Bill Bryson

I found books by Bill Bryson to be excellent and very audible friendly.
by MostlyABogleHead
Mon Sep 07, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Selling home at a loss
Replies: 55
Views: 6151

Re: Selling home at a loss

I’ve read and reread your post. It sounds like you’re currently unhappy in the house due to location and schools, and that you will become more unhappy as your child becomes school aged and you have a second. I’d sell now. Cut your losses, and move on. Be very thoughtful about your next house purch...
by MostlyABogleHead
Sat Sep 05, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 20173

Re: How Much House Can We Afford in HCOL Area?

I get 100% of that. But I specifically asked why it would make financial sense to live in a VHCOL area if it is unnecessary for one's career. Because you get a level vibrancy, and meet more techies and VCs than most other places on the planet. If you dream of founding a start up, the bay area is th...
by MostlyABogleHead
Thu Sep 03, 2020 7:26 am
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 5172

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

Comparing salaries, investment returns and networth in Bay Area is hard due to the wide difference in pay and luck. Someone who joined a hot startup that got bought up by a large tech company or lucked out buying the right stock at the right time can make some serious cash that is hard to fathom whe...
by MostlyABogleHead
Thu Sep 03, 2020 7:10 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 20173

Re: How Much House Can We Afford in HCOL Area?

Another way to think about your income is to remove stock appreciation and initial stock grant from the equation. This will put in perspective on how much you are actually making assuming zero growth in stocks and you not able to move every 4 years and get bump in salary due to initial stock grants....
by MostlyABogleHead
Wed Sep 02, 2020 12:26 am
Forum: Personal Consumer Issues
Topic: Micro cassette voice recordings - how to preserve / save?
Replies: 19
Views: 1475

Re: Micro cassette voice recordings - how to preserve / save?

You did mention that the macs are backed up automatically. I also suggest storing the files in Google drive. They provide reasonably large storage capacity for free which should be enough for a large amount of audio files.
by MostlyABogleHead
Wed Sep 02, 2020 12:13 am
Forum: Personal Investments
Topic: Boglehead-friendly videos on youtube?
Replies: 5
Views: 468

Re: Boglehead-friendly videos on youtube?

Ben Felix has some great videos on YouTube. Checkout his playlist on DIY Investing 101 here. https://www.youtube.com/playlist?list=P ... Z4d_w7OP52

I find his content Boglehead friendly and presented in a way that’s interesting and informative.
by MostlyABogleHead
Tue Sep 01, 2020 12:22 am
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 14691

Re: Investors Were Warned.

I had a related question. Are there any material to understand the value premium and why it exists in a more understandable form? And more importantly why does it exist now even after this is well known for a long time now (ie., why has this not priced in the cost of the funds and hence raising the ...
by MostlyABogleHead
Mon Aug 31, 2020 12:04 am
Forum: Personal Investments
Topic: Looking for advice
Replies: 21
Views: 1788

Re: Looking for advice

Also please talk to a fee only advisor who has no incentive to give you bad advice and has no conflict of interest. I have used the services of Rick Ferri and he is fantastic. These steps will ensure you will not lose money and your retirement is secured. Good luck! Thanks for this advice, for some...
by MostlyABogleHead
Mon Aug 31, 2020 12:01 am
Forum: Personal Investments
Topic: Help me break my addiction to watching the Market / Worrying
Replies: 52
Views: 3780

Re: Help me break my addiction to watching the Market / Worrying

You need a way to fill up your time. If you are interested in music, I suggest learning to play an instrument (I suggest taking up Violin). Hours of fun and to get good at it, you need to put in concentrated effort for many hours a day. That combined with physical exercise and preparing for your nex...
by MostlyABogleHead
Sun Aug 30, 2020 5:49 pm
Forum: Personal Investments
Topic: Looking for advice
Replies: 21
Views: 1788

Re: Looking for advice

There are two factors here. 1. You need enough money in your accounts so that you can comfortably retire with reasonable withdrawal rate. Bogleheads typically suggest a number between 2% and 4% per year. Hence to retire with 40k per annum expense you will need anywhere between $1M to $2M in your acc...
by MostlyABogleHead
Tue Aug 18, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Discount vs. full-price realtor
Replies: 126
Views: 5917

Re: Discount vs. full-price realtor

My wife and I are looking for a house in SoCal. We currently have a "discount" realtor who refunds 1.5% of the buyer's agent commission (normally 2.5%) back to us at closing. In our price range ($1.5-2M), this is about a $25,000 rebate. I consider this substantial; our household income is...
by MostlyABogleHead
Sun Aug 16, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in the SF Bay Area
Replies: 22
Views: 2320

Re: Rent or Buy in the SF Bay Area

My wife and I currently rent a 1 bedroom apartment and are debating if we continue to do so or buy a starter home in the San Francisco Bay Area. We are in our early-mid 30s and live in San Francisco. Kids are 1-2 years away. We currently pay ~$2900/month for an apartment that is too small for us wh...
by MostlyABogleHead
Sat Aug 08, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Looking for a $500 new office chair
Replies: 33
Views: 2646

Re: Looking for a $500 new office chair

Got my remanufactured Steelcase Leap V2 from Crandall Office in Michigan at the start of the pandemic, and couldn't be happier. Quality and service has been great, price was half of new with the same 12-year warranty as new, and custom fabric. They do other Steelcase models and also the Aeron, but ...
by MostlyABogleHead
Mon Aug 03, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 106
Views: 11356

Re: Good quality face mask recommendation, please

Does anyone have a recommendation for a quality face mask? I've got a couple of the blueish face mask (I think they're referred to as surgeons mask, maybe). One seems decent, meaning when I breath in, it sucks in the mask too (it oddly enough says "electronics bdx", on the front side)...t...
by MostlyABogleHead
Mon Aug 03, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?
Replies: 31
Views: 2486

Re: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?

I know this may not be totally applicable in for last few months. For those here that have a car with some sort of auto pilot like feature (Tesla, Cadillac Super Cruise, etc.). Are you finding yourself taking longer road trips to destinations that you would of previously flown to? I am just startin...
by MostlyABogleHead
Fri Jul 31, 2020 2:32 am
Forum: Personal Consumer Issues
Topic: Better toddler sneakers than New Balance?
Replies: 19
Views: 1509

Re: Better toddler sneakers than New Balance?

My toddler began walking with the use of leg braces and insurance paid for New Balance shoes to fit around the braces. He no longer uses the braces but we have continued to purchase New Balance sneakers for him. His physical therapist says they are the best shoes for support and she strongly recomm...
by MostlyABogleHead
Thu Jul 30, 2020 2:28 am
Forum: Personal Consumer Issues
Topic: Anyone study math, physics or science for fun?
Replies: 54
Views: 4389

Re: Anyone study math, physics or science for fun?

I'm curious if there are any Bogleheads who are not in an educational program that enjoy the process of learning mathematics, physics or any types of science for fun? If so, 1) what book(s) are you using to study 2) what topics fascinate you? 3) what motivates you? 3blue1brown YouTube channel (http...
by MostlyABogleHead
Fri Jul 17, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Selling and downsizing/renting vs aging in place
Replies: 18
Views: 1829

Re: Selling and downsizing/renting vs aging in place

My parents currently own a home with about 350k worth of equity in it. They just refinanced a couple of years ago into a 30 year loan with monthly payments slightly under 900 dollars. Their annual property tax is about 5k. They do not have any cash savings, their home is it. They are in their early...
by MostlyABogleHead
Wed Jul 15, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2660
Views: 266115

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

LilyFleur wrote: Wed Jul 15, 2020 12:14 am I have been binging on "City Homicide" on Prime. It's an Australian crime drama TV show. Love those accents.
You might also like Murder city, a British detective series in amazon prime.
by MostlyABogleHead
Mon Jul 13, 2020 10:34 am
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 10120

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would nev...
by MostlyABogleHead
Mon Jul 06, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 8189

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

LV is $50 wallet with a $950 brand. This is my current wallet: https://www.slimfoldwallet.com/products/thin-wallet-original-tyvek?variant=30187910889603 Tyvek blocks the wind and has a good R value in my pants pocket. :D +1 for slimfold wallet. They are fantastic, hold a lot of cards and enough cas...
by MostlyABogleHead
Mon Jul 06, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Where can I find a simple, lightweight changing table that's made in USA/Canada/Europe/Japan/Australia or New Zealand?
Replies: 17
Views: 1224

Re: Where can I find a simple, lightweight changing table that's made in USA/Canada/Europe/Japan/Australia or New Zealan

Etsy.com is a good place to find craftsmen located in the US. I did a quick search and found one furniture maker in New Hampshire who sells made to order changing tables. Infant changing table/farmhouse changing table/ white farmhouse changing table by VintageinColorLLC on Etsy https://www.etsy.com/...
by MostlyABogleHead
Sun Jun 21, 2020 1:11 pm
Forum: Personal Investments
Topic: Official Retirement in 6 months - Is My Portfolio Ready?
Replies: 8
Views: 2023

Re: Official Retirement in 6 months - Is My Portfolio Ready?

I would suggest talking to a fee only financial planner to take a second look at your situation and provide you with advice. I personally have consulted with Rick Ferri and got excellent advice. Rick Ferri (https://rickferri.com/) is the host of bogleheads on investing podcast and is a certified fin...
by MostlyABogleHead
Mon Apr 20, 2020 2:24 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14599

Re: How many paid for kids' college?

We have two kids, one in kindergarten and the other in pre school. We have been saving money in 529 since they were born. We plan to fund their education all the way through without the need for them taking loans, as much as possible. We are generally averse to taking loans and frankly the interest ...