Search found 37 matches
- Fri Jan 29, 2021 10:30 am
- Forum: Investing - Theory, News & General
- Topic: Has Bogleheads lost its direction?
- Replies: 325
- Views: 49789
Re: Has Bogleheads lost its direction?
A few years ago, I was participating in a financial book club with a few friends who don't necessarily come here but follow a similar investing philosophy. We would read a book over the course of a month or so, meet up, and discuss. After a few books on index funds, three fund portfolio, etc, we found that we were bored. We all agreed for the most part on our investing strategy, and were largely reading stuff we already knew. We then read some books on stock analysis, options and other things, and there was a lot of fresh discussion. I still haven't bought any individual stocks or touched any options, but it was interesting to learn about and I had a good time discussing these topics and challenging my own ideas. To me not participating in ...
- Fri Aug 23, 2019 9:47 am
- Forum: Investing - Theory, News & General
- Topic: Boglehead’s Vanguard Dogma
- Replies: 31
- Views: 3713
Re: Boglehead’s Vanguard Dogma
I have a schwab employer sponsored account, and I buy schwab index funds. The website is good, the customer service is great, and the funds often have a lower ER than my vanguard funds. I keep my international holdings in my Vanguard account because the Schwab international fund tracks a different index
- Thu Aug 22, 2019 4:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: American Express Personal Savings rate dropping from 2.10% to 1.90% tomorrow (08.22.19)
- Replies: 19
- Views: 2331
Re: American Express Personal Savings rate dropping from 2.10% to 1.90% tomorrow (08.22.19)
What benefit do you get from having separate accounts per expense? I have a single account and track these things in my ledger as recurring expenses, but I've given thought to creating these "buckets". Seems somewhat burdensome though.dardeninvestor wrote: ↑Wed Aug 21, 2019 7:25 pm My use pattern is I have about 5 different accounts. The accounts are set-up for things I have large, fixed monthly payments that do not change and on which I can't/won't tolerate a missed or late payment.
- Thu Aug 15, 2019 2:41 pm
- Forum: Personal Consumer Issues
- Topic: Brown Bag Lunch Ideas
- Replies: 70
- Views: 6151
Re: Brown Bag Lunch Ideas
I meal prep on Sunday, making enough lunches for the week. Meat and vegetables, whatever is on in the freezer already, on sale, etc. Works well for me, I know how many calories are in my lunches, and I have never once paid for lunch out at work. Big savings!!
- Wed Aug 14, 2019 10:09 am
- Forum: Personal Consumer Issues
- Topic: I wanted to teach myself computer programming.
- Replies: 64
- Views: 8480
Re: I wanted to teach myself computer programming.
I think Automate the Boring Stuff with Python is a fun start that can help you solve some real practical problems.
- Tue Aug 13, 2019 2:14 pm
- Forum: Personal Consumer Issues
- Topic: which stud finder?
- Replies: 58
- Views: 5854
Re: which stud finder?
whodidntante wrote: ↑Mon Aug 12, 2019 7:27 pm This is a textbook dad joke even if you don't have kids.
None yet, but I'm getting ready. The arsenal of knee-slappers is ever expanding, much to the wife's chagrin.
- Fri Aug 09, 2019 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Any corp programmers make the jump to remote/contract?
- Replies: 5
- Views: 704
Re: Any corp programmers make the jump to remote/contract?
I have an acquaintance who switched to full time remote programming. They work extremely efficiently and get a week's worth of work done in 20-30h. The rest of the time is spent pursuing higher degrees. I figure the employer is being taken advantage of, but apparently they are happy with the amount of work that is done for "40 hours of work"
- Fri Aug 09, 2019 8:55 am
- Forum: Personal Consumer Issues
- Topic: Do You Order "the Special" at Restaurants?
- Replies: 50
- Views: 6093
Re: Do You Order "the Special" at Restaurants?
I usually don't order anything from the specials because the price is not made clear beforehand
- Thu Aug 08, 2019 10:48 am
- Forum: Personal Consumer Issues
- Topic: Should college student major in environmental science?
- Replies: 50
- Views: 4250
Re: Should college student major in environmental science?
I know two ES majors. One became a science teacher, the other works in Human Resources. Neither could find a job "In the field". YMMV
- Wed Aug 07, 2019 1:33 pm
- Forum: Personal Investments
- Topic: Portfolio Review, 5 year plan.
- Replies: 27
- Views: 2486
Re: Portfolio Review, 5 year plan.
I have not read the prospectus for PRNHX but it seems you have access to lower cost funds in this account. Is there a reason you have chosen PRNHX with an ER of 0.77 over an comparable lower cost fund?
- Wed Aug 07, 2019 11:12 am
- Forum: Personal Investments
- Topic: Portfolio Review, 5 year plan.
- Replies: 27
- Views: 2486
Re: Portfolio Review, 5 year plan.
My Roth IRA is with Vanguard, where I keep costs low. Is there a reason you can't transfer away from Transamerica?
- Wed Aug 07, 2019 9:28 am
- Forum: Personal Consumer Issues
- Topic: which stud finder?
- Replies: 58
- Views: 5854
Re: which stud finder?
My wife asked me out for our first date, so I would say she did a pretty good job. Costs a lot more than $50 though!
Now that the obligatory stud finder joke is out of the way, rare earth neodymium magnets have done me well here, and they have other uses. For those who find more studs than me, a standalone piece of hardware may work better. My father just taps the wall and listens, but I don't think I have the ear for that.
Now that the obligatory stud finder joke is out of the way, rare earth neodymium magnets have done me well here, and they have other uses. For those who find more studs than me, a standalone piece of hardware may work better. My father just taps the wall and listens, but I don't think I have the ear for that.
- Thu Aug 01, 2019 2:46 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard promoting their Actively managed funds
- Replies: 54
- Views: 5907
Re: Vanguard promoting their Actively managed funds
Vanguard can promote their active products all they like - as long as they are still offering passive funds with low ER I don't mind what others buy. Maybe they can use the money from the active funds to improve things that could be considered lacking by some, like the website or customer service.
- Tue Jul 30, 2019 12:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Capital One Card > Credit Freeze
- Replies: 7
- Views: 1193
Re: Capital One Card > Credit Freeze
You should freeze at a minimum: Equifax, Experian, TransUnion. I also did Innovis and ChexSystems
- Fri Jul 26, 2019 4:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is the best way to build credit for a teen/young adult
- Replies: 9
- Views: 1123
Re: What is the best way to build credit for a teen/young adult
In college I got a basic 2% cash back card and started using it for my day to day expenses. A few years post graduation my credit score is nearing 800, though apparently I still get reduced points for my lines of credit having a low age.
- Thu Jul 25, 2019 11:18 am
- Forum: US Chapters
- Topic: Suggestions for the Wiki
- Replies: 699
- Views: 537562
Re: Suggestions for the Wiki
There is a typo on https://www.bogleheads.org/wiki/Target_date_funds
Search the page for "retirment". It is in the Criticisms section
Search the page for "retirment". It is in the Criticisms section
- Wed Jul 24, 2019 2:50 pm
- Forum: Personal Investments
- Topic: Teenage Son Wants to Start Investing
- Replies: 27
- Views: 2251
Re: Teenage Son Wants to Start Investing
I would focus discussion around his goals. Is this money for his future retirement? Is he hoping to use this money to pay for school in a few years? Does he understand the implications of putting the money into a Roth IRA? If he is on board, then I would personally suggest buying VTSAX and teaching him not to look at the portfolio very often. Since he may not need to contribute again until next year that is very easy and it will hopefully help quell any market timing worries.
- Wed Jul 24, 2019 2:34 pm
- Forum: Personal Consumer Issues
- Topic: Do you buy cellphone outright or pay over 2 years?
- Replies: 129
- Views: 11838
Re: Do you buy cellphone outright or pay over 2 years?
Outright and usually I'm buying mid tier phones. They do everything I need for a fraction of the price as flagship. Though my next phone I would like to have NFC
- Wed Jul 24, 2019 10:14 am
- Forum: Personal Consumer Issues
- Topic: Accord approaching 100k miles, how to push it beyond
- Replies: 45
- Views: 6773
Re: Accord approaching 100k miles, how to push it beyond
In addition to any manufacturer recommended maintenance, depending on where you live make sure you are keeping the undercarriage clean. I have seen more cars degrade to rust due to salt than mechanical problems in my family as my dad would always hand wash the cars but not clean the bottom free of road salt.
- Wed Jul 24, 2019 9:54 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568595
Re: Happiness
Congratulations! I will have to do the same soon except it will be for the liabilities column
- Mon Jul 22, 2019 2:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes?
- Replies: 85
- Views: 10891
Re: What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes
1. Spend far less than you earn
2. Invest savings from 1 according to the Boglehead's investment philosophy
Regarding "mistake after mistake financially":
Spending mistakes can't be too egregious if they are still allowing you to LBYM.
Investment mistakes will be minimized when adhering to sound principles.
2. Invest savings from 1 according to the Boglehead's investment philosophy
Regarding "mistake after mistake financially":
Spending mistakes can't be too egregious if they are still allowing you to LBYM.
Investment mistakes will be minimized when adhering to sound principles.
- Mon Jul 22, 2019 10:03 am
- Forum: Investing - Theory, News & General
- Topic: Personal Capital
- Replies: 21
- Views: 4168
Re: Personal Capital
I use PC but have never received a call from them. Maybe I am too broke for them to be interested
I have no interest in their investment advice, i simply use their website as an aggregator and to view my asset allocation over time.
I have no interest in their investment advice, i simply use their website as an aggregator and to view my asset allocation over time.
- Mon Jul 22, 2019 9:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Should relative incomes be a factor in wedding gift?
- Replies: 107
- Views: 8625
Re: Should relative incomes be a factor in wedding gift?
The chances of the bride and groom remembering what you gave, or caring at all, is likely slim so just give what you feel comfortable with. Just to give a counterpoint - my in-laws catalog every gift for historical record, and when it comes time to reciprocate they consult the records and gift a similar amount. I see the utility in that it helps them ensure they give generous gifts to those who were generous to them in the past, but it also seems that every other major event has a "Person A only gifted $X, can you believe that??" scenario, which I find petty and ridiculous. Gifts should be gifts, give what you feel is appropriate regardless of income level. However I was raised that the gift should at least cover the cost of the ...
- Thu Jul 18, 2019 3:23 pm
- Forum: Personal Consumer Issues
- Topic: Automatic Watches
- Replies: 92
- Views: 10195
- Thu Jul 18, 2019 2:23 pm
- Forum: Personal Consumer Issues
- Topic: Microwave Fire
- Replies: 14
- Views: 1327
Re: Microwave Fire
I don't know why I thought this was some special type of FIRE (Financial Independence, Retire Early) that involved eating only microwavable meals like the similarly named "LeanFIRE, FatFIRE, BaristaFIRE".
Glad to hear you were given good service by the manufacturer. Was it a manufacturer warranty?
Glad to hear you were given good service by the manufacturer. Was it a manufacturer warranty?
- Tue Jul 16, 2019 2:18 pm
- Forum: Forum Issues and Administration
- Topic: Quote only the part that you are responding to
- Replies: 11
- Views: 2102
- Wed Jul 10, 2019 4:39 pm
- Forum: Personal Consumer Issues
- Topic: Recommendations for binoculars
- Replies: 34
- Views: 3211
Re: Recommendations for binoculars
As a binocular neophyte (but very used to pro hi-def video lenses) I bought a pair of Monarchs and was a bit disappointed with the glass. If you try the Monarchs and then try a high end like Swarovsky, Leica, Zeitz the difference is quite noticeable. Monarch isn't bad for general purpose but it does have some issues with the glass. There is a quite noticeable yellow tint when you compare it to higher end glass - or even one of the mid-range products like Vortex or Leupold. The tint would not be noticeable in general use but for my purposes (birding) it would be distorting. I ended up with Leupold when I was just starting out birding. Leupold has acceptable glass quality and had some other good specs like short close-focus and a very fast f...
- Wed Jul 10, 2019 9:02 am
- Forum: Personal Consumer Issues
- Topic: Volunteer suggestions
- Replies: 55
- Views: 4325
Re: Volunteer suggestions
I write free and open source software to benefit communities/hobbies i'm a part of. It keeps my skills sharp and others get to use what I make, which is always fun.
- Wed Jul 10, 2019 8:54 am
- Forum: Personal Consumer Issues
- Topic: Who cuts your hair? And for how much?
- Replies: 153
- Views: 14877
Re: Who cuts your hair? And for how much?
I cut my own hair. Bought my Wahl clippers on July 30, 2014 for $24.99. I cut my hair roughly every fortnight. So I guess I'm down to about 20 cents per cut if my math is right
- Tue Jul 09, 2019 3:33 pm
- Forum: Personal Consumer Issues
- Topic: Recommendations for binoculars
- Replies: 34
- Views: 3211
Re: Recommendations for binoculars
I have these binoculars and they're great. Probably would have went with a set from Vortex if I was looking to spend more.7eight9 wrote: ↑Tue Jul 09, 2019 2:36 pm These may be more than you are looking to pay but the Nikon Monarch 5 8x42 is a very good binocular that you can pick up for around $240.
Amazon link --- https://www.amazon.com/Nikon-7576-MONAR ... B00C66C950
- Tue Jul 09, 2019 8:48 am
- Forum: Personal Consumer Issues
- Topic: (Tall) Buyer Beware: Honda Accord.
- Replies: 77
- Views: 15554
Re: (Tall) Buyer Beware: Honda Accord.
Just as a counterpoint, I'm also 6'4 and my 2012 Honda Accord is spacious and comfortable for me. I have the leather seats, not sure if there is a difference in comfort there.
- Tue Jul 09, 2019 8:44 am
- Forum: Personal Finance (Not Investing)
- Topic: Having second thoughts about Personal Capital
- Replies: 30
- Views: 5264
Re: Having second thoughts about Personal Capital
Personal Capital allows me to check all of my transactions easily, which means I do it more often. I'm more likely to catch a fraudulent charge or billing mistake because of this. I try to minimize the downside by using 2FA and a long randomly generated password. The benefit outweighs the potential risk for me.
- Wed Jun 12, 2019 10:26 am
- Forum: Personal Consumer Issues
- Topic: Which shaving cream / oil?
- Replies: 58
- Views: 7340
Re: Which shaving cream / oil?
I use arko shaving soap sticks, i bought a 4 pack for around $4 many years ago and I have still not used them all up.. granted I have had a beard for a couple of those years, but creating my own lather saved a lot of money when i was shaving regularly
- Thu Jun 06, 2019 10:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
- Replies: 64
- Views: 6491
Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?
My partner accepted a similar 90% position. After performing exceptionally well that year, a return offer for full time teaching for the following school year was given.
- Tue Jun 04, 2019 12:56 pm
- Forum: US Chapters
- Topic: New Local Chapter on Long Island NY established
- Replies: 51
- Views: 18002
Re: Any interest in forming Local Chapter on Long Island NY?
Interested as well for Nassau or western Suffolk
- Tue Jun 04, 2019 8:48 am
- Forum: Investing - Theory, News & General
- Topic: How did you all do in the month of May, 2019
- Replies: 126
- Views: 13331
Re: How did you all do in the month of May, 2019
I saw some red numbers when i logged in to make my 401k trades, but I didn't give it much thought
- Thu May 30, 2019 4:41 pm
- Forum: Personal Investments
- Topic: Paid off the Mortgage!
- Replies: 80
- Views: 10910
Re: Paid off the Mortgage!
Congratulations on the new house.. I look forward to the next "Paid off the Mortgage!" post