Bogleheads.org

Donnie Baseball Fan

May you rest in peace, Mr. Bogle.
A true hero in my book.
Thank you for your great contributions.
I'll make sure to tell my kids about you when they grow up.

Donnie Baseball Fan

Have you found a solution? We are going through the same problem. My wife, who is very busy during her school day, has been left waiting over an hour many times and no one answers the phone over at Newport Group. We don't know what to do. These people have control over our money and they won't answe...

Donnie Baseball Fan

Summary: people do not have any personal responsibility. I love my 401k. It is a great plan and I have taken my families financial future into my personal responsibility. Wait till you retire and there's a big recession right when you're ready to retire, one in which even bonds fail to protect your...

Donnie Baseball Fan

Summary: people do not have any personal responsibility. I love my 401k. It is a great plan and I have taken my families financial future into my personal responsibility. Wait till you retire and there's a big recession right when you're ready to retire, one in which even bonds fail to protect your...

Donnie Baseball Fan

Summary: people do not have any personal responsibility. I love my 401k. It is a great plan and I have taken my families financial future into my personal responsibility. Wait till you retire and there's a big recession right when you're ready to retire, one in which even bonds fail to protect your...

Donnie Baseball Fan

...The public school needs to ensure all students are ready for the next grade. Well if your child is already ready for the next grade, guess how much attention he / she will get? Nil. We ended up moving both children to a private school and got scholarship. We now pay $500 for both so it is a bit ...

Donnie Baseball Fan

Meg, Congrats! May I ask you how old you are? To everyone else: Should we account house equity to be part of net worth? There is zero real net worth, as long as the amount of cash on hand is significantly lower than the amount of loans pending. They are playing roulette with their future, unless th...

Donnie Baseball Fan

I don't know what your position is on leaving your kids money, but I would prefer to save the ~$50k a year and leave that money to my kids in case I don't need it than to give it to a family "friend." BTW, may I be your friend? P.S.: Congrats on amassing a huge retirement fund. Enjoy it in...

Donnie Baseball Fan

I enjoyed this thread very much.
I leave in awe with the Boglehead that would give a whopping 0.5% (total) of his winnings to his "closest" relatives while giving 10% to his church. Wow.
I can only imagine if they were not "close."

Donnie Baseball Fan

...Now, seriously, what I find interesting is people with $1+ M portfolios basing their investing company choice on a $30-$50 giveaway. Don't forget the $2500 you get for moving $1M+ to Fidelity. Has anyone done a recent detailed comparison of Vanguard and Fidelity? My friend checked things out las...

Donnie Baseball Fan

I guess there are no useful distinctions among Vanguard customer service levels anymore. We are all a little more equal today.

Now, seriously, what I find interesting is people with $1+ M portfolios basing their investing company choice on a $30-$50 giveaway.

Donnie Baseball Fan

Some countries exempt foreign pension income entirely from tax (eg Portugal, which might be a superb option if not for the fact that as a US citizen you could find it hard to benefit from that). Thank you very much, Ted (and all others who replied.) Would it be hard to benefit from that because the...

Donnie Baseball Fan

Fellow Bogleheads, My wife and I would like to retire in Europe, either in Spain or Italy, when the time comes. From what I understand, once we live there, if the rules stay the way they are now, we would be taxed by the European country and then file in the U.S., claiming a sort of credit for the t...

Donnie Baseball Fan

I have read on watch fora that Rolex and Panerai are the brands of choice of showoffs and people who have more money than taste. I don't know about that, but if I were to drop that kind of money on a watch, I certainly would not buy one that is the least exclusive of "luxury" watches --I h...

Donnie Baseball Fan

I am about to write a paper on the latest research on passive vs. active investing. Are there any authors/articles I should not miss?
I want to make sure I don't miss any landmark studies. I am also trying to be as objective as possible as I go in.
Thanks in advance.

Donnie Baseball Fan

Could someone please explain the logic behind paying out of pocket when maxing out tax-advantaged accounts and not when not maxing them out? I went to the wiki and still don't understand the logic behind it. This is the section in the wiki that explains this: Health savings account - paying current...

Donnie Baseball Fan

Could someone please explain the logic behind paying out of pocket when maxing out tax-advantaged accounts and not when not maxing them out? I went to the wiki and still don't understand the logic behind it.

Donnie Baseball Fan

Can't believe no one has mentioned: baby wipes. Don't leave home without them!

Donnie Baseball Fan

The issue with refinancing with low mortgage balances is that refinancing has a cost. This cost is offset by the savings you will make by paying less interest. For these savings to be greater than the cost of refinancing, you have to have a mortgage big enough to make the interest amounts of a certa...

Donnie Baseball Fan

I've always read that the most cost-effective way to get euros is by using the ATM. The rates at exchange houses are steep. It's good to always carry some cash while in Spain: there are plenty of places that won't take credit cards or not for small amounts. Re:Eurorail passes, I have traveled around...

Donnie Baseball Fan

#firstworldproblems

Donnie Baseball Fan

john77, We need more information. Depending on your credit situation, for example, you might get different rates. Why don't you tell us how many years you have remaining on your current loan, what rates you qualify for, and how many years to want the new loan to be? Before looking at the numbers, th...

Donnie Baseball Fan

I've had good experiences with Crate & Barrel and Room and Board. I think all the furniture I bought from these retailers was made by McCreary Modern.

Donnie Baseball Fan

Levett wrote:Memento--handily.

+1 for Memento. How it has a 92% on Rotten Tomatoes is beyond my comprehension.

Donnie Baseball Fan

Equal amounts for both kids. How they decide to live their lives should bear no influence on how much they get.
The only exception I would make for this is if one were sick or had special needs.

Donnie Baseball Fan

The Dangerous Summer, by Hemingway. Very repetitive and as biased as anyone can get, it got to the point where I didn't believe his descriptions of the bulls. I guess someone shouldn't try to objectively relate the rivalry between two professionals when said person is close --too close?-- friends wi...

Donnie Baseball Fan

I saw in the preview that you kept, on page 291, the information about expected returns with different mixes between stocks and bonds. That sheet alone, to me, is worth the price of admission. It summarizes many concepts that might be hard to grasp for the amateur investor. From time to time, I writ...

Donnie Baseball Fan

How about this thought - since the past 6 years two of us share one car, we carpool all the time. The second car is a backup/fun car which is rarely needed (we bought it heavily used and very cheap compared to a new car price). So if we were individuals who had their own cars and did not carpool - ...

Donnie Baseball Fan

Leonidas misses the munchkin man. He was a heavyweight until he went on that diet. I miss him, too. BTW, does anyone know what happened to a boglehead who went by the name "Opponent Process"? I think he had a PhD in psychology or something similar. Pretty smart guy, from what I remember.

Donnie Baseball Fan

I do not understand why people make fun of the question. After all there are very good reasons to fear a correction. In addition to the actions of the Fed, which at times may not be very helpful, the market is not helping much pushing PE10 dangerously high. One of the jobs of the members of this fo...

Donnie Baseball Fan

Re: the FC Barcelona match. There won't be any soccer in June. La Liga is off for the summer and the World Cup will be taking place at that time. The stadium is not a sight worth seeing, except for the museum. I read a lot of people referring to Spanish cuisine, Spanish this and Spanish that. Be car...

Donnie Baseball Fan

Professor Emeritus wrote:The first gift you give your kids is that they don't have to worry about you. The second is a good start in life. The third is help with the finances of your grandchildren. Bequests start after that.

There is a lot of wisdom in these words.

Donnie Baseball Fan

So 4% doctors are millionaires, but what about fat-free doctors?

Donnie Baseball Fan

I would not share that information with anyone, except with my wife. It makes you a target, especially if you have relatives/friends who are in bad financial shape. It can make you a target. While I know I will feel the urge to share what, to me, will be a great accomplishment --I plan to get there ...

Donnie Baseball Fan

If it was worth $215,000 when you put it into rental service and it's worth $240,000 now after about 4 years that's been an average increase of over 2% annually. The increase in value alone is about $25,000 ($2083/mo) jimb I might be mistaken, but why do you use the $215,000 as the starting point o...

Donnie Baseball Fan

U.S.: San Diego
Runner-up: San Francisco

Abroad: Lake Como
Runner-up: Sevilla

Of course, if money were no object, I would probably travel all year between California, Spain, France, Italy, and the Caribbean.

Donnie Baseball Fan

A few things to consider. Known brand-name designers usually don't own manufacturing facilities, so a Polo, Lacoste, or Izod polo can vary in quality from one year to the next, or one user to another. I have tried a ton of brands and can give some advice here. For people on a budget, Lands' End polo...

Donnie Baseball Fan

I think they should be worried about the rate of return on their investments at this time of inflated prices.

Donnie Baseball Fan

abuss368 wrote:
four7s wrote:Traveler shirts from Jos. Bank are worth every penny.
I finally stopped going there and started shopping at Jos A. Bank. Very expensive, but if you buy when they run their sales you can get good deals and tons better quality than Men's Warehouse.

Do they ever not run their sales?

Donnie Baseball Fan

German and Japanese writing tools.
German knives.
Good shoes.
Reliable cars.
Some organic food.
Imported Cheese.
Costco membership.
Smoked salmon.
Sushi.
Vacations.

Donnie Baseball Fan

Lowering stock allocation with age is just plain common sense. It doesn't need to be any particular mathematical curve. Your general risk tolerance tells you what your rough overall lifetime average stock/bond allocation should be. But, whatever it is, you don't want your portfolio value to fluctua...

Donnie Baseball Fan

Hellow fellow Bogleheads, I was recently involved in an accident. I hit some debris someone left on the road and pulled over on the shoulder of the road to inspect the damage. As soon as I got out of the car, boom! Another car hit me from behind. There were two young males in the other car–seemed to...

Donnie Baseball Fan

24
Zorro
Seinfeld
Charlie Rose

Donnie Baseball Fan

David,
The problem is neither my wife nor I have "family" HDHP coverage. We both have "self-only" coverage.

Donnie Baseball Fan

Thanks, Tarnation. After reading those documents, I think I agree with you. I also found this document, http://www.connectyourcare.com/suntrustci/tools/limits.pdf, which seems to indicate that if both spouses have self-only coverage, "Both people are eligible and each may contribute to an HSA; ...

Donnie Baseball Fan

Hello everyone, My wife and I enrolled in high deductible health plans separately in September and opened an HSA account at the same time. My wife is not very interested in our family finances, so I opened the account under my name and requested an additional debit card for her. We work for the same...

Donnie Baseball Fan

You are all jealous of the Yankees. And let's face it, the Phils saved them from wasting their money on Lee. Agreed. The length of the deal the Yankees were offering was ridiculous. Look at the last 10 outings of the regular season by Lee: an ERA of 4.68. Small sample, you say? Look at his lifetime...

Donnie Baseball Fan

You are all jealous of the Yankees. And let's face it, the Phils saved them from wasting their money on Lee. Agreed. The length of the deal the Yankees were offering was ridiculous. Look at the last 10 outings of the regular season by Lee: an ERA of 4.68. Small sample, you say? Look at his lifetime...

Donnie Baseball Fan

From reading some of the responses, what caught my attention is how some people fall so easily for pricing gimmicks. Have you ever thought that if a store's merchandise is always on sale, then the prices they are selling their stuff for are the real prices, and not discounted ones? Now if you saw so...

Donnie Baseball Fan

Wow. As a diehard Yankees fan, I congratulate you. The Freak was unbelievable tonight! What a game. What a team.
Enjoy!

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