Search found 260 matches

by BalancedJCB19
Fri May 07, 2021 1:43 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 151
Views: 13572

Re: Any Boglehead powerlifters?

If you met me, you'd would think I am a Powerlifter. I'm blessed to have the natural body. 5'6 215. However, I only do Isomertics and it is enough for me to keep up my strength. My neck is 191/2 and my biceps are very big. People are amazed I don't spend hours at the gym and quite honestly so am I. ...
by BalancedJCB19
Sat May 01, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: YouTube TV may disappear from Roku devices shortly
Replies: 34
Views: 3954

Re: YouTube TV may disappear from Roku devices shortly

I saw this and am not happy at all. I'm okay using one of the other services (maybe Sling) but no local channels, and we're not in range to use an antenna. :oops: All you need to do is sign up with Hulu Live. Same price and same content! All local channels too. No antenna needed. I looked at that, ...
by BalancedJCB19
Fri Apr 30, 2021 4:44 pm
Forum: Personal Consumer Issues
Topic: YouTube TV may disappear from Roku devices shortly
Replies: 34
Views: 3954

Re: YouTube TV may disappear from Roku devices shortly

mancich wrote: Mon Apr 26, 2021 8:50 am I saw this and am not happy at all. I'm okay using one of the other services (maybe Sling) but no local channels, and we're not in range to use an antenna. :oops:
All you need to do is sign up with Hulu Live. Same price and same content! All local channels too. No antenna needed.
by BalancedJCB19
Mon Apr 19, 2021 8:49 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 81
Views: 6649

Re: Comfortable Men's Flip Flops?

Nothing beats the comfort of Crocs if you can get past the looks, which I have no problem doing.
by BalancedJCB19
Thu Apr 15, 2021 6:22 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1315

Re: Hoover Vacuum Problem

Come on Sport. Splurge on a new vacuum. You can get a brand new older model Oreck for less than $150 on Amazon. It's not a watch where you want to hand it down from generation to generation. lol
by BalancedJCB19
Thu Apr 15, 2021 3:35 pm
Forum: Personal Consumer Issues
Topic: Considering porcelain flooring that looks like wood
Replies: 12
Views: 721

Re: Considering porcelain flooring that looks like wood

My Sister-in-law just put this in and it looks great. We just did Luxury Vinyl Plank Flooring and love it. It's Waterproof and super easy to clean. I would go with the LVP because it's also very easy to install and looks great and has a lifetime residential warranty. If you are interested, we used N...
by BalancedJCB19
Thu Apr 15, 2021 8:48 am
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 492
Views: 34994

Re: "Nobody's ever regretted paying off the mortgage."

If you just look at the math, you are right, but I think it is a personal issues and like Ramsey likes to say a lot Personal Finance is more than the math and it is Personal. Nothing gave me more of a secure feeling then when I paid my last mortgage payment. I just hit over a million in my 401K for ...
by BalancedJCB19
Wed Apr 14, 2021 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest expenses in life
Replies: 50
Views: 4247

Re: Biggest expenses in life

It depends on who you are asking, but in my case it is Pizza Between the pizza, the chinese delivery and the fast food, this is probably my one regret, but that has more to do with the diabetes than the money (my diabetes is currently lifestyle controlled, so not an additional money drag). Oh Man, ...
by BalancedJCB19
Wed Apr 14, 2021 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest expenses in life
Replies: 50
Views: 4247

Re: Biggest expenses in life

It depends on who you are asking, but in my case it is Pizza
by BalancedJCB19
Wed Apr 14, 2021 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: I wish I Knew Then What I Know Now
Replies: 33
Views: 3773

Re: I wish I Knew Then What I Know Now

I wish I knew that volatility and risk are not the same thing and a 100% stock portfolio via an index fund is the way to go with 30 years ahead of you.
by BalancedJCB19
Wed Apr 14, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: Mouse Help
Replies: 14
Views: 1082

Re: Mouse Help

I recently went trough the same thing and I didn't have a lot of luck with the snap traps because they were very small. I don't agree with the glue traps because of the inhumane nature, but they did work the best. Once I caved in and put them down, I got all three mice and the problem was solved, I ...
by BalancedJCB19
Tue Apr 13, 2021 9:52 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 77
Views: 6470

Re: 10+ year old used cars?

I'm too much of a nervous nelly to buy anything older than 3 years old. What I have done since I started driving at 17 and now I'm going to be 57 in June is buy a subcompact or compact brand new and run it for over a decade and then repeat the process. This way I'm still not spending too much money ...
by BalancedJCB19
Sun Apr 11, 2021 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Financing to Purchase Law Firm
Replies: 45
Views: 3749

Re: Financing to Purchase Law Firm

Unless you've got the cash, or other assets that can serve as collateral, it would seem that it might be more economically feasible to hang out your own new independent shingle elsewhere . Do you have any other professional colleagues, either at the firm or elsewhere, who have significant assets an...
by BalancedJCB19
Sat Apr 10, 2021 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 5021

Re: Do budgets work?

I wholeheartedly agree and many years ago after reading the Automatic Millionaire, I knew I was doing it right. If I am maxing out my 401K, and have other items taken out of my check automatically for what I want to save for, there is no need for me to budget. I have been doing this for my entire w...
by BalancedJCB19
Sat Apr 10, 2021 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Laid off advice
Replies: 31
Views: 2527

Re: Laid off advice

We're in Pennsylvania. Check out the Affordable Care Act. ACA plans are total trash. The best choice was $1.5k a month in premiums with an $18,000 annual deductible. What a joke. Not in New York. A close friend of mine lost his job and had no income coming in and was able to get on the ACA for free...
by BalancedJCB19
Sat Apr 10, 2021 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 5021

Re: Do budgets work?

I wholeheartedly agree and many years ago after reading the Automatic Millionaire, I knew I was doing it right. If I am maxing out my 401K, and have other items taken out of my check automatically for what I want to save for, there is no need for me to budget. I have been doing this for my entire wo...
by BalancedJCB19
Sat Apr 10, 2021 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Laid off advice
Replies: 31
Views: 2527

Re: Laid off advice

BlackHawk31 wrote: Sat Apr 10, 2021 7:57 am We're in Pennsylvania.
Check out the Affordable Care Act.
by BalancedJCB19
Sat Apr 10, 2021 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Laid off advice
Replies: 31
Views: 2527

Re: Laid off advice

Don't know what State you live in, but in New York if you get laid off and do not have an income you can on ObamaCare and it will not cost you anything. I know two people who were laid off and they were able to get free healthcare here in New York because the Affordable Care Act expanded Medicaid fo...
by BalancedJCB19
Sat Apr 10, 2021 7:24 am
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 8028

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice. I'm not a fan of Ramsey's investing advice, but he does not have you chasing performance. His investment advice is pretty straight forward and consistent and not sure where...
by BalancedJCB19
Fri Apr 09, 2021 10:24 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 8028

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice. I'm not a fan of Ramsey's investing advice, but he does not have you chasing performance. His investment advice is pretty straight forward and consistent and not sure where...
by BalancedJCB19
Fri Apr 09, 2021 8:10 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 8028

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice. I'm not a fan of Ramsey's investing advice, but he does not have you chasing performance. His investment advice is pretty straight forward and consistent and not sure where...
by BalancedJCB19
Fri Apr 09, 2021 6:25 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 8028

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice. I'm not a fan of Ramsey's investing advice, but he does not have you chasing performance. His investment advice is pretty straight forward and consistent and not sure where...
by BalancedJCB19
Fri Apr 09, 2021 8:47 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 56608

Re: What is your age and asset allocation ?

56 turning 57 in June
Wife 61

My entire portfolio is in the Vanguard Balanced Index Fund (60/40) (IRA)

My new 401K I started 2 years ago when I started a new job will eventually get rolled over to my IRA (the 401k is also 60/40)

I will hold this fund for my entire natural life
by BalancedJCB19
Thu Apr 08, 2021 3:55 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21844

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I don't do what the OP suggested because I would be too worried about hidden problems. What I do do is I buy a brand new car for around $17K, in this case a Nissan Versa and keep it for as long as I can. I'm currently still driving my 09 Versa and the thing is still going strong (with 125,000 on it)...
by BalancedJCB19
Tue Apr 06, 2021 7:38 pm
Forum: Personal Consumer Issues
Topic: Any intermediate + economic book recommendations
Replies: 3
Views: 329

Re: Any intermediate + economic book recommendations

It sounds like you are heading into advanced territory. I found it a little hard to grasp, but it sounds like this might work for you. Enjoy!

https://www.youtube.com/watch?v=R3ZJKN_5M44
by BalancedJCB19
Mon Apr 05, 2021 8:59 am
Forum: Investing - Theory, News & General
Topic: Incredible stock market gains the past year - probably due for a major pullback
Replies: 89
Views: 10953

Re: Incredible stock market gains the past year - probably due for a major pullback

It might keep going up. It might have a pullback. It might go sideways for a while until valuations become more normal. Who knows? Pick an allocation you can stick with and ignore the market seems like the sensible strategy. I echo this statement. As Bogleheads we are lucky enough to find a strateg...
by BalancedJCB19
Sat Apr 03, 2021 7:41 am
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 63
Views: 8022

Re: Lower bond percentage after you won the game?

I think you might be over thinking it. I listened to Jack and am sticking with a 60/40 AA for life.
by BalancedJCB19
Thu Apr 01, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Family car
Replies: 91
Views: 7496

Re: Family car

How about getting a pre-owned but still considered new (i.e. something that was leased and returned).That's a steep price for something that goes down in value the minute you drive it off the lot. Let someone else take the depreciation and you still pretty much have a new car. However, take this adv...
by BalancedJCB19
Mon Mar 15, 2021 9:19 am
Forum: Personal Consumer Issues
Topic: Electric shaver
Replies: 33
Views: 2417

Re: Electric shaver

Hi I used to be a barber many years ago. I also have a very heavy beard. The only electric shaver that truly worked on me and others with a hard coarse-grained beard was Andis Cordless Mens Long Lasting Lithium Battery Titanium Foil Shaver. You can get it on Amazon for $64.95. I know many working ba...
by BalancedJCB19
Fri Mar 12, 2021 12:43 pm
Forum: Personal Investments
Topic: 100% Stock Portfolio
Replies: 42
Views: 2353

Re: 100% Stock Portfolio

That is reasonable, and it really depends on you situation and temperament. Adding some bonds will still get you there. However, if you have a pension like others stated or you can live off social security, you can throw the dice and be 100% stock or 100% bonds. As a Boglehead and John Bogle followe...
by BalancedJCB19
Sat Mar 06, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: recommend me some books on personal finance and investing
Replies: 12
Views: 1104

Re: recommend me so books on personal finance and investing

Two seperate references by same author - JL Collins Book - "The Simple Path to Wealth" https://www.amazon.com/gp/product/1533667926/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1533667926&linkCode=as2&tag=jlcollinsnh-20&linkId=1b236a42ef2205f07c4e83e9a...
by BalancedJCB19
Fri Mar 05, 2021 9:01 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 107
Views: 9110

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

Been shaving my head for over 15 years now. The freedom is worth any negative comments. I do it once a week myself and the rest of the week, I don't even deal with it. I use the Remington Quick Cut Pro without the guard and it does the trick. Quick and easy. Or visit these guys, they can guide you....
by BalancedJCB19
Fri Mar 05, 2021 5:14 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 107
Views: 9110

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

Been shaving my head for over 15 years now. The freedom is worth any negative comments. I do it once a week myself and the rest of the week, I don't even deal with it. I use the Remington Quick Cut Pro without the guard and it does the trick. Quick and easy. Or visit these guys, they can guide you. ...
by BalancedJCB19
Thu Mar 04, 2021 2:00 pm
Forum: Investing - Theory, News & General
Topic: ARK investment
Replies: 267
Views: 25138

Re: ARK investment

I never heard about her until today. I looked her up and I could not believe she is 65. She looks like she's in her 40s. As far as investing in Ark. No, I'm a passive Boglehead and I'm pretty positive that will not change was long as I'm alive. In fact, I go a step further and hold one fund the Vang...
by BalancedJCB19
Thu Mar 04, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 36
Views: 3980

Re: Hardwood Floors

Update:

I did not do the Hardwood but put in NuCore Luxury Vinyl Plan Flooring. I know some said it was not the way to go, but I have to say living with them now, I love them and glad I made this move.

P.S. My wife loves them to which is a big win.

Thanks again for all your input.
by BalancedJCB19
Thu Feb 18, 2021 11:49 am
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 184
Views: 17481

Re: best wristwatch for the price

I just bought a Timex Men's Modern Easy Reader 40mm Watch. I love it.
This is it below:

https://www.timex.com/modern-easy-reade ... wWEALw_wcB
by BalancedJCB19
Mon Feb 15, 2021 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ...Huge mistake?
Replies: 55
Views: 7706

Re: Buying a house in NJ...Huge mistake?

I would go for it! Rents today are also pretty expensive. It would kill me to have to pay rent and know that I'm not getting anything for it. I know this is an issue that has been discussed with many personal finance gurus, but IMHO there is nothing like owning your own home. I bought my house in 19...
by BalancedJCB19
Tue Feb 09, 2021 4:10 pm
Forum: Personal Investments
Topic: Are Bogleheads still investing at Vanguard?
Replies: 132
Views: 11732

Re: Are Bogleheads still investing at Vanguard?

Still at Vanguard. I am near the finish line and will probably retire within 5 years. I have a very simple situation, my entire portfolio is in the Vanguard Balanced Index Fund, so in about 5 years when I start withdrawing that money, not sure how they will screw that up, but if it is a problem, I w...
by BalancedJCB19
Mon Feb 08, 2021 7:04 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1203
Views: 56807

Re: Bird watchers – what birds are you seeing?

I live in the New York area and saw a finch penchelwood in Central Park. Unfortunately, I was not fast enough to get good shots. I doubt I would have see a penchel finch again.
by BalancedJCB19
Fri Jan 29, 2021 2:43 pm
Forum: Investing - Theory, News & General
Topic: Why not 50/50?
Replies: 175
Views: 17228

Re: Why not 50/50?

If there is no perfect asset allocation, and the two largest asset classes are stocks and bonds, why not just use a 50/50 portfolio and forget about all that theoretical stuff? Without reading the other replies, nothing is wrong with it. I hold one fund which is the Balanced Index Fund 60/40, close...
by BalancedJCB19
Mon Jan 25, 2021 10:44 pm
Forum: Personal Investments
Topic: Any boring investors left?
Replies: 223
Views: 13692

Re: Any boring investors left?

That's me. My entire portfolio is in one fund. The Vanguard Balanced Index Fund. That's pretty much as plain vanilla and boring as it gets and I love it!! I will remain this way until I leave this earthly experience.
by BalancedJCB19
Fri Jan 22, 2021 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4727

Re: Alternatives to Recommending Dave Ramsey?

JL Collins The Simple Path to Wealth. https://jlcollinsnh.com/stock-series/ Very fine book if you want to know why index funds are the way to go. It is not really an A-Z book like The Total Money Makeover or The Automatic Millionaire. I would say it would be a great companion to The Automatic Milli...
by BalancedJCB19
Fri Jan 22, 2021 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4727

Re: Alternatives to Recommending Dave Ramsey?

Without a doubt for the same type of audience that would listen to Dave I always recommend David Bach's The Automatic Millionaire a solid book for beginners and his investing advice aligns with the Bogleheads. After they read that and want to know a little more about investing, I tell them to buy Th...
by BalancedJCB19
Fri Jan 22, 2021 11:05 am
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3230

Re: any suggestions for best 65" TV under $1000?

TCL Roku 65 inch. I love the picture. I paid $525 at Costco. I have bought many high end brands before and this picture is just as good if not better. Having said that I'm not a tech type guy and I usually like the simple gadgets rather then one with all the bells and whistles. This is great due to ...
by BalancedJCB19
Wed Jan 20, 2021 12:49 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 36
Views: 3980

Re: Hardwood Floors

I'd really avoid vinyl - it is crazy thin - which means it will flap and be very noisy and cheap feeling. You can literally pick it up on the ends - or push on it - and it will move/flap between the floor underneath and the trim board holding it in place. When I invest in my home - I try to stay wi...
by BalancedJCB19
Wed Jan 20, 2021 12:48 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 36
Views: 3980

Re: Hardwood Floors

Thank you all so much!! This is what I was thinking. Carpet will have to be ripped up and furniture will have to be moved. Not to throw a monkey wrench in this discussion but a friend of mine said he put Vinyl Plank Flooring in his house and loves it. He said it will be a lot less expensive then re...
by BalancedJCB19
Wed Jan 20, 2021 12:00 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 36
Views: 3980

Re: Hardwood Floors

Thank you all so much!! This is what I was thinking. Carpet will have to be ripped up and furniture will have to be moved. Not to throw a monkey wrench in this discussion but a friend of mine said he put Vinyl Plank Flooring in his house and loves it. He said it will be a lot less expensive then rea...
by BalancedJCB19
Tue Jan 19, 2021 9:37 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 36
Views: 3980

Hardwood Floors

I'm thinking about putting in Hardwood Floors in my home. The house is approx. 2,000 sq. ft. Would anyone have a guesstimate on how much materials and install would cost. I would like to put in a good product, but does not have to be the best out there, but certainly don't want the low end. Middle o...
by BalancedJCB19
Tue Jan 19, 2021 10:03 am
Forum: Investing - Theory, News & General
Topic: Do you believe in the Efficient Market Hypothesis?
Replies: 118
Views: 5893

Re: Do you believe in the Efficient Market Hypothesis?

I follow and believe in CMH. Cost Matter Hypothesis.
by BalancedJCB19
Mon Jan 18, 2021 3:14 pm
Forum: Investing - Theory, News & General
Topic: When active fund management makes sense to you?
Replies: 79
Views: 5428

Re: When active fund management makes sense to you?

Truthfully, I have been listening to Jack so long, I don't think my inner voice will let me. It would not feel right to pay that extra expense for what I believe adds no value. I would pay for the expertise of a good accountant, but the rest I can do myself.