Search found 11293 matches

by letsgobobby
Wed Jul 18, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 13
Views: 589

Re: Planning a trip to France in June 2019 - ADvice ?

Fun thing to do in France. Buy 2019 Michelin Guide Rouge Find the ‘value’ restaurants scattered in small towns across the country (bib gourmand) Organize your trip from town to town making sure to eat at one of those restaurants each night. Note these are not starred restaurants, but much more affor...
by letsgobobby
Wed Jul 18, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new hot tub
Replies: 27
Views: 3398

Re: Shopping for a new hot tub

Costco had a model called the Aquaterra Chesapeake on sale until monday for $4499. It's no longer for sale at all, unfortunately. It was 7' x 7'7" which would be more ideal for my space, which was the reason it was on my list. One Spa dealer is selling one on Craigslist for the same price and adver...
by letsgobobby
Wed Jul 18, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1315

Re: Estate Planning and Charity

oddly enough, I can't think of anything that I feel particularly strong enough about right now, but I'd like to have something to put down initially on my trust though I know anything I do put can be changed at any time in the future. I'm just curious to know how you all went about deciding on any ...
by letsgobobby
Mon Jul 16, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2603

Re: Would you pay $120 for a 5 year dishwasher warranty?

livesoft wrote:
Mon Jul 16, 2018 5:59 pm
I would not. I know how to fix dishwashers.
Parts alone could easily exceed $25 per year. I don't know about whirlpool but my supposedly highly rated Kenmore needed four service calls in three years and the parts were around $150. But our new Bosch has been great.
by letsgobobby
Mon Jul 16, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 59
Views: 4529

Re: Bears!!!

If anything other than bear proof trash cans worked, don’t you think the NPS would have gone with that other, cheaper option already? Every NP unit with a significant bear population uses bearproof trash cans because they’re the only thing that work. You can visit the Grizzly and Wolf Discovery Cent...
by letsgobobby
Sun Jul 15, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 41
Views: 17802

Re: Death Book

I'm relatively new here and have learned lots since I've been reading. While researching investment policy statements, I came across mentions of letter of instruction. In our house, this is fondly known as the "death book". I stumbled onto the version my Dad put together before he died and it was i...
by letsgobobby
Sun Jul 15, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12522

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Like many of you we have tons of accounts. And for the many of you who also participate in new account bonus chasing, you know what I mean by "tons" of accounts. My wife and I go over monthly all of our money and everything is tied into mint.com so we have up to the second views of our accounts. On...
by letsgobobby
Sun Jul 15, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing 85% of 401k contribution going to bonds
Replies: 20
Views: 2135

Re: Realizing 85% of 401k contribution going to bonds

I have 80/20 asset allocation and I’m fortunate enough to max 401k, HSA, Roth IRAs for me and wife and contribute to taxable. I just realized that based on my total yearly contributions, in order to contribute 20% to bonds I’m putting up to 85% of my 401k contribution toward bonds (this includes em...
by letsgobobby
Sat Jul 14, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5435

Re: Is expensive olive oil worth it?

I buy in Costco Kirkland Organic Extra Virgin Olive Oil in 2-liter (2 Qt. 3.6 Fl Oz) containers. I only use it in salads; I don't fry. The expiration date is usually at least a year later, and I buy several containers at a time. This oil provides an excellent benefit/cost ratio. Victoria We occasio...
by letsgobobby
Sat Jul 14, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2044

Re: How much does your accountant cost?

I was given a nearly $1000 estimate no schedule c but otherwise seemingly pretty complex. I opted to keep doing it myself and beginning next year plan to have considerably simpler taxes.
by letsgobobby
Sat Jul 14, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2226

Re: Change in Flagship Rep Service ?

I have had a rep by committee type of thing for the past year. My picture rep has gone but my emails are often answered within the same day. No complaints, but it is less personal. I don’t mind though - they are quick to respond and get me the information I need so I am happy. I use this system now...
by letsgobobby
Sat Jul 14, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Living Revocable Trust - conveyance of assets
Replies: 11
Views: 766

Re: Living Revocable Trust - conveyance of assets

After creating our trust our attorney provided specific instructions about what to change and how. She took care of the primary residence retitling but the rest we did.

I made a spreadsheet to make sure each item was correctly addressed. It’s taken about six weeks so far. Should be done in 1-2 weeks.
by letsgobobby
Sat Jul 14, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?
Replies: 53
Views: 5751

Re: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?

I just opened IRAs with Chase to get CPC and can confirm I can't buy VTSAX or VTIAX. Will also try with the brokerage account once that is opened and see if it works. We’re you able to buy the admiral shares in the taxable brokerage account? Just checked, can still buy admiral shares in taxable. Al...
by letsgobobby
Sat Jul 14, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: many differences in small cap indexes
Replies: 26
Views: 1491

Re: many differences in small cap indexes

Regarding the S&P 600 index, I don't think anyone has mentioned this, but the index was able to avoid a lot of the dot-com carnage around 1999 because it has a requirement that companies in the index have at least three consecutive years of earnings or at least three years of earnings. I believe th...
by letsgobobby
Sat Jul 14, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: many differences in small cap indexes
Replies: 26
Views: 1491

Re: many differences in small cap indexes

I wanted to allocate a portion of my portfolio to small caps. It seems to me there are quite a bit of differences (and performance deltas) between small cap indices. The russell 2000 index seems to trail the S&P 600 index by a healthy margin. And I don't think there is any recency bias her because ...
by letsgobobby
Sat Jul 14, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 31
Views: 2076

Re: are mccormick gourmet spices better

In most cases whole spices are vastly superior in taste than preground, and they keep longer. The best ‘spice grinder’ I have found is a $25 magic bullet. Use it for all kind of spice mixes and individual spices. Cumin seed to ground cumin, incredibly fragrant. Then lightly toast it, even better. I’...
by letsgobobby
Fri Jul 13, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Re: Six stocks make up 98% of S&P 500 gains in 2018

So, this thread is misleading because it implies that you would have missed out on market gains except for these six maga-stocks. But these weren't the only stocks that have done well in 2018; they're just the ones that accounted for most of the wealth created in the stock market. The SPEE has gone...
by letsgobobby
Fri Jul 13, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7489

Re: Whole Life - We're doing it. What to look for?

If I understand, your motivation for getting WL is the attraction of a permanent death benefit, ie, one that exists even after your current term policy expires. Is that correct? If so, that is a perfectly valid reason to get WL. Many will decide they don't need or want that, for example, they plan t...
by letsgobobby
Fri Jul 13, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Re: Six stocks make up 98% of S&P 500 gains in 2018

zonto wrote:
Fri Jul 13, 2018 6:17 am
I thought this article was informative and thought I’d share: http://awealthofcommonsense.com/2018/07 ... ck-market/
Thanks for posting as this answers some of my questions.
by letsgobobby
Wed Jul 11, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: I Now Have a Revocable Trust and Have Questions
Replies: 14
Views: 1411

Re: I Now Have a Revocable Trust and Have Questions

Go get a good experienced trust and estate attorney now. Pay what it costs. We used someone who was quickly out of his league with our estate and ended up wasting several years and thousands of dollars. Our new estate plan took three meetings and it's done. Exactly what we wanted. Would have been be...
by letsgobobby
Wed Jul 11, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Re: Six stocks make up 98% of S&P 500 gains in 2018

The only meaningful way to attribute proportions of returns to a (cap weighted) index is by market cap. I assume they did that? I think you misunderstand what I meant. For example the 10 largest holdings in VFINX account for ~22% of the assets (as of 5/31/18). So they account for ~22% of the return...
by letsgobobby
Wed Jul 11, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Re: Six stocks make up 98% of S&P 500 gains in 2018

The only meaningful way to attribute proportions of returns to a (cap weighted) index is by market cap. I assume they did that? I think you misunderstand what I meant. For example the 10 largest holdings in VFINX account for ~22% of the assets (as of 5/31/18). So they account for ~22% of the return...
by letsgobobby
Wed Jul 11, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Re: Six stocks make up 98% of S&P 500 gains in 2018

House Blend wrote:
Wed Jul 11, 2018 9:28 am
letsgobobby wrote:
Tue Jul 10, 2018 3:35 pm
My thoughts are

The only meaningful way to attribute proportions of returns to a (cap weighted) index is by market cap.
I assume they did that?
by letsgobobby
Wed Jul 11, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Re: Six stocks make up 98% of S&P 500 gains in 2018

FWIW, looking at the 500 companies in the S&P500 individually (as of close yesterday): * 268 are up year-to-date and 236 are down (53% are up YTD and 47% are down). * 67 (or 13%) of the "up" stocks were up 20% of more YTD. * Of those that are up YTD, median amount is about 11% and ranges from +0.02...
by letsgobobby
Wed Jul 11, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7489

Re: Whole Life - We're doing it. What to look for?

how can cash value after one year be equal to your premium? It’s as if the insurance is free.
by letsgobobby
Tue Jul 10, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9976

Six stocks make up 98% of S&P 500 gains in 2018

https://www.cnbc.com/2018/07/10/amazon-netflix-and-microsoft-hold-most-of-the-markets-gain-in-2018.html Amazon Netflix Microsoft Apple Facebook Alphabet My thoughts are 1. Weak breadth can signify a market correction or worse 2. A declining cumulative A/D line likewise, but I don't know how to find ...
by letsgobobby
Tue Jul 10, 2018 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7489

Re: Whole Life - We're doing it. What to look for?

Does WL pay out faster than term? I have never heard such a thing.
by letsgobobby
Mon Jul 09, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6198

Re: Older Women Lifting Weights

What's new is that gym bros are learning that you can't do arm curls and two sets of fifteen of anything to optimize overall strength. I'm not talking about professionals, who knew about deadlifts and squats in high weight/low rep programming decades ago. I'm talking about average Joe and Jane at th...
by letsgobobby
Sun Jul 08, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6198

Re: Older Women Lifting Weights

If interested, you can google Miranda Esmond White. She is a 60-something former ballerina from Canada. She is not a fan of weight lifting and she says fitness has these components: 1. strength 2. flexibility 3. range of motion 4. balance She says flexibilty is the fountain of youth and her exercis...
by letsgobobby
Sun Jul 08, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5611

Re: Girls and investing

Such an interesting question. I've been teaching my kids about investing since they were born. We talk about transferring money from their bank to their UTMA and buying shares of their target date 2200 fund. We talk about how investing in index funds buys them a tiny slice of profit every time we go...
by letsgobobby
Sat Jul 07, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5359

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Firehosed. Especially for the air filters.

The others are just dealership prices.
by letsgobobby
Sat Jul 07, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3988

Re: Tipping in a hotel room/cruise ship room

Last year, I saw a YouTube where a UK national was hired on a major cruise line as an assistant waiter. He managed to stick it out for about ten weeks. When you considered his salary and his tips, less the money that he was charged for living expenses, uniform fees, and several other charges. he ma...
by letsgobobby
Sat Jul 07, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3988

Re: Tipping in a hotel room/cruise ship room

Cruises have the nice feature that they tell you up front what expected gratuities are. They also automatically add them to your room charges at the end of your trip. You have the option of changing those amounts; you also have the option of taking those amounts in cash and putting the money in enve...
by letsgobobby
Sat Jul 07, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5310

Re: How to tip

In my area staff is paid the minimum wage, which is $11.50 in one state and $12 in another, and going to $15 in a couple years. I pay 13-15% of pretax amount and will trend to 10% when we get to $15. In other locations with a non living wage minimum wage I still tip 15-18% unless the service is abov...
by letsgobobby
Fri Jul 06, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6198

Re: Older Women Lifting Weights

Great plan. As others said don't abandon progressive resistance just because you must use bodyweight. The principle of progressive overload still applies. You only get stronger by asking your muscles to lift more weight.
by letsgobobby
Fri Jul 06, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5455

Re: Going solar?

Calculate your breakeven date and decide. It all depends on your costs, your electric usage, your electricity costs, your state incentives, etc. Only you know these data. We recently paid about $1100 per kW. However the federal tax credit knocks off 30%. State incentives will knock off another 40%. ...
by letsgobobby
Fri Jul 06, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6198

Re: Older Women Lifting Weights

I lift very light weights. I'm 69 and seem to be on a permanent plateau. Whenever I've tried to ramp up the pounds, I injure myself usu with tennis elbow. But I think it's kept me from becoming a flabby stoop shouldered old lady. So far. A bit of ankle weight helps with therapy for my knee (quads) ...
by letsgobobby
Fri Jul 06, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1779

Re: Cane Toad Hell: Any Remedies?

How good are you with a bb gun? Seriously. I can’t imagine that toad sounds rise to the level where we should kill them. Eventually, we will have to pipe in sounds of nature, and all that will be left is an overmediated Disney-fied environment. Does the OP live in Costa Rica? If the cane toad is no...
by letsgobobby
Thu Jul 05, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on Tax Savings
Replies: 7
Views: 674

Re: Need advice on Tax Savings

Lesson for all, knowing your retirement plan inside and out should usually be something you insist on before accepting the job offer. My excellent retirement plan lured me away from another job which paid more cash compensation.
by letsgobobby
Thu Jul 05, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4045

Re: Is there a current car without a console between the front seats?

I see a few but they are all SUV's/trucks. Will it be more burdensome physically to open the front passenger door and place the carrier there and to go then seat yourself? It's probably less difficult then getting on your knees to scoop up cat litter and I assume you do that. Space is tight in the ...
by letsgobobby
Thu Jul 05, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6198

Re: Older Women Lifting Weights

Volume as in amount. Lingo for quantifying "how much". After messing around with weights for 25 years, I did the barbell prescription method for three months and deadlifted and benched more than I ever had. I think with a good coach nearly everyone can benefit from getting stronger, truly stronger, ...
by letsgobobby
Thu Jul 05, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4600

Re: bike helmets

Ive biked in Copenhagen, we have many of the same features, but Copenhagen has probably 100x the protected bike Lanes. It would be nice if all streets had a protected bike lane... But I don't see that ever happening in any US city. Land of the cager. Maybe. But in my earlier post, I mentioned that ...
by letsgobobby
Thu Jul 05, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6198

Re: Older Women Lifting Weights

The video I see is of a sumo DL. ton of weight, but different exercise than a DL. Shorter distance to pull, and more favorable back angle. Easier exercise. Just sayin.
by letsgobobby
Wed Jul 04, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6106

Re: Do We need health insurance??

Here are our particulars: I am 53. Wife is 59. Both of us are retired. Both of us are in good health currently. Children graduated from college and will be insured via their employer very soon. We have above $14 million in liquid assets, with 1/3 in cash. We do not currently have health insurance. ...
by letsgobobby
Wed Jul 04, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6554

Re: Walking Coast-to-Coast

it’s wonderful - mazel tov! When I got my first real job at age 29, the first thing I told my boss is I wanted to retire early so I could walk coast to coast. He laughed and said, “You know, things start to hurt as you get older.” I can see his point 15 years later. But I still dream it. I have done...
by letsgobobby
Wed Jul 04, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12079

Re: Expected returns for 80/20 stock bond for next 10 years.

BogleBoogie wrote:
Wed Jul 04, 2018 6:13 pm
For those who will be in accumulation phase for the next 10 years, a lower return (3-5%) isn't necessarily a bad thing, correct? Or am I missing something?
I agree. I'd actually like to see -5% real, if only I can be promised the world will recover immediately after.
by letsgobobby
Wed Jul 04, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5915

Re: Any Boglehead powerlifters?

despite having no more L4-L5 disc due to degeneration, and facet arthropathy, my pain mostly disappears when I regularly deadlift. If I have to take a few months off, as I did for a shoulder injury this spring, my back got much worse to the point of almost needing injections again. Fortunately i got...
by letsgobobby
Wed Jul 04, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5915

Re: Any Boglehead powerlifters?

I don't think running marathon is good for the body, and I've run several. I also don't think exclusive powerlifting is adequate for good health. Some combination is likely best for most. Leaving it there given forum policies, etc.