Search found 62 matches

by johnegonpdx
Mon Feb 08, 2021 7:17 pm
Forum: Personal Investments
Topic: How do you stay the course?
Replies: 79
Views: 6353

Re: How do you stay the course?

Experience is a great teacher.
So is history.
You just have to be a willing and attentive student.
by johnegonpdx
Sun Feb 07, 2021 9:11 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 9936

Re: What are your staple healthy meals?

One more: simple miso soup bring to a boil diced daikon & carrots in a hondashi broth. take it down to a simmer and add cabbage, bean sprouts. mix in several spoonfuls of miso. add diced tofu. have a container of finely chopped green onions to garnish when you serve. just made a stock pot of it ...
by johnegonpdx
Fri Feb 05, 2021 9:03 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 9936

Re: What are your staple healthy meals?

Tom yum vegetable soup.
Vietnamese cold noodle salad.
Vietnamese chicken salad.
Spicy edamame salad.
Cold ginger chicken.

Be happy to post the recipe for any of them. They are very simple to make.
by johnegonpdx
Wed Jan 27, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: What are your DIY Home and Hobby Projects to Save $$$ and/or Have Fun?
Replies: 105
Views: 8438

Re: What are your DIY Home and Hobby Projects to Save $$$ and/or Have Fun?

I'm slowly killing off my lawn and replacing it with draught tolerant shrubs that attract pollinators (lavender, rosemary, etc.). I also grow vegetables & herbs from seed and have a modest garden.
by johnegonpdx
Sat Jan 09, 2021 5:41 pm
Forum: Investing - Theory, News & General
Topic: Do you have FOMO (Bitcoin, TSLA, whatever?)
Replies: 201
Views: 12748

Re: Do you have FOMO (Bitcoin, TSLA, whatever?)

I have FOMR (fear of miscalculating risk).
by johnegonpdx
Sat Jan 09, 2021 5:39 pm
Forum: Personal Investments
Topic: How can I teach my 5 year old daughter about investing?
Replies: 109
Views: 5075

Re: How can I teach my 5 year old daughter about investing?

I would concentrate on:

1. the difference between a "want" and a "need."

2. the power of saving and the value of patience while saving.


That is plenty, and a solid foundation up which to build as she matures.
by johnegonpdx
Thu Dec 31, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Have I Been Overpaying Amazon?
Replies: 98
Views: 7241

Re: Have I Been Overpaying Amazon?

We routinely comparison shop across the following:
- amazon / whole foods
- walmart
- target
- bestbuy
- krogers

It is easy to do so, and after a while, you get a sense of which option usually provides the best price (and when) for a particular item or product category.
by johnegonpdx
Wed Dec 30, 2020 2:21 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1426
Views: 84995

Re: What are you listening to now

I like Bill Evans when I read, AC/DC when I drive, and Bill Burr podcasts when I walk.
by johnegonpdx
Tue Dec 29, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 62
Views: 9585

Re: How to climb up in a megacorp

Get around: be a thought leader in your areas of expertise outside your company; take assignments that put you on industry bodies. No shortage of these opportunities at a large corporation. Take risks: build a reputation as a go-to, creative troubleshooter for difficult decisions that others just st...
by johnegonpdx
Tue Dec 29, 2020 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Shopping for an Estate Planning Lawyer
Replies: 34
Views: 1945

Re: Shopping for an Estate Planning Lawyer

My only suggestions are: 1. Focus, maybe limit your search to firms that specialize in estate planning and related fields (trusts, special needs, elder law, probate, guardianship, etc.) 2. Use the initial consultation session with the lawyer to get a real feel for their areas of experience / experti...
by johnegonpdx
Mon Dec 28, 2020 9:44 pm
Forum: Personal Investments
Topic: Yet another emergency fund question
Replies: 26
Views: 1925

Re: Yet another emergency fund question

I would treat the taxable investment account as something I want to protect from untimely liquidation. I would consider any emergency as untimely. Therefore, I would create a reserve / emergency fund separate from the investment account. As for how much of a reserve you need, that really depends on ...
by johnegonpdx
Mon Dec 28, 2020 1:56 am
Forum: Personal Consumer Issues
Topic: Tips for Frugal Living
Replies: 284
Views: 27058

Re: Tips for Frugal Living

Volunteer. You'll spend less time consuming.
by johnegonpdx
Sun Dec 27, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16053

Re: 2020: Lessons learned

I can live a much simpler life and still be very, very happy.
In the process, I can save and invest more than I originally thought I could.
by johnegonpdx
Sun Dec 27, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 157
Views: 13557

Re: What are your not free but still frugal hobbies?

Gardening. I'm about to dive into the Oregon Master Gardening course and certification program. Considering the Master Naturalist program too.
by johnegonpdx
Sun Dec 27, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 521
Views: 44124

Re: What is your age and asset allocation ?

I'm 50 (and I like to kick, stretch and kick).

75% Stock + 25% Bond + 5 year reserve.

For stocks . . .
- heavier on mid & small cap than VTSAX.
- 20% foreign (of which 70% developed, 30% emerging)
- 10% real estate
by johnegonpdx
Sat Dec 26, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6434
Views: 1438953

Re: What Movie Have You Recently Watched?

WW84 on HBOMax . . .
by johnegonpdx
Sat Dec 26, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's your favorite phone app for personal finance?
Replies: 48
Views: 4493

Re: What's your favorite phone app for personal finance?

Credit card & bank account apps. I like looking at my latest charges, withdraws and balances on a regular basis. In my much younger years I picked up the habit of staying away from debit & credit card swipes as much as possible and physically removing paper currency from my wallet. Made me m...
by johnegonpdx
Sat Dec 26, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39259

Re: What kind of car do Bogleheads like to drive?

2010 Highlander (me) 2013 Prius V (spouse) 2016 Mazda3 (son) We're a "replace no sooner than 10 years or 100k" type family. Got the rule of thumb from my dad. That said, the Highlander is running really well, and my wife hardly uses the Prius (super low mileage). So, we're probably going t...
by johnegonpdx
Sat Dec 26, 2020 11:08 am
Forum: Personal Investments
Topic: Exit out of Edward Jones
Replies: 25
Views: 3131

Re: Exit out of Edward Jones

Glad you're out. A little more than 10 years back, I got curious and went through an EJ pitch from a local broker. At the time, I was already using index funds for all my investment accounts (Fidelity 401k, Vanguard Roth, Vanguard post-tax). I wanted to see how strong their argument was against inde...
by johnegonpdx
Sat Dec 26, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8823

Re: Turbotax on Sale Today Only

Thank you. Just purchased our copy.
by johnegonpdx
Sat Dec 26, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11413

Re: What NON-frugal thing did you do today?

Gave our dogs a meal of lean hamburger.
by johnegonpdx
Wed Dec 23, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: What are your Post COVID Vaccine Plans?
Replies: 16
Views: 1459

Re: What are your Post COVID Vaccine Plans?

NBA playoffs and a trip to Japan. Not sure in which order at this point.
by johnegonpdx
Wed Dec 23, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18406

Re: What is the Worst Financial Decision/Mistake You Have Made?

In my 20's, I inherited a small portfolio of old school stock from my grandparents (S, IBM, MS, PCG, etc.). Low 5 figure value. I let a family friend who was a broker manage it for me, and I let the portfolio flounder around for a number of years. Thankfully, I discovered Bogle, Kobliner, Tobias, et...
by johnegonpdx
Thu Dec 17, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: How America Invests: Vanguard data
Replies: 56
Views: 4349

Vanguard 2020 Report on Investor Behavior

[Thread merged into here, see below. --admin LadyGeek]

Probably something most of you already started reading, but JIC . . .https://personal.vanguard.com/pdf/how-a ... s-2020.pdf
by johnegonpdx
Tue Dec 08, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What should a 23 year old consider before purchasing a Tesla?
Replies: 264
Views: 13508

Re: What should a 23 year old consider before purchasing a Tesla?

Suggest you increase your savings instead and: 1. build up an emergency fund that can cover your expenses for at least 1 year (2 would be ideal). 2. grow a taxable portfolio with about a 5-7 year investment horizon. By the time you near 30, trends in technology and public policy could reshape your c...
by johnegonpdx
Fri Nov 20, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: estate planning, why minors = hire attourney?
Replies: 17
Views: 1294

Re: estate planning, why minors = hire attourney?

Having a law firm manage our estate plan has been a great investment. 1. they understand our situation, goals and priorities intimately. 2. they customize our legal plans accordingly. 3. they propose changes to our plans as federal and state law, interpretations of the law, and procedures executing ...
by johnegonpdx
Tue Nov 10, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20158

Re: Is Costco worth the $120 membership?

We tried Costco membership twice, and the numbers never really worked out for us. We found better deals on staples at other stores in the area (Safeway, Walmart, Winco, Fred Meyers, even QFC and Trader Joe's). We don't really consume enough to buy in the bulk sizes they offer. And we are not really ...
by johnegonpdx
Tue Nov 10, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178619

Re: What frugal thing did you do today?

Food frugality 101: 1. We try to shop and cook according to what is on sale at the local grocery store, and tend to cook in volume. We have simple tastes and are fine eating the same dish multiple times throughout the week. Just made a big pot of miso soup (with tofu, cabbage, mushrooms, daikon, car...
by johnegonpdx
Sun Nov 01, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Can I afford luxury watch?
Replies: 87
Views: 3659

Re: Can I afford luxury watch?

If you are interested, monitor crownandcaliber or reputable sites like it to see if a good deal comes up on a used model. example: used seamaster $2.2k https://www.crownandcaliber.com/products/omega-seamaster-300m-212-30-36-61-01-001-10-10-ome-1ch9dq If a low-end luxury watch at used prices is still...
by johnegonpdx
Wed Oct 28, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85488

Re: What lifestyle creep made you happier?

Getting really good seats at NBA games (pre-COVID, obviously). Sitting next to my son and sharing in the agony and ecstasy of it all has been great. We sat courtside a number of times, which was another level of amazing.
by johnegonpdx
Tue Oct 13, 2020 4:49 pm
Forum: Personal Investments
Topic: Index Fund Advisors' wealth management services?
Replies: 1
Views: 376

Index Fund Advisors' wealth management services?

They seem aligned to BH philosophy, and their online tools and tutorials have always proven at least stimulating and somewhat insightful to me in the past. I'm looking for a service that my wife might rely upon if I become incapacitated or die prematurely. Also want a trustworthy advisor for my kid ...
by johnegonpdx
Tue Oct 13, 2020 2:56 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with not beating the market?
Replies: 142
Views: 11177

Re: How do Bogleheads cope with not beating the market?

I define my financial goals in terms of increasing financial security for my family in the near and long-term. I measure success not in terms of beating a performance benchmark, but in terms of self-discipline over things I can directly control like: 1. savings rate 2. expenditures 3. debt 4. invest...
by johnegonpdx
Sun Oct 11, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: Who here uses a financial advisor?
Replies: 35
Views: 3371

Re: Who here uses a financial advisor?

I don't, but may decide to start using one in the near future. I am still looking for a firm / person whose investment philosophy, areas of expertise, and fee structure are aligned with my needs. I am comfortable continuing to DIY for the near-term, but I do want someone that my wife (who is uninfor...
by johnegonpdx
Sun Oct 04, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Target Savings?
Replies: 64
Views: 8094

Re: What is your Target Savings?

Turns our we are saving about 30% of our total income. We have maxed out our contributions to all available tax advantaged investments. On-track to build a healthy cash reserve in case things go really sideways. Once we have our liquid / low volatility coffers reasonably full (I'm trying make my fam...
by johnegonpdx
Sun Oct 04, 2020 11:40 am
Forum: Personal Investments
Topic: What is your 529 AA?
Replies: 22
Views: 1504

Re: What is your 529 AA?

100% Vanguard Short-Term Bond Index Fund Institutional Plus. My kiddo is halfway (I hope) through undergrad, so we are still feeding the fund for the state tax benefit, but keeping the value as stable as possible and regularly withdrawing to pay for his expenses.
by johnegonpdx
Fri Oct 02, 2020 8:50 am
Forum: Personal Finance (Not Investing)
Topic: How well did you predict your income growth?
Replies: 52
Views: 4176

Re: How well did you predict your income growth?

I never tried to do so. Simply focused on doing interesting and valuable work. Financially, I spent most of my time thinking about how to increase savings, build a cash reserve / emergency fund, invest wisely for the long haul, and be properly insured for my family.
by johnegonpdx
Fri Aug 28, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 17102

Re: Do you talk to your friends/family/coworkers about this stuff?

I talk about it with my family only. But I've found it helpful to frame discussions carefully Focus on: - financial security needs - financial freedom aspirations - time horizons - risk-return tolerance. - cost efficient investing - tax efficient investing - strategies & options Avoid: - absolut...
by johnegonpdx
Fri Aug 28, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10953

Re: How long could you live off your portfolio if the worst happened?

13.5 years on cash + investments.
19.0 years if I sold off my home and started renting at around the same monthly expense for mortgage + insurance + property tax escrow.
That was a surprisingly interesting exercise.
Thanks.
by johnegonpdx
Thu Aug 27, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9548

Re: Whose being naughty and keeping some dry powder around?

I've always had a rather large cash reserve, and I'll admit to having grown it considerably over the past several months. However, I did so by pulling way back on non-essential spending while keeping contributions into my investment portfolio steady. I grew my reserve in order go safeguard the near-...
by johnegonpdx
Sun Aug 09, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: War chest size needed for major a career transition
Replies: 6
Views: 1255

War chest size needed for major a career transition

Hello. I'm interested in thoughts on the financial reserves needed to manage through a career transition without drawing down on your long-term investment portfolio. To me: Younger (20's and 30's) = 2 years of living + education expenses. Older (40's and 50's) = 5 years of living + education expense...
by johnegonpdx
Sun Aug 09, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: how to make old paper financial documents unreadable for recycling?
Replies: 14
Views: 1108

Re: how to make old paper financial documents unreadable for recycling?

Shred and toss. The amount of ID theft and "social engineering" scams that leverage old personal information is such that the net benefit to society is highest when you destroy personal data no longer needed. The opportunity cost of recycling wood-based products doesn't compare, IMO.
by johnegonpdx
Thu Jul 30, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust Taxes and Distributions
Replies: 22
Views: 2018

Re: Special Needs Trust Taxes and Distributions

No advice to add; just want to write that you are good person for taking on this responsibility for your brother. I am the parent of a severely disabled daughter who will need someone like you when my wife and I die. Like your parents, we have set up a special needs trust in our estate plan, and are...
by johnegonpdx
Wed Jul 01, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 17416

Re: What is the best financial decision you ever made?

top 3 1. Put off using credit cards until my late 20's and always paid off my balance once I started. 2. Ignored the sales pitches to buy a larger than needed 1st home in the early 2000's by using an ARM with a sweet teaser rate. 3. Dropped my broker and brokerage account at MSDW in the early 2000's...
by johnegonpdx
Tue Jun 23, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Severance Package Concern - Update #4 and Thank you All
Replies: 97
Views: 7978

Re: HELP: Severance Package Concern

I've seen folks adjust separation dates by using state laws regarding accrued vacation days, personal or family medical leave allowances, etc. An attorney should help you identify if there are current benefits and policies down in the details of your employment agreement and your state's statutes th...
by johnegonpdx
Mon Jun 22, 2020 10:25 am
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2581

Re: Should I ever hold ESPP until a qualifying disposition?

Consider the ESPP as a half year CD with an unbeatable rate. Take the cash. If you want to gamble on a single company stock over a short time horizon like a year, go look at the entire market, not just your company, and lay your bet.
by johnegonpdx
Sat Jun 20, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32898

Re: Really hard to avoid "Keeping up with the Joneses"!

On the one hand, I like that most other people are chasing each other to consume conspicuously. On the other hand, I'm mindful that it is far better for me to find happiness with the minimal outlay of $ possible. So, I'm conflicted.
by johnegonpdx
Fri Jun 19, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 13278
Views: 1026441

Re: U.S. stocks continue to soar!

"hang on lady, we're going for a ride . . ."