Search found 82 matches

by GreenLawn
Mon Oct 19, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 282
Views: 16823

Re: Items that are worth the money for the quality

Subscription to Wall Street Journal.........been getting it for 25+ years and enjoy it. :sharebeer Absolutely! Constant battle to keep the price down as they want to keep raising it. I don't read the editorial section since Murdoch bought them, but the other sections of the paper are outstanding an...
by GreenLawn
Mon Oct 19, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 282
Views: 16823

Re: Items that are worth the money for the quality

If you're a gamer, it's inarguable Windows has a lot more games available. For processing intensive tasks, Mac's are incredibly slow compared to an equivalent price point Windows machine. I personally find MAC's harder to use and less intuitive than Windows. I do realize to some people Apple is mor...
by GreenLawn
Mon Oct 19, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

Here are a few of many examples of false alarms: April 2010 Time To Sell Stocks? Is the party over? Today's extreme drop is scary. Is it only the beginning? January 2013 Overvalued Equities ... US equities are 40 to 50 percent overpriced. November 2013 Advice: Should I invest when Stocks are at all...
by GreenLawn
Mon Oct 19, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

There you go, no need to change your strategy then! Bogleheads don't like change from what I've seen. Stay the course I believe the saying is.
by GreenLawn
Sun Oct 18, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

I don't believe that there are set and inflexible investing rules that everyone should always follow in all economic, personal, and market circumstances. I suspect that most market timing moves done by most investors fail to work out as anticipated. I do believe however that when significant change...
by GreenLawn
Sun Oct 18, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 282
Views: 16823

Re: Items that are worth the money for the quality

Ease of use is subjective. I agree with marshall. I’ve used HP , Lenovo and HP through work - high end developer machines. Mac is better. . If you're a gamer, it's inarguable Windows has a lot more games available. For processing intensive tasks, Mac's are incredibly slow compared to an equivalent ...
by GreenLawn
Sun Oct 18, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 282
Views: 16823

Re: Items that are worth the money for the quality

As an avid Windows/Ubuntu user (with experience on a Mac throughout my high school), I will say that for the average person, Macs (before and after the butterfly keyboard [those laptops were rubbish]) especially this year's models are 'worth it' over the average Windows machine. Windows 10 is a gre...
by GreenLawn
Sat Oct 17, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: The Wrong Way to Think About Debt - The White Coat Investor
Replies: 164
Views: 18868

Re: The Wrong Way to Think About Debt - The White Coat Investor

Debt Free= "Options" :mrgreen: One has far more options with invested assets compared to being debt free compare: $350k house with no mortgage and $100k invested Vs $350k house with $300k mortgage and $400k invested. Much more options having invested assets. Appreciate the insight. I was speaking f...
by GreenLawn
Sat Oct 17, 2020 9:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

I have no problem with folks who enjoy paying full price, most Bogleheads do. If you don't recognize last March as a sale, then you're better off with continuing with your present investing strategy. Oh, the clairvoyance, eh? So you knew the exact date in March to call the bottom and you didn’t tel...
by GreenLawn
Sat Oct 17, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

Market timing is simple. I’ve been doing it successfully since the 1990s. It’s a dirty word on BH so some posters call it rebalancing There is a fundamental difference between market timing and rebalancing. Market timing is based on an assumption that expected future returns change; rebalancing to ...
by GreenLawn
Sat Oct 17, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

Market timing is simple. I’ve been doing it successfully since the 1990s. It’s a dirty word on BH so some posters call it rebalancing There is a fundamental difference between market timing and rebalancing. Market timing is based on an assumption that expected future returns change; rebalancing to ...
by GreenLawn
Sat Oct 17, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 18509

Re: Social security. Take it at 62 [Motley Fool article]

For me it's psychological. The best years of the remaining years of my life will be my 60's. If I feel I have enough money to wait to claim and still spend freely to enjoy those early years, I'll wait to take SS. If I begin to feel doubts about spending while seeing my investment accounts decrease b...
by GreenLawn
Sat Oct 17, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 282
Views: 16823

Re: Items that are worth the money for the quality

Ease of use is subjective. I agree with marshall. I’ve used HP , Lenovo and HP through work - high end developer machines. Mac is better. . I also agree with Marshall. A MacBookPro will probably last 3 times as long as anything from Dell, HP, Lenovo, etc. Absolute nonsense. The RAM, hard drive, and...
by GreenLawn
Sat Oct 17, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 282
Views: 16823

Re: Items that are worth the money for the quality

Filson. All-Clad pots & good cast iron. Good shoes. Definitely not. You can get the same performance, in terms of graphics card, processor, and RAM, cheaper in a Windows machine. Yes but you’re assuming you are just paying for the hardware, and not the better software, ease of use, etc. Ease of use...
by GreenLawn
Sat Oct 17, 2020 6:04 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 149
Views: 11359

Re: Anybody here trying Coast FIRE?

Do you have a link to the article you read? https://www.businessinsider.com/personal-finance/why-pursuing-coast-fire-retirement-2020-10 How is this considered FIRE? RE stands for Retiring Early and I haven't seen any early retirement dates set by you or the author? Many folks only set aside 10 or 1...
by GreenLawn
Sat Oct 17, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 149
Views: 11359

Re: Anybody here trying Coast FIRE?

It should be called "Financial Independence Semi-Retire". Most of the FIRE community semi-retire into something they enjoy. The "RE" is misleading and more of a marketing gimmick to sell their material. Yes, and when you call them on it they call you the Internet Retirement Police: https://www.mrmo...
by GreenLawn
Sat Oct 17, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

Most Bogleheads have practiced milder forms of market timing, for me it is based upon valuations and is more about risk control than trying to beat the markets. I consider re-balancing as a form of market timing. That is popular on Bogleheads. Yes, I do too, but certainly rebalancing is a very mild...
by GreenLawn
Sat Oct 17, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 149
Views: 11359

Re: Anybody here trying Coast FIRE?

The acronym soup of the FIRE movement is getting a little out there. Financial independence means you don’t have to work for money if you don’t want to. I would very much consider myself a part of that movement, broadly speaking. But Coast FIRE is just changing jobs and taking longer to get to FI. ...
by GreenLawn
Sat Oct 17, 2020 8:10 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

My definition of market timing... "Whenever I have free cash, it is time to put it in the market ." This. While I think it is possible for the average Boglehead to pick and hold solid individual stocks and perhaps do slightly better than average, I have seen no evidence anyone can successfully time...
by GreenLawn
Fri Oct 16, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

My definition of market timing... "Whenever I have free cash, it is time to put it in the market ." This. While I think it is possible for the average Boglehead to pick and hold solid individual stocks and perhaps do slightly better than average, I have seen no evidence anyone can successfully time...
by GreenLawn
Fri Oct 16, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should we refinance to a 15-year mortgage?
Replies: 74
Views: 5116

Re: Should we refinance to a 15-year mortgage?

how secure are your jobs? One advantage about a 30-year mortgage is that it gives you payment flexibility should you incur some unforeseen expenses or have a job loss. You can also pay extra principal every month to pay it off in ~15 years. I'd consider paying down enough principal so you could ref...
by GreenLawn
Fri Oct 16, 2020 5:10 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5359

Re: Bogleheads are good at market timing

Market timing is easy, and it works. Buy low, sell high. If you don't need the money, don't sell, the market trends higher over the decades so when you do need the money you'll have made a bundle. But do buy low when the market crashes. Buy as much as you're comfortable spending. Don't overdo it, bu...
by GreenLawn
Sun Sep 20, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 188
Views: 19299

Re: Is anyone waiting until after the election?

Less than 2 months away, if you'll feel better by waiting, go ahead. I'm anticipating some volatility, but have no idea whether it'll trend up or down.
by GreenLawn
Sun Sep 20, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15311

Re: Is Costco worth the $120 membership?

If you have another bulk membership club closer to you (ie Sam's Club) - then the answer is NO. I have a Sam's Club that is 1 mile away and a Costco that is 8 miles away. I tend to always go to Sam's Club. Having said that - there are some products that Costco has, that Sam's doesn't. I found that ...
by GreenLawn
Sat Sep 19, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15311

Re: Is Costco worth the $120 membership?

UpperNwGuy wrote: Sat Sep 19, 2020 8:39 pm
— I find that Costco caters to lowest common denominator tastes. I much prefer the products at my nearby Whole Foods.
Ever shopped at Dollar Tree or Walmart? Not even close to being lowest.
by GreenLawn
Sat Sep 19, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15311

Re: Is Costco worth the $120 membership?

We love Costco. BUT we love our Costco in Wisconsin. When we lived in NJ, the Clifton Costco was not such a joy: very crowded, long lines, not helpful and no in-house wines. We buy gas, steaks, nuts, frozen seafood, batteries, eyeglasses, and whatever else catches our fancy. Not our primary grocery...
by GreenLawn
Sat Sep 19, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15311

Re: Is Costco worth the $120 membership?

When we needed a TV, the price with tax at Costco was cheaper than the base exchange, even after sales tax. Looking for a 55" TV now. Best Buy: https://www.bestbuy.com/site/samsung-55-class-7-series-led-4k-uhd-smart-tizen-tv/6401735.p?skuId=6401735 Costco: https://www.costco.com/samsung-55%22-class...
by GreenLawn
Sat Sep 19, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15311

Re: Is Costco worth the $120 membership?

If I go at least 3 times a year for any reason, or purchase anything on line, it is well worth it. Costco is American consumerism at its best, love to see high quality stuff stacked high. Walking through Costco is exploring canyons of goodness. As someone who grew up lower middle class, I enjoy just...
by GreenLawn
Fri Sep 18, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20276

Re: Your "at peace" moments.

Kicking back in bed with my iPad, sampling another delicious serving of non-fiction with a steaming cup of coffee topped with whip cream in my hand.
by GreenLawn
Fri Sep 18, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Anyone REGRET retiring too soon?
Replies: 67
Views: 13207

Re: Anyone REGRET retiring too soon?

peetsperk wrote: Fri Sep 18, 2020 3:02 pm My only regret is not doing it sooner. Life is short. Enjoy it while you still can. :sharebeer
+1. Would have loved to retire sooner, but my lottery tickets never paid off :annoyed
by GreenLawn
Fri Sep 18, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Pretending to enjoy sports for business/social reasons
Replies: 83
Views: 4836

Re: Pretending to enjoy sports for business/social reasons

I don't hate sports, but I dislike the thoughtless, often obnoxious way it takes over family holidays and gatherings. I think it's very disrespectful to family members who aren't interested. We gather with my husband's extended family for birthday dinners and holidays meals at various homes and the...
by GreenLawn
Thu Sep 17, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 106
Views: 14600

Re: Anybody else enjoy sitting around and doing little in retirement?

Fascinating thread, thanks for posting this! I had no idea that people who make so much, work so little. Just assumed that professionals were busy 80+% of the time. I have a burning curiosity so am constantly learning and analyzing. However, to an observer I just read a lot and sit at the computer....
by GreenLawn
Thu Sep 17, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 106
Views: 14600

Re: Anybody else enjoy sitting around and doing little in retirement?

Another thread makes it appear that many BHs have a lot of experience doing little even while “employed.” https://www.bogleheads.org/forum/viewtopic.php?f=2&t=288693 Fascinating thread, thanks for posting this! I had no idea that people who make so much, work so little. Just assumed that profession...
by GreenLawn
Thu Sep 17, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13156

Re: Grocery store didn't tell me Shingrix was $160

Almost nothing I get done via healthcare do they "tell" me the price upfront. That includes x-rays, CT scans, MRIs, lab tests, prescriptions (they tell me at the register when it is time to pay), etc . Like anything, if you are concerned about the price, ask. I just got an EOB yesterday from a lab ...
by GreenLawn
Thu Sep 17, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51372

Re: How to get over finance envy

I don't live around or hang out with affluent folks so I don't have occasion to be envious. I live in a safe, moderate income neighborhood and shop at moderate income stores. Seems like I've saved myself a lot of stress after reading these comments. Or maybe I just don't care about expensive cars, ...
by GreenLawn
Wed Sep 16, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13410

Re: Is it worth to relocate for retirement?

Savings would come from being able to buy a comparable home for about 20%-30% less, and either significantly lower property taxes (in some cases 70%-80% less) with a similar or lower state tax or a higher property tax (still 40-50% less) and no state tax. Here is my problem. After decades of sacrif...
by GreenLawn
Tue Sep 15, 2020 1:58 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6500

Re: Jane Bryant Quinn, stock allocation before / after retirement

As often noted here, Big ERN at Early Retirement Now has an excellent series on withdrawal rates at his site. The man knows his number-crunching. He did a couple of posts on this rising equity glidepath concept and did some modeling of the results. His research is geared toward early retirees, but ...
by GreenLawn
Tue Sep 15, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 3112

Re: Caretaker for parents?

So, to follow up (and this is NOT medical advice; this is very much financially actionable, because there was no way that I or either of my siblings could quit our jobs to care for mom)... My mom started to become increasingly...worried and anxious about everything around the time she got to her la...
by GreenLawn
Tue Sep 15, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 3112

Re: Caretaker for parents?

One more thing. In managing my mom's dementia, the best treatment, explanations and support we got came from a series of geriatric psychiatrists. I would get one on the "team" from the outset. This is NOT medical advice. We would have saved a TON of mom's money spent on a very ill-advised placement...
by GreenLawn
Tue Sep 15, 2020 10:01 am
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 165
Views: 15897

Re: How many bogleheads do you know in real life?

I don't know of any personally, though I'd expect FIRE devotees I follow online might follow these principles. Index funds are considered standard operating procedure as it takes smart investing to retire early, and to stay retired. Most people I know just assume they'll work full time until their 6...
by GreenLawn
Tue Sep 15, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13410

Re: Is it worth to relocate for retirement?

We've talked about moving for financial and/or weather-related reasons, but in reality there is no way I will leave family and friends who are our support network. Besides, most of the warm-weather areas have things I want nothing to do with: alligators, poisonous snakes, humidity, very hot summers...
by GreenLawn
Mon Sep 14, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any different financial considerations/rules for a childless couple?
Replies: 95
Views: 9607

Re: Are there any different financial considerations/rules for a childless couple?

I agree if optimal care is the goal. Just as in achieving an optimal education where the family can exert a powerful influence. My expectation is standard care, though I do have family that will work to upgrade that when possible. I will be looking for a thread discussing assisted living or nursing ...
by GreenLawn
Mon Sep 14, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any different financial considerations/rules for a childless couple?
Replies: 95
Views: 9607

Re: Are there any different financial considerations/rules for a childless couple?

There can't really be a good solution that doesn't involve someone who actually cares about you, and willing to work on your behalf to pursue your interest. This is a good summary of the issue. In the absence of such a person (who also has to be incorruptible) an incapacitated person is in a bad si...
by GreenLawn
Sun Sep 13, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: how to decide whether to self-insure LTC or buy insurance?
Replies: 10
Views: 903

Re: how to decide whether to self-insure LTC or buy insurance?

Also going through the research now. I have enough money to self-insure except for a long drawn out event like Alzheimer's, car crash permanent disability, etc I've read enough that I don't feel in a hurry to purchase it until I come to a firm conclusion years from now. With the massive wave of boom...
by GreenLawn
Sun Sep 13, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: FuboTV, or other NFL Options?
Replies: 13
Views: 958

Re: FuboTV, or other NFL Options?

NFL Game Pass is awesome, it is commercial free. I detest commercials, and NFL games are infested with them. Game Pass has every game of every team in the country, all the NFL football you could possibly want. And they even have an archive of previous years.
by GreenLawn
Fri Sep 11, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13690

Re: Thoughts on Tennessee

Except for 4 years in Kansas and 1 year in Kentucky, I've lived my entire life in TN. A couple of things first, 1) Deliverance was set in North Georgia North Georgia, Western NC, and Eastern TN...same location...all with nice mountains. When Burt Reynolds broke his leg (Wikipedia says that he broke...
by GreenLawn
Wed Sep 09, 2020 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any different financial considerations/rules for a childless couple?
Replies: 95
Views: 9607

Re: Are there any different financial considerations/rules for a childless couple?

There is more to the pricing of a house than its size. And there are more things to do with bedrooms than to fill them with kids. Without children to care for, someone may have time for more hobbies that require more space... +1 Retired, no kids - entire upstairs is a quilt studio for the DW. She h...
by GreenLawn
Wed Sep 09, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any different financial considerations/rules for a childless couple?
Replies: 95
Views: 9607

Re: Are there any different financial considerations/rules for a childless couple?

Some of the things I'm thinking of are whether if we do decide to buy a house we might be okay with spending a slightly larger percentage of our income on home expenses since we'll never have to take into account things like daycare. I would go with spending less money on housing if you never plan ...
by GreenLawn
Wed Sep 09, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 128
Views: 6445

Re: Please help me, need to buy a computer

I bought a Chromebook for my girlfriend. I'm good with computers, but I didn't want to deal with the maintenance hassle of Windows for someone who tends to click on anything that looks interesting on the internet. She has a separate computer just for financial websites (as do I), an old Windows lapt...
by GreenLawn
Wed Sep 09, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any different financial considerations/rules for a childless couple?
Replies: 95
Views: 9607

Re: Are there any different financial considerations/rules for a childless couple?

Elder care is not a reason to have kids. Also, I question the notion that it's rare for anyone other than kids to act as caring decision makers for childless seniors. There are many, many cases of elders having exceptional support from their friends and.extended family, especially since they have m...