Search found 153 matches

by Chris001122
Sun Mar 18, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 2637

Re: TV and set up recommendations for above fireplace

That arrangement might not be best for ergonomics. You'll have to crane your neck upward to watch the TV. I think the line of sight should be a straight line which is parallel to the floor. I have also heard the ideal viewing distance is 2 times the diagonal length of the TV. If the TV is 45 inches ...
by Chris001122
Sat Mar 17, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Accounts - Son got full scholarship!
Replies: 54
Views: 5612

Re: Help with 529 Accounts - Son got full scholarship!

Congrats to you and your son. I also warn about potential change if he decides military is not for him. He may want to leave. Also, the ROTC scholarship may not be as "full" as you think. I was awarded a "full scholarship" at graduation from the Air Force but it was really full tutition and books. I...
by Chris001122
Tue Mar 06, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to delete/diminish/replace Quicken and minimize time tracking finances?
Replies: 45
Views: 2839

Re: How to delete/diminish/replace Quicken and minimize time tracking finances?

Mint.com categorizes expenses automatically by payee. Saves me a lot of time. Then I download once a month to Excel, add the category totals and put into budget. Two hours a month tops.
by Chris001122
Tue Mar 06, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing! / 401k Advice
Replies: 17
Views: 1371

Re: New to Investing! / 401k Advice

If you are 31, one option is to hold your age in percentage of bonds (31%) with the rest in a good, low cost stock mutual fund like VTSAX. You can make 25% of the stock into international if you like that. Then rebalance every year since you get older each year. Keep raising the bond % with your age...
by Chris001122
Wed Feb 07, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5824

Re: What time do you go to work?

7:15 a.m.
by Chris001122
Thu Feb 01, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2547

Re: Wireless Earbuds For Running (Updates for 2018?)

Consider this the 3rd or 4th endorsement of the Bose soundsport wireless headphones .
by Chris001122
Sun Jan 28, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Should I join my local Freemasons?
Replies: 31
Views: 5212

Re: Should I join my local Freemasons?

No. Do not.
by Chris001122
Sat Jan 13, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 32980

Re: Anyone tired of the stock market going up?

"When the market is fearful, be greedy, and when the market is greedy, be fearful." Paraphrased from Warren Buffett. I take comfort in that I have about half of our stock and bond investments in bonds. When the market corrects, we will be safer as a result. I also don't dare go all stocks at this po...
by Chris001122
Sat Dec 16, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10546

Re: How much do you spend on food per month, per person?

Now about $450 for grocery and eating out, but we were at $150 a person for groceries years ago when we were on one income. Ate out once a week back then.
by Chris001122
Fri Dec 01, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 4372

Re: Should I keep the new iPad I bought or return it?

I had a period where I did not use my iPad and it sat. Later, I got a Samsung note tab a, Under 300 dollars and has a pen with wrist rejection. I use it in bed, kitchen table, it's useful. Sold my iPad when I boycotted apple a year ago.
by Chris001122
Sat Nov 25, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 11844

Re: Do you meditate?

Bulldawg wrote:
Wed Nov 15, 2017 10:10 pm
Longtermgrowth wrote:
Tue Nov 14, 2017 3:51 am
I pray, but do not meditate. I view the two as polar opposites. Since discussion of religion or anything spiritual isn't appropriate on a financial forum, I can't elaborate.
+1
^
by Chris001122
Thu Nov 23, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: College 529 Analysis
Replies: 19
Views: 2360

Re: College 529 Analysis

I track both of my 529s monthly to see the balance and graph it. I compare this to a figure that represents the amount I expect to need based on the child's current age. It makes me feel better if the balance is at or above where it should be for that month. I also post these graphs monthly on the f...
by Chris001122
Sun Nov 12, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 2225

Re: First "real" job with 401(k), HSA and higher income. Any advice?

Lots of smart folks here amd their advice may be even better than mine, but that said, I do have a decent portfolio and +$1M net worth. I might help you some. My takeaways on a quick glance: 1. Asset allocation. I can't tell 100%, but it seems you have 13% in bonds. I believe you should have closer ...
by Chris001122
Thu Nov 09, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1447

Re: Best mobile Family Plan for 4 Lines?

4 tracphones
by Chris001122
Thu Nov 09, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7108

Re: Interviewing at a former employer, should I give them my current salary when they ask?

Yeah tell them. Try to keep it to a range of what you will take. Try to have another offer at same time. If they don't match it, walk. Did that once, felt GOOD.
by Chris001122
Thu Nov 09, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 40940

Re: Did you tell anyone you paid off your mortgage?

Just people who ask. Not many.
by Chris001122
Sun Nov 05, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 35278

Re: WSJ Digital Subscription - a bargain!

I have the WSJ introductory rate of $12 for 12 weeks right now. I would continue to pay that if they let me, but I won't pay the full digital price. I subscribe to my local paper for $7.74 per 4 weeks. That comes with a digital Washington Post subscription. I think I get my money's worth from the 3...
by Chris001122
Sun Nov 05, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 35278

Re: WSJ Digital Subscription - a bargain!

I have the WSJ introductory rate of $12 for 12 weeks right now. I would continue to pay that if they let me, but I won't pay the full digital price. I subscribe to my local paper for $7.74 per 4 weeks. That comes with a digital Washington Post subscription. I think I get my money's worth from the 3...
by Chris001122
Sun Nov 05, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 2644

Re: Budgeting with significant other

We have all our paychecks go into the shared account and we follow a budget for the spending. If there is money left over at the end of the month and there usually is, I usually suggest a way to use it: 1. Sometimes we both get cash (50/50, her/me) and just spend it for fun. 2. Sometimes we put it t...
by Chris001122
Thu Nov 02, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3133

Re: New 2 comma member

Welcome aboard, Frank. Thank you for your service in the police.
by Chris001122
Sat May 13, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 25140

Re: Buying a luxury car (how dumb would it be to do this?)

I personally would not buy this luxury car. I think you could put this money towards retirement, college for your children, or paying off your home. I believe all three of those choices to be more sensible and will increase your wealth. The car will not. It will most likely go down in value over tim...
by Chris001122
Sat May 06, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 9651

Re: Stay home with kids?

I think if you hated your job it would be easier but it doesn't sound like you do. I was a stay at home dad for three years and we lost my income for those three years, but I really enjoyed being with my kids at that age (ages 1 to 5). I worked pretty hard at it, but my youngest, who was getting sic...
by Chris001122
Mon Apr 10, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 4239

Re: Buy a new honda or continue with old one

Rule #1 is kind of ridiculous. By that measure, only 5% of households in this country could ever buy a NEW car. Rule #2 makes financial sense to me, but we have to remember that for the average family making the median income of $50k it's unrealistic when basic no frills NEW family sedans cost $20-...
by Chris001122
Mon Apr 10, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 113
Views: 8002

Re: Require Access to School Records?

As a couple of others have said, the part where you said you would "cut off her funding" concerns me a bit. I don't have adult kids as we started late in life with our family. However, I am 51 and have seen a lot of good and bad. My brother-in-law had a similar attitude about not paying for kids col...
by Chris001122
Mon Apr 10, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2429

Re: Cell Plan based on an atypical use pattern

I am also a low user of cell minutes, text, and data, as well as being a frugal boglehead. Ting is what one of my friends uses. Its a really good deal if you hardly use the data and use wi-fi or Google hangouts instead of texting. I've never used it. It can get more expensive if you use the service ...
by Chris001122
Mon Apr 10, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 95190

Re: Bank of America/Merrill Edge - Preferred Rewards

They make money on the people who don't pay the card off and they are making a little on your credit card purchases becauase the retailer pays them 3% for the privilege of having your money and you are only getting 2.65% of that back. They keep 0.35% which is $350 on $100,000. I wouldn't be surprise...
by Chris001122
Sun Apr 09, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2966

Re: Cordless Vacuum Cleaners

I used to work for a vacuum cleaner manufacturer. The beater bar on vacuums is important because it can loosen hairs and dirt that suction alone cannot. The Dyson product looks like it is over-priced to me. Suggest you check out consumer reports ratings on vacuums. You can usually find the annual gu...
by Chris001122
Sun Apr 09, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: ADT / Security - dramatically lower rates
Replies: 5
Views: 2137

Re: ADT / Security - dramatically lower rates

Wow I thought $28 a month was high and went out and got SimpliSafe. They charge $14.95 a month. It's also cellular notify so the crook cannot cut your phone line to disable it. But good job on reducing it so dramatically. I did pay around $300 out of pocket to buy the simplisafe system, so paying th...
by Chris001122
Sun Apr 09, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 6136

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Buffett's endorsement probably can be credited with some of it. Tony Robbins is also talking about the low cost index fund approach in a new-ish book and on YouTube. On a personal note, I can agree that some people are getting laid off at my work and probably at other places due to globalism and low...
by Chris001122
Sun Apr 09, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 4239

Re: Buy a new honda or continue with old one

It's not the worst thing ever to buy a new car and a Honda Fit is not a super expensive car, so kudos to you on that. That said, you don't mention your income or net worth. Dave Ramsey has a couple of rules on buying cars: 1. Never buy new cars unless you have a million dollars in net worth. Before ...
by Chris001122
Wed Apr 05, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How is my situation? Becoming a Boglehead!
Replies: 17
Views: 2010

Re: How is my situation? Becoming a Boglehead!

Reduce debt with goal of eliminating it. Try Dave Ramsay's books if you need specifics, just ignore his investing allocation and choices. Open a Vanguard Roth IRA. Make sure you have bonds and not just stocks in 401k. Bond % = age, so 29% bonds, 71% stocks. Rebalance once a year to keep that ratio. ...
by Chris001122
Sun Apr 02, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 5928

Re: Where to buy new iPhone

I got a Iphone 5C online from Virgin Mobile for $600 a few years back. Sold the same phone for just under $200 on eBay 2 years later. That might be a good place to look if you want a deal, but of course, be specific about yours needing to be on Verizon. I bought a unlocked Samsung S7 at Best Buy for...
by Chris001122
Sat Apr 01, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 11718

Re: What career helped you become wealthy?

I agree with those who recommend you read (or listen to) the book, The Millionaire Next Door. It will make you rethink your assumptions about wealth. Teachers and engineers do quite well in building wealth despite being lower in income than some fields.
by Chris001122
Mon Mar 06, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: "Unshakeable," by Tony Robbins
Replies: 17
Views: 5035

Re: "Unshakeable," by Tony Robbins

I've enjoyed several of Tony's old books from the 1990s and even bought his tape set (well, got it as a gift, but I asked for it) and I went to a seminar of his in Atlanta many years ago. I think I paid $50 or thereabouts, not the $5000 that some of the events cost now. I like his work and highly re...
by Chris001122
Mon Mar 06, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 5054

Re: How much do you spend on "stuff" for kids?

you are spending much less than us on clothes and trips but way way more on books. My kids' books are usually (1) public library (we pay for it, why not use it?) (2) school library (3) free classics through Amazon on project gutenberg. I'd say nice job and you could loosen up a bit, although we star...
by Chris001122
Mon Mar 06, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 12409

Re: Did you buy SNAP?

No, I don't buy common stock anymore unless I work there and/or want the annual report each year. I have fun just doing my balancing every year or so and watching the balance go up (mostly).
by Chris001122
Tue Feb 21, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 3130

Re: Stand Up Desk

I got a varidesk (the one that is NOT the varidesk PRO). It's really nice. I love it. I seem to have paid around $300 with shipping but I think they are higher now, closer to $500 with shipping. It's really stable and holds two monitors. I used an cash award that I got at work to pay for it, so that...
by Chris001122
Sun Feb 19, 2017 12:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 69
Views: 7685

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Wow, thanks to everyone who makes this forum possible. It is certainly special to hear from everyone espeically Mr. Bogle, and Taylor and Mel and so many others! Happy 10th anniversary to the forum team. What a successful enterprise! I have always gotten very good advice here when the Boglehead's Gu...
by Chris001122
Sat Feb 18, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 51
Views: 10420

Re: Missing my Microsoft Money - any equivalents?

Mint (free), Microsoft Excel (Home version $99) and Google sheets (also free). I liked MS Money, but when it stopped working, I did it manually for awhile by downloading from the bank's site. Mint automatically assigns categories and you can change that logic which saves me a LOT of time versus the ...
by Chris001122
Thu Feb 16, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 204547

Re: Share your net worth progression

32 - $71,000 39 - $421,000 45 - $472,000 50 - $1,003,000 Rounded to the nearest thousand of course. Became a "boglehead" around 6-7 years ago. Our net worth has increased the most during this time. We don't have a mortgage to pay, and live below our means. Married, my wife and I both have in top 5% ...
by Chris001122
Sat Feb 11, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 113
Views: 15605

Re: How Much Cash Do You Actually Hold?

Minimum 6 months expenses in cash to give us money if both me and my wife lose our jobs. Hopefully, we could find something else in that time. Right now, I also have another $8000 for checking needs and another $8K for an upcoming bathroom renovation my wife wants and another $3K for summer school f...
by Chris001122
Fri Feb 03, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 7902

Re: Robocalls! -- current best call blocker?

The app "Call Control" works well on my Android phone. It has a subscription but that just gives extra features like blocking numbers you pick. The common numbers other people report are blocked with the free version, I believe. It has made a YUGE difference for me. I just found out about it and its...
by Chris001122
Sun Jan 08, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: AT&T cell: way to avoid paying for spam texts?
Replies: 21
Views: 1858

Re: AT&T cell: way to avoid paying for spam texts?

Consider switching to Tracphone? I have them as my carrier and I don't get charged for texts below my card's minimum. Plus, if I were to get too many, they don't have a way to charge me for them anyhow. I suppose they stop the texts beyond what I pre-paid for. Not 100% sure. I got 1200 texts, 1200 m...
by Chris001122
Sun Jan 08, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 7260

Re: Investing in a Masters and Ph.D?

Hey Jack I too have a friend with a PhD and I don't have one myself. I am happy for him that he finished his. I would not try to go back and get a PhD in engineering for several reasons: 1. The math was getting extremely hard to teach and hard to learn at that level. I was happy to leave with my BS ...
by Chris001122
Sun Jan 08, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: College application time coming soon. Can you recommend an SAT/ACT prep course? Or have other ideas?
Replies: 36
Views: 2426

Re: College application time coming soon. Can you recommend an SAT/ACT prep course? Or have other ideas?

I used a prep book back in the 80s but did not take any prep course outside of what my high school gave. I made a 98% percentile score and got a full tuition scholarship. One of my friends at school did take a test prep course outside high school and he got extremely close to a perfect SAT. He was P...
by Chris001122
Sat Jan 07, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: College application time coming soon. Can you recommend an SAT/ACT prep course? Or have other ideas?
Replies: 36
Views: 2426

Re: College application time coming soon. Can you recommend an SAT/ACT prep course? Or have other ideas?

mcraepat9 wrote:
tenkuky wrote:Starting 2016, there is a "new" SAT with scoring out of 1600, rather than the old 2400.
Am I that old? When I was taking the SAT, I thought it was out of 1600????
Yes, they are going back to 1600 as the top score again.
by Chris001122
Sun Dec 18, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 7203

Re: Branch from our tree fell on neighbor's house ??

Yeah, explain to them that their insurance has to pay for damage to their house. It's that simple. Your policy doesn't cover damage to their house. Explain that to them. Hopefully, they have insurance. If they want you to pay, they will have to sue you and win in court, probably small claims court. ...
by Chris001122
Sat Dec 17, 2016 2:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 11126

Re: Boglehead's newest millionaire

MoonOrb wrote:
Also, we hit the same milestone right around the same time you did. :sharebeer
Congratulations, MoonOrb! Welcome to the club!
by Chris001122
Tue Dec 13, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Will it be better to move to Schwab from Vanguard?
Replies: 23
Views: 3454

Re: Will it be better to move to Schwab from Vanguard?

Yeah, I like it that I don't get calls from Schwab, Fidelity, or Merrill Lynch. It's worse than telemarketers. You made a comment about having high stock allocation because you started late. That is risky. Suggest you read Bogleheads Guide to Investing or Jack Bogle's little book of common sense inv...
by Chris001122
Tue Dec 13, 2016 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or index invest?
Replies: 12
Views: 1960

Re: Pay down mortgage or index invest?

Pay off all other debts before the mortgage. Save 15% of your net income. If you still have money left over, start paying off the mortgage. We finished ours off 12 years ago and we just joined the two comma club.