Search found 85 matches

by mgullo
Tue Apr 10, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 58
Views: 4368

Re: In need of a new Vacuum

Hello, I am looking for a new vacuum and sort of overwhelmed by the options. I am 25, single and live in a 2BR / 2BTH condo. I dont have pets, though I may get a dog or cat soon. I hear good things about Shark and Dyson. I am curious what others may suggest here. Thanks, We have a shark rocket and ...
by mgullo
Tue Apr 10, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 4011

Re: Engineering: Quality of school vs. specialized niche degree

Engineering is absolutely a field where a good state school is plenty good enough. Engineering is a field that is based on merit, not on whose kid you met at <insert snooty Ivy League school> Thermodynamics is Thermodynamics. It doesn't matter where you go. It's taught the same way. Okay, I'll give...
by mgullo
Sun Apr 08, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 15611

Re: Ivy school education. Is it worth it?

rhornback wrote:
Sat Apr 07, 2018 8:03 pm

Completing the top 10 are:

Western Michigan University
Go Broncos! :beer
by mgullo
Sat Apr 07, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6367

Re: [When is going out to a restaurant worth it to you?]

I would say that we don't eat out very often. For us, it is more financially responsible and healthier to prepare meals at home. We will dine out or order in, though, when we want an experience, whether it is with the food or the company. In our city there are restaurants owned and operated by peopl...
by mgullo
Sat Apr 07, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 18139

Re: What can we learn from secret millionaires.

Those of us who have amassed that sort of wealth or are on track to do so should realize how fortunate and lucky we are. Yes, many of us worked hard, but we also usually had a lot of help, and caught some lucky breaks too. Luck had nothing to do with it, fortunate, depends on your perspective. Help...
by mgullo
Sat Mar 31, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 7972

Re: Grass is always greener, federal edition

I have a young child and an excellent work-life balance... I get to see my wife and kid at dinner every night (except when I'm on infrequent business travel), I rarely work on the weekends, and I can telework once a week... I like my job. It's one where I actually can say I make a difference, and t...
by mgullo
Sun Mar 18, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18363

Re: 2018 Forester vs CRV vs RAV4

Bought the Forester 2.5i 4.5 years ago when the current model redesign came out; did not have single problem with it since, delivers 30+ mpg on highways consistently when driven below 65mph. Unlike RAV4 and CRV, it has full time AWD and 2 additonal inches of ground clearane, both of which make it a...
by mgullo
Sun Mar 18, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3890

Re: Which Day Hiking Trails Do You Recommend?

Hi EGARCH, Bright Angel Trail at the South Rim of the Grand Canyon. Round Trip of 12 miles with a 3,110 drop in elevation on the way down and the same rise in elevation on the way up. Did this a few Aprils ago and it a wonderful experience. It ends at Plateau Point, which has an overlook of the Colo...
by mgullo
Wed Mar 07, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 2088

Re: Best Colorado Skiing

What is your favorite skiing area in Colorado? I've heard good things about Breckenridge, Copper, and Keystone. I've skied Winter Park, Breckenridge, Copper, Keystone, and Steamboat and have enjoyed all of them. Each of them have different things to offer whether you are an advanced or novice skier...
by mgullo
Wed Mar 07, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6830

Re: Donations to your enrolled public school

Zero also, as a matter of fact, I have never heard of anyone who donates anything to the public school system. I could think of a hundred other places that would be more deserving than that!!! OMG. You don't see the value in having good schools? Do you have kids? Even people without children or wit...
by mgullo
Sat Jan 20, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 65322

Re: What's your one big takeaway from the Crash of 2008?

srt7 wrote:
Fri Jan 19, 2018 5:38 pm
I learnt about a company called Vanguard and put all my investments in to a target retirement fund from them. So far so good.
+1
by mgullo
Wed Jan 10, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 5706

Re: Men's no iron dress shirt recommendations

I'm a fan of Charles Tyrwhitt http://www.ctshirts.com/us/homepage. I'll often get them on sale for $29.50. I'm happy with the quality, look, and longevity of shirt. Most of the ones I get are non-iron, but a few require ironing after washing. I've gotten some compliments from coworkers on their shir...
by mgullo
Wed Jan 03, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA 5 year rule
Replies: 34
Views: 2732

Re: Roth IRA 5 year rule

Given the information from the link you provided, your glib answer doesn't make any sense. I think livesoft is referencing this part of the linked article: For others, the reality is that the Roth conversion 5-year rule is a moot point anyway, because they already meet another exception to the earl...
by mgullo
Sat Dec 30, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Tea recommendations
Replies: 19
Views: 2912

Re: Tea recommendations

I like the style of tea called Lapsang Souchang; it's the kind with a smoky taste. I don't drink all that much tea and have more or less given up buying loose tea because, despite the cost savings, a half pound of tea just isn't going to stay fresh for the time it takes me to drink it. I like it un...
by mgullo
Mon Dec 25, 2017 9:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 10140

Re: My Christmas Present to You

Dear Boglehead: Seventy-three years ago on Christmas Eve, during the Battle of the Bulge, I was a 20-year old scared paratrooper in a snow-covered foxhole protecting the important transportation town of Bastogne, Belgium. The Germans had us surrounded and demanded our surrender. Our commander said ...
by mgullo
Mon Dec 18, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 7948

Re: How do Bogleheads save on eyeglasses?

https://www.zennioptical.com

I have gotten 4-5 pairs from here over the past ten years. Should probably get another soon...
by mgullo
Mon Dec 18, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 7948

Re: How do Bogleheads save on eyeglasses?

https://www.zennioptical.com

I have gotten 4-5 pairs from here over the past ten years. Should probably get another soon...
by mgullo
Thu Dec 07, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 14237

Re: Price of haircut?

Luckywon wrote:
Thu Nov 30, 2017 9:49 pm
Interested in what others on this forum spend.

I'm 51, male, pay $50 plus $15 tip.
:shock:

I pay $20 for a wash and a haircut in Chicago.
by mgullo
Wed Jan 25, 2017 11:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 14380

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Have a very Happy Birthday, Taylor, and enjoy your day!
by mgullo
Tue Jan 10, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 4581

Re: What would you do with $30k at 30 years old?

slayed wrote:
kylemerriman wrote:I do not have a 401k or 403B. Also, I am self employed with no employees. I do have an emergency fund.
I would set up a solo 401k in that case.
Get your solo 401k set up and contribute as much as you can.
by mgullo
Sat Dec 17, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 12672

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

btenny wrote:
Next time I will tell you about the car inside the house from black ice.
Tell us, Uncle Wiggley!

Seriously though, I plan to go for AWD when I get a car.
by mgullo
Fri Dec 16, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: My "sleep well at night" number seems to be changing
Replies: 49
Views: 9323

Re: My "sleep well at night" number seems to be changing

......and given what we have already saved we don't need a lot of growth in our investments but I would like to stay at least a little ahead of inflation..... Once I get what I need for retirement, I'd like to think I won't take unnecessary chances. But what one needs is different for everyone. Goo...
by mgullo
Fri Dec 16, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: "Twenty Ways To Tell If You're A Lousy Investor"
Replies: 57
Views: 7486

Re: "Twenty Ways To Tell If You're A Lousy Investor"

Bogleheads: George Sisti, editor of Vectors , is the author of one of the few e-mail publications I read. I hope you don't recognize yourself in this list: TWENTY WAYS TO TELL IF YOU'RE A LOUSY INVESTOR  You look at your portfolio more often than you wash your car......... But....I don't own a car...
by mgullo
Wed Dec 14, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: [55% of households have Zero Credit Card Debt]
Replies: 30
Views: 3660

Re: US households (indebted) average $16k credit card debt!!!

http://www.cnbc.com/2016/12/13/us-households-now-have-over-16k-in-credit-card-debt.html I presume many on this forum have never had credit card debt... When I was a college student I carried a balance for about two years. I learned a hard lesson, but in the many, many years since then, every statem...
by mgullo
Thu Dec 08, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 12826

Re: Explain why Rebalancing isn't Market Timing?

To me, market timing is based on emotions while rebalancing is based on quantifiable points related to the amount of risk you are willing to take. I've always thought of market timing as buying or selling based on what you think you know about how the market will do in the future. While rebalancing,...
by mgullo
Sat Oct 22, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Chicago recommendations
Replies: 40
Views: 2858

Re: Chicago recommendations

Thanks again for the recommendations, all. Day one is in the books. Did Millennium Park and Maggie Daley. The kids' park was definitely a hit. Ended up walking everywhere, so this three day subway pass might go to waste... Tried Lou Malnati's. Will try Yolk and see at least the zoo today. Beautiful...
by mgullo
Thu Oct 20, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 4127

Re: How do you track your portfolio's performance?

How do you track your portfolio's performance? Wade: I have everything at Vanguard (and my bank account). I look at my two balances once or twice a year to detect mistakes or fraud. I don't bother figuring annualized return. We get what the markets give. I know my index funds are outperforming most...
by mgullo
Tue Oct 18, 2016 12:33 am
Forum: Personal Consumer Issues
Topic: Chicago recommendations
Replies: 40
Views: 2858

Re: Chicago recommendations

Just a heads up, there is a reasonable chance that on Saturday or Sunday the Chicago Cubs could make it to the World Series for the first time in 71 years. That could make things, um, interesting in the windy city (more so in the northern portions). That would be the following weekend. Games 6 and ...
by mgullo
Sun Oct 02, 2016 10:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 21448

Re: How Did You Become A Boglehead? What Led You Here?

My Dad. He taught me the basics about investing, tax-advantaged retirement accounts, etc. and pointed me toward the boglehead books and this website. I can't thank him enough!
by mgullo
Sun Apr 03, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: Tuxedo rental for prom?
Replies: 24
Views: 2733

Re: Tuxedo rental for prom?

I've never rented a tux online. For both my junior and senior prom my friend and I wore tuxedos to high school for a day and passed out business cards from the local menswear shop. They then allowed us to get our prom tuxedos for free. We went and offered to do this (I think my friend's older brothe...
by mgullo
Fri Apr 01, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 27903

Re: Renting forever: financial suicide?

A friend just had his rent raised by $500/month. Where do they live? I live in Canada and we have rent control. Landlords can't raise rent by more than the amount set by the Ministry of Municipal Affairs and Housing. As you can see from the guideline history below, the average is about a 2% increas...
by mgullo
Fri Apr 01, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: IRA/Retirement Funding Strategy?
Replies: 9
Views: 605

Re: IRA/Retirement Funding Strategy?

Hi jbsmith05, If I'm mistaken I'm sure someone on this thread will correct me , but I think the general rule of thumb is to contribute to your 401k up to 100% of the match. Then max out your IRAs (Roth or Traditional depends on your current vs future tax rate). I believe the idea is switch to IRA af...
by mgullo
Fri Apr 01, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 27903

Re: Renting forever: financial suicide?

I plan to rent as long as I live in this HCOL city. While there are areas I could afford a single family house, we could only afford a condo where we currently live (and where my wife and I enjoy living and wish to stay). According to trulia's rent vs own calculator trulia.com/rent_vs_buy for us ren...
by mgullo
Fri Apr 01, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep my RothIRA?
Replies: 10
Views: 1055

Re: Where to keep my RothIRA?

Hi Opus131,

I would open the RothIRA through Vanguard. Why pay more through Schwab for the same product you can get through Vanguard?

All the best.
by mgullo
Wed May 20, 2015 7:01 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 25458

Re: How much does social security factor into your retirement income?

With my current profession I don't pay into SS, so I won't collect.
by mgullo
Tue Apr 28, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 91
Views: 13032

Re: "How much of your portfolio is in index funds, and why?"

My spouse and I are 100% invested in index funds in our tax advantaged accounts. Why? Low fees, the belief I cannot beat the index on my own, and the simplicity. If we ever get to max out all our tax advantage retirement accounts and still have buckets of cash left over, maybe then I'll take on more...
by mgullo
Sat Mar 28, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 12597

Re: How Do You Watch Television?

I am very impressed by the 16 percent who don't use cable, satellite, or streaming. I don't know how that can work. Do these folks spend a lot of time reading? I am in this percentage — I don't even own a TV. Nothing very impressive about it, just different habits and priorities. The only downside ...
by mgullo
Tue Mar 24, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 7427

Re: [Poll] Do you have an auto loan?

I don't own a car. If I ever need to purchase one, though, I would prefer to pay with cash, but a low interest loan wouldn't be out of the question.
by mgullo
Tue Mar 03, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 6847

Re: Oil & Vinegar

Make your own, its cheaper, tastes better, and you'll know exactly what's in it. I agree. Mixing various vinegars, oils and herbs allow for a tremendous combination of flavors. I'm surprised by all the recommendations to make your own, which sounds complicated to me (I note that most of the recipes...
by mgullo
Tue Mar 03, 2015 7:22 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 8972

Re: Taylor Larimore Honored

Congratulations, Taylor! Your service, both to our nation, your community, and this forum are much appreciated.
by mgullo
Mon Mar 02, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1891

Re: Black Hills SD, where to stay?

I camped last time I was there, but I did enjoy a beer on the porch of the State Game Lodge. It's a beautiful building in a great location with an interesting history. http://custerresorts.com/lodges-and-cabins/state-game-lodge/ It was the residence for President Coolidge in 1927. Sylvan Lake Lodge ...
by mgullo
Thu Jul 04, 2013 9:21 am
Forum: Personal Consumer Issues
Topic: Best place to get inexpensive glasses
Replies: 15
Views: 3050

Re: Best place to get inexpensive glasses

I buy my glasses at Zenni optical. Big selection and quite inexpensive. You must know your prescription and the distance between pupils (very easy to measure).

http://www.zennioptical.com/
by mgullo
Sat Apr 21, 2012 4:29 pm
Forum: Personal Consumer Issues
Topic: yellowstone trip -stay in park or out of park?
Replies: 29
Views: 3191

Re: yellowstone trip -stay in park or out of park?

Staying just outside the park, like 10 minutes away, we can rent a much nicer condo for less than we can rent a room inside the park. ...... Grant Village on loop road is where we are staying. LH You might want to double check, but I am pretty positive Grant Village is located IN the park; right on...
by mgullo
Thu Apr 05, 2012 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid used car that's been in accident?
Replies: 18
Views: 2187

Re: How to avoid used car that's been in accident?

Do dealerships often allow a person to take a car for an afternoon to have an outside mechanic look at it?
by mgullo
Sat Mar 24, 2012 1:05 pm
Forum: Personal Consumer Issues
Topic: Vegetable Gardening
Replies: 99
Views: 12074

Re: Vegetable Gardening

snyder66 wrote:Are there any good simple, basic books on starting a garden? I say I want to do it every year and it never happens.
I found Mel Bartholomew's All New Square Foot Gardening very helpful. Low maintenance and very productive.
by mgullo
Wed Mar 14, 2012 10:21 pm
Forum: Investing - Theory, News & General
Topic: Market Update: A Real Recovery, or a False Start?
Replies: 33
Views: 2204

Re: Market Update: A Real Recovery, or a False Start?

Jeremy Siegel thinks stocks will do well and bonds won't. And in further breaking news, Archie likes Veronica. Nice post, Nisi, but you me, Mel and Taylor, and maybe Sheepdog are the only ones who know who Archie and Veronica are. :happy Chris Now I might be a younger Gen Xer, but my Dad (b. 1937) ...
by mgullo
Mon Mar 05, 2012 10:26 am
Forum: Personal Consumer Issues
Topic: Peace Corps
Replies: 33
Views: 3423

Re: Peace Corps

You may wish to evaluate this material: http://www.politicsdaily.com/2011/01/17/peace-corps-turns-50-amid-charges-of-rape-murder-and-cover-up/ http://www.youtube.com/watch?v=HpqtcU3qvyg When making decisions I always think more information is better. There are currently about 10,000 Peace Corps vol...
by mgullo
Sun Mar 04, 2012 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone not depending on social security when they retire?
Replies: 93
Views: 6524

Re: Is anyone not depending on social security when they ret

What about 'I won't get Social Security during retirement' as an option? I work in one of the few states where public employees do not pay into nor receive benefits from Social Security. I have even heard that I may not be able to claim my wife's s.s. if she passes on before me. Not sure how that wo...
by mgullo
Sun Mar 04, 2012 8:50 am
Forum: Personal Consumer Issues
Topic: Peace Corps
Replies: 33
Views: 3423

Re: Peace Corps

Hi Sirrip, I served in the Republic of Macedonia from 2003-2005. I had a great experience and would love to do professional work in a similar capacity. Out of the 36 that met in Chicago, 35 got on the plane, 8 went home during service training, 6 left during the 2 years of service (though one stayed...
by mgullo
Tue Feb 28, 2012 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Value of Pension
Replies: 25
Views: 2547

Re: Value of Pension

JDCPAEsq wrote:
sullivanke wrote:...there pension? ...there ending salary...
A teacher...hmmmm :o
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