Search found 101 matches

by mgullo
Mon Sep 21, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to discuss with HR that I live in multiple places...
Replies: 28
Views: 4061

Re: How to discuss with HR that I live in multiple places...

Wouldn't it be convenient to get yourself a PO Box at a local post office or UPS store? As a practical matter. I am unsure if I spend 4 weeks somewhere in a short term rental, if I'm going to have to bother to setup a new mailing address, etc. I have no problem using my Florida residency for everyt...
by mgullo
Wed Sep 16, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10720

Re: what is your side job and income?

Are you looking for more money, the ability to sharpen or develop your skills/abilities, or for an opportunity to have fun and create memories? I worked ballpark operations/security for a MLB team in the Midwest for a few years. Didn’t make a bunch of money, a few thousand a season. But I made some...
by mgullo
Wed Sep 16, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10720

Re: what is your side job and income?

Are you looking for more money, the ability to sharpen or develop your skills/abilities, or for an opportunity to have fun and create memories? I worked ballpark operations/security for a MLB team in the Midwest for a few years. Didn’t make a bunch of money, a few thousand a season. But I made some ...
by mgullo
Wed Sep 16, 2020 12:35 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51391

Re: Are you "outer directed" or "inner directed" ?

Bogleheads: There are very rich people and very poor people. You and I are somewhere in the middle. A very good friend of mine was a teacher of Silva Mind Control . He likes to say: "There are two kinds of people--those who are " outer directed' and those who are " inner directed ." " Inner directe...
by mgullo
Mon Aug 03, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11906

Re: Does a couple really "need" an SUV?

Is this a serious question? How did all people live without SUVs until 20 years ago or so? Nobody needs an SUV (or a truck for that matter), with very few exceptions. Station wagons. My parents had an early 1980s Chevy Caprice Estate. What a beast! So many family vacations in that thing, then when ...
by mgullo
Fri Jul 31, 2020 4:59 pm
Forum: Personal Investments
Topic: Best bond fund advice for home down payment?
Replies: 11
Views: 1176

Re: Best bond fund advice for home down payment?

...I’m looking to move about $25,000 from my Roth IRA out of the Target Date fund it is currently in and into a bond fund. The purpose of this move is to put the money in a more stable account with the plan of withdrawing it within the next 3 years for a down payment on a home... The Wiki article, ...
by mgullo
Thu Jul 30, 2020 11:59 am
Forum: Personal Investments
Topic: Best bond fund advice for home down payment?
Replies: 11
Views: 1176

Re: Best bond fund advice for home down payment?

retired@50 wrote: Thu Jul 30, 2020 10:12 am

Go get 'em Tigers!

Regards,

:sharebeer
by mgullo
Wed Jul 29, 2020 9:11 pm
Forum: Personal Investments
Topic: Best bond fund advice for home down payment?
Replies: 11
Views: 1176

Re: Best bond fund advice for home down payment?

Below is a list of bond funds available with Vanguard that I pulled from their website after speaking with a representative on the phone. I only listed the treasury/agency funds and I skipped the investment-grade , below-investment-grade , and tax-exempt options as those don’t seem suitable for my ...
by mgullo
Wed Jul 29, 2020 8:43 pm
Forum: Personal Investments
Topic: Best bond fund advice for home down payment?
Replies: 11
Views: 1176

Re: Best bond fund advice for home down payment?

I only listed the treasury/agency funds and I skipped the investment-grade , below-investment-grade , and tax-exempt options as those don’t seem suitable for my current needs, but I may have that very wrong. Thanks in advance. You might consider the Ultra Short Term Bond fund at Vanguard. It is lis...
by mgullo
Sun Jul 26, 2020 10:57 pm
Forum: Personal Investments
Topic: Best bond fund advice for home down payment?
Replies: 11
Views: 1176

Best bond fund advice for home down payment?

Hi Everyone, I’m looking to move about $25,000 from my Roth IRA out of the Target Date fund it is currently in and into a bond fund. The purpose of this move is to put the money in a more stable account with the plan of withdrawing it within the next 3 years for a down payment on a home. $25,000 rep...
by mgullo
Thu Apr 30, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Why are stocks down "only" 10% YTD?
Replies: 31
Views: 3422

Re: Why are stocks down "only" 10% YTD?

Swivelguy wrote: Thu Apr 30, 2020 7:25 am Maybe the markets aren't going down because everyone is such a good buy-and-hold investor. If nobody sells, it can't crash!
:D
by mgullo
Mon Apr 06, 2020 12:09 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55592

Re: How Is Your Job Being Impacted By The Current Crisis?

PreK-8th grade school admin in large urban district. Schools are closed, have been for over two weeks, and likely will not open until next year, though the state will reassess by 4/30/2020. I have gone in to work everyday since students and staff have stopped coming. Overseeing food distribution and...
by mgullo
Sat Apr 04, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 945
Views: 58085

Re: What are you listening to now

During the last two weeks I walk about two hours a day listening to random artists. Lately I’ve been playing a lot of Robert Hunter, John Prine, Phish, and the Grateful Dead.
by mgullo
Sat Apr 04, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 21807

Re: What are you doing for haircuts due to coronavirus shutdown?

I’m gonna see how I look without cutting it until things evolve to the new normal and my place opens back up. Since I’m working remotely and not needed to be seen by anyone, I’m planning to grow out my mustache and the hairs on my chinny-chin-chin. I’d go for the full beard, but I got nothing on my ...
by mgullo
Sat Mar 28, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 325
Views: 27718

Re: Is it really Worth it to brown bag your lunch at work?

Absolutely it is! I bring a lunch everyday and it’s usually healthier than what I could buy, too. I like the control I have over choosing what to bring. I don’t understand some of my colleagues who eat out every single day. Often times they also order breakfast sandwiches and coffee to be delivered ...
by mgullo
Sat Mar 28, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13193

Re: How are you going to use your stimulus money?

Most likely, put whatever amount we get towards our car loan.
by mgullo
Tue Apr 10, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 58
Views: 5168

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: 4927

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: 20307

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: 7807

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: 19827

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: 8677

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: 22056

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: 4526

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: 2426

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: 8449

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: 380
Views: 68034

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: 88
Views: 11259

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: 3976

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: 3602

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: US Chapters
Topic: My Christmas Present to You
Replies: 106
Views: 14114

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: 9456

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: 9456

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: 16746

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: US Chapters
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 17615

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: Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 4920

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: 18086

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: Personal Investments
Topic: My "sleep well at night" number seems to be changing
Replies: 49
Views: 9646

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: 7682

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: 4064

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: 14361

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: 3191

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: Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 5262

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: 3191

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: US Chapters
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 173
Views: 33406

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: 3038

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: 34484

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: 634

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: 34484

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: Personal Investments
Topic: Where to keep my RothIRA?
Replies: 10
Views: 1088

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.