Search found 489 matches

by Sriracha
Sat Jan 06, 2018 12:01 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 29679

Re: Hitting The Sell Button

Makes me think of a Bill Bernstein interview I read about 4+ years ago where he discusses de-risking when equities are running up gains year after year. http://www.etf.com/sections/features/20562-bill-bernstein-take-risk-off-the-table.html?nopaging=1 I'm "feeling like a dummy" lately! Hope Dr. Bill...
by Sriracha
Fri Jan 05, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 29679

Re: Hitting The Sell Button

I don't own bonds. bonds are on their inexorable downward slide No thanks I'd rather hold it in cash Don't know about that "inexorable downward slide." That's been said time and time again over the past several years and really hasn't borne that bitter fruit. Of course, I agree that you can use alt...
by Sriracha
Fri Jan 05, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 29679

Re: Hitting The Sell Button

Makes me think of a Bill Bernstein interview I read about 4+ years ago where he discusses de-risking when equities are running up gains year after year. http://www.etf.com/sections/features/20562-bill-bernstein-take-risk-off-the-table.html?nopaging=1 *********** IU: It seems like a typical investor ...
by Sriracha
Wed May 31, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 14165

Re: Play Money for Spouse....

We tried separate checking accounts for this sort of thing (at DW's suggestion) within a few years of getting married and found that we didn't really need them. DW and I each get "an allowance" each month to do with what we want. Unspent amounts roll into the next month. I track spending in the bud...
by Sriracha
Sun May 28, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 14165

Re: Play Money for Spouse....

We tried separate checking accounts for this sort of thing (at DW's suggestion) within a few years of getting married and found that we didn't really need them. DW and I each get "an allowance" each month to do with what we want. Unspent amounts roll into the next month. I track spending in the budg...
by Sriracha
Mon Jan 02, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 40669

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2053.01, I'm just certain of it. :-)
by Sriracha
Tue Oct 04, 2016 11:56 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 9722

Re: Vitamix Worth It?

I worked in some high-end restaurant kitchens ages ago, and never saw a blender other than a Vitamix. And, believe, me - those blenders weren't used just once per day. Try 50-100 times per day. When it came time for me to upgrade from a crappy blender around 15 years ago, I had no problem going with...
by Sriracha
Thu Sep 08, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 4608

Re: Any King Charles Cavalier Spaniel owners here?

One of my friends has a KCS. I've spent hours at a time over there and haven't had more than mild allergic reactions even though other breeds cause my pet dander allergies to spike off the charts. As noted by others, above, yes, that little guy requires a LOT of attention from my friend on a daily b...
by Sriracha
Thu Sep 08, 2016 11:57 am
Forum: Investing - Theory, News & General
Topic: "How to Think About Money" A Gem
Replies: 13
Views: 5344

Re: "How to Think About Money" A Gem

Two things: First, thanks Taylor! Second, I need to read more carefully. I skipped over Taylor's underlined heading indicating clearly that the first set of quoted gems come from Bill Bernstein's intro. As I was reading those quotes, I kept thinking, "Wow! Clements sounds an awful lot like Dr. Bill!...
by Sriracha
Thu May 05, 2016 12:13 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 11108

Re: How many funds in your portfolio?

1. VG Total Stock Market 2. VG Total International 3. VG FTSE All World Ex-US (stopped purchasing shares some years ago when I decided to go with Total Int'l, but kept my shares b/c of gains) 4. VG Small Cap Value 5. VG Total Bond 6. VG S/T TIPS 7. In the 401K, a collective investment trust fund tha...
by Sriracha
Fri Jan 15, 2016 11:34 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 15093

Re: Who's buyin' today?

The smart kids seem to be using ETFs to get the price Right Now. Me, I use mutual funds and settle for the end of day price... That makes sense. A few concerns that I have: 1. I'm not one of the smart kids. 2. With me working full time, I can't stop everything that I'm doing at a given time of the ...
by Sriracha
Sun Jan 10, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 21788

Re: Tough Frugal Decisions

Mods - always love the frugality threads, but should this go in Personal Finance or
Personal Consumer Issues?
by Sriracha
Mon Jan 04, 2016 11:20 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 42276

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

I was way off with 1804.63 last year. Let's see how it turns out with the same guess this year.
by Sriracha
Tue Jun 30, 2015 11:38 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 34959

Re: Emergdoc on Mr. Money Mustache

I've read MMM and WCI, and 90% of the time fall into WCI's camp. Nice blog, Doc.
by Sriracha
Mon Jun 22, 2015 1:39 am
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 20590

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

Nope, didn't agonize. Habitually (rather than obsessively) frugal, ... over saved. Laid off early '08, realized I didn't need the job. Still struggling to get my discretionary spending up enough to meet budget. Figure I'm about a bottle of 16yr Lagavulin (per day) from meeting my spending goals. St...
by Sriracha
Fri May 29, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 9187

Re: Behavioral finance and restaurants

The quality of local restaurants is almost always a factor for us when traveling for pleasure so the sky's the limit re: miles to get there. When at home, we have loads of great restaurants nearby and so distance doesn't matter in the normal course. We do, though, have one special place that's about...
by Sriracha
Thu May 28, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 61
Views: 28470

Re: Question about Citi Double Cash Card

For optimized FICO scoring (this works for most credit profiles), paying off all but one or two cards before the statement drops (= before they report) results in almost all cards reporting a $0 balance. Do let one report, because oddly there can be a ding (again, not for all credit profiles), if e...
by Sriracha
Thu Apr 30, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 8385

Re: Retirees - What would you have done differently?

The Warner book is on the older side. It dates back to the early 2000's. The lifestyle advice is pretty timeless, and reflects many of the themes in this thread. The financial advice is sound, but not quite Boglehead quality. It does strongly recommend index funds. The book is worth reading, but I ...
by Sriracha
Wed Apr 29, 2015 9:36 pm
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 8385

Re: Retirees - What would you have done differently?

I'm reading everything I can about investing and retirement planning, including both Boglehead books, multiple John Bogle books (didn't know he was a twin!), and recently started reading "Get a Life: You don't need a Million to retire well," by Ralph Warner (NOLO publishing). Warner proposes that t...
by Sriracha
Fri Apr 24, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Any of you folks pay mortgage with credit card?
Replies: 29
Views: 6148

Re: Any of you folks pay mortgage with credit card?

According to http://creditcardforum.com/blog/pay-mor ... edit-card/, there isn't a good way to reap rewards for making mortgage payments with CCs these days. Whoever had Serve idea above should post a comment there (looks like that article was updated this month, so it's current)!
by Sriracha
Mon Apr 20, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 5319

Re: Has anyone changed their asset allocation

It's a tough investment climate in that bonds are going to certainly return less going forward, yet stocks seemed to be reaching frothy territory. Has anyone here changed their asset allocation due to what seems like a long running and possibly tired bull market. I know no one knows if and when it ...
by Sriracha
Sun Apr 12, 2015 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 18829

Re: Household Gross Income Poll

Wait ... no, "I don't know and I don't care" option in the poll?!

Just kidding; I voted.
by Sriracha
Sat Apr 11, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: It's Official - We're Done
Replies: 51
Views: 12203

Re: It's Official - We're Done

Fantastic. Cheers. :sharebeer
by Sriracha
Sat Apr 11, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One getting out of cash rewards credit cards?
Replies: 12
Views: 4007

Re: Capital One getting out of cash rewards credit cards?

If they just fire Samuel L. Jackson and get somebody cheaper for commercials, they'll be fine. "What's in your wallet?" :wink:
by Sriracha
Sat Apr 11, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 60
Views: 10253

Re: Another new two comma club member

Nice going. Congrats. :moneybag
by Sriracha
Thu Jan 22, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: What is highest paying cash credit card
Replies: 24
Views: 4427

Re: What is highest paying cash credit card

VictoriaF wrote:Today, I applied for two cards that give 50,000 American Airlines miles, each, after required spending.

Victoria
For once, my crystal ball is clear: I see much travel in your future, Victoria.
by Sriracha
Mon Dec 29, 2014 3:24 pm
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 6986

Re: Do any other men here regulalry use skin care products?

Sriracha, through some casual testing (not particularly rigorous, not double-blind, etc.), I have come to the conclusion that I, like a number of sensitive-skinned people, am allergic to tocopheryl or tocopheryl acetate, commonly known as "vitamin E oil." After doing some reading, it appears to aff...
by Sriracha
Mon Dec 29, 2014 1:41 pm
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 10255

Re: Do you usually order beverage at restaurants?

Depends on the meal, time of day, cuisine, etc. For example, if I'm out to dinner with the DW and/or friends and the food goes well with wine, I'm likely having wine. If I'm going to spend money on a nice meal, I want to enjoy myself while I'm doing it, and a glass or two of wine with dinner is a pl...
by Sriracha
Mon Dec 29, 2014 1:29 pm
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 6986

Re: Do any other men here regulalry use skin care products?

Once upon a time, my then girlfriend (who is now my DW) bought me some specialty skin care stuff. I'm prone to eczema and most regularly available lotions , shaving gear and stuff contain junk that irritates rather than soothes, and so she pushed me to try some seemingly better made stuff. Turns out...
by Sriracha
Mon Dec 22, 2014 12:10 am
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2919

Re: Cooking Lessons

Wow, OP, I think you are asking for a lot. Unless, of course, you happen to have a seriously great aptitude for cuisine. Cooking is a craft and to do it well you need grounding in the basics and then practice, practice, practice. You are telling us that you have no time for education and don't want ...
by Sriracha
Thu Dec 18, 2014 9:10 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 8202

Re: Your Favorite Cookbook?

I rarely buy cookbooks any more, but I accumulated several hundred over the years. It's extremely difficult to name a favorite without further qualifiers, but I suppose that if I had to select just one it would be Simple French Food by Richard Olney. The word "simple" in the title does not mean that...
by Sriracha
Mon Dec 15, 2014 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Insurance - Need it or not?
Replies: 49
Views: 6820

Re: Umbrella Liability Insurance - Need it or not?

We have a $2M policy and pay something like $280/year. Started with $1M coverage about 7 years ago and bumped it up 2 years ago. To me, it really fits the mindset behind buying insurance: buy it if self-insuring is impossible or just too expensive. I'm happy (well, relatively speaking) to shell out ...
by Sriracha
Mon Dec 15, 2014 5:24 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 7701

Re: White Coat Investor in Forbes

Good deal. Keep up the good work, Jim.
by Sriracha
Thu Dec 11, 2014 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: paid-off mortgage yesterday!
Replies: 24
Views: 3823

Re: paid-off mortgage yesterday!

samsoes wrote:Hello folks,

I just thought I'd share some good news ... the mortgage was paid-off yesterday, and the house is MINE! :mrgreen:
Congrats! That's awesome. I'd love to say I'm getting close, but, alas, not so much.
by Sriracha
Tue Dec 09, 2014 9:29 pm
Forum: Investing - Theory, News & General
Topic: To Tilt or Not To Tilt, that's the question
Replies: 52
Views: 4073

Re: To Tilt or Not To Tilt, that's the question

livesoft wrote: stlutz's Final, Definitive Thead on Value: http://www.bogleheads.org/forum/viewtop ... 10&t=96441
Always love that one :-)
by Sriracha
Tue Dec 02, 2014 3:02 pm
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 36
Views: 5026

Re: I need to stop looking at the market everyday!

Yes, I check the market most days, but only a glance while I'm surfing. I don't find that that is detrimental to my financial well-being. What I don't do anymore is watch CNBC or read financial magazines, etc. I used to do a lot of both years ago, and that sometimes resulted in problems. Nor do I "p...
by Sriracha
Mon Nov 24, 2014 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help Needed Re: Overhauled 401K Fund Choices
Replies: 7
Views: 1327

Re: Help Needed Re: Overhauled 401K Fund Choices

One time bump to see if there's any additional advice out there. Thanks.
by Sriracha
Thu Nov 20, 2014 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help Needed Re: Overhauled 401K Fund Choices
Replies: 7
Views: 1327

Re: Help Needed Re: Overhauled 401K Fund Choices

Thank you to the 3 folks who responded. CITs aren't publicly traded so even if you had a symbol it wouldn't do much for you but as long as it tracks its target index reasonably well (hopefully they provide some historic data) then you can use equivalent mutual funds for analysis and I would also agr...
by Sriracha
Thu Nov 20, 2014 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help Needed Re: Overhauled 401K Fund Choices
Replies: 7
Views: 1327

Help Needed Re: Overhauled 401K Fund Choices

DW’s 401K plan will be overhauling investment options as of the start of the new year. We use that account solely for bonds at this point and have a goodly chunk of change there. Now, she has access to Fidelity brokerage and so I have the money invested about 80/20 in Fidelity Spartan US Bond Index ...
by Sriracha
Thu Oct 09, 2014 9:25 pm
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 3879

Re: POLL : SP500 next : 1900 or 2200?

I have a gut instinct about this, but I've drafted ye ole IPS to stop me from acting on my gut. The gut says 1900 before 2200. Indeed, the gut says 1800 before 2200. But, for me, it's just follow the policy. It's fine to be curious, but it doesn't really pay to act on it.
by Sriracha
Wed Sep 24, 2014 3:16 pm
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 11057

Re: Stubbornly Non-Boglehead Husband. What To Do?

OP: I know that this wasn't your question to the community, but I was wondering about the 60/40 split on your half. Since becoming a Boglehead myself, I have taken to heart the idea that it's best to consider all household investments as one portfolio. How, if at all, do you consider your DH's inve...
by Sriracha
Wed Sep 24, 2014 12:45 pm
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 11057

Re: Stubbornly Non-Boglehead Husband. What To Do?

OP: I know that this wasn't your question to the community, but I was wondering about the 60/40 split on your half. Since becoming a Boglehead myself, I have taken to heart the idea that it's best to consider all household investments as one portfolio. How, if at all, do you consider your DH's inves...
by Sriracha
Wed Sep 10, 2014 2:06 pm
Forum: Personal Consumer Issues
Topic: Visit to SFO Area - Dining
Replies: 14
Views: 1584

Re: Visit to SFO Area - Dining

Here's a similar thread from earlier this year: http://www.bogleheads.org/forum/viewtop ... 1&t=138221
by Sriracha
Fri Aug 08, 2014 10:14 pm
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 7216

Re: How do you address your inlaws and being addressed?

I went from using Mr. and Mrs. before the wedding to Dad and Mom after I said "I do." My wife did the same with my folks. (I could have addressed my FIL by his first name with no problem, but my MIL clearly wanted to be called "Mom" so I complied.)
by Sriracha
Tue Jul 22, 2014 9:43 am
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 45
Views: 6873

Re: Will baby boomers retiring spell doom for the markets

What's important to recognize is that it is NOISE, even though the arguments sound credible it's likely to be noise because have to ask "am I only one who knows this?" Even if correct doesn't market already incorporate the information into prices. That's the point of the piece, it should be treated...
by Sriracha
Mon Jul 07, 2014 11:11 am
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 4680

Re: When you retire you plan to?

The tentative plan is to move someplace with a much lower COL. Our home is of modest size now so I doubt we'll significantly up- or downsize.
by Sriracha
Wed Jul 02, 2014 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investment in a Bull Market
Replies: 21
Views: 3026

Re: Starting Retirement Investment in a Bull Market

Set your asset allocation based on your ability, willingness and need to take risk, and just start investing. If the market tanks soon after you start investing, fine and dandy. You'll be able to buy cheap for a while until it climbs again.
by Sriracha
Tue Jul 01, 2014 8:18 pm
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 5019

Re: American Automobile Assn (AAA)

We've been members for nearly 18 years. In that time, we've used the emergency services perhaps 8 times (3 tows, 4 jumps and 1 battery replacement, I think). In the "old days," we used the travel books and stuff, but not so much any more. The AAA discount is our default with hotels, airlines, etc. S...
by Sriracha
Thu Jun 26, 2014 4:04 pm
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 66
Views: 8141

Re: Fed up with ATT

I don't really need a land line but I like having it so I have a number to give out to people I don't really want to talk to (banks, insurance people, etc.). I just have an answering machine hooked up to it and return legitimate (non-marketing) calls. That keeps most of the irritation calls segrega...