Search found 201 matches

by sherwink
Thu Sep 28, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 15405

Re: The Rolex and The Boglehead

I've worn my Rolex for over forty years. I view it as functional jewelry. I write with a fountain pen. Sure, I could use a cheaper pen, but I enjoy the fountain pen. Today, younger folks use electronic communications only. Perhaps they see me as old fashioned. But my stuff still works when the inter...
by sherwink
Sat Aug 19, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 12684

Re: Non-fiction bucket list

Wedding of the Water
A Splendid Exchange
The Ascent of Money
Nothing Like it in the World
by sherwink
Sun May 21, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 7558

Sell 2015 Subaru or Keep?

Bogleheads buy quality products, at a reasonable price, take excellent care of them for its life, drive them until the wheels come off and move on. Don't skimp on maintenance, nor ignore problems, just don't keep up with the mass advertised hyped of wanting new every year. It's a very simple matter ...
by sherwink
Tue Apr 18, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 9121

Re: Did anything surprise you in your 2016 taxes?

Nothing surprised me in the 2016 tax filing. Somethings disappointed me in the unnecessarily complicated tax formulas. If taxes were enormously simplified taxes would automatically become easier and fairer.
by sherwink
Sun Apr 16, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29233

Re: Do you have an umbrella policy?

I carry $5M in umbrella insurance as the last line of defense. For the peace of mind, it's worth it.
by sherwink
Sun Jan 15, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Help with Retirement Projection Assumptions
Replies: 35
Views: 4409

Re: Help with Retirement Projection Assumptions

I'd include recurring expenses in your budget: Rent or mortgage, food, clothes and apparel, entertainment, subscriptions, cable and internet, (you've got a bad assumption in that your future taxes will be zero), gifts, charity, travel, etc... You need to do a thorough and complete current annual bud...
by sherwink
Mon Dec 26, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Site Issues 12/25 and 12/26/16
Replies: 7
Views: 1022

Re: Vanguard Site Issues 12/25 and 12/26/16

I have had no problems with the Vanguard site.
by sherwink
Sun Aug 21, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 2441

Re: New Cars and Safety upgrades

I'd feel just as safe if drivers would stop texting and driving, running red lights, tailgating and driving impaired. Cars are becoming safer, the implied moral hazard here is, some drivers take advantage of the design features and feel they can become more road inattentive to compensate for their i...
by sherwink
Sun Jul 24, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Allstate Umbrella Insurance
Replies: 33
Views: 4533

Re: Allstate Umbrella Insurance

The Allstate umbrella quote is way too high. Ask for a quote with other companies and then tell Allstate they're far above the market baseline quotes.
by sherwink
Tue May 31, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 14020

Re: Would you pay 6x face value to see Hamilton on Broadway?

Any self respecting Boglehead would read Chernow's book rather than pay extortion fees of popularity.
by sherwink
Thu May 19, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Health Care fund - is it time to move out?
Replies: 9
Views: 1400

Re: Health Care fund - is it time to move out?

I've considered my investment portfolio percentage in the Health Care fund as a proportional reflection of our best guess of a containment barrier to future health care cost.
by sherwink
Wed Oct 01, 2014 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 4064

Re: Should I include this in my net worth?

I'd imagine that less than three months salary is pretty much in the rounding error category for the total scheme of things in life.
by sherwink
Sun Aug 24, 2014 8:54 am
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 3418

Re: When did you hear of Bill Miller and Legg Mason Value Tr

I held LMVTX from the mid-80s to the mid-90s. The fund in those days had a very high expense ratio, and an egregious 12b-1 fee. I dumped it because it was a mediocre performer (just as it was beginning its well-publicized run). I judged its returns out of line with cost of ownership at the time.
by sherwink
Fri Jul 25, 2014 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 19909

Re: List of Worst financial advice (what not to do):

I had a co-worker, he was telling me one day on a break, his advisor had sold him a variable annuity for his IRA. He departed not long after, so I don't know what he did.
by sherwink
Thu Jul 24, 2014 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 20
Views: 2265

Re: Anyone used Vanguard electronic money transfer

I've never had a problem with it.
by sherwink
Mon Jun 02, 2014 5:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Anniversary! [From Vanguard to Clients]
Replies: 44
Views: 4839

Re: Happy Anniversary! [From Vanguard to Clients]

I got my 25 year anniversary card in the mail today. But they forgot to put cash in the envelope.
by sherwink
Mon May 12, 2014 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: TSP password enhanced today
Replies: 15
Views: 2590

Re: TSP password enhanced today

Thrift Savings Plan. It's the US Government employees 401k plan.
by sherwink
Tue Mar 04, 2014 9:11 pm
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 7605

Re: Get ready for the Dow at 6,000 by 2016: Pro

I have an opinion too. It differs considerably from "Pro". We'll see who is right in two years.
by sherwink
Sun Jan 12, 2014 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tax returns - keep for 7 years? Longer?
Replies: 33
Views: 3739

Re: Tax returns - keep for 7 years? Longer?

I'll clean out the safe later this year and toss my returns over thirty years old.
by sherwink
Thu Jan 02, 2014 1:07 pm
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 22643

Re: The Funniest Movie Ever

Slapshot
Used Cars.
by sherwink
Sat Nov 16, 2013 12:38 pm
Forum: Personal Consumer Issues
Topic: Call Received with Deceptive Caller ID
Replies: 46
Views: 8183

Re: Call Received with Deceptive Caller ID

If you answer "Hello", they ask is so and so there? Answer, "Hold on, let me get them, who may say is calling?" Then set the phone down, finish your dinner, your TV program, answer your email, do whatever you were doing. After fifteen minutes or so, see if they've hung up. They'll leave. You don't n...
by sherwink
Sun Sep 22, 2013 10:00 am
Forum: Personal Consumer Issues
Topic: Current Windows 8 vs. New Version
Replies: 39
Views: 3765

Current Windows 8 vs. New Version

I consider Windows 8 a failure myself. I'm sure the Windows 8 developers will disagree with me. I don't think of myself as a Luddite, while Microsoft undoubtedly does. They want to transition to mobile devices and full user convenience. I want my transactions safe and secure. I become more cynical a...
by sherwink
Sat Jun 01, 2013 2:19 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 14413

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

I've owned B shares for a few years, with no intention of selling anytime soon.
by sherwink
Sun May 26, 2013 3:19 pm
Forum: Personal Consumer Issues
Topic: You CAN Buy Happiness
Replies: 10
Views: 1583

Re: You CAN Buy Happiness

I've met folks who had very little in the way of financial assets who were entirely happy with their lives. I've come across some wealthy folks who were jealous, frustrated and angry. I've seen it the other way around too. Abe Lincoln said, "People are as happy as they make up their minds to be." Th...
by sherwink
Sat Mar 24, 2012 10:41 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri: "Brutally honest..."
Replies: 28
Views: 5384

Re: Rick Ferri: "Brutally honest..."

Perhaps a better phrase start word would be "Bluntly..."
by sherwink
Fri Dec 30, 2011 8:48 pm
Forum: Personal Consumer Issues
Topic: Was 2011 a lost year?
Replies: 24
Views: 2882

Re: Was 2011 a lost year?

I set a personal best longevity record every single day in 2011.
by sherwink
Sat Dec 17, 2011 9:46 pm
Forum: Investing - Theory, News & General
Topic: MF Global Bankruptcy Investigation
Replies: 13
Views: 1640

MF Global Bankruptcy Investigation

Jon "I don't know where the money is" Corzine should ask himself, "What did I do to earn my paycheck?" Then when does Sarbanes Oxley get involved? Commingling of segregated customer accounts was a violation from the get go. When does the SEC invoke proceedings? The folks that had physical precious m...
by sherwink
Sun Nov 06, 2011 7:53 am
Forum: Investing - Theory, News & General
Topic: A 200 year old firm goes bankrupt
Replies: 24
Views: 4839

Re: A 200 year old firm goes bankrupt

At first I was thinking this was about the Barings Bank collapse.
by sherwink
Wed Oct 12, 2011 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a financial site -- your input valued
Replies: 32
Views: 3064

Is Moneyzen.com taken?
by sherwink
Sun Oct 02, 2011 11:51 am
Forum: Investing - Theory, News & General
Topic: Why does TSP site take so long to update?
Replies: 15
Views: 2747

My contribution got credited September 30. This surprised me, because, as I posted above, my experience has been that when a payday falls on the last day of a quarter, the contribution isn't credited until the first working day of the following quarter. My experience with TSP is the transactions ar...
by sherwink
Wed Aug 31, 2011 9:34 pm
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 19021

Bear attack survival

I've survived several bear markets. My portfolio is the worse for sustaining those encounters however.
by sherwink
Fri Aug 26, 2011 9:18 pm
Forum: Personal Consumer Issues
Topic: Crick in the neck
Replies: 21
Views: 2583

Stop chewing your Viagra.
by sherwink
Sun Aug 07, 2011 8:30 pm
Forum: Investing - Theory, News & General
Topic: Black Monday?
Replies: 158
Views: 21131

Black Monday?

Does that mean you think the market will be up?
by sherwink
Sun Aug 07, 2011 3:33 pm
Forum: Personal Consumer Issues
Topic: Did you marry your college sweetie? I did.
Replies: 64
Views: 7213

The world is a far bigger, and complex place to me today, than I knew forty years ago when I graduated.
by sherwink
Sun Jul 03, 2011 2:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 376750

Current read

Battle Cry of Freedom by James McPherson
by sherwink
Sun Jul 03, 2011 2:02 pm
Forum: Investing - Theory, News & General
Topic: Social Security Delay: the Rallying Cry
Replies: 101
Views: 12287

SS, the rallying cry

Do what makes sense for your situation and circumstances. Period.
by sherwink
Sun Jun 26, 2011 2:27 pm
Forum: Investing - Theory, News & General
Topic: What does Means testing mean?
Replies: 12
Views: 2059

If you have means, you'll be testy.
by sherwink
Tue Jun 21, 2011 6:41 am
Forum: Personal Consumer Issues
Topic: Any One travelled to Vietnam and Cambodia?
Replies: 47
Views: 6267

My observations were drawn from a work related stay of some duration about forty years ago.
by sherwink
Wed Jun 15, 2011 3:09 pm
Forum: Personal Consumer Issues
Topic: how many Bogleheads are divorced vs still married?
Replies: 98
Views: 11943

Ann Landers said, "The secret to a long marriage is to never go to bed angry." To which Phyllis Diller said, "Yeah, stay up and fight!"
by sherwink
Tue Jun 14, 2011 10:08 pm
Forum: Personal Consumer Issues
Topic: Any barefoot mowers?
Replies: 67
Views: 6964

Bare foot mowing

No way would I mow with bare feet. Long pants and shoes/boots. Shorts and bare feet are for when that chore is done.
by sherwink
Sat Jun 04, 2011 5:58 pm
Forum: Personal Consumer Issues
Topic: Marshall Matt Dillon died today
Replies: 38
Views: 4163

James Arness

We mourn the passing of a nice guy.
by sherwink
Sat Jun 04, 2011 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What % do you save ?
Replies: 57
Views: 6634

Probably not enough,.but about 30% currently.
by sherwink
Sat Jun 04, 2011 4:07 pm
Forum: Personal Consumer Issues
Topic: Going Barefoot In Your Home
Replies: 76
Views: 9562

On a cold winter night, wear socks and slippers inside the house. On a warm summer day, likely barefoot, if alone or immediate family. If a get together at the house, shod always, and always pants, never shorts.
by sherwink
Tue May 17, 2011 6:31 am
Forum: Investing - Theory, News & General
Topic: Anyone ever buy 1 share?
Replies: 42
Views: 5487

One share purchases

A host of investors buy one share of BRKA, and they don't get dividends. Granted it's share price is quite high, which is why it trades a share at a time.
by sherwink
Sun May 15, 2011 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance software do you use?
Replies: 76
Views: 10529

Personal financial software

MS Excel, spreadsheet and macros.
by sherwink
Thu Apr 28, 2011 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bad time to buy bonds?
Replies: 21
Views: 2953

Time to buy bonds?

INHO, this is not the time to buy long term bonds. Where can interest rates go from here? Down isn't (nor can it be IMHO) the long term direction.
by sherwink
Sat Apr 23, 2011 1:53 pm
Forum: Personal Consumer Issues
Topic: Average age of all household cars for bogleheads........
Replies: 105
Views: 11520

Average car age currently owned

3 cars, average age 14 years.
by sherwink
Sun Feb 27, 2011 12:18 pm
Forum: Personal Consumer Issues
Topic: I went to Costco to buy some blueberries
Replies: 70
Views: 12118

You got off easy.