Search found 1490 matches

by catdude
Tue Aug 14, 2018 1:30 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 12
Views: 1038

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Huck, I can improve on that. If I'd been 100% in equities over the past 10 years, I'd have a much bigger portfolio than I have right now. Hindsight is always 20/20. Nobody knows what the future holds. In other words, "Nobody knows nuthin'."
by catdude
Sun Aug 12, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 2992

Re: Is your monthly expense really that stable or in reality, pretty volatile?

If it wasn't for the damn cats (until recently I had four senior kitties... now I have three) my monthly expenses would be fairly stable. Seems like I get hit with major vet bills every few months...
by catdude
Tue Aug 07, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51610

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Here's a Washington Post story on Fidelity's new funds... https://www.washingtonpost.com/business/economy/how-low-can-investment-fees-go-fidelity-launches-a-race-to-zero/2018/08/07/cb8a71f2-9a5c-11e8-b60b-1c897f17e185_story.html?utm_term=.0239c2a3d33c Ken Hevert, Fidelity’s senior vice president for...
by catdude
Sun Aug 05, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 18
Views: 2155

Re: Yogi said it. It must be true.

"Only in America." That's what Yogi said when someone told him the mayor of Catholic Dublin was Jewish.
by catdude
Fri Aug 03, 2018 2:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3366

Re: How did you become a Boglehead?

I had done a bit of reading on index fund investing, but then I came across Mr. Bogle's book Common Sense on Mutual Funds, and that really sealed the deal for me. I just wish he had been more clear about the importance of costs. :)
by catdude
Thu Aug 02, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4364

Re: Which diet soda pop do you enjoy?

Diet Pepsi, usually straight up but sometimes with a shot of whiskey (Jack Daniels or Evan Williams)...
by catdude
Wed Aug 01, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 35834

Re: Worth it to get 300 Mbps internet?

Hi, OP here. Y'all realize, don't you, that this thread is like 18 months old?? I'm currently doing just fine with 50 Mbps. A couple times over those past 18 months I've negotiated with the local cable company to get a better rate, and to get that sweet deal I've accepted the 50 Mbps package. I don'...
by catdude
Wed Aug 01, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2143

Re: First smartphone:What to buy and what prepaid plan to sign on?

hesson11 wrote:
Wed Aug 01, 2018 8:38 am
Consumer Cellular
+1... Agree 100%. I've had Consumer Cellular for several years now and they're great.
by catdude
Wed Aug 01, 2018 3:03 am
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2143

Re: First smartphone:What to buy and what prepaid plan to sign on?

Just wanna say that I've had several versions of the Moto G, and it's really a good phone. Dollar for dollar it may be the best phone around. I currently have the G5 and it does everything I need it to do...
by catdude
Sat Jul 28, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6251

Re: Retirees: how much cash?

Almost 63 yo, retired with pension. Got enough in cash (checking & savings accounts, money market funds) to cover about a year's expenses...
by catdude
Wed Jul 25, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3223

Re: Hearing aids

I'm not the OP, but regardless, I want to thank y'all for this discussion. I've recently made the decision, after years of procrastination, to get hearing aids. This thread is very helpful to me... I've decided to go with Costco. It sounds like I can save a lot of money by doing so. Thanks again......
by catdude
Wed Jul 25, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Robert Samuelson column -- Washington Post
Replies: 15
Views: 1372

Robert Samuelson column -- Washington Post

Hi Bogleheads - The Washington Post website has a column by Robert Samuelson on indexing's potential to cause increased volatility in the stock market. https://www.washingtonpost.com/opinions/does-indexing-threaten-the-stock-market/2018/07/25/388efd9a-901c-11e8-bcd5-9d911c784c38_story.html?utm_term=...
by catdude
Tue Jul 24, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3223

Re: Hearing aids

I'm not the OP, but regardless, I want to thank y'all for this discussion. I've recently made the decision, after years of procrastination, to get hearing aids. This thread is very helpful to me... I've decided to go with Costco. It sounds like I can save a lot of money by doing so. Thanks again...
by catdude
Mon Jul 16, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9680

Re: Why own a bed?

Decades ago I had a studio apartment and slept on a futon in the walk-in closet. A couple times my best friend and his 7-year-old son came to visit, and the kid asked me, "John, do you sleep like a dog on the floor?"

Smartass! :)
by catdude
Sun Jul 15, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7138

Re: Anyone not have a Budget?

I'm yet another generally frugal guy who's never felt the need to have a budget...
by catdude
Sat Jul 07, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5202

Re: Every Other Friday Off

I worked a 9/80 schedule many years ago. What I remember about it is that the 9-hour work days psychologically felt about 50 percent longer than 8-hour days. Nine hours was a real grind. I'm not sure I was all that productive during that 9th hour. I also briefly tried out a 4x10 schedule. I gave it ...
by catdude
Mon Jul 02, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2222

Re: Baseball simulator games (e.g., Strat-o-Matic, etc)

I love Strat-O-Matic. I am currently replaying the 2016 season and having a blast. I use an app on my phone to help score the games and it keeps all the stats in order, which is the best part of the game. I love seeing how close the stats turn out to the real-life stats. I'm just curious -- are you...
by catdude
Mon Jul 02, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2222

Re: Baseball simulator games (e.g., Strat-o-Matic, etc)

Hi, OP here. Thanks y'all for your suggestions. I'm currently taking a quick break from playing Deadball to post this message (thanks AlohaJoe)... I like Deadball so far, it seems quite simple and easy to play.
by catdude
Sun Jul 01, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2222

Baseball simulator games (e.g., Strat-o-Matic, etc)

Hi Bogleheads - When I was a kid (starting in my early teens and continuing into my early twenties) I incessantly played Strat-o-Matic baseball, a card & dice simulator game. It was an enjoyable hobby but I set it aside about 40 years ago and forgot about it... Now that I'm retired, I've re-kindled ...
by catdude
Mon Jun 25, 2018 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3183

Re: Compliments for Vanguard?

I too would like to thank Celia for starting this thread. I'm finding it reassuring. I've been with Vanguard for 18-20 years now, and I've never had to contact them. My portfolio is pretty plain vanilla... it's a simple three-fund portfolio spread across an IRA, Roth IRA, and taxable account. It's r...
by catdude
Fri Jun 15, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1179

Re: 24 years old starting my first rothIRA

All good points above, but the nit-picker in me can't help but point out that the Target Retirement funds also hold a small international bond position, making them equivalent to an auto-balancing four-fund portfolio. So basically i can just put 5500 in it every year and just leave it be? I dont ha...
by catdude
Tue Jun 12, 2018 2:33 am
Forum: Investing - Theory, News & General
Topic: Ken Volpert to retire
Replies: 1
Views: 500

Re: Ken Volpert to retire

Just to clarify, he's retiring from Vanguard (I googled him)....
by catdude
Thu May 24, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: auto insurance quotes
Replies: 7
Views: 768

auto insurance quotes

I've been doing a bit of shopping for car insurance, for the first time in many years. My current coverage is with Liberty Mutual... it expires in a few weeks, and if I renew the cost will be $1083/year. I went online this afternoon and got quotes from GEICO and Progressive. GEICO's price is $365 pe...
by catdude
Thu May 17, 2018 1:28 am
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 3103

Re: any disadvantages to using Delta Skymiles for fare?

Years ago, when I lived in the D.C. area and traveled to the west coast a couple times a year, I always paid for plane tickets rather than used mileage credits. Those miles came in very handy a couple times when my parents got sick and I had to fly to Oregon on short notice. I used my miles to buy t...
by catdude
Tue May 15, 2018 2:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10812

Re: Yes, I'm 89 all right!

Mr. Bogle -- Your book Common Sense on Mutual Funds changed my life. Thank you so much for that, and for everything you've done for investors. Happy Birthday, and I'm looking forward to reading your next book!
by catdude
Mon May 07, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3631

Re: When did you start drawing profits from taxable?

I've been retired for a few years now, and late last year -- in lieu of doing a Roth conversion -- I tapped my taxable account. Not because of any concern about the bull market running out of steam; I just needed the $$$ to buy my niece's car. I sold my holding in Vanguard 500 fund for a nice tax-fr...
by catdude
Mon May 07, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8803

Re: Bucket List Adventures/Activities

I just want to echo the folks upthread who mentioned total solar eclipses. I saw the one last August, and it was a truly wondrous thing to see. Definitely put it on your bucket list and do what you have to do to see one. I think the next one for the U.S. mainland is in 2023 or 2024.
by catdude
Sat Apr 28, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10147

Re: How did you tell the boss you're leaving/retiring?

El Greco wrote:
Thu Apr 26, 2018 8:27 am
by randomizer » Wed Apr 25, 2018 5:09 pm

I fantasize about this conversation almost daily.
+24

I fantasize about it almost hourly :D :D :D :D :D :D :D :D :D
This isn't the kind of thing I usually fantasize about. 8-)
by catdude
Thu Apr 26, 2018 3:01 am
Forum: Investing - Help with Personal Investments
Topic: Regarding Index Funds
Replies: 29
Views: 2978

Re: Regarding Index Funds

What are your investing goals? I would sell both, buy VTSAX (Vanguard Total Stock Market), and hold for 40 years. Not sure if this fits your goals though. This approach seems simple enough. My goal is to do nothing, and I thought I was being smart by going for the large market cap funds. Given that...
by catdude
Wed Apr 25, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10147

Re: How did you tell the boss you're leaving/retiring?

I don't remember a lot specifically about telling my boss that I was retiring. I think he knew that I'd been thinking about it for awhile, so when I set the date it wasn't a surprise to him. My original plan was to retire at fiscal-year-end (FYE), but higher-ups at my workplace asked me to delay it ...
by catdude
Sun Apr 22, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3653

Re: Need to cut the cable cord - is there an alternative?

OP, Once you develop a workable alternative to cable, your cable company will (I predict) offer you a sweet deal to stay. My local cable company did... I was ready to cut the cord, thanks to an OTA antenna and Sling TV. I called the cable company to cancel and they knocked 40% off my monthly bill to...
by catdude
Thu Apr 19, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5557

Re: PC laptops

If you want more life out of your computer (if possible): -Replace HD with SSD -Add Memory to 16GB Total -Replace bluetooth keyboard/mouse with USB wireless 2.4Ghz keyboard/mouse. Apple bluetooth keyboard and mice sometimes have latency issues. Thanks very much for the suggestions. I ordered a new ...
by catdude
Wed Apr 18, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5557

Re: PC laptops

Hi, OP again. Let me talk a bit about my old iMac. Maybe if I get more specific y'all can help me squeeze a bit more life out of it. When I say that it's slowed down, I mean that there frequently seems to be a latency or lag with several functions. For example, in typing this post, there have been a...
by catdude
Tue Apr 17, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5557

Re: PC laptops

I love the Bogleheads. OP asks for a PC, clearly meaning a windows computer, and gets 5 suggestions for a Chromebook and one nomenclature correction. Did they mean that? He or she never said Windows. They only indicated they didn't want a Mac, and they were looking to spend around $300. While admit...
by catdude
Tue Apr 17, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5557

PC laptops

Hi there Bogleheads - I'm in the process of exiting the Apple ecosystem. A couple months ago I replaced my iPhone SE with a Motorola Moto G. Now my iMac seems to be giving up the ghost. It's almost five years old and it's really slowing down. I'm thinking I'll get a new PC laptop. I was checking out...
by catdude
Tue Apr 10, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40056

Re: Name something you bought that wasn't cheap and glad you did

I bought a specialized cat ladder (7-step) for my kitties. They love it. Cost (including shipping): $400. Worth every penny...
by catdude
Mon Apr 09, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 150
Views: 10823

Re: Cash flow problems - best way to handle?

OP, Several folks have suggested cutting cable. That's a good idea, and one way to make that happen is to buy an over-the-air TV antenna. I bought one awhile back for 30 bucks from Amazon. It gets excellent reception (YMMV). And/or call your cable company to negotiate a better deal. Just this aftern...
by catdude
Sat Apr 07, 2018 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 4061

Re: Vanguard Customer Service

So what should I do? I've been with Vanguard for roughly 20 years and I've never had to call them. I've always been able to handle everything online. I imagine that will continue to be the case, but you never know... Should I drop them?
by catdude
Tue Apr 03, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 5410

Re: How did you file your income taxes?

I e-filed thru FreeTaxUSA in early February (my taxes are fairly simple). Got my federal refund in about a week, my state refund in about three weeks.
by catdude
Tue Apr 03, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 70
Views: 89179

Re: Opticians: is there any difference in quality of Costco glasses?

I just want to thank those of you who recommended Costco for glasses. Based on those recommendations, I decided to give them a try. I got a pair of glasses with progressive/transition lenses, and a pair of reading glasses, for an all-in cost of $285. IIRC last time I bought glasses (from one of the ...
by catdude
Mon Apr 02, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7441

Re: Sad because I did not know what I was doing with inheritance

OP, awhile back I posted a message admitting to a few of my dumb financial mistakes. That post got scores of responses! There are tons of Bogleheads out there who've made major mistakes but have learned from them and recovered to the point where they're in a good place financially. You can do the sa...
by catdude
Fri Mar 30, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25601

Re: Anyone Deleting Facebook?

I deleted my account earlier this week, though I hardly ever used it. I would typically check it every six months or so. Facebook just never really interested me all that much. But it feels good to break away from them for good.
by catdude
Tue Mar 27, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: What would you do if you were in charge of a State Pension Fund?
Replies: 36
Views: 2335

Re: What would you do if you were in charge of a State Pension Fund?

I worked for a municipality for many years (I'm retired now), and for most of that time I worked down the hall from the pension administrative office. Once or twice I got into conversations with the director of the pension funds regarding index funds. Not too surprisingly, she seemed to be threatene...
by catdude
Sun Mar 25, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5598

Re: Help needed before I go mad :D

2. I am probably speaking for many here...perhaps the majority, who , like me, did dumb things with their money when they were in their 30s - much dumber than what you did- and learned from the experience. I'd be embarrassed to share what I did with this crowd. Consider the price you paid a modest ...
by catdude
Sat Mar 24, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3626

Re: changing my signature when signing checks and credit card receipts

True confessions time, folks -- I stutter... it's pretty variable -- good days and bad days, etc. I bring this up because I don't just stutter when I talk, I stutter when I write as well. From what I hear, that sort of thing isn't unheard of. I have a helluva time when I have to produce a signature....
by catdude
Mon Mar 19, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 8436

Re: Incredibly sleazy Northwestern Mutual cold caller

I am sorry that we will never be able to enjoy such conversations, we are over 70, because we only pick up phones when we know the caller. Such cold callers also leave no messages, except once a fake IRS guy told us that we are in trouble, and we enjoyed listening to that recording many times. This...
by catdude
Sun Mar 18, 2018 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 33095

Re: Those with high savings rate: why?

Early retirement... My goal was to retire at 55, and I made it. Working for a living ain't all it's cracked up to be. :)
by catdude
Tue Mar 13, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4942

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Y'all - Just thought I would revive this thread to alert interested folks to another sale on the moto g5+. This time it's at Amazon, not Costco... here's a link to the 32gb version, which is available for $175 -- https://www.amazon.com/Moto-PLUS-5th-Generation-Exclusive/dp/B0785NN142/ref=pd_rhf_gw_...
by catdude
Tue Mar 13, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 44260

Re: What frugal thing did you do today?

I just bought a very Bogleheadish smartphone on sale at Amazon. It's the Motorola Moto G5 plus (64 GB, 4 GB RAM). I'd been thinking about it for a few days, and had decided to wait for it to come on sale. When I saw that Amazon had it for $210, I snapped it up. I've previously had a couple of Moto G...
by catdude
Tue Mar 13, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4942

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Y'all - Just thought I would revive this thread to alert interested folks to another sale on the moto g5+. This time it's at Amazon, not Costco... here's a link to the 32gb version, which is available for $175 -- https://www.amazon.com/Moto-PLUS-5th-Generation-Exclusive/dp/B0785NN142/ref=pd_rhf_gw_p...