Search found 28 matches

by Sam314159
Sun Jul 06, 2014 7:23 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 133973

Re: Boglehead Beer

I buy "mystery cases" from a local distributor. Cost is $25/case, and quality is usually pretty good. Stone IPA is a common grab.
by Sam314159
Thu May 22, 2014 8:09 pm
Forum: Personal Consumer Issues
Topic: Masonite Siding
Replies: 26
Views: 7432

Re: Masonite Siding

I worked on some of the legal issues associated with Masonite. Had a chance to talk to lots of the engineers involved in designing and making the stuff. They all agreed it works fine if maintained properly, but it's a lot of work to maintain. Keep water away at all costs. No bushes or sprinklers clo...
by Sam314159
Thu May 22, 2014 8:02 pm
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1465

Re: First Ironman Triathlon Next Year -Any Good Books

They aren't how-to books, but two good ones I've read are "you are an Ironman" by Jacques Eisenberg (?) and that book by Rich Roll. Both very inspiring.
by Sam314159
Mon Apr 21, 2014 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: 529's not recommended
Replies: 24
Views: 4042

Re: 529's not recommended

One other option to consider: Invest in MS plan only up to the level of tax benefit, and then other investments go to another state. For example, I am in a state with a $2500 cap. We have an auto invest set at $210/month to get that tax benefit. But any other investments we can afford go to a Utah p...
by Sam314159
Fri Apr 11, 2014 7:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1470087

Re: What Book Are You Currently Reading? Part V

The Martian by Andy Weir. Don't know if this has been mentioned yet. Novel about a man who was left on Mars after a six person expedition to the planet was aborted. The other five escaped thinking he was dead. The story of his struggle to survive and the efforts of NASA to rescue him. Brilliant and...
by Sam314159
Sat Mar 08, 2014 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Paying extra directly onto mortgage
Replies: 17
Views: 1946

Re: Paying extra directly onto mortgage

I think you should pay off early like your wife wants. There are lots of moving pieces here, and family dynamics with FIL. I suspect whatever financial benefit you might gain from making the most efficient money decision might not be significant in comparison to the family dynamics issues it creates...
by Sam314159
Sat Mar 01, 2014 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 21137

Re: What was your dumbest financial decision?

Cashed out my 401k when I changed jobs. Dumb dumb dumb. Only silver lining is that I was 28, so 401k wasn't worth a whole lot. Maybe 10k.
by Sam314159
Sat Mar 01, 2014 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Finances and taxes for purchase and renovation of house
Replies: 0
Views: 214

Finances and taxes for purchase and renovation of house

I need help please, to think through the issues associated with buying a house and renovating it. Here's the situation: Our current house is 100% paid for, with only a relatively small HELOC loan outstanding (which we could easily pay off, but the interest rate is so low it makes better sense to kee...
by Sam314159
Wed Feb 26, 2014 4:11 am
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 7780

Re: True Detective anyone?

"I'd appreciate a little hustle-up on that."
by Sam314159
Tue Feb 25, 2014 6:15 am
Forum: Personal Consumer Issues
Topic: Lock change: Best Timing?
Replies: 7
Views: 1047

Re: Lock change: Best Timing?

All good advice. Very helpful, and much appreciated. Many thanks.
by Sam314159
Mon Feb 24, 2014 7:09 am
Forum: Personal Consumer Issues
Topic: Lock change: Best Timing?
Replies: 7
Views: 1047

Lock change: Best Timing?

I need some logistics help here. We just contracted to buy an older house in need of 6-9 months of professional renovation before we move in. The sellers have 30 year old door locks that are not very secure, and in some spots are "locking" exterior doors by stacking cinder blocks against t...
by Sam314159
Wed Feb 05, 2014 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Higher Base or Bonus Incentive?
Replies: 6
Views: 839

Re: Higher Base or Bonus Incentive?

Bonuses by employers are often a scam. Make sure to ask several employees at your level from the new employer whether the bonuses are real. Get a sense of amount too. If new job averages just 25k bonuses, you're in exact same spot salary-wise as at the current job.
by Sam314159
Thu Jul 25, 2013 6:53 pm
Forum: Personal Consumer Issues
Topic: Paper versus e-Reader
Replies: 60
Views: 5596

Re: Paper versus e-Reader

Don't knock the ebooks until you try them. I was a diehard who said for years I preferred paper books ... Until I really gave ebooks an honest try. Now I prefer the ebooks. I carry my phone on my pocket, and so always have 2-3 books with me. The library systems are starting to have good selections o...
by Sam314159
Sat Mar 30, 2013 9:40 pm
Forum: Personal Consumer Issues
Topic: Casual Wardrobe Advice Wanted
Replies: 65
Views: 13138

Re: Casual Wardrobe Advice Wanted

MM, consider a trip or two to your local thrift store. It's a little hit or miss, but you likely can walk out with 2x pants and 2x shirts for under $20. They might not be your first-line fanciest casual clothes, but they will be a good way to try out what you might like and add some volume to your w...
by Sam314159
Sun Mar 17, 2013 7:56 pm
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 12386

Re: What Type Of Wallet Do You Prefer?

Second m I've had the original nylon for years. I actually bought a replacement when it developed some holes in the corners, but the "rip-stop" nylon is true to its name and they haven't gotten any bigger so the replacement is still sitting on the shelf. It's amazing how efficiently it ho...
by Sam314159
Sat Feb 23, 2013 7:16 pm
Forum: Personal Consumer Issues
Topic: books on leadership and management
Replies: 3
Views: 442

Re: books on leadership and management

I read one a few years ago by some former Navy ship captain, and it was good. If you are in legal area, The Trusted Advisor is a classic.
by Sam314159
Wed Jan 09, 2013 10:34 pm
Forum: Personal Consumer Issues
Topic: Recommended Adventure PC Video Games?
Replies: 37
Views: 3736

Re: Recommended Adventure PC Video Games?

I recently read a good review of Machinarium. Seems on target for you.
by Sam314159
Thu Dec 20, 2012 3:43 am
Forum: Personal Consumer Issues
Topic: Tempur-Pedic mattresses
Replies: 64
Views: 7891

Re: Tempur-Pedic mattresses

We have a true Tempurpedic we received as a gift, and also a knockoff we bought for daughter from Costco. I like both and notice no difference in quality. Go with Costco.
by Sam314159
Sun Dec 02, 2012 6:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1470087

Re: What Book Are You Currently Reading? Part V

Recently finished Cormac McCarthy's The Road . Not bad, but it certainly did not live up to the hype. Blood Meridian and the border trilogy are also in my to-read pile; apparently the consensus is that they're better than The Road . Now reading Roger Lowenstein's Buffett: The Making of an American ...
by Sam314159
Wed Jan 25, 2012 1:02 pm
Forum: Investing - Theory, News & General
Topic: Indexing and Scalability
Replies: 19
Views: 1103

Re: Indexing and Scalability

When these discussions come up, I feel a little like I am in wonderland. Don't get me wrong -- I don't actually have $20m, or even $2m for that matter. I'm just posing the question as a thought experiment to examine the theory behind optimal AA, and how it might change as someone's total assets per...
by Sam314159
Wed Jan 25, 2012 11:57 am
Forum: Investing - Theory, News & General
Topic: Indexing and Scalability
Replies: 19
Views: 1103

Re: Indexing and Scalability

Let me slightly refine OP's question to make it a little harder. What about scalability comparisons between a portfolio of $2m versus $20m, for someone whose foreseeable lifetime retirement needs are more-than-adequately covered by $2m? In other words, once someone surpasses his likely needs, and th...
by Sam314159
Tue Jan 10, 2012 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review that's long overdue - need more bonds
Replies: 14
Views: 1648

Re: Portfolio review that's long overdue - need more bonds

let's turn this around. If stocks always outperformed bonds over a long enough period of time, why would there be an equity risk premium? This is where my investing ignorance shines through -- I don't even understand your question. What do you mean by "equity risk premium"? I'd imagine it...
by Sam314159
Tue Jan 10, 2012 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review that's long overdue - need more bonds
Replies: 14
Views: 1648

Re: Portfolio review that's long overdue - need more bonds

there is this very mistaken belief floating around out there that if you just hold stocks long enough, they will always outperform bonds. That is wrong. Here is just one example: US treasuries have outperformed US stocks for the last 30 years. Hold bonds not only to make stock declines more palatab...
by Sam314159
Tue Jan 10, 2012 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review that's long overdue - need more bonds
Replies: 14
Views: 1648

Re: Portfolio review that's long overdue

Yes, in your example, you are right that a 50% decline in markets would hit my 90/10 portfolio much harder than a 70/30 portfolio. But a 50% increase in markets would also benefit my 90/10 portfolio much more than a 70/30 portfolio. And given the current historic low interest rates, it seems a lot ...
by Sam314159
Tue Jan 10, 2012 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review that's long overdue - need more bonds
Replies: 14
Views: 1648

Re: Portfolio review that's long overdue

Thanks for the book leads, Bobby. I've reserved the Thau and Swedroe books at my local library, so will read them over the next couple weeks. On bonds, I'm still not understanding. Please understand, I'm not trying to argue against you. I freely admit I am highly ignorant about bonds. I ask probing ...
by Sam314159
Mon Jan 09, 2012 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review that's long overdue - need more bonds
Replies: 14
Views: 1648

Re: Portfolio review that's long overdue

on the surface you are 85/15 which itself is extremely, probably unreasonably aggressive for someone your age and with your family depending on the investments. But it's worse than that. 8% or more than half of your bonds are in fact high-yield bonds, which have stock-like risks, stock-like volatil...
by Sam314159
Mon Jan 09, 2012 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review that's long overdue - need more bonds
Replies: 14
Views: 1648

Portfolio review that's long overdue - need more bonds

Hello all. I recently discovered this forum and have been reading the collective wisdom with great interest. Over the years, I have read a several Bogle-ish books and articles, and they definitely have formed the basis for my investing beliefs. But until fairly recently, I have taken a fairly unfocu...