Search found 341 matches

by dewey
Mon Aug 13, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 19097

Re: "Don't Obsess About Expense Ratios"

When Vanguard was thumping the competition with unbelievably low ER's, it made sense for that cost to be a significant factor when choosing a provider. But once the fees are close to identical or with very little difference, it loses its compelling consideration compared to the past. That's what I t...
by dewey
Sun Aug 05, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 64
Views: 6248

Re: What's you safety deposit box fee?

$50.00 year for a medium size box from our credit union.
by dewey
Sat Jul 07, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49759

Re: That Extravagant Thing You Do

I buy a new car every few years. I enjoy cars and though I'd be a wealthier man not doing it, I'm like a moth to the lights. My wife always says "You deserve it. You worked hard your whole life and you get real pleasure from a nice car." Otherwise...fairly smart about spending. 69 and drawing only 2...
by dewey
Thu Jul 05, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5619

Re: How to tip

youngpleb wrote:
Wed Jul 04, 2018 4:48 pm
20%-25% pre-tax for adequate to good service, down to 15% for bad service.
+1
by dewey
Sun Jul 01, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8150

Re: What % of your equity is int’l?

30% of equities is Total International Index
by dewey
Thu Jun 21, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Question
Replies: 4
Views: 593

RMD Question

RMD Question. I turn 70 on June 28 (2019) so I’ll be 70 1/2 on December 28 (I’m guessing). So that will be the year that determines my first payment which I'll make in 2020. I’d like to do charitable giving within the RMD, but, can’t make any donation prior to being 70 1/2 as I understand it. That’s...
by dewey
Mon Apr 23, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3438

Re: Looking to purchase new car/SUV

CR Buying Guide 2018, page 194 shows the trouble spots for the RDX. The most recent year they address is 2016 which gets high marks for reliability in all categories except in car electronics. But CR's reviews include ride, comfort, styling, etc. Much of that is individual preference. My focus was o...
by dewey
Mon Apr 23, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3438

Re: Looking to purchase new car/SUV

Look at CR Annual Review of all vehicles to see reliability of individual models. There's another site that consults individual owners about all makes where they log any/all problems. The RDX is a top performer. I'm out the door to an appointment now and will locate it later. But start with your sou...
by dewey
Mon Apr 23, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3438

Re: Looking to purchase new car/SUV

CR ranks the car manufacuters overall reliability etc as follows: 1. Genesis, 2. Audi, 3. BMW and #4 Lexus, #5 Porsche (see a trend here? Honda is 9, toyota 10 and Acura #22 (Acura has really dropped in CRs view). Where are you getting these numbers? Here is a October 2017 reliability report: https...
by dewey
Mon Apr 23, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: 2011 Acura RDX
Replies: 11
Views: 1161

Re: 2011 Acura RDX

The first generation RDX was amazing (2011 is First generation). Fun to drive. Super Handling All Wheel Drive (Acura's best system). The car has plenty of turbo charged zip. Handles really well. Reliable as heck. Acura's reliability has taken a hit recently but the RDX is exempt from the issues in a...
by dewey
Sun Apr 01, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 50
Views: 5235

Re: Customer Service with Vanguard

Overall I've been very pleased with customer service from Vanguard--and I've been with them for too many years to count.
by dewey
Sat Mar 24, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 7562

Re: Costco Kirkland Brand Liquor

I have a good friend who is frugal but not cheap. He always has bottles of Genlivet at his parties. I have known him for 15 years. I love Glenlivet on the rocks. I'm not a heavy drinker - only one or two drinks a couple times a week. Always enjoy his Glenlivet :D He confessed to me last year that h...
by dewey
Sat Mar 10, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds Bad Right Now?
Replies: 23
Views: 2540

Re: Are Bonds Bad Right Now?

I'm viewing rising yields as a case of short term pain for long term gain. I'm retired and in this for the long haul--I hope. So my AA dictates my bond holdings. We'll see if this was wise but I'm expecting in a few years these rising rates will stabilize bonds and they'll better be able to work the...
by dewey
Thu Mar 08, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1616

Re: Vanguard’s online RMD tool updated to facilitate QCDs

I start my RMD's next year too...but don't turn 70 and 1/2 until Dec. 28th. That's going to be tight for the QCD's. But if they get the checks cut and mailed before Jan. 1, 2020, that would seem to work okay? There has to be a way to avoid missing out on the QCD's otherwise it's not fair to some fol...
by dewey
Mon Feb 19, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10821

Re: Do you wear a wedding band? [at a job interview]

Second marriage. My wife's first. I didn't want a ring, she did. And she was fine with my not wanting one. When I interviewed, I openly spoke about family when asked. And it was obvious I didn't wear a ring. My wife's ring was special made and she likes it. But only wears it these days as jewelry fo...
by dewey
Sat Feb 03, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20072

Re: For BHs who actually like cars - what is your daily driver?

2016 Acura RDX Advance, 6 cylinder. Great car. DW has 2014 Mazda GTS.
by dewey
Thu Jan 11, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 2075

Re: anyone else enjoying an afternoon nap in retirement?

On occasion--not routinely. If I meditate, sometimes I'll eventually slip into napville. It's great.
by dewey
Thu Dec 28, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 151
Views: 11856

Re: What non fiction book will you be reading in 2018?

pezblanco wrote:
Wed Dec 27, 2017 10:25 pm
cheese_breath wrote:
Wed Dec 27, 2017 8:20 pm
The Bible.
You might try "Letter To A Christian Nation" by Sam Harris ... you might think of it as an intelligent commentary on your own particular non-fictional choice. :D
+1
by dewey
Mon Dec 25, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 25674

Re: 2nd million is easier!

My portfolio is at 1,700,000.00. My wife's is separate. But I'm now drawing from it at a rate of 2.9% a year roughly, starting in 2018. I'm 68. Are there other retirees with no future wage earnings whose portfolio keeps pushing their net worth higher? That's the only way I'll break the $2 threshold.
by dewey
Tue Dec 19, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12761

Re: Any Instant Pot users here?

So far I only do hard boiled eggs (perfect every time) and brown basmati rice (perfect every time). I haven't made any regular recipes because so many call for stopping and starting the IP and I'm not sure footed about all that. Plus so many of our recipes are well established using traditional mean...
by dewey
Tue Nov 28, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6453

Re: How Do You Stay Current With Popular Music?

I listen to Sirius stations when I drive that are contemporary and alternative rock. I also shazam music everywhere I go. The new stuff I like, I then purchase on iTunes and then assemble playlists as I go. I make 3-4 new playlists a year. I then burn discs as gifts to a small circle of friends who ...
by dewey
Sun Nov 12, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 12094

Re: Do you meditate?

I do, and always enjoy it. I don’t do it daily which I want to commit to. I just downloaded Headspace app. Thanks for that suggestion.
by dewey
Thu Nov 02, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3187

Re: New 2 comma member

:sharebeer

Wonderful and good for you. It’s an accomplishment and you did it.
by dewey
Sun Oct 15, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 12271

Re: New mattress

We’re having a new Pure 100% latex mattress delivered next week. My research led us to latex. Our current foam mattress has worked well but we’re excited for the latex upgrade.
by dewey
Sun Oct 15, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 9591

Re: What are you driving? And would you buy your current ride again?

Wife has a 2014 Mazda 3 GTS. It has all the new safety features. Sporty ride and drive. And we average 30 mpg in mixed driving. She loves the car. Would definitely buy again. I drive a 2016 Acura RDX. Terrific vehicle in literally all ways. This is our AWD vehicle and would purchase again in a heart...
by dewey
Sun Oct 08, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 8418

Re: Has your "risk tolerance" been tested?

My wife and I both agreed that we should do absolutely nothing. And as I've said, the right description of 2008-2009 was not "we stayed the course" but "we froze like deer caught in the headlights." I'm a fraidycat and have always had "too conservative" an allocation. As a matter of fact in 2007 I ...
by dewey
Thu Oct 05, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 13231

Re: Millionaire Next Door (Thank you Bogleheads)

Always great hearing the two comma news. Good for you!!!
by dewey
Wed Oct 04, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 5107

Re: another 2 comma club member

Awesome...with a side of awesome sauce. Congrats!!!
by dewey
Wed Oct 04, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 7432

Re: Does anyone hold cash?

Retired, holding approximately 2 years living expenses in cash.
by dewey
Sat Sep 30, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 5204

Re: Waxing my car!

I use Griot's Poly Wax. It is very easy to apply and remove. One of the easiest I've ever used. It gives a really nice shine. And is extremely durable and long lasting.
by dewey
Sun Sep 24, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 14048

Re: Lifestyle Creep

I'm 68, my wife is 65--both retired. Our house is a regular 3 bedroom 2 bath. We clean it ourselves. We do all the yard care and mowing (smaller lot of course). I clean the gutters. We wash our windows when our mostly younger neighbors hire it out. We cook most of our meals at home but when we go ou...
by dewey
Fri Sep 15, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Personal Milestone-this is the only place to share
Replies: 21
Views: 2839

Re: Personal Milestone-this is the only place to share

Excellent--congrats! Puts a bounce in your step today...
by dewey
Sun Sep 03, 2017 1:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 22706

Re: [Are the Bogleheads] getting less interesting?

“The measure of an education is that you acquire some idea of the extent of your ignorance.” Christopher Hitchens
by dewey
Fri Sep 01, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 57
Views: 6588

Re: Are Roomba's effective?

We have the 800 series and I wouldn't buy one again. It's cleaning capacity is mediocre compared to a vacuum cleaner or stick. Basically worthless on carpet so we only run it on hard surfaces. You have to prep the spaces it will run in or else it's likely to get stuck. Since it has these operational...
by dewey
Tue Aug 08, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2401

Re: Question for Buick Verano (non turbo) or Mazda3 owners

My wife has a Mazda 2014 Grand Touring Sport w/automatic transmission (purchased new). Great car. Handles well. Has all the modern safety features. Terrific gas mileage. No behavior issues to date. I enjoy it too. I like a bit more comfort and quieter ride but this is a sportier car and that explain...
by dewey
Tue Jul 18, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 5215

Re: Good Service for Flagship Investors

My first Flagship Rep was outstanding. He was promoted and his replacement was not as stellar. I made a change and my current Rep is terrific. Prior to Flagship all my service was very good. I've been with Vanguard a long time and would give their service two thumbs up.
by dewey
Thu Jul 06, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 17792

Re: How did you handle the costs of your child's wedding?

I told my daughters--many decades ago--when they got married they'd get $10,000.00 each to use as they chose (wedding fun, honeymoon travel, toward house down-payment---up to them). My younger daughter asked what would happen if they didn't get married. I said "Then you get $20,000.00"
by dewey
Tue Jun 06, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Expense Ratio Advantage
Replies: 37
Views: 3847

Re: Vanguard Expense Ratio Advantage

The others have lowered their ER's for one reason as far as I can tell--Vanguard was eating their lunch. Had Vanguard never existed what's the chance they'd do what they're doing now? I give Vanguard my business in part to support them for having supported me--over the long haul.
by dewey
Sun Apr 23, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 24249

Re: Any regrets living a frugal life for high income/high networth individuals?

OP, take a reality check. (and I mean that in a nice way). You live probably a really really nice life style compared to almost everyone in the world. I could be wrong, but my guess is your total cash outlay over the course of a year is between $75,000 and $100,000 a year. That isn't living frugall...
by dewey
Fri Mar 31, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Keep two cars for one person to drive
Replies: 34
Views: 4255

Re: Keep two cars for one person to drive

My thoughts? If the numbers are reasonable and you can manage the two vehicles - why not? I used to drive a sporty Acura hatchback and now have the same Toyota Tacoma as you as a daily driver. I love the utility of the Tacoma for weekend tasks and hauling things but I'd be lying if I said I didn't ...
by dewey
Tue Mar 14, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum
Replies: 37
Views: 10566

Re: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum

njay73---

I didn't see your age? Just curious. But definitely congratulations regardless of it!
by dewey
Mon Feb 27, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 4607

Re: Outdoor grill: gas or electric?

I have the Weber Genesis stainless steel natural gas grill (direct feed from the house--no need to fill cans) and a Traeger. They serve different purposes. But what I've been doing with steaks and chops is, smoke the meat for a while on the Traeger to give that added flavor, then, finish it with a v...
by dewey
Wed Feb 22, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 43
Views: 5369

Re: Dishwasher suggestions. LG Quad Wash vs???

Bosch 800 and 500 series with top 3rd shelf is very popular. I have an older generation Bosch in my house (without the top shelf) and very happy with it. I'd not hesitate to buy another Bosch DW should this one go bad and need a replacement. Edit- thesweethome agrees: http://thesweethome.com/review...
by dewey
Tue Jan 03, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 7627

Re: TV in the bedroom?

We have one in the bedroom. We use it sparingly but almost nightly before sleeping. DW sleeps like a rock so is never disturbed if I use it and she wants to sleep. I on the other hand...
by dewey
Fri Oct 14, 2016 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Who is a true Boglehead?!
Replies: 38
Views: 3196

Re: Who is a true Boglehead?!

Tamalak wrote:
lagflag wrote:
leonidas wrote:They will let you slide with just one missed step :D
But but but I once tried to time the market (and I beat it actually). Any chance now? :|
Leave and never return!
I took "leave and never return" completely as humor.
by dewey
Fri Oct 07, 2016 5:27 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 8044

Re: Johnnie Walker Blue worth the cost?

For those who prefer JW Black, I'd suggest giving Famous Grouse Smokey Black a try (previously the Black Grouse). I used to be a fan of JW Black but much prefer the Grouse--and at a better price point to boot.
by dewey
Thu Sep 15, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 8594

Re: Recommendations for Small or Midsize SUV/Crossover

Based on your criteria--I'd suggest adding the Acura RDX to you list. It checks all the boxes except turbo engine. But it has an excellent engine in terms of power (6 cylinder). But it also makes many important safety features available at a surprising price for a premier brand.
by dewey
Fri Aug 19, 2016 11:11 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 14939

Re: Favorite Restaurant Stop on Road Trips

happyisland wrote:I'm honestly shocked that there are so many votes for Chik Fil A. Who puts a bread and butter pickle on a fried chicken sandwich? I know you can pick it off, but that is just downright suspicious behavior.

+1
by dewey
Fri Aug 05, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 7181

Re: Work in Vancouver, WA..possibly live in Camas?

Camas has good schools but as others have said--so does Vancouver. Likely more diversity in many Vancover schools than Camas since Camas is much higher income. Vancouver is a great place to be retired--which we are. And we go to Portland 2-3 days a week for meals and entertainment. We time most of i...