Search found 42 matches

by boglethat
Sun Jun 14, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32019

Re: Really hard to avoid "Keeping up with the Joneses"!

My wife and I both grew up in a similar socioeconomic background. Through a variety of reasons, we were always the "poor" kids in the wealthy neighborhood or school. "The Janitor's kid" at a private school, if you will. For me, this has been the case pretty much from elementary school all the way t...
by boglethat
Tue Jun 02, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Looking for some information on Italy trip
Replies: 24
Views: 1321

Re: Looking for some information on Italy trip

Thanks for the advice so far. The seven days is about all I'm able to do with my job. We did London last year and a lot of people said the same thing that we shouldn't go but we had a great time and felt like we were able to see most everything we wanted to see in the 7 days we were there. The jet ...
by boglethat
Tue Jun 02, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11330

Re: The "Best of" for Aldi?

We love that when we travel back to the States, we can drive just around the corner to Aldi. Many of the products are the same as here in Germany. Their chocolate is rated one of the best in Germany and it is exactly the same. Their bratwurst and salamis cut the mustard for my husband, a German. He...
by boglethat
Tue Jun 02, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11330

Re: The "Best of" for Aldi?

I recently bought a container of Friendly Farms whole milk Greek yogurt from Aldi. (Friendly Farms is the Aldi house brand for dairy products.) It's honestly the best yogurt I've ever had. This now makes me wonder what other Aldi products are out there that generally exceed one's expectations. If I...
by boglethat
Tue Jun 02, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: Looking for some information on Italy trip
Replies: 24
Views: 1321

Re: Looking for some information on Italy trip

My wife and I have been discussing a trip to Italy next year, assuming the international travel is allowed of course. We are considering going in either May or September depending on work schedules. We hope to have 6 to 7 full days once we land, and are trying to decide on an itinerary for our trip...
by boglethat
Tue Jun 02, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: What impact will ending extra unemployment have?
Replies: 2
Views: 387

What impact will ending extra unemployment have?

The extra $600 per week/$2,400 per month benefits are set to end July 31st.

Does anyone think they will be extended? If so, for how long?

If not, will that sudden decrease in income for many have an impact on the stock markets?

Thanks for your insights.
by boglethat
Mon Jun 01, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: Economy and The Markets
Replies: 36
Views: 2262

Re: Economy and The Markets

As for why the S&P 500 is outpacing the real economy: I think there is one plausible explanation. The S&P 500 are some of the largest companies in the U.S. Given that they have better access to capital, it's plausible to think they are better situated to ride out the downturn and will be able to pu...
by boglethat
Mon May 25, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1823

Re: Self Isolating Winter Getaway Ideas

That all seems reasonable to me. Part of me wants to daydream a bit about a bigger excursion even if we can't make it happen. But we'll wait to book anything unless there's free cancellation. Renting an RV could be fun and a memorable experience. If you actually want to take a trip you might want t...
by boglethat
Mon May 25, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1823

Re: Self Isolating Winter Getaway Ideas

atikovi wrote:
Mon May 25, 2020 1:50 pm
It's the end of May. Unless you're writing this from the north slope of Alaska, winter is over.
I think he means next winter.
by boglethat
Mon May 25, 2020 1:24 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6753

Re: I have no risk tolerance: where am I supposed to keep my money?

It's a somewhat tongue-in-cheek question but I'm also somewhat serious. Recent market volatility is making me sick, to the point where I've learned that I'm not sure I can handle it. I am not so idealistic as to believe that stocks always go up. The stock market did not recoup it's 1929 crash until...
by boglethat
Mon May 25, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 63
Views: 6884

Re: El-Erian comments on the crisis

"You only get one whack at the cat." I observe lots of traffic at local restaurants, stores, etc. Most people not wearing masks or being careful about distancing. If cases and deaths spike up, will we just keep marching into the abyss, or will things have to shut down again? I guess it depends on h...
by boglethat
Mon May 25, 2020 11:25 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 63
Views: 6884

Re: El-Erian comments on the crisis

CULater wrote:
Sun May 24, 2020 1:25 pm
This is a good time to have "won the game", right Dr. Bernstein?
What do you mean?
by boglethat
Mon May 25, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8732

Re: Anyone screwed up timing the market?

I did too. I sold in April when it was heading back up. I simply panicked and haven't had the nerve to get back in because I fear it is going to drop a lot again. So I guess I am still timing the market; this pandemic has me completely freaked out. It is not easy to admit it on this forum because ti...
by boglethat
Mon May 25, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 63
Views: 6884

Re: El-Erian comments on the crisis

"You only get one whack at the cat." I observe lots of traffic at local restaurants, stores, etc. Most people not wearing masks or being careful about distancing. If cases and deaths spike up, will we just keep marching into the abyss, or will things have to shut down again? I guess it depends on h...
by boglethat
Mon May 25, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 63
Views: 6884

Re: El-Erian comments on the crisis

The big question is if there is a second wave in the Fall. Dr. Fauci says it is likely that this will become a seasonal virus and Brazil and South America are quickly becoming the hotspots of the World as their Winter approaches. We might get a recovery in the summer and people let their guards dow...
by boglethat
Mon May 25, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1823

Re: Self Isolating Winter Getaway Ideas

We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm weather (60+ highs) is desirable and something where we can get out in nature is a must. Also avoiding big crowds and big cities would be critical. East Coast would sa...
by boglethat
Sun May 24, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1823

Re: Self Isolating Winter Getaway Ideas

Thanks for the replies. Good to know about Hawaii. We'll probably just plan to drive someplace which pretty much limits our search to Florida if we want warm weather. We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm ...
by boglethat
Sun May 24, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1823

Re: Self Isolating Winter Getaway Ideas

Thanks for the replies. Good to know about Hawaii. We'll probably just plan to drive someplace which pretty much limits our search to Florida if we want warm weather. We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm ...
by boglethat
Sat May 23, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4440

Re: Del Webb 55+ communities?

Do any of you live in a DW community or have thoughts about them vs. other similar active retirement communities? Looking for thoughts/opinions, etc. Florida based would be my first choice. Thanks I rented a condo in a +55 community that I really liked in Bradenton Florida called Timber Creek. Most...
by boglethat
Sat May 23, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10834

Re: Personal spending out of control after Covid-19

Hey me too and I suspect many other people with the drinking more and spending more shopping online. OK, I buy cheap stuff and you buy expensive stuff. You probably drink better wine than I do too . So the answer is yes I have seen my health habits slip and I am spending more online but less overal...
by boglethat
Sat May 23, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1823

Re: Self Isolating Winter Getaway Ideas

We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm weather (60+ highs) is desirable and something where we can get out in nature is a must. Also avoiding big crowds and big cities would be critical. East Coast would sa...
by boglethat
Sat May 23, 2020 5:25 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

The current 30 day yield on Total Bond is around 1.50% vs 3% TIAA Traditional...seems pretty clear which will win over the next 6-8 years*. The 9 year + 1 day conversion adds a wrinkle though. If my sole focus was to maximize return, I would be inclined to go with TIAA Traditional or, as suggested ...
by boglethat
Sat May 23, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10834

Re: Personal spending out of control after Covid-19

Since the pandemic erupted, and the kids have been home alone with me while my wife goes off to work, I find I'm drinking more and spending more time shopping online. In the past month, I've spent a ridiculous amount of money replacing a tree that had been bothering me since we moved into the house...
by boglethat
Sat May 23, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10834

Re: Personal spending out of control after Covid-19

Since the pandemic erupted, and the kids have been home alone with me while my wife goes off to work, I find I'm drinking more and spending more time shopping online. In the past month, I've spent a ridiculous amount of money replacing a tree that had been bothering me since we moved into the house...
by boglethat
Wed May 20, 2020 10:48 am
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

The current 30 day yield on Total Bond is around 1.50% vs 3% TIAA Traditional...seems pretty clear which will win over the next 6-8 years*. The 9 year + 1 day conversion adds a wrinkle though. If my sole focus was to maximize return, I would be inclined to go with TIAA Traditional or, as suggested ...
by boglethat
Wed May 20, 2020 10:47 am
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

I am going to initially transfer to the bond fund because transferring to TIAA is irrevocable. Then I will think about it and hope the TIAA rates don't go down while I'm doing that but they probably will. Thanks for the input. I don't think it is true that it is irrevocable in the sense that you ca...
by boglethat
Tue May 19, 2020 4:25 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

If you want to put money in the bond fund, then yes, do it directly. If you want to put money into TIAA Traditional, then do that because it is not irrevocable in that can transfer 10% a year over the next 9 years and 1 day to another fund. That "another fund" could be a bond fund or even TIAA Real...
by boglethat
Tue May 19, 2020 4:13 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

I am going to initially transfer to the bond fund because transferring to TIAA is irrevocable. Then I will think about it and hope the TIAA rates don't go down while I'm doing that but they probably will. Thanks for the input. I don't think it is true that it is irrevocable in the sense that you ca...
by boglethat
Tue May 19, 2020 4:02 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

I am going to initially transfer to the bond fund because transferring to TIAA is irrevocable. Then I will think about it and hope the TIAA rates don't go down while I'm doing that but they probably will. Thanks for the input.
by boglethat
Tue May 19, 2020 3:55 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

OP, here's a link to an interesting comparison, FYI: Is TIAA Traditional a Good Deal? - The Accumulation Phase https://4.bp.blogspot.com/-YUe9HRFBo9Q/ToPsROyBLCI/AAAAAAAAAAs/Jqu9XpXua9A/s1600/Capture.JPG They all look very similar to me. But I read somewhere something like "Past performance is no i...
by boglethat
Tue May 19, 2020 9:38 am
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

I don't care that I cannot use TIAA Traditional for rebalancing as it only makes up a portion of my bond space. I can use my other bond funds for rebalancing. In today's market I wish that I had the ability to add more dollars to traditional at a guaranteed 3.0% yield or better still at the 4.0% th...
by boglethat
Mon May 18, 2020 7:02 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

TIAA Traditional is less volatile than a bond index. So what? If one isn't looking at their investments, then they wouldn't even know that. Also a big negative for TIAA TA is that it really cannot be used for rebalancing which is a big deal in the World of Bogleheads. I don't care that I cannot use...
by boglethat
Mon May 18, 2020 5:38 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

Re: TIAA traditional vs. Vanguard Total Market Bond index

TIAA Traditional is less volatile than a bond index. So what? If one isn't looking at their investments, then they wouldn't even know that. Also a big negative for TIAA TA is that it really cannot be used for rebalancing which is a big deal in the World of Bogleheads. I don't care that I cannot use...
by boglethat
Mon May 18, 2020 3:10 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2665

TIAA traditional vs. Vanguard Total Market Bond index

Hi, I want to move some money out of TIAA real estate and into either TIAA Traditional or the Vanguard Total Market Bond Index Fund which I can get under my TIAA account. The 10 year return on the Vanguard bond index has been 3.86% and has a 0.04% expense ratio. I could get 3% on the TIAA Traditiona...
by boglethat
Sun May 17, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5684

Re: Thinking of buying a boat during pandemic – am I CRAZY?

You can easily afford it and in these times when we should not be going out to crowded restaurants, concerts, bars etc. you and your family can take the boat out provided it is allowed. In any case, with so much reopening it should be allowed soon but still safer IMHO that a lot of other activities ...
by boglethat
Wed Jun 14, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 9366

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

I inherited two small apartments so am an unwilling landlord and hate it. I don't like my investments to have such a personal, human factor. I also think real estate has too many unpredictable expenses and is too much work in general. I am trying to sell them now.
by boglethat
Sun Feb 03, 2013 6:30 pm
Forum: Non-US Investing
Topic: Invest total now or Euro cost average with lump sum?
Replies: 12
Views: 1535

Re: Invest total now or Euro cost average with lump sum?

Thanks all. I did happen on that thread about investing lump sums vs. DCA and found it very useful. I'll probably do a 50/50 asset allocation soon.
by boglethat
Sun Feb 03, 2013 6:25 am
Forum: Non-US Investing
Topic: Invest total now or Euro cost average with lump sum?
Replies: 12
Views: 1535

Re: Invest total now or Euro cost average with lump sum?

Aptenodytes,

I did change my AA from 90% equities/10% real estate after my husband's death to about a 60/40 equities/fixed income split.
by boglethat
Sun Feb 03, 2013 6:12 am
Forum: Non-US Investing
Topic: Invest total now or Euro cost average with lump sum?
Replies: 12
Views: 1535

Re: Invest total now or Euro cost average with lump sum?

Bustoff, So far the money is sitting in an account not earning anything. If I keep it there I assume I will eventually lose to inflation. Are you suggesting the liquidity is worth that loss and I should keep it liquid despite the long term costs? Or is there something other than the "casino" to put ...
by boglethat
Sat Feb 02, 2013 6:59 pm
Forum: Non-US Investing
Topic: Invest total now or Euro cost average with lump sum?
Replies: 12
Views: 1535

Re: Invest total now or Euro cost average with lump sum?

Excellent questions. I would like to keep the money invested indefinitely and eventually draw from the earnings. If I am unemployed for longer than a year I will probably start to draw money from my 403B and possibly begin to collect Social Security as a last resort since I know it is better to wait...
by boglethat
Sat Feb 02, 2013 7:32 am
Forum: Non-US Investing
Topic: Invest total now or Euro cost average with lump sum?
Replies: 12
Views: 1535

Re: Invest total now or Euro cost average with lump sum?

Any other opinions? I think I'll keep enough in cash to cover my debt but not pay it off immediately. I do not want to trade Euros to Dollars because we need more Euros than we do dollars and I assume there would be transaction costs associated with trading. I already have my retirment in dollars an...
by boglethat
Fri Feb 01, 2013 6:22 pm
Forum: Non-US Investing
Topic: Invest total now or Euro cost average with lump sum?
Replies: 12
Views: 1535

Invest total now or Euro cost average with lump sum?

I am a 60 year old woman with low six figures in a 403B which I've been dollar cost averaging into since 1986. I was in about 90% low cost index mutual funds and 10% in a real estate fund. I was very risk tolerant because my husband had an extremely secure job. Then he was killed last summer in a tr...