Search found 1606 matches

by S&L1940
Sun Jan 20, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 59
Views: 6666

Re: The NY Times calls us a cult but in a good way

One could make a strong argument that readers of the NY Times are themselves a cult. You know, you could be right. Have had the Times delivered to me for years in three different states, five different cities. They keep trying to drive me off with higher costs yet I hang in there. Personally, their...
by S&L1940
Sun Jan 20, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 122
Views: 5294

Re: Paying thousands per ticket to attend the NFL Super Bowl?

samsdad wrote:
Sun Jan 20, 2019 8:18 pm
No. No longer interested in watching the NFL.
Usually the local paper has the results the next day, good enough for me.
by S&L1940
Sun Jan 20, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

Is there a Ralph's around here? Yeah, but, you gotta know which way the wind is blowing... Dear wife and I have a family plot bought many years ago with in-laws. Otherwise we would have passed up the burial. Cremation will be less than $2k (each) including a room for a memorial service. Major outla...
by S&L1940
Fri Jan 18, 2019 11:01 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 59
Views: 6666

The NY Times calls us a cult but in a good way

The NY Times devoted another three pages to Jack Bogle on Friday. And they managed to give Bogleheads a nod but neglected to note our forum. Here is hoping the ones that can benefit from Bogleheads.org will search for us. https://www.nytimes.com/2019/01/17/your-money/jack-bogle-vanguard.html “He alw...
by S&L1940
Thu Jan 17, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 9997

Re: Favorite quotes from Jack Bogle...an amazing man

"In investing, you get what you don't pay for" Thank you for all you've done for all the average investors out there. For making the world a better place. Rest in Peace... hard to pick out the definitive Jack Bogle quote, the above works well. The NY Times did a nice piece on Mr. Bogle, check out t...
by S&L1940
Sat Jan 05, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3760

Re: Paying (paper) cash for daily transactions

Most days I leave the house with no cash whatsoever. The dear wife thinks I am tempting fate yet as far as I am concerned, credit cards rule. Went to pick up a prescription and the charge turned out to be $0.31. I apologized, yet the pharmacist did not bat an eye as I ran the card through the counte...
by S&L1940
Wed Jan 02, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2202

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

An monthly credit card statement and an excel spread sheet with various categories should simplify the process. Yep, that is what I do. except I fall behind and not so suddenly have to dig up months of transactions This thread motivates me to try, try again. We write maybe a dozen paper checks a ye...
by S&L1940
Tue Jan 01, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8114

Re: Saving at Costco

Are you using the products or wasting/throwing them? Beverages - This is an area to slash if it bothers you. Don't buy soda and other non-water beverages. Why buy water? Use a counter top or under the sink filter and you will most likely have a healthier drink than what comes in those expensive pla...
by S&L1940
Thu Dec 13, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buy now or wait?
Replies: 13
Views: 1237

Re: Buy now or wait?

Market timing? If you are going to be spending 5, 10, 20 years there whether as a primary of secondary home, will the possible lower cost make that much of a difference? The "experts" say the home market is slowing down, if I chose to wait and the good buy or something similar was not available duri...
by S&L1940
Fri Dec 07, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Brinks Security cancellation
Replies: 6
Views: 534

Re: Brinks Security cancellation

I had a big problem canceling my security service with another company -- not Brinks. I had an automatic bank draft payment to them each month. When I canceled the service, they continued to draft my bank account. The only way I was able to stop it was to stop payment at my bank which cost me $38. ...
by S&L1940
Sat Dec 01, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6172

Re: I'm up 5% ytd and I will take it

The market is not worth keeping track of day to day and hardly worth tracking year to year or worrying about. Every investor should have a 50+ year time horizon and pretty much ignore financial movements and news. How can a 61 year old have a 50+ year timeline. My asset allocatio Reflects my shorte...
by S&L1940
Wed Nov 14, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7341

Re: Are you all staying the course?

Yep, staying the course Retired, we do market time Attempt to move tIRA into Roth when values are down, gets us some more shares into the Roth; minimizes tax hit Try to draw RMDs from tIRA when values are up, mitigates sell off volume Ditto draw spend from individual accounts when values are up Need...
by S&L1940
Sun Nov 11, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 13362

Re: Worth fixing a 30-year-old Maytag dryer?

We have a Maytag DE410 electric dryer and a Maytag A710 washer, both purchased new in 1983. When is the last time you replaced the washing machine hoses? Having the hose connection to a washing machine fail is a common cause of significant water damage. Even in an unfinished basement if it fails wh...
by S&L1940
Thu Nov 08, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10991

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by S&L1940
Wed Nov 07, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15201

Re: How much money are you leaving your kids after you die?

cheese_breath wrote:
Tue Nov 06, 2018 4:09 pm
Whatever's left.
same here.
we also help the kids when they may need a boost, warning them jokingly and they know it, that it will reduce their final tally.
by S&L1940
Sun Nov 04, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034486

Re: What Book Are You Currently Reading? Part VI

I have had "War & Peace" and "Ulysses" teed up for years, 2-3 starts for each of them before I put the books away for another time. Currently, "The Overstory" by Richard Powers. Incredible read, 400+ pages, could finish it in a day or two but would rather take my time and let the author take me on a...
by S&L1940
Sat Nov 03, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2657

Re: Get out of Morgan Stanley!

Personal experience, we had a Smith Barney account which became a Morgan Stanley account; something like eight years ago we made a transfer of all MS assets to Vanguard. Do not remember the mechanics but Vanguard handled/guided everything. End of relationship with Morgan Stanley except we continue a...
by S&L1940
Fri Nov 02, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3676

Re: The most you ever paid for a prescription

The Dear Wife just received a $2.51 check from our Part D provider for overcharges on her med co-pays in 2015. I take a drug that had a $3,000 co-pay for the first month (with a cost of $900 per month thereafter). Fortunately through available support plans and Part D the cost was reduced to near ze...
by S&L1940
Sat Oct 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17496

Re: Don't pay full price for SiriusXM radio

I got tired of doing the "call every five months and negotiate a low rate" dance so I ditched the service. They never stop with the 5 month offers; get emails and snail mail constantly Sometime back they even offered me a radio receiver for my home My counter offer, stop the BS and give me the year...
by S&L1940
Fri Oct 12, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2880

Re: TV recommendation for my father

If his hearing is not that good then consider getting him headphones like these. https://www.amazon.com/Sennheiser-RS120-Wireless-Headphones-Charging/dp/B0001FTVEK/ref=sr_1_fkmr0_1?s=electronics&ie=UTF8&qid=1539304601&sr=1-1-fkmr0&keywords=steinhauser+rf+headphones My wife wears hearing aids and th...
by S&L1940
Wed Oct 10, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1053

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

OP here thanks for the responses, glad I did not ask for opinions on the bare bones services available from which to choose. Confused enough with all the great responses, leaning towards the Moto G6. I have to stick with the acceptable phone models for this particular service and hoping to spend les...
by S&L1940
Mon Oct 08, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1053

comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

Gonna move over to Republic Wireless for a plain vanilla call & text plan and dropping my 19th century Nokia phone on the weak AT&T system So, looking at Moto X, Moto G6, Moto G6 play and Samsung Galaxy J3 with Republic Wi-Fi performance, call clarity are my main concerns. Camera performance is seco...
by S&L1940
Sun Oct 07, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4778

Re: Should I, and how, act on changes in managing diet and health?

Save more money. You will live longer. Recalculate your SWR. :wink: When I was in medical school, our witty epidemiologist professor once opined, "the thing about diets is that they may not make you live any longer, but they may make you feel like you have". I don't discount the importance of avoid...
by S&L1940
Thu Sep 20, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 11950

Re: Did you really have something to retire to?

I always liked the news story about the person who won the lottery and says that will not change their life. They plan to go back to pumping gas or manning a call center phone or staring at a computer the next day. Me, had I won the lottery (pretty neat trick since I seldom to never bought a lottery...
by S&L1940
Wed Sep 19, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 11950

Re: Did you really have something to retire to?

We moved south because the Dear Wife's illness forced her to leave work. I had the good fortune to telecommute and integrated my work schedule with the retirement environment that we moved into. Wife got better, we both play tennis, found a new set of close friends, wife spends the afternoon playing...
by S&L1940
Wed Sep 19, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26013

Re: What is your single most expensive mistake?

Bogleheads: My most expensive mistake was to use a broker for our investments from 1950 until 1986 when we moved to Vanguard. Best wishes. Taylor +1 Although I did not realize it at the time, two fold, starting late to save for the future because of tight finances. We could have put away something ...
by S&L1940
Sun Sep 16, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3187

Re: Experiences downsizing to single car

Retired, local travel 99.9% of the time with friends and neighbors for support. We downsized and on first day we each wound up with doc appointments in different directions at the same time. Mine was priority dental emergency, dear wife rescheduled That was 2006, doing fine since then, works for us ...
by S&L1940
Fri Sep 14, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7771

Re: Leasing Cars in Retirement

We have always paid cash for my cars which we normally keep for 12-15 years. We just purchased a car, but I think that this will be the last car that I will purchase. In the future I will lease for the following reasons: 1) age - you no longer take it for granted that you will be able to drive for ...
by S&L1940
Fri Sep 14, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4084

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign. So they smash and grab the TV Radio Shack used to sell more alar...
by S&L1940
Thu Sep 13, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4084

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign. So they smash and grab the TV Radio Shack used to sell more alar...
by S&L1940
Thu Sep 13, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 4341

Re: Vanguard is requiring cell phone security codes - problem for international travel

When you enroll, you can choose to use a security code every time you log on to your account or only when Vanguard doesn’t recognize your computer or device. Thanks. But when does my computer cease to be recognized ? If they use the IP address than it won't help. If they use a cookie instead I only...
by S&L1940
Thu Sep 13, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4084

Re: Is home alarm monitoring worth it?

Without monitoring, do you get notified if an alarm goes off? I think you've described the pros and cons of monitoring. I use the ultimate deterrent at my house......nothing of any value inside. :D Yeah, but, they do not know that your cash is buried in the garden and will rip up the place to at le...
by S&L1940
Thu Sep 13, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 5193

Re: WSJ print edition renwal time - any discounts?

Nobody asked but I pay a bit over $40 a month for the failing NY Times I already cancelled our local paper a year ago after tiring of negotiating the annual renewal The Times has been at our doorstep for decades from state to state yet cost may be finally reaching the tipping point They keep thankin...
by S&L1940
Thu Sep 06, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2260

Re: Phone Calls from Windows saying computer has Malware

And it doesn't matter what number they call from now. Caller ID is useless due to number spoofing. They frequently use numbers in known area codes, charitable names, even "steal" real live people or legitimate business numbers. It is easy to do, so reporting it is likely to lead nowhere, as it is t...
by S&L1940
Wed Aug 29, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11919

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

TwstdSista wrote:
Tue Aug 28, 2018 6:40 pm
Often misused:

Adverse - Averse
Advice - Advise
Roth - ROTH
You beat me to it, not too critical yet it bugs me when someone is looking for advice and they ask to be advised...
by S&L1940
Sun Aug 26, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 14315

Re: 2000-2018 retirement - sequence of returns

thanks a perfect example as to what is worth reading on BH.org (recent thread about trolls and crap topics with hidden agendas and useless brain dumps). Look for a thread with back up info to support the subject; recognize the author? how many times have they posted? is there up front clarity as to ...
by S&L1940
Mon Jul 16, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 40219

Re: NY Times reviews Taylor's Guide to the Three Fund Portfolio

I did not read the book yet wonder how many pages (I think the book is something like 140pp) you can fill even with charts and extensive explanations and variations to demo the effectiveness of the three fund portfolio? How can you call the NY Times review "dead wrong" when you haven't even read th...
by S&L1940
Mon Jul 16, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 40219

Re: NY Times reviews Taylor's Guide to the Three Fund Portfolio

OP here I did not read the book yet wonder how many pages (I think the book is something like 140pp) you can fill even with charts and extensive explanations and variations to demo the effectiveness of the three fund portfolio? More than ten years ago Taylor and other BHs guided us as we cleaned up ...
by S&L1940
Mon Jul 16, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 40219

NY Times reviews Taylor's Guide to the Three Fund Portfolio

[Thread merged into here, see below. --admin LadyGeek] Not sure if someone already posted this from Time's Sunday Mutual Fund section https://www.nytimes.com/2018/07/13/business/the-lazy-persons-guide-to-successful-investing.html?rref=collection%2Fsectioncollection%2Fbusiness&action=click&contentCo...
by S&L1940
Sat Jul 14, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9294

Re: Be Careful Using Mailboxes

Not for this reason, but I never mail checks any more. I always either use electronic payment or I have my bank mail a check. I don't like using stamps for that purpose...it feels like holding an index fund that has a slightly higher expense ratio or a savings account with a slightly lower interest...
by S&L1940
Sat Jul 07, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4468

Re: Tipping in a hotel room/cruise ship room

daily clean - linen, towels and such, hotel or cruise, We leave a couple of bucks each day waiter in dining room, tip at end of cruise, same with the helper or bus person that works with the waiter we usually tip up front whoever oversees the cabin service team (supervisor?), for special service in ...
by S&L1940
Sun Jul 01, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22350

Re: What are your property taxes?

dwickenh wrote:
Sun Jul 01, 2018 8:25 am
jharkin wrote:
Sun Jul 01, 2018 4:58 am
Rather than some anecdotal info, all the answers you seek are here:

https://taxfoundation.org/publications/tax-maps/
Those are statistics.... It means so much more to hear it from real people paying the taxes.

You people are real...... aren't you?

Dan
I used to be
by S&L1940
Sun Jul 01, 2018 2:32 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22350

Re: What are your property taxes?

Florida, no income tax, sales tax recently raised, get homestead deduction
this is not even apples to oranges; there gotta be a dozen variables involved
We are good with 1900 sq ft, zero lot, gated community, many amenities, value probably $325K - $350K, 15 year old home, prop tax $3500
by S&L1940
Sun Jul 01, 2018 2:21 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8733

Re: What % of your equity is int’l?

Roughly 12 % and no thought about going any higher
by S&L1940
Wed Jun 20, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3418

Re: How do you read books?

wootwoot wrote:
Tue Jun 19, 2018 9:43 pm
To the OP. I read them one word at a time. Eventually I make it to the end.
Funny, that is the way I also do it. Learned that in grade school. Did you also go to school in the Bronx?
by S&L1940
Mon Jun 18, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3418

Re: How do you read books?

I tend to read two or three books at the same time on a tablet and they could be fiction or non-fiction. I read them mainly for entertainment value because I don't retain much shortly after I read them. TravelforFun I too read several books at once both fiction and Non; sadly I am one of the three ...
by S&L1940
Mon Jun 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9579

Re: Which Supermarket are you?

Even though it is a short walk, we spend the least at Publix, mainly 2 for 1 specials and fill ins like orange juice Costco & BJs (once every 4-6 weeks) and the local farmers market (every week) are prime sources Just the two of us; besides eating out a lot we get prepared dinners and specialties fr...
by S&L1940
Fri Jun 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18832

Re: Life in retirement - what did you do today?

Retirement is a bore -- and then you die. Went to bed really late - like early morning; got our six hours of sleep; leisurely got up and worked out (weights and light yoga stretches); then breakfast at about noon - 1.00 p.m.; kind of a rainy day so no tennis - we would have gotten up earlier if we ...
by S&L1940
Tue Jun 12, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6429

Re: Anyone with a paid off house drop homeowners insurance

Every year I have the same dilemma. My home insurance is due for renewal next month. And I just hate writing a check for $700 a year for a house appraised at approx. $240,000 when I could self insure if the whole thing burned down. And I basically I don't trust insurance companies, they are out to ...