Search found 1569 matches

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: 202
Views: 32923

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: 202
Views: 32923

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: 202
Views: 32923

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: 8646

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: 4189

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: 212
Views: 13518

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: 212
Views: 13518

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: 8133

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: 3154

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: 3154

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: 8734

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: 17786

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: 6022

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 ...
by S&L1940
Tue May 29, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8514

Re: Is inflation the greatest risk to retirement portfolios?

I know that "adverse life events" are the greatest risk to well-being, but I can't do much more to mitigate unpredictable life events except hope that they don't happen or try to own insurance products that are available for some of those events if they do occur, such as healthcare, LTCi. My questi...
by S&L1940
Tue May 29, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5218

Re: Splurging on the NBA finals

Being there is always a great experience; like the 250,000 fans who claimed they were at the Polo Grounds when the Giant's Bobby Thompson hit his home run to sink the Dodgers... One thing you do miss are the replays. Watching Lebron come down court and put in a lay up with a Boston defender attempti...
by S&L1940
Mon May 28, 2018 9:40 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2754

Re: MEMORIAL DAY 2018

Thanks Taylor, for your service and your wise comments
Be well, Rich
by S&L1940
Sat May 26, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8823

Re: Help Buying Mens Shoes for Work and Dating

"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out." Maybe that is my problem, no dates because I am not wearing the proper shoes for dating... My wife does not even notice my shoes. It all worked out for me. It might help if I get my wife to stop screening my phon...
by S&L1940
Sat May 26, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8823

Re: Help Buying Mens Shoes for Work and Dating

"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out."

Maybe that is my problem, no dates because I am not wearing the proper shoes for dating...
by S&L1940
Sat May 26, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7695

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Kind of confused here. As a retiree (the author refers to retirees) I no longer buy I hold, perhaps fine tune a bit, especially as I move the required minimum distribution. And, for living expenses, sell - Hopefully the winners that some day may lose value because of inflation and a bear market - ju...
by S&L1940
Tue May 22, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6367

Re: How have you upgraded your wardrobe?

Yup. And I really only need the top half since the bottom half is not visible on video conferences (I work remotely). So at this moment it's a polo shirt (LL Bean, 5 years old) and shorts. Pretty standard for me. No plans to upgrade anything. I posted once before: When we moved to Florida and I was...
by S&L1940
Tue May 22, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6367

Re: How have you upgraded your wardrobe?

retired, diet worked, lost weight, find the Costco sportswear department answers my needs just fine hard to fit, used to do Lands End but, to me, they lost their way with Sears and then they tried to charge me for returns selling clothes by catalog or on-line or with no easy access to try on in the ...
by S&L1940
Sat May 19, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12882

Re: Helping Adult Children (but not too much)

Three adult children, married with kids of their own. When they need cash: buying a house, car, schooling for the grandchildren or healthcare, we help out telling them it is a down payment on their eventual inheritance. NO, we do not keep track of the dollars, simply a family joke because we feel if...
by S&L1940
Fri May 18, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 698

Re: looking for simple smart phone - anyone use Jitterbug

a bunch of the providers listed by Alexa9 are part of the Tracfone group, problem is the cellular network they use is a crap shoot as they - as do others on the list - use Verizon Wireless, AT&T Mobility, T-Mobile US, Sprint Corporation, and U.S. Cellular. anyone using Xfinity? most of my life is ti...
by S&L1940
Thu May 17, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 698

Re: looking for simple smart phone - anyone use Jitterbug

I think you're looking for a Verizon MVNO. There are a few out there: Affinity Cellular Best Cellular Boom! Mobile Credo Dataxoom EcoMobile GreatCall Net10 Page Plus Cellular Ready Mobile Red Pocket Mobile ROK Mobile Selectel Wireless SpeedTalk Mobile Straight Talk Total Wireless Tracfone US Mobile...
by S&L1940
Thu May 17, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 698

looking for simple smart phone - anyone use Jitterbug

Trying to find an inexpensive cell plan and smart phone. Data unimportant, make, receive calls and texts when away from home and Wi-Fi capable. NOT AT&T, prefer the Verizon network because of reception in our area We still maintain our land line. So far, have not found reliable provider (posted prev...
by S&L1940
Wed May 02, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3921

Re: Not Wasting Food

Food pantries and soup kitchens will appreciate whatever you can donate a simple Google search will offer up the locations in your area someone posted that restaurants and supermarkets have foodstuff ready to be trashed and are responsible for much of the waste A simple call by commercial sources ca...
by S&L1940
Mon Mar 26, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 2072

Re: GE Microwave Weird Issue

been sometime since I posted something weird; had a GE micro - recently bought another because of dimension issues - needed to replace the switch and the repair guy suggested putting Vaseline on the prongs so that the door opens and closes easier Also, I found that I usually pulled the handle at the...
by S&L1940
Sun Mar 18, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5926

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Daughter in VA loves Prime, uses it all the time. Late one Friday I was talking with her about some incidental things I am thinking of buying.
Sunday morning two packages were at my door. I was impressed both by the gifts she sent me and the nearly instant delivery to So Florida.
by S&L1940
Sun Mar 18, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 9959

Re: Need for Medicare supplemental plan?

Curious why most on this thread prefer a supplemental plan to an advantage plan? One reason is with Plan G, after you pay the $183 deductible, there are no other costs as long as its for a covered charge. Of course you do have to pay the monthly premium as well. My annual January cardiology visit e...
by S&L1940
Sat Mar 17, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 9959

Re: Need for Medicare supplemental plan?

I have Plan F which covers everything Medicare doesn't pay, including the deductible. It's not worth the difference over G dollarwise but I enjoy not having any bills. I think it would be a horrible mistake to not have a supplement plan that covers the 20% Medicare doesn't pay. A very horrible mist...
by S&L1940
Mon Jan 29, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9673

Re: Neighbor recently burgalerized - Suggestions for home security

You need a dog at home. Any hitech company makes robot dogs? I don't know what a robot dog is but my MIL lived next door to a lady that had a recording of a dog barking that went off automatically. This was in a condo building with traffic along the pathway that must have set the dog off dozens of ...
by S&L1940
Thu Jan 25, 2018 3:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5149

Re: Happy Birthday, Taylor!

Good Fortune To You Taylor

I am so many other Bogleheads learned (and profited) from you.

Be Well, Thanks, S&L
by S&L1940
Tue Jan 16, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 15702

Re: What is the best home exercise equipment?

our fitness center has a Nustep https://www.google.com/search?ei=50heWr_ROcPszgLPu7ioCA&q=nustep&oq=nustep&gs_l=psy-ab.1.1.35i39k1j0j0i20i263k1j0j0i20i263k1j0l5.4703.12973.0.16344.6.6.0.0.0.0.94.478.6.6.0....0...1.1.64.psy-ab..0.6.477...0i227i67k1j0i131k1j0i67k1j0i46i67k1j46i67k1j0i131i67k1j0i20i263...
by S&L1940
Mon Jan 15, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 15702

Re: What is the best home exercise equipment?

Despite the silly infomercials I am a fan of the Total Gym. It uses no electricity and makes use of your body weight to give a workout to a variety of muscles. Also, it is relatively compact and replaces several other pieces of equipment. Might want to supplement with treadmill or exercise bike for...
by S&L1940
Thu Jan 04, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6850

Re: Did everyone in the early 80s have their money in CDs?

we had all our funds tied up in 14% mortgage payments, clothes, food and kids starting off to college
though we are now all set and waiting for the next uptick
by S&L1940
Tue Jan 02, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 14065

Re: Embarrassment Preventing Retirement Work: A factor for you?

Food pantry or meals on wheels gets my vote They will be glad to have you; much more prestige than most anything else I can think of; and the charity folks would be so happy to have you that shaping your hours to your personal needs may not be a challenge. Tutoring also comes to mind. I have neighbo...
by S&L1940
Thu Dec 28, 2017 11:29 pm
Forum: Investing - Theory, News & General
Topic: 2018 DJIA Stock Market Predictions
Replies: 22
Views: 2295

Re: 2018 DJIA Stock Market Predictions

watchnerd wrote:
Thu Dec 28, 2017 7:31 pm
Why the Dow?

I hold TSM.
Agree, no expert yet I believe where the S&P index goes, so goes our financial prospects
I predict the S&P may rise a bit, or perhaps hold sort of steady or may somewhat drop or slide
Health & Luck in 2018 and beyond
by S&L1940
Fri Dec 22, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 29248

Re: Where to retire in Florida?

Have you considered Delray Beach? It is fairly walkable, has an artsy vibe, and definitely has some bohemian/younger elements. Delray, not my town, has a great downtown tons of restaurants, shops, walk to the beach (resident passes not needed, driving, all you gotta do is find a parking space), the...
by S&L1940
Mon Dec 11, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12548

Re: 2018 financial goals - what are yours?

Retired, conservative investor, no debt. As long as we beat inflation we're good, that's the goal. Retired also and conservative investor. I have goal of 2% real investment gain. Retired, 55/45 portfolio, heavy draw down expenses last couple of years yet buckets have actually increased We also use ...
by S&L1940
Thu Dec 07, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 2093

Re: SSN on job applications

Agree spreading a SS # around the planet is a problem waiting to happen. Yet, how does a prospective employer make a job offer before checking background/references? Every doctor I visit has my Medicare # which is also my SS #, not sure we can get around that although Medicare is supposedly going to...
by S&L1940
Thu Dec 07, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 3272

Re: Work from Home Jobs

Once read that most traffic accidents occur close to home, so maybe 10 mile trips are as dangerous as a long job commute That said, usually working in an office establishes your ability and earns the right to work from home. Years ago I was successful with my posting on LinkedIn and personal network...
by S&L1940
Thu Nov 30, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13115

Re: Price of haircut?

used to pay $10-$15 with a tip. couple of years back went close crop and maintained that since with the help of at first a regular Norelco shaver with pop up trimmer and now graduated to a Braun shaver. Also aided by natural thinning (wife calls it going bald). Cost, shaver blade units $30-$40 repla...
by S&L1940
Sat Nov 25, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 6379

Re: Etiquette question: going out to dinner with friends and how to split the bill

dinner with friends is simply that, we split the check the wife and I rarely drink at dinner and have friends that down a couple of drinks, so what this goes back to the old Sid Caesar routine where he and possibly Carl Reiner do battle over past hurts because Reiner always orders a shrimp cocktail....
by S&L1940
Wed Nov 22, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5915

Re: Someone spoofing my phone number?

Haven't had this happen since my original post, but just now my Hiya app came up with a number with my same area code + first 3 digits. I just ignored the call, and no VM was left. I'm wondering if like the first time, if this was a real person who thinks that I called them because someone called t...
by S&L1940
Wed Nov 22, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6893

Re: Best vehicle for seniors?

We are pushing/nearing 80 and plan to start leasing once our 10 yo car becomes a maintenance burden
Thinking leasing is the way to go and a Forester or similar style a nice fit for our 6'2" and 5'2" heights
by S&L1940
Mon Nov 20, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 18062

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Alexa9 wrote:
Mon Nov 20, 2017 8:09 am
Amazon is too easy to buy things after a couple drinks that you've been wavering on getting. I think he is correct in some ways.
Never drink and spend, friends should keep friends off Amazon during during drinking sprees...
by S&L1940
Sun Nov 19, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 18062

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Credits Cards are unneeded in modern society and there is no reason to use one. Unneeded? Yes, we could survive without them. No reason to own one? Demonstrably false. Rarely carry cash, always pay by credit card or electronic bank checks. Sometimes a restaurant discounts 15% to 20% for cash; helps...
by S&L1940
Sun Nov 19, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 36
Views: 3469

Re: Collection agency calls intended for another person:

Unless caller ID is showing a number that you know is someone you wish to speak with, why are you even answering the phone? For us, sometimes the ID mimics familiar or medical/healthcare calls (older retirees, always expecting a doc or some health provider's call). Also curious about the ones that ...
by S&L1940
Sun Nov 19, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 36
Views: 3469

Re: Collection agency calls intended for another person:

I suggest you change your phone number and forget this. Had a business phone line that previously belonged to a world class deadbeat family. We answered all incoming calls and slowly got the volume down until they finally stopped. The target name was off shore and totally unpronounceable; even the ...
by S&L1940
Sat Nov 18, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance: AAA vs. Travellers
Replies: 18
Views: 1473

Re: Auto Insurance: AAA vs. Travellers

If you're shopping, do it right. Get a few more quotes, Geico, Progressive, and Allstate. You can do it online. You might also try The Hartford. As in everything else, your results may differ, living in the bumper car capital of the US, shopping auto insurance is always a losing game here in South ...