Search found 1519 matches

by S&L1940
Thu Nov 16, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 70
Views: 2372

Re: Where did you first learn about investing?

read several "only investment book you will ever need" and then somehow (still maintain it was alien abduction) discovered the Bogleheads. Still have the books but my real education - as a late bloomer - started and continues with the many rock stars here at Bogleheads.org. Maybe the thread should b...
by S&L1940
Thu Nov 16, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099948

Re: U.S. stocks in freefall

Slothmeister wrote:
Wed Nov 15, 2017 10:45 am
Dangit! Why did I buy those index funds last week? I knew I should have timed the market!
Why did I wait to withdraw until this week?
Those market timers cost me easily another .025 %
Looking back Twenty years from now I will really feel the pain...
by S&L1940
Sat Nov 11, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6206

Re: Do you meditate?

Years ago, did yoga routines daily Now that flexibility, range of motion and balance can be more of a challenge, not consistently Same with meditation and mindfulness, need to set dedicated time on a daily/weekly basis When biking I do let my mind run free (sometimes not all that safe), Swimming lap...
by S&L1940
Fri Nov 03, 2017 12:56 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19325

Re: Yahoo! Quote Not Working

If you have access to the NY Times digital they have what they call Business Day Portfolio which is available when clicking the market quotes on the home page
You can build various portfolios same as the soon to close Google Finance
by S&L1940
Wed Nov 01, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5382

Re: New Car: Ever make sense to lease?

One thing that occurred to me is that there would be a lot of gasoline no longer being sold. A glut of gasoline if you will, as demand plummets. The oil companies will adjust of course, and they are already doing this, but that will take some time. What will the price of gasoline look like per gall...
by S&L1940
Wed Nov 01, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5382

Re: New Car: Ever make sense to lease?

How about an area like south Florida with a ton of aging drivers? Owning a car for 10+ years may be extremely optimistic - forget car longevity, what about driver longevity? And then there is the driver's ability (meaning mental and physical capability), some of us probably should have been off the ...
by S&L1940
Tue Oct 31, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 41
Views: 2739

Re: Someone spoofing my phone number?

Unfortunately, most of the calls I get now are of the "same area code and exchange" type, with the last four numbers varying apparently at random, so it's impossible to put a block on them. AT&T allows us to set up a "whitelist" of numbers that we will allow to ring through and block the rest. I am...
by S&L1940
Tue Oct 31, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 41
Views: 2739

Re: Someone spoofing my phone number?

I've seen this many times before here. I've actually seen spam calls on my home landline that caller ID identified as coming from my home landline! I've also seen many, many calls lately in which the area code and exchange (first three digits) were the same as my number. This is part and parcel of ...
by S&L1940
Tue Oct 24, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2670

Re: Whole Life Policy Analysis

Your parents bought this in 1996, so after 21 years it is worth. 14k? I would cash in. Se the money for term insurance. Or something else. Your parents made a bad mistake, why keep it going? You can do better investing at Vanguard in total bond. Yeah but, I have a whole life insurance policy from t...
by S&L1940
Mon Oct 23, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2670

Re: Whole Life Policy Analysis

In case no one else brought it up, I would instantly change the beneficiary to your wife
Even if you cancel or whatever, your desired heir should be #1 right now
Not wishing you ill...
Good luck
by S&L1940
Tue Oct 17, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5272

Re: Best way to make some dollars on a 10 day vacation?

Sell T shirts and trinkets on the beach: Florida, California
Or, go to the Caribbean work the beach and then donate your spare time to rebuilding their homes & infrastructure
Or #2, rebuild and then do the beach
by S&L1940
Tue Oct 17, 2017 1:54 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7027

Re: How does everyone keep track of your portfolio?

Google and the Times adjusts price changes daily. Google adjusts the price in real time, not daily. I don't know what the Times does. the Times appears to have various analytical screens that I do not use or bother to access The below are on the main portfolio screen * Last price * 1-day $ change *...
by S&L1940
Mon Oct 16, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7027

Re: How does everyone keep track of your portfolio?

Google spreadsheet. Links to all my funds and ETFs so I can see the portfolio value in real time. When I tried this, the site posts "Google Finance is under renovation. As a part of this process, the Portfolios feature won't be available after mid-November 2017. To keep a copy, download your portfo...
by S&L1940
Tue Oct 10, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 4135

Re: What specific changes have you made post-Equifax?

livesoft wrote:
Mon Oct 09, 2017 5:57 pm
Nothing. We've made absolutely no changes.
already use two factor where available, change passwords (click on forgot password) - a pain - almost once a month where two factor not available.
by S&L1940
Tue Oct 10, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7692

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balance double ...
by S&L1940
Mon Oct 09, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7692

Re: Do you want your receipt?

That being said, if you do not sign for the purchase (common at grocery stores under a certain amount or fast food restaurants), I do not think you can be held liable for the charge if you contest it --- that's why merchants have you sign for it (and the merchant is supposed to check the credit car...
by S&L1940
Wed Oct 04, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2518

Re: How many money accounts do you have? And how do you Keep track of them?

All financial assets at Vanguard I Bonds Joint checking bunch of credit cards - mainly two that actively manage 90+% of our spend passwords, plenty, written out on a page that I access when logging in figure if someone has broken in to my house and has the leisure time to ransack the place, they cou...
by S&L1940
Sun Oct 01, 2017 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is customer service my only talent?
Replies: 7
Views: 1171

Re: Is customer service my only talent?

good at everything yet not succeeding at anything May I suggest, Business to Business sales development? End of my multi job career, I hooked up with a company that did telemarketing for major corporations targeting new business with offerings in the thousands or even millions of dollars. Nothing as...
by S&L1940
Sat Sep 30, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2796

Re: Caught by speed camera

In Florida we have firms that specialize in beating tickets. They have catchy names like "Ticket Clinic" and such. They also have success rates that are about 99% and charge about $99 to defend a ticket. I'd pay them before I create a speeding ticket record, regardless of whether they say they don'...
by S&L1940
Sat Sep 23, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4529

Re: Asking for no wedding gifts

Boy are we out of date Our tribe usually gave a gift for an engagement and cash for the wedding, whether a gala affair or a quiet limited event (even if not invited) Guessing the confusion enters now that announcements or invitations (weddings, graduations, new baby) are taken as requests or demands...
by S&L1940
Tue Sep 19, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4791

Re: Costco vs sams club vs neither.

[*] Thanks for the replies! I'll definitely have to give it a look. 2 questions? Do you spend a long time in a checkout line? NO, always use the self check line. Since you no longer need to scan coupons things go quicker Retired, we like 4.30 or so, avoids the people coming in after work and the fam...
by S&L1940
Tue Sep 19, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4791

Re: Costco vs sams club vs neither.

It sounds like a lot may have changed since your previous experience with wholesale clubs. Both now generally accept major credit cards. Costco only accepts Visa . A Visa card is not that hard to own, odds are that someone with several cards in their possession has at least one. If not, cash always...
by S&L1940
Tue Sep 19, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4791

Re: Costco vs sams club vs neither.

Costco doesn't need to be bulk. You do not need to buy a 6 pack of LG LED TVs to get a good deal on them. Or a 6 pack of winter jackets. Some "bulk" items save a lot of money. You can "almost" pay for your entire membership buying just one item over a year, like: costco brand zyrtec, contact lens s...
by S&L1940
Sun Sep 17, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 63
Views: 5130

Re: What money to store outside for disaster?

...a few hundred Sacajawea's would be hard to conceal. But, would people accept them in desperate times? I love the fact that dollar coins are so despised that we're left wondering if people might accept this (real) currency in "desperate times". It just sounds so funny. Back in calmer times (80s) ...
by S&L1940
Fri Sep 15, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2405

Re: Questions about home purchase in a 55+ community?

Note, I didn't write "hear" ambulances almost daily. I just read about some who complain about the akmost daily presence of ambulances in established communities. I can't vouch for this and YMMV you gotta look for a healthier community!! I do not know if it was mentioned but long term residence can...
by S&L1940
Thu Sep 14, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2405

Re: Questions about home purchase in a 55+ community?

I don't know how they can tell you that the association fees won't go up for the next 10-12 years. Expenses go up, and so will the fees. HOA fees depend how large the community; smaller (say 200-500 homes) can equal substantial increases what are the maintenance rules for amenities like the golf? t...
by S&L1940
Thu Sep 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9466

Re: Hearing aid 101

Don't feel bad. I know a guy who accidentally ate one of his in-ear hearing aids in the middle of the night. Feeling around in the dark for his middle-of-the-night snack, he thought it was a peanut M&M. :oops: :oops: I think sometime back I posted the Eddie Fisher story as related by his daughter C...
by S&L1940
Thu Sep 14, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9466

Re: Hearing aid 101

Support and service is what we pay for. Aids may need a series of adjustments. If they fail to provide the service I would look for another provider. One issue may be that your hearing loss is not strictly volume. Hearing everything but without clarity is a brain processing issue that I think aids w...
by S&L1940
Wed Sep 13, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Hospice Support Volunteer
Replies: 6
Views: 590

Re: Hospice Support Volunteer

sadly been a caregiver over an extended period of time and had a close relative who was on hospice at home. grueling, mentally and physically draining and exhilarating all at once I would hope you are not required to simply dive in after the training period and get some experience along side a seaso...
by S&L1940
Mon Sep 11, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 3014

Re: "Luxury" Vinyl vs Laminate flooring?

"We are looking to replace about 1000-1500 sq ft of tile in our Kitchen/Family Room/Living Room. We are currently in our late 20's, with a dog and young child, and hopefully, will have more children. We are planning on staying in our current home for ~15-20 years, so we are not super concerned about...
by S&L1940
Wed Sep 06, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9151

Re: When calculating net worth, how do you value your house?

Nice to know what our kids may get for the home
Living in a 'gated community' numbers are easy to obtain
No interest in downsizing - Yet
So, for us, home value is simply a fixed line item

More concerned in what Irma will do to our home value, will check back on Sunday...
by S&L1940
Mon Sep 04, 2017 4:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17847

Re: [Are the Bogleheads] getting less interesting?

I always here dieting is like investing, you know what you need to do but you keep looking for short cuts. Example, I workout 5 days a week. Friends of mine that rarely go to the gym meet every Wenday for 5 guy burgers. I know I can go there to meet them once a week but I don't. That would destroy ...
by S&L1940
Mon Sep 04, 2017 3:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17847

Re: [Are the Bogleheads] getting less interesting?

arcticpineapplecorp. wrote:
Mon Sep 04, 2017 3:47 pm
Is it nothing more than plain old defensiveness? As in, we'll prove you're wrong. Let me go on for five pages to show you just how interesting we can be?
Or, maybe to confirm the point and show how uninteresting we can get?
My prediction, we have 3-4 more pages to go
by S&L1940
Mon Sep 04, 2017 10:19 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17847

Re: [Are the Bogleheads] getting less interesting?

dewey wrote:
Sun Sep 03, 2017 1:12 pm
“The measure of an education is that you acquire some idea of the extent of your ignorance.” Christopher Hitchens
Five pages of comments and up pops Christopher Hitchens.
Now things are getting interesting
Even after he is gone he can still inject some sense into a conversation...
by S&L1940
Mon Sep 04, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Best Retail banks - switching from Chase
Replies: 23
Views: 2311

Re: Best Retail banks - switching from Chase

We have low bank activity, mainly bill payment on line along with keeping enough bucks in the checking account to cover monthly spend. When paper I Bonds were still available, got them at BofA. For all the bad press about BofA as a overbearing presence in the financial arena, not for us. The one scr...
by S&L1940
Sun Sep 03, 2017 10:28 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17847

Re: [Are the Bogleheads] getting less interesting?

I think it is a hard balance. The Bogleheads forums are an oasis of civility in contrast to the nasty cesspool that forms when there is unmoderated anonymous discussion on the internet. I believe that is due in large part to moderation. Keeping politics out for example really does help the tone. I'...
by S&L1940
Tue Aug 22, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16749

Re: Lost $7000 today in ONE DAY!

dbr wrote:
Sun Aug 20, 2017 9:04 am

I am going to stop posting to this Forum again because these kinds of nuance on top of nuance discussions are just too tiresome.
NO, I pass up most of this stuff
Yet, I always read your posts
A bit of sanity and sense against the noise
by S&L1940
Tue Aug 22, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16749

Re: Lost $7000 today in ONE DAY!

A lot of people on here had their portfolios go down significantly more than $7k today. No biggie. Hopefully it goes back up before I retire and actually need the dough. Finally, a benefit in not having a two comma portfolio dollar value went down yet it was a typical blip with little pain did not ...
by S&L1940
Fri Aug 18, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4952

Re: Powerball - $510 million?

Also, love the winners who get quoted saying they will go to work tomorrow and be their same delightful selves. Had I miraculously won (despite the fact I do not buy any lottery tickets), I would have instantly stopped working - mid whatever - walked out the door and lived under the radar at some be...
by S&L1940
Fri Aug 18, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4952

Re: Powerball - $510 million?

did not read all the posts
would your chances of winning be higher in the low prize weeks since fewer people would be buying tons of combinations?
hate to split $400 million between 10-12 people...
rather rake in the whole $5 million as a single (anonymous) winner :greedy
by S&L1940
Fri Aug 18, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4952

Re: Powerball - $510 million?

It would need to get a lot bigger to have a positive expectation. And then the bogleheads should pool their resources. :happy worked at an office that pooled $5 apiece every week to play power ball I sent out a memo offering to cover their bets @ $4 each with the same payback they were now getting ...
by S&L1940
Thu Aug 17, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4952

Re: Powerball - $510 million?

With all the disciplined investors here, am wondering how many buy Powerball tickets when the prize gets this big? I picked up one today for $2. Saturday’s jackpot ....has grown to an estimated $510 million, making it the fifth-largest ever offered in the game and ranking it eighth among the bigges...
by S&L1940
Mon Aug 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 7685

Re: Boglehead obsession with money- devil's advocate

livesoft wrote:
Mon Aug 14, 2017 3:37 pm
My 18-year-old wife has to worry, doesn't she?
you told her you were 90, right?
worked for me
by S&L1940
Mon Aug 14, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2643

Re: ipad or tablet for hospital?

from personal experience (sad), hospitals usually have a "guest" WiFi sign in and a standard disclaimer about personal items of value. A locked device is no protection - except for preventing usage when "borrowed" - unable to use the device someone would simply toss the item, not return it. You may ...
by S&L1940
Sun Aug 13, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3728

Re: Your Movie Collection?

No Blue Ray player; still tons of VHS that I pledged to watch one more time and trash - yet to happen Library yes; DVR recordings yeah, got a few; Turner Classic Movies, watch all the times (also record a bunch). Miss the old Bravo channel which ran Ingmar Bergman and Truffaut and Bunuel and Goddard...
by S&L1940
Sat Aug 12, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7558

Re: "Honesty like that is rare!"

Honestly, I don't understand the whole exchange. Basically, we are giving credit for an adviser for being "honest" when he admits to deceiving the very individuals he has a fudiciary responsibility to by admitting he is making the whole investment process more complicated just to appease his invest...
by S&L1940
Fri Aug 11, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7558

Re: "Honesty like that is rare!"

no complexity, no demonstration of professionalism, no high management fees

someone on this site said it best, "keep it simple"

Taylor, nice hearing from you, unless I missed something it has been awhile since you have been here
Rich
by S&L1940
Tue Aug 08, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 39
Views: 3742

Re: What criteria warrants a need for Living Revocable Trust?

It may save a small amount of money, but it won't save a significant amount of money. Probating a Will in Florida is not particularly difficult, expensive or burdensome. The forms are the same throughout Florida, and they're filed electronically. We probate lots of Wills throughout Florida. The cos...
by S&L1940
Tue Aug 08, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2355

Re: Advise on house selling

Sold mid 90s using the agent who sold us the home in the early 80s The wife and I decided on a figure we wanted to walk out with after fees. Told the realtor we were ready to move but had no urgency; we were willing to wait for our number. Took more than a year and the agent dropped the commission s...
by S&L1940
Sun Aug 06, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2466

Re: Townhome or condo?

My understanding is that the HOA should not increase a lot. My reasoning : 1. No Swimming pool/ Gym in the community. 2. No elevators 3. No huge park. There is a municipal park planned close to the neighborhood . 4. All they will maintain is the common areas What will the reason for the increase in...