Search found 506 matches

by TallBoy29er
Thu Jan 17, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 59
Views: 4719

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

"It's the little things in life that matter. Make the damn time." - BH Conference 2018

I wrote it down when he said it. It stuck out to me as very practical advice from someone who has accomplished some very Big things.
by TallBoy29er
Wed Jan 16, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 808
Views: 38730

Re: John Bogle is dead at 89

A true great who will be missed. He advocated for the average investor, and so much else. To me he represents a man who cared more about others than himself, and who had the courage to act on his beliefs. No just in investing, but in other places as well. He spoke about bringing this nation and her ...
by TallBoy29er
Tue Jan 15, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2553

Re: Screwed myself on salary negotiations, how do I get past this?

What if they would have not accepted your "real" number? What if you stretched them higher than they wanted to go with the salary you are currently making? Our minds always goto the worst scenario in these situations. It's possible you did better than they, or you, would have expected. And you have ...
by TallBoy29er
Sat Jan 12, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5496

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Growing up, 4 kids, both parents, in a Buick sedan. Even road tripped in it using the Sears rooftop cargo box. We all somehow survived just fine. There is a difference between needs and wants that a lot of people lose sight of.
by TallBoy29er
Fri Jan 11, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 8467

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

Storage is cheap. 5 Gb is nothing. No bait and switch, just marketing. Will the online storage last forever? I don't know. Will Fidelity be around in 50 years? Google? Apple? Cloud copies have their place for ease of access, but not for archival. Don't tell that to Google docs, Google Photos, iClou...
by TallBoy29er
Thu Jan 10, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 8467

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

Storage is cheap. 5 Gb is nothing. No bait and switch, just marketing. Will the online storage last forever? I don't know. Will Fidelity be around in 50 years? Google? Apple? Cloud copies have their place for ease of access, but not for archival. Don't tell that to Google docs, Google Photos, iClou...
by TallBoy29er
Thu Jan 10, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 8467

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

Storage is cheap. 5 Gb is nothing. No bait and switch, just marketing. Will the online storage last forever? I don't know. Will Fidelity be around in 50 years? Google? Apple?
by TallBoy29er
Thu Jan 10, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1600

Re: Best place to sell stuff?

I find my local Salvation Army a rewarding place to donate items I no longer want, and to shop for "new" clothes. I get that you don't receive $$, but it's a worthy charity. It also saves on the hassle and time of selling and transacting goods/money. It's just easy, and quick.
by TallBoy29er
Wed Jan 09, 2019 9:57 pm
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 6082

Re: Ally-14 month Select CD at 2.85%

^^ Ricchan, super helpful, thank you.
by TallBoy29er
Sun Jan 06, 2019 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Pension Handcuffs?
Replies: 51
Views: 4342

Re: Pension Handcuffs?

Do you own the pension, or does it own you?
by TallBoy29er
Tue Jan 01, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5599

Re: Shoes to wear with jeans to the office?

Lucchese.

And Keen shoes on the cheap end. I wear them 4x per week. Lucchese 1x.

Too much thought put into this. Folks don't remember what you wear on your feet unless you are an obvious outlier on either end of the spectrum
by TallBoy29er
Tue Dec 18, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do once you hit your target number?
Replies: 49
Views: 5410

Re: What did you do once you hit your target number?

Yep this ^^

Once you hit it, start to insulate it. :D
by TallBoy29er
Sun Dec 16, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 5345

Re: [Anyone drop cable for YouTube TV?]

Similar direction, but use Sling, w an antenna for local.

Perversely, I kept my cable box w basic 13 channel, non-hd, cable. It was cheaper to have that bundled w internet than to have internet alone. Go figure :annoyed
by TallBoy29er
Sat Dec 15, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Sports illustrated subscription, how to avoid auto renew
Replies: 15
Views: 1128

Re: Sports illustrated subscription, how to avoid auto renew

I've used a virtual credit card number with a short expiration date on subscriptions that look hard to cancel, and that's worked to prevent them from auto-renewing. Paying with a gift card sounds like an even more certain way to prevent subscriptions from auto-renewing. This. I have a BOA credit ca...
by TallBoy29er
Sat Dec 15, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5826

Re: Law school without practicing law

Went to law school myself while working. School was part time at night, took 4.5 years (most PT take 4). It is at a top 50 university, quality of education was very good. I paid for it myself. I do not work full time as an attorney, or in a career where it is necessary. In fact, I'm the only one in ...
by TallBoy29er
Sat Dec 15, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 14
Views: 1137

Re: Has anyone used Heal? [Doctor housecall app]

So do you pay $99 out of pocket, and insurance also pays? Regardless, for basic stuff, like being sick, this is a slam dunk to me, I'd gladly do it. Re quality of the doc, you're not asking them to do surgery on you. Seems fine to me. I use Live Health Online through my employer. It is video chattin...
by TallBoy29er
Fri Dec 07, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2007

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

jbl charge 3 has worked well for us. waterproof, bluetooth. Under $100. I'm not asserting it is the best sound quality, but it is good enough (esp if you get it at a slightly better deal, eg 70-80 bucks).
by TallBoy29er
Wed Nov 28, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: best Mac malware program?
Replies: 13
Views: 1130

Re: best Mac malware program?

I don't feel malware detection (aka, AV) is needed on a mac, if you are somewhat careful when you surf. That said, Avast makes a decent freebie offering that I have used tactically in the past. You can also get it for your mobile device.
by TallBoy29er
Wed Nov 28, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 48
Views: 4174

Re: Tipping lawn service and trash pickup

It would never occur to me to tip the trash hauler. I am charged what the company demands and in my area they have something of a monopoly. Monopoly here as well, called "the city". That said, they are reliable, and do a job that many people on this board would not dream of, and get paid jack for i...
by TallBoy29er
Tue Nov 20, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: predatory lending
Replies: 11
Views: 1971

Re: predatory lending

Good read. Thanks for sharing
by TallBoy29er
Tue Nov 20, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Why do people think CD rates will keep going up?
Replies: 57
Views: 7910

Re: Why do people think CD rates will keep going up?

Why not just apply extra $ to your mortgage as you get them? Based on a post above, with taxes, and lack of ability to make mortgage interest deductions, could this not be a viable play?
by TallBoy29er
Sat Oct 27, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Experience with Uber?
Replies: 7
Views: 919

Re: Experience with Uber?

Use Uber, and Lyft, every couple weeks in Atlanta. I am fine with both!
by TallBoy29er
Tue Oct 23, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3286

Re: Dentist "Service Fee" for Filing Insurance Claim?

A service fee seems ludicrous to me. If you are in the medical field, you deal with insurance, it is part of doing business. To charge for filing a claim....wtf? I would call the dentist office and verify that your understanding is correct. I would ask questions. Do you always do this? For all insur...
by TallBoy29er
Tue Oct 23, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a brand new Toyota 4Runner TRD
Replies: 14
Views: 1725

Re: Thinking of buying a brand new Toyota 4Runner TRD

RollTide31457 wrote:
Wed Oct 17, 2018 11:46 am
Can’t go wrong with Toyota. Far superior to Subaru.
Whaaaaaaa....?

Of course, you realize that Toyota owns a 16.5% stake in Subaru, right? And that joint development goes on between the two, right?

I wonder if this could be circular, and that Toyota is far superior to itself.....?
by TallBoy29er
Tue Oct 23, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Pixel phone: can't make or receive calls but data works
Replies: 9
Views: 810

Re: Pixel phone: can't make or receive calls but data works

Maybe it's impersonating an Apple iPod Touch?
by TallBoy29er
Tue Oct 23, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Apple TV vs Roku
Replies: 14
Views: 1239

Re: Apple TV vs Roku

Here is a helpful post on Roku's site about DVR functionality. As others have stated, it is not a function of the Roku or AppleTV, but of the apps. For the record, I've used Roku for years, have set my mom up on it, and have had nothing but good experiences. https://blog.roku.com/cloud-dvrs-on-roku-...
by TallBoy29er
Tue Oct 23, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7788

Re: For those who paid off house - how did you do it?

Scrabbled and saved as much as we could every month for a number of years. Sometimes I sent two extra payments per month, if I found enough to make a very small dent. It was hard. But it gave us a goal, and put us in a very good position for the future. It also forced us to save, and the tangible en...
by TallBoy29er
Tue Oct 23, 2018 6:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 13
Views: 4036

Re: 2019 BOGLEHEADS CONFERENCE DATES

Why such a small conference? Do I understand correctly there are only 200 spaces available? Seems like you should expand the size given the traffic on this site. Thanks. This has been discussed on the forum before. There's no right answer. That said, having attended my first this year, I can tell y...
by TallBoy29er
Sun Oct 21, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8808

Re: Quitting w/o notice

Bail. Be done. Leave for your health, And do not look back.
by TallBoy29er
Sun Oct 14, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 11054

Re: Should we move to San Diego from east coast?

Move. Be close to work. Buy a bike. And a longboard. For everyone under the roof. Enjoy your new life. Which won't be difficult. :D
by TallBoy29er
Sun Oct 14, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1608

Re: secure land for donation for county park

I love what you're doing, first of all. 10% of net worth is not insignificant. Part of it depends on your age, and your total net worth (and needs). I think the person who discussed the possibility of the county not accepting it has a good point. Why that would happen is beyond me, but theoretically...
by TallBoy29er
Mon Oct 08, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6021

Re: Subaru: Crosstrek or Outback?

htdrag11 wrote:
Mon Oct 08, 2018 8:58 pm

Not sure whey you need 4-wheel drive in Atlanta though?
Not all things are permanent. :D
by TallBoy29er
Mon Oct 08, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6021

Re: Subaru: Crosstrek or Outback?

OK, but do you think those wheels/tires are capable of going off-road? As capable as the 17's on the lower model. A Subie isn't going to tackle hardcore off roading. But gravel and some light off-roading I would expect it should be able to handle just fine. Edited to add: In addition to the all-sea...
by TallBoy29er
Mon Oct 08, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6021

Re: Subaru: Crosstrek or Outback?

So quick update, and an admission from me (OP). I have not liked the look of older Foresters. That said, the wife and I went and checked out a 2019 Forester Sport, and thought it looked really nice. It's likely polarizing on aesthetics, you'll think it looks good and like the orange accents, or you'...
by TallBoy29er
Mon Oct 08, 2018 8:07 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 245
Views: 208153

Re: Please Try Out Test Posts Here

image test
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by TallBoy29er
Sun Oct 07, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15994

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Several points related to this whole discussion. I grew up in Idaho but have lived in several other states throughout my life. Retired and moved back. ... In my section of Idaho the winters are not harsh ( often freeze thaw snow and melt a few days latter) For my tastes they are actually too mild. ...
by TallBoy29er
Sat Oct 06, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 11987

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Ally has a no penalty 11 month CD yielding 2.10% if you put in $25k+. Can cancel at any time if you find something better!
by TallBoy29er
Fri Oct 05, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 8346

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Jack believes in portfolio simplicity. Larry believes in portfolio complexity. I believe in Jack. Rick Ferri Bogleheads: I believe in Jack and Rick Ferri. Best wishes. Taylor Taylor, I am sooooo old, that I remember when Rick Ferri believed in factor tilting. Somewhere, I have his book on "All Abou...
by TallBoy29er
Fri Sep 28, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2751

Re: Amex premium car rental insurance not kicking in

Call AE and ask if they cover through AAA.

I use Costco for rental car reservations. I pay through the rental company directly. I use are no problem
by TallBoy29er
Wed Sep 26, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7584

Re: cleaning lady stealing

I'm wondering if there was a person before you that this may have happened to, and if they took the same course of action that you are thinking?
by TallBoy29er
Tue Sep 25, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2096

Re: Looking for advice on whether to participate in Deferred Compensation Plan

calimero wrote:
Tue Sep 25, 2018 8:11 am
The company offers a certain match on DCP. I guess I wouldneed to optimize DCP contribution so that the remaining 401k income woudl stay high enough to allow $18.5K 401K contribution?
I don't quite understand your statement/question. Could you clarify a little more?
by TallBoy29er
Tue Sep 25, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2096

Re: Looking for advice on whether to participate in Deferred Compensation Plan

One question I have not seen brought up is the question of matching, as you framed this as a supplemental 401k. If you are a HCE, I'm guessing you may hit the federal 401k contribution limits ($18.5k) prior to end of year if you set your contributions to receive the max employer match each month. If...
by TallBoy29er
Tue Sep 25, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2473

Re: Car predicament

He's thinking about paying the $5,000 left on his loan or filing bankruptcy. First, this sucks, no doubt. I think your advice should be to pay off the debt, and move on. Sounds like you've advised on the downside of bankruptcy. That seems like a very extreme action with significant consequences if ...
by TallBoy29er
Mon Sep 24, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13513

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Your spouse is a Rock Star. Having that support behind you, that joint focus that you can agree on what is right for all of you, that it's not just a money decision, is amazing. Perhaps your wife should join BH's and give some advice to others around here. :) I have been following your thread closel...
by TallBoy29er
Mon Sep 24, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Changing careers (changing gears) - Can I?
Replies: 10
Views: 1073

Re: Changing careers (changing gears) - Can I?

My first thought was Congratulations, you've done awesome. I'm a debt averse guy. I'm also the guy that gets not loving what you're doing. My thought was to keep at it in your current job until you knock out your mortgage. Then go nuts. For me paying off the mortgage took a big weight off my shoulde...
by TallBoy29er
Mon Sep 24, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1953

Re: When is it OK to not go through car insurance after you've been hit?

Real answer: it depends on how much you like your girlfriend. :D

I've done the cash thing, no report, a couple of times for minor events, even with people I didn't know. Worst case was that I'd be bitten, but I wasn't. It's not a big deal. Make the decision that gives you comfort, and move on.