Search found 90 matches

by Dasnyc
Fri Jan 01, 2021 6:41 pm
Forum: Investing - Theory, News & General
Topic: Updated list of 3-Fund Portfolio articles.
Replies: 2
Views: 387

Re: Updated list of 3-Fund Portfolio articles.

Thank you Taylor for your unselfish generosity in compiling this list. You are a priceless treasure.
by Dasnyc
Sat Dec 19, 2020 8:06 am
Forum: Personal Finance (Not Investing)
Topic: College-Age Kids getting student loans when parent income too high
Replies: 133
Views: 7892

Re: College-Age Kids getting student loans when parent income too high

If you can afford to pay, why not just pay? You know your kids better than random posters on a forum and know if they’re motivated to do well regardless of your desire for them to have “skin in the game”. IMO it won’t change their motivations or work ethic. I think it’s ridiculous for parents who a...
by Dasnyc
Wed Nov 18, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26185

Re: Taylor Sends His Best to Fellow Bogleheads

Thank you Taylor for your dedication and unselfish contributions over the years. I always enjoy reading your down to Earth and common sense commentary.
Here’s to you and your family, with better health in the very near future
by Dasnyc
Tue Jul 21, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade?
Replies: 37
Views: 3033

Re: iPhone upgrade?

My iphone 6s gave up the ghost last week, And I’ve gotten the new iPhone SE. I’m very happy with it. I would recommend it
by Dasnyc
Sun Jun 14, 2020 8:34 pm
Forum: Investing - Theory, News & General
Topic: Any reason for 5% cash in a long-term portfolio?
Replies: 58
Views: 5168

Re: Any reason for 5% cash in a long-term portfolio?

crefwatch wrote: Fri Jun 12, 2020 6:10 am I keep two years of living expenses in cash. I’m not a doomday prepper, I just remember the 2008 crash. I don’t want to have to sell into a bad market. Age 69.
+1
by Dasnyc
Tue Jun 09, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 13144

Re: You have a second chance to reduce your stock holdIng

Very interesting points in this post. But in the end, one can fill out all of the questionnaires, sit and ponder on one's own, etc. but the best way to understand your risk tolerance is to actually experience a downturn. That happened to me in 2008 and forever changed how I invest. I also remember ...
by Dasnyc
Sun Jun 07, 2020 7:01 am
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4201

Re: Retirees: what is your AA?

40% stock 50% bond 10% cash-like.
All % are +/-, depending on market conditions.

‘Essental’ income requirements are almost entirely met by pension and SS. ‘Discretionary’ income requirements met via 2-3% withdrawals from portfolio.
by Dasnyc
Mon May 25, 2020 8:49 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 11676

Re: Is Vanguard's Personal Advisor Service Worth It???

Absolutely move it. If you add the ER cost to that 1.25%, you're paying over 6 times the annual cost that I pay in total. And my portfolio is over $2.5MM. PAS is a good first step. Your second baby step (not Dave Ramsey) would be to dump PAS and go to a target date fund. Finally, when you're ready,...
by Dasnyc
Thu May 21, 2020 12:22 pm
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 12128

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Leesbro63 wrote: Thu May 21, 2020 4:51 am You need an investment plan. With an asset allocation you can stick with through thick and thin. You need to be able to “don’t just do something, stand there.”
+1
by Dasnyc
Mon Feb 17, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: Why many inheritances don't last past 3 generations
Replies: 144
Views: 18193

Re: Why many inheritances don't last past 3 generations

IQ regression to the mean. If you and spouse have high IQs, which seems highly likely for very successful people, the odds are that your children’s IQs will be lower than yours. And so on through the generations. Just think of the number of really smart parents you know with pretty average kids. Ex...
by Dasnyc
Sun Feb 16, 2020 12:16 am
Forum: Investing - Theory, News & General
Topic: "Don't Fall For It" -- A Gem by Ben Carlson
Replies: 12
Views: 3470

Re: "Don't Fall For It" -- A Gem by Ben Carlson

Thank You Taylor for sharing. I know that when I see your name on a posting, I can count on reading good information or advice.
by Dasnyc
Wed Jan 29, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4893
Views: 1307205

Re: What Book Are You Currently Reading? Part VI

FI4LIFE wrote: Fri Jan 17, 2020 6:00 pm Just finished two by John Grisham. "The Reckoning" and "The Guardians"....

Reckoning - 4 stars
Guardians - 3.5 stars
I recently also read both books. I enjoyed them both, but not super impressed by either of them. I’d rate both about the same.
by Dasnyc
Thu Jan 23, 2020 5:59 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 29048

Re: Sad news: LadyGeek's husband has passed

I’m so sorry for your loss. May your memories from happier times help to sustain you as you move forward with life.
by Dasnyc
Thu Jan 23, 2020 10:49 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 218
Views: 31822

Re: In honor of my personal hero John C. Bogle

larryswedroe wrote: Tue Jan 14, 2020 10:36 pm Thought you would all enjoy the following
Vanguard Founder, John C. (Jack) Bogle, 1929-2019...
Thank you for sharing this. As detailed in your post, we were lucky to have him.
by Dasnyc
Mon Jan 13, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 30411

Re: Do you plan to actually spend down your portfolio?

Five years into retirement, about one year into SS and RMDs. Am planning to spend DOWNWARD, but not planning to die with my last nickel gripped in my fist (my dad's unsuccessful plan). At this point, the balance keeps growing. It might be a bit of a shock when the trend reverses, but I am preparing...
by Dasnyc
Wed Dec 11, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off tomorrow (Sunday Dec. 8)
Replies: 65
Views: 6367

Re: Target gift cards 10% off tomorrow (Sunday Dec. 8)

Jeff Albertson wrote: Wed Dec 11, 2019 9:34 am Costco has $450 off six pounds of beef - https://www.costco.com/genuine-kobe-bee ... 15550.html Act before Dec 22!
Hahahaha. I love it. For that cost, I could eat for a year.
by Dasnyc
Sun Dec 08, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: New research on when to claim SS
Replies: 73
Views: 8563

Re: New research on when to claim SS

Thanks for sharing. It's nice to see that waiting to claim still seems to be the correct decision for many (not all) of us.
by Dasnyc
Sun Dec 08, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: 50 Next Year - Should I Join AARP?
Replies: 105
Views: 8810

Re: 50 Next Year - Should I Join AARP?

I joined in 2000, when I turned 50. I thoroughly enjoy the bi-monthly 'AARP The Magazine' as well as the monthly 'AARP Bulletin'. The articles are timely, informative, and geared towards those of us on the back end of life. Once, I obtained a job with the 2010 Census, after reading a small blurb in ...
by Dasnyc
Tue Oct 29, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2523
Views: 256230

Re: [What TV Show Have You Recently Watched?]

mancich wrote: Mon Oct 28, 2019 3:13 am The Kominsky Method on Netflix with Michael Douglas and Alan Arkin. 25 minute episodes. I knocked out season 2 yesterday.
Loved it!
by Dasnyc
Tue Sep 17, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 5152

Re: Seasoned retirees...

That the greatest luxury in the world is the ability to spend your time as you choose, with whom you choose, without the need to earn a living. With this luxury in your possession, the desire for other luxuries recede below the horizon. Well stated; I agree. I love having time to help my friends an...
by Dasnyc
Wed Jul 10, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11792

Re: Who cuts your hair? And for how much?

$15 + $5 tip
by Dasnyc
Wed Jul 03, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 9954

Re: Frontier or Spirit Airlines

BogleFanGal wrote: Mon Jul 01, 2019 11:27 am I love a deal as much as the next boglehead...but I will never fly spirit or frontier...no matter how tempting the price. Ever. For all the reasons already mentioned. I'll save the money somewhere else.
+100000000
by Dasnyc
Fri Jun 07, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: Social Security Question
Replies: 15
Views: 1354

Re: Social Security Question

I will take benefits at 70, next year, as planned. It may impact the younger generation, but so many people would be impacted negatively, I am really hoping against hope that the decision makers will find alternatives. For many, the classic three legged stool of SS, pensions and savings is collapsin...
by Dasnyc
Thu May 23, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 192
Views: 22250

Re: just a general comment about "too conservative" investors here

Dottie57 wrote: Wed May 22, 2019 3:41 pm Thank you Op.

I frequently feel out of placewith so many suggesting 100% stocks and mine is 50% stocks. I’veseen All the meltdowns too...
It can be disasterous to be over confident.
+1
by Dasnyc
Thu May 09, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6780

Re: Anybody try the Blue Apron or the like?

We used the Martha Stewart one, Marley Spoon. a small but substantial enough portion of the meals (say 20%) required a LOT of prep, which I define as taking me more than 25 minutes before actually starting to cook. Chopping greens, mixing this, shaving that, etc. Those meals ended up requiring abou...
by Dasnyc
Fri Mar 01, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 8751

Re: BH could you live off your SS benefit?

No, definitely not. I live in a VHCOL area and need Social Security, pension and my IRA to live a fairly modest life style. Between the deductions for Medicare with IRMAA, medical supplement coverage, and taxes the money goes quickly before I even see it.
by Dasnyc
Sat Feb 09, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 2190

Re: Would you eat lab grown meat?

Why not? Take a look at the ingredient label of many of the processed foods on grocery shelves today. Lots of chemicals with almost unpronounceable names. Can lab grown meat be worse than some of these chemical concoctions? Lab grown meat will will probably eventually replace much of animal sourced ...
by Dasnyc
Mon Feb 04, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 5488

Re: Has anyone used software to write a Will?

A better question: Has anyone seen the outcome of a software-produced Will? Here's a pretty good article on some of the pitfalls of software produced wills. The one that really scares me is how well a software produced will can stand up to a savvy lawyer who is suing my estate on behalf of a disgru...
by Dasnyc
Mon Jan 14, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 1185

Re: Bogleheads-type forum for Genealogy Research?

familysearch.org, run by the Church of Jesus Christ of Latter Day Saints (aka the Mormons), is an incredibly powerful site, for both researching and building your family tree. The price is very Boglehead friendly: free! +1 I have used both ancestry and familysearch.org extensively. Both are excelle...
by Dasnyc
Thu Nov 08, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 12191

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 Dasnyc
Sat Oct 27, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2762

Re: What is a reasonable housecleaning cost?

Hudson valley, Westchester: Long time very trustworthy lady arrives once per week, 7AM. Works until 1 PM. Cleans 3000 ft home (3 floors) including changing linens for 4 bedrooms, laundry for 2 adults and two children. Vacuums whole house, cleans kitchen and 2.5 bathrooms. $150. Works out to $25 per ...
by Dasnyc
Thu Sep 20, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 13083

Re: Did you really have something to retire to?

Grandkids...

I was a single parent that never had enough family time due to the demands of job, laundry, food shopping, food prep, home cleaning, etc., and other responsibilities. I am thoroughly enjoying my time with them.

Also, reading, baking, lots of discretionary spontaneous activities.
by Dasnyc
Mon Sep 10, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11492

Re: Can Sneakers go with Business Casual?

:P :P :P
FireProof wrote: Sun Sep 09, 2018 11:29 am Is a high five the proper greeting for the queen of England?
I love it!!
by Dasnyc
Sat Sep 08, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11492

Re: Can Sneakers go with Business Casual?

Absolutely not
by Dasnyc
Fri Aug 31, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 9800

Re: Lexus vs. Mercedes

I’ve been driving the 2016 Lexus ES350, and love it. It’s a lease, courtesy of my son. I am seriously thinking of purchasing it when the lease ends in May.
by Dasnyc
Thu Aug 30, 2018 3:22 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 13704

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

Lots of folks seem to use the non-word "alot" when they mean "a lot". That really grinds my gears. A lot. Do understand that accepted usage is determined by convention. Surely some went kicking and screaming as old English was gradually replaced, and surely there are those who a...
by Dasnyc
Thu Aug 30, 2018 2:41 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 13704

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

And it matches the way I always interpreted it: short-term past results do not predict future short-term performance Then it makes sense. But when it's generalized to a variation of 'nobody knows nothing', I cringe. Ignore history at your peril is good solid wisdom. PS. ' nobody knows nothing ': re...
by Dasnyc
Fri Jul 13, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24547

Re: COMING SOON: BOGLEHEADS PODCASTS

I think that being a Boglehead encompasses more than just investing. It is a whole lifestyle of money management. I like the idea of having the word ‘money’ in the title, with / without the word ‘investing’ How about something like ‘Money and Investing Like a Boglehead’? Too wordy? ‘Boglehead Lesson...
by Dasnyc
Fri Jul 13, 2018 6:26 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24547

Re: COMING SOON: BOGLEHEADS PODCASTS

Boglehead Life
Boglehead Living
Boglehead Chats
Boglehead Journeys
The Boglehead Way
The Boglehead Beat
Better Living as a Boglehead
Boglehead Bits
Boglehead Gems
Bogleheads Shared Wisdom
by Dasnyc
Mon Jul 09, 2018 6:05 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 26571

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I invest 70% of my portfolio in bonds, not because of returns, but because of balance. Buffett doesn't have to worry about balancing his portfolio (are you kidding?!). He is in a different universe. And what he says is great for him, and he is correct for him. As a mere mortal and a nobody, I have ...
by Dasnyc
Sun Jun 24, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 9577

Re: Retirees: When you cut spending, what do you cut?

I do not know how old you are, but you are very fortunate to have become an adult and never have been kicked in the teeth by life. 61. I don't understand the point. If you don't have a substantial part of your retirement savings that is available for the unexpected then you failed to plan properly....
by Dasnyc
Tue May 22, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 7610

Re: How do I tell if Roth conversions are worth the trouble?

The RPM calculator was developed by a member here named "Bigfoot'" - a great tool and we owe him ever increasing thanks for the advantages that it gives us. FWIW - in our personal scenario the Roth conversion strategy that we work with the RPM delivers significant after tax spendable fund...
by Dasnyc
Fri Apr 27, 2018 5:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879932

Re: U.S. stocks in freefall

cfs wrote: Thu Apr 26, 2018 9:31 pm
perl wrote: Thu Apr 26, 2018 9:01 pm cfs, can you please stop posting the same thing over and over?
Thank you for the note, y gracias por leer / cfs
The repetitive posting is annoying to me as well...
by Dasnyc
Thu Apr 19, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: How good are Vanguard bond funds?
Replies: 52
Views: 10418

Re: How good are Vanguard bond funds?

Doc: What fund universe does this listing include? I’m looking at the 1 Year Return (%) column, and seeing an Average return of over 12%. I cannot believe that the average bond fund returned over 12% in the last year! If this includes returns from stock funds, then the rankings are comparing apples ...
by Dasnyc
Wed Feb 28, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 121
Views: 14081

Re: Larry Swedroe: What Investors Should Worry About

I have high respect for Larry based on his contirbutions over the years in trying to help ordinary investors. That said, I stopped following all the complicated non-correlated alternative investment strategies he is talking about. ... . I have not had anything to do with any alternatives for a long...
by Dasnyc
Mon Jan 15, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331920

Re: Retiree Portfolio Model

First, a very sincere ‘Thank you’ for your efforts to not only create and thoroughly test this very informative work, but also for the timely fixes and enhancements. I am having one small issue that is impacting my rather significant (~10%) state tax estimates. In my state, contributions to 529 acco...
by Dasnyc
Thu Jan 11, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 4794

Re: Best Sources to Buy Prescriptions Out of Pocket

I have used GoodRx once :happy. Saved over $60 on a $124 prescription.
by Dasnyc
Sun Jan 07, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 8718

Re: So, how was the year ? Gains made and Lessons learnt ?

Taylor Larimore wrote: Mon Jan 01, 2018 1:29 pm Bogleheads:

We worry about trivia, but we must never forget:

Every year above ground is a good year.

Happy New Year and best wishes to every Boglehead!

Taylor
+1 👌👌👌