Bogleheads.org

Dasnyc

Thank you Taylor for your unselfish generosity in compiling this list. You are a priceless treasure.

Dasnyc

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...

Dasnyc

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

Dasnyc

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

Dasnyc

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

Dasnyc

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 ...

Dasnyc

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.

Dasnyc

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,...

Dasnyc

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

Dasnyc

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...

Dasnyc

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.

Dasnyc

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.

Dasnyc

I’m so sorry for your loss. May your memories from happier times help to sustain you as you move forward with life.

Dasnyc

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.

Dasnyc

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...

Dasnyc

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.

Dasnyc

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.

Dasnyc

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 ...

Dasnyc

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!

Dasnyc

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...

Dasnyc

$15 + $5 tip

Dasnyc

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

Dasnyc

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...

Dasnyc

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

Dasnyc

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...

Dasnyc

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.

Dasnyc

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 ...

Dasnyc

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...

Dasnyc

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...

Dasnyc

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...

Dasnyc

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 ...

Dasnyc

Excel

Dasnyc

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.

Dasnyc

FireProof wrote: ↑Sun Sep 09, 2018 11:29 am Is a high five the proper greeting for the queen of England?

I love it!!

Dasnyc

Absolutely not

Dasnyc

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.

Dasnyc

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...

Dasnyc

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...

Dasnyc

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...

Dasnyc

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

Dasnyc

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 ...

Dasnyc

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....

Dasnyc

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...

Dasnyc

Wow. $2.19 in one account and $.21 in another. Nice. Although I too miss the machines

Dasnyc

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...

Dasnyc

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 ...

Dasnyc

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...

Dasnyc

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...

Dasnyc

I have used GoodRx once

. Saved over $60 on a $124 prescription.

Dasnyc

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

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