Search found 122 matches

by Michread
Fri Apr 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 24
Views: 2386

Re: New retirees: so whatdayathink ?

I’m tired of hearing, “Your too young to retire,” so I need to stop telling people. :oops:
by Michread
Mon Mar 12, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 3491

Re: Should we buy my wife a new car?

No, keep your cars. Taking on debt and/or not saving in your early years is a mistake because of loss of compounding on your money. Get a new car after you buy the house and after you have kids, not now. Camry is a good car. We have a Toyota Camry v6 2005 with 140k miles or so. We put money into it ...
by Michread
Mon Mar 12, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4396

Re: Men's Cologne

The combined smell of your soap, clothes from laundry detergent, underarm deodorant, shampoo and conditioner is enough. People stop smelling what they are used to. Try switching your products and then you will be able to smell these perfumes. Save your dollars and your health (toxins in perfumes). C...
by Michread
Fri Mar 09, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 8780

Re: Would YOU retire

We just did (retired) this month with less than what you have. We are younger, 55. But we expect we only need 80k on an up year to live the good life. :sharebeer “As soon as (Benjamin) Franklin acquired enough wealth not to have to work, he retired from business at the age of forty two and became a ...
by Michread
Sun Mar 04, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley wants my 410K and everything else, Why?
Replies: 63
Views: 5382

Re: Morgan Stanley wants my 410K and everything else, Why?

My church has 5.7 million with Morgan Stanley. I have tried to discuss with the board about changes to no avail. If we as a church switched to Vanguard, we wouldn’t need our members to continue to increase their church pledges every year. It’s a tough sell because it’s everybody’s money but yet nobo...
by Michread
Sat Mar 03, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4695

Re: Walking shoes for plantar faciatis?

Superfeet arches always feel like the are too far back toward my heel, anyone else experience this? Thanks again!! Than you have the wrong size of Superfeet! Buy the larger size than suggested for your size and cut to size for correct fit (esp. if your size is on the higher end of the Superfeet sho...
by Michread
Thu Mar 01, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4695

Re: Walking shoes for plantar faciatis?

+2 Superfeet inserts from Amazon worked for me! I use blue for my almost flat feet.
by Michread
Thu Mar 01, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10723

Re: Honda vs. Toyota: Which has more bang for the buck?

My Honda HRV 2018 mid-model was 25k. Backup and passenger side cameras, 2 heated seats and brake hold are some of the features that are new to me that I really enjoy.
by Michread
Thu Mar 01, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: A Cathartic experience... what have you done to become mentally prepared?
Replies: 14
Views: 2433

Re: A Cathartic experience... what have you done to become mentally prepared?

Today is our first day of retirement for both of us at age 55. We expect to live on 80k/yr but if we had to we could live on 40k without any problems. That keeps us from worrying along with a plan for the next 10 years and beyond. Plotting it all out helps!!
by Michread
Tue Feb 27, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 11355

Re: Florida in the summer

This is very funny, I am the OP from 3 years ago. Well, we've since sold our home in NY and moved here full time in 2017. We absolutely love it! Summer was a bit humid but I played tennis all the time. Golf beach water reached 88 deg. Snowbirds are gone during the summer and there so much to do. We...
by Michread
Sat Feb 17, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 12
Views: 1500

Re: World Travelers: What's the local economy look like?

In January 2018, I spent two weeks in Prague and then two weeks in Karlovy Vary. In Prague, I don't remember seeing new construction, but they were closing a bridge for maintenance. In Karlovy Vary, I saw a hotel in the central area being remodeled. Otherwise, I enjoyed beautiful cities unpolluted ...
by Michread
Tue Jan 09, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8206

Re: The reality hits - my dementia update

Everyone over 40 should read, “The End of Alzheimer’s “ by Dr Dale Bredesen. I highly recommend it! There are many interviews with him on YouTube as well.
by Michread
Mon Dec 18, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 34
Views: 4434

Re: How long to hold 80/20 asset allocation

We were 90/10 until this year at age 55. We are slowly changing AA this year due to retirement in less than 3 months. It worked for us through all these years of ups and downs. Do only what you can stomach. Yes, we lost about half our investments in 2008-2009 but we held on and have been rewarded.
by Michread
Thu Nov 30, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5914

Re: Edward Jones trap

Send them the link to John Oliver show on retirement. Losing 2/3 of their money through compounding fees may open their eyes. :oops:

https://www.youtube.com/watch?v=gvZSpET11ZY
by Michread
Wed Nov 08, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 5584

Re: What do you do to keep your mind sharp?

I suggest reading the book The End of Alzheimer’s by Dr Dale Bredesen for everyone over the age of 45. It’s not just about Alzheimer’s but about keeping mind and body healthy. It’s about living life eating right, exercising and taking supplements.
by Michread
Fri Aug 18, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 8531

DUI lawyer - need advice

My dc is up on dui/oui charges for a first offense. A tree was hit with no injury to anyone. Is it worth it to spend more money on a more expensive lawyer or is this standard fees and terms from a judge that a less expensive lawyer can handle?

Lawyer 1: $2000 fee upfront
Lawyer 2: $6000 fee upfront
by Michread
Tue Jul 18, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Physicals and Forms for Kids Activities
Replies: 12
Views: 966

Re: Physicals and Forms for Kids Activities

Common but physical must be within one year. So your kids annual physical should be good enough. Take it to the doctors office to fill out THAT specific form from the program if needed. We've never had to do 2 exams in one year. We just kept a copy of the doctors generic form and copied each time ne...
by Michread
Thu Jul 06, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 7271

Re: 45yo 18M portfolio, best way to grow?

WOW! Please share with us how you got there. We would like to learn from YOU. :shock:
by Michread
Thu Jun 08, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 11901

Re: 100% Stock Portfolio?

We got lucky! We've been 90/10 for the last 27 years. Just this month changed to 70/30 because early retirement is 6 months away at 55. Not recommended by most people. :oops: This is with 21 yrs of one income family of 4 with 2 children. We did it living below our means and with one stable high payi...
by Michread
Tue May 02, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 9238

Re: Favorite Financial Indulgences

Stayed home to raise my children; homeschooled a total of 11 years. Paying for their college 100%. :mrgreen:
by Michread
Thu Apr 13, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: RATE OF RETURN - what does this mean?
Replies: 3
Views: 667

RATE OF RETURN - what does this mean?

Yes, I searched Bogleheads and the web! Can't find what I need. Specifically, when Vanguard gives "rate of return" on my Vanguard accounts site (non & taxable accounts) - what exactly does that mean? internal, personal, real, total, nominal, net .... :confused Is this before fees or after fees? ... ...
by Michread
Tue Mar 21, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7553

Re: Suspicious organic products

Rachel Carson showed us the way

https://m.youtube.com/watch?v=mF2iS5vIamg
by Michread
Tue Mar 21, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 3256

Re: Vegetable Gardening - seeds vs seedlings?

I have been square foot gardening for several years and have about 200 sq ft in beds. To keep the beds moist during the summer I use clay pot irrigation. A good book for this method is "Gardening with Less Water: Low-Tech, Low-Cost Techniques; Use up to 90% Less Water in Your Garden" by David Bainb...
by Michread
Mon Mar 20, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7553

Re: Suspicious organic products

I knew what I wrote would get the reaction it got. That is why I said "To each his own." Don't want to eat organic food? Think it's a waste of money? No reason to worry about chemicals put on/in food. OK, fine. I don't want a $5,000 watch. I want to eat organic food. I don't want a $50,000 car, I w...
by Michread
Wed Feb 01, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: STAR Fund
Replies: 11
Views: 2912

Re: STAR Fund

Been with STAR for 25+ years, our first Vanguard fund. Yup, low initial investment was key for us back then. Still have a large wad in it but no longer add to it. We have enough taxable investments that all our extra cash goes into 401, 457, 403 and college (one down, one to go). :mrgreen: We've use...
by Michread
Fri Dec 09, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 7829

Re: Where do you buy coffee beans?

Market Basket

Market Basket carries Vermont Roasting Company brand of organic whole bean coffee at $10/lb - light, medium or dark roasted - very good imho :D

http://www.vermontcoffeecompany.com/Ver ... offee.html
by Michread
Fri Nov 25, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 9729

Re: Black Friday - is this overdone?

I have NEVER been out shopping on Black Friday. But several years back started to look at things online and noticed the BIG discounts available that day. I have since started shopping online on Black Friday and in stores the Saturday after Black Friday when the prices are still discounted and there ...
by Michread
Tue Nov 01, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: Talk on Financial Literacy to College Students
Replies: 27
Views: 1558

Re: Talk on Financial Literacy to College Students

Hi, I have been asked to give a talk on financial literacy to a sorority on the campus I teach at. I am being asked this because I teach the Actuarial Math class, though I have no background on finance. Personally, I'd refer to them to some people who do. People I know who graduated with a finance ...
by Michread
Tue Nov 01, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Used Car Buying Help
Replies: 26
Views: 3629

Re: Used Car Buying Help

Just bought a used car. It wasn't a smooth process! It took us 4 months to get a car my son wanted, and the we, the parents agreed to. Buying from a used dealer, private party or new car dealer? We bought from a used dealer. Not much choice for a 2005 BMW 330xi STICK SHIFT - hard to find car! Does y...
by Michread
Tue Oct 25, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 6186

Re: Aldi doesn't accept phone calls

United States Postal Office in my town doesn't take phone calls! :oops:
by Michread
Sat Oct 01, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 51
Views: 22545

Re: Clearing car "Check Engine" light

The Auto Zone near us doesn't have the code reader available for free any longer. Is this true in your area now?

Which code reader do you recommend from Amazon?
by Michread
Tue Sep 27, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Tap Water filter for 2 adults? For drinking.
Replies: 10
Views: 1197

Re: Tap Water filter for 2 adults? For drinking.

Filter shower water too! Inhaling/skin absorption from chlorine, etc. in the shower is NOT healthy.
by Michread
Tue Sep 27, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Wife loves here new Speed Queen washer/dryer
Replies: 24
Views: 6185

Re: Wife loves here new Speed Queen washer/dryer

Speed Queen arriving tomorrow! $750 Had first Whirlpool washer for almost 20 yrs.(traditional top loader) before the motor stopped working. Got a Whirlpool Cabrio HE about 5 yrs ago. It started to smell like mold/mildew a few years back so we took the thing apart and yup, mold under the washing bowl...
by Michread
Wed Sep 14, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 2473

Re: Any Car expert out there : Check Engine Light on

Did you do a google search? We have a 2005 Camry v6 and 2 different lights were on, one was check engine. Many sources on google search said replace the gas cap. We did (Amazon cheap one for our make model) and then had mechanic turn dash lights off during oil change and that solved the problem sinc...
by Michread
Tue Sep 13, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 6188

Re: Education cost and kids

I chuckle when I hear the term "skin in the game". Let me ask you this - if you had the opportunity to come back today as a kid entering last year of high school, would you do it? You have any clue what sort of pressure kids face today without the thought of taking on debt? How has the job market b...
by Michread
Sat Aug 13, 2016 7:27 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 4025

Re: Building a Pool

19 yrs and still enjoying our pool! :happy Total cost back then was 30k; last year put in new liner and pump $5500.
by Michread
Fri Aug 12, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Better to sell house ~ every 15 years?
Replies: 50
Views: 7517

Re: Better to sell house ~ every 15 years?

If the original driveway was installed correctly it should last 50 years or more. Yes it might need a $1000 coating every 10-15 years but not need replacing. Not in New England! Frost heaves and mushy soil, 10-15 years, 20 maybe if you could live with all the cracks[/quote Our 24 year old blacktop ...
by Michread
Fri Aug 12, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Better to sell house ~ every 15 years?
Replies: 50
Views: 7517

Re: Better to sell house ~ every 15 years?

I would not expect a 20 year old house to need a roof, gutters, driveway, or air conditioning units. The major part of your expenditures seems to be attributed to items that did not last for a reasonable life span. Your replacements may well have had much higher quality than the originals, and may ...
by Michread
Fri Aug 05, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: "Your 10 Most Important Financial Decisions"
Replies: 21
Views: 3693

Re: "Your 10 Most Important Financial Decisions"

Thanks Taylor! :thumbsup


I looked him up and read some of his website; his don't list is very good too.
http://www.jonathanclements.com/
by Michread
Sat Jul 23, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Declining or Rising equity allocation in retirement?
Replies: 110
Views: 9957

Re: Declining or Rising equity allocation in retirement?

And if anyone thinks I write my blogs and post here to sell books they literally have no clue about what they are talking yet they feel free to express their certainty. Amazing. Best wishes Larry Larry, Thank you very much for taking the time to post your most helpful information on this site. Othe...
by Michread
Wed Mar 23, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do billionaires invest?
Replies: 50
Views: 8408

Re: How do billionaires invest?

Not billions but several million is what my church invests through Morgan Stanley.
by Michread
Wed Jul 22, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 2901

Re: solar energy in new england

Well with the federal rebate and various Mass rebates paying everyone over 50-60% of the costs of panels I guess there are lots of installers. But I suggest these solar panels will not really pay for themselves in less than 15 years due to snow issues. That is not an investment I want to make. Plea...
by Michread
Wed Jul 22, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 2901

Re: solar energy in new england

1. Yes 2. Yes 3. Initially we calculated 5 yrs or less pay back; now one year later we est. ~ 4 yrs or less payback 4. Con - taking taxable savings out of Vanguard to pay for it Pro- all those listed on renewable energy websites; including SRECTrade checks that we receive each quarter for our excess...
by Michread
Mon Jul 06, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: If you wouldn't buy it, then you should sell it
Replies: 35
Views: 5687

Re: If you wouldn't buy it, then you should sell it

This is the Bogleheads forum. Why not take this discussion to the MMM forums?

Haven't we had enough MMM for one week? One thread is closed so you open another discussion on MMM? :oops:
by Michread
Fri May 22, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916108

Re: What Book Are You Currently Reading? Part VI

Christ Actually the son of God for the secular age by James Carroll - excellent!
by Michread
Fri May 22, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 112
Views: 17523

Re: Friends/Family that don't invest!

Yes, because they don't need to. They will all have pensions and SS. That's good enough for them.
by Michread
Tue May 19, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916108

Re: What Book Are You Currently Reading? Part VI

Just finished this month: George Washington's Secret Six - non-fiction that read like a novel, interesting page tuner about the Culper spy-ring during the Am. Revolution.
by Michread
Thu May 14, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 18578

Re: How much can I spend on a car?

Seriously this guy can buy a ton of cars and still be a boglehead. He is taking home 4k+/month and spending 700 bucks. That is living well below your means. Taking home 4k/month and spending 2k/month (i.e. 1300 bucks on some car) is still living well below your means. The boglehead philosphily isn'...