Search found 131 matches

by Michread
Thu Sep 06, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3932

Re: Psychology of saving for college vs retirement

Not all states make 529 worthwhile aka non-taxable and many small companies do not offer retirement plans. So some are stuck with just $5500/yr IRA We saved but never specifically for college. We paid off the mortgage early and paid all college expenses out of pocket. Still doing this for one child....
by Michread
Tue Aug 14, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 38
Views: 3545

Re: Trip to Maine

When our children were small, they loved Storyland, Clark’s Trading Post and Santa’s Village in NH. We loved watching them enjoy themselves! There are many small children things to do in the White Mountains of NH as well as big kid activities.
by Michread
Sun Jul 15, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5813

Re: Would you trade experiences in your youth for early retirement

We spent 40k on a camper and SUV to tow it. We had the camper for 9 yrs and SUV for 12 yrs; 10k back on sale of both. So 30K for camping experiences during the precious formative years of raising ours sons. Those years and experiences cannot be duplicated at a later time. We spent 30K on our yard - ...
by Michread
Tue Jul 10, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3611

Re: Any kayakers here?

We just bought 2 inflatable kayaks from Amazon.

Low cost to see if we like it. We took our maiden voyage last week on a calm lake in our town. It was smooth and fun. Not great on the lower back but I think with some adjustments it will be fine.
by Michread
Sun Jul 08, 2018 5:06 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4616

Re: Retirees...what’s your lunch menus?

Soup and salad almost everyday alternating between the two. There are endless varieties of soups to be made.
by Michread
Sun Jun 24, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: Heavy in equities?
Replies: 46
Views: 4967

Re: Heavy in equities?

When you look at the Boglehead Wiki on VPW, those in retirement with higher equities can spend the larger amount every year. https://www.bogleheads.org/wiki/Variable_percentage_withdrawal BTW, I like this wiki and agree with it which maybe to our peril... since we are new retirees this year with hig...
by Michread
Tue May 22, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 58
Views: 10501

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
Sun May 13, 2018 2:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Mother's Day
Replies: 4
Views: 664

Re: Happy Mother's Day

Thank you!
by Michread
Wed May 09, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 2011

Re: Florida road trip - what towns to stay in?

No Florida expert but just stayed in St Augustine and passed through DeLand which are both nice.

Be sure to visit the manatees in Blue Springs State Park near DeLand and take the boat ride through the St John’s River. In March, there were many alligators and birds to view - really nice ride!
by Michread
Fri Apr 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 12593

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: 4198

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: 66
Views: 6093

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: 9703

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: 5875

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: 5456

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: 5456

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: 12340

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: 2547

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: 12215

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: 1631

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: 108
Views: 9768

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: 58
Views: 10501

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: 6598

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: 6121

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: 9349

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: 1047

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: 7684

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: 148
Views: 18638

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: 9723

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: 709

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: 8068

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: 3427

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: 8068

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: 3116

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: 8340

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: 10102

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: 1830

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: 3889

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: 7112

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: 23990

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: 1289

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: 6497

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: 2652

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: 6394

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: 64
Views: 7682

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: 7799

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: 7799

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: 3885

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/