Search found 694 matches

by Trader Joe
Tue Jun 25, 2019 7:52 am
Forum: Investing - Theory, News & General
Topic: Excluding International All Together?
Replies: 28
Views: 1637

Re: Excluding International All Together?

I was messing around on Portfolio Visualizer recently just for my amusement, and I discovered this: Over the last 25 years, a 90/10 portfolio consisting of equities held at 50% in S&P 500, 25% in mid cap value and 25% in small cap value - plus the 10% FI held in intermediate treasuries, returned al...
by Trader Joe
Mon Jun 24, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Parent's Home Below Market
Replies: 22
Views: 1895

Re: Buying Parent's Home Below Market

Hello, My family and I (husband and 3 kids) live in my mom's home (dad is deceased) and she lives in a retirement community. Mom asked us to lilve there at a reduced rent so she didnt have to sell and since it seemed like a good deal, we agreed. We pay $1000 plus utilities, house insurance and I pa...
by Trader Joe
Mon Jun 24, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 26
Views: 1441

Re: Chrysler Pacifica - Yes or No

We are in the market for a minivan and trying to decide which way to go. Really like the look, functionality and price of the Pacifica. But, not so sure about the reliability vs the Toyota Sienna (newer style Odyssey is probably out of our price range). Would likely buy pre-owned with under 30k mil...
by Trader Joe
Sun Jun 23, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 3935

Re: Discounted Postage Stamps

What do you all think is a good discounted price to pay for non-forever postage stamps? A neighbor has 200 various postage stamps ranging in denominations from 22c to 44c that he is willing to sell for 60% of FV (which is 40% off). A family member told me that deal is like free money because buying...
by Trader Joe
Sun Jun 23, 2019 7:35 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 33
Views: 1341

Re: which is better schwab or fedelity ???

looking wrote:
Sun Jun 23, 2019 7:24 pm
I have vanguard account now and like to have another one,, which is better Schwab or fidelity ???

thank you
Fidelity is much better than Schwab.
by Trader Joe
Sun Jun 23, 2019 7:08 pm
Forum: Personal Investments
Topic: Heavy concentration in Electric Utilities
Replies: 20
Views: 1600

Re: Heavy concentration in Electric Utilities

My wife and I are retired, both have pensions, both get soc. sec., no debts. Our IRAs are about 500k, which about 250k in electric utilities and 250k in cds. These funds will be past on our children. Should I be more concerned about the high concentration in Utility Stocks for the next 18 months? Y...
by Trader Joe
Sun Jun 23, 2019 6:51 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 33
Views: 2810

Re: Reinvesting Dividends or no

In my daily “learning” from this forum there have been varied discussions regarding “to reinvest dividends and capital gains” or not. I’d like to understand a comment made in another post suggesting how to invest “In the taxable accounts set all the mutual funds to not automatically reinvest the di...
by Trader Joe
Sun Jun 23, 2019 6:42 pm
Forum: Personal Investments
Topic: Vanguard Investments to VMFXX to Checking Account
Replies: 7
Views: 637

Re: Vanguard Investments to VMFXX to Checking Account

Is there any reason not to keep it this simple in retirement? In my Vanguard Investment Account, sells shares once a year, use the VMFXX fund for just about all my Cash holdings,(thinking about keeping around 5% at any given time), transfer cash to my personal checking account, say once a month to ...
by Trader Joe
Sun Jun 23, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 65
Views: 5312

Re: Vanguard to offer private equity investments? Thoughts?

Bitzer wrote:
Sun Jun 23, 2019 7:01 am
This news item is reported in the online edition of today's Wall Street Journal
My thoughts are as follows:

1. I have zero interest in private equity investments.
2. I am not their target audience.
by Trader Joe
Sat Jun 22, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 1978

Re: First Class Seats Domestic USA

Greetings, I have never flown first class. I have flown economy, and have put up with the lack of comfort for the price of the ticket. 2 yrs ago I blew 2 lumbar disks, and then found out I have severe spinal stenosis lumbar. NOT looking for any medical advise. I can only sit in an uncomfortable sea...
by Trader Joe
Sat Jun 22, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7122

Re: How do you approach tipping at carry-out restaurants

I never tip for take out and I never will.
by Trader Joe
Sun Jun 16, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Winning $0.99 bid items on eBay
Replies: 10
Views: 2243

Re: Winning $0.99 bid items on eBay

Sometimes, I come across listings for auctions on eBay that are ending soon (within a few hours) where the opening bid is $0.99 and there are no bidders and the items in these listings are worth $50 or more. I am hesitant to bid on these listings because I have a feeling the seller might be disappo...
by Trader Joe
Sun Jun 16, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3307

Re: Best way to teach my 4 year old to be fluent in Spanish?

I am monolingual, and wish I knew a second language. I have a 4 year old, and would like to have her learn Spanish in such a way that she is fluent or at least semi-fluent in the future. Any thoughts on the best way to do this? She is currently taking 1 hour a week Spanish class, and I try to pract...
by Trader Joe
Sun Jun 16, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11293

Re: With hindsight, what signs indicated you were about to lose your job?

Hi all, I am curios to hear stories, if you are willing to share them, if any signs that you recognized after the fact that indicated you were about to lose your job (either with or without cause)? Though I do not perceive a job loss is imminent for me, I may act on theses signs in the future by pr...
by Trader Joe
Sun Jun 16, 2019 4:59 pm
Forum: Personal Investments
Topic: Is Vanguard down?
Replies: 7
Views: 878

Re: Is Vanguard down?

No, Vanguard is not down.
by Trader Joe
Sat Jun 15, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4094

Re: how is Home Depot's contractor service (for a water heater)?

Hi all: How is your experience with the contractors Home Depot uses? Another post about Angie's List on this site brought me to pose this question to the community. My specific situation is that I have a water heater in a tight space. I would like to order one from Home Depot.com along with their i...
by Trader Joe
Sat Jun 15, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Whirlpool service contract for dishwasher
Replies: 6
Views: 314

Re: Whirlpool service contract for dishwasher

I have an offer to purchase a Whirlpool service plan for unexpected costs associated with repairing my dishwasher I purchased on 7/10/18. The dishwasher costs $736.444 A 5 year plan is $252.38 The plan is sold by AIG WarrantyGuard Inc. 650 Missouri Avenue, Jeffersonville, IN 47130 Here are the cove...
by Trader Joe
Fri Jun 14, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 321
Views: 37331

Re: How Bad was 2008, really?

Full disclosure, I was too young to be invested during the financial crisis. That being said, I'm having trouble understanding how bad it was. I hear about these bear markets (tech bubble, financial crisis, etc). All I see is a sharp decline, and then everything is gained back a couple years later....
by Trader Joe
Fri Jun 14, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need "Professional Trustee?"
Replies: 44
Views: 2977

Re: Do I need "Professional Trustee?"

Hey Everyone My parents have asked me and my twin sister to serve as trustees for their Dynasty trust. In the first meeting with the lawyer, she (lawyer) told us that she would be the 3rd trustee and would take a 1.25% fee of the assets per year. After research this seems pretty standard. The trust...
by Trader Joe
Wed Jun 12, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 4058

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

Thank you very much for the great article Taylor.

This is why I only invest in VFIAX (Vanguard 500 Index Fund Admiral Shares).

Simple and elegant.
by Trader Joe
Wed Jun 12, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4451

Re: 40+% increase in auto policy (GEICO) - normal?

My wife and I were previously on separate auto insurance policies. I was with GEICO, and she was with State Farm. When she bought a new car last July, we found it cheapest to both be insured with GEICO. We were quoted $711 for every 6 months for both our cars, and added her to my policy (one policy...
by Trader Joe
Wed Jun 12, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: [Forget] The Seaweed! We're Headed For Cancun!!
Replies: 17
Views: 1507

Re: [Forget] The Seaweed! We're Headed For Cancun!!

Hey All, First time to Cancun. Family vacay and staying at the RIU Riviera Maya. I'm not a lay-on-the-beach-guy so I'm wondering what interesting things some of the Bogleheads who've been to Cancun, have found to to do near-by. Also wondering best place to buy good cigars. Best, Bill Cancun is dang...
by Trader Joe
Wed Jun 12, 2019 6:23 pm
Forum: Personal Investments
Topic: Is my employee stock purchase plan a no brainer?
Replies: 19
Views: 1588

Re: Is my employee stock purchase plan a no brainer?

My company's employee stock purchase plan was just updated. They now offer a 75% match with a one year cliff vesting. In the past I've avoided my company's stock like the plague under the "eggs in one basket" argument but with a flat market return of 75% and a highly protected downside, this is pro...
by Trader Joe
Sun Jun 09, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 5780

Re: lawn care cost

I'm thinking of hiring for my lawn care, I have a 0.25 acre lot, about 1/2 of it is the house, flat terrain. Just for mowing I'm getting quoted in columbus ohio for 40 dollars by high school student. Is that considered a good deal? I mean I'm a pretty cheap guy. I could mow my lawn in about 30 minu...
by Trader Joe
Sun Jun 09, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9104

Re: Do you carry Umbrella Insurance?

masonstone wrote:
Sat Jun 08, 2019 7:03 am
I'm debating on the limit I should carry for Umbrella Insurance. What percentage of your net worth do you carry as umbrella insurance?
No I do not carry umbrella insurance. There is no need.
by Trader Joe
Sun Jun 09, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1294
Views: 131426

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

According To Jim on the Laff Network. Very funny and its free.
by Trader Joe
Sun Jun 09, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17543

Re: Are You Dumping Netflix?

Fortunately I have never spent any time or money on Netflix.
by Trader Joe
Sat Jun 08, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy more life insurance?
Replies: 25
Views: 1354

Re: Should I buy more life insurance?

Hi folks! Looking for some life insurance advice. Here are the key facts: - Family: me and spouse (age 44), and two kids (ages 5-10) - My income: $550k - Spouse income: $20k (small, part-time biz) - Location: Bay Area, CA Current life insurance policies: - Me: $1.75M 30 year term policy, expires ag...
by Trader Joe
Sat Jun 08, 2019 5:45 pm
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1417

Re: How to find a reputable, fee-only advisor?

Hi All, For the sake of brevity, I'm keeping this short. It appears a retired uncle of mine will soon be migrating his portfolio from an (active-management) investment advisor to Vanguard. He's begun the process of self-education on asset allocation, passive investing, etc., and I've offered to hel...
by Trader Joe
Fri Jun 07, 2019 4:38 pm
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6025

Re: Thank you, Bogleheads

Dear Bogleheads: I cannot express how grateful I am to read the above posts. You make my time on the Bogleheads forum feel very worthwhile. This forum is full of very nice people. I was attending Newark College of Engineering for the Army on D-Day. Casualties were more than expected and they soon s...
by Trader Joe
Fri Jun 07, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 2807

Re: Debt: Student loan or cabin

Posting for my brother and his new wife! Their goal is to reduce debt aggressively before purchasing a home and starting a family. Recently married with combined income in low 200k range. Student loans: 90k @ 5.8% Lake cabin: 175k @ 4.2% Cash savings 80k I advised to tackle highest interest debt fi...
by Trader Joe
Fri Jun 07, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 48
Views: 6117

Re: Apple - Old Product Boxes - Keep or Dispose?

Bogleheads - We have a lot of Apple users on the forum and as such I have a question for the group: old product boxes. Like many here, our entire home is Apple products - laptop, iPads, iPhones, Router, TV. We retained all the old boxes for all products. Apple has always been known for their excell...
by Trader Joe
Fri Jun 07, 2019 4:14 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3226

Re: Chewy IPO

Any thoughts on the Chewy IPO? It is expected to price between $17-$19 a share. The company has great customer service, low prices, huge inventory, and fast delivery. I don't know when it's going public. I am a customer and I am happy with their service, products and prices. I will not be investing...
by Trader Joe
Fri Jun 07, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Alternative to USPS
Replies: 22
Views: 1749

Re: Alternative to USPS

We weren't able to file electronically, so we mailed our tax returns via USPS certified mail and our California state one hasn't been delivered. On the tracking, it just says in transit and will be late. Apparently people who've had this come up as a status on their tracking have waited months, and...
by Trader Joe
Fri Jun 07, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7580

Re: US stocks still look better than anywhere else

"US stocks still look better than anywhere else"

Yes of course.
by Trader Joe
Sat Jun 01, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 2972

Re: What to do with a 24" analog CRT TV?

Take it with you or put it out with the trash.
by Trader Joe
Fri May 31, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Chipped windshield getting worse
Replies: 16
Views: 821

Re: Chipped windshield getting worse

doss wrote:
Fri May 31, 2019 1:38 pm
i have a 2008 Ford Focus with a chip on the windshield that is getting out of control. Almost halfway through the entire window. As I've never had to deal with this, anyone have any advice on how I can get the problem fixed at a reasonable price and/or what to avoid?
Replace the windshield asap.
by Trader Joe
Fri May 31, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4292

Re: Does one need a bank account anymore?

K8ya wrote:
Fri May 31, 2019 5:38 am
The fidelity article on this topic made me think. If I have a cash management and brokerage account with them, what might I miss with those being my only accounts?
I have (and need) a bank account.
by Trader Joe
Fri May 31, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Forgot to mail check to IRS for taxes ($4000) - what now
Replies: 24
Views: 2761

Re: Forgot to mail check to IRS for taxes ($4000) - what now

Hello I have just found out my partner never paid her taxes - she filed her tax return and owes around $4,000 but forgot to make the payment. My question is, what are our next steps? The money is not a problem - we just forgot to pay (long story -- taxes were handled by 3rd party and she assumed th...
by Trader Joe
Fri May 31, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife and I cancel our Whole Life Insurance policies?
Replies: 31
Views: 2278

Re: Should my wife and I cancel our Whole Life Insurance policies?

My wife and I purchased Whole Life Insurance in less than a year ago at the recommendation of our financial advisor and we are thinking we may have made a mistake. I am 31, she is 35 and we just had our first child earlier this year. Together, our pre-tax income is at $153k. My premium is $9k per y...
by Trader Joe
Tue May 28, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2241

Re: For Sale by Owner or RE Agent???

I would go the FSBO route.
by Trader Joe
Mon May 27, 2019 4:39 pm
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3232

Re: Portfolio for young, worried investor

I am 18 years old with no debt and I want to get your opinions on some portfolios (for my taxable account, not for retirement): Portfolio 1: 30% VOO (S&P 500 ETF) 40% TLT (20+ year Treasury ETF) 10% IEF (intermediate Treasury ETF) 20% IAU (gold) Portfolio 2: 30% VOO 40% TLT 15% IEF 7.5% IAU 7.5% SC...
by Trader Joe
Mon May 27, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 3585

Re: Should I replace Prius Hybrid Battery?

Another Prius thread. Wife and I bought a 2007 Prius used (89,000 miles) in 2014 from the original owner, who was a very nice older lady who obviously took meticulous care of the car. My wife drives a bit for work and it has been her primary car. We have both been very happy with it and have had ze...
by Trader Joe
Mon May 27, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1486

Re: American Express green card

I have had the thing forever, and yes it has a fee, and yes fee has increased over time. OTOH I put enough through it every month the rewards points more than make up for the fee, even though I don't have any business travel expenses to run through it. I know it sounds dumb, but its been an importa...
by Trader Joe
Mon May 27, 2019 4:27 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2653

Re: MEMORIAL DAY

Bogleheads: I fought in the Battle of the Bulge which was the deadliest single battle for Americans in World War II. I also marched down New York's Fifth Avenue in the World War II Victory Parade -- but my mind was on those who gave much more than I did. No matter where you are today, please rememb...
by Trader Joe
Mon May 27, 2019 3:10 pm
Forum: Personal Investments
Topic: Thoughts on these funds
Replies: 15
Views: 995

Re: Thoughts on these funds

I’d like to get thoughts on the following funds. My Roth centers around appreciation. I’m adding more bonds to it to diversify it. These are funds I’m considering purchasing in my regular accounts(Schwab and Vanguard). The idea is to add some dividend funds to mix in with growth funds. VYM, VANGUAR...
by Trader Joe
Sun May 26, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3913

Re: Where to buy products at TRUE wholesale prices?

What are some good places to buy products at TRUE wholesale prices? These can be products in any category. We are looking at a broad range of products. There are many businesses and websites that claim to sell things at wholesale prices, but the prices are not really wholesale. Any recommendations ...
by Trader Joe
Sun May 26, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3710

Re: How much to tip food delivery driver

I never tip food delivery drivers.
by Trader Joe
Sun May 26, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8602

Re: No more print Money magazine

I think this is good news for investors.