Search found 828 matches

by blueblock
Sun Dec 17, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 1392

Re: Overnight guests

What would you do? You're probably doing even more work to facilitate this arrangement than you outline. Who's making up the bed, washing linens and towels, doing extra dishes, cleaning the bedroom afterwards? Does the cousin make himself scarce in the evening or hang with you and your husband, thu...
by blueblock
Sun Dec 17, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Do you have bonds in Roths as a retiree?
Replies: 22
Views: 1414

Re: Do you have bonds in Roths as a retiree?

I'm retired with no bonds in Roth and no plans to put any there for the standard reason.
by blueblock
Sat Dec 16, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 70
Views: 3316

Re: How much do you spend on food per month, per person?

Household of two, generally about $400 each per month, which includes household items like cleaning supplies, paper products and pet food (2 dogs and a parrot), but not alcohol or eating out.
by blueblock
Mon Dec 04, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: VPN user -- can Vanguard remember my computer?
Replies: 4
Views: 516

Re: VPN user -- can Vanguard remember my computer?

Confirming what ZinCo said. I use VPN and the Vanguard site remembers me just fine with no additional prompts.
by blueblock
Sun Dec 03, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: moved to another state in 2017 -- best tax software?
Replies: 6
Views: 583

Re: moved to another state in 2017 -- best tax software?

In case you are not already aware, some states have reciprocal agreements with other states so that you don't have to file two state returns. For example, in 2015 I moved from Illinois to Wisconsin; I had to file only a Wisconsin state return. Turbo Tax handles this easily. Here's the list: https://...
by blueblock
Thu Nov 30, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: To sell or not
Replies: 3
Views: 505

Re: To sell or not

The wiki has a page on tax gain harvesting:

https://www.bogleheads.org/wiki/Tax_gain_harvesting
by blueblock
Wed Nov 29, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Best Home Blood-Pressure Monitor for Accuracy?
Replies: 6
Views: 603

Re: Best Home Blood-Pressure Monitor for Accuracy?

I've been happy with the monitor linked below. While it is automatic, you'll note in the top review that a medical person says its results compare well with those taken manually.

https://www.amazon.com/gp/product/B00KP ... UTF8&psc=1
by blueblock
Mon Nov 27, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday - Best Deals?
Replies: 6
Views: 959

Re: Cyber Monday - Best Deals?

The other day I nearly dropped a hot dish using my clumsy old hot pads, so when I saw these oven gloves at 70% off I spent a whopping $11.95 on them.

https://www.amazon.com/gp/product/B01ET ... UTF8&psc=1
by blueblock
Sun Nov 19, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Isn't a spender going to run out of cash and think, "No problem, there's lots more of that at the ATM"?
by blueblock
Tue Nov 07, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8995

Re: "I took all my money out of the stock market and it feels amazing"

Wow, that seems wildly imprudent to disclose so much about her finances using her real name when she is so easily located on social media.
by blueblock
Sat Nov 04, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 4165

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

You could likely get some good info by joining the International Carwash Association for $200:

http://www.carwash.org
by blueblock
Tue Oct 31, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Lets take about the adjustment
Replies: 13
Views: 1628

Re: Lets take about the adjustment

TheQuestionGuy wrote:
Mon Oct 30, 2017 8:39 pm
what indicators are you watching for the next adjustment?
I like the Economist's Global Forecasting Service free monthly summary report for a "view from 35,000 feet." http://gfs.eiu.com

I also like this graph:

Image
by blueblock
Mon Oct 30, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 9003

Re: My 401k is almost all cash now. 1/2 Mil

What would you do? First, I would adjust my views as to when I might be able to retire. Second, I'd explore the wiki here, along with the forum discussions, to understand that my views and current position are inconducive to investing success. Finally, I wouldn't beat myself up about past mistakes,...
by blueblock
Mon Oct 30, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 2134

Re: Portugal Trip, any suggestions?

Higman wrote:
Mon Oct 30, 2017 6:40 pm
Definitely Sintra:

http://www.sintra-portugal.com/guides/S ... isbon.html
+1
by blueblock
Sat Oct 28, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15494

Re: What was the main reason you retired?

1, 7 and 8: I hit my number, I was ready for a life of leisure and I was a bit burned out at work.
by blueblock
Thu Oct 26, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 10291

Re: Emotional impact of spending down assets?

I don't really know how my octogenarian self would feel, finding himself on that trajectory, to which I had committed him during my 60s and 70s. I wonder what thoughts or experiences people have about this. I'm 65 and have been retired two and a half years. What I'm not seeing in the responses so f...
by blueblock
Thu Oct 26, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for social security
Replies: 14
Views: 1401

Re: Signing up for social security

I created an account and then applied on line. It was easy-breezy, and a real live person followed up with an email to confirm. (I did have to go in person to my local office before payments commenced, but ONLY because of a silly data entry error the SSA made at some point in my distant past: their ...
by blueblock
Mon Oct 23, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4677

Re: what is your weekly workout routine?

65 with congenital heart condition—work is good, strain is bad.

At the gym MWF: 30-minute warm up, balance and flexibility; 60 minutes with trainer, lower weights with higher reps.

Most days: brisk walking 40-50 minutes/about 2 miles.
by blueblock
Sat Oct 21, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4973

Re: What service do you pay for that you could easily do yourself?

Lawn and yard care plus occasional arborist
Housekeeping services
Personal trainer 3 x per week
Bringing in/putting out the lake pier annually
Snow removal
Handyman services (e.g. from minor repairs to a bathroom remodel)
Doggie beauty parlor
Oil changes
by blueblock
Tue Oct 17, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 7463

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I'm fine with a decent correction. It's the indecent corrections that concern me.

:twisted:
by blueblock
Tue Oct 17, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1484

Re: Medicare change upcoming - preauthorization for imaging tests

Here's a link to what I believe to be the referenced article: https://www.consumerreports.org/medical ... s-covered/

It isn't at all clear, but I'm thinking they're referring to Medicare Advantage plans.
by blueblock
Fri Oct 13, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4206

Re: Medicare Advantage vs. Supplemental

You can get Medicare/supplement to "talk" to each other so you don't have to do anything. Doctor sends bill to Medicare and Medicare tells supplement the charges and what they paid. You don't have to submit anything once you set this up. With the supplement you don't have to worry "much" about the ...
by blueblock
Tue Oct 10, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 1071

Re: Does anybody read the Medicare and You booklet?

I read the parts that apply to me, which didn't take long. And I learned nothing that I didn't already know.

¯\_(ツ)_/¯
by blueblock
Tue Oct 10, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2834

Re: Cheapest thing you ever heard of to save money

When I was a kid, a frugal aunt who boasted that after she blew her nose on a Kleenex, she'd use the same tissue to remove her Ponds cold cream at bedtime, and then, finally, wipe her patent leather shoes with same to nourish the finish.

I kid you not.
by blueblock
Fri Oct 06, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Motiv Ring
Replies: 3
Views: 637

Re: Motiv Ring

This looks interesting, so I'm giving it a bump, in case any BHs have tried it.

Here's the website: https://mymotiv.com

And here's one review: https://www.pcmag.com/review/356274/motiv-ring
by blueblock
Thu Oct 05, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11718

Re: Millionaire Next Door (Thank you Bogleheads)

That's a lovely story, thanks for sharing.
by blueblock
Sun Oct 01, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5791

Re: Would you take a pay cut to work from home?

The six months before I retired, I worked from home two days a week. And my partner, who is self-employed, works from home 24/7. We are both introverts who perform extroversion well; we both are happier and more productive working from home. The thing you will have to look out for is initiative. It ...
by blueblock
Sat Sep 30, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEAD CONTEST -- Third Quarter Leaders
Replies: 13
Views: 2044

Re: 2017 BOGLEHEAD CONTEST -- Third Quarter Leaders

I've never been happier than to place 274th in this contest. :)
by blueblock
Thu Sep 28, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Likelihood of a crash and lump sum investing
Replies: 32
Views: 2952

Re: Likelihood of a crash and lump sum investing

Not 100% stocks, but either the standard 100 - age in stocks or the percentage the Vanguard Target Date Funds uses (~90% stocks for me, planning to retire in 2045) Given your planned retirement date, what do you care about a crash? You are in it for the long haul, yes? I never tire of recommending ...
by blueblock
Tue Sep 26, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford to slow down at 34yo? Feeling burn out.
Replies: 17
Views: 3703

Re: Can I afford to slow down at 34yo? Feeling burn out.

You're doing all this yourself? There's an old saying for getting to the next level in a personal business: "Work ON the business, not IN the business." It sounds to me like you need to develop internal systems that will allow you to delegate the grunt work to others, with you in an oversight capaci...
by blueblock
Sun Sep 24, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Transition to new health insurance company - cautions?
Replies: 10
Views: 827

Re: Transition to new health insurance company - cautions?

Just a note, you aren't restricted to ACA. Google "health insurance broker + [your zip code]." There is no cost to you to speak with a broker in your area, and they may have a better deal. I was very happy with the broker I used, and she was additionally very helpful in recommending a Medicare suppl...
by blueblock
Fri Sep 22, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8924

Re: Age you retired

I retired at 63 in 2015.
by blueblock
Wed Sep 20, 2017 6:51 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 2210

Re: Why so many 'negative' responses?

heybro wrote:
Wed Sep 20, 2017 6:11 pm
I have noticed a common trend. After someone posts a topic, most of the replies are usually very negative.

Anyone else notice this?
In a word, no.

If find the participants on this board unusually courteous and positive as these Internet things go.
by blueblock
Wed Sep 13, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 5160

Re: Milestone Reached - "Quarter Millionaire!"

When I was your age, I had a negative net worth. Now I'm retired and living large, so feel good about your milestone.

Make sure to smell the roses along the way.
by blueblock
Tue Sep 12, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 9522

Re: Retirees-anyone miscalculate how much was needed?

I do wonder if anyone here has retired but had to really reduce spending due to unplanned higher than anticipated retirement expenses (or spending) when they finally retired? Yes, I need to go back to work in order to afford an iPhone X. :wink: More seriously, I had a good handle on my anticipated ...
by blueblock
Sun Sep 10, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 94
Views: 18546

Re: Two Comma Club

I'm in the club with or without including home and car, and regardless of what the market is doing lately. That feels more secure to me for some reason, and indeed that's when I gave notice, last Fall, that I'm retiring. And now I have only two more weeks to go, and I'm feeling better and more free...
by blueblock
Sun Sep 10, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance between COBRA & Medicare
Replies: 5
Views: 450

Re: Medical Insurance between COBRA & Medicare

My COBRA-Medicare gap was only six months in duration. I went to a local health insurance broker, who handled everything satisfactorily.

The down side was that my gap coverage crossed a calendar year, and my premiums increased a whopping 29%, if only for three months.
by blueblock
Sat Sep 09, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: Irrational fears?
Replies: 23
Views: 2082

Re: Irrational fears?

Do you have fears about using paper money, worrying that it isn't worth the paper it's printed on? :twisted:
by blueblock
Thu Sep 07, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: Actually feeling pretty good about my active decisions
Replies: 20
Views: 2761

Re: Actually feeling pretty good about my active decisions

I'm certainly not posting this to brag about my amazing active management skills... LOL, yes you are. It's called humble bragging. That's okay. It feels good to get ahead. Congrats, and enjoy your gains, but please do check back in with us when you make an active trade that loses you money, because...
by blueblock
Sun Sep 03, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Selling artwork, best practices?
Replies: 3
Views: 554

Re: Selling artwork, best practices?

Google "Grant Wood + [Title of Your Lithograph] + auction" to see who has moved that work and for how much. Auction houses that have sold his work before are more likely to do so again, versus a house that doesn't attract Wood buyers. Do the same again for the Speck.
by blueblock
Sat Sep 02, 2017 7:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6676

Re: Stan died [Long time forum lurker]

That was a lovely reminiscence and much appreciated.

I'm going to date myself and say that it reminded me of the "magic mirror" on Romper Room when I was a kid. I thought she probably couldn't really see me in my home, but I wasn't sure. We were all lurkers in those days. :happy
by blueblock
Wed Aug 30, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6790

Re: How do you reverse a lifetime of frugality and learn to spend some money?

I was extremely frugal throughout my working years and saved enough money to retire at age 49. I'm now 56 and I have to admit I still worry about spending money on anything but the bare necessities . I have zero debt and my home is paid for. From my own experience: - Housekeeping services (I hate c...
by blueblock
Wed Aug 30, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Is this common bank queuing etiquette? (rant)
Replies: 18
Views: 1473

Re: Is this common bank queuing etiquette? (rant)

Banks are funny. They tend to persist in the notion that people want to talk to other people when it comes to their money. And some do, no doubt. But automation is clearly the better path for all concerned. I remember 20+ years ago when United Airlines introduced self-check-in kiosks. In a newspaper...
by blueblock
Tue Aug 22, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1118768

Re: U.S. stocks in freefall

Serious question: Why is this topic still open?
by blueblock
Sun Aug 20, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Wine pairing
Replies: 8
Views: 931

Re: Wine pairing

If I were tasked with this challenge, I would not try to do it myself. I would go to the sommelier at a favorite restaurant and ask for their compensated help. Or maybe a knowledgeable person at your local wine store. First because it's a surprisingly big area, and second because sommeliers generall...
by blueblock
Sun Aug 20, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3149

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

Another vote for disliking the theater experience and much preferring big-screen TV streaming (and occasional DVDs) with surround sound at home.

I'll grant BogleFanGal that sometimes a movie demands a theater presentation. The last ones for me were Prometheus and Avatar.
by blueblock
Sun Aug 20, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11407

Re: Anyone planning on never retiring?

Everyone's different. To give one example, while I love reading about Victoria's adventures whenever she shares them, I would not want her life. It sounds like way too much work for anything I'd be interested in. Maybe I'm just getting "stupid" at two years into retirement, though in my own defense,...
by blueblock
Fri Aug 18, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: Irrational Despair?
Replies: 39
Views: 6153

Re: Irrational Despair?

DomDangelina wrote:
Fri Aug 18, 2017 11:48 am
Should we sell everything now?
I'd say no. :P