Search found 808 matches

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: 6693

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: 1321

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: 40
Views: 2424

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: 936

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: 2608

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: 525

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: 11130

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: 5302

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: 1885

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: 2682

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: 3558

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: 739

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: 8245

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: 1915

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: 4845

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: 9023

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: 18172

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: 388

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: 1882

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: 2616

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: 521

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: 6367

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: 6406

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: 1382

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: 3972
Views: 1057407

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: 825

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: 2823

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: 10556

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: 5867

Re: Irrational Despair?

DomDangelina wrote:
Fri Aug 18, 2017 11:48 am
Should we sell everything now?
I'd say no. :P
by blueblock
Thu Aug 17, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8454

Re: Little P**S Ants

I once had a temporary ant infestation when the people next door replaced the roof on their (older) house. Minimal efforts from a pest control company handled the problem cheaply and quickly.
by blueblock
Tue Aug 15, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8594

Re: Is $9000 too much for a sectional sofa ?

I'm a longtime fan and customer of Room and Board. Quality stuff, great customer service. Here are their sectionals with prices:

https://www.roomandboard.com/catalog/living/sectionals

There's quite a range, but your price certainly falls within theirs.
by blueblock
Mon Aug 14, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 7302

Re: Retired Boglehead obsession with money- devil's advocate

Here are four possibilities: ► Part of it is surely that all the thinking about money was what helped get me to the point where I shouldn't have to think about it anymore. It wasn't just a coincidence; one was necessary, to a large extent, to produce the other. ► Similarly, after all these years, t...
by blueblock
Fri Aug 04, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Glassware care
Replies: 12
Views: 802

Re: Glassware care

As it happens, we drink our daily four ounces of breakfast juice from small Waterford tumblers every morning. Have for many years.

We hand wash and dry them. It takes two minutes, tops.
by blueblock
Wed Aug 02, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 8431

Re: Retire early, live abroad until 65 and come back

I remember reading an expat's blog back in the early 2000s about his experiences moving from LA to Costa Rica. (It's no longer on line.) As he told it, he had loved his (low-paying) career in theater arts, and moved to CR to stretch his SS. Mostly, he loved it. But some specific downsides he mention...
by blueblock
Tue Aug 01, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Rebuild an Investment Portfolio
Replies: 5
Views: 630

Re: Trying to Rebuild an Investment Portfolio

I'd rather not count all the mistakes contained in those two sentences because it's a real struggle when I think about the opportunity I missed in the last two years. Here's the thing, though: you don't want to make the same mistake again, so it's best not to gloss over the missed opportunities, le...
by blueblock
Mon Jul 31, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: What kind of cleaning service do you use?
Replies: 15
Views: 1673

Re: What kind of cleaning service do you use?

Out here in the sticks, we've been using Merry Maids for two years now and find them consistently satisfactory, if no better than that. Sometimes they arrive in a branded vehicle, sometimes not. They send a team of two. There is some turnover, but not a lot. I am retired, and my partner works from h...
by blueblock
Sat Jul 15, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18787

Re: How are folks handling the unprecedented rise in the market ?

The last time I thought about bailing was... oh, never.

Stay the course.
by blueblock
Sat Jul 15, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: What is a typical (ballpark) AA for age 65?
Replies: 25
Views: 2210

Re: What is a typical (ballpark) AA for age 65?

If I'm 90/10 now, I was just trying to find an end AA to shoot for at 65. I know one cannot predict the future and my thoughts might change along the way, but I'd like to have as much of this in my IPS as possible. I'm 65. After many years at 60/40, I went to 55/45 when I retired two years ago. By ...
by blueblock
Wed Jul 12, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7849

Re: Do you consider business travel to be a perk or a burden?

It was mostly a burden. I didn't travel a great deal. In my field, our conferences were held in only a handful of big-convention-oriented US cities. After umpteen visits, there's nothing more to see or do, apart from maintaining professional connections, but those were rarely pleasurable, at least f...
by blueblock
Sat Jul 08, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2639

Re: A question about GENTLE excercise.............

I live in a rural area, 50 miles from a larger size community/gym..........many thanks for your interest in replying! I, too, live in a rural area, but there's a franchise gym nearby—Snap Fitness—where I've been working with a trainer for seven months. He doesn't call it yoga, but we work on balanc...
by blueblock
Sat Jun 24, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 4044

Re: Worthwhile TV programming?

I find tons of documentaries on Netflix and Amazon that are obvious propaganda....and not just for one side. All sides seem to get a chance to push their various agendas. "Tons" of documentaries you dislike, but you can't name a single one? Are you actually serious about getting viewing recommendat...
by blueblock
Fri Jun 23, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 8333

Re: Can you share some of your financial goals?

It sounds like maybe your larger savings and investment goal could be "FIRE" = Financial Independence, Retire Early.

http://www.firecalc.com is a great calculator/tool for working on this.
by blueblock
Fri Jun 23, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 4044

Re: Worthwhile TV programming?

The most worthwhile things we've watched on Netflix recently:

Five Came Back

Turn: Washington's Spies (3 seasons streaming).

Edited to add: "most riveting," The Handmaid's Tale on Hulu.
by blueblock
Wed Jun 14, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4740

Re: Best Cheap Champagne

South Africa's Graham Beck makes sparkling wine using the French method with impressive results at $16/bottle:

http://www.wine.com/v6/Graham-Beck-Brut ... x?state=CA
by blueblock
Mon Jun 12, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6817

Re: Have you canceled cable?

We cut cable years ago. Between Netflix and Amazon Prime, we are able to stream everything we want.
by blueblock
Tue Jun 06, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to TD Ameritrade
Replies: 20
Views: 1410

Re: Schwab to TD Ameritrade

After 20+ years with TDA, I left them in 2015 [for reasons]. I loved being their customer, not least because they have such a good user interface.
by blueblock
Wed May 31, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice wanted
Replies: 5
Views: 606

Re: Investment advice wanted

FearlesslyFifty wrote: - owe $390k on house
What is the rate you're paying on that?

Welcome to the forum!
by blueblock
Mon May 29, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: How long before I can cut down a branch with a nesting bird
Replies: 18
Views: 2298

Re: How long before I can cut down a branch with a nesting bird

Two comments: Mouses for the win. Be a good steward of your little patch of earth and leave the birds alone to do their thing. Before you fire up that chainsaw, be sure to view a few YouTube videos of people who thought they, too, could fell a tree safely. Here's one of many compilations: https://ww...