Search found 1546 matches

by GoldenFinch
Wed Aug 15, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Plan us a trip !
Replies: 15
Views: 1530

Re: Plan us a trip !

Coastal Maine!
by GoldenFinch
Thu Aug 09, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: The Most Googled Money Terms in America
Replies: 16
Views: 2220

Re: The Most Googled Money Terms in America

Looks like people in Indiana are listening to a lot of Dave Ramsey.
by GoldenFinch
Wed Aug 08, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2759

Re: Two voices in my head

mega317 wrote:
Wed Aug 08, 2018 4:34 pm
TM90 wrote:
Wed Aug 08, 2018 4:18 pm
I think I'm going to wait until we have a market crash (40-50% down from top) so I can buy low and sell (hopefully) high.
Don't do this. What if the next crash is 39%?
Precisely why this strategy tends to fail.
by GoldenFinch
Tue Aug 07, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4559

Re: Dear BH, what are non-BH [financial] actions you do?

I forgive all of you and myself.


You’re welcome. :happy
by GoldenFinch
Wed Aug 01, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6742

Re: DW job in dangerous area

If your wife doesn’t feel safe, she should continue looking. If it’s only you who doesn’t feel safe, I would defer to her. It is awful to not feel safe in your day to day life.
by GoldenFinch
Sun Jul 29, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5277

Re: Why dont people sit outside more? And how to deal with bugs?

WeMigr8 wrote:
Sat Jul 28, 2018 9:25 pm
Box or oscillating fan... poor critters can't seem to overcome the draft... worth a try anyway, and just might help with the other discomforts of sitting outside in the heat & humidity.
We use a fan and it works for us.
by GoldenFinch
Sat Jul 28, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Mold in caulk of shower
Replies: 21
Views: 2126

Re: Mold in caulk of shower

Oxy-Clean spray. Spray it on and leave it for an hour and rinse. :happy If it doesn’t work you probably have to recaulk. :|
by GoldenFinch
Fri Jul 27, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9259

Re: Toughest Purchase of my Life. Engagement Ring time

BolderBoy wrote:
Thu Jul 26, 2018 1:35 pm
MortgageOnBlack wrote:
Thu Jul 26, 2018 1:13 pm
Any advice? Will this purchase seem like peanuts as time passes?
Yes, it will.

Suggestion: make the proposal be the surprise and take her to the jewelry store to pick out the ring of HER choice (not yours).
I agree with BolderBoy.

Good luck! :happy
by GoldenFinch
Tue Jul 24, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: New Fiduciary Rule seems to be a big disappointment
Replies: 25
Views: 4174

Re: New Fiduciary Rule seems to be a big disappointment

I’m really happy I’m a Boglehead and can get free advice on how to manage my money from smart people right here. Thank you!
by GoldenFinch
Tue Jul 24, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7811

Re: Son Hurt at Summer Camp

Our son was injured five years ago at camp due to obvious negligence that was written up honestly by the camp counselor. The injury required stitches at the ER and was on his face. Because he was crying the next day the stitches split open and the injury had to be “glued” shut. He has a scar that o...
by GoldenFinch
Tue Jul 24, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7811

Re: Son Hurt at Summer Camp

Our son was injured five years ago at camp due to obvious negligence that was written up honestly by the camp counselor. The injury required stitches at the ER and was on his face. Because he was crying the next day the stitches split open and the injury had to be “glued” shut. He has a scar that on...
by GoldenFinch
Sun Jul 22, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter Harassed Because No Loans
Replies: 13
Views: 1659

Re: Daughter Harassed Because No Loans

It is no one else’s business how your daughter pays for college. She apparently let the cat out of the bag. In the future she will know not to discuss finances with others, especially peers. These people don’t sound like true friends at all.
by GoldenFinch
Sat Jul 21, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14993

Re: COMING SOON: BOGLEHEADS PODCASTS

Suggestion for the podcast to have a small segment devoted to larger discussions that have recently bubbled up on the forum. Maybe we can figure out whether to pay off our mortgages. Or whether or not anyone really needs to own a bed. But that one was locked so maybe we will never really know.
by GoldenFinch
Fri Jul 20, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: An unwanted Boat
Replies: 20
Views: 2491

Re: An unwanted Boat

https://cardonationforvets.org/a/lp/donate/boat/va/?utm_campaign=va-1-e-d&ntwk=g&tgt=&plmnt=&dvc=c&devmod=&utm_term=donate%20a%20boat&mtype=e&adpos=1t1&ctv=238892801447&rdm=10557254449431404967&utm_source=google&utm_medium=cpc&gclid=EAIaIQobChMI6pjIi7Gu3AIVg4RpCh0BwQ9pEAAYASAAEgJ_7_D_BwE I don’t th...
by GoldenFinch
Thu Jul 19, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 8814

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

Selling and diversifying into VTSAX means it’s still your Dad’s legacy money, but it’s safer. After the transaction is done it will still feel like the same wonderful gift that it is, but you won’t have the elevated risk of losing it that comes along with owning a single stock.
by GoldenFinch
Thu Jul 19, 2018 5:56 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 10990

Re: I may have understood why it's so hard to save and invest

I remember feeling the same way. The numbers seem so small early on in investing that it doesn’t always feel like it’s worth the effort/sacrifice. The payoff comes later on. Keep doing what you’re doing.
by GoldenFinch
Wed Jul 18, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7111

Re: How do you handle the urge to DO something?

I do one and a half to two hours of cardio stuff at the gym every morning and that uses up 85% of my energy for the day. I spend the rest of the day trying to stay awake and get everything else I have to do done. I do pay attention to the stock market, but since all of our investments are on autopil...
by GoldenFinch
Tue Jul 17, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13122

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Sheepdog wrote:
Tue Jul 17, 2018 1:31 pm
GoldenFinch wrote:
Tue Jul 17, 2018 10:04 am
Sheepdog wrote:
Tue Jul 17, 2018 6:46 am
GoldenFinch wrote:
Tue Jul 17, 2018 6:15 am

I wrote that post over a year ago and still haven’t written anything down! Thanks for the reminder. I will stop procrastinating and write everything down today.
Good.. May we ask you tomorrow how you did?
Done!
Congratulations
Thank you for the social pressure. :sharebeer
by GoldenFinch
Tue Jul 17, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13122

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Sheepdog wrote:
Tue Jul 17, 2018 6:46 am
GoldenFinch wrote:
Tue Jul 17, 2018 6:15 am

I wrote that post over a year ago and still haven’t written anything down! Thanks for the reminder. I will stop procrastinating and write everything down today.
Good.. May we ask you tomorrow how you did?
Done!
by GoldenFinch
Tue Jul 17, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13122

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

My plan is to write the passwords on paper, but I haven't done it yet. Probably will get to it in the fall. I do quiz him about where the accounts are and he usually remembers all of them except for the 529s. Do not, repeat, do not depend on quizzing him. If something happens to you, I promise you,...
by GoldenFinch
Mon Jul 16, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9712

Re: Why own a bed?

This thread gets my vote for one of the silliest yet here on Bogleheads.
by GoldenFinch
Sun Jul 15, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14993

Re: COMING SOON: BOGLEHEADS PODCASTS

Deleted...didn’t see there was a winner!
by GoldenFinch
Sat Jul 14, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: are you able to find what you are looking for in the wiki?
Replies: 10
Views: 329

Re: are you able to find what you are looking for in the wiki?

I have not had any problems finding information in the Wiki.
by GoldenFinch
Sat Jul 14, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8658

Re: Be Careful Using Mailboxes

I have observed the mail box at our post office full to the top on a Sunday night when letters were visible in the slot and one could easily grab a hand full. Our local post office mailbox sometimes has mail stuffed to the brim and even falling out! I was pretty shocked the first time I saw mail on...
by GoldenFinch
Fri Jul 13, 2018 4:28 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14993

Re: COMING SOON: BOGLEHEADS PODCASTS

Literally Finance by Bogleheads!



Plays on the words in Center for Financial Literacy and sounds nice (at least to me :happy ).
by GoldenFinch
Thu Jul 12, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14993

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheadlines!
by GoldenFinch
Tue Jul 10, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3366

Re: What’s the median income of Bogleheads?

Since many Bogleheads are retired, their income may be low even though they are very well off. You could ask about AGI (adjusted gross income) or yearly take-home pay for salaried workers. I think threads like this usually get locked though.
by GoldenFinch
Sun Jul 08, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3481

Re: What do you pay for home services?

When our kids were younger and we were younger we paid for cleaning, mowing and lots of other things. We could barely afford any of it. Now we can afford it, but I can’t bring myself to pay for anything. I clean, I mow (with a push mower, lol) and contemplate painting walls and other projects. I jus...
by GoldenFinch
Sat Jul 07, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5787

Re: Girls and investing

I have four children and have found that their interest and maturity signaled whether they were ready and willing to learn about investing, not their age. The child being a boy or a girl has nothing to do with it.
by GoldenFinch
Thu Jul 05, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18884

Re: Morningstar: prepare for a lost decade for U.S. stocks

Many moons ago I used to look at Morningstar reports. They turned out to be a huge waste of my time.

One thing I have been able to predict: when a financial website has an article predicting stocks will go up, there will also be an article nearby predicting they will go down.
by GoldenFinch
Thu Jul 05, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6954

Re: Walking Coast-to-Coast

Very neat! I’m glad you got through your trip safely. Your story made me smile. :happy
by GoldenFinch
Sun Jul 01, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13541

Re: What are your property taxes?

We pay just under 15k on a 300k house in the Midwest rust-belt area of the country. Most of our property taxes go to the schools. Some jurisdictions have two property taxes - one for general jurisdiction and another for school taxes. Our taxes are high because our city is almost purely residential ...
by GoldenFinch
Sun Jul 01, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13541

Re: What are your property taxes?

We pay just under 15k on a 300k house in the Midwest rust-belt area of the country. Most of our property taxes go to the schools.
by GoldenFinch
Sun Jul 01, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13541

Re: What are your property taxes?

Rather than some anecdotal info, all the answers you seek are here: https://taxfoundation.org/publications/tax-maps/ Those are statistics.... It means so much more to hear it from real people paying the taxes. You people are real...... aren't you? Dan We are Bogleheads here. You mean you are a real...
by GoldenFinch
Sat Jun 23, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15159

Re: Did you celebrate when you finally hit $1m?

So I won't be celebrating. It's just "meh...whatever." Being a millionaire ain't what we thought it was growing up. When I was born in 1966 one million dollars had the spending power of over 7.7M today. When I graduated high school in ‘84, 1M had the spending power of over 2.4 million in today’s do...
by GoldenFinch
Fri Jun 22, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15159

Re: Did you celebrate when you finally hit $1m?

Nope. It's not as much fun I suppose to hit $1m going the other way. It's probably better to wait until you know you won't have to celebrate hitting $1m anymore because your portfolio is probably going to bounce below and above for a while unless you got a big windfall. ^^I agree! In our case, our ...
by GoldenFinch
Fri Jun 22, 2018 4:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mel Lindauer
Replies: 22
Views: 1451

Re: Happy Birthday Mel Lindauer

Happy Birthday! :happy I always enjoy your posts!
by GoldenFinch
Thu Jun 21, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3544

Re: Does an IPS really need to be 5 pages long to be valuable?

Mine just says, “Paws off.” So far it has worked. I will write a longer one someday, but for now I think I’m okay.
by GoldenFinch
Wed Jun 20, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8614

Re: gray hair

[Reponse to OT comment removed by admin LadyGeek]

Regarding dying one's hair, maybe only dye it if it makes you happy, not for other people.
by GoldenFinch
Tue Jun 19, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8614

Re: gray hair

Men look nice when they go gray. It’s considered charming by many. No need to bother with dye.
by GoldenFinch
Thu Jun 14, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5178

Re: How do you celebrate (potty trained kid) milestone with your spouse?

I tried to describe the range of responses on this thread to my spouse; her response was that Bogleheads have to much time on their hands. I always thought that having lots of time was the point of being a Boglehead. :happy As far as answering the OP about celebrating milestones, we solved this pro...
by GoldenFinch
Wed Jun 13, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17850

Re: Life in retirement - what did you do today?

Retired 5 years now mid 40s: Got up and fed all my 40-odd rescue cats then had breakfast. Loaded the cement mixer up and then the electricity went off so I walked to the village square for some shopping. Came home and decided to tidy up my little vineyard so spent 2 hours at that. A friend came by ...
by GoldenFinch
Mon Jun 11, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38024

Re: Bogleheads, tell me about your 40's?

I liked my forties a lot, but I like my 50s even better. More freedom and I accomplished everything I set out to do. Now I just get to sit back and relax for a while.....
:sharebeer

(But not too long of course.)
by GoldenFinch
Sun Jun 10, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3683

Re: The effect of a difficult last name on employment prospects...

“What’s in a name? That which we call a rose by any other name would smell as sweet.” Shakespeare So I guess you can change your name and still be your wonderful self, but it might seem a bit strange after having your given name for all those years! I too have an Eastern European last name and to ma...
by GoldenFinch
Fri Jun 08, 2018 1:15 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4978

Re: $1M Question

I don’t know, but you could definitely make $240 bucks if you put it in a 2% CD.
by GoldenFinch
Thu Jun 07, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: good place to buy kids bedroom furniture
Replies: 15
Views: 768

Re: good place to buy kids bedroom furniture

livesoft wrote:
Thu Jun 07, 2018 7:00 pm
Do the kids' room even need furniture? We never got anything more than a bed for my son's room. He put clean clothes on the floor in one corner and dirty clothes everywhere else.
One of my kids does this too. We keep his door closed.
by GoldenFinch
Thu Jun 07, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: good place to buy kids bedroom furniture
Replies: 15
Views: 768

Re: good place to buy kids bedroom furniture

We have bought ours at Pottery Barn Kids on sale with American Express points. But that might not be the type of furniture you are looking for.
by GoldenFinch
Fri Jun 01, 2018 4:29 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353082

Re: What are you up YTD? [Year To Date]

Oh my. After checking today, my hand picked 10 fund actively managed portfolio is up 9.5% YTD. Only 1 of the 10 has a negative performance. I feel sad for all those that believe such market out-performance with all this diversification is not possible or, at best, pure luck. That's a lot of the mor...
by GoldenFinch
Fri May 25, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 220
Views: 18083

Re: Buy on Really Bad Days, Sell on Really Good Days?

I am surprised I can't find any posts by you on how to DIY-approximate Engineer TM 's bi-dimensional (expected risk & return) strategy... L.C. I was given this book recently and I am still thinking about it. Also, I've sort of given up explaining to people how many of the rebalancing studies do not...