Search found 1534 matches

by GoldenFinch
Sat Jul 21, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11550

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: 16
Views: 1539

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: 102
Views: 7880

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: 65
Views: 7810

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: 6357

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: 12644

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: 12644

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: 12644

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: 9081

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: 351
Views: 11550

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: 293

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: 58
Views: 7365

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: 351
Views: 11550

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: 351
Views: 11550

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: 3209

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: 3303

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: 5628

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: 18087

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: 6568

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: 12872

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: 12872

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: 12872

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: 14732

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: 14732

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: 1345

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: 3409

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: 8461

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: 8461

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: 5011

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: 17457

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: 37621

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: 3641

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: 4931

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: 745

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: 745

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: 1934
Views: 350064

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: 17887

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...
by GoldenFinch
Thu May 24, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: New Trend: Bonds in Roth IRA
Replies: 16
Views: 2580

Re: New Trend: Bonds in Roth IRA

Not everybody is investing in the most tax efficient or most optimal way. For some of us it’s an exercise in continuing education.
by GoldenFinch
Wed May 16, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5000

Re: New motorcycle rider

Of the seven motorcyclists I’ve known in my life, one is dead, one is paralyzed from the waist down, one is brain damaged and the other four all had accidents that involved injury. It may be fun, but it is definitely risky.
by GoldenFinch
Wed May 16, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3093

Re: Fellow non-529ers

My strategy has been using 529. :) 20+ years of tax free gains - I can't imagine anything else that would have been better for me. Interesting thread - discussing alternates to the best college savings solution for someone that is maxing out other tax advantaged accounts. I too have been really, re...
by GoldenFinch
Mon May 14, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 8753

Re: Is there a boglehead muscle car?

Deleted
by GoldenFinch
Mon May 14, 2018 6:58 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12286

Re: The front page is ugly

I really like it a lot!

Many of the other websites I use are changed regularly and sometimes they just keep getting worse.
by GoldenFinch
Sat May 12, 2018 8:31 am
Forum: Forum Issues and Administration
Topic: Found cause of posts getting lost (not posted)
Replies: 13
Views: 1266

Re: Found cause of posts getting lost (not posted)

I think the purpose is to give you a chance to rethink your post after reading the posts that were posted while you were in composition mode.

(How many posts will other posters post while a poster is posting a post?)
by GoldenFinch
Sat May 12, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24952

Re: Lucrative careers?

You said you love law, so why not take a practice LSAT and see how well you do? If you get a decent number you could go the law school route and study for the LSAT while you finish your undergrad.
by GoldenFinch
Tue May 08, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2741

Re: Happy 89th birthday to Bogle

Happy Birthday Mr. Bogle!
:happy
by GoldenFinch
Mon May 07, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3544

Re: When did you start drawing profits from taxable?

We will just cut back on saving when we need/want money.

Don’t feel bad about spending some savings if you are on track for retirement. Saving money is for both security and enjoyment, not hoarding.
by GoldenFinch
Fri May 04, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451117

Re: U.S. stocks in freefall

Bad luck, that. Yesterday mid day I decided it was time to continue the value averaging process of a lump sum that gets me fully invested by 2020. Didn't have time to pull the trigger so did it last night, by mutual fund rather than WTFE. I'm paying 3% more than I would have about 24 hours ago. Wha...
by GoldenFinch
Mon Apr 30, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9384

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I tell my daughter to always appear confident like she knows the area. Try not to look like a tourist. Avoid isolating yourself. Don’t speed.
by GoldenFinch
Sat Apr 28, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Which literary magazine do you read?
Replies: 12
Views: 804

Re: Which literary magazine do you read?

Fclevz wrote:
Sat Apr 28, 2018 6:14 pm
Lapham’s Quarterly
My favorite too.