Search found 33 matches

by dccboone
Thu Dec 07, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4839

Re: I received a speeding ticket via mail from IA - should I pay it?

Post by spitty » Thu Dec 07, 2017 6:49 am dccboone wrote: ↑Wed Dec 06, 2017 11:23 pm One final thought; during the past two years, I received two tickets from these same cameras. In both instances I was speeding more than 9 miles per hour over the limit and I paid both tickets. Did you get any point...
by dccboone
Wed Dec 06, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4839

Re: I received a speeding ticket via mail from IA - should I pay it?

As a resident of Iowa, first let me apologize for local municipalities in our state that I believe are utilizing this technology as a means to simply raise revenue. Attached are two recent Iowa newspaper articles discussing this topic. A Google search will uncover many more from our state as well. T...
by dccboone
Fri Dec 01, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10285

Re: Price of haircut?

Same as arsenalfan: #2 on top, fade to #1.5 on sides/back. Straight-razor shave of neck and sideburns. Twice a month - $14, plus $1 tip.
by dccboone
Sun Nov 19, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 5078

Re: Jack Bogle, the word's richest man

How many people in the history of the world gave up billions to help others? I can think of only one. Nice thought, but not even remotely close. Bill Gates donated $4.6 Billion in a single month (June 2017) to combat malaria. This is part of a decades-long history of philanthropy. The foundation th...
by dccboone
Mon Nov 13, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15192

Re: Why pay cash for a car?

To each his own. We do not buy new cars and do not borrow to buy a used one either. If we can afford to make the monthly payment, then we can afford to save the same amount each month until we've saved enough to pay cash. It's what works for us.
by dccboone
Wed Nov 08, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13164

Re: How old are you and how much do you save for retirement a year

I'm 60, she's 57 and neither receives company match. Proud to say we will save 42% of net income this year. 2016 was 41% and 2015 was 40%. I think there may be a pattern developing here? The challenge for 2018 - find our way 43%. :beer
by dccboone
Thu Oct 19, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5847

Re: Is a crash coming soon?

aristotelian wrote:
Thu Oct 19, 2017 2:05 pm
Gut feeling says 5-10% correction followed by flat market for a while.
I'm not banking on aristotelian's gut feeling and I hope he isn't either. :P
by dccboone
Thu Oct 19, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5847

Re: Is a crash coming soon?

Welcome to the forum Jacky817. It looks like you have been doing a bit of homework believing it will help you predict when the market will go down or up. It’s a fool’s game. Don’t waste your valuable time. And, I don’t understand why you would be reluctant to invest regularly. My recommendation is t...
by dccboone
Tue Oct 17, 2017 11:59 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5191

Re: The overselling of international diversification

I won’t argue pro or con regarding whether or not there is or isn’t a correlation between U.S. and non-U.S. stock returns. Right or wrong, I believe my risk is better spread over 9,899 company stocks rather than only 3,636 (Total Stock Index (VTSAX) represents 3,636 U.S. companies, plus Total Intern...
by dccboone
Tue Oct 10, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 4270

Re: Protecting against the possibility of a correction?

“Meb Faber has an article out where he explains the use of a combination of monthly 5% out of the market put options on the market plus government bonds.” I believe the use of the term “article” implies this piece has some journalistic value. Let’s be clear, this is a sales brochure. Its job is to ...
by dccboone
Wed Oct 04, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3411

Re: We're Debt Free (Except our House)!

Congrats! Great work! The only non-mortgage debt we have currently is my 2016 truck. I have been paying way over the normal payment but have been contemplating using some of my emergency fund + tax refund to pay it off next February, then replenish the fund with what I was paying on the truck month...
by dccboone
Wed Oct 04, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4478

Re: another 2 comma club member

Congratulations! Keep up the good work. :sharebeer
by dccboone
Wed Sep 27, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Meaningful wedding gift?
Replies: 20
Views: 1688

Re: Meaningful wedding gift?

How about a nice bottle of vintage champagne that can share together for a special toast on their first anniversary?
by dccboone
Tue Sep 26, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3593

Re: Verizon TravelPass

We tried to use Verizon TravelPass on recent trips to Vancouver and Italy but found it to be of almost no value in either place. Had very difficult time with reception unless we were in a place with wifi. Without good reception, Google maps was of no use. Not sure what experience others have had? Be...
by dccboone
Mon Sep 25, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5781

Re: Vanguard charged me $140 in service fees

Based on the very limited information provided by sawhorse, I'm not ready to toss Vanguard under the bus on this one. Often times these days people want to jump on social media or an online forum to plead their case before doing their homework to determine exactly what has happened (seek first to un...
by dccboone
Mon Sep 11, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 3412

Re: Freezing Credit Report - Effect on Auto Insurance

I can only speak for myself. We froze our credit in 2013 and it has had no negative impact on our insurance rates that I'm aware of. During that period we switched our insurance to Geico because they beat the rate we were paying a State Farm. In March of this year, we switched to Grinnell Mutual bec...
by dccboone
Tue Sep 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Service organizations/Dinner clubs?
Replies: 10
Views: 1071

Re: Service organizations/Dinner clubs?

I would recommend you Google "Rotary Clubs" in your area. This is an organization of professional men and women that believe in placing service to their community above themselves. Most Rotary clubs meet once a week for for an hour to enjoy each others friendship while also sharing a meal. Their mot...
by dccboone
Sun Aug 13, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 6573

Re: Where to buy glasses for eclipse viewing ?

Check with local libraries. I was told NASA is giving away glasses to be distributed by libraries all over the country. My local library has an event planned for tomorrow (8/14) and they have 100's of NASA approved glasses they will be giving away free.
by dccboone
Sun Aug 06, 2017 4:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2462

Re: Celebrating 30 years with Vanguard!

Congratulations BH87 on your 30th anniversary with Vanguard. Well done!
by dccboone
Tue Aug 01, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2994

Re: FAFSA: if known result, why complete?

The FAFSA web site reports that it takes 55 minutes to complete a FAFSA for the first time, 45 minutes for a Renewal FAFSA and 10 minutes to submit corrections. Gathering the necessary information may add a few hours to the total they report.
by dccboone
Tue Aug 01, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2994

Re: FAFSA: if known result, why complete?

Colleges and universities encourage everyone to complete the FASFA because they operate in large part on borrowed money. It is the grease that primes their pump. The carrot they dangle is the prospect of free money. The reality for many is more college loans. After our son's freshman year, we never ...
by dccboone
Mon Jul 31, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1576

Re: Florence Hotels.......

We were in Florence in June of 2016. Used Airbnb and could not have been happier. Had a beautiful apartment within 2 blocks of the Duomo. At that time I believe there were 200+ Airbnb places for rent in Florence. I assume that number has increased even more since then. We booked our Airbnb locations...
by dccboone
Mon Jul 24, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3721

Re: What's you safety deposit box fee?

Our saftey deposit box is held at a credit union. For a medium-sized box they charge $30 per year.
by dccboone
Wed Jun 28, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 14698

Re: How did you handle the costs of your child's wedding?

According to a recent article in Fortune, the national average cost of a wedding day in 2016 was $35,329, which was up 8.2% as compared to 2015's average of $32,641. My daughter was married last June and the total cost for her wedding was approximately 27% below that national average. Either way, it...
by dccboone
Mon Jun 26, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4479

Re: Things to do in Iowa/Nebraska

Just north of Des Moines 45 minutes is the town of Boone. There you can ride the Boone & Scenic Valley Railroad (http://www.bsvrr.com/). You travel from Boone to the old coal mining town of Fraser (and return) in 1920's era coach cars. You can experience what it was like to ride the rails in a caboo...
by dccboone
Mon Jun 26, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 20
Views: 1402

Re: Two days in Vancouver - Suggestion...

Another BH traveling to Vancouver in the coming weeks. Will also be spending a few days up the coast in Gibsons as well. Any recommendations regarding whale watching or restaurants in either location?
by dccboone
Mon Jun 26, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4479

Re: Things to do in Iowa/Nebraska

A few thoughts. Des Moines is an up and coming city and there is a lot of construction in the downtown area. The Des Moines farmers market is among the largest in the country. It occurs every Saturday morning during the summer in downtown and includes live music, lots of great food and thousands of ...
by dccboone
Fri May 15, 2015 9:15 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 10586

Re: International - Who really is at 40%

Not I. At this time U.S. Equities are 55% of total, U.S. REITS 8.5% (combined U.S. 63.5%) and International Equities 36.5%.
by dccboone
Fri Mar 06, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 10008

Re: What is your credit score?

I don't know and I don't care. We don't borrow money and have no credit cards. A credit score is not a sign of wealth. For example, if someone were to give you $10 million tomorrow, your credit score would not change a single point. Rather, a credit score is simply a measure of your interactions wit...
by dccboone
Wed Feb 04, 2015 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Establish a 403b
Replies: 2
Views: 369

Re: Should I Establish a 403b

Thanks for your input Duckie.
by dccboone
Wed Feb 04, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Establish a 403b
Replies: 2
Views: 369

Should I Establish a 403b

I'm 57 and my wife is 55. She is a teacher and I work for a small nonprofit that has no retirement plan. Question; the school district offers a 403(b) plan that includes a 403(b) ROTH option. Given our age, we could invest up to $24,000 per year either pretax or in the 403(b) ROTH. Plan includes Van...