Search found 256 matches

by peetsperk
Fri Jul 31, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: Barron’s article on bonds
Replies: 89
Views: 5596

Re: Barron’s article on bonds

...There was interview with Dan Fuss, one of most renowned bond guys for decades... I have no doubt he is famous in some circles, but, seriously, have you heard his name before and what can you tell us, from your own knowledge, about his philosophy and his reputation? From web searches I have just ...
by peetsperk
Tue Jul 21, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Are we saving too much (for our needs)?
Replies: 35
Views: 3990

Re: Are we saving too much (for our needs)?

If you haven't, I think you should ask your spouse what she/he thinks about your current savings rate, as well as what budget amounts should be spent on things like vacations, child care and the like. This is supposed to be a partnership. Good luck!
by peetsperk
Thu Jul 02, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and Credit Score
Replies: 29
Views: 1736

Re: Auto Insurance and Credit Score

Credit freezes are a great tool for blocking lenders and credit card issuers from accessing your report without your knowledge. But freezes don't shut out inquiries by insurers. Nearly every state, including Ohio, created an exception in its freeze law that allows insurers access to credit reports ...
by peetsperk
Wed Jul 01, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and Credit Score
Replies: 29
Views: 1736

Re: Auto Insurance and Credit Score

Call me a skeptic. Let me be clear. I’m not saying there aren’t insurance companies that use credit scores. However, I am saying I believe the prevalence and impact on rates are often overstated. Credit history is one of the best predictors of automobile claims risk. It's a better predictor than po...
by peetsperk
Wed Jul 01, 2020 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and Credit Score
Replies: 29
Views: 1736

Re: Auto Insurance and Credit Score

Call me a skeptic. Let me be clear. I’m not saying there aren’t insurance companies that use credit scores. However, I am saying I believe the prevalence and impact on rates are often overstated. I offer the following food for thought. First, after the Equifax breach, there are numerous estimates th...
by peetsperk
Sun Jun 28, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8360

Re: E-Bike recommendations

This transport problem of not being able to lift things would be a "deal breaker" for me. Is there a bike rack that is receiver mounted and the bike/E-Bike can be rolled up onto it? j :happy https://www.discountramps.com/motorcycle-carrier/p/AMC-400L/?gclid=EAIaIQobChMIiImH9MyM6gIVT9bACh0ingujEAQYA...
by peetsperk
Sat Jun 27, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Independant contract offer, what am I missing?
Replies: 21
Views: 1527

Re: Independant contract offer, what am I missing?

I would also check with an accountant regarding which Independent Contractor expenses are deductible (if you itemize), and which are not. As I recall, there have been some changes within the last few years. Good luck!
by peetsperk
Fri Jun 26, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: How I learned to love my low yield emergency fund
Replies: 53
Views: 6456

Re: How I learned to love my low yield emergency fund

I think you make some good points Desertman. For many, I'm not sure there is a better example why one might need an emergency fund than what 40 million Americans have experienced in the last 90 days. And who knows what the next few months will bring. I'm not one who believes the job of an emergency ...
by peetsperk
Wed Jun 24, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Pros and Cons of Male vs. Mixte vs. Female Bike Frames
Replies: 19
Views: 1441

Re: Pros and Cons of Male vs. Mixte vs. Female Bike Frames

I'm 62-year-old male and my new Biktrix step-thru is being delivered today. Can't wait!
by peetsperk
Wed Jun 24, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: Taleb: The coronavirus is not a black swan.
Replies: 81
Views: 7907

Re: Taleb: The coronavirus is not a black swan.

Oh brother. I just hate all of this semantic hair splitting. The recent pandemic caused much of the world economy to just shut down. I don't know, a sort of a dark shade of gray swan? We have white swans, black swans, and kind of, sort of, well, you know, maybe, like, a maybe sort of shade of grey ...
by peetsperk
Tue Jun 23, 2020 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Help: Severance Package Concern - Update #4 and Thank you All
Replies: 97
Views: 7850

Re: HELP: Severance Package Concern

If I were in your situation I would not meet with the Company's HR person tomorrow. I don't believe any good can come from that meeting. In all likelihood, the person you're meeting with will not have the authority to amend the offer. Instead, I would courteously cancel the meeting while also lettin...
by peetsperk
Mon Jun 22, 2020 12:47 pm
Forum: Personal Investments
Topic: Life Strategy Funds
Replies: 12
Views: 1109

Re: Life Strategy Funds

I own some LifeStrategy Conservative Growth Fund. Costs are low and diversification broad. For me, the biggest LifeStrategy negative is the international equity allocation (40% of total equities) is higher than I desire.
by peetsperk
Sat Jun 20, 2020 12:57 am
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1747

Re: Refrigerator Input...

This is not the first thread to mention this problem. In fact, you can find many references on-line to this very same issue. People have damaged wood floors from leaks and nightmares trying to get satisfaction from refrigerator manufacturers like LG and Samsung. In fact, I had an independent applian...
by peetsperk
Thu Jun 18, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8360

Re: E-Bike recommendations

Everyone and their brother is making e-bikes. I don't know a single major bike company that doesn't have at least one e-bike in their lineup now. Then there are all the direct to consumer companies out there. Each have their pluses and minuses. For me, I just bought a Biktrix (www.biktrix.com) Ultr...
by peetsperk
Thu Jun 18, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 118
Views: 11078

Re: Capital One is at it again

I"ve said it once and I'll say it again, based on my experience, Capital One is not a quality company. I'm glad I kicked them to the curb in 2014!
by peetsperk
Wed Jun 17, 2020 1:50 am
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance?
Replies: 146
Views: 7637

Re: How much umbrella insurance?

Thank Mordochs.
by peetsperk
Wed Jun 17, 2020 1:34 am
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance?
Replies: 146
Views: 7637

Re: How much umbrella insurance?

Is it possible that a large umbrella policy may also act as an incentive for a plaintiff attorney to sue a defendant? I ask this based on my own experience. A family member was severely injured by a negligent driver. Among the first things our attorney did was try to determine if the defendant had a...
by peetsperk
Wed Jun 17, 2020 1:13 am
Forum: Personal Investments
Topic: Where do you put your insurance/travel savings
Replies: 11
Views: 742

Re: Where do you put your insurance/travel savings

I do not keep that type of savings in an investment account. Instead, my credit union allows me to have up to 10 sub-savings accounts that I have access to on-line. I contribute various amounts to these sub-accounts each month and withdraw money as needed for their intended purpose. My sub-accounts ...
by peetsperk
Tue Jun 16, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance?
Replies: 146
Views: 7637

Re: How much umbrella insurance?

Seems like you are in the ballpark. The annual premium in Iowa for $1M runs about $200, $2M for $300. Rates assume you have required auto and homeowner liability coverage already in place.
by peetsperk
Mon Jun 15, 2020 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan finance recommendations
Replies: 19
Views: 1267

Re: Auto loan finance recommendations

We’re weird, but we don’t borrow money to purchase a depreciating asset. Sorry.
by peetsperk
Sat Jun 06, 2020 1:19 am
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 68
Views: 5486

Re: Anyone booking flights for 2021 travel?

nope definately not flying until there is a vaccine with mandate for everyone to take it. If there is a vaccine quickly developed, I will not be the guinea pig for it. I would rather just keep wearing a mask in public for a while longer. I agree 100% We want a vaccine developed quickly but then won...
by peetsperk
Tue May 26, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Insurance
Replies: 40
Views: 2073

Re: Switching Insurance

As Clark Howard frequently discusses on his radio show, these days insurance companies will raise rates more on loyal customers. They have learned people who are loyal are less likely to switch insurance companies even when they receive higher than average increases. For large insurance companies br...
by peetsperk
Tue May 26, 2020 8:39 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard's money where its mouth is?
Replies: 21
Views: 1955

Re: Is Vanguard's money where its mouth is?

Not sure I understand your point. How would savings on executive compensation at Company A further reduce Vanguard's expense ratio?
by peetsperk
Fri May 22, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Venture would not forgive annual fee
Replies: 37
Views: 2418

Re: CapitalOne Venture would not forgive annual fee

I think you're better off without CapitalOne in your life. Based on my experience, this is not a quality company. I'm glad I kicked them to the curb in 2014. :beer
by peetsperk
Mon May 18, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell question
Replies: 11
Views: 1144

Re: Ring video doorbell question

You might want to do some homework on other video doorbells as well. Ring has a number of competitors that make excellent alternatives. We recently installed a Eufy. Love their system. Especially like the fact that Eufy includes video storage capability so you don't need to pay a monthly cloud stora...
by peetsperk
Sat May 16, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6602

Re: How to get disinfecting wipes..seriously

There are numerous Youtube videos on how to make DYI disinfecting wipes using paper towels. I cut a roll of high-quality paper towels (Scott's Shop Towels) in half and place in a plastic coffee container with a hole cut in the top. I pour Lysol Disinfecting liquid diluted per label directions over t...
by peetsperk
Sat May 09, 2020 11:18 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 3018

Re: Thank you, moderators!

Ditto
by peetsperk
Wed Apr 29, 2020 11:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11245

Re: Anyone wish they would have invested more during recent downturn?

Nope! To quote Jeremy Irons in Margin Call, "That is spilt milk under the bridge."
by peetsperk
Fri Apr 24, 2020 11:50 am
Forum: Investing - Theory, News & General
Topic: [Jim Cramer] "Stop Buying Index Funds"
Replies: 37
Views: 6178

Re: [Jim Cramer] "Stop Buying Index Funds"

My favorite Jim Cramer quote - Index funds are ruining our industry! It tells you everything you need to understand about Jim Cramer and CNBC.
by peetsperk
Sat Apr 18, 2020 12:17 am
Forum: Investing - Theory, News & General
Topic: Retirees: what are you doing with all the home equity?
Replies: 117
Views: 7649

Re: Retirees: what are you doing with all the home equity?

Have not done anything differently. House is paid for. Retired in July 2020. Have never included the value of our house in any retirement calculations. Would never want to borrow against it unless we were in dire circumstances.
by peetsperk
Thu Apr 16, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 21331

Re: What are you doing for haircuts due to coronavirus shutdown?

I bought a Wahl clipper about 4 weeks ago. My wife cut my hair for the first time approximately 2 weeks ago. She used a #2 guard all over just like my barber would have. When she was finished, I felt like a new man.
by peetsperk
Wed Apr 01, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13758

Re: Safest way to get food

Please read the notice at the top of the Boglehead site before posting on coronavirus/COVID-19. This topic does not have a financial component as now required.
by peetsperk
Thu Mar 26, 2020 8:25 pm
Forum: Personal Investments
Topic: Now the time to buy Inflation Protected Bond Fund?
Replies: 30
Views: 2798

Re: Now the time to buy Inflation Protected Bond Fund?

To answer your question, no. Why? See #5. Bogleheads Principles 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay th...
by peetsperk
Fri Feb 21, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3572

Re: How frequently do you change passwords, NOT what password manager do you use

Unless forced to do so otherwise, I change my passwords annually and it's done at the same time every year. I also take that opportunity to update my list of passwords that's kept in our safety deposit box in the event of my passing.
by peetsperk
Tue Feb 18, 2020 12:43 am
Forum: Personal Investments
Topic: Portfolio Review 2020 Feb
Replies: 5
Views: 810

Re: Portfolio Review 2020 Feb

Bumping this in hopes additional qualified help can come your way. Best regards going forward.
by peetsperk
Sun Feb 09, 2020 12:43 am
Forum: Investing - Theory, News & General
Topic: What is most likely to happen to bond funds if equities suffer in coronavirus fallout?
Replies: 33
Views: 3511

Re: What is most likely to happen to bond funds if equities suffer in coronavirus fallout?

OP, Pardon my ignorance. Why do you need to change your AA in order to handle this kind of event? It is unnecessary. I have a fixed allocation to US stock, International Stock, Total Bond Market Index, and Intermediate-term treasury. I buy whatever is low in my allocation. I buy the bond now becaus...
by peetsperk
Wed Feb 05, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14786

Re: Books that changed your life

Total Money Makeover
The Little Book of Common Sense Investing
by peetsperk
Mon Jan 27, 2020 1:19 am
Forum: Investing - Theory, News & General
Topic: Global Coronavirus Pandemic
Replies: 16
Views: 2642

Re: Global Coronavirus Pandemic

The responsible thing is not to define it as a "global pandemic" (as you did in your headline) until when and if the CDC takes that very step.
by peetsperk
Fri Jan 24, 2020 5:18 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4287

Re: Happy Birthday Taylor! 96 years young!

Wishing you the happiest of birthdays Taylor.
by peetsperk
Fri Jan 24, 2020 1:37 pm
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6626

Re: New Here Wondering About Possible Market Crash

Welcome to the forum PineForest. First, you need to read The Little Book of Common Sense Investing by John (Jack) C. Bogle. He was a wise man with sage advice, including: "Nobody knows nothing" "Investors should keep their emotions the heck outta the way!" "Daily movements of the market are a tale t...
by peetsperk
Wed Jan 22, 2020 10:52 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27494

Re: Sad news: LadyGeek's husband has passed

I'm sorry to hear this news LadyGeek. Your Boglehead family will be here for you just as you have always been here for us.
by peetsperk
Fri Jan 10, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 684
Views: 21310

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

Entry into the 2020 Boglehead Contest ends in 10 minutes.
by peetsperk
Tue Jan 07, 2020 9:36 am
Forum: Personal Investments
Topic: Please review my retirement plan, thank you!
Replies: 12
Views: 1438

Re: Please review my retirement plan, thank you!

Welcome to the forum. Being you’re from Missouri, I’m going to try and “Show You” the fallacy in believing you can be a stock picker or slicer/dicer and consistently beat the market. My best advice would be to start your journey by reading John (Jack) Bogle’s The Little Book of Common Sense Investin...
by peetsperk
Sat Dec 21, 2019 12:06 am
Forum: Personal Investments
Topic: New investor
Replies: 11
Views: 580

Re: New investor

Welcome to the forum. There's lots to learn but we all started at square one. Bogleheads are here to help. Best of luck.
by peetsperk
Tue Dec 10, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: [Paul Volcker RIP]
Replies: 19
Views: 1893

Re: [Paul Volcker RIP]

I was fortunate to see Paul Volcker speak during his first term as chairman of the Federal Reserve System. His speech, Dealing with Inflation: Obstacles and Opportunities , was delivered on April 15, 1981, and is still a lasting memory for me to this day. The link to the transcript is included below...
by peetsperk
Fri Dec 06, 2019 1:45 am
Forum: Personal Investments
Topic: Newbie Investor (need portfolio advice please)
Replies: 20
Views: 909

Re: Newbie Investor (need portfolio advice please)

sailorjerms: Welcome to the forum. Continue following Dave's direction for getting out of debt . He's not popular here but it's proven to work for many, many people. My wife and I count ourselves as beneficiaries. I would follow steps 1, 2 and 3. When it comes to investing, my recommendation would b...
by peetsperk
Wed Dec 04, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Monovision contacts?
Replies: 23
Views: 1514

Re: Monovision contacts?

So glad my eye doctor recommended I try monovision approximately 10 years ago. I adjusted to it almost immediately. I wear one contact in my left eye for driving and nothing in my right eye for reading. Never think about it. A perfect solution for me. Best of luck to you.
by peetsperk
Sat Nov 23, 2019 12:42 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 428
Views: 71049

Re: Roll Call for the Retirement Class of 2019!

Congratulations to all of the most recent members of the Retirement Class of 2019. And oh what a class it is! :sharebeer