Search found 134 matches

by dccboone
Wed Jan 16, 2019 11:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 851
Views: 44233

Re: John Bogle has died at age 89

Thanks for everything Jack. You changed my life. You changed my family's life. You are my hero. Your job is done, but your legacy will on. Rest in peace.
by dccboone
Sat Dec 22, 2018 4:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11189

Re: My Christmas Present To You

Merry Christmas Taylor to you and yours.
by dccboone
Fri Dec 14, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5407

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

I’m compelled to weigh-in on this sanitary discussion. First, as a marketing professional who lived in Cincinnati, I can tell you P&G likes to sell air and water whenever possible. You may have been told the “quilted pillows” on bathroom tissue or paper towels were for softness or absorbency, but th...
by dccboone
Sat Dec 08, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7323

Re: "The 10 Worst Places To Get Investing Advice"

16. Dave Ramsey and his Endorsed Local Providers now known as Smartvestors - Dave is great when it comes to budgets and helping people save more for retirement. He helped us save more than we ever dreamed. But his investment ELP's love to sell funds with both front-end and/or back-end loads. If Dave...
by dccboone
Fri Nov 30, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

All work and no play makes AndroAsc a dull boy.
by dccboone
Tue Nov 20, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2743

Re: Inflation

Anyone who regularly purchases groceries can attest to the frequent practice of many manufacturers to reduce package sizes while maintaining current pricing levels. One only needs to look at Frito Lay chips, Nabisco crackers or Kellogg's cereals to see examples of this common marketing practice. Que...
by dccboone
Tue Nov 06, 2018 12:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 164
Views: 20653

Re: Roll Call for the Retirement Class of 2019!

Count me in as another 62 year old member of the Jan 15 club! Many thanks to the Bogleheads who helped me clarify my thinking and validate that I really can do this - those who responded directly to my questions and the many more who posted invaluable resources here for me to learn from. I am in yo...
by dccboone
Wed Oct 31, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1695

Re: Anybody use CenturyLink for internet service?

We use Centurylink just for internet access. Have been paying $49.99 (including tax). Service is ok and we have no data cap that I'm aware of. We currently utilize Hulu with Live TV in addition to Netflix and have occasional buffering issues. I stay with Centurylink because we have no other reasonab...
by dccboone
Tue Oct 30, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: Should we discourage the bond tent?
Replies: 53
Views: 4355

Re: Should we discourage the bond tent?

1) I don't think we should "encourage" or "discourage" the use of anything unless there's really clear or compelling evidence. Pretty much nothing about retirement savings glide paths is clear or compelling. The data since 1926 only gives us three non-overlapping thirty-year periods to look at, and...
by dccboone
Sun Oct 28, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 5032

Re: Are you too wealthy for a LIQUID emergency fund?

Are you too wealthy for a LIQUID emergency fund? No, we are not. We keep an Emergency Fund equal to 6-months of expenses. Three months is kept in a savings account and three months is kept in LifeStrategy Income Fund and can be accessed within 3 days. And, we only spend it on an emergency - an unex...
by dccboone
Mon Oct 22, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1404

Re: Hulu & NBC

We have been using Hulu with Live TV for about 90 days. If you are a fan of the NFL, it really leaves much to be desired. Frequently games that are supposed to be available in our area cannot be seen. And like you, Sunday night NFL games cannot be seen either. To solve the NBC NFL Sunday night probl...
by dccboone
Mon Oct 15, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5113

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this :sharebeer There are a lot of these kind of errors floating around VG that aren’t around blackrock, fidelity, schwab, etc... Are you expressing an opinion or do you have facts to support your statement?
by dccboone
Fri Oct 12, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 5227

Re: Is it worth filing FAFSA even if you know you'll get nothing?

I would not assume it is required by the college or university. Ask first. We filled it out when my daughter was a freshman. Never did it again for her or my son and neither school required it. If you are not planning on student loans and you know you do not qualify for other student aid, I would no...
by dccboone
Thu Oct 11, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3311

Re: Budget Coffee

Jazzysoon wrote:
Thu Oct 11, 2018 4:17 pm
Peets Major Dickasons - Target usually has it on sale for 7.99/12 oz. Roasted date printed on front of bag.
+1
Love this coffee! One of the few things I splurge on. Pay $12.58 for 20 oz. bag from Amazon.
by dccboone
Mon Oct 08, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13225

Re: What purchase saved you the most money?

Above all else, there are 3 things that have saved us untold thousands of dollars. In addition to Jack's "Little Book on Common Sense Investing", they are Financial Peace University and Vanguard.
by dccboone
Mon Oct 08, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13225

Re: What purchase saved you the most money?

Sandtrap wrote:
Thu Oct 04, 2018 11:00 pm
'The Little Book on Common Sense Investing" by J. Bogle.
Worth every penny.
Bought for $15
Saved me at least 10 million percent of that.
+1
by dccboone
Sat Oct 06, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10255

Re: What is your annual cost for health insurance?

Employer Plan
Annual cost- $18,417 ($1,534.78 per month)
Family Policy
Deductible - $1,000 per person /$2,500 for family
by dccboone
Thu Oct 04, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 14184

Re: Correlation between the FIRE movement and one of the greatest bull markets

The short answer is I don’t know. In fact, there is much I don’t know about FIRE. For example, how prevalent is this movement? Bogleheads and regular visitors to Mr. Money Mustache are certainly aware. However, I have not personally heard it reference by anyone socially or in a work environment. Do...
by dccboone
Thu Oct 04, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6493

Re: [CNBC article: Don't expect to retire at 70]

I don't believe it changes the conclusion either way. As one who has just crossed into that time of life, whether one's life expectancy is age 76 or 83, I believe many people will see their time remaining as very limited. We can quibble about the correct life expectancy the author should have used, ...
by dccboone
Thu Oct 04, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 14184

Re: Correlation between the FIRE movement and one of the greatest bull markets

The short answer is I don’t know. In fact, there is much I don’t know about FIRE. For example, how prevalent is this movement? Bogleheads and regular visitors to Mr. Money Mustache are certainly aware. However, I have not personally heard it reference by anyone socially or in a work environment. Doe...
by dccboone
Sun Sep 30, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1672

Re: Retirement Now or Wait

13.1Runner - Do you know what percent of your portfolio is in equities and what percent is in fixed income like bonds, money market, cash etc.?
by dccboone
Sun Sep 30, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3695

Re: Help me manage my day to day bills to save more!!

Your expenses seem normal but as they say, "the devil is in the details." If you want to reduce debt and save, you should consider something like Dave Ramsey's Total Money Makeover. His Financial Peace class is well worth the low cost. We have followed his budget guidelines since 2012 and saved more...
by dccboone
Mon Sep 24, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7807

Re: Best way to get $100k cash

This may help you pay off your mortgage 3 to 6 months early: (1) If you have an Emergency Fund, and (2) it includes 3 to 6 months of expenses, and (3) those expenses include money for your mortgage, then ... When you are within 3 to 6 months of paying off your home, take the money from your Emergenc...
by dccboone
Sun Sep 23, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Care About My Credit Score if Debt Free?
Replies: 34
Views: 2634

Re: Should I Care About My Credit Score if Debt Free?

Whether you care about your credit score or not, your credit score will continue to be an important part of your life — even if you are not applying for loans. Check your credit reports and your credit scores often. Check for fraud. Check for mistakes. Be aware of how the way you have chosen to liv...
by dccboone
Sun Sep 23, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Care About My Credit Score if Debt Free?
Replies: 34
Views: 2634

Re: Should I Care About My Credit Score if Debt Free?

Whether you care about your credit score or not, your credit score will continue to be an important part of your life — even if you are not applying for loans. Check your credit reports and your credit scores often. Check for fraud. Check for mistakes. Be aware of how the way you have chosen to liv...
by dccboone
Thu Sep 20, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Morningstar free "Portfolio Makeover"
Replies: 5
Views: 825

Re: Morningstar free "Portfolio Makeover"

Shoot, we do Portfolio Makeovers all the time here at Bogleheads. I see Money Magazine do these as well. We didn't see it as competition for the good work done by Bogleheads nedsaid. It was simply an opportunity to get another informed point-of-view by someone I believe is well respected in this co...
by dccboone
Thu Sep 20, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Morningstar free "Portfolio Makeover"
Replies: 5
Views: 825

Re: Morningstar free "Portfolio Makeover"

We submitted our information a few years ago and were one of the five selected. We enjoyed the opportunity to work with Christine Benz and we appreciated her thoughts and recommendations. In addition, she takes great care in changing all of your personal information so no one will ever know your tru...
by dccboone
Wed Sep 19, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9578

Re: Physical Banking - Any benefits anymore?

Like many, I do most of my banking and bill paying online through my local credit union. However, I also visit their branch that's only a few blocks from our home at least once a week to make deposits and the like. I know most of the folks that work there on a first name basis and they couldn't be m...
by dccboone
Wed Sep 19, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Philanthropy 101
Replies: 13
Views: 913

Re: Philanthropy 101

I believe you want to learn more about a donor-advised fund with check writing capabilities.
by dccboone
Tue Sep 18, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26013

Re: What is your single most expensive mistake?

In 2012 my wife and I started following Dave Ramsey’s Baby Steps. It's still one of the best things we’ve ever done. We didn’t have much debt at the time, but it helped us save like never before and eventually reach our retirement savings goal. However, we should have stopped reading Dave’s book bef...
by dccboone
Tue Sep 18, 2018 7:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 164
Views: 20653

Re: Roll Call for the Retirement Class of 2019!

Please add me to the Class of 2019. I've set the date and cannot wait - Friday, September 27th. Will be 62. Welcome to this Class dccboone! "Set the date and cannot wait" - say it over and over again :D Tell the boss - thanks for the pay and the 401k. But I'm outta here :D Thank you Miriam2!
by dccboone
Wed Sep 12, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 8891

Re: Why do we expect TSM to keep growing?

I hope for some growth over time. Either way, I’m just along for the ride. :D
by dccboone
Mon Sep 10, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8922

Re: Can Sneakers go with Business Casual?

If you have to ask, the answer is usually no. As my first boss told me, it's always better to be overdressed than underdressed. And it's ALWAYS better to be early rather than late.
by dccboone
Wed Sep 05, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 31
Views: 2919

Re: Fee only Financial planners

In some ways, our experience was similar. In others very different. In 2016 we went in search of a fiduciary to help us develop a comprehensive retirement plan. While we had our own plan, this was really an opportunity for a second opinion. Within our Midwestern state, we were able to find eight tru...
by dccboone
Wed Sep 05, 2018 3:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 164
Views: 20653

Re: Roll Call for the Retirement Class of 2019!

jazman12 wrote:
Wed Sep 05, 2018 10:25 am
December 31st 2018... officially out of the game!
jazman12 - Welcome to the class of 2019. I guess your retirement date makes you an in-betweener. Congratulations!
by dccboone
Wed Sep 05, 2018 10:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 164
Views: 20653

Re: Roll Call for the Retirement Class of 2019!

Please add me to the Class of 2019. I've set the date and cannot wait - Friday, September 27th. Will be 62.
by dccboone
Tue Sep 04, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6914

Re: Emergency fund size

For those with a mortgage, something you may want to consider. If your Emergency Fund includes 3 to 6 months of expenses and those expenses include money for your mortgage, when you’re close to paying off your home, take the money from your Emergency Fund that’s set aside for your mortgage and pay y...
by dccboone
Tue Sep 04, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1678

Re: Types of seed for new lawn or sod?

Anyone who has shopped recently for grass seed may have noticed many national brands now include a coating on their seed. I thought this was interesting from Consumers Digest. "A water-absorbing coating now is found in all-in-one and traditional grass-seed products. Scotts includes a water-absorbing...
by dccboone
Sun Sep 02, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1182

Re: Do you take advantage of all identity monitoring offers?

No we do not. For your consideration, answer a simple question. What would you do if credit monitoring indicated your personal information was being used to open multiple accounts or was being sold on the "dark web"? We would immediately freeze our credit. And that's exactly what we did.
by dccboone
Thu Aug 30, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Terminated, Can't Reinstate
Replies: 11
Views: 2012

Re: Health Insurance Terminated, Can't Reinstate

I have a question for the OP that I'm curious about. Since the first of the year, did you receive any notification in the mail that your insurance was going to be cancelled?
by dccboone
Thu Aug 30, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 10708

Re: How do you save money on groceries?

It sounds like you are doing many things right. There are two things we always do to manage our grocery expenses. First, we establish a monthly budget. Second, we pay cash for our groceries. Together, those two things will help reduce monthly food expenditures. Good luck!
by dccboone
Wed Aug 29, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 133
Views: 10464

Re: Vanguard loses its soul with new website

... Vanguard’s new website has a stimulating, bright white background color, which is shown to encourage activity (and why “Dark Mode” was introduced to various operating systems, so we may get some sleep at night). When focusing on investing for retirement, I do not want to be stimulated into maki...
by dccboone
Fri Aug 24, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8088

Re: I still use cash not credit cards should I reconsider?

Are we going to beat this dead horse again? I guess we are. :(
by dccboone
Thu Aug 23, 2018 8:45 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 2949

Re: Rating system for posts/posters ?

Tdubs wrote:
Thu Aug 23, 2018 8:18 am
Leave it be. I'm amazed at the civility of this forum and the fair treatment of viewpoints. Your comments rise or fall based on your persuasive arguments, sound advice, and use of evidence. We don't need a star system.

Treat all posters as equals, even if we aren't.
+1
by dccboone
Mon Aug 20, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1972

Re: Cell phone insurance

You might want to check with your homeowner's insurance agent. We pay about $50 per year for a mobile phone rider that pays replacement value if a phone is lost or damaged. Given the price of a new mobile phone and the number of times our teenagers damaged their phone, it seems more than reasonable ...
by dccboone
Mon Aug 20, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Question from an FA
Replies: 12
Views: 1406

Re: Question from an FA

I believe the answer is simple. Become a fiduciary. Act only in the best interest of your clients. There is a huge need and you will have an important point-of-difference as compared to most other financial advisors. Hope this helps.
by dccboone
Mon Aug 20, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3630

Re: Another reason to be wary of international stocks...

I think you should consider renaming your thread “Another Reason to be Wary of CNBC.” I don’t take investment advice from CNBC for one very simple reason – I’m not their primary customer and neither are you. If you want to know who their customers are, just watch which companies are their most frequ...
by dccboone
Fri Aug 17, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6271

Re: Savings rate per month???

I'm 61, my wife is 58. We try to increase our retirement savings rate by 1 percentage point each year. In 2017 we saved 41% of net income and as of August 1st, we're on track to save 42% of net take-home this year. That's possible because we have no debt, live below our means, follow a monthly budge...