Search found 59 matches

by Every things free
Tue Aug 04, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 134
Views: 5552

Re: What Car Maintenance Do You Do?

I do nothing.
I haven't done anything for 20+ years.
When the warranty expires I trade in.
My dealer loves my low mileage, smoke free trade in.
I usually get something new with all the upgrades for $3K-$4k.
It's a luxury I afford myself.
I live in Colorado and drive a new Subaru.

Kim
by Every things free
Wed Jul 29, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14823

Re: Books that changed your life

I'm always reading.
Whatever I'm currently reading is the best.

Of course the best of the best will always be the Bible.
It's beyond a book....it's alive.

Kim
by Every things free
Thu Jul 23, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Who's tested for Radon? Who's mitigated?
Replies: 29
Views: 1915

Re: Who's tested for Radon? Who's mitigated?

I mitigated this year. Before mitigation the radon levels were high. After mitigation the are levels are low.
I gave me piece of mind and increased the value of my house.
It was both a financial and heath improvement.

Kim
by Every things free
Wed Jun 17, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2480

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

No, I would not buy it.
When you buy and old tractor you get and old tractor.
Spend your money on something newer and better suited for your needs.
"Sandtrap" had a lot of good suggestions. He's a smart guy!

Kim
by Every things free
Fri May 08, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: Moshe Milevsky Morningstar Podcast
Replies: 2
Views: 334

Re: Moshe Milevsky Morningstar Podcast

I listen to all Morningstar podcasts.The Moshe Milevsky interview was excellent.

Kim
by Every things free
Mon Apr 13, 2020 12:32 pm
Forum: Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 139
Views: 30705

Re: Who uses the 3 fund portfolio ?

Pure 3 fund portfolio here.

Kim

Thank you Taylor
by Every things free
Mon Apr 06, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 41697

Re: How Much in Your Emergency Fund And Is It Used?

I'm in the "cash reserves" camp not "emergency fund" camp. It's 5 figures. I don't allow to to get too fat and I don't allow it to get to lazy. I'll use it for whatever appears, maybe an emergency or maybe an opportunity. It also gives me exercise. I'll use it and then replenish it. It's home is Van...
by Every things free
Mon Apr 06, 2020 11:35 am
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11295

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

1. Tax loss harvested on my International Stock Fund.
2. Accumulating all extra money for U.S. stock market purchase.
3. Staying home and being frugal.

Kim
by Every things free
Mon Mar 09, 2020 1:32 pm
Forum: Personal Investments
Topic: Good day to buy?!
Replies: 31
Views: 3612

Re: Good day to buy?!

Today was a good day for me to purchase VTSAX -Total U.S. Stock market. Someday read the book, The Witch of Wall Street. It's about a woman, Hetty Green. She taught me. Always have some extra money available for opportunities. Today was an opportunity. I'm thankful I had some extra money. Today was ...
by Every things free
Sun Mar 01, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 26027

Re: [Why aren't forum members following the "Stay the course" approach?]

A correction is both normal and healthy.
Don't panic.
Stay the course.
Patience brings blessings.

Kim
by Every things free
Sat Jan 25, 2020 5:04 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4289

Re: Happy Birthday Taylor! 96 years young!

Thank you Taylor for everything. Best wishes on your birthday.
by Every things free
Thu Jan 23, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 69619

Re: Larry Swedroe says "Goodbye."

Thank you Larry for helping us.
by Every things free
Thu Jan 23, 2020 8:47 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27498

Re: Sad news: LadyGeek's husband has passed

Thank you for sharing.
by Every things free
Thu Dec 26, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 130
Views: 9842

Re: What is the rationale for cash in your portfolio?

Sometime ago a Boglehead recommended a book. It was, The Witch of Wall Street. It was about a woman, Hetty Green. Get it, read it. She taught me why to have cash/cash equivalents available.
Kim
by Every things free
Mon Dec 09, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 62
Views: 19267

Re: Tree roots growing into sewer lines

Sewer lines are failing every where....and will continue. Band aids don't solve problems. Replace the sewer line with schedule 40 pipe. Compact the dirt under the pipe to minimize future pipe sag. Install a clean out within 5' of your house. You've corrected the problem for the next 3 generations of...
by Every things free
Thu Oct 03, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: high toilet
Replies: 33
Views: 3641

Re: high toilet

The high toilet won't be a problem with your wastewater (septic) system. Just get one with a low gal./flush usage.
Kim
by Every things free
Tue Sep 17, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 5106

Re: Seasoned retirees...

I'm with Dan Mahowny,
Find two hobbies: One to make you money.
One to keep you in shape.
by Every things free
Mon Aug 12, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 41
Views: 3746

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

I live in the city limits of Durango. What can I say?
Someone mentioned a problem with our airport. I've been all over the world. It all began at our airport.
Write me if you want the skinny on this place.

Kind regards,
Kim
by Every things free
Tue Jul 02, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6976

Re: Are you a serious DIYer?

I stay away from 2 things, concrete and roofing. Everything else I'm up to.

This year I got a contractors license so I can design,install and repair wastewater systems(septic). I also got licensed to test soil for those systems. Those were new things I had no knowledge of.
by Every things free
Tue May 28, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12533

Re: House not selling

Many good posts for you and others to consider. In the last 18 months I have sold 9 properties. They were single family houses I had as rentals for years. Once listed all had contracts from 1 day to 2 weeks. All closed in a timely manner. There were 2 key components to the transfer of ownership. 1. ...
by Every things free
Mon May 06, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Diversifying beyond stock and bonds
Replies: 19
Views: 1997

Re: Diversifying beyond stock and bonds

My diversity strategy involves investing in myself. I am my greatest asset. Recently I've taken classes to be licensed and certified in a new field for me. It's also a needed field for our community and statewide area. I will continue to work, serve and make money. I'm not a dinosaur. I'm a tree. I ...
by Every things free
Mon Apr 29, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 10709

Re: EXTREMELY frugal things from our parents and grandparents

I grew up in the cold of North Dakota. Lots of ketchup sandwiches. Simply white bread with ketchup.
Kim
by Every things free
Mon Apr 15, 2019 3:38 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 87
Views: 12055

Re: $1.1 million rental portfolio, but tired of being a landlord

Somewhat similar situation here.
I've sold 9 single family rental houses in the last 24 months.
Why? To reduce stress and maintain personal health. I'm striving for simplicity in all my affairs. When I was younger it didn't matter.
It does now.

Kim
by Every things free
Sat Mar 30, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 57459

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I have a board of directors I get advice from. None have charged me a fee. Each has taught me a valuable lesson. My financial advisers are: J.D Rockefeller J.P.Morgan Andrew Carnegie Hetty Green Jack Bogle Warren Buffet Daniel Lapin Elon Musk Charlie Munger Jeff Bezos Richard Branson Bill Gates and ...
by Every things free
Sun Mar 24, 2019 8:07 pm
Forum: Personal Investments
Topic: What would be your perfect personal bond allocation
Replies: 15
Views: 1339

Re: What would be your perfect personal bond allocation

Lots of solid advice from others. What's fun about investing is you get to pick. I like bonds. Bonds like me. I like getting paid monthly. My bonds provide a moat for my stocks. My bond allocation is always at 40%-50% of my total portfolio. I'm focusing on 2 funds. VWIUX- Vanguard Intermediate-Term ...
by Every things free
Thu Mar 21, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7750

Re: How to buy a mattress

I recently purchased a mattress and frame. I considered it one of the most complicated purchases ever. So many opinions, choices and prices as you've noticed reading the Bogleheads. I got my new mattress and frame and noticed after several nights sleep my back,neck and spine popped,cracked and reali...
by Every things free
Wed Mar 13, 2019 8:58 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6316

Re: Can i rely on rental property?

I have. For 35 years mine have paid for all my bills, 30+ ocean cruises and a healthy portfolio of stocks and bonds. My brother has 4 rentals and seldom has a vacancy.
Kim
by Every things free
Wed Mar 13, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3885

Re: What time do you start your day?

At 5:30 am I was at the rec.center swimming. It's a beautiful warm pool. When I arrived the parking lot was already packed.
Very impressed considering it was pouring snow.
Kim
by Every things free
Thu Mar 07, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Guest Mike Piper on "Bogleheads on Investing" podcast talking Social Security
Replies: 17
Views: 5291

Re: Guest Mike Piper on "Bogleheads on Investing" podcast talking Social Security

I am most grateful for having this knowledge available. It has helped me plan and implement the strategy best suited for me.

Kim
by Every things free
Sun Mar 03, 2019 9:12 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2745

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Dealing with Treasury Direct after getting hit by a bus. My thoughts also. I've dealt with TD for years. No more. As a moat to protect my other investments I went with VWIUX and VBTLX. Back to the bus. My 80+ year old grandmother was boarding a city bus in Buffalo years ago. The door closed on her c...
by Every things free
Wed Feb 27, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 2262

Re: Suggestion on high ceiling condo heat issues

I have ceiling fans in all our rooms. They circulate dust and are noisy. I never use them. I consider them dinosaurs. Consider adding a simple, low cost heat source. ConvectAir makes a unit that works. I believe they're manufactured in Montreal, Canada. The heater is 110 volt, no fan, no noise. It a...
by Every things free
Wed Feb 27, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8579

Re: thinking about un-retiring

There are at least 50 turkey vultures. They arrive in early spring and leave late fall. They all live in 2 giant willow trees. Early morning as the air heats they begin their upward soar. It's a great sight to see. My neighbor has been working there for the past 7 years. He's a seasonal worker. He w...
by Every things free
Sun Feb 24, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8579

Re: thinking about un-retiring

My neighbor who is 69 yrs. old believes one should never retire. He believes a person should always contribute to others in some way or another. After years in corporate America he found satisfying work caring for 42 acres of trees and grass in our city. On the property he encounters deer, squirrels...
by Every things free
Wed Feb 20, 2019 2:57 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 4593

Re: Do you discuss BH philosophy with others?

I'd like to share the BH philosophy and help if I can. But, as others have posted, I need to be very discerning sharing my thoughts.
by Every things free
Tue Feb 19, 2019 1:42 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 11286

Re: How many bogleheads do you know in real life?

I've never met a Boglehead in person. Maybe someday I hope.
by Every things free
Sun Feb 17, 2019 1:12 pm
Forum: Personal Investments
Topic: Help - keep rental or sell and put in reit fund?
Replies: 12
Views: 765

Re: keep rental or sell and put in reit fund

Mentally we like the idea of keeping it. Logically it doesn't make much sense. Your question is good. Your'e thinking is good. The numbers are talking to you. Your grey cells are working. I can't advise you but consider adding 2 things to your thinking. 1. Every things for sale. Sooner or later your...
by Every things free
Sat Feb 16, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5659
Views: 1369064

Re: What Movie Have You Recently Watched?

The Red Violin. It's on Netflix. I remember seeing it years and years ago on a cruise ship. It's really good.
by Every things free
Fri Feb 15, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What business did you sell?
Replies: 10
Views: 1162

Re: What business did you sell?

I never purchased a business but started and sold many. I started in my 20's as an elementary school teacher. I loved it but after 3 years I realized I couldn't make any money. So I resigned and became a business person The first business I built up and sold was a janitorial business in Denver. 100 ...
by Every things free
Thu Feb 14, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4512
Views: 1264824

Re: What Book Are You Currently Reading? Part VI

Since Oct.2018 19 books.
Just finished The Undoing Project by Michael Lewis and Business Secrets From the Bible by Daniel Lapin.
I'm encouraged to see all the readers.
by Every things free
Thu Feb 14, 2019 2:00 pm
Forum: Personal Investments
Topic: Muni Bonds for large part of Bond allocation smart?
Replies: 32
Views: 4533

Re: Muni Bonds for large part of Bond allocation smart?

Municipal bonds,VWIUX, are a large part of my bond portfolio. I add to them monthly. They're in my taxable account. I could live for many years off these bonds. They'll be the first money I'll access when needed. If needed. I read the post by Yogesh. He mentioned many things I agree with. One stood ...
by Every things free
Wed Feb 13, 2019 10:25 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 42501

Re: Why international?

Because it contributes to your "reliable income stream".
by Every things free
Tue Feb 12, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 36150

Re: Early retirees, how much did you leave on the table?

I've never left anything on the table because I've never left the table. I've always been self employed as my own business person. As I evolved I transitioned from one business to the next. I would build a business, sell it and transition to something more suited to where I was at in life. This past...
by Every things free
Mon Feb 11, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 8203

Re: How do I keep from becoming irrelevant

I recently read a book about artificial intelligence. The author claimed within the next 30 years 40% of current jobs will become obsolete. Many will rightfully worry about becoming obsolete. He mentioned a greater worry. That of becoming irrelevant. When you no longer feel needed it will affect you...
by Every things free
Sun Feb 10, 2019 8:58 am
Forum: Personal Investments
Topic: Alternatives to Total International Stock Index Fund for international investing
Replies: 22
Views: 3875

Re: Alternatives to Total International Stock Index Fund for international investing

Consider VEMAX. I like the exposure it has to the emerging markets of the world...China, India etc.
by Every things free
Fri Feb 08, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Describe doing new car purchase paperwork when you collect the car
Replies: 30
Views: 1781

Re: Describe doing new car purchase paperwork when you collect the car

Just purchased a new car last week. Our dealership has a woman who did the paperwork. It took a mere 6 minutes for the paperwork. Copied our drivers licenses. Reviewed the sales contract line by line. Signed off on a few papers ie: no accidents, correct mileage on trade in, waived extended warranty ...
by Every things free
Fri Feb 08, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 477
Views: 61489

Re: What lifestyle creep made you happier?

Nicer shoes. Setting aside more time to read books.
by Every things free
Thu Feb 07, 2019 12:07 pm
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 117
Views: 22988

Re: Opinion on VTWAX

VTWAX is a very good choice. I agree with the others who posted.
by Every things free
Tue Feb 05, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 115
Views: 10054

Re: If you are old, why bother with rebalancing!!?

Why bother rebalancing? I recently read a book where the author boldly projected that 80% of what we presently know about finances will be obsolete in 20 years. There will new products, strategies etc. bought on by man and artificial intelligence. His encouragement was, never stop learning! So today...
by Every things free
Tue Feb 05, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 14644

Re: What do you think are (some of) the best states to live in?

I happen to live in the Rocky Mountains. Our town sits at the base of 3 mountain valleys. Each day clean, fresh, crisp air flows down the valleys to us. It's very special. I'm very thankful.
Why am I aware of how special clean air is? I traveled to China and India and breathed filthy air.

Kim
by Every things free
Tue Feb 05, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173175

Re: What frugal thing did you do today?

Home made foot insoles. I needed leather and cork. Thrift store. Found a woman's leather long coat. Enough leather forever. $10. Home Depot. Roll of cork with sticky backing. $4. I traced out my insoles on the leather and cork. Stuck them together. Walaha. Best insoles ever. Form fitted to my feet. ...