Search found 64 matches

by DWesterb2iz2
Sun Jul 15, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 50
Views: 5685

Re: Peloton spin bike worth the high cost?

For what it’s worth, there are articles on recreating the Peleton experience on the cheap. Here is one: https://boingboing.net/2017/04/05/diy-peloton-for-introverts.html I did this and its great - love the classes and love not having to pay the $2000 for the bike Great! I’ve been thinking about doi...
by DWesterb2iz2
Sun Jul 15, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2660

Re: Financial Newspapers & Publications

I really like the The Economist , used to have a subscription, but way too pricey today, considering the wealth of quality writing available on the 'net for free. I like The Economist and don't mind the price. My problem is that when I was receiving it, I could not stop reading it, and it was takin...
by DWesterb2iz2
Sun Jul 15, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2660

Re: Financial Newspapers & Publications

02nz wrote:
Wed Jun 27, 2018 8:58 pm
The Financial Times, IMHO the best newspaper out there.
The FT is running a huge sale this month too.

https://tinyurl.com/y73hzbn4
by DWesterb2iz2
Mon Jul 09, 2018 5:15 am
Forum: Investing - Theory, News & General
Topic: Where do you read financial news?
Replies: 44
Views: 4923

Re: Where do you read financial news?

I posted earlier in this thread that I’d let the board know if the Financial Times went on sale again. It’s having a big sale this month (July). If you live in their delivery zone, you can get the hard copy on your doorstep and ePaper online 6 days per week for under $100 per year. The digital subsc...
by DWesterb2iz2
Fri Jul 06, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 733

Re: A week in Montreal in August, advice/suggestions?

I have not been in a while, but used to go a lot. Highly recommend staying at the school for hoteliers on St. Denis. Great place to stay. Reasonable price and best breakfast ever. https://www.ithq.qc.ca/en/hotel/ Eat one meal at L’Expess up the street. Might be my favorite restaurant in North Americ...
by DWesterb2iz2
Wed Jul 04, 2018 4:42 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 116
Views: 11435

Re: Why not go 100% stocks?

These is an analogous situation described on The White Coat Investor blog. There is a great post there about 150 great, simple portfolios that I keep book marked. The first portfolio is this: Portfolio 1: The S&P 500 Portfolio 100% Vanguard S&P 500 Index Fund Don’t laugh. I know a very successful tw...
by DWesterb2iz2
Thu Jun 28, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3846

Best way to clean eyeglasses?

How do you get your glasses clean an keep them clean? Any tips appreciated. Thanks!
by DWesterb2iz2
Wed Jun 13, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Does anyone use Imperfect Produce?
Replies: 9
Views: 1169

Does anyone use Imperfect Produce?

Has anyone here subscribed to Imperfect Produce and if you have, has it been a good experience? Do you save money with it?
Thanks in advance.

https://www.imperfectproduce.com
by DWesterb2iz2
Mon Jun 11, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5333

Re: Rowing machine motivation

A trainer once told me: “The difference between a dream and a goal is that a goal has a date.”

Make a goal, use metrics (distance, time, etc) and give yourself a reasonable date to reach it. Then make another goal.
by DWesterb2iz2
Mon May 28, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 31
Views: 2178

Re: 3 days in Boston with an 8 year old

A whale watch. It’s what you will all remember from your trip, forever.

http://www.neaq.org/exhibits/whale-watch/
by DWesterb2iz2
Mon May 28, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 50
Views: 5685

Re: Peloton spin bike worth the high cost?

For what it’s worth, there are articles on recreating the Peleton experience on the cheap. Here is one:
https://boingboing.net/2017/04/05/diy-p ... verts.html
by DWesterb2iz2
Mon May 21, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Blackrock lowered fees for ESG index ETFs
Replies: 3
Views: 451

Blackrock lowered fees for ESG index ETFs

In case there are ESG Bogleheads: Blackrock has dropped the fees of their basic ESG index funds. A Three Fund ESG portfolio, 60/40, comes in at under .20.

http://www.etf.com/sections/features-an ... nopaging=1
by DWesterb2iz2
Wed May 16, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1761

Re: Audiobooks and the Overdrive App

One more library app to check out: kanopy. It seems to be a classic and Independent movie streaming site. I have three library cards and only the smallest library participated in this service. I have signed up but not used it yet.
https://www.kanopy.com
by DWesterb2iz2
Sun May 13, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1761

Re: Audiobooks and the Overdrive App

Hmmmm ... I've subscribed to Audible for years - the range of books there is fantastic, and I cherish my subscription. It's well worth $15/m. for one credit (one book a month). And, Audible has daily specials in the $3-4 range, and I usually buy one of these a month, on average. I wouldn't give up ...
by DWesterb2iz2
Sun May 13, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1761

Audiobooks and the Overdrive App

Lots of you probably know this, but the Overdrive App allows you to listen to audio books that are available to participating libraries that you have a library card for. Here is the app: https://app.overdrive.com The way it works is that libraries contract with Overdrive to offer streaming and downl...
by DWesterb2iz2
Sat May 05, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth it to dissolve this inherited annuity?
Replies: 33
Views: 2445

Re: Is it worth it to dissolve this inherited annuity?

When I switched my mom over to Vanguard from the advisor she had had for 8 years, the folks at VG advised leaving her variable annuity (Prudential) as it was, because it likely would cost money to switch. That was just a ballpark estimate. After the penalty period had lapsed (the 10 year mark), we c...
by DWesterb2iz2
Thu May 03, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8493

Re: Bucket List Adventures/Activities

A whale watch. I've only ever been on the ones off the coast of Massachusetts. Seeing humpback whales is just amazing. When people are in Boston and ask me what to do, if it's in season, I always say get down to the Aquarium and get on a boat for a whale watch.
by DWesterb2iz2
Thu May 03, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Health insurance for a couple living in 10-12 cities in the US
Replies: 14
Views: 1354

Re: Health insurance for a couple living in 10-12 cities in the US

Thanks everyone. This was incredibly helpful. In talking it over we may undertake our adventure as spokes from a main home hub, rather than leap from place to place without a central "home." I think that sounds wise for lots of reasons. Keeping one place where we have excellent insurance would serve...
by DWesterb2iz2
Wed May 02, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Health insurance for a couple living in 10-12 cities in the US
Replies: 14
Views: 1354

Re: Health insurance for a couple living in 10-12 cities in the US

My wife and I are in our mid-fifties, so not eligible for medicare. We are not veterans and not medicaid-eligible. No kids, just us. We are considering living in 10-12 small cities around the country next year. Is there a way to buy health insurance that would cover us through the whole year? Does ...
by DWesterb2iz2
Tue May 01, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Health insurance for a couple living in 10-12 cities in the US
Replies: 14
Views: 1354

Health insurance for a couple living in 10-12 cities in the US

My wife and I are in our mid-fifties, so not eligible for medicare. We are not veterans and not medicaid-eligible. No kids, just us. We are considering living in 10-12 small cities around the country next year. Is there a way to buy health insurance that would cover us through the whole year? Does a...
by DWesterb2iz2
Mon Apr 30, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14288

Re: [favorite] Boglehead quotes

It's not a quote, but bigred77 had a post I loved in the thread "What is a boglehead?" (defining Bogleheads in three words).
viewtopic.php?t=164330

Anyway bigred77's post still makes me laugh:

"Used Camry Enthusiasts"
by DWesterb2iz2
Sun Apr 29, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: The "inertia test of performance"
Replies: 2
Views: 453

The "inertia test of performance"

I thought this was an interesting letter to the Financial Times last week (Thursday, April 26, 2018 page 8): Insights of the ‘inertia test’ Your article (“Too much investor cash is being leaked away”, FTfm, April 9), points to the drag on portfolio performance of unprofitable trading. The easiest wa...
by DWesterb2iz2
Mon Apr 23, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 2112

Re: Traveling to italy.........

I took my mom to the Cinque Terre a few years ago, and it was completely overrun with tourists. I realize that we were tourists too, but just know that before you make the effort to get there, you will have a lot of company. Since La Spezia is now a port for huge cruise ships to dock (it used to be ...
by DWesterb2iz2
Wed Apr 18, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 7059

Re: Your Money Or Your Life

My wife and I bought the cassette series of Joe Dominguez's and Vickie's Robin's "Your Money or Your Life" back in the late 80s early 90's, and it was a big deal for us. At the time, we also subscribed to Amy Dacyczyn’s Tightwad Gazette ( https://www.thesimpledollar.com/an-interview-with-amy-dacyczy...
by DWesterb2iz2
Tue Apr 17, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 7678

Re: Cash instead of bonds?

I mentioned in another thread that I had lunch with a wealthy retired man whose investment advice for retirees was to buy the S&P 500 and keep two year's expenses in cash (money market). No other mutual funds or bonds. I don't know about the man's non-stockmarket investments, though I assume he has...
by DWesterb2iz2
Mon Apr 16, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 7678

Cash instead of bonds?

I mentioned in another thread that I had lunch with a wealthy retired man whose investment advice for retirees was to buy the S&P 500 and keep two year's expenses in cash (money market). No other mutual funds or bonds. I don't know about the man's non-stockmarket investments, though I assume he has ...
by DWesterb2iz2
Mon Apr 09, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 9165

Re: Regrets of the frugal and dying?

I was friends with an elderly couple back in the 1980s. He was a professor of finance at the University of Chicago. They lived in a simple apartment near the University. I brought them lentil soup. They were gracious company. Anyway, I visited them often as he was dying of cancer. He died that year ...
by DWesterb2iz2
Thu Apr 05, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 67
Views: 8120

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

I had lunch with a wealthy older guy this week. He's a retired lawyer and MBA. What he does and advises is 2 years expenses in cash and 100% of the rest in a S&P 500 fund. "No bonds?" I asked. "No bonds," he confirmed. He has non-stock market investments, too, though. I don't know what percentage of...
by DWesterb2iz2
Wed Apr 04, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: ETFs' tax advantage over Mutual Funds?
Replies: 8
Views: 1096

ETFs' tax advantage over Mutual Funds?

I was listening to Meb Faber's podcast and he mentioned the tax advantage of the structure of ETFs over the structure of mutual funds. I had not heard this before so I nosed around this site, And I did see this link recommended: https://www.fidelity.com/learning-center/investment-products/etf/etfs-c...
by DWesterb2iz2
Sat Mar 17, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 6634

Re: Federal court tosses out fiduciary rule

Someone Barry Ritholtz interviewed awhile back disagreed with the rule that made every financial advisor act as a fiduciary.

He thought instead it would be enough to pass a law that financial advisors have to clearly state whether they are or are not fiduciaries.
by DWesterb2iz2
Tue Mar 06, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bonds
Replies: 7
Views: 951

Re: Rebalancing bonds

Deleted by poster
by DWesterb2iz2
Sat Mar 03, 2018 5:28 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 105
Views: 14825

Re: Small cap value vs. total market?

Longtermgrowth wrote:
Thu Dec 14, 2017 3:58 am
deltaneutral83 wrote:
Wed Dec 13, 2017 9:14 am
Merriman posted a podcast on SCV recently.
This one? https://paulmerriman.com/?powerpress_pinw=16819-podcast

I really enjoyed listening to that while watching the Geminid meteor shower tonight.
I liked it too. He says the phrase "Small cap valuuuue" about 10,000 times in that podcast.
by DWesterb2iz2
Tue Feb 20, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 8052

Re: Long term care insurance

If you join the Knights of Columbus, you can get ltc insurance from them. They are basically a huge highly rated insurance company and RC men's service org. They have strict underwriting, but have had good policies, and good rates. I'm not sure of the cost of new policies, though. I've had mine for ...
by DWesterb2iz2
Mon Feb 19, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 3295

Re: Which book for an 18 year old who is asking about investing?

Howard Donnelly wrote:
Sat Feb 17, 2018 6:43 pm
The #1 book I would recommend is The Millionaire in You, by Michael LeBoeuf. It's a terrific book. I wish I could have read it when I was 18!
I agree. This is a great book and very easy to read.
by DWesterb2iz2
Mon Feb 12, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Barron's Magazine
Replies: 15
Views: 1693

Re: Barron's Magazine

I have an inexpensive subscription and enjoy reading it very much. I especially like the round table discussions and interviews.

It's like the Morningstar podcast for me. Not really useful to me, but I always like seeing it show up and always give it some time.
by DWesterb2iz2
Tue Feb 06, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Bill Spitz's White Papers
Replies: 0
Views: 241

Bill Spitz's White Papers

Bill Spitz used to be in charge of the endowment at Vanderbilt University and is not the CIO at Diversified Trust, a family office. When I was starting out in personal investing,I really appreciated his book Get Rich Slowly . I heard him on Ted Seides' podcast recently and he mentioned he writes and...
by DWesterb2iz2
Mon Jan 29, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible health plan but not HSA eligible
Replies: 7
Views: 474

Re: high deductible health plan but not HSA eligible

To be HSA-eligible, plans must meet certain specific criteria that the deductible must be above a certain amount and the out-of-pocket maximum must be under a certain amount. The first year they had them, this OOP maximum was the same as the law under the ACA that all health plans must meet. But th...
by DWesterb2iz2
Mon Jan 29, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible health plan but not HSA eligible
Replies: 7
Views: 474

Re: high deductible health plan but not HSA eligible

HSA eligibility is mysterious. My plan (BC/BS high deductible HMO) and I have the same qualifications you listed, but it's somehow NOT HSA eligible. It happened last year too. It makes no sense, but it's definitely part of the way the system works now. I thought that eligibility was based on the cri...
by DWesterb2iz2
Mon Jan 29, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Should I join my local Freemasons?
Replies: 31
Views: 5214

Re: Should I join my local Freemasons?

This post reminds me of the exchange in the move The Player . Two Hollywood hotshots: Larry Levy: I'll be there right after my AA meeting. Griffin Mill : Oh Larry, I didn't realize you had a drinking problem. Larry Levy : Well I don't really, but that's where all the deals are being made these days.
by DWesterb2iz2
Sun Jan 14, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 12461

Re: Dave Ramsey's Millionaire Study

sambb wrote:
Sat Jan 13, 2018 9:27 pm
there was a fantastic net worth study here done yearly. dont know what happened, but now it is just a net worth thread. the survey here was great!
I agree. I found that survey instructive.
by DWesterb2iz2
Wed Jan 10, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 21576

Re: Anyone disenchanted with retirement?

I saw this headstone that said "Work" on it, and took a photo of it. It is an emblem of retirement for me.

https://imgur.com/a/BKWtI
by DWesterb2iz2
Sat Jan 06, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 4844

Morningstar Premium for $99

Half off the regular price. Does anyone find the site worthwhile?
http://app.mscomm.morningstar.com/e/es? ... 92&elqat=1
by DWesterb2iz2
Mon Jan 01, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling
Replies: 5
Views: 686

Re: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling

I posted this last week on the cable bill thread. But it's more apt here. If that's not OK, I'll delete it. My wife and I have a small vacation place and rather than pay $100/mo for cable internet we use a Calyx Institute 4G LTE (effectively unlimited data) hotspot. It's $500 the first year, and $40...
by DWesterb2iz2
Sat Dec 30, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 11846

Re: Do you meditate?

Yes. 40 years. Constant. Teach and practice. Static, moving, daily mindfulness, etc. j :D What is daily mindfulness. Taking the "presence" of seated meditation progressively into daily life such that the benefits of meditation become dynamic and ongoing. The generic basic seated meditation might, f...
by DWesterb2iz2
Fri Dec 29, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Checking your internet options can save you money
Replies: 9
Views: 1405

Re: Checking your internet options can save you money

In case this is useful to anyone: My wife and I have a small vacation place and rather than pay $100/mo for cable internet we use a Calyx Institute 4G LTE (effectively unlimited data) hotspot. It's a great deal. We easily stream Netflix, etc with it. You have to be in Sprint's coverage area, though,...
by DWesterb2iz2
Fri Dec 22, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12892

Re: A meal with friends yields a financial revelation

My revelation in financial security (55, debt-free, recently retired, FI) is a corollary to this one, or maybe an offshoot of it. I remind myself all the time that the cashier/waitstaff/difficult individual I'm irked by does not have my options at the moment, and likely has big stresses I don't have...
by DWesterb2iz2
Mon Dec 18, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Where do you read financial news?
Replies: 44
Views: 4923

Re: Where do you read financial news?

Where do you guys read financial news everyday? Any good sources you recommend? The Financial Times. A digital subscription is a bit expensive (~$275 per year), but I find it has just the right balance of U.S. news, global developments, and even reports on interesting academic studies now and then....
by DWesterb2iz2
Fri Dec 01, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 116
Views: 20032

Re: Bitcoin: What is it, in Plain English

I have not seen a link to Patrick O’Shaughnessy's set of podcasts, Hash Power in this thread. The first one in the series explains bitcoin/bock chain really well. It's dense material, but really clearly presented here. Link below.

http://investorfieldguide.com/hashpower/