Search found 834 matches

by camper
Tue Nov 13, 2012 2:59 pm
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 108
Views: 10432

Re: Bogleheads T-Shirt Possible Design(s)

Thanks for getting the ball to finally role. That would be one busy T-shirt. I wouldn't mind buying one with a simple design. Something like what I see on the header of the page on my screen now. Its got some sort of compass picture with Bogleheads.org. Investing Advice Inspired by Jack Bogle. On th...
by camper
Sun Nov 11, 2012 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for College for Nieces and Nephews - Best Methods?
Replies: 49
Views: 4458

Re: Investing for College for Nieces and Nephews - Best Meth

I have set up 529s for all 5 of my nephews and nieces. They get plenty toys and other junk from others in the family.
by camper
Mon Nov 05, 2012 8:17 am
Forum: Personal Consumer Issues
Topic: Paying at Costco with gift cards
Replies: 54
Views: 15416

Re: Paying at Costco with gift cards

Are you saying, I do not have to pay for membership fee if I get gift cards online from Costco's website? That would be great. Please let me know. Right now, I use FIDO AMEX for 2% on everything so i get my rewards but if I can save extra $110.00 per year great. :moneybag Thanks. We use our Fido AM...
by camper
Tue Oct 23, 2012 5:12 pm
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 5667

Re: What's Your Favorite Hot Sauce?

Big fan of Cholula
by camper
Tue Oct 23, 2012 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Las Vegas Trip
Replies: 56
Views: 5601

Re: Las Vegas Trip

We usually stay at my in-laws house when in Vegas. When that isn't an option, Luxor is the place.
by camper
Thu Oct 18, 2012 10:02 pm
Forum: Personal Consumer Issues
Topic: 5K or 3K oil change?
Replies: 91
Views: 15872

Re: 5K or 3K oil change?

We change every 6K miles with Mobil 1 synthetic which I buy at Costco.
by camper
Tue Oct 16, 2012 10:20 pm
Forum: Personal Consumer Issues
Topic: American Express: Fidelity FIA card
Replies: 1
Views: 527

Re: American Express: Fidelity FIA card

I have the Fido FIA AMEX and the VISA as well. I have never had any other AMEX cards so I know any of the other perks regular AMEX cards have. I also have never used a credit card for extended warranties or car rentals so don't know about that. I have the card because the rewards are good and consis...
by camper
Sun Oct 14, 2012 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Owner financing a land sale
Replies: 8
Views: 2211

Re: Owner financing a land sale

For the last 6 months or so we have been looking to buy a couple pine acres in northern Arizona. It has been very common for owners to offer to carry the loan. We have actually encountered sellers who do not want to do cash deals. They were offering 5-8% interest rates with at least 20% down and som...
by camper
Mon Sep 24, 2012 6:17 pm
Forum: Personal Consumer Issues
Topic: Pet Peeve - Sugary Sweet Customer Service Reps
Replies: 3
Views: 631

Re: Pet Peeve - Sugary Sweet Customer Service Reps

Would you rather them be nasty and not helpful? :confused
by camper
Sun Sep 23, 2012 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds - why am I buying 0 interest ibonds again?
Replies: 25
Views: 2205

Re: Ibonds - why am I buying 0 interest ibonds again?

Where else would you put short term savings? Yes you pay federal tax on the interest when you sell the bond in most instances. The interest is exempt from state tax. There is simply no better alternatives for short term cash at the moment.
by camper
Sat Sep 22, 2012 12:29 pm
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 5063

Re: How Many Mutual Funds Do You Own?

Slice and dice portfolio with 19 funds with some overlap across 5 of our accounts. It is relatively easy to track and rebalance with a spreadsheet. On most occasions we rebalance with new money.
by camper
Sun Sep 16, 2012 11:50 am
Forum: Investing - Theory, News & General
Topic: I-Bonds When Does Interest Post ?
Replies: 5
Views: 725

Re: I-Bonds When Does Interest Post ?

First of the month. If you are asking about the redemption value shown at treasurydirect, it doesn't show the last three months during the first 5 years (the redemption penalty). Thanks sscritic. I was expecting to see a ledger entry with interest being posted , but apparently the Treasury just upd...
by camper
Fri Sep 14, 2012 7:03 pm
Forum: Personal Consumer Issues
Topic: Help choosing deck material
Replies: 12
Views: 1695

Re: Help choosing deck material

Here is a fairly lengthy thread from a few short months ago on that very topic.
by camper
Tue Sep 11, 2012 9:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Chairman wants your comments and questions.
Replies: 42
Views: 4464

Re: Vanguard Chairman wants your comments and questions.

As a 29 year old and I hereby volunteer to serve as your proxy and put forth to the Chairman on Facebook any question you wish. Regards, Femur Here's a serious but not delicate question and it may be interesting to get him on record addressing it. "What changes do you see for Vanguard when Mr. Bogl...
by camper
Tue Sep 11, 2012 9:16 pm
Forum: Personal Consumer Issues
Topic: Space Heater Recommendations?
Replies: 31
Views: 3222

Re: Space Heater Recommendations?

We use an oil filled radiator as well. We put it in our son's bedroom at night in the winter. We figure making his bedroom toasty with it rather than heating the whole house saves us some bucks. I'm sure DW picked it up at Target or Walmart.
by camper
Tue Sep 11, 2012 8:48 am
Forum: Investing - Theory, News & General
Topic: Cardinal Rules of Investing
Replies: 56
Views: 5569

Re: Cardinal Rules of Investing

I've written mine a couple of times which I have taken from all the investment stuff I have read, but think it covers most. 1. Save as much as you can so you can invest as much as you can. 2. Asset allocation is king and should be based on one's willingness, ability, and need to take risk. 3. Avoid...
by camper
Thu Aug 16, 2012 7:29 pm
Forum: Personal Consumer Issues
Topic: Pool Chlorine
Replies: 15
Views: 3350

Re: Pool Chlorine

Our first home had a pool. We had some pretty bad algae problems our second year there. We had a pool guy come out. He drained the pool and scrubbed the walls with an acid mix. We filled the pool back up and didn't have any more algae problems the next 4 years. He reccommended draining the pool ever...
by camper
Tue Aug 14, 2012 8:25 am
Forum: Personal Consumer Issues
Topic: How many school uniforms ... and other related questions
Replies: 18
Views: 1905

Re: How many school uniforms ... and other related questions

I would not participate or have my kids participate in an institution of any type that requires uniforms. It removes individuality. I agree wholeheartedly with you. I makes me laugh when people say that it removes competition. So when do you teach your children the real world? When they have a red ...
by camper
Mon Aug 13, 2012 10:04 pm
Forum: Personal Consumer Issues
Topic: How many school uniforms ... and other related questions
Replies: 18
Views: 1905

Re: How many school uniforms ... and other related questions

Muchtolearn wrote:I would not participate or have my kids participate in an institution of any type that requires uniforms. It removes individuality.
I agree wholeheartedly with you.
I makes me laugh when people say that it removes competition. So when do you teach your children the real world?
by camper
Sun Aug 05, 2012 3:07 pm
Forum: Personal Consumer Issues
Topic: truck owners [gas or diesel?]
Replies: 31
Views: 3135

Re: truck owners

I agree with wingnutty. My daily driver is a 2006 Chevy Silverado 4 door V8 5.3L gas. I tow my 18 foot bass boat loaded with gear about 8-10 times a year without a problem. I get about 17-19 MPG, depending how heavy my right foot is.
by camper
Sun Aug 05, 2012 11:43 am
Forum: Investing - Help with Personal Investments
Topic: PTTRX (Pimco Total Return) vs TBM
Replies: 32
Views: 8112

Re: PTTRX (Pimco Total Return) vs TBM

We have access to both at the same expense ratios you have. We invest in both. It makes it somewhat easier to rebalance (with new money) since TBM is in my 457 plan and Pimco is in DW's 403b/401a.
by camper
Fri Aug 03, 2012 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Adrian Nenu Insurance Consultant
Replies: 9
Views: 2815

Re: Adrian Nenu Insurance Consultant

chaz wrote:
EmergDoc wrote:As I recall he made one.....over and over and over again.... :)
He was on a mission with his message.
He did not practice what he preached.
by camper
Wed Jul 25, 2012 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: forced to take PTO days
Replies: 34
Views: 5130

Re: forced to take PTO days

At least you can use PTO on those days. If the company was in really bad shape they would just tell you to take the days off without pay. I had 3 years of 1 day a month furlough days.
by camper
Mon Jul 23, 2012 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: selling home and buying retirement home in another state
Replies: 30
Views: 3846

Re: selling home and buying retirement home in another state

We had to sell our first home in order to get the building process started on our current home. We leased an apartment for 6 months while our home got built. First and last time we ever live in an apartment.
by camper
Wed Jul 11, 2012 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: How best to buy I Bonds?
Replies: 27
Views: 3846

Re: How best to buy I Bonds?

They don't have co-owners as such at TD. They have primary with secondary. The wife can be secondary on the husband's bond, and the husband can be secondary on the wife's bond. Is doing both possible on one account or do I/we need to set up seperate accounts for each of us? Thanks! You need an acco...
by camper
Sun Jul 08, 2012 9:52 pm
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 20006

Re: Post your AA

Age: both of us are 31
Aggregate US Equities (sans REIT): 45%
Aggregate US REIT: 5%
Aggregate Intl Equities (sans REIT): 31%
Aggregate Intl REIT: 0%
Aggregate Nominal Bonds: 13%
Aggregate Inflation Bonds: 6%
Any Sector or Commodity plays: 0%
by camper
Sat Jul 07, 2012 11:23 pm
Forum: Personal Consumer Issues
Topic: Ever had a washing machine leak or overflow?
Replies: 40
Views: 15384

Re: Ever had a washing machine leak or overflow?

When we had our home built, I was concerned about having the laundry room upstairs. Builder asked if I wanted to lug the laundry up and down stairs since the bedrooms were upstairs as well. I said good point. Then he told me that the pan under the washer would have an 1 1/2" drain pipe that would dr...
by camper
Fri Jul 06, 2012 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct so bad that I should no longer….
Replies: 39
Views: 7028

Re: Is Treasury Direct so bad that I should no longer….

The horror stories about Treasury Direct here are vastly overblown IMHO.
by camper
Thu Jul 05, 2012 9:10 pm
Forum: Personal Consumer Issues
Topic: West Coast Beach Destinations
Replies: 32
Views: 2994

Re: West Coast Beach Destinations

We did Legoland and Oceanside beach/pier last week. It was nice. Ruby's at the end of the pier has some good burgers and ice cream shakes. Water was a bit on the chilly side.
by camper
Mon Jul 02, 2012 8:28 am
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4814

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

If there are fire restrictions, buy a smaller portable propane grill. Bought mine at Costco. Here in Arizona, there are fire restrictions just about every year from May to mid-July when the monsoon rains kick in. I have had my queen and single Coleman air mattresses for 10 years without a problem. W...
by camper
Sun Jul 01, 2012 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with XIRR in Excel for Portfolio
Replies: 22
Views: 2217

Re: Help with XIRR in Excel for Portfolio

Not sure how you can do it with data downloaded from Vanguard. But here is what I do. In a spreadsheet put all your transactions with dates in column A and money you put in or withdrew in column B. I ignore Dividends in IRA that are reinvested, but Dividends in Taxable that are not reinvested I cou...
by camper
Sun Jun 10, 2012 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k options
Replies: 2
Views: 309

Re: My 401k options

Do some research on the others. Most likely they are high fee funds. Its good to see you have such good Vanguard choices. Some are not so lucky.
by camper
Sun Jun 10, 2012 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 24
Views: 1758

Re: International Allocation

You say you plan on retiring in 25 years. What will the situation be like in Europe then? 30% of equities in international is fine. FWIW, we have 40% of equities in international. If you are really that nervous, dollar cost average into international.
by camper
Thu Jun 07, 2012 7:29 am
Forum: Personal Finance (Not Investing)
Topic: First house purchase - a duplex?
Replies: 12
Views: 1881

Re: First house purchase - a duplex?

You would potentially rent to college students who would live directly above you? I could only imagine how this would be a disaster in waiting.
I would get a single dwelling first so you can experience the "joys" of home ownership on just one unit first.
by camper
Wed Jun 06, 2012 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else TLH today?
Replies: 7
Views: 643

Re: Anyone else TLH today?

livesoft wrote:I would have to give 30% of profits to Apple if I put it in the App store. That by itself would turn AAPL into a $2000 a share stock.
Can you tell us before this happens. It may or may not be worth buying my first individual stock since becoming a Boglehead a little over three years ago. :)
by camper
Sun Jun 03, 2012 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market or TIPS
Replies: 18
Views: 2363

Re: Total Bond Market or TIPS

Many here smarter than I recommend a 50/50 split between TIPS and TBM. That is what we strive for.
by camper
Thu May 24, 2012 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund never feels large enough
Replies: 33
Views: 4667

Re: Emergency fund never feels large enough

An emergency fund is a very personal thing. I think the most important factor is ones emergency fund is job security. I have a secure gov't job and DW is a nurse. The chances of either one of us losing our job is very small. Second factor for us is home/car emergency expenses. Last year it was the A...
by camper
Sat May 12, 2012 10:19 pm
Forum: Personal Consumer Issues
Topic: Speeding Ticket Recommendation
Replies: 40
Views: 3785

Re: Speeding Ticket Recommendation

Would it be snarky for me to say that my speeding ticket recommendation would be not to drive forty-four miles per hour in a thirty-five miles per hour speed zone? Yes, snarky. I'm generally law abiding, but sometimes the speed is set reasonably, and then there are times when it seems that the only...
by camper
Thu May 10, 2012 6:52 pm
Forum: Personal Consumer Issues
Topic: GPS replacement
Replies: 29
Views: 2607

Re: GPS replacement

First I bought a TomTom from Costco. We couldn't get the thing to update. I guess it was a manufacturer defect. Took it back to Costco and got a Garmin Nuvi 2350LMT. Its has worked great so far.
by camper
Wed May 09, 2012 8:34 am
Forum: Investing - Theory, News & General
Topic: OK, Maybe I am Wrong on Bonds
Replies: 53
Views: 5052

Re: OK, Maybe I am Wrong on Bonds

I'm glad we followed the "stay the course" mantra.
by camper
Sat May 05, 2012 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How long will you live?
Replies: 50
Views: 4028

Re: How long will you live?

84 years for me. 53 years to go. Plenty of time to take care of myself for the better or worse.
by camper
Wed Apr 25, 2012 7:53 pm
Forum: Investing - Theory, News & General
Topic: more great service from Treasury Direct!
Replies: 74
Views: 11653

Re: more great service from Treasury Direct!

If you want treasuries, Vanguard will buy them for you at auction for free. Yes, but "free" may depend on the type of purchase and/or your status (Flagship, etc.) with Vanguard. And the bonds in question cannot be Series I Savings Bonds (which can only be bought direct from Treasury, not through br...
by camper
Tue Apr 10, 2012 7:25 pm
Forum: Personal Consumer Issues
Topic: want to buy a small safe
Replies: 14
Views: 1753

Re: want to buy a small safe

I picked up a small one at Harbor Freight.
by camper
Mon Mar 26, 2012 8:30 am
Forum: Investing - Help with Personal Investments
Topic: where should I put $10,000
Replies: 18
Views: 2410

Re: where should I put $10,000

iBonds +3 you can only do $5000 per person on-line (Banks out of game) and cannot sell for 1 year Funds- Fidelity or Vanguard GNMA is gov't guaranteed with some interst rate risk but right now is good time if you think rates heading down from here (Eg per Gary Shilling)...last 3 years rates headed ...
by camper
Sat Mar 24, 2012 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 285352

Re: Why does anyone use American Express?

DiMAn0684 wrote:I use Fidelity AMEX card because it gives me 2% cashback on all purchases.
Me too.
by camper
Sat Mar 24, 2012 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Can Credit Union close Credit Card w/o notice?
Replies: 13
Views: 1428

Re: Can Credit Union close Credit Card w/o notice?

My wife has had a credit card through a credit union for well over 10 years--it's her oldest account in her credit bureau file by far. She just realized a few days ago that the card in her wallet expired in 1/2012. She called the credit union and after some phone tag was told they closed her accoun...
by camper
Sat Mar 24, 2012 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Strange meeting with a Merrill Lynch 'financial advisor'
Replies: 70
Views: 8049

Re: Strange meeting with a Merrill Lynch 'financial advisor'

Did you at least get a good free meal out of this meeting? If you did not, you got ripped off. :oops:
by camper
Sat Mar 24, 2012 10:57 am
Forum: Investing - Theory, News & General
Topic: Single Most Valuable Thing
Replies: 50
Views: 3699

Re: Single Most Valuable Thing

I'm with momar and Mr. Schultheis. Saving rate is crucial.
by camper
Wed Mar 21, 2012 1:32 pm
Forum: Investing - Theory, News & General
Topic: Free book by Boglehead Oblivious Investor
Replies: 26
Views: 3313

Re: Free book by Boglehead Oblivious Investor

tludwig23 wrote:If I click through the Amazon Bogleheads link, and buy a free book, does that really help the site?
Obviously I was thinking if you buy the print version as I am later tonight.
by camper
Wed Mar 21, 2012 12:29 pm
Forum: Investing - Theory, News & General
Topic: Free book by Boglehead Oblivious Investor
Replies: 26
Views: 3313

Free book by Boglehead Oblivious Investor

Oblivious Investor recently completed an update to his book Investing Made Simple. The Kindle edition is free and print is only $5. This is a promotion that ends this Friday. Don't forget to use the Boglehead link to Amazon.

More details here

Thanks Mike!