Search found 682 matches

by 6miths
Wed Jan 14, 2015 7:46 pm
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table of Investment Returns 2014
Replies: 26
Views: 6253

Re: Updated Callan Periodic Table of Investments 1995-2014

Thanks. Always interesting to see these.
by 6miths
Wed Jan 14, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 7456

Re: Retirees: Do you work part-time for pay?

I go somewhere on Monday and Thursday and spend 7 hours doing something that I would do (and have done in the past) for free. Someone pays me a small fraction of the money that I could make doing in the same amount of time in my previous career. I don't need the money. Not sure what that counts as.
by 6miths
Sun Jan 11, 2015 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a car with credit cards for cash back rewards?
Replies: 36
Views: 5138

Re: Purchasing a car with credit cards for cash back rewards

My experience is 5K max for the deposit. Obviously, it's costing the dealership to process the credit card payment and they would limit it as much as they can.
by 6miths
Sat Jan 03, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 144
Views: 51928

Re: Net Worth Survey, 2015 Edition

Thanks for doing this again. Great fun. Is there an easy way to get the NW with SS down to two decimal or even no decimal places. It would just be easier to read. Thanks again. Happy New Year.
by 6miths
Sat Jan 03, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3344
Views: 1004227

Re: What Book Are You Currently Reading? Part VI

Being Mortal by Atul Gawande. A Harvard surgeon discusses life in retirement especially independent & assisted living, retirement homes, and hospice. My Being Mortal has arrived today. I am looking forward to reading it. Victoria My spouse has read it. It is a cracker. A profound book. Yes a very t...
by 6miths
Sat Jan 03, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 10255

Re: Do you usually order (not-free) beverage at restaurants?

I don't really drink alcohol. Diet Coke only if free refills. Sometimes tap water with lemon slice. DW occasionally has a beer or a glass of wine. Otherwise tap water.
by 6miths
Sat Jan 03, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3759
Views: 1068141

Re: What Movie Have You Recently Watched?

Mintee wrote:We really enjoyed the Imitation Game.

Very much so. I can't recall having gone to a movie in the past and having the audience clap in appreciation of the story at the end.
by 6miths
Thu Dec 25, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: Leaf blower (& Gutter cleaner) recommendations
Replies: 18
Views: 4888

Re: Leaf blower (& Gutter cleaner) recommendations

I use the Stihl. Also great for clearing light snow in the winter - quick and right down to the pavement. Saw them doing it during a snowstorm at a Patriots game to keep the lines clear. Works like a charm.
by 6miths
Sun Nov 23, 2014 1:12 am
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 13610

Re: What percent "Boglehead" are you?

It's hard to put a number on. If I use the 10 points above it would be pretty high but the thing counting against me in the minds of many Bogleheads would be my permanent life insurance I would suspect. To me it is just another way to diversify and potentially gain some tax advantage in terms of est...
by 6miths
Sat Nov 22, 2014 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 12966

Re: Paid off our Mortgage this evening!

Congrats! It's a great feeling!
by 6miths
Sat Nov 22, 2014 5:17 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 38705

Re: 23 year old... Can I afford a Rolex?

Isn't this the ultimate Troll question on Bogleheads. Make the person 23 just to spice it up a bit. What's next... I'm 12 living at home, debt free - should I use my paper route money to buy a Rolex or would I be better off putting it in VTI. Lol.
by 6miths
Sat Nov 22, 2014 4:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3759
Views: 1068141

Re: What Movie Have You Recently Watched?

Saw Gone Girl with DW and thought it was quite well done. Interstellar with DS and thought that it was long and kind of boring, predictable. Saw it in IMAX and wouldn't say that it added much when compared to Gravity which really took advantage of the format. I wouldn't go back to see Interstellar a...
by 6miths
Tue Oct 21, 2014 8:03 pm
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 15140

Re: "You're invited to...." (nonsense talk and dinner)

gwrvmd's response sounds good to me. I go to one of these every couple of years when the restaurant is good enough. DW has come out a once or twice but I have a buddy from work who likes to go. I find it at the least entertaining and occasionally a useful idea worth further exploration is put forwar...
by 6miths
Sun Oct 19, 2014 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits to a larger than necessary house (as children grow)
Replies: 31
Views: 4215

Re: Benefits to a larger than necessary house (as children g

It's a hard call. We've been in our current house for 18 years and we have changed it to fit our family. We have 4 children, now 15 to 21. It is a hundred year old farm house on an acre with a small creek bisecting the back half of the lot. It has been great for the kids to have the big, treed backy...
by 6miths
Sat Oct 18, 2014 11:35 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 14389

Re: Smartphone questions

We have 3 BlackBerry phones and 3 android phones (motorola razr HDs). No iPhones. My wife and I have Blackberry due to work and my 20 year old daughter has refused to give her BlackBerry up which I find amusing. I wasn't impressed with the new BlackBerry phones but the old ones have always been grea...
by 6miths
Sat Oct 18, 2014 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 17501

Re: "I've had it" at work - how often

53. Medicine. After 15 years in my first job I had too many of those days - very high acuity and not enough manpower. Way too stressful - hard on me and also on my young family. Packed it in and went overseas for 3 years and had a wonderful time. Came back and worked 10 years in a new place where th...
by 6miths
Sat Oct 11, 2014 9:12 pm
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 21896

Re: Cleaning Up Acorns

I like the shop vac idea though I've never tried it. I have a Stihl blower vac and it does fine for acorns. It's plastic impeller has steel covered leading edges so acorns don't hurt it. Unfortunately for me, I have more black walnut trees than oaks and walnuts are not well tolerated by my blower/va...
by 6miths
Wed Oct 01, 2014 2:30 pm
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 4538

Re: Lakefront property with small children?

Much good advice. A few comments. Having a primary residence with a pool and a cottage with a lakeshore, I am much more fearful of the pool. The straight drop into water at least 4 feet deep with no easy means of egress is potentially deadly while the lake has a sloping bottom where entry is gradual...
by 6miths
Mon Sep 29, 2014 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 2445

Re: need for a backup credit card?

For years I only had one and then 'we' only had one. When I incorporated, I got a second 'business' card. Finally, I got an Amex through Costco but now that Costco in Canada has ended its affiliation with Amex, I will be cancelling the Amex. Have never had a problem although now that we have 'chip' ...
by 6miths
Mon Sep 22, 2014 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 12543

Re: how to prevent medical expense catastrophe?

So if the primary surgeon gets paid 6,200, which seems like quite a bunch of money, and an assistant (or even a second consulting surgeon) charges you 117,000 and actually expects the full amount how many people would not 'stiff' him even if they could afford to pay? I thought doctors had a fiduciar...
by 6miths
Sun Sep 21, 2014 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 12543

Re: how to prevent medical expense catastrophe?

My mother always said, 'If you can't say something nice, don't say anything at all'. Probably I shouldn't have said anything at all.
by 6miths
Thu Sep 18, 2014 10:44 pm
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 11840

Re: The Roosevelts, PBS special

Great series. Recording it all.
by 6miths
Wed Sep 17, 2014 9:32 pm
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 6562

Re: Australia and New Zealand

Just dropped my elder DS at the airport for a flight to Melbourne. He's got 8 months so hopefully will get to see a good deal of Oz. Probably won't make it to NZ.
by 6miths
Tue Sep 16, 2014 8:01 pm
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 9038

Re: The boglehead way to buy furniture

DW just recently has discovered Kijiji which is bigger here than craigslist and has got some killer deals. Elder DD was just furnishing an apartment which was the impetus. She got absolutely beautiful things. Flawless love seat for $60. A 5x7 Pottery Barn rug that was originally $800 for $150. A 6x8...
by 6miths
Sat Sep 13, 2014 11:53 am
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 66
Views: 9935

Re: Could you sleep with all your money in Berkshire Hathawa

Like a baby if it had been there since the 70s.
by 6miths
Sat Sep 13, 2014 11:26 am
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 7418

Re: How much value can an advisor add for the average invest

Perhaps this should be added to the OP's list: 0. Keep the average investor from other advisors who charge too much, churn the account, put them in front-end load funds, use high expense-ratio actively-managed funds, sell whole life insurance, and sell variable annuities. It is not just about savin...
by 6miths
Sat Sep 13, 2014 10:22 am
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 5761

Re: Angry when stock market is down

What?! Is the market down?
by 6miths
Thu Sep 11, 2014 8:35 pm
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 7172

Re: Costco vs Amazon?

Costco may not have the lowest price but often they do, especially if you buy things when they go on sale. Quality is excellent. Return policy is ridiculously good. Anything that I can buy at Costco, I do. Kirkland branded items are generally excellent. I like the diversity of products on Amazon and...
by 6miths
Tue Sep 09, 2014 11:37 pm
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 4735

Re: Poll: Which iPhone 6?

Sadly, I'm making the move from BlackBerry over to Apple. Now that I'm retired the convenience of the BlackBerry for typing and the added security are going to have to take a back seat to the fun factor of the iPhone. Go big or go home so I'm down for the 6 Plus. It's screen is about the same size a...
by 6miths
Mon Sep 08, 2014 4:46 pm
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1664

Re: Tennis Role Reversal

I've been on both sides of this equation. As a provincial level high school player I could be schooled by an old geezer and I'd be mumbling to myself that he was playing like a granny and of course that is exactly how I could lose. An old guy would just keep hitting the ball back nothing spectacular...
by 6miths
Sat Sep 06, 2014 10:28 am
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 18283

Re: A 'really good book' you did NOT enjoy

As far as financial books go, I really didn't get 'Your Money or Your Life' by Joe Dominguez and Vicki Robin. The updated version didn't do it for me either.
by 6miths
Sat Sep 06, 2014 10:23 am
Forum: Investing - Theory, News & General
Topic: What is the expected return of this portfolio over 50 yrs
Replies: 21
Views: 1952

Re: What is the expected return of this portfolio over 50 yr

One billion dollars! Na Na Na!

It's not even April 1st.
by 6miths
Sat Sep 06, 2014 12:37 am
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 5504

Re: Lawnmower/gas issues

Ethanol and old gas are issues if gas is not used for a season. As mentioned, one option is to run the engine empty in the fall. Another option is to use gas with no ethanol which will likely cause less problems in general and store longer. Some stations premium gas is ethanol free. In my area, Shel...
by 6miths
Wed Sep 03, 2014 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 2542

Re: chip credit cards

You also have a PIN number linked to the card which needs to be entered into the terminal.
by 6miths
Wed Sep 03, 2014 10:32 pm
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 13291

Re: How do you keep your electricity bill low?

Follow my wife around the house and turn off all the lights and TVs she leaves on. Insert 'and my 4 children'. Also, programmable thermostat to keep AC operation in off-peak hours. And I can access it over the internet to turn in back up when certain members of the family have set it to the 'High A...
by 6miths
Wed Sep 03, 2014 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 9064

Re: Did you reveal to your kids...your savings and salary

Yes, I love the above quote too. And put much stock in Thomas J Stanley's advice to avoid 'economic outpatient care' for the children. Try hard to instill a healthy work ethic and an idea of the value of people and things.
by 6miths
Tue Sep 02, 2014 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 9064

Re: Did you reveal to your kids...your savings and salary

Definitely don't feel the need to share any numbers. They know that we live in a pretty nice house, but far from the nicest. We live seriously below our means and expect our children to be content to live a reasonably frugal lifestyle. The truth is that they are unlikely to attain our level of incom...
by 6miths
Sat Aug 30, 2014 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 41
Views: 7170

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Real estate is a pain in the rear. I would not do it "to diversify". I would only do it if you have a real interest in doing it. Seems like a poor fit for someone who wants to be free to travel and stay wherever you want. This would be my feeling. I've never had the desire. Not to say that fortunes...
by 6miths
Sat Aug 30, 2014 2:51 pm
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 18099

Re: Costco:is it worth it for just two people?

Yes a 'destination'. And I forgot the seasonal garden centre! Oh and glasses and hearing aids. And... they just got Apple products!
by 6miths
Sat Aug 30, 2014 2:27 pm
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 18099

Re: Costco:is it worth it for just two people?

Obviously depends. It certainly has been worth it with 4 kids and I can't see that we won't continue to be members once the last of them moves out. The features that stand out from me have already been mentioned. 1) 1.50 hot dog (big) and soda, 2) gas, 3) selection, 4) great Costco brands, 5) best e...
by 6miths
Sat Aug 30, 2014 2:16 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 9271

Re: Does anyone have 'Lazy Portfolios'?

I have a Couch Potato portfolio but am too lazy to follow it very closely.
by 6miths
Sat Aug 30, 2014 10:47 am
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 9852

Re: Ideas for thanking a doctor

And I do agree about the online ratings. Most MDs I know never, ever look at these because they are too depressing. People in general tend to put much more negative value on the bad and not enough positive on the good in life, so these can be pretty toxic. Especially since they are more likely to be...
by 6miths
Sat Aug 30, 2014 10:41 am
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 9852

Re: Ideas for thanking a doctor

I'm a physician. Thank you notes from patients are few and far between (at least in my setting). I keep all of them and they truly mean a lot. Just a thank you note itself is a very nice gesture. Anything more not necessary. But something edible that could be shared with the staff is always appreci...
by 6miths
Fri Aug 29, 2014 11:03 pm
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1629

Re: Probability question

The probability would be 1/144 or 0.694%. The odds would be 1:143. Both of these from the point of view before either draft was done. Given they are independent events, the probability and odds would be 1/12 or 8.3% and 1:11 respectively that the person having the number one selection in the first d...
by 6miths
Fri Aug 15, 2014 7:21 pm
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 5951

Re: Why would a passive investor use ETFs?

InvestorNewb wrote:
dnaumov wrote:Because a wide selection of high-quality index mutual funds are not available in your country.
This. In my case (Canada) only Vanguard's ETFs are available here.
There are many other ETFs available in Canada. Mutual funds in Canada have much higher MERs.
by 6miths
Fri Aug 15, 2014 7:03 pm
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 2140

Re: Teaching teen to drive

And agree, they are all learning to drive my manual transmission. Much more engaging and fun!
by 6miths
Fri Aug 15, 2014 7:02 pm
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 2140

Re: Teaching teen to drive

At the moment the kids are 20, 19, 16 and 15 so getting some experience. My 20 year old decided to get his motorcycle license and has been riding accident free for 3 years. I would say that there is probably no better (although many safer ways) to become an excellent driver than to ride a motorcycle...
by 6miths
Wed Aug 13, 2014 6:23 pm
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 2517

Re: Runners and compression socks

And I thought I was paying alot for my mail order 'imperfect' Thorlo's! Compression stockings will definitely help with swelling whether on long flights, prolonged standing or probably less so running. In running there will be less swelling than with prolonged inactive sitting or standing because th...
by 6miths
Tue Aug 12, 2014 4:46 pm
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 5720

Re: Dealership wants to buyback my car

Yes marketing ploy. Get these letters once in a while. Most dealers have better margins on used cars than new cars.