Search found 573 matches

by Finridge
Tue Aug 28, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2274

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

I was mildly disappointed that I couldn't have the box, and disappointed that it was boring magic that only worked on money. Reminds me of this little gem: https://www.youtube.com/watch?v=dgct3Jn8pFA Kudos to the OP for what sounds like a job well done! I first came across the idea in Andrew Tobias...
by Finridge
Tue Aug 28, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2274

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

I just remembered something else. I was about eight. My grandfather told me that he had a "magic box." It was a little porcelain box with some kind of Chinese imagery on it, something like this: [... image did not post] He told me that if you put money in it and waited, it would grow. He put a smal...
by Finridge
Tue Aug 28, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2274

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

I have to admit that I did not realize that the $20 Vanguard fee for accounts under $10,000 was waived if you enrolled in electronic delivery. However, I think having to buy whole ETF shares would be too inconvenient given the dollar amounts that are investing here. Also, I don't want it to appear t...
by Finridge
Tue Aug 28, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2274

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

To respond to the posts above that address potential lack of interest, and possible shortcomings of the account as a "teaching tool:" These concerns are all on the mark, and I think anyone who plans to do something like this needs to consider them within the context of the interests and other unique...
by Finridge
Tue Aug 28, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2274

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

Did Fidelity remove the $2500 minimum on UTMA accounts? Their website still lists it . That is not actually an account minimum. That language was because their funds required $2500 minimum investment until recently. I opened mine with my kids for a few hundred bucks, initially used ishares. Recentl...
by Finridge
Mon Aug 27, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2274

An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

The new Fidelity Zer Funds have gotten a lot of attention. Most of this has been regarding their zero expense ratios, their tax efficiency, and performance. But what caught my eye is their zero minimum initial investment amount, and without there being any penalties for a low minimum balance. I'm no...
by Finridge
Mon Aug 27, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3213

Re: Is it worth chasing down this $10 fee?

I came here to say, "Time is not money. Time is more valuable than money. Just let it go." Scrolling to the bottom to post this, I saw the last post--this is not meant as a refutation of what protagonist said--I think we're basically in agreement, and just saying more or less the same thing in diffe...
by Finridge
Sun Aug 26, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: How much clothing do you need to get by?
Replies: 20
Views: 2274

Re: How much clothing do you need to get by?

My substantial weight loss has necessitated that I replace almost my entire wardrobe. Congratulations! That is not an easy thing to do. The frugal guy in me, on the other hand, wants to just stop at the grocery store and grab ice cream on my way to cancel my Planet Fitness membership tonight and sa...
by Finridge
Sun Aug 26, 2018 2:39 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3727
Views: 1073173

Re: What Book Are You Currently Reading? Part VI

but already understand that Harari is speculating I stopped reading his first book about 2/3 of the way through. It was filled with a lot of speculation. I'm only about 15% into this book and not impressed so far. Like you say, it has a lot of speculation. It's not bad--just not up to the expectati...
by Finridge
Sat Aug 25, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22680

Re: Did you celebrate when you finally hit $1m?

No. I knew that I would need more. Celebrating then would be like celebrating a mile race at the bell lap. Yes, it's great to make it to the last lap, especially if you are in the lead, but many a race has been lost in the last lap. (A bell is run as the runners approach the finish line for the las...
by Finridge
Sat Aug 25, 2018 3:02 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5965

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

I'm part of the crowd decrying "just three?" Qualifier: three today, they'll be a different three if I answer again. OP here. I started the thread, but even I couldn't limit myself to just three in each category! That's why there are so many "runners up." And don't even ask me how many times I went...
by Finridge
Sat Aug 25, 2018 2:58 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5965

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

Other book threads on Bogleheads.org that are worth reading: Your Top 10 Books https://www.bogleheads.org/forum/viewtopic.php?f=11&t=168087&hilit=book&sid=6d703561aa345adf2b9087478c9f929c Any books really change your outlook on life? https://www.bogleheads.org/forum/viewtopic.php?f=11&t=65332 What b...
by Finridge
Sat Aug 25, 2018 12:06 am
Forum: Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 70
Views: 7159

Re: Am I Wrong for being 100% Equities ?

OK, first post / topic I'm putting out here since finding this wonderful investing forum .... Our current situation: age 57 / wife 51 salaries 275-300K combined, living in MCOL area (Detroit metro) annual 401K + HSA personal + company contributions 75K combined 401K savings 1.4M (27% VXUS / 36% VB ...
by Finridge
Fri Aug 24, 2018 3:58 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 8802

Re: Sellers beware on eBay.

bob60014 wrote:
Sun Aug 19, 2018 3:03 pm
With Ebay, the buyer is always right, the seller has no recourse even though the buyer is abusing the process. It's the reason I have stopped selling on ebay.
This is what we have seen also. Not worth it.
by Finridge
Fri Aug 24, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 3028

Re: What would you do - Car Question

Last week the Sequoia died - battery issue and positive terminal was badly coroded and both had to be replaced. My mom and I shared her car for a week. (It took a werk because my dad did the work). ... Part of me wants to keep driving it until it dies again. Part of me says get a new vehicle now - ...
by Finridge
Thu Aug 23, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 108
Views: 10118

Re: My dementia - some answers

[January 11, 2018 update merged to the existing thread - admin alex] 1. Why I write so well.: My entire professional career was spent as a professional writer with numerous books, articles and even a few lectures. I have still retained most of this ability. What I lost was the ability to do researc...
by Finridge
Wed Aug 22, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 111
Views: 19704

Re: The Fall of Consumer Reports

I don't find CR as useful as I used to. But does the value of what I still learn from it more than make up for the subscription price, adn the time I spend looking through it?

Absolutely. It is still a good investment.
by Finridge
Thu Aug 16, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 9050

Re: Vanguard Switch to Brokerage Accounts

I also recommend NOT switching, if you have a choice.

It's been all hassle and no benefits. That is, I cannot think of a single good thing that changing to a brokerage account has brought us. But I can think of a lot of glitches and new restrictions.
by Finridge
Thu Aug 16, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1455

Re: Solutions for Printing from a Chromebook

Can you save as pdf to a USB stick? Then take the USB to the printer? +1. this is what my wife does when she needs to urgently print and i am not around for tech support. funny thing is that she has a windows 10 PC so the wireless printing issue is not chromebook-specific. I just looked into this, ...
by Finridge
Thu Aug 16, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1455

Re: Solutions for Printing from a Chromebook

Chromebooks are popular choice for Bogleheads, and I can see why. My wife and I each have one and love how easy the are to use. The only fly in the ointment is trying to print from the chromebook. We have a Brother multifuction machine (scanner, copier, fax, laser printer, etc.) as our printer. It'...
by Finridge
Thu Aug 16, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7213

Re: Men’s Underwear recommendation

Fruit of the Loom. Mr. Buffett probably wears them too since he purchased the company in 2002. Cotton is still my favorite fiber. It was for me also, until I discovered a 60% Rayon 40% Polyester blend. Hanes Comfortblend. Available via Amazon. I bought this by mistake a few months ago, but ended up...
by Finridge
Thu Aug 16, 2018 1:41 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5965

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

The "What book are you currently reading" thread has became one of my favorites, and led me too many new books I otherwise wouldn't have known about. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=147398&start=3150 Thanks to all who have contributed to that. I thought it might be useful to l...
by Finridge
Thu Aug 16, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7213

Re: Men’s Underwear recommendation

After years of exclusively using 100% cotton or cotton/polyester blends, I've discovered the superiority of 100% synthetic. Try it, you might like it...
by Finridge
Tue Aug 14, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5965

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

My best that you did not list Fiction: Thirteen Moons by Frazier Islands in the Stream by Hemingway Non-Fiction: Learned Optimism A Manual for Living by Epictetus https://www.amazon.com/gp/product/0062511114/ref=dbs_a_def_rwt_bibl_vppi_i1 T. S. Elliot complete poems and plays Messieurs Frost, Yeats...
by Finridge
Tue Aug 14, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1582

Re: Biking with 2 young children - what gear to get?

One more thing. For the biking you do, get a one of the new MIPS helmets. Bell and Giro both have helmet models that use MIPS technology.

http://mipsprotection.com/technology/
by Finridge
Tue Aug 14, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1582

Re: Biking with 2 young children - what gear to get?

Staying fit while taking care of young kids is always a challenge. What worked for us: - Exercise while the kids are in preschool or wherever. Often this isn't an option because they're not in preschool, or not in the same time... but if it is, you're golden. - One spouse exercises while the other w...
by Finridge
Tue Aug 14, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1455

Solutions for Printing from a Chromebook

Chromebooks are popular choice for Bogleheads, and I can see why. My wife and I each have one and love how easy the are to use. The only fly in the ointment is trying to print from the chromebook. We have a Brother multifuction machine (scanner, copier, fax, laser printer, etc.) as our printer. It's...
by Finridge
Mon Aug 13, 2018 4:33 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10870

Re: AAPL, AMZN, or GOOG?

Alexa9 wrote:
Tue Feb 27, 2018 5:36 pm
Apple has the cell phone/tablet industry on lock.
This is false.

Two out of every three smartphones sold are Android.Apple has only about 1/3rd of the market.

About three out of every four tablets is Android. Apple has only 1/4th of the market.
by Finridge
Mon Aug 13, 2018 4:28 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4674

Re: Decided on Chromebook, now need spec help

I would consider if it is it worth spending double to "future proof" it when you can just buy one and throw it out and buy another with better specs in a few years. Tech is always dropping in value and you almost always pay a premium on the feature/performance curve. I don't think it pays to overbu...
by Finridge
Mon Aug 13, 2018 3:58 am
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 5466

Re: Vacation- home precautions?

Devil's Advocate wrote:
Sat Jun 30, 2018 1:25 pm

These are good tips...I also have a couple "dogs". One stationed inside out of sight at each entrance. These electronic dogs use ultrasound I believe and will bark when someone walks up. Silent when no one movement is detected...

DA
Where can I get these "dogs" from? I want...
by Finridge
Mon Aug 13, 2018 1:03 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5965

Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

The "What book are you currently reading" thread has became one of my favorites, and led me too many new books I otherwise wouldn't have known about. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=147398&start=3150 Thanks to all who have contributed to that. I thought it might be useful to la...
by Finridge
Fri Aug 10, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22815

Re: "Don't Obsess About Expense Ratios"

UpperNwGuy wrote:
Mon Aug 06, 2018 6:47 pm
BlackHat wrote:
Mon Aug 06, 2018 5:10 pm
He's so right. I'm almost afraid that this zero expense ratio thing might be a bait and switch.
Can you give us a single example from the last 50 years of a brokerage who has engaged in bait and switch by lowering ERs only to later increase them?
Betterment
by Finridge
Thu Aug 09, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord advice needed with section 8
Replies: 38
Views: 3907

Re: Landlord advice needed with section 8

One of the best financial decisions I've made is to sell my rental and roll the proceeds into a three-fund portfolio. The ROI I'm getting is roughly similar, and it's a lot less work, and without the stress.
by Finridge
Thu Aug 09, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2227

Re: Anyone familiar with attic fans?

I was just reading about attic fans (attic fans, NOT whole-house fans) this morning, and some of the web pages I googled up said that they were a total waste--that the heat came into the house by radiative means and that the hot air was irrelevant. One web site compared using an attic fan to try to ...
by Finridge
Thu Aug 09, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1728

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

I got one of these at a price that was only a little higher. I ended up returning it. The hardware is OK, but the OS is crippling because it's not "real" Android. You cannot easily use and install apps from the Google Play Store. There is a work-around to this, but it's complicated and can be easily...
by Finridge
Tue Aug 07, 2018 1:24 am
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2418

Re: holding bonds-why or why not?

On the one hand, as every Boglehead agrees, bond (index) is an indispensable part of an investment portfolio; although equities have a higher return in the long run, sometimes bonds outperforms stocks. So we need bonds. Not every Boglehead agrees that a bond index fund is an indispensable part of a...
by Finridge
Fri Jul 27, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 52057

Re: MoviePass-Too good to be true, but it's legit.

As the thread title said, "Too good to be true." That turns out to be the case. People are not finding their passes unuseable.

https://money.cnn.com/2018/07/27/media/ ... index.html
by Finridge
Thu Jul 26, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2418

Re: Pet burial

Maybe its different in the eastern U.S., but if you are in the western U.S. you can usually find a out of the beautiful spot on public land where nobody care if you bury your pet. Cost: free.
by Finridge
Thu Jul 26, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 3147

Re: How to make opened bottles of wine last longer

For daily glass of wine when I don't want to open a whole bottle, I just use box wine now. There are reasonable quality box wines now (black box, bota box, etc -- google "Wine Spectator Box Wine") and they're intended to be kept open with their vacuum bag not getting air in it. This works for us as...
by Finridge
Thu Jul 26, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 121789

Re: [What TV Show Have You Recently Watched?]

I'm into Season 2 of Bloodline. The first season took some patience, and while I found just about every main character to be unlikable I was at least basically satisfied by how things played out. Now I'm a few episodes into the second season and having a hard time caring what happens to the Rayburn...
by Finridge
Thu Jul 26, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10950

Re: Toughest Purchase of my Life. Engagement Ring time

Can you afford it? Sure. By the usual guidelines of spending ~2 months paycheck on the engagement ring. I wouldn't do it though. Okay, I am going to go heavily against the prevalent culture here even though I might end up getting flamed for it. Please consider that this marriage tax was not present...
by Finridge
Mon Jul 23, 2018 4:01 am
Forum: Personal Investments
Topic: Why not go 100% stocks?
Replies: 127
Views: 16289

Re: Why not go 100% stocks?

Go the Warren Buffett route: 90% S & P 500; 10% bonds. Specifically 10% in "short-term government bonds" "My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.)" I think I read from...
by Finridge
Mon Jul 23, 2018 3:52 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 81
Views: 13969

Re: I may have understood why it's so hard to save and invest

Sometimes a picture is worth a 1000 words. This picture was copied from Michael Kitces' article, “Is 'Save For Decades, Then Quickly Double Your Money And Retire' Your (Unintentional) Retirement Advice!?” source: https://www.kitces.com/blog/is-save-for-decades-then-quickly-double-your-money-and-ret...
by Finridge
Mon Jul 23, 2018 3:38 am
Forum: Personal Consumer Issues
Topic: Weekly reading to increase knowledge on business / tech
Replies: 12
Views: 1318

Re: Weekly reading to increase knowledge on business / tech

I question whether there's any value in increasing knowledge about business & tech. But since that's the goal you've set yourself: I think that longform reads are going to be a better place to put your 30 minutes of reading a day instead of more short-form, primarily knee-jerk reaction content. And...
by Finridge
Sun Jul 22, 2018 2:42 am
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 5160

Re: Acceptable uses...New Financial Chromebook

Courtesy of Amazon prime day, I purchased a new chromebook for my financial transactions. What acceptable uses have you found for this dedicated computer. I plan to use it only to log into my brokerage and bank accounts. No email, messages, Facebook, or web surfing will be allowed on this dedicated...
by Finridge
Fri Jul 20, 2018 5:35 pm
Forum: Personal Investments
Topic: Why not go 100% stocks?
Replies: 127
Views: 16289

Re: Why not go 100% stocks?

Go the Warren Buffett route: 90% S & P 500; 10% bonds. Specifically 10% in "short-term government bonds" "My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.)" I think I read from...
by Finridge
Fri Jul 20, 2018 5:06 pm
Forum: Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 4737

Re: Need Your Feedback on 100% VTSAX

Hello, Thank you for all your answer to my questions during July 2017. After some research (bogleheads and JLCollins) and additional savings, I have decided to invest $55K in VTSAX (Admiral) over the course of the next three months. After that, I will be adding $1700 of monthly salary towards this ...
by Finridge
Fri Jul 13, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9380

Re: Be Careful Using Mailboxes

From the article: "The mail is mainly being stolen through a method known as “fishing,” where thieves attach objects dipped in a sticky substance to fishing line, drop them into USPS mailboxes, and pull out the envelopes inside. The crime tends to happen late at night, Harris noted."
by Finridge
Thu Jul 12, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 111069

Re: Pull-ups and Push-ups

Not "cheap" but one of the best purchases I've made... They have different models, some heavier and some lighter. (Lighter = less expensive.) A set of these and a pull-up bar - that is all you need. | https://www.amazon.com/PowerBlock-Elite-Dumbell-50-Pound-pair/dp/B00G7RHGNY/ref=lp_2598805011_1_2?s...
by Finridge
Thu Jul 12, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 7314

Re: Costco Membership

Don't get a Costco membership just for a one-time order of glasses. If you have a friend or family member who has a membership, see if they are OK taking you.