Search found 36 matches

by The Woodbutcher
Sat Jan 16, 2021 6:30 pm
Forum: Personal Investments
Topic: Vanguard's service as Peanuts strip
Replies: 46
Views: 4018

Re: Vanguard's service as Peanuts strip

I understand the original poster's complaint and I have had similar frustrations on the few occasions that I have called Vanguard. However, I don't care who you call today (cable company, retail store, manufacturer of things in your home, 401(k) manager, etc.), customer service pretty much stinks ev...
by The Woodbutcher
Fri Dec 25, 2020 7:43 pm
Forum: US Chapters
Topic: "The Hills of Bastogne"
Replies: 93
Views: 6229

Re: "The Hills of Bastogne"

Taylor, Thank you for your service and for this incredible site. I don't post often, but I've benefitted greatly from all who share their knowlwdge here. In 2019, I served as a guardian on an Honor Flight from Cincinnati to Washington, DC. It was one of the greatest honors of my life. One of the vet...
by The Woodbutcher
Fri Dec 25, 2020 7:01 pm
Forum: US Chapters
Topic: My Christmas Gift to You
Replies: 71
Views: 9576

Re: My Christmas Gift to You

Taylor, Thank you for your service and for this incredible site. I don't post often, but I've benefitted greatly from all who share their knowlwdge here. In 2019, I served as a guardian on an Honor Flight from Cincinnati to Washington, DC. It was one of the greatest honors of my life. One of the vet...
by The Woodbutcher
Mon Nov 30, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7655

Re: New Truck Purchase

I drive a 2012 4X2 F150 with the Ecoboost engine. I purchased it in 2019 with 85K miles. I love the truck, especially the engine. I bought this truck based on how I intended to use it. With all of the options out there, I agree with many other posters that how you intend to use it should drive your ...
by The Woodbutcher
Thu Jun 04, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Pl recommend a garden hose
Replies: 32
Views: 2066

Re: Pl recommend a garden hose

I have used black rubber Craftsman hoses for many years. I would consider them to be above average hoses when it comes to durability, weight, etc. However, I use and abuse them a lot (dragging on concrete, dragging against landscape rocks, etc.) and I have historically chosen to fix them rather than...
by The Woodbutcher
Thu May 14, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5631

Re: Secrets to a great lawn

You might check out the Silver Cymbal YouTube channel. He has a specific videos discussing an annual lawncare program and he is in the Northeast (MA, I believe).
by The Woodbutcher
Mon Apr 20, 2020 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Vehicle Insurance
Replies: 13
Views: 1018

Re: Purchasing Vehicle Insurance

Thanks. Looks like I wasn't alone in asking this question. In addition, many posters never really received a specific answer. Maybe it just doesn't exist. I think the reference to asset allocation and risk tolerance makes sense. However, I also know that there are questionnaires, data (historical ga...
by The Woodbutcher
Mon Apr 20, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Vehicle Insurance
Replies: 13
Views: 1018

Re: Purchasing Vehicle Insurance

Thanks everyone for your replies. I did discuss it with my insurance company today (USAA) and they basically said that I had higher than normal coverage, but otherwise couldn't directly answer my question. We have had USAA for 39 years (very satisfied) and I believe they were being honest with me. T...
by The Woodbutcher
Sun Apr 19, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Vehicle Insurance
Replies: 13
Views: 1018

Purchasing Vehicle Insurance

I recently purchased a new motorcycle and was adding it to my coverage. It is my understanding that the purpose for insurance to to protect my assets and lessen my financial liability in the case of an accident. Therefore, it always strikes me as odd that the insurance company has never once asked m...
by The Woodbutcher
Fri Apr 17, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14630

Re: How many paid for kids' college?

My wife and I have three sons ages 25-30. All graduated from public universities in our home state of OH. Two are engineers and one has a business degree. All had > 4.0 GPA in HS and were active in varsity sports and all-state band. All received some levels of scholarships, but no where near free ri...
by The Woodbutcher
Thu Apr 16, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 9390

Re: Online / Gun Dealer Recommendations

I also have had great experience with Bud's and a locall FFL. However, my local range and Bud's both offer the Glock 19 at about the same price. This is not often the case. When it is, I like to support my local range who helped me to rent and test drive different firearms. Finally, if you are intre...
by The Woodbutcher
Tue Apr 07, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: good books on lawn care for beginners?
Replies: 25
Views: 1578

Re: good books on lawn care for beginners?

I realize the OP requested books, but I have found a couple of YouTube channels to be very helpful: Silver Cymbal and How To with Doc. I actually prefer Silver Cymbal because it is more focused on cool season grasses (which I have in OH).
by The Woodbutcher
Wed Jul 17, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 79
Views: 7488

Re: The Boglehead is anti-entrepreneur?

Many of the successful entrepreneurs that I worked with did some very Bogleheadish things. For example, many of them: Diligently managed expenses Avoided overspending for assets (often bought used) and eliminated lazy assets Managed cash flow in a disciplined way when it came to getting paid by cust...
by The Woodbutcher
Tue Jul 16, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 79
Views: 7488

Re: The Boglehead is anti-entrepreneur?

In a previous life, I had the opportunity to "consult" with many family owned businesses. My role was as a megacorp representative advising the distributors of our products to ultimately grow our brand. In this role, I had the opportunity to review the financials of many of theses business...
by The Woodbutcher
Sun Mar 31, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 2106

Re: Relocating - Raleigh / Durham

Thanks to everyone for all of your replies.
by The Woodbutcher
Sat Mar 30, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 2106

Re: Relocating - Raleigh / Durham

Here in Cincinnati, many of the older established neighborhoods are inside the I-275 loop. I would consider these suburban, but not downtown. I would consider the downtown area to be "urban". I'm sure there is a word for these types of neighborhoods, but it's not coming to my mind.
by The Woodbutcher
Sat Mar 30, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 2106

Re: Relocating - Raleigh / Durham

Thanks for your replies. Richmond, Williamsburg and over towards the bay are also on our list. That's about as far north as we would like to go, By suburbia, I do mean cookie cutter neighborhoods full of McMansions. We currently live outside of Cincinnati in that type of neighborhood. It was a great...
by The Woodbutcher
Sat Mar 30, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 2106

Relocating - Raleigh / Durham

My wife and I are planning to relocate in another 3-4 years. However, we would like to begin visiting potential areas. For instance, we are considering a few cities in the SE US including the Raleigh Durham area. Unfortunately, we don't know anyone in the area and I'm not sure that working with a re...
by The Woodbutcher
Sun Mar 17, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 5051

Re: Favorite investment quote

A view of the bay is worth half the pay
by The Woodbutcher
Fri Feb 22, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 111
Views: 12603

Re: Favorite youtube channels?

Here are some more: Sailing: Sailing La Vagabond Christian Williams Sailing Soulianis Tula's Endless Summer Car and Motorcycle: Jay Leno's Garage Forty Times Around FortNine Golf: Scratch Golf Academy Shooting: hickok45 22plinkster Paul Harrell Hiking: Darwin onthetrail Woodworking and Home: Jon Pet...
by The Woodbutcher
Sat Jan 26, 2019 2:54 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth - Earnings Portion
Replies: 5
Views: 299

Re: Mega Backdoor Roth - Earnings Portion

Thanks all. I'm all set.
by The Woodbutcher
Sat Jan 26, 2019 11:57 am
Forum: Personal Investments
Topic: Mega Backdoor Roth - Earnings Portion
Replies: 5
Views: 299

Re: Mega Backdoor Roth - Earnings Portion

If I withdraw the contribution and any earnings on the contribution prior to the tax deadline, I should be fine, correct?
by The Woodbutcher
Sat Jan 26, 2019 11:31 am
Forum: Personal Investments
Topic: Mega Backdoor Roth - Earnings Portion
Replies: 5
Views: 299

Mega Backdoor Roth - Earnings Portion

I'm working on 2018 taxes and discovered that I transferred both the after-tax contributions and earnings to my Roth IRA. In other words, I did not separate them to my Roth IRA and traditional IRA. What should I do to correct this mistake? I contributed to the mega backdoor Roth since we are above t...
by The Woodbutcher
Tue Oct 24, 2017 6:35 pm
Forum: Personal Investments
Topic: 401K Contribution Limits
Replies: 4
Views: 1034

Re: 401K Contribution Limits

Per my plan highlights, catch up contributions do not count against the salary limit or IRS limit. I'm not sure it that is unique to my plan, but I thought I'd post the answer in case anyone else has a similar question. The genesis of the question was to avoid hitting the limit and missing out on co...
by The Woodbutcher
Fri Oct 20, 2017 6:03 pm
Forum: Personal Investments
Topic: 401K Contribution Limits
Replies: 4
Views: 1034

401K Contribution Limits

My employer limits contributions to my 401k at the lesser of 27% of my pay or the IRS limit ($54K). Are catch-up contributions included in the 27% calculation? I know they are not in the IRS limit (i.e. I can save up to $60k).

Thanks
by The Woodbutcher
Thu Jun 29, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5079
Views: 1324026

Re: What Book Are You Currently Reading? Part VI

I just finished A Speck in the Sea about a Montauk fisherman an who fell overboard in the Atlantic and......great read
by The Woodbutcher
Thu Oct 27, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 70
Views: 10600

Re: First time Maui vacation - where to stay?

We've only stayed at the Marriott in Wailea (on points) and it was one of our best ever vacations. It was also nice having the small shopping center out front to purchase things we forgot or didn't want to pack. The Marriott had great pools and great beaches and had something for everyone to enjoy. ...
by The Woodbutcher
Sat Jul 30, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 8093

Re: Where to move

How about Cincinnati or Lexington, KY
by The Woodbutcher
Mon May 02, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 3444

Re: Wine Purchase Question

Why not do this. Have everyone bring two bottles of the same wine. Open one of everyone's bottles and do a blind taste test. Whoever has the most popular wine gets to keep everyone's second bottle. This encourages everyone to bring a good value wine. It is always fun to see what ends up being the &q...
by The Woodbutcher
Thu Dec 17, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Economic or Investment book recommendation
Replies: 7
Views: 722

Re: Economic or Investment book recommendation

At the risk of showing my political/economic biases, I offer these suggestions (he's probably read some of these):

Milton Friedman - Free to Choose
Thomas Sowell - a few to choose from
Hayek
Freakonomics
Dan Ariely
by The Woodbutcher
Sat Nov 28, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 47672

Re: Best (Available)Red Wine for under $15 preferrably under $10

I like Liberty School Cabernet Sauvignon, Orrin Swift's Location wines (I) and Monte Antico. I also second the MacMurray Ranch Pinot.
by The Woodbutcher
Tue Nov 24, 2015 9:30 pm
Forum: Investing - Theory, News & General
Topic: Does being a Boglehead make you want a career in finance?
Replies: 43
Views: 7316

Re: Does being a Boglehead make you want a career in finance?

I have also had the same thoughts and concerns. I am in sales, but I definitely try to provide solutions to my customers that add value to their business. I also have thought about doing financial planning after retirement from my current job. A fee only advisor seems to be most compatible with my &...
by The Woodbutcher
Wed Dec 04, 2013 8:01 pm
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 9569

Re: Wine for daily consumption?

We like Coppola Rosso and Monte Antico. Mark West Pinot Noir is also pretty good for. The price.
by The Woodbutcher
Mon Dec 02, 2013 8:45 pm
Forum: Personal Consumer Issues
Topic: Fort Myers Beach, Marco Island, or ?
Replies: 22
Views: 2897

Re: Fort Myers Beach, Marco Island, or ?

My wife and I stayed at South Seas Island Resort a few years ago and really enjoyed it.