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Re: Broke buy quarterly

I merged your two posts. To get the best advice, it's important to include all your investing information in one place.
by Alex Frakt
Mon Apr 27, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Broke buy quarterly
Replies: 4
Views: 99

Re: One Spouse Outearning the Other?

Locked. General comment threads are off-topic on the Personal subforums. The OP did not present a personal and actionable issue.
by Alex Frakt
Wed Apr 22, 2015 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 5256

Re: Neighbor is hoarder, piling garbage outside, collecting

I've removed several posts from this thread. Let's keep this discussion to the OP's question of what can be done rather than your favorite local hoarder horror stories.
by Alex Frakt
Mon Apr 20, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4713

Re: “Entry level” luxury cars under 40k

Husband here. Wife always raves about the quality of the discussions on this message board, and in this she is not wrong (nor is she in much of anything else). Just a few points of clarification. I've been completely utilitarian about cars my whole life. Currently driving a 2004 Civic with 105,000 ...
by Alex Frakt
Mon Apr 20, 2015 9:49 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 96
Views: 8401

Re: “Entry level” luxury cars under 40k

the talk of Subaru WRX's got me thinking... what about a Mitsubishi Lancer with AWD? Mitsubishi is barely hanging onto the US market. The Lancer hasn't received a major update in the last 10 years and thus Subaru (and everyone else) has far surpassed it in ride quality, interior quality and refinem...
by Alex Frakt
Mon Apr 20, 2015 9:05 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 96
Views: 8401

Re: “Entry level” luxury cars under 40k

In increasing price order:

- Subaru WRX (with optional wing so no one mistakes it for a sensible Soob)
- Ford Fusion AWD
- Subaru WRX STI (a base model squeaks in under $35k)
- BMW 228 xdrive (you'll have to be very careful with the options)
- Golf R (starts at $37k)
by Alex Frakt
Mon Apr 20, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 96
Views: 8401

Re: Overinflating Tires

All I know is that I use the manufacturer's recommended pressures and in my last two vehicles (SUV and wagon) and I've gotten 60,000+ miles per set of tires - I'm just about done with set number 3. I'm happy with that and see no reason to experiment in an attempt to get more. Are they Fords? :wink:...
by Alex Frakt
Mon Apr 20, 2015 12:30 am
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2778

Re: Sad calculation (max IRA contributions)

Locked. Non-actionable, policy, rant.
by Alex Frakt
Mon Apr 20, 2015 12:00 am
 
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1156

Re: “Entry level” luxury cars under 40k

But I now have the 2015 Audi 3 AWD for me. It is a great car. So much fun to drive. Has a luxury ride. Everything Audi in a smaller package. Easy to wash and wax too. Every day I can't wait to jump in there and take it for a spin. That says for me, a really great car. By the way---we can still have...
by Alex Frakt
Sun Apr 19, 2015 11:45 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 96
Views: 8401

Re: Overinflating Tires

The only pressure you should be putting on those tires is the one listed in the owner's manual . :!: That's for your safety, as the manufacturer has already taken temperature, load, driving conditions and a ton of other things into consideration. See: What Tire Pressure Should I Be Using? Your vehi...
by Alex Frakt
Sun Apr 19, 2015 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2778

Re: Bernanke's Blog: why are interest rates so low?

Merged above two posts to this thread. This whole discussion of the Feds power to set interest rates is borderline off-topic macroeconomic theory. But forecasting inflation is part of what is going on here, which may have an impact on portfolio construction, so we'll keep it open. But let's at leas...
by Alex Frakt
Sun Apr 19, 2015 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 6854

Re: Anyone here experience a change to a "right to work" sta

Locked. This forum requires that topics be actionable, this is simply too much of a hypothetical at this point to qualify.
by Alex Frakt
Sun Apr 19, 2015 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1437

Re: Do parents still charge their kids room and board?

Locked. From the posting guidelines for this subforum: Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed. The OP is free to repost 4+ years from now if this becomes more than...
by Alex Frakt
Sun Apr 19, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do parents still charge their kids room and board?
Replies: 9
Views: 821

Re: “Entry level” luxury cars under 40k

The German luxury makes all come with eye-watering upkeep costs once any free maintenance ends, a requirement of premium gas and likely higher insurance premiums from day 1. A more reasonable option would be the Ford Fusion Titanium AWD. It looks like an Aston Martin (from the front anyway), is load...
by Alex Frakt
Sun Apr 19, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 96
Views: 8401

Re: Can you help me solve this brainteaser about allocation?

The underlying issue is the mistaken assumption that allocation decisions are ultimately mathematically solvable. Allocation decisions need to be based on human, not mathematical, criteria. In this case we have conflicting criteria between maximizing expected return (presumably risk-adjusted return...
by Alex Frakt
Sun Apr 19, 2015 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Can you help me solve this brainteaser about allocation?
Replies: 55
Views: 2709

Re: Can you help me solve this brainteaser about allocation?

The underlying issue is the mistaken assumption that allocation decisions are ultimately mathematically solvable. Allocation decisions need to be based on human, not mathematical, criteria. In this case we have conflict between two goals: maximizing expected return (presumably risk-adjusted returns)...
by Alex Frakt
Sun Apr 19, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Can you help me solve this brainteaser about allocation?
Replies: 55
Views: 2709

Re: What Guaranteed Return Would You Require to Move All Ass

This is fundamentally a question about inflation expectations. It's easy to give an answer in real dollar terms. But, IMO, there is no point in trying to give one in nominal terms unless you rate the chance of hyperinflation during the investing period as zero.
by Alex Frakt
Sun Apr 19, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3153

Re: What Guaranteed Return Would You Require to Move All Ass

Unlocked. This is an investing theory question. Let's keep the discussion to the OPs question, rather than his intent.
by Alex Frakt
Sun Apr 19, 2015 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3153

Re: [retired guy said] terrible crash is coming

OK. We've had our fun, but it looks like we've exhausted the informational content of this topic.
by Alex Frakt
Sun Apr 19, 2015 8:23 am
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8370

Re: Abbreviation: "OP"

http://www.google.com makes one smart, but read this about that: http://www.telegraph.co.uk/news/science/science-news/11507200/Google-makes-people-think-they-are-smarter-than-they-are.html Interesting article. By the way, what does "how does a zip work" mean? Google finds me explanations ...
by Alex Frakt
Fri Apr 17, 2015 10:07 am
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1150

Re: FYI, just got the following error message [too many clie

We've made some changes that should fix this problem, please let us know if you get this (or any other) error in the future.
by Alex Frakt
Thu Apr 16, 2015 9:50 pm
 
Forum: Forum Issues and Administration
Topic: FYI, just got the following error message [too many clients]
Replies: 10
Views: 1693

Re: Buy new Acura? Nearest dealer service is 125 miles away

Do you have any tips on locating Honda specialists that are not dealers? I found mine through Car Talk's Mechanics Files which is a user generated list of recommended mechanics with reviews. Here's their listing for Haas, Inc (formerly The Honda Clinic), which is what I use: http://www.cartalk.com/...
by Alex Frakt
Thu Apr 16, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Buy new Acura? Nearest dealer service is 125 miles away
Replies: 23
Views: 1893

Re: Vehicle for tall people/Spouse wants 50k car help!

My wife and I are in the market for a new vehicle, preferably SUV. We sold my wife's beater several months ago and I drive a 100k+ mile ford sedan that was purchased for 3k in 2011 ( I plan on driving this car as long as it runs). We have a baby at home and plan to have at least 2 more children in ...
by Alex Frakt
Thu Apr 16, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5548

Re: 2015 net worth survey

It's going to stay locked. And these types of threads will continue to be locked or removed. We consider these threads off-topic because we have found that a very high percentage of non-actionable threads end up requiring moderator intervention because they stray into personal attacks or politics. ...
by Alex Frakt
Thu Apr 16, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2926

Re: Buy new Acura? Nearest dealer service is 125 miles away

If you read his post closely, you don't have to take your car to even a Honda dealership to do your maintenance. Any licensed mechanic will do. As long as you have records, they will honor your warranty. You don't even need a mechanic to do the work. You can do it yourself as long as you keep the r...
by Alex Frakt
Thu Apr 16, 2015 9:27 am
 
Forum: Personal Consumer Issues
Topic: Buy new Acura? Nearest dealer service is 125 miles away
Replies: 23
Views: 1893

Re: Buy new Acura? Nearest dealer service is 125 miles away

> Thinking about an Acura RDX but one concern that I have is that the nearest dealer service facility is 125 miles away, You don't say whether there is a different brand dealer that is much nearer. For all we know you live in the middle of North Dakota 125 miles away from everything. There's a loca...
by Alex Frakt
Wed Apr 15, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Buy new Acura? Nearest dealer service is 125 miles away
Replies: 23
Views: 1893

Re: Vehicle for tall people/Spouse wants 50k car help!

You could check out a volkswagen passat. I'm 6'6" and got one last year. It is extremely comfortable. I don't even place the front seat all the way back. Great lumbar support. The rear legroom is amazing, as is the trunk space. For a tall person, it is more comfortable than most SUVs. I suspec...
by Alex Frakt
Wed Apr 15, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5548

Re: Raising well-adjusted children when you're "rich"?

I'm going to append my response to a PM I received about this lock in the hopes it gives everyone a better understanding of why we set up our policies the way we have: We consider these threads off-topic because we have found that stuff like the arguments over private versus public schools are inevi...
by Alex Frakt
Wed Apr 15, 2015 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3466

Re: investing through statefarm

Don't do it. Everything sold by an Insurance agent has a markup to cover their compensation. This is unavoidable on the insurance products you need like auto policies and perhaps term-life insurance. But there is no point on paying this markup for products that are available from other places withou...
by Alex Frakt
Wed Apr 15, 2015 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing through statefarm
Replies: 7
Views: 594

Re: Raising well-adjusted children when you're "rich"?

Locked. There doesn't appear to be an specific, actionable question at the heart of this thread, thus we are already seeing divisive tangents.
by Alex Frakt
Wed Apr 15, 2015 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3466

Re: [random politician said] terrible crash is coming

title edited so thread doesn't keep getting reported
by Alex Frakt
Wed Apr 15, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8370

Re: Buy new Acura? Nearest dealer service is 125 miles away

I've had my 2003 Acura TL serviced by a local non-factory Honda specialist since it was new. The only times I've gone to the dealer were for 1 warranty and 1 recall visit. There were no issues related to my not using a dealer. And the warranty visit was for a new transmission (this generation of Acu...
by Alex Frakt
Wed Apr 15, 2015 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Buy new Acura? Nearest dealer service is 125 miles away
Replies: 23
Views: 1893

Re: Vehicle for tall people/Spouse wants 50k car help!

Here's an alternative plan. You could check out a volkswagen passat. I'm 6'6" and got one last year. It is extremely comfortable. I don't even place the front seat all the way back. Great lumbar support. The rear legroom is amazing, as is the trunk space. For a tall person, it is more comforta...
by Alex Frakt
Wed Apr 15, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5548

Re: Cost of College & Weighing the Merits of Top Schools

From the forum policies: Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content o...
by Alex Frakt
Tue Apr 14, 2015 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16765

Re: Vehicle for tall people/Spouse wants 50k car help!

See if you can get her to test drive a Ford Flex as well as (or instead of) the minivans. It's on Consumer Reports list of the ten best cars for tall people , has more interior space than the GX460, and gets generally favorable comments on car-seat.org. BTW, big SUVs are really not optimal if you ha...
by Alex Frakt
Tue Apr 14, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5548

Re: Vehicle for tall people/Spouse wants 50k car help!

I'm 6'5, 205 lbs and tried out about 15 vehicles before deciding on a Subaru Forester. The Forester, by far, had the best head room of the ones I tried (I tried out various vehicles from Acura, BMW, Infiniti, Lexus, Honda and Toyota). This is also the first car I've owned where I had to move the se...
by Alex Frakt
Tue Apr 14, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5548

Re: Vehicle for tall people/Spouse wants 50k car help!

Get a minivan. All the headroom and legroom you need, will accommodate all of your future kids (and unfolded, full-size strollers!), and you can get a new one with all the bells and whistles for around 40k. Seriously, try to at least get her to take a test drive. My wife didn't want a minivan either...
by Alex Frakt
Tue Apr 14, 2015 10:59 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5548

Re: Maryland prepares for $200M hit from Supreme Court tax c

Locked. Non-actionable speculating on court action. When there is a final decision, (and if you feel the need) you may post to ask about the ramifications for your personal situation.
by Alex Frakt
Tue Apr 14, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Maryland prepares for $200M hit from Supreme Court tax case
Replies: 4
Views: 787

Re: Household Gross Income Poll

Locked. Non-actionable.
by Alex Frakt
Tue Apr 14, 2015 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12542

Re: How does this site make money?

BTW, the amazon referrals add around $7.5k per year. I'm surprised (in a good way) that an Amazon referral site can generate that much $? I just checked and it's more like $12,000 a year now :D The referral fees vary by type of product, but it averages out to nearly 7%! Earnings Report Totals - Jan...
by Alex Frakt
Sat Apr 11, 2015 10:07 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5409

Re: How does this site make money?

A note on Payal. Larry and I have kept Bogleheads.org non-commercial, but it is not a charity. So Paypal takes its standard cut of 2.9% and a 30 cent transaction fee from every transaction, regardless of whether you do it by balance transfer or credit card. Which, incidentally, is why Paypal pushes...
by Alex Frakt
Sat Apr 11, 2015 7:47 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5409

Re: How does this site make money?

Thanks everyone for the kind words and support. A note on Payal. Larry and I have kept Bogleheads.org non-commercial, but it is not a charity. So Paypal takes its standard cut of 2.9% and a 30 cent transaction fee from every transaction, regardless of whether you do it by balance transfer or credit ...
by Alex Frakt
Sat Apr 11, 2015 4:08 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5409

Re: Social Security withholding tax ??

It appears you asked the same question back in 2008. I imagine the replies you received then are worth a second look. Here's the thread: viewtopic.php?f=2&t=162782
by Alex Frakt
Fri Apr 10, 2015 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security withholding tax ??
Replies: 2
Views: 387

Re: Dealing with personal finance anxiety

This is a medical issue rather than a personal finance issue, so the thread will stay locked.
by Alex Frakt
Thu Apr 09, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with personal finance anxiety
Replies: 5
Views: 1012

Re: Should I renege [on a] job offer?

Let me sum up what you have said so far. You like everything about the consulting job. You hate everything about the banking job. The pay at the latter is better, but the former is enough to live on comfortably and you've already accepted a position there.

Why are you even considering this?
by Alex Frakt
Thu Apr 09, 2015 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 45
Views: 3251

Re: Best US city to spend Xmas

Thanks for the responses and sorry for not being more informative.We have been to Maui several times so that is out.Lived my entire life in the SF Bay Area so severe weather to me is anything below 50 degrees New Orleans then. A great place for a vacation in general, plenty of Christmas events and ...
by Alex Frakt
Thu Apr 09, 2015 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2344

Re: Best US city to spend Xmas

If we're going off-topic (non-US), I can recommend Vienna or a German city such as Aachen or Cologne. No-one does Christmas better than the Germans & Austrians. Outdoor Christmas markets with lights, music, and Gluehwein stands... Magical. Nobody? Try Krakow. Similar setup with better prices in...
by Alex Frakt
Thu Apr 09, 2015 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2344

Re: Am I justified in being angry with executor?

I don't want to talk to the executor because every time I do, he lies to me. He will tell us he will do something but never does it. It's a waste of my time to communicate with him and his paralegal is just as bad. If there was any way to get this out of his hands now, I would. You need to hire to ...
by Alex Frakt
Thu Apr 09, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 3350

Re: Should I renege [on a] job offer?

If you can live comfortably on the salary from the consultant position, the schedule alone would be reason enough for me not to renege. BTW, it sounds like Goldman isn't actually paying you more (and may be paying you less) on an hourly basis.
by Alex Frakt
Thu Apr 09, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 45
Views: 3251

Re: Best US city to spend Xmas

Do you want a city that has lots of Christmas-related activities or just a place to vacation during that week? Or something else?
by Alex Frakt
Thu Apr 09, 2015 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2344
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