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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: 1123

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: 1644

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: 1846

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: 74
Views: 5056

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: 2856

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: 1846

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: 1846

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: 74
Views: 5056

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: 3386

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: 576

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: 3386

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: 69
Views: 7523

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: 1846

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: 74
Views: 5056

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: 16469

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: 74
Views: 5056

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: 74
Views: 5056

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: 74
Views: 5056

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: 779

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: 12421

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: 5350

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: 5350

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: 5350

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: 384

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: 1002

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: 3218

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: 2315

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: 2315

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: 3330

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: 3218

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: 2315

Re: Legal question[How do I file a claim in small claims cou

LadyGeek wrote:May I suggest getting professional legal assistance?

That is unlikely to be cost effective on a $2000 claim.
by Alex Frakt
Thu Apr 09, 2015 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Taxable Account with Vanguard for [resident aliens]??

I changed your thread title to more accurately reflect your situation. You need to call Vanguard back or fill out the form online again. They will not open accounts for Nonresident Aliens, but you are almost certainly a Resident Alien for tax purposes (see http://www.irs.gov/Individuals/Internationa...
by Alex Frakt
Thu Apr 09, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Account with Vanguard for [resident aliens]??
Replies: 5
Views: 410

Re: Probability question for math wizzes

2retire wrote:Person A's claim is based on anecdotal evidence. They pulled some numbers out of the air based on research, but no tests.

"42.7% of all statistics are made up on the spot." -- Steven Wright

I suspect that number is too low.
by Alex Frakt
Thu Apr 09, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Probability question for math wizzes
Replies: 7
Views: 1335

Re: Probability question for math wizzes

Moved to Personal Consumer forum - recreational activity.
by Alex Frakt
Wed Apr 08, 2015 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Probability question for math wizzes
Replies: 7
Views: 1335

Re: Vehicle Suggestions with 3 Kids

Here's 3 child seats rear facing. http://www.car-seat.org/showthread.php?t=237388 Those Sunshine Kids (now Diono) Radians are something of a last resort for people trying to get seats in smaller cars. They are the narrowest convertible seats available, but they are also expensive ($200-$300), heavy...
by Alex Frakt
Tue Apr 07, 2015 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle Suggestions with 3 Kids
Replies: 41
Views: 2399

Re: Vehicle Suggestions with 3 Kids

Don't fight it, the only logical choice is a minivan... This; It takes a while to accept but once you get over the depression & embarrassment it makes the most sense by a long way :D If I were unduly influenced by what other people think is cool, i wouldn't be an index investor :-) My only prob...
by Alex Frakt
Tue Apr 07, 2015 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle Suggestions with 3 Kids
Replies: 41
Views: 2399

Re: Vehicle Suggestions with 3 Kids

Get a minivan. We got one with our second child and love it. They are so convenient. You can have three car seats installed and still have space for 3 adults, a full-size unfolded stroller and miscellaneous bags. Unless you actually need the additional towing ability or ground clearance, the SUV opt...
by Alex Frakt
Tue Apr 07, 2015 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle Suggestions with 3 Kids
Replies: 41
Views: 2399

Re: Might Go $4,000 AAPL

I just posted this on another thread where someone wants to dump a stock because they don't like its current product lineup. The same answer applies here. Even more so, since the OP on this thread hits both of the most common errors of the active investor. Anyone here dumping stock because they hate...
by Alex Frakt
Tue Apr 07, 2015 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5182

Re: Get rid of stocks because you lost faith in company prod

Anyone here dumping stock because they hate the company and/or its products? I can't belive how these two companies do so well whe they produce inferior products. You are making the most basic error of the active investor (well, maybe second most, after performance chasing). You are confusing a com...
by Alex Frakt
Tue Apr 07, 2015 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Get rid of stocks because you lost faith in company product
Replies: 29
Views: 2105

Re: Hate where we live, do we make major changes?

Bustoff: What is that a photo of on your avatar? I do not recognize it. BT Right click on photo. Then from the drop down menu click on "Search Google for this image". 8-) I think that's only an option in Chrome. Here's the link for people using other browsers: https://www.google.com/searc...
by Alex Frakt
Sun Apr 05, 2015 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12077

Re: Trip to [Zihuatanejo] Mexico

Restarted thread. Please check posting dates. It's likely any advice now is too late for the OP.
by Alex Frakt
Fri Apr 03, 2015 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 3206

Re: No AA for the wealthy ?

Specifically I’ve been thinking about asset allocation. Of course the common wisdom is to allocate between stocks and bonds to level things out and provide protection during down times, but I wonder if there is a better strategy for those who can afford it.... What am I missing ? You are missing tw...
by Alex Frakt
Fri Apr 03, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: No AA for the wealthy ?
Replies: 25
Views: 2682

Re: Can consumers assess the value of life annuities?

Locked. From the forum policies: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: - ... - discussions of the crimes, shortcomings or stupidity of other people , whether they be political f...
by Alex Frakt
Wed Apr 01, 2015 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Can consumers assess the value of life annuities?
Replies: 7
Views: 780

Re: Do you not strive for success because it might offend ot

Locked. I'd like to remind everyone that general comment threads are off topic except for investing theory and news. If you have a question about what you should do in some situation, rather than asking what other people do, please ask directly and provide sufficient background information for thos...
by Alex Frakt
Wed Apr 01, 2015 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you not strive for success because it might offend others
Replies: 30
Views: 1647

Re: [Poll] Do you have an auto loan?

Locked. This was borderline off topic (general comment thread) to start with, and by now any informational content has been exhausted.
by Alex Frakt
Tue Mar 31, 2015 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 4528

Re: [living in] Minneapolis-St. Paul

One quick note about the weather. Three years living in Minneapolis, and 2 of those walking over a mile to work every day, made adjusting to the relatively mild Chicago winters a breeze. :-)
by Alex Frakt
Tue Mar 31, 2015 10:43 am
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3196

Re: [living in] Minneapolis-St. Paul

I lived and worked in Minneapolis from '93-'96 while my wife went to law school. From my experience (and the experience of a few of my wife's law school classmates whom I got to know well), it's two different states depending on whether you grew up there or are an outsider. For natives, social life ...
by Alex Frakt
Tue Mar 31, 2015 12:20 am
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3196

Re: Sued and won for drycleaner losing suit, suit now found.

I'm closing this down as the tone is turning mean-spirited. The issue has been resolved and everyone has had their fun, so there's no reason to let it slide further downhill.
by Alex Frakt
Mon Mar 30, 2015 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7843

Re: Bond Interest - No Where to Go But Up?

Unlocked. We need to keep this focused on the investor implications (if any) or it will be re-locked as general economic and economic policy threads are off-topic here.
by Alex Frakt
Mon Mar 30, 2015 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Interest - No Where to Go But Up?
Replies: 8
Views: 1135
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