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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: 44
Views: 1904

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: 44
Views: 1904

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: 7661

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: 1061

Re: Looking for advice starting out.

A Roth IRA is perfect for your situation. Put it all in either Vanguard LifeStrategy Growth (my preference) or Vanguard Target Retirement 2050. These are balanced funds (US and international stocks and bonds) and you won't need to do any tweaking or even revisit these for 10 years or until you have ...
by Alex Frakt
Mon Mar 30, 2015 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice starting out.
Replies: 5
Views: 309

Re: Improving English Language Proficiency- Please suggest B

Please keep (get this back) on track. This is not the thread to argue points of grammar or tilt at usage windmills.
by Alex Frakt
Mon Mar 30, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3088

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

For those stuck in dreary locations, here is a map showing where you are now and where should move to escape. 8-) http://www.dispatch.com/content/graphics/2015/03/26/gray-days.jpg?__scale=w:300,h:375 http://us-climate.blogspot.com/2015/03/dreary-weather.html Riverside, Bakerfield, El Paso, Henderso...
by Alex Frakt
Mon Mar 30, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 92
Views: 6317

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

.....Remember that each $1 of pension income replaces $25 of savings (assuming a 4% withdrawal rate). Why? Why isn't $1 = $1? If you assume a 4% withdrawal rate, then you need $25 in savings to generate $1 of retirement income. In other words, you would require $1 million in investments to generate...
by Alex Frakt
Sun Mar 29, 2015 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 92
Views: 6317

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

.....Remember that each $1 of pension income replaces $25 of savings (assuming a 4% withdrawal rate). Why? Why isn't $1 = $1? If you assume a 4% withdrawal rate, then you need $25 in savings to generate $1 of retirement income. In other words, you would require $1 million in investments to generate...
by Alex Frakt
Sun Mar 29, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 92
Views: 6317

Re: Recurring utility bills - How do you pay?

Locked. I'd like to remind everyone that general comment threads are off topic in the forums with "Personal" in the title. 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 info...
by Alex Frakt
Sun Mar 29, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 2928

Re: "Employees Forgo Wellness Cash Incentives Worth Millions

Locked. Non-actionable and not personal. ACCEPTABLE TOPICS AND SUBFORUM GUIDELINES Personal Finance [T]opics 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.... Non-actionable (Trolling) To...
by Alex Frakt
Sun Mar 29, 2015 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Employees Forgo Wellness Cash Incentives Worth Millions"
Replies: 30
Views: 2739

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

1) Stay here, keep banking $, and retire when she is 58 with full pension and more than enough $$ to last us going forward. 2) Split the difference and stay here for 8 years and bank everything we can, at which time we'll both quit when daughter graduates, leave for an area we love, and either I fi...
by Alex Frakt
Sun Mar 29, 2015 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 92
Views: 6317

Re: Improving English Language Proficiency- Please suggest B

I teach composition at a university with many brilliant students who speak English as a second language. My advice to them is the same as my advice to native speakers, when they ask how to improve their writing style: Read more long-form journalism and essay... A one-stop source for such writing is...
by Alex Frakt
Sun Mar 29, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3088

Re: Availability of doctors accepting Medicare

Locked. General comment threads are off-topic here. Anecdotes about insurance acceptance tell you nothing about the situation in any specific area (and are very likely to result in off-topic policy or political posts).
by Alex Frakt
Sat Mar 28, 2015 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Availability of doctors accepting Medicare
Replies: 12
Views: 999

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

Based on some of the comments above and after receiving the following message, I'm locking this as something that would be better discussed with the recipient's caregivers. This is a specific medical issue that should be removed. "Appropriate gifts" for a demented person depend very much o...
by Alex Frakt
Sat Mar 28, 2015 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 1408

Re: Whats a good multi vitamin?

locked. it's apparently impossible to answer this without getting into off-topic medical advice.
by Alex Frakt
Sat Mar 28, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1196

Re: Improving English Language Proficiency- Please suggest B

Actually, English has changed dramatically over the centuries already. That doesn't mean that a well-educated person ignores current spelling and grammar; to do so makes them seem ignorant. Well call me ignorant, but I refuse to abide by a select few of the spelling changes that Noah Webster manage...
by Alex Frakt
Thu Mar 26, 2015 2:15 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3088

Re: Need a tablet maybe

I tried an android b/c it was cheaper but found it very awkward to surf or email or change apps or use youtube and I found an apple is much more user friendly and easily worth the extra cost. I'm the opposite, to me everything about the user interface seems backward on an iPad. I find them very fru...
by Alex Frakt
Thu Mar 26, 2015 12:33 am
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1862

Re: Improving English Language Proficiency- Please suggest B

Actually, English has changed dramatically over the centuries already. That doesn't mean that a well-educated person ignores current spelling and grammar; to do so makes them seem ignorant. Well call me ignorant, but I refuse to abide by a select few of the spelling changes that Noah Webster manage...
by Alex Frakt
Thu Mar 26, 2015 12:26 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3088

Re: Need a tablet maybe

I bought this $139 8" Lenovo IdeaTab - http://www.amazon.com/Lenovo-IdeaTab-A8-50-8-Inch-Tablet/dp/B00JAIEAU4?tag=bogleheads.org-20 - for my mother-in-law. She likes it very much and uses it for web surfing, e-mail, Skype video and voice calls, and taking photos and videos of the grandkids. Fro...
by Alex Frakt
Wed Mar 25, 2015 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1862

Re: Obamacare subsidy and Roth IRA conversion

It should be included in MAGI (Modified AGI) as a deduction because it's an "anomaly" to include it and it's not part of disposable income, so to speak. In fact, we are paying extra taxes for the conversion, therefore reducing disposable income, and thus less afford health insurance if no...
by Alex Frakt
Wed Mar 25, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare subsidy and Roth IRA conversion
Replies: 13
Views: 2387

Re: Help w/ adult child hard-wired for poor financial decisi

I have to shut this down. It's not really a financial discussion and issues of interpersonal financial dynamics are beyond the scope of our allowable topics. I do appreciate the level of civility displayed in the responses. We may try to figure out a way to tweak our rules to allow such discussions...
by Alex Frakt
Wed Mar 25, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4669

Re: Building a new house. Any recommendations?

Some previous threads on this topic: http://www.bogleheads.org/forum/viewtopic.php?p=539899 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=148681 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=107851 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=73130 http://www.bogleh...
by Alex Frakt
Tue Mar 24, 2015 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 51
Views: 4354

Re: CNBC - "401(k) plans have fallen short"

Locked. This isn't an investing subject, it a corporate policy subject mixed with a little off-topic "discussions of the crimes, shortcomings or stupidity of other people". .
by Alex Frakt
Tue Mar 24, 2015 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: CNBC - "401(k) plans have fallen short"
Replies: 4
Views: 840

Re: Where do I learn how much one SHOULD spend on a home?

Why buy? Well, the reason I figured I need to buy is for financial reasons only. That way my money is going toward equity. Today, I'm wasting $1,800/month on rent alone for a small rambler built in 1969. Rent is high, I figure a mortgage after taxes and all would be a few hundred less a month, and ...
by Alex Frakt
Tue Mar 24, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5123

Re: Improving English Language Proficiency- Please suggest B

Epsilon delta - I love to read, and in fact, my English is as good as it is, mostly because of reading (read quite a few books by Sidney Sheldon while in college). The reason, why I also wanted a grammar book is there are times when I have to think about rules before I say or write something. So, I...
by Alex Frakt
Tue Mar 24, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3088

Re: [Neighbor violating HOA rules by using] VBRO and Airbnb

This is the HOAs responsibility. Here's how this was handled in my condo building, which has professional property management and a Board with a low tolerance for people violating our rules. We have a 6-month minimum on rentals. One person put up their unit on Airbnb. Someone spotted it and notified...
by Alex Frakt
Tue Mar 24, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3869

Re: What won't you pay with Credit Card?

Reopening after removal of several off-topic posts.
by Alex Frakt
Mon Mar 23, 2015 1:11 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8305

Re: Need a new sub-forum for guns?

It's probably just me but I don't see the point of asking gun questions on an investing forum. I wouldn't go to a gun forum to get investing advice. I wouldn't go to a craft forum for gardening advice. ... I think people develop a sense of belonging to a community when they are active on a forum fo...
by Alex Frakt
Sun Mar 22, 2015 11:33 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 17
Views: 1591

Re: Whats a good Pistol to buy?

I agree with a large portion of the recommendations here, although I'd highlight: - Make darn sure you understand all firearm and handgun laws for all country, states & localities that you plan to RV through. CA is probably the worst US state to own a handgun in. Very minor infractions to gun l...
by Alex Frakt
Sat Mar 21, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7853

Re: foreign investor: 0% tax on capital gain, 30% on dividen

It appears to me that your underlying issue is finding the best way for someone from country ___ to invest. While using a US brokerage may be the least costly method up front, tax issues may dictate that another approach is preferable in the long run. This is outside my area of knowledge, but perhap...
by Alex Frakt
Sat Mar 21, 2015 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient investing for a non-resident alien?
Replies: 7
Views: 400

Re: foreign investor: 0% tax on capital gain, 30% on dividen

Why use a US brokerage at all if you do not live here?
by Alex Frakt
Sat Mar 21, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient investing for a non-resident alien?
Replies: 7
Views: 400

Re: Hearse as daily driver?

Hearse and funeral car collecting and modding is an established, if smallish, part of US car culture. Here's a google search to get you started: https://www.google.com/search?q=hearse+collectors+club
by Alex Frakt
Fri Mar 20, 2015 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3727

Re: Whats a good Pistol to buy?

Just a note on travelling through states with a firearm (as opposed to residents travelling within their own state). Federal law allows you to transport unloaded firearms and ammunition as long as they are in an inaccessible trunk or locked container other than a console or glovebox. This trumps any...
by Alex Frakt
Fri Mar 20, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7853

Re: Portfolio Review 32/37 year olds

I'll start this off. The first point is you are doing fine, there are no glaring problems with your plans or holdings. I suspect this is actually why you haven't received more responses. I'm just going to address a couple of your questions, I hope (once this is bumped), others will fill in the rest....
by Alex Frakt
Fri Mar 20, 2015 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review 32/37 year olds
Replies: 6
Views: 1080

Re: Trusts taxes distributions

bump following delayed moderator approval
by Alex Frakt
Fri Mar 20, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trusts taxes distributions
Replies: 4
Views: 391

Re: Job Opportunity

bump following delayed moderator approval
by Alex Frakt
Fri Mar 20, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity
Replies: 5
Views: 561

Re: Need tax loss to offset capital gain [from property sale

You do understand that tax losses mean you have an actual loss of value in the investment? So what you are asking is for a way to lose $161,000 in investments so you won't have to pay $24,150 in capital gains taxes. If you have millions of dollars worth of stocks in a taxable account, the normal flu...
by Alex Frakt
Fri Mar 20, 2015 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need tax loss to offset capital gain [from property sale]
Replies: 9
Views: 481

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

I'm in the "Buy new and run it into the ground" camp. Here are my car purchases (price is for everything except sales tax) - 1991 Peugeot 405 - $10k - paid cash (got it for 40% off invoice when Peugeot abandoned the US market) - 1997 Subaru Outback Sport - $17k - took a 5 year loan, paid o...
by Alex Frakt
Thu Mar 19, 2015 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 71
Views: 4134

Re: >$250,000 portfolios with Vanguard? Insurance?

http://www.sipc.org/for-investors/what-sipc-protects SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most cu...
by Alex Frakt
Thu Mar 19, 2015 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 19
Views: 3033

Re: Book on Economics

Locked. It's nearly impossible to separate politics from economics at this level.
by Alex Frakt
Thu Mar 19, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Book on Economics
Replies: 2
Views: 456

Re: Children's Swingset

Are these kids boys or girls? Sorry to be sexist but a tree house/swing set is probably okay for girls but boys would probably do better with stacks of boards/lumber, wooden boxes, and some shovels to dig and build forts. Sad but true the dirtier the kids get the more fun they're having. My son goe...
by Alex Frakt
Thu Mar 19, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2620

Re: Should William McNabb III be chairman of Vanguard's boar

This thread has been reported as off-topic. Generally speaking, question about any company's internal governance would be off topic as non-actionable except in the context of whether to invest in or - in the case of a financial institution - with that company. So in order to keep this thread open, ...
by Alex Frakt
Wed Mar 18, 2015 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: Should William McNabb III be chairman of Vanguard's board?
Replies: 8
Views: 1301

Re: Mr. Money Mustache: Hero or Foolish?

Millennial followers of MMM might want to ask their parents about The Whole Earth Catalog and Mother Jones magazine. Mother Jones is still around, but is, and always has been, political in orientation. Perhaps you're thinking of The Mother Earth News . Also still around, but much changed in style, ...
by Alex Frakt
Fri Feb 13, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 71553

Re: What is the BH consensus on international bonds?

So either you need to time the market, or you truly have to believe that over long enough periods of time there will be a hair-thin net benefit. (Which is exactly what Vanguard says--over the not-actually-very-long period of time they looked at, there was a spider-silk-thin average net benefit). We...
by Alex Frakt
Fri Feb 13, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4039

Re: Mr. Money Mustache: Hero or Foolish?

I think the blog is a reflection of a cultural shift, think tiny house movement or living off grid. It's not a shift, it's the current iteration of a subculture that dates back at least to Epicurus, but has been more generally practiced since the mid-1800s when the aftermath of the industrial revol...
by Alex Frakt
Fri Feb 13, 2015 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 71553

Re: What is the BH consensus on international bonds?

If you are holding bonds for stability, then it doesn't make sense to use securities that are subject to major currency fluctuations. I did consider a fund that held Int. bonds. Glad now that I did not. Wasn't worth the extra currency risk. Vanguard's Total International Bond Index Fund hedges its ...
by Alex Frakt
Fri Feb 13, 2015 11:45 am
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4039

Re: What is the BH consensus on international bonds?

Consensus is probably too strong a word. However, I think it's fair to say that most Bogleheads have a 0% planned allocation to international bonds (although they may hold some anyway because Vanguard has added them.to various funds in the last couple of years) If you are holding bonds for stability...
by Alex Frakt
Fri Feb 13, 2015 2:06 am
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4039

Re: age 30... [portfolio advice requested]

FYI, I edited the title from "If you could start over at age 30...". On the subforums with Personal in the title, questions need to be about your situation. If you have a general (i.e., not personal) investing question, please ask it in Investing - Theory, News & General.
by Alex Frakt
Fri Feb 13, 2015 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: age 30... [portfolio advice requested]
Replies: 22
Views: 2668

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

I'd first make sure all active Bogleheads sign the petition - post a message on the homepage (temporarily) and/or send an email to all registered users. I'm not going to do either of those things. The first suggestion seems self-serving to me. I'm happy to provide a place for people to discuss it a...
by Alex Frakt
Fri Feb 13, 2015 1:44 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11633
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