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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: 434
Views: 65872

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: 3750

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: 434
Views: 65872

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: 3750

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: 3750

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: 2547

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: 174
Views: 9953

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

OMG.....we have 330 and need 99,670 more signatures by four weeks from tomorrow !! It'll take over 3,500 signatures per day to do this. We need all BH's to sign right away. Realistically, bogleheads.org readers won't be able to do this on our own. It'll have to spread to other sites. Maybe our vari...
by Alex Frakt
Thu Feb 12, 2015 12:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9953

Re: Forgot to take RMD.. now what?

Please note, advising someone to break the law is unacceptable on this forum.
by Alex Frakt
Thu Feb 12, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forgot to take RMD.. now what?
Replies: 27
Views: 2772

Re: Reuters: The Case for an Efficient Cup of Coffee

Locked. A reminder from the forum policies: UNACCEPTABLE TOPICS Non-actionable (Trolling) Topics... - discussions of the crimes, shortcomings or stupidity of other people , whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal &quo...
by Alex Frakt
Thu Feb 12, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Reuters: The Case for an Efficient Cup of Coffee
Replies: 7
Views: 1324

Re: How much is a safe car worth?

Locked. This thread is a good example of why we consider general comment threads to be off-topic in the Personal forums: viewtopic.php?f=3&t=112988
by Alex Frakt
Thu Feb 12, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9029

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Moved to the Bogleheads Community forum, it's not really an investing topic. I signed the petition. I don't know if petitions can be edited, but if so it should also be noted that he created the first no-load mutual funds, which has lowered costs for countless investors, whether or not they own Vang...
by Alex Frakt
Wed Feb 11, 2015 4:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9953

Re: How to pay Fica for Employee [who is a parent]

One more thing. You need to check your state's laws regarding both state income tax withholding (if any) and unemployment taxes. Apparently most follow the feds on this, but it's not guaranteed.
by Alex Frakt
Wed Feb 11, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay Fica for Employee [who is a parent]
Replies: 11
Views: 684

Re: How to pay Fica for Employee [who is a parent]

Back to the OP's question. According to this article http://www.marketwatch.com/story/tax-rules-for-hiring-family-members-2012-03-27 , it doesn't look like anyone owes federal payroll taxes in this case, nor do you issue a W-2. The parent should report the income on their own 1040: [The tax speciali...
by Alex Frakt
Wed Feb 11, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay Fica for Employee [who is a parent]
Replies: 11
Views: 684

Re: How to pay Fica for Employee

Are you incorporated (e.g., C-CORP, S-CORP) and using that vehicle to hire your parents? If not, I do not believe the wages are reported at all (FICA wages or income wages) since you are not deducting it as a business expense. This is incorrect. If you have an employee, you generally have to report...
by Alex Frakt
Wed Feb 11, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay Fica for Employee [who is a parent]
Replies: 11
Views: 684

Re: Mr. Money Mustache: Hero or Foolish?

I started a poll to get the final definitive Bogleheads answer whether MMM is hero or foolish. Victoria I wonder why the poll got locked while this thread has been going on for many pages without getting locked. Kevin Because we often let borderline threads continue if they stay civil and don't res...
by Alex Frakt
Wed Feb 11, 2015 12:54 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 434
Views: 65872

Re: Poll: Is MMM a force for good?

Locked. This isn't an investing topic as presented, so it doesn't fit here. And it's off-topic in the Personal subforums, since it's not personal.
by Alex Frakt
Wed Feb 11, 2015 12:46 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Is MMM a force for good?
Replies: 34
Views: 2918

Re: Samsung Strikes Again .. Ad Injection

Merged and locked. General comment (i.e. non-personal) threads are off-topic on this subforum - see https://www.bogleheads.org/forum/viewtopic.php?f=3&t=112988 for details. An example of a thread that would qualify as personal would be something like: I need a new TV and was looking at a Samsun...
by Alex Frakt
Wed Feb 11, 2015 12:17 am
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 524

Re: DH and I are buying bicycles

Ok, now I'm concerned that my dad is setting me up for a day of bike-induced misery. You should be wary. 70 miles is a very long ride for an inexperienced cyclist. Even if the legs and back can handle it, think about sitting on that seat for 5-7 hours :shock: In general, recumbent riders tend to be...
by Alex Frakt
Mon Feb 09, 2015 4:29 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

Re: Car issues. [2009 Cadillac CTS - fix or sell]

I can't speak of PowDay, but the reason I suggested a Legacy wagon is that it appears to meet the requirements set out in the original post: I have a family and will be expanding in the next year or so, so I would like something with semi-modern technology and safety features - Nav, AWD (live in PA)...
by Alex Frakt
Mon Feb 09, 2015 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3513

Re: Sole proprieter or s-corp?

You can take the same business deductions as either a Sole Proprietor or owner of an S-Corp. Either way, the net income from your business flows through to your gross income, so you'll owe exactly the same federal income tax. While there may be liability advantages to being an employee of a corporat...
by Alex Frakt
Mon Feb 09, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or s-corp?
Replies: 5
Views: 492

Re: Dave Ramsey says you shouldn't own bonds?

I've had to remove an off-topic tangent about Dave Ramsey's religious beliefs. Please stick to the OP's question.
by Alex Frakt
Mon Feb 09, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8812

Re: Guidance on Prioritization

Submariner1980 wrote:Bumping this since it got down to the 3rd page without any responses. Any takers?

I edited your title. I suspect you'll get a few more responses now. Note that our requirement that titles be meaningful is as much for the posters as readers.
by Alex Frakt
Mon Feb 09, 2015 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: [4 year update - would like another review]
Replies: 10
Views: 1190

Re: Americas best 401-k ?

Locked. There doesn't actually seem to be an on-topic question here. scubadiver4, The employer chooses the 401(k) plan. You are stuck with what they offer unless you want to change employers. If the plan is bad enough (no match, high fees) it might be better to invest on your own. Please take a loo...
by Alex Frakt
Mon Feb 09, 2015 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Americas best 401-k ?
Replies: 11
Views: 1359

Re: iPhone radiation levels

Locked. This is somewhere between medical advice and conspiracy theories, both of which are off-topic here.
by Alex Frakt
Mon Feb 09, 2015 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2365

Re: Car issues. [2009 Cadillac CTS - fix or sell]

This appears - https://www.google.com/search?q=2009+CTS+high+oil+consumption - to be a common problem with this engine, both in the CTS and the GMC Acadia. If it were me, I'd trade it in now and let the dealer handle it. As suggested above, a Subaru Legacy wagon appears to be a better fit for your f...
by Alex Frakt
Mon Feb 09, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3513

Re: How to raise kids who aren't spoiled

General parenting issues are off-topic here. The exception would be If it's your investing or personal finance issue that happens to involve your children.
by Alex Frakt
Sat Feb 07, 2015 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to raise kids who aren't spoiled
Replies: 11
Views: 1189

Re: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]

Locked. THe information content of this appears to have been exhausted. Speculating on government policies is off-topic.
by Alex Frakt
Sat Feb 07, 2015 2:45 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3265

Re: What if you did not know you were a beneficiary

snowshoes wrote: MassMutual is not co-operating so far

No financial institution should be cooperating until you can demonstrate that you have a legal right to be inquiring.
by Alex Frakt
Sat Feb 07, 2015 2:10 am
 
Forum: Personal Finance (Not Investing)
Topic: What if you did not know you were a beneficiary
Replies: 20
Views: 3558

Re: Would you give a homeless person 20-50 dollars?

Locked. General comment threads are OT.
by Alex Frakt
Fri Feb 06, 2015 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you give a homeless person 20-50 dollars?
Replies: 27
Views: 1398

Re: [partially retired, need help choosing health insurance]

I changed the title. kat78613, posts here have to be personal - about your situation. Calling for a bunch of anecdotes on what other people have done is not the way to go about it. You have stated your issue, so I edited the title to fit. I don't think you have provided enough information to get a ...
by Alex Frakt
Fri Feb 06, 2015 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: [partially retired, need help choosing health insurance]
Replies: 13
Views: 803

Re: [Janitor in Vermont leaves millions] A true Boglehead!

Locked. No actionable investing content.
by Alex Frakt
Thu Feb 05, 2015 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 2988

Re: What online company to use?

I'll look at it BL. Thing that turns me off about investing is the terminology. Words like "prospectus" or "mutual fund" or "margin" or "security" irritate and confuse me. It's not that I'm am stupid, I am well versed in engineering terms, IT terms, even acco...
by Alex Frakt
Thu Feb 05, 2015 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What [day trading platform] to use?
Replies: 32
Views: 2145

Re: How am I doing? (28yr old male)

Why leave all your nest-egg at the mercy of Wall street? May I suggest the road less traveled. Find yourself a small apartment building and invest in it. You can always hire a management company to help out with issues. You need something you can see and feel, rather than just paper profits. Sorry....
by Alex Frakt
Mon Feb 02, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing? (28yr old male)
Replies: 14
Views: 2624

Re: CalSTRS/Pension2 Investment Plan

Locked. General comment threads are off-topic on this subforum {https://www.bogleheads.org/forum/viewtopic.php?f=3&t=112988).
by Alex Frakt
Thu Jan 29, 2015 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: CalSTRS/Pension2 Investment Plan
Replies: 12
Views: 931

Re: Boglehead Fitbit group

I don't disagree with the effect (directional). I just find that the "43%" smacks of spurious accuracy. Implies precise measurement of a baseline (and a measurement that didn't affect the outcome, which the measurement with a bracelet does?). I found it. The baseline is 5,117 steps which ...
by Alex Frakt
Thu Jan 29, 2015 4:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 2863

Re: Boglehead Fitbit group

So it is basically marketing hype from the company that sells the devices. No. I don't know where fitbit got their 43% from. However, using a pedometer does result in an increase in activity. A 2007 meta-analysis of pedometer studies published in JAMA - http://jama.jamanetwork.com/article.aspx?arti...
by Alex Frakt
Thu Jan 29, 2015 3:08 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 2863

Re: Boglehead Fitbit group

My Fitbit was broken for about a week. I called the customer service and they sent me a new one no questions asked. People who have one, on average, supposedly walk 43% more. Now that I have one, I believe it. I am on the site as "Robert C." You'd think the technology would be built into ...
by Alex Frakt
Wed Jan 28, 2015 6:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 2863

Re: Is it time to buy the Greek Index or Euro?

Unlocked following moderator review and removal of several tangential or off-topic posts. Let's keep the discussion to the investing question presented please.
by Alex Frakt
Wed Jan 28, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to buy the Greek Index or Euro?
Replies: 8
Views: 1711

Re: Wisdom of transferring current assets to Vanguard?

…. oops must of peed someone off upstairs cause we got this email the other day from either a moderator or administrator with rank disapproval: Duplicate Thread - Thread covers the same item or content as an existing active thread. O.K. but during my searches over that past few weeks on this site, ...
by Alex Frakt
Wed Jan 28, 2015 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wisdom of transferring current assets to Vanguard?
Replies: 15
Views: 1763

Re: Boglehead Fitbit group

Moved to Bogleheads Community forum. I also joined, my username is my initials.
by Alex Frakt
Wed Jan 28, 2015 1:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 33
Views: 2863

Re: Proposed 529 Plan Changes Dropped

I'm leaving this up because people keep reposting it. So I'll take this as an opportunity to remind people of our forum policies. UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibit...
by Alex Frakt
Wed Jan 28, 2015 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed 529 Plan Changes Dropped
Replies: 1
Views: 388

Re: Newer washing machine freaks out dog

I'd try something like this $10 neoprene mat before moving to more difficult/expensive options http://www.harborfreight.com/4-piece-anti-fatigue-foam-mat-set-94635.html Edit: there's a better suggestion below to use a heavy rubber mat like this $40 one - http://www.tractorsupply.com/en/store/rubber-...
by Alex Frakt
Tue Jan 27, 2015 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 2961

Re: Ketogenic Diet anyone?

Locked. Medical questions, which includes diets that make medical claims, are off-topic on this site.
by Alex Frakt
Tue Jan 27, 2015 11:52 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1197

Re: The Oxford Newsletter

Why are you interested? There are hundreds, if not thousands, of newsletter authors promising market beating returns. I always wonder why they go to all the trouble to make a living from their newsletters if they are such sure-fire investors.
by Alex Frakt
Tue Jan 27, 2015 3:13 am
 
Forum: Investing - Theory, News & General
Topic: The Oxford Newsletter
Replies: 3
Views: 311

Re: Back in 2011

Locked. From the forum policies: Personal Finance This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are: - insurance - employment issues - credit card and credit rating issues - mortgage and loan issues - legal issues that have a financial ...
by Alex Frakt
Mon Jan 26, 2015 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Back in 2011
Replies: 6
Views: 670

Re: Time to stop driving for 85 yo MIL

Thread reopened after moderator review. Several posts have been removed. Please keep your responses directly relevant to the OP's question.
by Alex Frakt
Mon Jan 26, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 5768

Re: TurboTax Deluxe: $25 Refund [for those forced to upgrad

From the linked article: What’s angered many long-time users of the boxed and download versions of the tax prep program, is that while TurboTax Deluxe 2014 sells for the same list price as TurboTax Deluxe 2013 did, it can no longer be used to electronically file Schedule D, for capital gains and los...
by Alex Frakt
Sun Jan 25, 2015 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe: $25 Refund [for those forced to upgrade]
Replies: 1
Views: 486

Re: Grandfather wanting to transfer portfolio to kids. Ques

The grandfather sees himself as the Boglehead in the relationship and wants the daughter to benefit from his gift to her and not squander the benefit through ignorance about managing an investment or being taken advantage of by an aggressive Investment Advisor who will take advantage of her lack of...
by Alex Frakt
Sun Jan 25, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 3131

Re: Winter Coat

I am looking for a down winter jacket. Some one pointed that prices are discounted during the early part of the year. I have not been able to find good prices on Patagonia down jackets. Is it safe to buy on ebay? I did not buy anything ever on ebay? Patagonia has a big sale of its discontinued line...
by Alex Frakt
Sun Jan 25, 2015 12:58 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7862
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