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Re: Why do we tip restaurant servers?

Locked. General comment threads are off topic on the Personal subforums. In other words, if you have a question about what you should tip in a given situation, go ahead and ask it. But throwing things up for general discussion is not acceptable here. We are not reddit.
by Alex Frakt
Sat Aug 23, 2014 3:40 am
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2007

Re: Will you have to pay your parent's long term care costs?

Locked. Please remember that general comment threads are off topic in the "Personal" subforums. In other words, topics must be about your own situation (or on behalf of someone specific, such as a family member). Further information on this requirement can be found at http://www.boglehead...
by Alex Frakt
Sat Aug 23, 2014 2:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 3680

Re: How Much Did You Lose Today?

Locked. Any informational value has been exhausted.
by Alex Frakt
Wed Aug 20, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14129

Re: "Robin Williams' estate plan: Good, but not great"

With all due respect...

Celebrity finances are off topic on this site. Thread is locked.
by Alex Frakt
Tue Aug 19, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: "Robin Williams' estate plan: Good, but not great"
Replies: 4
Views: 1739

Re: Is a 16% expense ratio technically possible?

Google the Steadman (later Ameritor) funds. Performance was so poor, they were nicknamed the Deadman funds because no conscious person would invest with them. As AUM fell, the ER kept going up, eventually hitting something like 22% per year. The SEC shut them down in 2007 because they had managed to...
by Alex Frakt
Mon Aug 18, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1479

Re: Do-It-Yourself Waxing (Hair Removal) [help needed]

Thread reopened following moderator review. Please keep responses on-topic and relevant to the OPs question. Non-responsive posts will be removed.
by Alex Frakt
Mon Aug 18, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Waxing (Hair Removal) [help needed]
Replies: 6
Views: 915

Re: Your biggest "Missed Money" event that still kills you?

I should have put it all on Buster Douglas at 35-1. I knew Tyson was ripe for a fall.

Seriously, what's the point of this?
by Alex Frakt
Mon Aug 18, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7620

Re: Girls gymnastics: what to expect

Here's my background. I was a competitive swimmer (and later water polo player) from 8 to 18, including a year of playing collegiate water polo, and I have a son going into kindergarten. IMO, unless a child is highly self-motivated to do a particular sport, I would not put them on a competitive path...
by Alex Frakt
Mon Aug 18, 2014 2:00 am
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2325

Re: Receiving Spam Emails Since Joining

We do not and will not sell or give out member e-mail addresses to anyone.
by Alex Frakt
Sat Aug 16, 2014 11:25 pm
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 9
Views: 741

Re: Do Private Company's have an advantage ?

Locked. No investing content.
by Alex Frakt
Sat Aug 16, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Do Private Company's have an advantage ?
Replies: 11
Views: 644

Re: Tapatalk Integration

Tapatalk is a non-starter. Supporting it would directly violate major portions of our privacy policies. We do not collect your information for sale, marketing or promotional purposes. Tapatalk does. I have also been reviewing the mobile styles. My main problem with them is that the best supported op...
by Alex Frakt
Sat Aug 16, 2014 2:44 am
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 13479

Re: Why is a back door Roth necessary

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:

- US or world economic, political, tax, health care and climate policies...
by Alex Frakt
Fri Aug 15, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is a back door Roth necessary
Replies: 6
Views: 809

Re: Lipitor at Costco with Membership

Medical issues (and general insurance policy discussions) are off topic here. Please keep to the OP's consumer issue. Non-relevant posts have been removed.
by Alex Frakt
Thu Aug 14, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1556

Re: Persistence of SV performance

I laugh everytime someone throws out the "science" word when speaking about finance. Finance is as much of a science as palm reading. It's not actually astrology or palm reading. There is a basic underpinning reality to investing: in aggregate and in the long run, people insist on receivi...
by Alex Frakt
Tue Jul 15, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3915

Re: Help With Costless Collar Option Implementation

The OP stated that most of their equity position is held in VTI. This isn't a case where you would typically look for hedges, such as being stuck with large amounts of employer stock. No, OP said he was looking at VTI options, but that if the calls were exercised, he would have to convert his other...
by Alex Frakt
Wed Jul 02, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Costless Collar Option Implementation
Replies: 17
Views: 978

Re: Help With Costless Collar Option Implementation

Since people insist on discussing the merits of OP's plan rather than its implementation, I will note that collars are a lower risk, lower return strategy that may be appropriate when you think the market valuation of your holding is getting too high, and yet you are reluctant to sell for either ta...
by Alex Frakt
Wed Jul 02, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Costless Collar Option Implementation
Replies: 17
Views: 978

Re: How to admit/should I admit alcohol problem to employer

Under the Americans with Disabilities Act, you cannot be legally terminated for admitting you are an alcoholic, nor seeking treatment for alcoholism. Nor can your employer subject you to additional testing or other requirements compared to your fellow employees (except for a few specified categories...
by Alex Frakt
Wed Jul 02, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13215

Re: How to admit/should I admit alcohol problem to employer

I'm posting to verify that this is indeed from a active, long-time member.

Also, please keep your comments on the employment issue presented here. Off-topic comments will be removed and the poster will likely be warned.
by Alex Frakt
Wed Jul 02, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13215

Re: Hitting "The Number" too early

Don't get hung up on "The Number." It is nothing more than a shorthand way of referring to the complex and dynamic question, "Where am I on the path to retirement?" Frankly, I don't even bother with a number. It sounds like you are not ready to retire for non-financial reasons. S...
by Alex Frakt
Tue Jul 01, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5430

Re: "most [] research findings in financ[e] are likely false"

More importantly, this paper is in favor of indexing strategy because it's rejecting other factors such as SMB (=size). OTOH, the value and momentum factors are still significant. Small still matters for individual investors, unless you have the Panglossian view that stock prices are perfect at all...
by Alex Frakt
Tue Jul 01, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: "most [] research findings in financ[e] are likely false"
Replies: 63
Views: 4289

Re: Best way to start building wealth as a teenager

Since you will have earned income and a very low current tax bracket, the specific kind of account you want - in addition to your checking and/or savings account - is a Roth IRA. This is a type of retirement account in which you do not get a tax deduction when you put the money in, but earnings insi...
by Alex Frakt
Tue Jul 01, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to start building wealth as a teenager
Replies: 28
Views: 2378

Re: Personal Life subforum?

I don't see a need to go beyond what we have already, as it dilutes the purpose of this forum. I never wrote a formal mission statement for the site. But if I had, supporting our community of regular posters and readers would definitely be part of that mission. The question, as always, is how to be...
by Alex Frakt
Wed Jun 18, 2014 1:44 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Personal Life subforum?

roymeo wrote:Only as a place for the moderators to throw the Diamond, Wedding, Watch threads.

Actually, I was thinking of chucking all the career, college, and private school threads in it.
by Alex Frakt
Wed Jun 18, 2014 1:36 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Personal Life subforum?

Wouldn't this be counter to efforts to make the existing forum a charity that is based on financial education ? There is no such effort. This site is privately owned by myself and Larry Auton. The charity, the John C. Bogle Center for Financial Literacy, is a separate endeavor. The Center has been ...
by Alex Frakt
Wed Jun 18, 2014 1:34 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Personal Life subforum?

I should note that I mine threads like this for ideas. It's not a poll and I'm not making any promises.
by Alex Frakt
Tue Jun 17, 2014 3:15 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Personal Life subforum?

Maybe I don't get around enough, lol - but the other forums I belong to, that have a "Lounge" section for off topic postings don't seem to experience spamming, off color language or totally bizarre topics, etc. ...maybe because the people allowed to post are already existing members of th...
by Alex Frakt
Tue Jun 17, 2014 2:01 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Personal Life subforum?

A couple of quick points. Don't worry about moderating. Just as when we launched this forum, I'd moderate at the beginning and we'd probably recruit a new mod or two for just this forum. The question about this diluting the membership is why I asked about public versus private. We can easily set it ...
by Alex Frakt
Tue Jun 17, 2014 1:55 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Personal Life subforum?

I think I'm talking myself into two forums, a public one to discuss personal life questions as outlined by kayanco and an (opt-in?, separate homepage?) private one for member-to-member requests.
by Alex Frakt
Tue Jun 17, 2014 12:52 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Forums like Bogleheads, for Life ?? (other aspects)

I created a new thread for discussing adding such a subforum on this site at viewtopic.php?f=3&t=141316 . Followups on that topic should go there.

Let's keep this thread dedicated to other existing sites that are relevant to the OP's question.
by Alex Frakt
Tue Jun 17, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4401

Personal Life subforum?

Following up on the thread by kayanco at http://www.bogleheads.org/forum/viewtopic.php?f=11&t=141283 Are there others forums like Bogleheads, but for other things in life? Which have a good group of people or community, based on sound principles, based on years of experience and research. For th...
by Alex Frakt
Tue Jun 17, 2014 12:44 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4967

Re: Forums like Bogleheads, for Life ?? (other aspects)

As long as it's limited to personal issues, I'd consider adding such a subforum here. I think we need a new thread to discuss this and I'd have to think through the implications to privacy and demands on moderator time. The forum software does give us some tools to control this, for example we can k...
by Alex Frakt
Tue Jun 17, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4401

Re: Car for a long daily commute

Good luck. Just keep in mind that time with your small child is precious. They are different creatures nearly every day and you'll never get a chance to get back what you have missed. Also no one has ever looked back on their life and said, "I wish I spent more time commuting."
by Alex Frakt
Tue Jun 17, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5973

Re: Saving Topics Offline

The old version of our forum software did this by default when you clicked Print View (the little printer icon at the upper right, next to the word Blog). I hadn't realized they had changed that to only showing the posts on the current page. There is a software mod that will allow us to bring this f...
by Alex Frakt
Tue Jun 17, 2014 11:59 am
 
Forum: Forum Issues and Administration
Topic: Saving Topics Offline
Replies: 2
Views: 465

Re: Keeping up with bogleheads.org volume, staying organized

The thread list on the homepage is sorted by most recent reply by default. If you don't like the default sort, you can click any of the links in the column headings to re-sort. Those links are also bookmarkable. We don't have an alphabetical sort, but if you don't like threads jumping around, click ...
by Alex Frakt
Tue Jun 17, 2014 11:34 am
 
Forum: Forum Issues and Administration
Topic: Keeping up with bogleheads.org volume, staying organized
Replies: 11
Views: 1234

Re: Would any number make you change your asset allocation?

I slice and dice (including splitting international into Europe, Pacific, EM and value) and hold bonds. Changes in relative asset class valuations take care of themselves when I rebalance. FWIW, I have an excellent record of recognizing bubbles, I called a tech stock bubble in 1999, real estate bubb...
by Alex Frakt
Tue Jun 17, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Would any number make you change your asset allocation?
Replies: 58
Views: 3501

Re: Forums like Bogleheads, for Life ?? (other aspects)

Barefootgirl wrote:One good thing about FB is no cost, no commitment.

Except for the cost of, and commitment to, constantly monitoring their ever-changing privacy policies. And self-monitoring what you post on a non-anonymous forum.
by Alex Frakt
Tue Jun 17, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4401

Re: What octane gas do you use to fill your car?

Which is why I differentiated between older and newer cars. However, pre-detonation has to occur for the sensors to pick it up. I'd bet some solid money that if you disassembled your engine and examined the inside of the cylinders and the piston heads that you have some damage. With a modern engine...
by Alex Frakt
Tue Jun 17, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 5679

Re: Shopping at Costco

I forgot that they don't take either VISA or Master Card. I had to use my debit card. Not an issue, unless you forget to bring it. Does everyone walk in with their pockets stuffed with cash? Or do lots of people have debit cards I have never understood having a debit card. They take American Expres...
by Alex Frakt
Tue Jun 17, 2014 3:57 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5089

Re: Car for a long daily commute

No argument that Irvine is a great place to live and bring up kids. My parents moved there for a couple of years after I went to college. My (younger) brother graduated from Uni High and went on to UC Irvine. He'd love to get back there if he could wrangle it. But you have a 9 month old. I also have...
by Alex Frakt
Tue Jun 17, 2014 3:43 am
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5973

Re: Collar Weighting

Despite their claims, it's just another "fundamental" indexing scheme. Like the rest, it adds a datamined small and value (SV) tilt to TSM: their specific measures are revenue (size), forecast book value (value) and forecast dividends (value). Look at Appendix B and A (in that order) and t...
by Alex Frakt
Tue Jun 17, 2014 2:26 am
 
Forum: Investing - Theory, News & General
Topic: Collar Weighting
Replies: 4
Views: 603

Re: What octane gas do you use to fill your car?

Here's something I posted on a previous thread on this topic. Here's some excerpts from a USA Today article on the subject. "I personally use regular even though my owner's manual says you'll get better performance with premium," says Lewis Gibbs, consulting engineer and 45-year veteran at...
by Alex Frakt
Mon Jun 16, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 5679

Re: Engagement Ring - Diamond Help

Let's keep replies focused on the OP's question please.
by Alex Frakt
Fri Jun 13, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4343

Re: running shoes for a severe overpronator(flatfoot)

marc515 wrote:Yes, but there's nothing that indicates it isn't a medical condition either!

The OP is currently running and didn't mention any problem other than his shoes being too tight.
by Alex Frakt
Thu Jun 12, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2893

Re: running shoes for a severe overpronator(flatfoot)

Some good suggestions here, but none of us know what's going on with your feet other than you indicating you have flat feet. I have flat feet, and custom orthotics are the only thing that works for me. Rather than take advice from an online forum, I would see an orthopedic doctor and have your feet...
by Alex Frakt
Thu Jun 12, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2893

Re: running shoes for a severe overpronator(flatfoot)

Nearly all of my shoes are minimalist/zero-drop type now for the past couple of years. My favorite exercise shoes by far are Lems, I wear the Primal2 version. One plus on minimalist shoes is you don't have to replace them until they are falling apart as there isn't all the foams to break down in 20...
by Alex Frakt
Thu Jun 12, 2014 2:27 am
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2893

Re: Car for a long daily commute

No argument that moving would solve the issue, but OC is far superior to LA county (in my opinion) for quality of life and raising a child (especially in the area we are in). So moving is not really an option at this point for us (plus, given that our house is probably still underwater, it'd be tou...
by Alex Frakt
Wed Jun 11, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5973

Re: Bond ETFs a certain loss?

BTW, your safe money doesn't have to be all bonds. A quick look suggests that you can find savings account yields from Canadian banks that match or beat short to intermediate term government bond yields. Perhaps split your non-equity holdings into a mix of savings and Intermediate Term Corporate bon...
by Alex Frakt
Wed Jun 11, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs a certain loss?
Replies: 16
Views: 1164

Re: Bond ETFs a certain loss?

#2 is overly optimistic. There is no guarantee that equities will outperform bonds over any given 10 year period. You are also missing that holding bonds and rebalancing during equity downturns allows you to buy more equities at bargain prices. Finally, you need to be very wary of basing your decisi...
by Alex Frakt
Wed Jun 11, 2014 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs a certain loss?
Replies: 16
Views: 1164

Re: "Is Bogle Befuddling?"

Thanks for the idea to look to the SEC. However, some of what you reported seems a little misleading. Here are the actual sector breakdowns reported in the "Sector Diversification" tables for the 2006 and 2013 SEC Forms N-CSR: Total Bond Market Index Fund Sector Diversification (% of port...
by Alex Frakt
Wed Jun 11, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7165
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