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Re: Can't View Thread

We will remove a thread if there is little on-topic content. This thread was only about speculation on future tax policy.
by Alex Frakt
Fri Oct 31, 2014 11:58 am
 
Forum: Forum Issues and Administration
Topic: Can't View Thread
Replies: 5
Views: 303

Re: Can't View Thread

cheese_breath wrote:When you get this message it usually means a moderator has removed the thread.

This is correct.
by Alex Frakt
Fri Oct 31, 2014 11:26 am
 
Forum: Forum Issues and Administration
Topic: Can't View Thread
Replies: 5
Views: 303

Re: your advisor should act like a good doctor

As I said, I know many scientists who have become financial economists and they all believe they use scientific methods while agreeing that finance isn't hard science, like physics No one is claiming it is hard science, but that isn't the point. Larry Larry, That is exactly the point. Leeraar, This...
by Alex Frakt
Fri Oct 31, 2014 1:16 am
 
Forum: Investing - Theory, News & General
Topic: your advisor should act like a good doctor
Replies: 46
Views: 3068

Re: MS Windows 7 Dead?

Windows 8 is actually really good, it's a little different which scares people but once people get used to it I've not met one person that went back to Windows 7. Windows 8 is incredibly stable and is actually faster than Windows 7 on the same hardware. Windows 10 is also looking good (though it is...
by Alex Frakt
Wed Oct 29, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 23
Views: 1702

Re: MS Windows 7 Dead?

nordlead wrote:EDIT: I'm convinced this guy doesn't really know how to use a PC or setup a network. He is a writer who happens to write about computers, but that doesn't mean he knows how to use them properly.

Got to be John C. Dvorak.
by Alex Frakt
Wed Oct 29, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 23
Views: 1702

Re: New appliances - Stainless Steel or not?

IMO, stainless has been out of fashion since 2006. To me, it screams "flip". I really like black appliances. We just replaced our black gas range with another black gas range. I found out this time around that the stainless appliances were sometimes cheaper than the black appliances... ju...
by Alex Frakt
Wed Oct 29, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2668

Re: how risky is stock investing?

Speculating is like betting in a casino. Investing is like owning the casino. People who are in it for the long term buy businesses (stocks) because they expect that the business will be profitable and the owners will get their fair share of the profits through some combination of dividends and bein...
by Alex Frakt
Wed Oct 29, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: how risky is stock investing?
Replies: 16
Views: 1228

Re: 39.6% Tax Bracket :(

Topic reopened after OT posts and comments removed. Please stick to the OP's questions. Personal comments and discussions of tax policy, pro or con, are not acceptable on this forum.
by Alex Frakt
Wed Oct 29, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 26
Views: 4990

Re: 39.6% Tax Bracket :(

Locked for moderator review.
by Alex Frakt
Wed Oct 29, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 26
Views: 4990

Re: POLL: Gross Annual Retirement Income Before Taxes

Locked. Threads on this forum must be both personal ("directly connected to your financial life") and actionable.
by Alex Frakt
Tue Oct 28, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1920

Re: New appliances - Stainless Steel or not?

...past trendy colors like pink, turquoise, coppertone, avocado, harvest gold, wheat, and black... Alex, you cannot possibly be old enough to remember avocado and harvest gold... can you? They didn't go away just because they went out of style :-) That's why I stayed away from trendy when remodelin...
by Alex Frakt
Tue Oct 28, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2668

Re: Bogleheads.org equivalents for other areas of life?

You may want to delete your post before it's deleted for you. Nutritional forums not allowed to be mentioned. If the site AND the post are about primarily about food, rather than medical claims, it's fine. Actually, I would THINK, in the context of this thread topic, that listing other forums for n...
by Alex Frakt
Tue Oct 28, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6808

Re: Bogleheads.org equivalents for other areas of life?

Barefootgirl wrote:You may want to delete your post before it's deleted for you. Nutritional forums not allowed to be mentioned.

If the site AND the post are about primarily about food, rather than medical claims, it's fine.
by Alex Frakt
Tue Oct 28, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6808

Re: New appliances - Stainless Steel or not?

We're getting ready to buy new appliances for our home and though my wife wants all SS appliances in the kitchen... If she wants it for fashion, she should note that the stainless steel look is headed out and white is coming in. White also has the advantage of being the classic color for kitchen ap...
by Alex Frakt
Tue Oct 28, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2668

Re: Investing with annuity payout, help needed

Do you have an emergency fund?

What are your other 401(k) options, including expenses?

And what is your Federal tax rate? It says 3%, which I assume is a typo. You can edit your original post to fix that.
by Alex Frakt
Tue Oct 28, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing with annuity payout, help needed
Replies: 3
Views: 395

Re: Fed Quantitative Easing

Locked. Politics, economic policy, trolling, personal attacks (not in that order). Only thing we are missing is spam, medical claims and religious proselytization.
by Alex Frakt
Tue Oct 28, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Fed Quantitative Easing
Replies: 15
Views: 1184

Re: Can someone explain the myRA and its rules?

This is the best info we have so far: http://www.myra.treasury.gov/readysaveg ... stions.htm

Let's hold off on further discussion until we have something more concrete.
by Alex Frakt
Mon Oct 27, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Can someone explain the myRA and its rules?
Replies: 4
Views: 943

Re: One important role of advisers? - WSJ today

Two threads on same article merged and then the whole thing locked for the political/economic thrust of the referred article.
by Alex Frakt
Mon Oct 27, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Bad Stock-Market Timing Fueled Wealth Disparity
Replies: 9
Views: 1072

Re: Bogleheads.org equivalents for other areas of life?

Chowhound.com for food related stuff, great for reviews on restaurants and other random stuff. Chowhound has had many complaints about certain regional moderators playing favorites. It got so bad in Chicago that the major contributors left to create their own forum. I will unreservedly recommend th...
by Alex Frakt
Mon Oct 27, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6808

Re: Bogleheads.org equivalents for other areas of life?

Multiple posts removed (medical or silly). PLEASE DON'T POST SITES THAT MAKE MEDICAL CLAIMS.
by Alex Frakt
Mon Oct 27, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6808

Re: What is the appeal of smart watches?

Locked. This is why general comment threads are off topic here, a large percentage of them turn silly or nasty or go off on a tangent.

If any of you want help choosing a smart watch, go ahead and post along with your requirements and desires. I'm sure you'll get meaningful responses.
by Alex Frakt
Mon Oct 27, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: What is the appeal of smart watches?
Replies: 22
Views: 1923

Re: Google Docs

The link will allow anyone with access to the link to get a doc that exists on a Google Drive. Did you try Sidney's link? I left you a message in the document. The document has to be created by someone with a google account since it has to exist somewhere on someone's Google Drive. . A member of th...
by Alex Frakt
Mon Oct 27, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Google Docs [to share a spreadsheet publicly]
Replies: 12
Views: 1425

Re: Barron's on Schwab [CEO prefers Indexing for 401ks]

but the last time I checked all of the Vanguard funds I use incurred transaction fees at Schwab. I think most if not all brokerage trades for Vanguard funds incur transaction fees**, regardless of brokerage (purchase only, not on the sale?). And for whatever reason, the commission (transaction fee)...
by Alex Frakt
Sun Oct 26, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2136

Re: Barron's on Schwab [CEO prefers Indexing for 401ks]

note: two thread merged and title edited
by Alex Frakt
Sun Oct 26, 2014 3:07 am
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2136

Re: Viewing forum on iPhone - font too small

What does that mean? New features. See the Launch info. Just curious, will Bogleheads be enabling the OAuth support in v3.1 or keeping it to local logins? It all depends on the details of the implementation. Keep in that most sites essentially get paid by the click or pageview, they will do anythin...
by Alex Frakt
Sat Oct 25, 2014 10:15 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1591

Re: Viewing forum on iPhone - font too small

Just a ping again to see if there is any chance of a more mobile friendly theme for the forums or at least an option for one.... The next version of our forum software (phpBB 3.1) includes a default responsive theme which is supposed to work equally well for all platforms, including smartphones and...
by Alex Frakt
Fri Oct 24, 2014 11:16 am
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1591

Re: Viewing forum on iPhone - font too small

Maybe see if the workaround given here still works: http://marcos.kirsch.mx/2012/04/29/font-size-bookmarklets/. The same instructions are presented in a more readable form here:http://www.cnet.com/how-to/change-the-font-size-of-a-web-page-on-ios/.
by Alex Frakt
Fri Oct 24, 2014 12:11 am
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1591

Re: US Chip & Signature --> Chip & PIN 2020

Locked. Not actionable (for a few more years).
by Alex Frakt
Thu Oct 23, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1318

Re: Spotting bubbles

Is there such a thing as a bubble? Absolutely. Is it possible to spot bubbles in progress? For the largest ones, yes. If the answer is yes... is this of any use to investors? Sort of. The problem is not in recognizing a bubble, it's in knowing when it will end. Bubbles I've seen, including the Japa...
by Alex Frakt
Thu Oct 23, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Spotting bubbles
Replies: 2
Views: 348

Re: Help / advice regarding Fee based Financial Adviser in R

Now Elite Access: many fancy funds and liquidity for 1.25% plus ER. I believe at $500k, their fees and expenses drop to .75%. Now we all know better. But when compared to other VA's, this has the appeal of better investments and instant liquidity. If your parents have to be in an annuity - this wil...
by Alex Frakt
Thu Oct 23, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Help / advice regarding Fee based Financial Adviser in RI
Replies: 13
Views: 871

Re: Give me a road map!

I figured it would be more complicated. :P It ALWAYS is, isn't it? I am talking to the CPA/CFP in about an hour and a half, so there's that. How did it go? I'm always wary of using one person for tax advice and investing advice. If they manage money, it gives them too much of an incentive to sugges...
by Alex Frakt
Thu Oct 23, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Give me a road map!
Replies: 21
Views: 2242

Re: Tesla S

"so I found myself driving for 1.5 to 2.5 hours then stopping for 45 minutes to an hour to charge the car." This actually sound miserable to me. I would think the newness of the car/toy (meant in the best sense of the word) and your first time being in those particular locations added qui...
by Alex Frakt
Thu Oct 23, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 61904

Re: [Best Option for Early Termination] of Apartment Lease

The apartment office would do a history check, credit-approval and employment check when they add the new tenant to the lease. So its not like I can pick up a random person from craigslist and add them to the contract. So the new tenant would be equally responsible too, legally speaking. 9x times o...
by Alex Frakt
Thu Oct 23, 2014 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1345

Re: Tesla S

This is a reminder that discussions over the pros and cons of government subsidies to various industries are off-topic under the following forum policy: 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. Exam...
by Alex Frakt
Wed Oct 22, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 61904

Re: [Best Option for Early Termination] of Apartment Lease

You may not want to invest the time but one option I would consider were I in your shoes would be to retain the apartment and be an AirBnB host. Legally this may be considered a sublet in violation of your rental agreement but there's some grey area and a landlord, even if they find out about it, i...
by Alex Frakt
Wed Oct 22, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1345

Re: Give me a road map!

...I won't have any income on paper this year. If I'm allowed, I'll dump $17.5k into a solo 401k and take a paper loss... I'm currently netting $1-2k per day.... My income is officially all as book royalties, which are all active income according to the IRS. Your post raises a bunch of issues, but ...
by Alex Frakt
Wed Oct 22, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Give me a road map!
Replies: 21
Views: 2242

Re: Give me a road map!

Several posts questioning the OP's legitimacy have been removed. The OP is what she says she is. Amazon Author Rank shows her as highly ranked in multiple popular categories. If you are not interested in helping her with the issues she has presented, then don't post. A reminder from the forum polic...
by Alex Frakt
Wed Oct 22, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Give me a road map!
Replies: 21
Views: 2242

Re: 2015 ACA renewal

Locked. Non-actionable. It is OK to post if you have a question about your particular options.
by Alex Frakt
Wed Oct 22, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 ACA renewal
Replies: 6
Views: 482

Re: [Best Option for Early Termination] of Apartment Lease

The other wicked thing that crossed my mind was to move out of the apartment, leave the apartment vacant and keep paying each month. That way, I would be paying close to $3200 (with water etc.) total by the end of March. But since the apartment won't be allowed to double-charge for rent at least he...
by Alex Frakt
Wed Oct 22, 2014 2:08 am
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1345

Re: Anyone cancelling travel plans?

Locked. Any on-topic informational content of this discussion has been exhausted.
by Alex Frakt
Wed Oct 22, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: Slick Airline Ticket Phishing Scam

Locked. See viewtopic.php?f=3&t=149334 for more info.
by Alex Frakt
Tue Oct 21, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Slick Airline Ticket Phishing Scam
Replies: 14
Views: 1657

Re: Slick Airline Ticket Phishing Scam

Do we really need every phishing email posted in bogleheads with a warning? No we don't. Unless they are of some particular relevance to our members (or possibly if it's of general relevance and requires users to take actions beyond normal safe internet practices), I'm going to start removing or lo...
by Alex Frakt
Tue Oct 21, 2014 10:37 pm
 
Forum: Forum Issues and Administration
Topic: Standard Phishing/Scam Threads are now Off-Topic
Replies: 2
Views: 360

Re: Multiple Fake "Thank you for your order"?

I've been getting these for months. The only thing that separates them from all the other spam I get is that they somehow make it past gmail's spam filters.
by Alex Frakt
Tue Oct 21, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2312

Re: Vanguard Account Error

Check this: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=149278 Just in case you didn't follow the link. Here's what the OP reports: Tonight I looked at my Vanguard web page and noticed I had about 20% less than I had had on Friday. I contacted Vanguard and was told that a glitch had occ...
by Alex Frakt
Tue Oct 21, 2014 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1149

Re: Mega bus vacation with toddlers.

I'm locking this, there is nothing left to be said about the OP's original question. However, the OP is welcome to start a new thread if he or she wants feedback on an alternate plan.
by Alex Frakt
Sun Oct 19, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1920

Re: Allow OP to lock thread?

I wish there was a Tag function where you could tag a post for future reference. I'm sure this has been asked for before and can only assume it is not an easy function to implement. Allan At the top of each post is the thread title - that's a link to that specific post, which you can bookmark. Than...
by Alex Frakt
Sat Oct 18, 2014 11:07 am
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1471

Re: Debit Card was hacked. Should I just use cash from now

I don't use debit cards for purchases. The advantage of credit cards is that you get to see and dispute charges before you have to pay for them. We've had to deal with the aftermath of someone fraudulently making $15k in charges against our business checking account (the info was taken from a check ...
by Alex Frakt
Sat Oct 18, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3379

Re: important supreme court case [on high cost 401k plans]

Don't expect too much from this. The Court is only addressing the Statute of Limitations issue, not the underlying fiduciary question. Here's the text of the grant of certiorari from the court docket - http://www.supremecourt.gov/Search.aspx?FileName=/docketfiles/13-550.htm Petition GRANTED limited ...
by Alex Frakt
Sat Oct 18, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1595

Re: Solarcity Solar Bonds

Valuethinker wrote:Larry Swedroe's book on individual bond investment is good. So is ?Anna Thiu? (can't remember her surname).

Annette Thau - amazon.com/The-Bond-Book-Third-Edition
Larry Swedroe - amazon.com/Only-Guide-Winning-Bond-Strategy-Youll
by Alex Frakt
Sat Oct 18, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Solarcity Solar Bonds
Replies: 6
Views: 831
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