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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: 155

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: 10
Views: 702

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: 10
Views: 1490

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: 534
Views: 58534

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: 20
Views: 1045

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: 534
Views: 58534

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: 20
Views: 1045

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: 10
Views: 1490

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: 10
Views: 1490

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: 433

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: 20
Views: 1045

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: 6196

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: 1613

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: 302

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: 2252

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: 1121

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: 1888

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: 1371

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: 3217

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: 1531

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: 805

Re: How to wrap my head around downsizing my home?

Because I'm an engineer - we don't have "adventures" we have "projects". 8-) What I have in mind for resources would be software and databases. I want to create a map of the region and start filling it in with price data, public transport times, demographics, crime, access to re...
by Alex Frakt
Fri Oct 17, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3546

Re: Former employee patent compensation

Absolutely. Assuming you assigned all rights over to the employer, you should charge them your full consulting rate. If you don't consult, a reasonable rule of thumb is 2x what your employer pays you per hour. If you didn't assign the rights, you need to talk to an attorney who can represent you in ...
by Alex Frakt
Fri Oct 17, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Former employee patent compensation
Replies: 5
Views: 702

Re: How to wrap my head around downsizing my home?

You said "Almost all my friends live in the city." This seems the logical place to start. Talk to them about their neighborhoods and what they'd recommend. My overriding question since my original post is what kinds of resources exist to help me do this efficiently and systematically? Ther...
by Alex Frakt
Thu Oct 16, 2014 3:06 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3546

Re: Now above Roth IRA income limit...

You can keep your existing Roth IRA, you just can't make any contributions for years in which your income is over the limit.
by Alex Frakt
Tue Oct 14, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Now above Roth IRA income limit...
Replies: 4
Views: 512

Re: U.S. stocks in freefall

I've had to remove a few posts. Personalizing disputes is not acceptable on this forum. Neither is counterattacking if you see someone else doing it. From the forum policies: We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are ...
by Alex Frakt
Tue Oct 14, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156667

Re: Has Anyone used Google Shopping Express?

But seriously folks. This could be very useful to people without a car or with mobility issues. Or anyone who doesn't want to schlep 50 pound bags of dog food.
by Alex Frakt
Tue Oct 14, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone used Google Shopping Express?
Replies: 6
Views: 398

Re: Has Anyone used Google Shopping Express?

Sidney wrote:I saw that in the news today. For the life of me I couldn't think of any situation where I would need same day delivery -- except maybe a fire extinguisher.

Diapers
by Alex Frakt
Tue Oct 14, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone used Google Shopping Express?
Replies: 6
Views: 398

Re: Headed for a 300+ point loss today?

Unlocked after removing a few posts. Let's keep this on topic and avoid personal comments.
by Alex Frakt
Tue Oct 14, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28379

Re: Gross microwave post

It is possible to recoat it with Microwave Cavity paint... Well, I sure learned something new today. Here's an Amazon search: http://www.amazon.com/s/ref=nb_sb_noss_1?tag=bogleheads.org-20&url=search-alias%3Dappliances&field-keywords=MICROWAVE%20CAVITY%20PAINT . The "Microwave Oven Rep...
by Alex Frakt
Mon Oct 13, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: microwave [inner surface problem]
Replies: 4
Views: 442

Re: Headed for a 300+ point loss today?

Locked for moderator review.
by Alex Frakt
Mon Oct 13, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28379

Re: Computer codes availability at indep. repair garages?

This is reset in seconds using their scan tool which anyone can buy. The current state of the art OEM Honda scan tool costs around $2000 (and you need a laptop) - http://honda.snapon.com/HondaAcura/ItemDetail.aspx?ItemId=53561297 . Aftermarket and clone tools capable of resetting this light are und...
by Alex Frakt
Mon Oct 13, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 42
Views: 1814

Re: Computer codes availability at indep. repair garages?

This is reset in seconds using their scan tool which anyone can buy. The current state of the art OEM Honda scan tool costs around $2000 (and you need a laptop) - http://honda.snapon.com/HondaAcura/ItemDetail.aspx?ItemId=53561297 . Aftermarket and clone tools capable of resetting this light are unde...
by Alex Frakt
Mon Oct 13, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 42
Views: 1814

Re: The bogleway - Higher Cost Items = MORE SAVING/Saftey

Locked. General comment threads are off topic in the Personal subforums.
by Alex Frakt
Mon Oct 13, 2014 2:46 am
 
Forum: Personal Finance (Not Investing)
Topic: The bogleway - Higher Cost Items = MORE SAVING/Saftey
Replies: 5
Views: 954

Re: Headed for a 300+ point loss today?

Thread unlocked. This is a reminder of forum policy.

DO NOT PERSONALIZE DISPUTES OVER INVESTING THEORY. That is, respond to the idea, not the person who offers it.
by Alex Frakt
Mon Oct 13, 2014 2:35 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28379

Re: Mid and small cap exposure?

I've had to remove several personal comments from this thread. Please stick to the investing issues raised here. And thank you to the folks who reported problem posts instead of adding fuel to the fire.
by Alex Frakt
Mon Oct 13, 2014 2:09 am
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2275

Re: "The Most Serious Threat When Using Credit: You"

Locked. General comment threads are off topic in the Personal forums.
by Alex Frakt
Sat Oct 11, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The Most Serious Threat When Using Credit: You"
Replies: 21
Views: 1082

Re: New tires, where to buy

bigred77 wrote:I've had very good luck with Costco

Costco only does mid-range to premium tires. In the OP's size, the cheapest they currently show is around $475 for a set of 4.
by Alex Frakt
Fri Oct 10, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2574

Re: Is my husband a spendthrift? Or I a tightwad?

Thread locked. Recent posts appear to be based on a partial reading of the thread. The OP has given a final response above - posting.php?mode=reply&f=2&t=147948#pr2213359 - so there is no further actionable content.
by Alex Frakt
Thu Oct 09, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15740

Re: Road trip to Chicago with kids- what to do/recommendatio

I'll have more later, but a couple of quick notes while I'm thinking about it. Save $20 on parking at the Museum of Science and Industry by using the $1.25/hour Chicago Park District lot behind the museum. Exit on Science Drive just south of 57th St and take a left when it ends in half a block at Co...
by Alex Frakt
Thu Oct 09, 2014 1:44 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2518

Re: Things that you will not spend money on and most people

Locked. No actionable content in the original post.
by Alex Frakt
Thu Oct 09, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 3999

Re: What evidence would prove the Boglehead mentality wrong?

In my opinion, Fama's views are highly politicized and based on false theories like rational expectations. These are ideas grounded in Chicago School Economics that have weak empirical foundations and are instead formed in order to create an anti government perspective of the "free market"...
by Alex Frakt
Thu Oct 09, 2014 12:47 am
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15297

Re: What evidence would prove the Boglehead mentality wrong?

As mentioned before somewhat obliquely, apparently, some of the theories/hypotheses on which Bogleheadism is based may have a political basis...Efficient Market Hypothesis (apparently) being associated with Free-Market economic policies and so on. [Moderators, please don't delete. I think, if this ...
by Alex Frakt
Wed Oct 08, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15297

Re: Post disappeared before being posted

I just spent about an hour listing out my information including investment options in my 457b. I then sent the post - and lo, and behold! I got the message that I needed to be logged in to post (woops - looks like I forgot, but maybe I was logged in and spent too much time doing the post). So I log...
by Alex Frakt
Wed Oct 08, 2014 1:46 pm
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1247

Re: Medical Tourism - recent article

Locked. Medical questions are off topic here. So are general comment threads, questions have to be about your personal situation.
by Alex Frakt
Mon Oct 06, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1684

Re: Is my husband a spendthrift? Or I a tightwad?

BTW, I'm very conscious of sounding like a spoiled brat, I don't want to do this, I can't compromise on that. It's because I am not convinced that our situation is that dire. Thanks to the trust fund, the gifted house, and your healthy earned income, it's not dire. You can even stick to your curren...
by Alex Frakt
Fri Oct 03, 2014 1:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15740

Re: Buy Local

Locked. General comment thread (not personal and actionable).
by Alex Frakt
Thu Oct 02, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 2382

Re: Is my husband a spendthrift? Or I a tightwad?

I'd strongly consider selling the gifted house instead...

Another thought... Even if you do want to eventually move into the gifted house, why not rent it in the interim?
by Alex Frakt
Thu Oct 02, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15740

Re: Is my husband a spendthrift? Or I a tightwad?

School/childcare and why I won't move for 2 years: My kids attend a charter/immersion language program which we are very happy with. We do not plan to move them to the new school where the other house is. I want to wait 2 years so I can get my youngest into Kindergarten at our current school. I am ...
by Alex Frakt
Thu Oct 02, 2014 5:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15740
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