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Re: University of Phoenix

yellowgirl wrote:Would you hire a person that received a BA from University of Phoenix?


I might, but would consider this degree a negative (worse than no degree at all).
by Boglenaut
Sat Feb 21, 2015 7:26 am
 
Forum: Personal Consumer Issues
Topic: University of Phoenix
Replies: 20
Views: 2230

Re: The 8x retirement savings rule

zratis wrote:Recently I got an email from Fidelity about the "8x retirement savings rule", which is basically:

When you’re: Aim to have:
67 years old 8x your salary saved
55 5x
45 3x
35 1x

Is this realistic?


Such rules are totally meaningless and I wish companies would stop promoting them.
by Boglenaut
Thu Feb 19, 2015 10:31 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7608

Re: Throwing away the key to my accounts (kind of)

Today I am letting my wife change all my passwords on my investment accounts. If this is an account at Vanguard, it is actually against the rules. My wife and I only know our own passwords, not each others'. But we gave each other permission to control both accounts. So I can log on as me and see h...
by Boglenaut
Thu Feb 19, 2015 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Throwing away the key to my accounts (kind of)
Replies: 12
Views: 833

Re: What is your favorite consumer product?

Many store-brand items including: Aldi baked potato chips ($1.49) Walmart's Twist-Up lemon-lime soft drink (84 cents) Walmart's Great Value beans (no sodium versions at cheaper cost and better quality) (68 cents) Netflix streaming Products I loved that are no longer available around me: Kirkland cra...
by Boglenaut
Wed Feb 18, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 147
Views: 8586

Overfilled Oil in Car - Cause of Oil Leak?

I have a 2004 Honda Civic with 75,000 miles on it. I have the oil changed every six months. The last time was Oct 1, 2014. Anyway, I noticed a small oil leak of about 1 or 2 drops when I park the car in my garage overnight. I checked the oil and it was overfilled. Note that I never put any oil in th...
by Boglenaut
Sat Feb 14, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Found $100 Bill at Walmart

Thanks for updating us.

One time I had a $15 pizza delivery bill and accidentally gave the guy a $50 instead of a $20. He came back after 5 minutes and told me the error.

He got a $10 tip and a call to his manager commending him, so we both were happy.

I wish everyone was so honest.
by Boglenaut
Fri Feb 06, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11779

Re: TIAA CREF jump in fees

By the way, I cannot roll this fund over. I have had it 20 years and no matter what they did with fees I was stuck. So at least some good news at last. I'd rather still move it out to Vanguard, but at least it is a bit less painful now.
by Boglenaut
Thu Feb 05, 2015 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF jump in fees
Replies: 11
Views: 1177

Re: TIAA CREF jump in fees

Mine went down a lot. My TIPS fund is going from .405% to .325%.
by Boglenaut
Thu Feb 05, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF jump in fees
Replies: 11
Views: 1177

Re: [Poll] Company & Job Longevity

My first job was with the Federal Government. I do not know if my exact position is still around or not, but I suspect they have one or two engineers still about somewhere.
by Boglenaut
Tue Feb 03, 2015 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Company & Job Longevity
Replies: 24
Views: 1891

Overweighting REIT: Thought Experiment

For years, I kept a very small over-weight on REIT (VGSLX) on the theory that real-estate was under-represented in the public market. But I thought about this more. Most professional sports teams in the US are privately owned. So they are most likely to be under-represented in my portfolio. But I wo...
by Boglenaut
Sun Feb 01, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting REIT: Thought Experiment
Replies: 16
Views: 1818

Re: Vanguard states ERs to 3 places!

Nisiprius,

I think the subject heading of your post is a bit misleading.

I was expecting to see something like TSM ER = 0.047% or .053%. My 401K does that (in some places).

I was all set to start updating my spreadsheet!
by Boglenaut
Sat Jan 03, 2015 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard states ERs to 3 places!
Replies: 26
Views: 2897

Re: I think I just got a $5,000 watch for Christmas

Closure at last!

The earth can now stop spinning in a shallow dark eerie void, and be now filled with happiness and warmth.

Congratulations

(PS - no watch here...no cell phone either.)
by Boglenaut
Thu Dec 25, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179519

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the heads-up on this. I registered my Costco card by phone last night (did not want to set up yet another online account and password). I went to 3 places on the list today so let's hope all goes smoothly. The last place was a grocery store I usually buy craft beer at but never ever food...
by Boglenaut
Mon Dec 15, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8399

Re: Who Paid for the wedding?

anonforthis wrote:We eloped


Same here. Best way to go! We never regretted it for a second.
by Boglenaut
Sun Dec 07, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6742

Re: Any great YouTube clips (about investing)?

Are those great animations by Boglenaut available? NO, darn it... too bad, those were funny (and true). Oh, I had some account changes on YouTube account and they came down about a year or two ago so I could clean things up. They were no longer getting any hits by then so no one noticed. I still ha...
by Boglenaut
Sun Dec 07, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Any great YouTube clips (about investing)?
Replies: 9
Views: 1235

Re: I need to stop looking at the market everyday!

I check 10 times a day just because I enjoy it. However, I do not take any action unless it triggers a re-balancing threshold.
by Boglenaut
Tue Dec 02, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 36
Views: 3786

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the heads-up on this. I registered my Costco card by phone last night (did not want to set up yet another online account and password). I went to 3 places on the list today so let's hope all goes smoothly. The last place was a grocery store I usually buy craft beer at but never ever food ...
by Boglenaut
Sat Nov 29, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8399

Re: Documentaries to recommend?

The Galapagos Affair: The Unsolved Murder Mystery I watched it on Netflix recently. From NYT: http://www.nytimes.com/2014/04/04/movies/galapagos-affair-historical-documentary-of-island-expats.html?_r=0 The movie focuses on the eccentrics who, beginning in 1929, settled on Floreana, a small, uninhabi...
by Boglenaut
Sat Nov 29, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 127
Views: 14863

Re: Am I being too conservative at 65/35?

I think in your situation, 65/35 is conservative, but if it fits your risk tolerance profile you should stick with it. It is certainly in the "reasonable" range.

Think of it this way: you have over 1.1 MILLION in the stock market!

That's plenty of room for growth.
by Boglenaut
Fri Nov 28, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 24
Views: 4127

Re: Should 529s be counted part of our net worth?

I think technically it should be counted, but we purposefully do not count it as part of the "Magic Number". It's for the kids, not my wife and I. Psychologically, it is not our money.
by Boglenaut
Fri Nov 28, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2611

Re: What percent "Boglehead" are you?

Here are past polls that may be of interest:

viewtopic.php?f=10&t=47294

I also had a poll like this, but could not find it in my search.
by Boglenaut
Mon Nov 24, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10320

Re: Telephone Calls! Help! [Stopping telemarketing calls]

Just an update... I'd say my problem is 85% solved by this. A few rings and most get cut off. Pretty good for a free solution!
by Boglenaut
Mon Nov 24, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9532

Re: Girlfriend with a LOT of Student debt.

So far her philosophy has been to not let the debt ruin her life. She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. This stresses me out. Does she know what it is doing to your life? She does not seem to be in tune with your feel...
by Boglenaut
Mon Nov 24, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13837

Re: Girlfriend with a LOT of Student debt.

I agree with JupiterJones above. How she views debt is as much of her personality as anything else. It's reasonable to consider that in a potential mate just as much as if you had strong opposing religious views, or one was a couch potato homebody and the other was a sky-diving adventure seeker. It ...
by Boglenaut
Mon Nov 24, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13837

Re: BOGLEHEAD CONTEST -- S&P at record high.

cfs wrote:Long way to go

392
cfs
2076.44


I'll be delighted if you win.
by Boglenaut
Wed Oct 15, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3990

Re: BOGLEHEAD CONTEST -- S&P at record high.

I was just thinking how lucky we are my prediction is off. My prediction was the market would dip and we would be lucky to close the year essentially unchanged. Do I lose my prediction certificate? The year is yet young, you could still be right! Unfortunately, the index is at 1856.18 right now, me...
by Boglenaut
Wed Oct 15, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3990

iOS 8 on iPad 2

Just to give everyone a heads up.. I installed iOS 8 on my iPad 2 and now I get multiple apps crashing. My USA Today app crashes 100% of the time now.

I suggest waiting a bit before upgrading.
by Boglenaut
Wed Sep 17, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 2021

Re: Feeling smug until 10 year ROR from Vanguard

Mine shows 12.6% (no time period specified).

I never bothered to check it before given that it is a meaningless number.
by Boglenaut
Sat Sep 13, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 8072

New Roof Needed Soon... Advice?

My house was built in 1995 or 1996 and the original roof is started to show its age. I have one spot that needs repaired every two years or so (including right now). So, I know the day is coming for a full replacement. I live in a Northern US climate. Any general advice? What to expect? Best way to ...
by Boglenaut
Thu Sep 11, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3116

Re: POLL: What was the first stock you ever bought?

I never bought an individual stock.

I did have ETFs VSS, EWC, and VWO at one time, but since have sold them to buy VTIAX once it re-organized and now stick to mutual funds (mostly admiral index funds).
by Boglenaut
Thu Sep 04, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 3090

Re: Why do we tip restaurant servers?

As a customer, I'd rather pay more fixed price and have no tipping (as long as net income to the wait staff remain the same). It's very distracting from an enjoyable evening worrying that I under-tipped or over-tipped. I actually prefer places where you order at a counter so no tipping. I do things ...
by Boglenaut
Fri Aug 22, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2492

Re: Dow Jones Index Fund?

I really wish they would quit reporting the Dow Jones completely... such an inferior index.
by Boglenaut
Tue Aug 19, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 42
Views: 2839

Re: Defining "Stay the Course"

cfs, I like the idea "course correction."

nisiprius, I would be on the second line.
by Boglenaut
Tue Aug 19, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3866

Re: US REITs already have international exposure

US REITs already have international exposure It works the other way around as well. When I researched the international REIT fund, one of the biggest holdings was Westfield, which is an Australian REIT that owned the mall down the street from me. Seemed silly to pay a premium to invest in a mall a ...
by Boglenaut
Tue Aug 19, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1310

Defining "Stay the Course"

I am a pretty consistent Boglehead with a plan and am good at mainly sticking to it. But I just had a job-related life event that suddenly changed my risk profile. As a result, I moved my 4% allocation of High Yield bond fund to intermediate bonds. I know there has been a flow recently out of high y...
by Boglenaut
Tue Aug 19, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3866

Re: "Our life is frittered away with detail."

I have one credit card. I would rethink that one if I were you, Taylor. We used to have just one card. Then when hackers stole the number from a data center 3 times in 5 months, we got a second card. If you have one card, are you prepared to live on no card at all at a moment's notice? At least tha...
by Boglenaut
Tue Aug 19, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 76827

Re: Savings Percentage [rules of thumb]

My wife and I are subscribers to the bogleheads / LBYM philosophy, but as a metrics guy I'm interested to get a better understanding of the rule of thumb that I hear regarding what percentage of earnings we should be saving. NTIG Ignore rules of thumb about what percentage of pay you should be savi...
by Boglenaut
Sat Aug 16, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5878

Re: Telephone Calls! Help!

NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID. I eliminated at least 5 calls per day. Oh ---- and it is FREE. OK, I just set it up. I'll report back my results after some time. So far, I got about 4 junk calls...
by Boglenaut
Fri Aug 15, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9532

Re: [Poll] How I Feel When I Think about Investing, etc.

Thanks for the responses. This is what I expected, but I wasn't sure since as far as I know no one asked this question before. :sharebeer
by Boglenaut
Fri Aug 15, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2513

Re: How to value house with unwanted tennis court

I bet this house won't sell for a while. I would be careful to not bid too high on it and be prepared to walk away.
by Boglenaut
Fri Aug 15, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2436

Re: Telephone Calls! Help!

NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID. I eliminated at least 5 calls per day. Oh ---- and it is FREE. OK, I just set it up. I'll report back my results after some time. So far, I got about 4 junk calls...
by Boglenaut
Wed Aug 13, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9532

[Poll] How I Feel When I Think about Investing, etc.

When I think about investing, retirement planning, personal finances, etc (the types of topics generally discussed on this board), I actually find it fun and interesting. It is a hobby that relaxes me and I like reading about it here or going to local chapter meetings to discuss it. I spend so much ...
by Boglenaut
Wed Aug 13, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2513

Re: Why is Germany such a small part of European Index Funds

I asked that same question a few years ago, but for some reason cannot find that thread. :confused :?: :confused
:?:
by Boglenaut
Mon Aug 11, 2014 6:27 am
 
Forum: Investing - Theory, News & General
Topic: Why is Germany such a small part of European Index Funds?
Replies: 6
Views: 970

Re: Going 60+% international? (US resident)

Cost is higher. Assuming

VTSAX .05%
VTIAX .14%

So if you invest 100K, your weighted average goes up from $95 to $104 per year.

{Darn it Vanguard! This used to be my best argument against over-weighting international! ;) )
by Boglenaut
Fri Aug 08, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 85
Views: 7079

Re: Timing Belt Change - Months or Miles if car is old?

Thanks for this thread. I reviewed my owners manual and saw I was 3 years overdue (but plenty of miles left). I plan to keep the car for 5 more years so got it done (friend had really good coupon too). $459 including water pump.. fluids, other belts, etc.
by Boglenaut
Fri Aug 08, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 9533

Re: Telephone Calls! Help! [Telemarketing phone calls]

Oddlot wrote:Why, in this age of caller ID, would anyone ever answer a phone call unless it is someone they know?



Job search. I kept hanging up on a legit caller once. Oops.
by Boglenaut
Fri Aug 08, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9532

Re: Telephone Calls! Help!

Igglesman wrote:NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID.
I eliminated at least 5 calls per day.

Oh ---- and it is FREE.


OK, I just set it up. I'll report back my results after some time.
by Boglenaut
Fri Aug 08, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9532

Re: How do you address your inlaws and being addressed?

My in-laws and I do not speak the same language and we never met (I can't go there and they cannot come here easily).

They are perfect and they think I am perfect. Life is good! :)
by Boglenaut
Fri Aug 08, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 5276

Re: The Worst Investment You Can Make: Buying a Home

Buying a home is not an investment.
by Boglenaut
Fri Aug 08, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 17151
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