Search found 130 matches

by Copernicus
Fri Aug 14, 2015 5:59 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7076

Re: Carry on luggage

Make sure to measure dimensions INCLUDING wheels and strap since the manufacturers only list the dimensions of the container, while the airline makes you fit the carry-on in that box they keep at the gate!! Some airlines send you back before going through security to check in a bag that does meet re...
by Copernicus
Fri Aug 14, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Actuary - Managed Care Actuary vs Insurance Company Actuary
Replies: 4
Views: 462

Actuary - Managed Care Actuary vs Insurance Company Actuary

A friend has MS Statistics degree, and passed the first actuarial exam (P). Looking into jobs. Location: Columbus, Ohio. - Can someone shed light on what career options would be good for this friend? - How does "Managed Care Actuary" in a Hospital compare with "Property and Casualty A...
by Copernicus
Thu Jun 04, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying a condo in earthquake-prone area?
Replies: 27
Views: 1999

Re: Buying a condo in earthquake-prone area?

And not all earthquake insurance in California is pricey. My earthquake insurance is quite reasonable. I'm not exactly sure why this area is rated as the lowest possible risk in CA when there are so many fault lines nearby, but I'm not going to argue with the price. The annual premium is less than ...
by Copernicus
Wed Jun 03, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo in earthquake-prone area?
Replies: 27
Views: 1999

Re: Buying a condo in earthquake-prone area?

madbrain wrote:Seriously though, earthquake insurance is very unaffordable. Even if you had a single family home, you probably would skip on it due to the high cost and high deductible.

This is exactly what I have heard from owners of single family homes in NorCal.
by Copernicus
Sat May 02, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Joint Ownership in England
Replies: 9
Views: 522

Real Estate Joint Ownership in England

We are thinking of jointly owning a 'flat', that is, an apartment with an immediate family member in London. What US and UK regulations do we need to consider/abide by? Also, it would be appreciated if you provide comments from your own experiences in similar situation. (We will invest in the flat t...
by Copernicus
Mon Mar 30, 2015 2:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 27
Views: 4852

Re: San Jose, CA Area Bogleheads Chapter

There is no requirement or expectation on the part of Sweet Tomatoes for anyone to buy any food or beverages. Thank you both for organizing this! I plan to attend. Is it expected that those attendees who want to eat there should eat before/after 6:30 - 8:30? Or, is the room suitable for, and the gr...
by Copernicus
Sun Mar 29, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1525

Re: Tree in the Yard

3 feet in diameter is HUGE for an ash tree. Did you mean circumference? (There are ash trees more than 20 years old in my neighborhood that are not even close to that big.) It is generally not a good idea to add a lot of soil around the root crown . One can tell if a tree needs water by observing t...
by Copernicus
Sun Mar 29, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1525

Tree in the Yard

Planning landscaping, learning about trees; but somewhat confused/concerned by some things that might be 'elementary' to others. Have an Ash tree in front yard. It was planted about 20 years ago by previous owner. About 7-8 feet from the exterior front of the house, it is in the middle of the lawn. ...
by Copernicus
Mon Feb 09, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or s-corp?
Replies: 5
Views: 597

Sole proprietor or s-corp?

I seem to have a somewhat unique situation. Most of my self-employment income is from a single client. I can not be sure that it will continue year-after-year at the same high level. If the client changes their business model, majority of my work could stop after a year or two. I do Not have unreimb...
by Copernicus
Fri Feb 06, 2015 5:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Bay Area Bogleheads?
Replies: 21
Views: 3991

Re: San Francisco Bay Area Bogleheads?

I would be interested. Venue suggestion: some place where searching parking does not take up an hour!
by Copernicus
Thu Feb 05, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 51
Views: 5579

Re: Can doctors charge more than co-pay?

Similar thing happens to me when the insurance covers a fixed percent of the final cost, like 80% or 50%, according to the care needed and the benefit plan I have subscribed to - minus deductible under my plan.
by Copernicus
Fri Jan 16, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 2390

Re: Options for calling the U.S. from International ?

If both phones download VIBER app, you can call FREE from one mobile phone to another anywhere in the world. You need to be in a free wifi zone though, which you can get either through home wireless modem area or in cafes or libraries, etc.
by Copernicus
Fri Dec 19, 2014 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab online portfolio checkup tool
Replies: 6
Views: 1294

Schwab online portfolio checkup tool

I checked my portfolio using Schwab online portfolio checkup tools. I hold BSV and BND, which are shown to have international portion! BSV: about 13% and BND about 7.8 to 14% in different accounts! I think there are no international bonds in these ETFs. Does anyone have comments on the accuracy and ...
by Copernicus
Mon Nov 24, 2014 3:15 pm
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 3856

Back-up Drive - Local or Cloud? Which?

I have been backing up on a local hard drive. Personal files and important documents. 200 Gb total. I wonder whether others find it better to use local or online? Google Drive seems easy to use. Would appreciate comment on Google Drive experience, other better options, cost effectiveness, convenienc...
by Copernicus
Sat Nov 22, 2014 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust? Strategies for inheritance?
Replies: 6
Views: 1264

Family Trust? Strategies for inheritance?

In 2014, the current federal estate tax exemption is $5.34 million. If you are married, that amount is effectively doubled to $10.68 million. Before discovering BH, I made a family trust in 2008 because of all the hoopla I read about probate courts; although my net worth was, and still is well below...
by Copernicus
Sat Nov 22, 2014 1:23 pm
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10984

Re: What percent "Boglehead" are you?

60%. found BH too late. had many individual stocks in portfolio with gains that i did not want to sell. new money went into index etfs.
All heritage stocks are large cap, so i took 14% small cap index positions to complement them and simulate the market (a trcik I leanrnt on this forum!) .
by Copernicus
Thu Nov 20, 2014 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or other forms?
Replies: 7
Views: 1134

Sole proprietor or other forms?

I am a self-employed consultant. Currently sole proprietor. I did not consider forming LLC since only some work was trickling in. In the last 4-5 months, my work has increased substantially and consulting income is up to 60K this year. Next year, I project anywhere from 60 to 100K. Spouse works a re...
by Copernicus
Mon Oct 13, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 851

Re: Rebalancing - investment choices

So more than you asked for, but I don't think I really ever summarized how I got to where I am now. Kevin M: The whole commentary is really very useful! Thank you for taking the time! As I am completing my first year of BH-style investing, I realize that I am learning more while structuring my port...
by Copernicus
Mon Oct 13, 2014 11:20 am
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 690

Re: FEZ - concentrated ETF

I just found AIA that also appears interesting.
by Copernicus
Mon Oct 13, 2014 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 851

Re: Rebalancing - investment choices

Kevin M wrote: This isn't what I do now, but it formed the basis of the evolution into what I do now.
Kevin


Would you comment on why you stopped slice/dice and what you do now? Thank you.
by Copernicus
Mon Oct 13, 2014 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5753

Re: Losing money, please advise

what should i do? Given the original DCA is completely arbitrary, i am not sure what "rule" i should invoke to decide the next step!! Please help! :confused 1) stay the course and implement the 6 month DCA 2) change the DCA to 12 months 3) Postpone it my a month and reevaluate stay the co...
by Copernicus
Sun Oct 12, 2014 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 851

Re: Rebalancing - investment choices

Unless you are talking about significant sums of money in each account, it seems that the work to do all this rebalancing by sector would probably not be worth it. Laura Very true. Work and trading costs and taxes. That is why I was not suggesting using sector ETFs. However, I think it should be ea...
by Copernicus
Sun Oct 12, 2014 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 851

Rebalancing - investment choices

I have a BH portfolio for a year now, and currently in the process of first rebalancing. I am asking myself the following questions. Please comment: - It is known that value and growth segments do not grow at the same pace. So, even when both value and growth segments go up, they dont go up to the s...
by Copernicus
Sun Oct 12, 2014 11:40 am
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 690

Concentrated ETFs

Great suggestions! Thank you!
Any suggestions for concentrated ETFs for foreign equities (other than FEZ that I had found)?
by Copernicus
Sun Oct 12, 2014 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5753

Re: Losing money, please advise

Lot of good comments already from others. My two bits: - Build some experience in investing. When I was new to investing, I found it useful to move available money in 3 to 5 portions into new investments, once every month (called "dollar cost averaging" technique"). Moving all money i...
by Copernicus
Sat Oct 11, 2014 11:53 am
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 690

FEZ - concentrated ETF

I have a BH kind of portfolio. I want to tilt my portfolio slightly (no more than 2%) with megacap stocks, with the premise that in worsening economies, megacaps will have the financial wherewithal to continue to do well. But I do not want to buy either individual companies or buy ETF with hundreds ...
by Copernicus
Sat Jul 26, 2014 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 787

Reducing picture file size in kb

Help! - I am trying to reduce file size of a few pictures from large kilobytes size to less than 12 kb. I tried the solutions suggested by goggled answers, but they just reduce the dimensions of the picture, not the kb. Current file formats are jpeg, tiff, etc.
by Copernicus
Sat Jul 26, 2014 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 38
Views: 4517

Re: Have a million to transfer, thinking of doing 100% stock

Trevor,

Have you considered any tax impact on inheritance? Or, is it total inheritance minus taxes=almost a mil?
by Copernicus
Sun Jul 13, 2014 12:57 pm
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1648

Other forums of same high Quality?

I am always thrilled to visit BH forum as it is full of engaging posts with insightful conversations, conducted in very helpful yet polite manner! I am interested in similar forums for other kinds of topics. Is there a way to find top-rated forums on various interests? For example, I am interested i...
by Copernicus
Sun Jul 13, 2014 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 8379

Re: Have you quit your job because of your boss?

squirm, It is great that you are not viewing your situation as a unique problem, since people routinely face these kind of situations. Solutions are as varied as the people facing them. It is commendable that you are reaching out to others to find a solution. - Nothing is more valuable than good hea...
by Copernicus
Mon Jun 16, 2014 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Other Investment Questions
Replies: 13
Views: 1193

Re: Portfolio Review and Other Investment Questions

bhramer, Looks like you and spouse are young, have good careers, living within your means, and saving substantially. Congratulations! If you both are in good health, have at least 6 months of expenses as emergency funds - If the stock market takes a dive, you probably can wait it out to recover. You...
by Copernicus
Wed May 21, 2014 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: AMT Planning Strategies
Replies: 13
Views: 1609

AMT Planning Strategies

http://www.kitces.com/blog/evaluating-exposure-to-the-alternative-minimum-tax-and-strategies-to-reduce-the-amt-bite/?utm_source=Nerd’s+Eye+View+%7C+Kitces.com&utm_campaign=e544dbe0cf-NEV_MAILCHIMP_LIST&utm_medium=email&utm_term=0_4c81298299-e544dbe0cf-57004849#more-3351 I wonder whether ...
by Copernicus
Mon Feb 03, 2014 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop tax-deferred savings?
Replies: 12
Views: 1866

When to stop tax-deferred savings?

I have saved maximum allowed in 401k accounts throughout our careers. I need to calculate whether it is better to pay taxes now and avoid large required minimum distributions after 70 years, or continue 401k contributions and pay taxes later on larger required minimum distributions. How to decide? I...
by Copernicus
Mon Feb 03, 2014 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Streamliner coming down the track. What to do?
Replies: 4
Views: 595

Re: Streamliner coming down the track. What to do?

Congratulations....., assuming you are excited to start a new phase in life after a productive, long-term employment. I have never heard of severance going into IRA as, if it is correctly called 'severance', is always regular income. I never had pension, but friends have always opted for lump sum so...
by Copernicus
Wed Jan 01, 2014 5:41 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Investment Philosophy
Replies: 7
Views: 690

Re: The Bogleheads Investment Philosophy

I joined this forum in 2013. I have found the forum one of the top three great learning experiences! I have one comment to attempt to make it even more useful: Very few people are fortunate enough to learn the BH philosophy early enough in their lives. They may begin saving wisely and investing fool...
by Copernicus
Wed Jan 01, 2014 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing spreadsheet
Replies: 2
Views: 418

Rebalancing spreadsheet

2014 will be my first year to consider rebalancing. I need a spreadsheet to trigger rebalancing when the balances change sufficiently relative to my original AA. I use Excel to track my investments. Instead of preparing my own new spreadsheet, I will appreciate if there is shared spreadsheet, or gui...
by Copernicus
Tue Dec 24, 2013 1:15 pm
Forum: Personal Consumer Issues
Topic: Just Donated!! - Who is Alex Frakt?
Replies: 7
Views: 1459

Just Donated!! - Who is Alex Frakt?

This is an amazing forum! Members are polite, but eager to help. Almost all posts present information that may take hours to dig out from the web! I just donated to support the site and I am so happy I remembered to do that! Hope all other visitors do too! BTW, the Paypal payment was sent to "A...
by Copernicus
Tue Dec 24, 2013 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Executor of will -- dealing with investment portfolio
Replies: 119
Views: 4141

Re: Executor of will -- dealing with investment portfolio

The law does not require an executor (also called a personal representative) to be a legal or financial expert, but it does require the highest degree of honesty, impartiality, and diligence. This is called a "fiduciary duty" -- the duty to act with scrupulous good faith and honesty on be...
by Copernicus
Mon Nov 04, 2013 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Can I use Interm-Term Tax Exempt as my only bond holding?
Replies: 11
Views: 1529

Re: Total Return vs. Yield ?

Ryan: Bonds and bond funds are very efficient. Higher yield nearly always means higher risk. It has been said: "More money has been lost searching for higher yield than has been lost at the point of a gun." It makes little difference if income is from yield/dividends or from capital gains...
by Copernicus
Sat Nov 02, 2013 7:28 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 395
Views: 71246

Re: Pull-ups and Push-ups

Anyone else out there who likes Bodyweight exercises? (PS--I get respect from the weight-lifters when I meet them--they like a guy in his 60s who can do 80 pull-ups in 30 minutes.) +1 Ditto ...for three decades by now, except I don't do bar pull-ups.! But I supplement those exercises with a simple ...
by Copernicus
Sat Nov 02, 2013 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 1084

Re: Tax-efficient ? fund placement

Calm Man, Thank you for the clarification. There is so much to learn on this board!
by Copernicus
Fri Nov 01, 2013 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 1084

Re: Tax-efficient ? fund placement

International stock funds are more tax-efficient than US stock funds with an equal yield because of the foreign tax credit. However, in recent years, international stock yields have been significantly higher, and thus international stock funds have become less tax-efficient than US stock funds. I d...
by Copernicus
Thu Oct 31, 2013 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Good Fidelity fund focused on International Bonds
Replies: 5
Views: 1094

Re: Good Fidelity fund focused on International Bonds

I plan to buy BNDX in my Schwab account when more money becomes available. The small spread does not bother me. On the other hand, for several small amounts invested in BNDX in Fidelity would mean a separate commission each time. That would be something to think about.
by Copernicus
Thu Oct 31, 2013 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 1084

Re: Tax-efficient ? fund placement

Comments: 1. The yields in Yahoo Finance are probably wrong. 2. There is a difference in the way bond dividends are taxed (non-qualified) and equity fund dividends are taxed (a mix of qualified and non-qualified). 3. There are the foreign taxes paid by most international funds that one can take the...
by Copernicus
Thu Oct 31, 2013 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 1084

Tax-efficient ? fund placement

I have read in the Wiki that,fixed income funds should go into tax-advantaged accounts and stocks into taxable account. International stocks would be more preferred in taxable account than US stocks. However, when I compare yields listed in Yahoo Finance for the following, it looks like the Internat...
by Copernicus
Mon Oct 21, 2013 1:26 pm
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 5399

Re: Dog can't walk on hardwood floors

retiredjg » Sun Oct 20, 2013 6:16 pm Sounds like you've solved your problem, but I thought I'd throw out one more idea. There are products that are made for show dogs that make their pads "grippier" so they are sure-footed in the show ring. I've never used any, but if you google something...
by Copernicus
Mon Oct 21, 2013 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Overlapping Holdings among VB, VBR and VTV
Replies: 2
Views: 467

Re: Overlapping Holdings among VB, VBR and VTV

Doesn't a Morningstar portfolio X-ray do this? Actually, I am new to Morningstar site as well. I was thinking of how good alternatives these might be to each other in tax loss harvesting exercise. I was able to see the holdings list of each ETF, but I thought there might be some source stating that...
by Copernicus
Sun Oct 20, 2013 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Overlapping Holdings among VB, VBR and VTV
Replies: 2
Views: 467

Overlapping Holdings among VB, VBR and VTV

New to Vanguard. Is information available on how much overlap is there among holdings of these ETF's or corresponding Vanguard funds? How can I get it?
by Copernicus
Sun Oct 20, 2013 4:19 pm
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 5399

Re: Dog can't walk on hardwood floors

Im am the OP. Interesting, low-cost option:
Wife found inexpensive exercise/yoga mats made of rubber in Ross for less than $10 each. The dog does not have to walk on hardwood floors more than a couple feet, mats are easy to clean or hose down, easily portable, don't soil easily. Problem solved!
by Copernicus
Fri Oct 11, 2013 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 6354

Re: Talk me down

I am not being flippant or rude, but please make sure you are not putting decimal in the wrong place. Have someone else check your calculations. If these gains are correct, you would have to pick a new portfolio of different companies, based on today's market values and see if you can repeat the per...

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