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Re: Birthday gift ideas for a 7 year old chess player

See if the membership to online chess playing site is optimal

http://www.chessclub.com/
by Ruby
Mon Jan 19, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1494

Re: US/foreign allocation under massive relative US drop

This discussions, of Market weighing comes often, and I was really trying to follow, but hard to follow. Hence in the last 2 / 3 months, after many readings and thoughts and experiences, wrote in my IPS, as follows. 1. Investment like anything else in life is some part science and some part art. 2. ...
by Ruby
Sun Jan 18, 2015 5:20 am
 
Forum: Investing - Theory, News & General
Topic: US/foreign allocation under massive relative US drop
Replies: 21
Views: 1428

Re: Is this normal for a new account?

Same issue, we are facing. Tried to open an new account. The online application was struck in the middle of the process. Called customer service, she cannot figure out what was going on. In the end, said to submit the paper application. Mailed the paper application, no information for about two week...
by Ruby
Thu Jan 15, 2015 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Is this normal for a new account?
Replies: 6
Views: 1407

Re: Accepting counter-offer to stay at job

rgardne70 wrote:My feeling is that once you have accepted the new position and given your notice, you honor your commitment if you are a person of integrity.

Any negotiation and talking with your current employer should have occurred before you accepted the new position.


+1
by Ruby
Mon Jan 05, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6629

Re: The riskiest (Bogleheads) portfolio you can think of

50 % Total Stock Market Index
50 % Extended Market Index
by Ruby
Sun Jan 04, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: The riskiest (Bogleheads) portfolio you can think of
Replies: 15
Views: 1628

Re: New $1 additional investment minimum at Vanguard

Great to teach college kids to save say $20 per week :D
by Ruby
Fri Jan 02, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: New $1 additional investment minimum at Vanguard
Replies: 11
Views: 2521

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2265.68
by Ruby
Thu Jan 01, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19749

Sector Investing - Need Clarification

Mostly our portfolio is a 3 / 4 Index fund portfolio. Lately an urge, pops up, why not invest 5 % or 10% in sector funds. Not able to make a decision one way or another. Still reading... on the topic My thought goes like this... Invest 5 % or 10% of the current portfolio in 2 /3 sector funds. Then i...
by Ruby
Sun Dec 28, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sector Investing - Need Clarification
Replies: 2
Views: 311

Re: Where to put cash now? Prefer CD's.

obgyn65 wrote:I always buy my CDs (most of them 10-year CDs) from edward jones to make sure I get very high rates. I have never been disappointed by edward jones on that front.


Please can you state where edward jones refers in the end for the CD
by Ruby
Sun Dec 28, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put cash now? Prefer CD's.
Replies: 33
Views: 6854

Re: Don't be tempted to buy your teen a cheap (old) car, par

The data are clear. Teens should never drive cars - new or old, cheap or expensive. Or be home schooled through college. Then find a Work at Home job. +1 It all depends on your situation. If the teen is in college and has the opportunity to commute, what are the options, without driving their own c...
by Ruby
Wed Dec 24, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 11622

Re: Help with an adults only all-inclusive

Through AAA

Dreams La Romano, Dominican Republic

Other dreams or secrets properties

http://www.amresorts.com/
by Ruby
Sat Dec 20, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 26
Views: 4426

Re: Thanking of mid career shift

Consider IT Manager positions, for companies ( Not consulting ) You may make a good fit as the Application Management Service(AMS), manager / technical lead for the areas of payroll / purchasing. Once in, you can transition to other IT manger \ technical \ leadership roles across other business area...
by Ruby
Mon Dec 15, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thanking of mid career shift
Replies: 6
Views: 1527

Re: Foreign currency exchange (small amounts)

Any ideas on exchanging small amounts of foreign currency? I have a few dollars worth leftover from a business trip. My credit union won't do an exchange, and Wells Fargo wants a $7.50 fee. Which is more than the currency is worth. On the other hand, throwing the money in the trash seems wrong. Giv...
by Ruby
Mon Dec 15, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Foreign currency exchange (small amounts)
Replies: 3
Views: 321

Re: Should I buy house with a crack?

cheese_breath wrote:
rob wrote:Don't guess... pay a structural engeneer to make a determination.

+1 Yes, do that.


+ 1

Don't guess, get a professional structural engineer evaluate and provide the recommendation.
You price can account for the future repairs, as needed.

If possible stay away from this house, as well.
by Ruby
Mon Dec 15, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3267

Re: Is it safe to leave Laptop in hotel room

Mostly leaving the laptop in the hotel room is safer, if the hotel is a chain and business class.
Have done it every time I travel, for many years.

thanks
Ruby
by Ruby
Sun Dec 07, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13888

Re: Dealing with unauthorized (lawyer) bill

You do need to see if you do want to pay off and go on with your life or fight this one, if the $$$ is significant and you have the muscle to fight over. Not sure, by mailing the documents and discussing, you had a verbal agreement. Only the two of you will know and it will be the point of disagreem...
by Ruby
Thu Dec 04, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 9717

Re: Where do you tilt (your 3-fund portfolio)?

On the Equity side, I am contemplating to be as follow : 25% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 25% Vanguard Extended Market Index Fund Admiral Shares (VEXAX) 25% Vanguard FTSE All-World ex-US Index Fund Admiral (VFWAX) 25% Vanguard FTSE All-World ex-US Small-Cap Index Fun...
by Ruby
Wed Dec 03, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt (your 3-fund portfolio)?
Replies: 42
Views: 3575

Re: Best CD rates ...

One thing. Your best bet with CDs might be to ladder those 5-yr CDs. Buy one this year at the best rate you can find, another next year, and so on, until the five-year ladder is filled. Five-year CDs, by-and-large, are the most competitive and the most readily-available. The key to any CD ladder is...
by Ruby
Mon Dec 01, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Re: Best CD rates ...

That range for a 5 yr CD is very good. I wouldn't worry about the on line bank. Just be sure to understand the early redemption penalty and if the bank retains the right to refuse early redemption. That goes for brick and on line bank CDs. Vanguard offers a brokerage 5 yr CD at 2.3% (FDIC). It is b...
by Ruby
Mon Dec 01, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Re: Best CD rates ...

Fidelity Fixed Income/CD rate page: https://fixedincome.fidelity.com/ftgw/fi/FILanding 5yr brokered CD 2.3% Thanks, trying to my head around, "what is a brokered CD ?" - Brokered CD's are CD offerings that are sold at firms such as Fidelity or Vanguard, rather than directly by the bank - ...
by Ruby
Mon Dec 01, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Re: Best CD rates ...

orlandoman wrote:Fidelity Fixed Income/CD rate page: https://fixedincome.fidelity.com/ftgw/fi/FILanding

5yr brokered CD 2.3%



Thanks, trying to get my head around, "what is a brokered CD ?"
by Ruby
Mon Dec 01, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Re: Best CD rates ...

Check out Vanguard brokered CD's. New or existing CDs can be purchased, that pay out more. I just purchased some 10 year CDs at Vanguard paying out 3.4%, and they are worth more now, than when I purchased them. Imagine that. I think that 3.2% is now being sold new there. Not aware of the product su...
by Ruby
Mon Dec 01, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Re: Best CD rates ...

Tom_T wrote:A year ago, Penfed had a "sale" on CDs, with attractive rates. We'll see if they do it again.


In January ?
by Ruby
Mon Dec 01, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Best CD rates ...

Researching for the Best CD rates... So far Synchrony bank CD rate of 2.2 % - 2.5 %, seems the optimal https://www.myoptimizerplus.com/banking/products/cd/index.htm?UISCode=0000000 Any other banks to consider. This will be the first time, to go towards a fully online bank. Any challenges to think ab...
by Ruby
Mon Dec 01, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4478

Re: Girlfriend with a LOT of Student debt.

To me there seems to be disconnect, I am not sure the OP is aware of her earnings potential aka "human capital" she has. She not wanting to practice law, do not take away her earned human capital. She will utilize it. With $50 k earning not sure of the OP education. For sure the girl frien...
by Ruby
Tue Nov 25, 2014 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13774

Re: Girlfriend with a LOT of Student debt.

To me there seems to be disconnect, I am not sure the OP is aware of her earnings potential. With $50 k earning not sure of the OP education. For sure the girl friend haS the professional education, hence the debt due to her education. When I started to earn got a shiny new car, that my manager at t...
by Ruby
Tue Nov 25, 2014 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13774

Re: What percent "Boglehead" are you?

85% using the link posted by nisiprius, with my adjustments \ thoughts
by Ruby
Sun Nov 23, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10250

Re: Vanguard Split Acct - did I cause this?

Happened to me earlier. If the account has more than 10 (?) funds in Roth #1, even if the funds have $0 balance, if a new fund is added to the account, it will create Roth#2. With the help of the representative, moved the funds with $$$ amount to Roth #1. Still Roth #2, is available with funds, with...
by Ruby
Sat Nov 15, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Split Acct - did I cause this? (NOT)
Replies: 23
Views: 2719

Re: Livesoft - Thank you

Appreciate all your postings Livesoft. Enjoy reading your posts, very practical, with thoughtfulness. I have been to this site for a couple of years ago, got my mind in the Booglehead philosophy, asked a few questions, and said to myself Okay I got what I do need to know, nothing much for me in this...
by Ruby
Sat Oct 18, 2014 8:16 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5923

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor.

Thanks a lot for all the sharing !

:sharebeer
by Ruby
Wed Jan 22, 2014 8:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23354

Re: Paid off the mortgage on Friday!

Congratulations, great move. :sharebeer
by Ruby
Sun Feb 24, 2013 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage on Friday!
Replies: 38
Views: 3431

Re: Stop ! Or Tinker, Tinker, Tinker

Thanks Eric
by Ruby
Sun Feb 24, 2013 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop ! Or Tinker, Tinker, Tinker
Replies: 4
Views: 550

Stop ! Or Tinker, Tinker, Tinker

Edited to follow Ladygeek's advice to post in the Required format.
by Ruby
Sun Feb 24, 2013 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop ! Or Tinker, Tinker, Tinker
Replies: 4
Views: 550

One fund or more fund in an account

edited to ask in the required format.
by Ruby
Wed Feb 20, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: One fund or more fund in an account
Replies: 2
Views: 324

Re: Dishwasher Recomendations

I trust you mean food disposal (self cleaning)? Our LG slim line has been fantastic. I won't give you our model number as it's probably out of date now; the LDS5540ST looks comparable to what we have. It is so quiet, I would not know whether or not it were on but for the fact I'm the one who starts...
by Ruby
Sat Feb 16, 2013 9:41 am
 
Forum: Personal Consumer Issues
Topic: Dishwasher Recomendations
Replies: 7
Views: 539

Dishwasher Recomendations

In the market for a new Dishwasher. Our current dishwasher had the food dispenser ( self clean) and heated drying.
Hence looking with the same features : food dispenser and hot air drying.

Any recomendations appreciated.
by Ruby
Sat Feb 16, 2013 9:24 am
 
Forum: Personal Consumer Issues
Topic: Dishwasher Recomendations
Replies: 7
Views: 539

Re: Deciding college for High School Graduate

Hi Is there any web sites or books that will help navigate the pros and cons of each schools, within state out of state, etc. Does any specific undergrad help her in her MCAT exam ? Thanks Ram We used a book called "Best 247 colleges' by Princeton review. It was one of the many similar books a...
by Ruby
Sat Feb 16, 2013 8:19 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Re: Lexus RX 300. Timing belt. $884.

I got almost the same estimate for my 1999 Honda Odessey. Did not do it.
Seems high. However friends told me around $400, with minimal changes, such as no water pump change is normal.

-- Ram
by Ruby
Wed Feb 13, 2013 10:22 am
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 7667

Re: Deciding college for High School Graduate

I went to University of Michigan for undergrad and got into med school. That being said I'm sure if I had the same grades and MCAT score I probably would have gotten in to med school whether I went to Michigan State, Alma, Albion, etc. That being said if you like smaller classes, more individual at...
by Ruby
Wed Feb 13, 2013 7:59 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Re: Deciding college for High School Graduate

My son (HS senior, National Merit Finalist) is thinking of grad school someplace like that in bio-mechanics after a Mechanical Eng.undergrad, with bio-mechanics emphasis. Great suggestion on the undergrad. This weekend my daughter attended the " Perry Initiative " which had a goal to get ...
by Ruby
Tue Feb 12, 2013 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Re: Deciding college for High School Graduate

As a high school Govt/Economics teacher for 16 years I see senior students struggle with this decision. In my opinion too much emphasis is put on the college they attend and not enough is put on the biggest factor in how successful they will be, which is the student. Robert Thanks Robert. Sure your...
by Ruby
Mon Feb 11, 2013 5:08 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Re: Deciding college for High School Graduate

Being a physician here is my advice. If your daughter truly wants to go to medical school, it will not matter what college she goes to. I know plenty of people who went to harvard undergraduate who could not get into a us medical school. Why? Because they could not score over 30 on the mcat and ach...
by Ruby
Sun Feb 10, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Re: Deciding college for High School Graduate

Thanks stemikger.

I liked the statement "I feel so strongly about not putting kids in debt for college".

Great thought.

Thanks
Ram
by Ruby
Sun Feb 10, 2013 10:51 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Re: Deciding college for High School Graduate

Thanks MarkBarb, Great takeawy from your post, such as "near the middle of the pack", "The big state schools are often fantastic bargains, but for kids that are introverted and not self-motivated". I experience the same with two kids, one kid who is independent and know how to th...
by Ruby
Sun Feb 10, 2013 8:21 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318

Deciding college for High School Graduate

Hi My daughter is a junior in Michigan High school. She is trying to decide which colleges to apply ? She prefers to to in the science stream and potentially graduate from a medical school. As a parent how did you help ? What I can help with ? Is there any web sites or books that will help navigate ...
by Ruby
Sun Feb 10, 2013 8:01 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4318
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