Search found 301 matches

by corner559
Tue Sep 01, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6018

Re: If stocks dropped 30% next Monday, would you rebalance?

No, I wouldn't rebalance. I rebalance just 2 times per year, at the start of the new year and in July and only if I'm under/over my allocation by more more 5%. Who knows. It could drop 30% one day and then jump back up the next. You just never know.
by corner559
Thu Aug 20, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401K Choices - HELP!!
Replies: 18
Views: 1035

Re: Transamerica 401K Choices - HELP!!

I would definitely go with the VG Target Date funds. That said, there's a VERY large discrepancy between what VG's expense ratios are and what your'e getting charged in your 401K. Makes you wonder whose pockets all that extra is going to.
by corner559
Thu Jul 16, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1530

Re: Needing an External Drive

Sorry, but I would disagree about brand being unimportant. I would highly recommend against getting an off-brand to save money. I've found that similar with the memory cards I buy, the no-name brand products work fine but sometimes fail or have retrieval issues. I would stick with a well-known brand...
by corner559
Wed Jul 15, 2015 1:40 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7018

Re: I tipped 15% and got a dirty look

In the States I always tip 20% unless the service was terrible. As for tipping, it's time that restaurants pay their wait staff a living wage and do away with tipping entirely. As for the argument about worse/better service, I've found that in cultures where tipping is not the norm the service is us...
by corner559
Tue Jul 07, 2015 6:35 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6901

Re: Aren't we obsessing way too much about our portfolios?

kenschmidt wrote:I haven't changed my asset allocation in over 10 years at this point. Eventually the newness wears off and you end up just posting in the gardening or car threads. :D

LOL! So true!
by corner559
Thu Jul 02, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5261

Re: Learning Spanish

There are also several smartphone apps that you can buy where you make your own flashcards. I've used these in the past and practiced when I had down time.
by corner559
Tue Jun 16, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8833

Re: Best "All Around Lens" for Nikon DSLRs?

When I had a DX Nikon camera I also used the 18-200mm lens that a few others have mentioned. Yes, there are some compromises and it's slightly softer around the edges but it's a good all-purpose lens.
by corner559
Mon Jun 15, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 4326

Re: Comfortable shoes for work

I also like Ecco's. I've bought many, many pairs over the years for both work and hiking and think they're the best shoes out there for comfort and support.
by corner559
Sun Jun 07, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are VG Target funds shifting too much to Int'l Stock fund?
Replies: 40
Views: 3998

Re: Are VG Target funds shifting too much to Int'l Stock fund?

The target allocation is exactly where it should be IMHO.
by corner559
Wed May 27, 2015 9:30 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7614

Re: Once in a life time trip.

I would take them to Tanzania to see the Serengeti and all its amazing wildlife. Before we went we did a ton of research and found that to have the the best game viewing in Africa (though I'm sure others might disagree). The trip was one of the best, and most educational, I've ever taken.
by corner559
Thu May 21, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 5005

Re: Career Advice: Follow "Passion" or Follow the Money?

Everyone is different and has different needs and desires in life, but for me following passion was absolutely the best choice. I worked in finance for many years making a lot of money with nice bonuses annually but hated what I did. I sold everything, moved abroad and now teach English for a fracti...
by corner559
Wed May 13, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 20
Views: 1939

Re: Looking for Cloud Storage Solution for Photo Back Ups

I use Backblaze and have been very happy with it.
by corner559
Mon Apr 27, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 6952

Re: Been invited to wedding in Disney World. My cost?

Unless I was close to that former co-worker, I would absolutely not go. I don't even go to local weddings unless I know either the bride or groom well.
by corner559
Thu Apr 23, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1949

Re: 1 day in San Francisco, no car

Agreed with above poster, avoid the Wharf. You can probably get on the BART without a pass, it's frowned upon, but loads of people do it. Clarion Alley if you want to see some graffiti murals. Also Folsom north of 24th has some good murals as well. The 16th ave tile stairs are pretty cool, be sure ...
by corner559
Fri Apr 17, 2015 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 5177

Re: Would you buy 1.5 M house without AC?

I can't imagine paying that much for no central heat/AC. That said, there are times of the year where you will want AC in the summer and heat in the summer. Contrary to what others have said, no AC in the summer is not fun. Nor is shivering in the winter. Granted, it doesn't get hot or cold like it ...
by corner559
Wed Apr 15, 2015 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advice
Replies: 13
Views: 1397

Re: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advi

I personally prefer owning the funds separately due to the lower cost Admiral shares available. It also gives you more flexibility if you think the Target Date funds are overly conservative/risky depending on your circumstances.
by corner559
Sun Mar 22, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 5663

Re: How does one increase their typing speed and accuracy?

The way I did (and continue to do) it is LOTS of IMing with friends and family on AOL back in the day and now FB. Practice makes perfect.
by corner559
Sun Mar 22, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Backup your data!!!!
Replies: 1
Views: 565

Backup your data!!!!

I just had a potential disaster that was averted because I back up my HD to cloud storage. I'm sharing this story with everyone because I think it's important for everyone to backup their data OFF SITE. I have a program that I use to keep work-related notes. Long story short, the file that contains ...
by corner559
Tue Mar 17, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4735

Re: Vanguard - The New Bond King - WSJ

Unless you are a WSJ subscriber you can't read the article.
by corner559
Tue Mar 10, 2015 6:25 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37390

Re: Will you buy an Apple Watch?

I don't see the point when my iPhone is in my pocket. A total waste IMHO.
by corner559
Mon Mar 09, 2015 10:44 pm
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 5669

Re: Fly or drive?

I have a 4 hour rule. If it takes more than 4 hours, I fly. I value my time and sitting in a car for more than 4 hours when the trip can be done in a fraction of that time is a waste to me. The only exception might be if you were doing a tour of American national parks or something similar. 12-17 ho...
by corner559
Thu Mar 05, 2015 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Loaning a Friend Money for Downpayment
Replies: 20
Views: 1724

Re: Loaning a Friend Money for Downpayment

Sorry, but you are ABSOLUTELY CRAZY to loan that kind of money to a friend. Like other said, they should wait until they can afford it. No reason you should play the banker in the friendship.
by corner559
Tue Mar 03, 2015 8:43 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 5612

Re: Tourists in Manhattan

I would also agree that staying near NJ to save money is a total waste. Stay in Manhattan. I prefer midtown since it's close to many tourist spots and theaters.
by corner559
Wed Feb 11, 2015 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Limit to SEP to ROTH Conversions?
Replies: 5
Views: 369

Re: Limit to SEP to ROTH Conversions?

That is correct, but I was referring to using your US SE income as a source for Roth contributions. While that would provide the earned income to make the contribution, the excluded foreign income must be added back to determine your MAGI. If that MAGI is too high you cannot make a regular Roth con...
by corner559
Mon Feb 09, 2015 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Limit to SEP to ROTH Conversions?
Replies: 5
Views: 369

Re: Limit to SEP to ROTH Conversions?

You can convert as much as you wish to a Roth IRA. There is also no limit on the number of conversions you do in the process. If you happened to make excess SEP contributions and converted them, you would have to recharacterize some conversion money in order to get the money back in the SEP to corr...
by corner559
Mon Feb 09, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Limit to SEP to ROTH Conversions?
Replies: 5
Views: 369

Limit to SEP to ROTH Conversions?

I have a SEP IRA setup for a US based business I have. Because of my tax situation, I would like to convert that money to a ROTH IRA and pay the taxes now instead of later. Is that possible to do on an annual basis? Are there any limits to Roth Conversions that I'm overlooking? Could I do this immed...
by corner559
Sun Feb 08, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3557

Re: Paperless Office?

I use an app on my iPhone called "TurboScan" which I use to scan all my paperwork. I actually could not have closed the sale of my property in the US without this app. I was able to scan all my paperwork and have it sent back to the US. Copies are kept on my phone and backed up on my exter...
by corner559
Thu Feb 05, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 7458

Re: Looking for a DSLR that will allow me to get fairly seri

I would advise you to save the money (and weight) and get an APS-C (crop) sensor camera, not full-frame. If you need full frame, you should be able to clearly explain why you need it. Today's crop sensor cameras take fantastic photos in almost any conditions -- there are only very specialized reaso...
by corner559
Thu Feb 05, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 7458

Re: Looking for a DSLR that will allow me to get fairly seri

I have been with Canon for 8+ years. Admittedly I haven't spend much time with Nikons, but if Ken Rockwell is right, Nikons do certain things a little weirdly. Lenses have compatibility problem (on the other hand you can use any Canon EF lens on any EOS body, including film SLRs from 80s and AF alw...
by corner559
Wed Feb 04, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 7458

Re: Looking for a DSLR that will allow me to get fairly seri

For your budget I would go with the Nikon D810. It's the best DSLR out there IMHO. I shoot with the D800 and plan on upgrading very shortly. I think you'd be hard pressed to find a bad review on this camera regardless of what site you look on. As far as lens is concerned, I would go with Nikkor 24-7...
by corner559
Wed Feb 04, 2015 3:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 5009

Re: Vanguard survey: what should they do differently?

Also, I would like to see them display the day's losses/gains. It's something that's VERY easy to implement. Using Morningstar to have to view this piece of information is tiresome. I don't understand why they don't show this. You can create a "watch list" on the Vanguard site. It will sh...
by corner559
Tue Feb 03, 2015 10:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 5009

Re: Vanguard survey: what should they do differently?

They need Admiral shares for their Target Date funds.

Also, I would like to see them display the day's losses/gains. It's something that's VERY easy to implement. Using Morningstar to have to view this piece of information is tiresome. I don't understand why they don't show this.
by corner559
Mon Feb 02, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 2398

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

What do you mean by International Rates? My calls from outside the States are 4 cents a minute, and with that I have a US-based phone number that anyone from the US can call me on as if I were in the US. When someone calls me from the US it's as if they are calling a local number and I get charged Z...
by corner559
Mon Feb 02, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 2398

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

hlfo718 wrote:Skype worked well and really cheap when my family and I were in Asia calling US. We also used Facetime. Both have voice only option.

I also use and like Skype because I can use it anywhere on my iPhone and call just about any country.
by corner559
Mon Feb 02, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Friends
Replies: 12
Views: 953

Re: Used Car Recommendations for Friends

I would suggest a Camry or an Accord. It will cost more than other makes, but should pay for itself over the years with fewer repairs, and greater longevity. Jeff I agree. I also wouldn't bother with anything other than a Camry or Accord. If they want something a little nicer, I'd go for a Lexus or...
by corner559
Sun Feb 01, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance book recommendation for wife?
Replies: 6
Views: 818

Re: Personal finance book recommendation for wife?

My all time favorite is Random Walk Guide to Investing by Malkiel (not to be confused with Random Walk Guide to Wall Street by the same author). This is the book that started it all for me. It's a quick read and can easily be finished in a day. There's a lot of good, solid advice.
by corner559
Tue Jan 27, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 5422

Re: How to climb up in a megacorp

1) Choose your battles very, very carefully.
2) Don't complain and wear it on your sleeve. No one wants to be around that. Management doesn't want to deal with people like that.
by corner559
Thu Jan 22, 2015 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Ditch Wells Fargo banking for online banking?
Replies: 25
Views: 2494

Re: Ditch Wells Fargo banking for online banking?

I've also thought about this but concluded it's a good thing to have a bricks and mortar bank that I can visit. For example, I once had a garage sale to get rid of tons of junk an ended up with thousands in cash. I could easily go to the bank to deposit it. I collect coins in a coin jar and refuse t...
by corner559
Wed Jan 21, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 19500

Re: $7 gas - what would you do?

Until recently gas was over $8 in the country where I live. So until gas prices climb northward of $5 a gallon in the States, I have zero sympathy for the whiners who complain when gas nudges up a few cents or even one dollar.
by corner559
Mon Dec 29, 2014 7:05 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6734

Re: What did you enjoy spending money on this year?

I splurged on a trip to Bali and stayed in a villa with private plunge pool at the Four Seasons. It was worth every penny.
by corner559
Tue Dec 23, 2014 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 5574

Re: POLL: What are your monthly food expenses?

Around 800-900+ for me per month for one person. Closer to the holidays over 1000.
by corner559
Tue Dec 23, 2014 4:37 am
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 12558

Re: What % of net worth is your home?

0%. I rent.
by corner559
Mon Dec 15, 2014 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much is reasonable to spend on vacation?
Replies: 30
Views: 3280

Re: How much is reasonable to spend on vacation?

I'm like previous responses and am frugal in many areas, but when I travel I go all out. When I travel I don't like to be inconvenienced. It's my vacation time, and I want it to be as stress-free as possible. I won't stay in cheap hotels. If the flight is a long international one, I'll use miles to ...
by corner559
Mon Dec 15, 2014 7:26 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 26793

Re: What do you splurge on?

I splurge on luxury travel and eating out. But because of where I live, I rent a tiny apartment for dirt cheap, no longer own a car (public transportation is excellent where I am), and when I'm not eating at nice restaurants I have no problems going to pick up fast food for a quick bite.
by corner559
Sun Dec 14, 2014 8:38 pm
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3245

Re: TIPS Mutual Funds

My fixed income assets are evenly divided between VG's Total Bond and VG's TIP fund.
by corner559
Mon Dec 08, 2014 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 14338

Re: Is it safe to leave Laptop in hotel room

I don't usually travel with a laptop, but I have a friend who does. He always leaves his on the desk or table with it open and a post-it pointed to the webcam camera that says, "Smile! You're on camera!"

He's never had his stolen once.
by corner559
Thu Dec 04, 2014 7:19 pm
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1956

Re: Low Price Nikon Camera

I shoot professionally as a side gig. I think that these days the newest phones rival many point and shoot cameras. If that's all you're looking to spend on a camera, I think you're better off putting that money towards a new phone with decent camera. When I don't feel like lugging my big DSLR aroun...
by corner559
Thu Dec 04, 2014 9:15 am
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 30875

VG Total Stock Market Index Fund

[Thread merged, see below. --admin LadyGeek] This was just published on Marketwatch. Would be curious to hear reactions about this article that says that the Total Stock Market Index fund isn't all it's cracked up to be. http://www.marketwatch.com/story/why-vanguard-total-stock-market-isnt-the-best...
by corner559
Wed Dec 03, 2014 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Live in Japan with no plans of coming home. Should I do IRA
Replies: 6
Views: 1258

Re: Live in Japan with no plans of coming home. Should I do

I also live overseas and have had a lot of talks with people on this issue. This is what I've found to be true for my case. Someone please correct me if I'm wrong. Anything I earn under the foreign earned income exclusion is not subject to US taxes but still most reported to the IRS. All income inco...

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