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Re: Air Purifier for Allergies

I've been using Vornado HEPA air purifiers for years and really like them. (I don't like the ion ones as others have mentioned as it creates ozone from what I've heard). The HEPA filters completely remove odor and dust which I love. I just let the filter run all day and when I come home my place is ...
by corner559
Tue Sep 16, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 16
Views: 768

Re: Hamilton watches, worth the money?

Personally, if you can afford a Zegna suit, I'd go for a better watch with at least a little more cachet. Why not look at Tag's? I only looked at hamilton because it was on sale. is Tag's a better watch? I am not so sure.... but maybe... I am surely not willing to spend $2000 on a watch though, may...
by corner559
Sun Sep 14, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 204
Views: 6192

Re: Hamilton watches, worth the money?

Personally, if you can afford a Zegna suit, I'd go for a better watch with at least a little more cachet. Why not look at Tag's?
by corner559
Sun Sep 14, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 204
Views: 6192

Re: Hiring your kids

My father used to run a large corporation, and he had a strict policy of not employing family. He felt that each of us should make it on our own. At the time, I felt that wasn't fair. But in hindsight, I'm glad he did it.
by corner559
Thu Sep 11, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hiring your kids
Replies: 34
Views: 2077

Re: Anyone have a house with a pool?

Used to have a pool that we could use year round. We had someone come weekly to clean it and treat it with chemicals for around $50/week plus extra for supplies such as chlorine tablets and such. As others have said, if you don't take care of it, it can become a big liability, so make sure that you'...
by corner559
Thu Sep 11, 2014 3:07 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2342

Re: Coin Counting Machines

awval999 wrote:Using Coinstar and receiving your money in Amazon credit is as good as cash.
You can buy anything on Amazon. Batteries, toiletries, gifts, games, etc.
I personally give all coins to my wife, except pennies. I throw away pennies.

Why on earth would you throw away money???
by corner559
Sat Sep 06, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4038

Re: Vanguard Lost $50k

And then it's only about 1% of your assets at Vanguard. You should be proud that it really doesn't matter in the end what happens to this $50K. Really. Net worth is irrelevant here. The bottom line is they somehow managed to misplace 50k and don't appear to be in any hurry to resolve it. OP has eve...
by corner559
Sat Sep 06, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10688

Re: Roth Conversion From Rollover IRA

Thanks for the replies. Paying up to the 15% tax bracket makes perfect sense. Will do that each year until I've converted everything.
by corner559
Sat Sep 06, 2014 3:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion From Rollover IRA
Replies: 3
Views: 396

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

Mine was Tiffany & Co when I was 15.
by corner559
Fri Sep 05, 2014 2:36 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2743

Roth Conversion From Rollover IRA

Because I'm overseas, I pay very little in US taxes. This upcoming year, my US-based income will be only 10-15,000 US$. Because of that, I'm thinking of converting my Rollover IRA money to a Roth and had a couple of questions. 1) Assuming a long-term annual gain of 6-7% in my retirement portfolio, i...
by corner559
Thu Sep 04, 2014 2:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion From Rollover IRA
Replies: 3
Views: 396

Re: Where to put emergency cash

I used to use HSBC Online, but their rates went too low so I now use Barclays online. It pays .90% interest.
by corner559
Tue Sep 02, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency cash
Replies: 11
Views: 1313

Re: Why invest in bonds?

While I don't quite agree with the logic (I've got other reasons), I also feel that holding your age in bond allocation is too conservative. I've got 10% of my allocation in fixed income and the rest in equities. I won't change that until I'm 45.
by corner559
Sun Aug 31, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6220

Re: Do you have class?

Seriously? CC companies hate customers like you. As others have mentioned, they want customers who carry balances and rack up massive interest. They love those customers.
by corner559
Sun Aug 31, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1606

Re: Costco:is it worth it for just two people?

I've got a membership just for me, and I go once a month to stock up on stuff. I love it, and it's WELL worth the cost of membership.
by corner559
Sun Aug 31, 2014 3:44 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 137
Views: 10268

Re: California residents - do you have earthquake insurance?

When I had a condo in CA, my HOA was required to have EQ insurance for the building. However, that only covered the structure. Nothing inside of the condo was covered. To cover that, it was prohibitively expensive, so I was only protected by my HOA's policy.
by corner559
Thu Aug 28, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3170

Re: Where to invest $100,000 this week

I also agree with other replies to just go with your IPS. I came into several hundred thousand dollars when I sold real estate, and I just bought funds based on my asset allocation. I would do the same again if I hit the lottery, for example.
by corner559
Thu Aug 28, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest $100,000 this week
Replies: 14
Views: 1888

Re: Schwab - now endorsing Index Funds

523HRR wrote:It's disappointing that Vanguard index funds are designated "transaction-fee" funds at Schwab, attaching a $76 fee for purchase.

Why on earth would you buy a VG MF through Schwab?
by corner559
Tue Aug 26, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2126

Re: Telling my friends I paid off my house was a mistake.

I don't discuss anything personal finance issues with any of my friends unless I know that we're in a similar economic situation (I've got a couple who are Bogleheads too). I've got some friends who are poorer and some who are richer. And even then, it's rarely discussed. I definitely never voluntee...
by corner559
Tue Aug 26, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10312

Re:

The decision between a home safe versus safe deposit box has always been tough for me. I like the idea of the home safe for easy access and personal control, plus the ability to store more things. But doesn't anyone with a home safe worry about theft ? If someone breaks into my home I figure the fi...
by corner559
Tue Aug 12, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 10687

Fed Taxes on Sale of Rental/Primary Residence

I used to own a condo and sold it last year. I entered all the info into Turbo Tax but shows that I owe around $3,000 and some change. I originally paid about 255k for it and sold it for just under 500k. I lived in the condo up though the middle of 2010, and it was tenant occupied from about October...
by corner559
Tue Aug 12, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed Taxes on Sale of Rental/Primary Residence
Replies: 12
Views: 892

Re: What to do in a market correction

zaboomafoozarg wrote:
livesoft wrote:I'm going to add more penguin to my asset allocation in the next market correction.


What's the correlation coefficient between penguin and other major asset classes?


About the same as the correlation coefficient between unicorns and leprechauns.
by corner559
Mon Jul 21, 2014 3:23 am
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3180

Re: how often do you look at your account

With online fraud these days, I think you'd be crazy not to check it at least once or twice a month.
by corner559
Sun Jul 20, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3677

Re: Footwear in Vietnam

I agree. Buy something there. If you are female, you could consider something like this http://www.zappos.com/sanuk-laurel-beige I think there may be a male version too. They weigh practically nothing and take very little space. Note: these are shoes built for people who believe that healthy feet d...
by corner559
Mon Jul 14, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2172

Re: Thoughts on 100% stock allocation for 33 year old

For retirement money at your age 100% is fine. I was at 95% until just last year and am not much older than you. You have a LONG way to go to retirement.
by corner559
Mon Jul 14, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6482

Re: Financial Times Article on Vanguard.

The link doesn't work. It just goes to a sign-up page.
by corner559
Mon Jul 14, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 12
Views: 2712

Re: Tiny House Movement

I now live in a large city overseas where space is at a premium. My place is just 250 square feet, and I'm fine with it. I learned to adapt very quickly. I'm living well below my means. One of the biggest ah-ha moments for me was when I had to go back to the States to deal with all the crap I'd put ...
by corner559
Wed Jul 09, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16009

Re: Erasing hard disk that have died

Also, I've sold and donated a few computers and laptops in the past. In all cases, I always remove the HD, destroy it, and then tell the new owner they need to buy a new one for themselves. No way I'm ever going to let my HD out of my possession.
by corner559
Tue Jul 08, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3476

Re: Erasing hard disk that have died

The only way to TRULY make sure the data is destroyed is to open it up and physically destroy the platters like others have mentioned. I just take it apart, and crumple up and smash the platters so it's impossible to recover any data. I wouldn't trust any other method.
by corner559
Mon Jul 07, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3476

Re: Book for part-time Grad school?

Sounds like you just need a good time management book.

I did online courses for a couple of semesters while also working full time. Two things that I did were drastically curtailing my social life and avoiding procrastination.
by corner559
Mon Jul 07, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Book for part-time Grad school?
Replies: 26
Views: 1631

Re: USC vs. Columbia

What secondary subject are you teaching? The point is, if you simply need a Masters degree but not necessarily a MA in Education then you should have a much wider range of options of schools and programs. If you already have the teaching credentials and license and are only getting the degree to ha...
by corner559
Mon May 19, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1097

Re: USC vs. Columbia

gatorking wrote:Are you planning to become a teacher or an administrator? At what level?

I have zero interest in becoming an administrator. I'd like to continue teaching at the secondary level for the time being. Where I'm located, I only need a Masters to teach at the university level, so that's another option.
by corner559
Mon May 19, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1097

Re: USC vs. Columbia

I'm getting it for a few reasons... 1) I'm at a point where I feel I've hit my personal limit at work and need extra training to bring things to the next level. 2) For some jobs where I'm located an MA is required. If and when I leave my current position, an MA will make me a much stronger candidate...
by corner559
Mon May 19, 2014 5:28 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1097

Re: New Version of Excel - All Worksheets Need Changes

I've found that when I get a new monitor, if the aspect ratio doesn't change I'm fine. However, if the aspect ratio changes I have to change all the column widths as you mentioned, and I don't think there's a quick way to redo it. However, once it's done, you don't have to do it again assuming that ...
by corner559
Mon May 19, 2014 3:18 am
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1382

Re: TIPS - VIPSX, Why no Admiral Shares?

Sorry everyone. I was not aware that there was a $50,000 level for some Admiral Funds so the TIPS Admiral shares were completely left out when I did my search for mutual funds. I had it set to filter out any funds that require more than a $10,000 initial investment. Good to know for the future!
by corner559
Mon May 19, 2014 3:09 am
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 9
Views: 1073

USC vs. Columbia

I know that there's a similar USC vs. UCLA thread elsewhere, but I did want to get feedback on my particular situation. I've settled on either USC and Columbia for a Master of Arts in Education. Granted, this career isn't going to make me wealthy, but I've found what I love to do and want to get the...
by corner559
Mon May 19, 2014 2:53 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1097

Re: Getting Passport without specific travel plans?

Just say you might travel to Canada from time to time. You don't need to be specific.

I'm amazed at how many people don't have a valid passport or a passport at all.
by corner559
Fri Apr 11, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 2440

Re: Passport validity: Do I need at least 6 months?

Just get it done. And if you think you're going to cut it close, get it expedited.
by corner559
Fri Apr 11, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3528

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted. Really? http://i60.tinypic.com/2iabriu.jpg Really. Here's the message you get when trying to view Q1 statements... "There are no statements available for this time period. Please use the dropdowns to make another selection."
by corner559
Fri Apr 04, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2567

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted.
by corner559
Fri Apr 04, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2567

TIPS - VIPSX, Why no Admiral Shares?

Anyone know why there are no Admiral shares for the TIPS fund? Or if they plan on rolling one out?
by corner559
Tue Mar 25, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 9
Views: 1073

Re: Vanguard Sector Funds in Taxable?p%

Thanks.

If I were to increase my allocation to 10% or so later in but stay at the low tax bracket would the same still hold true? I guess a better question would be what is the maximum allocation before tax drag is no longer minimal given my tax situation?
by corner559
Sun Feb 23, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1073

Re: Where do you park cash?

I just moved my cash from HSBC online savings to a Barclays online savings account which pays much better rates.
by corner559
Fri Feb 21, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you park cash?
Replies: 48
Views: 5192

Re: Vanguard Sector Funds in Taxable?

Thanks for the replies. That advice does make sense though to be clearer I should explain my situation a little further... 1) My tax bracket fluctuates between 10 and 15% due to my living overseas. I'm not required to pay U.S. income tax on most of my income. 2) I'm not able to contribute much to my...
by corner559
Fri Feb 21, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1073

Vanguard Sector Funds in Taxable?

I'm considering purchasing Vanguard sector funds for my taxable account (Energy, Health and Precious Metals). Would these be ok for taxable accounts? I've heard the REIT fund would not be suitable for taxable accounts but am unsure about the other three.
by corner559
Fri Feb 21, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1073

Re: Should I add more money to a TIPS fund when its value dr

In my taxable account I hold a portion in TIPS. Rather than rebalance, I just put money into whichever fund is below its targeted asset allocation. So this past year almost all my money has been in going into TIPS as I know that at some they will improve given my long time horizon.
by corner559
Tue Jan 07, 2014 3:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I add more money to a TIPS fund when its value drops?
Replies: 40
Views: 2469

4 Pillars - Questions about Balancing and Value Tilt

I just finished the 4 Pillars of Investing. GREAT book, but it did leave me with a couple of lingering questions. 1) How necessary is a value tilt? I like to keep things simple but he advocates adding some large and small cap value index funds to the mix. 2) How many of you wait at least 2 years bef...
by corner559
Sun Jan 05, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: 4 Pillars - Questions about Balancing and Value Tilt
Replies: 4
Views: 450

Re: Do you think Warren Buffet was being irresponsible

I wonder what he thinks a good alternative would be for those close to retirement or currently retired.
by corner559
Sat Dec 28, 2013 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Do you think Warren Buffet was being irresponsible
Replies: 31
Views: 3154
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