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Re: Should I use 50k Delta miles for a $600 flight?

I usually use UA or one of their partners. I've found that I get much more bang for my miles if I upgrade from economy to business, especially for international flights. I always use my miles only for upgrades.
by corner559
Sun Oct 26, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4366

Re: New to Investing, Based in Hong Kong

You may also want to check out Charles Schwab. They allow expats abroad open brokerage accounts through which you could purchase ETF's.
by corner559
Tue Oct 21, 2014 2:26 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 51
Views: 2635

Re: New to Investing, Based in Hong Kong

Check this out...

https://global.vanguard.com/portal/site/home

Here's a link to the HK site...

https://www.vanguard.com.hk/portal/home.htm

I know the offerings are limited, but might be worth a look.
by corner559
Mon Oct 20, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 51
Views: 2635

Re: How do you wash your car?

I get mine washed and vacuumed. I don't have the time or desire to do it myself. Ditto for housework. I have my placed cleaned a 2-3 times a month.
by corner559
Mon Oct 20, 2014 5:14 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6838

Re: Anyone cancelling travel plans?

Seriously? I'm amazed that as educated as people are on this board, we still get questions like this.
by corner559
Sun Oct 19, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6321

Re: Are Vanguard's target-retirement funds too aggressive?

Absolutely not. The allocations are just fine where they are and were too conservative when they first rolled out. The notion of bond=age is far too conservative IMHO. I'm currently 90% in equities which is 25-30% off where I should be if I were to follow the age rule. For those under 30, I think 10...
by corner559
Fri Oct 17, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1731

Re: Schwab or Vanguard for account when living abroad?

Vanguard let me keep my MF's but wouldn't allow me to open a brokerage account.
by corner559
Mon Oct 13, 2014 5:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for account when living abroad?
Replies: 7
Views: 645

Re: Dollar averaging or single market entry

I would like to start with investing for the long term according to the bogglehead principles (I am 26 years old). My idea would be to save up money first and invest this once or twice a year at a fixed date in order to keep transaction costs low. At the moment I have saved up around $40,000 which ...
by corner559
Fri Oct 10, 2014 3:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar averaging or single market entry (in Switzerland)
Replies: 18
Views: 1178

Re: Hamilton watches, worth the money?

Here's where Hamilton ranks in relation to the other brands that Swatch owns, at least according to Wikipedia.

http://en.wikipedia.org/wiki/The_Swatch_Group

And another perspective...

http://www.chronocentric.com/watches/brands.shtml
by corner559
Thu Oct 09, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13519

Re: Couch Surfing

I've never tried it myself but know many people who've both hosted and stayed at places through the site, and no one I know has ever had a problem. The site is very good at vetting participants through reviews, so it tends to weed out the bad apples pretty quickly. If I had the space, I'd probably h...
by corner559
Thu Oct 09, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5517

Re: Headed for a 300+ point loss today?

Browser wrote:DOW on rollercoaster last few days, looks like it's straight down today. Might be headed for a 300 point loss or more unless the dip buyers show up. :shock: :shock:

Who cares? If you're in it for the long haul one day or even a few months of down days shouldn't matter.
by corner559
Thu Oct 09, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30538

Re: Splurge vacation recovery--Hawaii or?

I agree on Cabo. Also, Scottsdale has some nice resorts as does Palm Springs.
by corner559
Mon Oct 06, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 2700

Re: Why not 100% Stocks?

galeno wrote:100% equities is a roller coaster ride that's too intense. I like our roller coaster to be tempered vy 40% bonds.


If your time horizon is very long and retirement is decades away who cares about the roller coaster. There's absolutely no reason NOT to be invested 100% in equities.
by corner559
Sat Oct 04, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20909

Re: Will you invest in Bill Gross's new bond fund?

abuss368 wrote:No chance!

We will stay the course with Total Bond Index!

+1
by corner559
Mon Sep 29, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2905

Re: Will you invest in Bill Gross's new bond fund?

You need an option for those who were never invested with Pimco to begin with.
by corner559
Mon Sep 29, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2905

Re: 'Play Money' - why 5%?

I chose 5% because it's a nice round number, and if things did go wrong (and they have sometimes), it's not the end of the world. I do it, not because it's rational, but because it satiates my appetite for risk. With all my other money I'm very conservative and adhere to the Boglehead rules pretty s...
by corner559
Sun Sep 28, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1657

Re: Anybody manage a rental property long distance?

I'm overseas and used to rent out my property back in the States. I had a local management company take care of everything. All I had to do was approve repairs and minor requests of the renters. They made it painless and easy though I did have a couple renters who broke their lease, and it took long...
by corner559
Sun Sep 28, 2014 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 884

Re: What's your one big takeaway from the Crash of 2008?

Biggest lesson is to stay the course and stick to your asset allocation. I did that, and 6 years later I've done VERY well for myself. I used to own a small number of stocks in my "casino" account and the other thing I learned is that there is no stock too big to fail. I saw huge "saf...
by corner559
Thu Sep 25, 2014 12:07 am
 
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 310
Views: 45169

Re: inherited 500k, still a college student, how to invest??

My advice is to not tell ANYBODY about this windfall except very close friends or family members. Do not drastically change your lifestyle or expenses. Do not shell out money just because you can. Live like you don't have this money at all, and you will become very wealthy in the future. I also sec...
by corner559
Mon Sep 22, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5508

Re: inherited 500k, still a college student, how to invest??

I also agree that you should check out the Vanguard Lifestrategy Funds. You can choose how aggressive you want to be by what percentage of bonds you hold. If you are using 100k for school and living, you could put all of the rest into an All-in-One fund like the Lifestrategy Growth (VASGX) or Moder...
by corner559
Sun Sep 21, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5508

Re: inherited 500k, still a college student, how to invest??

A lot of replies seem to be forgetting that this will be sitting in a taxable account. Whatever you invest in you want to be tax efficient or you'll end up with a decent sized tax bill annually. I was also in a similar situation not too long ago and ended up quartering the funds between Total Bond F...
by corner559
Sun Sep 21, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5508

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: 29
Views: 2018

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: 262
Views: 13519

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: 262
Views: 13519

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: 2118

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: 2456

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: 4208

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: 10824

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: 402

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: 2938

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: 402

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: 1366

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: 6603

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: 1645

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: 143
Views: 12394

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: 3300

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: 1957

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: 2187

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: 10519

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: 10927

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: 929

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: 3210

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: 3779

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: 2247

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: 6708

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: 2753

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: 16222

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: 3568

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: 3568
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