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Re: Australia and New Zealand

I happen to be heading off to New Zealand for three weeks this weekend and there will more than enough to fill up that time. For sure, 3 weeks is great. The weather will be blah, but the post-election drama will fascinate. You'll take a million photos of cute newborn lambs. February is a great time...
by dgdevil
Tue Sep 16, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 11
Views: 806

Re: Australia and New Zealand

Agree with IOREK that 3-4 weeks is adequate for both countries. They are distant and expensive to reach, so best to combine so that you get an overview. You can always go back if you are enchanted and decide you want to focus on particular regions. You mentioned two couples, so I assume there will b...
by dgdevil
Tue Sep 16, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 11
Views: 806

Re: Hamilton watches, worth the money?

This thread is becoming painful, though it has the makings of a fine Onion article. Just buy it.
by dgdevil
Tue Sep 16, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 192
Views: 5289

Re: Any FRANCHISE owners here?

blackwater wrote:WOW. Thanks so much for the sobering advice. Exactly what I needed to hear. I will look elsewhere to invest my time and money.....


I'd still attend the seminar for the free donuts. Then, maybe do some due diligence on laundromats.
by dgdevil
Tue Sep 16, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3104

Re: Trip to Greece

mpt follower wrote:I read about your week in Greece. How con one do Greece I such a short time? I always suggest at least 14 days.


Maybe OP had only 8 days to spare? It always grates when people sniff at someone's itinerary like this. Not everyone can spend 3 months in every country.
by dgdevil
Tue Sep 16, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Trip to Greece
Replies: 10
Views: 620

Re: Hamilton watches, worth the money?

VictoriaF wrote:
parsi1 wrote:I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:


Do you think they share a watch?

Victoria


Some executives wear a watch on each wrist. It's an intriguing look, definitely a conversation starter, more so than for a no-name Hamilton brand on just one wrist.
by dgdevil
Mon Sep 15, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 192
Views: 5289

Re: Hamilton watches, worth the money?

I see a lot of women wearing men's watches, especially those with subdials. Equality on the wrist front is admirable.
by dgdevil
Mon Sep 15, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 192
Views: 5289

Re: What Happens To Mortgage When Borrower Dies?

Bill M wrote:
If there are a few months that the payments are not made, it will affect your grandmother's credit score. That should not be an issue.


Some people here would be mortified about a post-mortem drop in their credit score.
by dgdevil
Mon Sep 15, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: What Happens To Mortgage When Borrower Dies?
Replies: 12
Views: 1876

Re: Mortgage sold to shady lender

Chances are your mortgage will change hands a couple of times over its lifetime. Don't sweat it. As already stated above, the biweekly payment is a big scam. I remember getting into a big tizzy about it when my mortgage was resold. Gosh, I think I even paid a big fee to set it up. Those were the day...
by dgdevil
Sun Sep 14, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Mortgage sold to shady lender
Replies: 9
Views: 990

Re: Reliable Portable CD Player Needed

I ordered the same model that the OP mentions from Amazon about 2 years ago because my son needed to bring a CD player for an Advanced Placement (AP) language test at his high school. At the time it was under $40.00 new. The same with Sony cassette recorders. I prefer cassette for my line of work. ...
by dgdevil
Sun Sep 14, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1253

Re: Best Time Of Year To Visit Mediterranean

That's why spring is better. There's nothing nothing more depressing than a summer destination closing down for the season. Reminds me of the end of Dirty Dancing, or any off-season shots of the Jersey Shore in Bruce Springsteen videos or the Sopranos. Spring - the weather can only get warmer, and t...
by dgdevil
Sun Sep 14, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1330

Re: Do I need to hold my emergency fund in cash?

If you have a stable job, you could shift at least part of your emergency fund to a balanced fund, taking into account that in a worst case scenario you may need to sell at a loss. This article recommends saving 130% of your target amount in a balanced fund with a 40/60 allocation https://www.bette...
by dgdevil
Sun Sep 14, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 2965

Re: Best Time Of Year To Visit Mediterranean

I wasn't that impressed with AirBNB. I must admit that I had 1 or 2 nutty AirBnB situations, and of course no one leaves any negative (i.e. honest) reviews on the site, which makes it hard to sort out the good, the bad and the ugly. But I'd rather have an uncomfortable night in a $30 shared apartme...
by dgdevil
Sun Sep 14, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1330

Re: Best Time Of Year To Visit Mediterranean

I would avoid July/August. Hot and crowded everywhere. +1. As with North America, spring and fall are the best times - although global weather is so crazy these days that it really should not be the main factor. I did Turkey in May - loved it; Gibraltar in August - crazy traffic, but worth a few da...
by dgdevil
Sun Sep 14, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1330

Re: DINK 200K household income - ways to reduce taxable inco

Work less? The partner who hates their job more can quit or scale back hours. Maybe you already have enough saved in retirement accounts to give you a comfortable retirement? Buy a house? Not as an investment or tax dodge, obviously. And maybe property taxes are killer (and completely inane for DINK...
by dgdevil
Sun Sep 14, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3404

Re: Could you sleep with all your money in Berkshire Hathawa

I don't want any of it; in my opinion too much of the value is tied to one man and while it it a pessimistic view I think the value will sink like a rock when he is gone. I guess we will find out if I am right some day. I could be wrong, but I believe most people are aware that Warren and Charlie a...
by dgdevil
Sat Sep 13, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 42
Views: 2761

Re: Clean, quiet, safe and cheap. Is there such a travel pla

New Zealand.... but I do not know if it is cheap. It is clean safe and quiet though especially the south island. Dave Not cheap at all, but the other criteria might be fulfilled. I would split my time between NZ and Australia - not necessarily 50/50 - with an excursion to the Cook Islands. NZ is re...
by dgdevil
Sat Sep 13, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5404

Re: VDE [for 5% "casino money"?]

I have been looking at VDE as well. But what if oil prices keep falling? Airlines would be a better - and historically risky - bet.
by dgdevil
Sat Sep 13, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDE [for 5% "casino money"?]
Replies: 11
Views: 915

Re: How much do investors care about social impact?

mwm158 wrote:Why are there so many threads about this lately?


Agreed. Same with the plethora of threads about tipping tradesmen. Moderators need to do a better job weeding out duplicates.
by dgdevil
Wed Sep 10, 2014 12:55 am
 
Forum: Investing - Theory, News & General
Topic: How much do investors care about social impact?
Replies: 32
Views: 1379

Re: Tip for the Roofing Crew

Did you go up on the roof to inspect? Alas, I did not (it's a bit high!) - and learned a few years later that the work had been shoddy. Just as well I did not tip.
by dgdevil
Wed Sep 10, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: Tip for the Roofing Crew
Replies: 13
Views: 1284

Re: Australian investors - "Platinum Unhedged" fund

Thanks for that. The 2-page fact sheet was skimpy. I wanted to find out how many stocks are in that fund, beyond the top 10. Clicked on lots of random PDFs to no avail.
by dgdevil
Tue Sep 09, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Re: Australian investors - "Platinum Unhedged" fund

Yes, good point on estate tax. I will forward that, though I don't think we are talking big money. The First Colonial folks DO accept New Zealanders, so thanks for that. I find their web site extraordinarily useless, alas. Trying to get more info on that Realindex fund you mentioned is fairly imposs...
by dgdevil
Tue Sep 09, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Re: Australian investors - "Platinum Unhedged" fund

galeno wrote:Excuse my ignorance but is Oz = Australia? Like "Wizard of Oz"?


Yes. Oz = Aussie = Australia. People Down Under love to shorten words, turn them into diminutives - schoolies/toolies/droolies, barbies, kindy, kiddies, etc.
by dgdevil
Tue Sep 09, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Re: Australian investors - "Platinum Unhedged" fund

I should point out she is in NZ, and VG-Oz does not seem to accept non-Oz residents.
by dgdevil
Tue Sep 09, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Re: Australian investors - "Platinum Unhedged" fund

daffyd wrote:Vanguard etfs need to be purchased through an online broker. Not everyone is familiar/comfortable with that.


Thanks for the help. She just spent $130 in brokerage buying VHT over the phone - not amused!
by dgdevil
Tue Sep 09, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Re: Australian investors - "Platinum Unhedged" fund

That was my vague suggestion, but I think she was underwhelmed by the VG Oz choices - or something.

PS VEU excludes USA.
by dgdevil
Tue Sep 09, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Australian investors - "Platinum Unhedged" fund

A family member is contemplating investing $20,000 in an Australian large-blend core fund called Platinum Unhedged Global Securities (ticker 15362.AX): file:///C:/Documents%20and%20Settings/Owner/My%20Documents/Downloads/Plat%20unhedged%20int%20Sep14.pdf - It has a Silver rating from Morningstar; - ...
by dgdevil
Tue Sep 09, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian investors - "Platinum Unhedged" fund
Replies: 12
Views: 317

Re: Texas - Recommendation Where To Live

On the "conservative" ranking, how about this idea: Look for the congressional districts with the highest percentage of votes for Mitt Romney in 2012. :twisted: In the Austin area, that would appear to be Precinct 314, i.e. Barton Creek ... http://journalism.utexas.edu/coursework/reportin...
by dgdevil
Sun Sep 07, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 2811

Re: Texas - Recommendation Where To Live

Some LDS folks discussing the virtues of living in Austin, albeit six years ago:

http://www.city-data.com/forum/austin/7 ... ustin.html

and five years ago:

http://www.city-data.com/forum/austin/5 ... any-2.html
by dgdevil
Sun Sep 07, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 2811

Re: Texas - Recommendation Where To Live

I think the OPs friend would be happier weather-wise in metro San Diego, if he can deal with higher house prices and taxes... Probably the best response, quite frankly. A lot of the other criteria would be fulfilled in greater San Diego. And the kids would love Legoland. Doesn't get more wholesome ...
by dgdevil
Sun Sep 07, 2014 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 2811

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 dgdevil
Sat Sep 06, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10642

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

I agree, Meg's insights are excellent. Perhaps, when people are preoccupied with their professions or running their businesses, saving for retirement is not their priority? And if they don't start saving in the beginning of their career it becomes increasingly difficult to change. Victoria Maybe it...
by dgdevil
Sat Sep 06, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9188

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

Swampy wrote:Unfortunately, this article seems to describe the path my daughter may very well end up on to a 'T.'


Didn't you start a thread about your kids a while back? Or are kids all the same now? Seems you have your hands full on all fronts.
by dgdevil
Sat Sep 06, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9188

Re: Non-USA persons: We need a non-USA broker

As you probably already know, some of the Canadian banks have extensive interests in central America and the Caribbean (not always successfully, eg RBC and Jamaica). I'm not sure they have extensive brokerage options given the relative poverty in the area, though you could just peruse the offerings ...
by dgdevil
Fri Sep 05, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-USA persons: We need a non-USA broker
Replies: 11
Views: 861

Re: buying a house in france

Thread title could be changed to collect more eyeballs, as in "How to move 6-figure amount of US$ to Euros in France with minimal fees?" +1. On the other hand, it might reduce the eyeballs as well. I was interested in reading about house purchase in France; have no clue how to transfer si...
by dgdevil
Fri Sep 05, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: buying a house in france
Replies: 15
Views: 1605

Six-Figure Incomes—and Facing Financial Ruin [WSJ article]

Some High Earners Live Paycheck to Paycheck. Here's How to Break the Cycle of Overspending: http://online.wsj.com/articles/six-figure-incomesand-facing-financial-ruin-1409936418 The usual food for thought (and hopefully we resist the urge to be too judgmental). What makes this article a little more ...
by dgdevil
Fri Sep 05, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9188

Re: Vanguard Healthcare Fund [Portfolio help]

I say: Yes. And the cheaper VHT offers more diversification than VGHCX via more companies (311 vs. 89), although the ETF's top 10 is more top-heavy (45% v s 37%). And, while it is only a few percentage points, it seems both the Vanguard Retirement 2040 fund and VTSMX are underweighted in healthcare ...
by dgdevil
Fri Sep 05, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 942

Re: Proper Way To Wear Suspenders

Or alternatively, should I wear a belt loosely, and attach the alligator clips to the belt? Never wear both. That's just weird. Or, as better explained here: The GQ Style Guy puts it best: “Whenever I see a man wearing a belt and suspenders, which is not all that often, I think, Now, here is a pess...
by dgdevil
Fri Sep 05, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1789

Re: Warning level

mwm158 wrote:I got a pretty heated warning once or twice and I'm only at level 2. Maybe it goes down over time?


That's what I wondered at my former job ... yada, yada, yada ... my FORMER job.

I have 1 warning here, with no explanation. Pretty creepy and childish, tbh.
by dgdevil
Fri Sep 05, 2014 12:14 pm
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2251

Re: Market at a all time high ( Sept 2014) , time to cash ou

I will never know, if it's time to cash out...but it's certainly was a good time to rebalance my portfolio. I just pulled out $2000 out of my S&P 500 Index fund and invested that in Intermediate-Term Bond Index fund. Me too, actually. Moved a quarter of retirement into cash, bonds on Monday. It...
by dgdevil
Fri Sep 05, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3671

Re: frontier markets

Is it possible to buy frontier government bonds from a single country? Are there any funds or etfs that invest heavily in frontier government bonds? American Beacon Funds' AGEPX. Not sure why they have classed Uruguay as Frontier, but anyway. Looks as if you have heavy USD exposure. too. Expense ra...
by dgdevil
Thu Sep 04, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: frontier markets
Replies: 15
Views: 1182

Re: Telephone Calls! Help! [Stopping telemarketing calls]

I never get telemarketers, but then 2 called within hours of each other a few days ago. One of the chaps - a building contractor - kindly told me he got my info from Dataquick. So I visited their site, called and emailed to complain. Hopefully this will have some effect (he said naively). The realit...
by dgdevil
Thu Sep 04, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7139

Re: Did you reveal to your kids...your savings and salary

celia wrote:The same topic was discussed in May when a 12-year-old asked:

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=139387


The advice on that thread was much better.
by dgdevil
Thu Sep 04, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6787

Re: Did you reveal to your kids...your savings and salary

:?: What's so scary about it, dgdevil? He is an Only. He gets everything that we have. We have everything paid off. LTCi. A growing retirement fund even though we are retired. And he is doing well with increasing compensation and above average growth outside of his vanguard.Best of all outcomes. Sc...
by dgdevil
Thu Sep 04, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6787

Re: Thailand/Cambodia Travel Recommendations

I thought two full days was enough in Siem Reap. So true. I did 3 days, with a driver who picked us up every morning in his Tuk-tuk t see the ruins. Final day was such a drag. One day is probably sufficient. They all look the same after a while, unless you are a completist or actually know what you...
by dgdevil
Thu Sep 04, 2014 2:16 am
 
Forum: Personal Consumer Issues
Topic: Thailand/Cambodia Travel Recommendations
Replies: 22
Views: 1330

Re: How do you keep your electricity bill low?

1) If fridge is old, replace it and get a rebate from utility. This is usually prime suspect #1. 2) Any other fridges in the house? Throw them out. 3) Air-dry clothes. (Yes, may be less practical in winter and/or with baby) 4) Switch off wifi/modem if leaving house for extended period 5) Switch off ...
by dgdevil
Wed Sep 03, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9096

Re: Norton Auto Renewal

In my opinion, Norton IS a virus :twisted: Word! It takes up a ton of space. Mine expires in 6 days (as the daily popups keep reminding me). I will give Webroot another shot. They have a special for about $30. If you're an Ally Bank customer you can get Webroot SecureAnywhere free and save yourself...
by dgdevil
Wed Sep 03, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: [Symantec anti-virus] Norton Auto Renewal
Replies: 21
Views: 1070

Re: Did you reveal to your kids...your savings and salary

Didn't tell DS until FAFSA time. It is not that he couldn't understand (4.0 GPA) but that he really didn't have a real reference what money could do. He knew he had an UGMA and there was no secret. :beer Today at 29 DS is doing well but money is a periphery item. He does know however that our finan...
by dgdevil
Wed Sep 03, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6787

Re: Did you reveal to your kids...your savings and salary

As for me, although my wife is also not interested in financial matters, we have periodic "fire drills" in which she has to pretend I'm not there and do a transaction with our accounts, and tell me how she could contact some of our financial institutions. It took a few hours of my time to...
by dgdevil
Wed Sep 03, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6787
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