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Re: Buying a house without a realtor

There's little advantage to avoiding the buyer's agent, and they can be helpful. They have the contacts, can talk you through the pros and cons of various houses, can make sure things move smoothly along. However fiduciary duty or not, keep in mind that even though one realtor represents the buyer a...
by epilnk
Mon Oct 20, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2787

Re: Shoes for Plantar Fasciitis?

My son has a major problem with plantar fasciitis - he has low arches and circulatory problems in his feet, both of which contribute. The podiatrist was able to change his life with custom molded insoles. They're pricy, but when you see a 13 year old conscientiously moving his insoles from one shoe ...
by epilnk
Mon Oct 20, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2224

Re: Anyone cancelling travel plans?

Well shit, Victoria, I didn't know about the hockey stick risk. And with NHL season starting too. I would cancel my subscription to ESPN if I had one but since I don't, how can I protect myself?
by epilnk
Mon Oct 20, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6240

Re: How do you wash your car?

Didn't mean to set off a firestorm here. :oops: Since I don't have a garage and my car is exposed to the elements constantly - I tend to forget that other people (maybe more prosperous than me) do have garages to keep their cars. So, to start over again :P Is it okay to say that people whose cars s...
by epilnk
Mon Oct 20, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 121
Views: 5065

Re: Lakefront property with small children?

It can make a lot of sense to avoid avoidable risks until the kid is old enough to fend for themselves. For example you might choose to live on a cul de sac where the traffic goes 15mph versus a busy road where it is going 55mph. You can teach kids what do to but to expect a 1-5 year old to make go...
by epilnk
Tue Sep 30, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2107

Re: Lakefront property with small children?

Fences can be installed and removed. If and when you have children, fence in a portion of the back yard around the house, with an inaccessible gate latch leading to the lake.
by epilnk
Tue Sep 30, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2107

Re: what is risk?

Sharpe has said risk is the probability of doing badly in bad times. Which comes closer to your idea of risk: your portfolio doing badly in bad times (not having money when you need it) or not being certain what your portfolio will be worth at some point in the future? This is the definition I pref...
by epilnk
Mon Sep 29, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 116
Views: 4373

Re: rebalancing conundrum/paradox/irony

I am in the same situation - 60/40, and after years of buying nothing but bonds I recently had to put a contribution on the equity side. This is one advantage of having a little slice and dice in the portfolio - I hold TSM, TI, and TM small. So although my first reaction was, "Ugh, I'm buying s...
by epilnk
Mon Sep 29, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5137

Re: Which bond fund?

humm. So the yield reflects the general consensus that interest rates will rise soon. That's why the LT bond fund is yielding over 15% right now. Folks are leery of the big drop in value when interest rates rise. So if I'm comfortable running contrary to general consensus, there may be profit in ho...
by epilnk
Fri Sep 26, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund?
Replies: 15
Views: 1008

Good source of educational materials?

My 6th grader is playing the stock market game in school. While this is a fun way to engage them and exposes them to a lot of interesting concepts and principles, "winning" the game is basically a gambling contest. We've already had some conversations on the differences between investing a...
by epilnk
Tue Sep 23, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Good source of educational materials?
Replies: 1
Views: 171

Re: New Big iPhones - How to Upgrade Early?

“Now, there will be plenty of people who will pass on the iPhone … who find the iPhone too big.” - The New York Times (January 9, 2007) The iPhone Rumors Are Right…Finally Nice throwback article! I think the iphone 5 is too big - too long, actually. I'd get another one like the 3 if they made that ...
by epilnk
Mon Sep 22, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: New Big iPhones - How to Upgrade Early?
Replies: 18
Views: 2222

Re: Purchasing a new mattress

One diagnostic rule of thumb I've heard is that pain in the shoulders means the mattress is too firm, pain in the lower back means the mattress is too soft, and pain in the neck means the pillow is not appropriate. I have found this to be true for me. Since I have chronic back issues I sleep on a la...
by epilnk
Sun Sep 21, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing a new mattress
Replies: 5
Views: 569

Re: Who else hates choosing a car?

Hate choosing a car. Hate it. None is ever exactly what I want - I'd happily pay extra to get exactly what I want but it never seems to exist. I posted a question on bogleheads about choosing a new car, saying I'd decided to replace mine. FIVE YEARS LATER I finally replaced it and I'm still not ent...
by epilnk
Fri Sep 19, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8478

Re: Air Purifier for Allergies

I believe all ionic air purifiers generate ozone. Ozone is a significant pollutant and in even small quantities can exacerbate the symptoms of asthma; however it is highly unstable, and thus safe to use in an unoccupied room as long as time elapses after the unit turns off. (High output ozone genera...
by epilnk
Thu Sep 18, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 1965

Re: What's in your tax advantage accounts?

I don't see why it's such a bad idea to have a bond fund in a taxable account. I am a newbie investor so correct me if I'm wrong here...but it would seem like you would need a large amount of money in bonds in your taxable before it really affected anything too much. Lets say your dividend is 2.5% ...
by epilnk
Mon Sep 15, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4508

Re: Good hobby for a bright/obsessive 9 year old?

Sounds very similar in personality and temperament to my 11 year old. Once he outgrew the legos he mostly wanted to be on the computer, and since he refuses to participate in sports - even karate and rock climbing, both of which he showed a great deal of aptitude for - we've been looking for other w...
by epilnk
Mon Sep 15, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3205

Re: What's in your tax advantage accounts?

Our tax advantaged IRAs are mostly bonds, but each also contains a small holding of a volatile equity fund - one has small value, the other has EM. I do rebalance. This is a holdover from our slice and dice days, when tax advantaged was a larger fraction of the total. It is not the way I would set i...
by epilnk
Mon Sep 15, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4508

Re: Is there a "catch" in this Xfinity offer ?

Have you been with comcast before? That's the catch. In my experience they absolutely live up to their reputation; I don't know why I gave them a second chance after relocating, but it not a mistake I'm likely to repeat again.
by epilnk
Sat Sep 13, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1628

Re: Need advice on which tablet to buy

The full size ipad vs mini is all about how you value the tradeoffs. Some people are uncomfortable typing on the mini, others find it acceptable (though never quite as good as full size). If you are going to do a lot of typing, weigh that more heavily. If on the other hand you tend to be the kind of...
by epilnk
Sat Sep 13, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2665

Re: A 'really good book' you did NOT enjoy

I have my degree in English and Journalism (yes, I found a job) so I have my fair share of "supposed to be good but are unbearable" books. #1 on my list is Heart of Darkness by Joseph Conrad. I had to read that book so many times and it was rage-inducingly horrible every time. :thumbsdown...
by epilnk
Sat Sep 13, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11115

Re: Wake up, Vanguard: It ain't 1976 anymore!

I've said it before: If Vanguard doesn't wake up to this shortcoming/opportunity, someday someone else, be it Schwab, Fidelity, Wealthfront, Betterment or maybe someone we haven't heard of yet, is going to leap-frog Vanguard by providing similarly inexpensive indexed investment products with a far ...
by epilnk
Sat Sep 13, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7763

Re: Feeling smug until 10 year ROR from Vanguard

As long as you kept cash invested (no cash drag) in low cost indexes - your received precisely the return you should for your asset allocation. Why would someone feel anything but satisfied that they achieved the market return of their AA? Again, assuming they kept cash invested with no cash drag. ...
by epilnk
Sat Sep 13, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7763

Re: Feeling smug until 10 year ROR from Vanguard

Drat. I just looked and my personal performance calculation at Vanguard is still limited to max 5 years. As is mine. I hope the upgrade is coming. Curious as to why they would roll this out earlier for some clients and not others. They seem to consistently do this with every new feature they roll o...
by epilnk
Sat Sep 13, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7763

Re: Feeling smug until 10 year ROR from Vanguard

asset_chaos wrote:Drat. I just looked and my personal performance calculation at Vanguard is still limited to max 5 years.


As is mine. I hope the upgrade is coming. Curious as to why they would roll this out earlier for some clients and not others.
by epilnk
Sat Sep 13, 2014 3:28 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7763

Re: Anyone have a house with a pool?

We refused to consider any house with a pool. Our children were 3 and 4 years old when we moved here and I lost a small cousin in a pool. At 7 our son was diagnosed with a heat sensitive illness. He has few options for physical activity in the summer, and our summers are long and hot. We scuttled pl...
by epilnk
Thu Sep 11, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2451

Re: How much do you plan to save in your 529 plan?

California here - strong in-state options, no state tax incentive for contributions. Our children are now old enough (grades 6 and 8) for us to predict that as long as they don't go off the rails in high school, at least one and probably both will go on to grad school. We earn too much for financial...
by epilnk
Sun Aug 24, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7072

Re: What actions to take in a stock market crash?

It's not just theoretical - lots of us went through the crash of 2008. I TLH'd in October, rebalanced, then got another TLH when I moved back to my original funds in March. Once you've go through it and seen it work it is much easier to have confidence that you can stay the course in the future. In ...
by epilnk
Mon Aug 04, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5745

Re: Who else hates choosing a car?

Hate choosing a car. Hate it. None is ever exactly what I want - I'd happily pay extra to get exactly what I want but it never seems to exist. I posted a question on bogleheads about choosing a new car, saying I'd decided to replace mine. FIVE YEARS LATER I finally replaced it and I'm still not enti...
by epilnk
Fri Jul 18, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8478

Re: Wife has no retirement options- is breadwinner

We have had limited access to tax sheltered savings over most of our earnings careers. I had a 401k for a grand total of 4 years, no match; my husband has had a 401k for maybe 10 years but only got his first match recently, after turning 50. We have an IRA each (actually mine has my former 401k roll...
by epilnk
Thu Jul 17, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3411

Re: POLL: Walmart vs Amazon

I try to shop prudently. I buy locally when I can, because I value the financial health of my community. I am willing to pay a bit more to patronize a locally owned store, but our town isn't large so I often end up at Target, which has the largest selection of everyday items. Amazon fills pretty muc...
by epilnk
Thu Jul 17, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8776

Re: Home Purchase

Is this a common recommendation here at bogleheads? (25% of Net pay for PITI). I ask because in my state, based on this principal, you literally couldn't buy a house even with an above median income salary. Houses that are 600-800 sq/ft and dump holes sell for over $100k. 25% of net pay for PITI so...
by epilnk
Thu Jul 17, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Purchase
Replies: 14
Views: 1651

Re: Paperwhite for Cloudy-Day Reading

I have an original kindle and my younger son has a paperwhite 2. (The latter originally purchased with the intention of installing a dyslexia font, which used to be possible until Amazon closed the hole that allowed that hack, but I digress.) I'm looking forward to an improved screen for my fading o...
by epilnk
Wed Jul 16, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1885

Re: High end purses

"Not everyone who buys something expensive is doing so to impress others, although that myth is frequently repeated on this board." I agree that it's a myth, but only those who buy expensive things for enjoyment will ever understand. I've had nice collector cars I never talk about in the ...
by epilnk
Tue Jul 15, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 13419

Re: The Risk of Short-term Bond Funds

So to keep your portifilo "safe" should one stick with short term or perhaps TBM and TIPS? If so what ratio should you have? Short bonds are safer in the short term (lower risk of loss). Longer bonds are safer in the longer term (lower risk of erosion of purchasing potential). So you must...
by epilnk
Sat Jul 05, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11502

Re: POLL: Are You Re-Balancing?

New money contributions all go to bonds and have for a long time now. Dividend distributions have been redirected toward the munis. That has been enough to keep the portfolio where I want it.
by epilnk
Fri Jul 04, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5238

Re: The Risk of Short-term Bond Funds

The difference is that we expect high risk for the stock portion of our portfolio. Bonds are for safety. For some people, sure; but if this is not in fact why you buy bonds it doesn't apply. I consider bonds saf er , not safe. I expect the stock portion of my portfolio to go up and down. I expect t...
by epilnk
Fri Jul 04, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11502

Re: The Risk of Short-term Bond Funds

So to keep your portifilo "safe" should one stick with short term or perhaps TBM and TIPS? If so what ratio should you have? Short bonds are safer in the short term (lower risk of loss). Longer bonds are safer in the longer term (lower risk of erosion of purchasing potential). So you must...
by epilnk
Fri Jul 04, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11502

Re: The Risk of Short-term Bond Funds

Isn't it advantageous to own more than one bond fund so one can balance (or tilt) the bond holdings among different funds with differeing duration and credit worthiness? You still end up with a single average duration - an average of averages comes down to one number. In theory I would like to sele...
by epilnk
Thu Jul 03, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11502

Re: The Risk of Short-term Bond Funds

I've been very happy with the rewards from term risk and credit risk over the last five years, but I don't view these results as predictive of the future. Swenson argues (persuasively, to my mind) for taking corporate risk in equities rather than corporate bonds. It's hard to argue that the past fe...
by epilnk
Thu Jul 03, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11502

Re: The Risk of Short-term Bond Funds

Did you miss returns from intermediate-term bond funds because you sat in a short-term bond fund waiting for interest rates to rise? Well, no, actually; I continued to add to my holdings in long munis, along with intermediate, because my ISP specifies a longer duration and we aren't close to retire...
by epilnk
Wed Jul 02, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11502

Re: Getting toddler to brush their teeth

Let her do her own, but at the end you get to "check" to get the spots she missed. Then see something and take a very quick swipe over the spots you know she doesn't really hit. Make sure you "see" less on days when she appears to be taking more time and trying to hit the spots s...
by epilnk
Wed Jul 02, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2713

Re: Personal Life subforum?

I've always wished for such a forum. All the discussions I find interesting end up locked before I get a chance to participate. :( And then my favorite bogleheads sign off and don't return.
by epilnk
Thu Jun 19, 2014 11:07 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5218

Re: Buying a new mattress and bedding

I'm worried about the fire retardant chemicals that all mattresses are treated with these days. Is there a way to get around that? I'm with you! Some bedding material does not require a fire retardant. Wool is one. And I believe that latex is naturally fire-retardant and does not require chemicals....
by epilnk
Thu Jun 19, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3309

Re: Lost a lot in stocks and starting fresh: Please Help

OP, I would not be proud of this. It's great that you've reduced your credit card debt, so you can pat yourself on the back for that, but you are ignoring the priorities. I would say that in the absence of an emergency fund, contributing anything at all to a no-match 401k is irresponsible. You are i...
by epilnk
Tue Jun 17, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 90
Views: 12431

Re: pick up double major or finish college in 3 years?

My experience in startups was that we tended to hire people who had facets over people who had only one dimension to their training and experience. There were two reasons behind it: the first was that it was a good way to acquire a larger diversity of experience than a small company would otherwise...
by epilnk
Mon Jun 16, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: pick up double major or finish college in 3 years?
Replies: 103
Views: 4540

Re: Buying a new mattress and bedding

We recently bought all new mattresses for our home, so I have some experience in this regards. By recently, I mean 20 years ago. All the mattresses are just like new. In fact, I cannot figure out how a mattress would ever wear out, but I know they can be damaged by fire and water leaking through yo...
by epilnk
Mon Jun 16, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3309

Re: Need advice on whether to sell house or stay put

I've done this long enough to know that after 7 years of no major repair items on HVAC, plumbing, or appliances put you on borrowed time before something breaks. Then I don't agree that you build good houses. The house I live in is 20 years old, and while we replaced the kitchen appliances when we ...
by epilnk
Fri Jun 06, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on whether to sell house or stay put
Replies: 19
Views: 958

Re: Poll: Luxury and Happiness

interesting art pieces that we pick up on our trips. It reminds us of the trip and are good heirlooms for kids and grandkids. Oh, please, I beg of you, rethink this! My inlaws will need to downsize in the next few years, and their almost 4000 sq ft house is packed with art acquired from their trave...
by epilnk
Fri Jun 06, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8820

Re: Commute to elementary school [French language spoken]

I'm wondering how your children will learn to read and write in English if all their classes would be in french at the private school. That's the easy part. My kids' school had english class for 4 hrs a week starting midway through second grade. The one without a reading disability was fully caught...
by epilnk
Fri Jun 06, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 2895

Re: SACRAMENTO, CA AREA BOGLEHEADS

I'm here, but I'm not clear on what the purpose of meeting would be since I use a "set it and forget it" portfolio, with emphasis on the "forget it". Do you have a vision of what a local chapter might do?
by epilnk
Thu Jun 05, 2014 9:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SACRAMENTO, CA AREA BOGLEHEADS
Replies: 16
Views: 3087
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