Search found 2554 matches

by epilnk
Sat May 02, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Everyone is saying to get out of Bond Funds? Ignore?
Replies: 41
Views: 5328

Re: Everyone is saying to get out of Bond Funds? Ignore?

"Everyone" has been saying to get out of bond funds for 3-5 years now, because interest rates have only one way to go. It was maybe 5 years ago that my confidence started to be shaken by the chatter, though I stayed the course. But then almost 3 years ago I had a lump some that was suppose...
by epilnk
Mon Apr 27, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 83
Views: 7506

Re: Marginal benefit of spending more on car

What features exactly would make it worth spending fifteen or thirty THOUSAND extra dollars on a car? How much more comfortable could it be? My $15k (bought 2-year used) Honda Civic even has heated seats (which I almost never use since I park in a garage). What do the $50k cars offer that would mak...
by epilnk
Thu Apr 16, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 4009

Re: Considering the new MacBook 12-inch Retina ...

Thanks for the update. I'm also leaning in the same direction. While the form factor is enticing and 2 pounds would be amazing, I think I can handle a 3.5 pounder. After all, I'm typing this on a 4.5 pound macbook pro and don't recall ever wishing it were smaller. And I think the pro will age better...
by epilnk
Mon Mar 23, 2015 11:51 pm
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 4009

Re: Considering the new MacBook 12-inch Retina ...

I'm thinking about it. It's time for a new primary machine so I can downgrade this one (5 years old) to backup general use family laptop and photo storage, and retire the 2006 Macbook that is really starting to show it's age. I don't really need a lot of power so the macbook air would normally be fi...
by epilnk
Mon Mar 23, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 10104

Re: What won't you pay with Credit Card?

I live in a medium sized town with fairly strong local business, so I pay cash or debit for anything local. I don't think Visa needs to skim a percentage of my vet bill or my taqueria check so even though the difference accrues to the merchant, not me, I prefer to keep the profits in town. Big box s...
by epilnk
Thu Jan 22, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4588

Re: What age did you pay off your "forever" home

50-ish? We could have paid it off a few years earlier but saw no reason to do so. Also this is our third house, but not our "forever" house; I don't see us staying here after our kids are grown.
by epilnk
Thu Jan 22, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 838

Re: Poll

Honestly, I don't expect to care - I don't plan to stick around for either.
by epilnk
Mon Jan 12, 2015 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Why not long-term bond fund for the long haul?
Replies: 11
Views: 1572

Re: Why not long-term bond fund for the long haul?

That's the way I did it - specifically long treasuries as recommended by David Swenson. (Also long munis, though those weren't very long.) Unfortunately I only reached this level of investing when I was already entering middle age, not young. So I've already begun decreasing our overall bond duratio...
by epilnk
Sat Jan 10, 2015 12:39 am
Forum: Personal Finance (Not Investing)
Topic: HELOC as emergency fund - what am I missing?
Replies: 11
Views: 1724

Re: HELOC as emergency fund - what am I missing?

HELOCs have this bad tendency to go away when they are needed, as many people discovered in 2008. Or be revoked if the bank discovers a job loss or other change in circumstances. Or be canceled for no stated reason ("this bank no longer offer this product however we will wave the fees if you de...
by epilnk
Thu Jan 08, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4422

Re: Is "stay the course" a commandment or a suggestion?

Rick also states: "Now I’m planning a move toward a neutral global mix. I believe the opportunities outside the U.S. ..." does not strike me as market timing or anything other than having his portfolio reflect market capitalization rates which some BHs feel is the only weight of internati...
by epilnk
Mon Jan 05, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4422

Re: Is "stay the course" a commandment or a suggestion?

I think it means stay with whatever course you set in advance, in order to keep you from making decisions in the moment in response to temporary conditions or upheavals. But that means choosing a course that you are willing to stay with, so if you've done that, you should follow through. You don't n...
by epilnk
Sat Jan 03, 2015 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Next steps? PhD student w/ almost no tax-advantaged space
Replies: 19
Views: 2021

Re: Next steps? PhD student w/ almost no tax-advantaged spac

Don't worry about it. Your income is presumably low enough that the advantage of tax advantaged space is minimal. Focus on tax efficiency for now. Max your Roth and put the spillover into TSM or TI. I had to postpone grad school for financial reasons, so couldn't save at all (other than e-fund) from...
by epilnk
Thu Dec 18, 2014 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4953

Re: How to teach young kids to be frugal?

It's been almost 50 years, and I still have that little animal. He's been like a savings amulet, because every time I look at him, I am reminded again how good it felt to make my very first financial decision. (At the time his cost of $2 represented 1/2 my net worth(!), so it was probably a questio...
by epilnk
Thu Dec 18, 2014 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4953

Re: How to teach young kids to be frugal?

Yesterday I mentioned the word "frugal" to my high school son. He told me impatiently that he does not know what it means and I should not bother him. Understandable. I know I hate to be bothered when vocabulary slips my mind. For example the word "allowance" can be a bit slippe...
by epilnk
Sun Dec 14, 2014 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4953

Re: How to teach young kids to be frugal?

I also think that making sure kids just understand basic finance is key. My son's university required all freshman to take a class that had some finance information as part of it. My son reported that most of his classmates did not know the difference between a checking and savings account and most...
by epilnk
Sun Dec 14, 2014 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4953

Re: How to teach young kids to be frugal?

Speaking of lying, I remember my mother telling me that people who get everything they want get "spoiled" and she didn't want us to be spoiled. So she was not going to give us everything we wanted and that was that. She never pretended there was no money. Of course, I didn't get it at the...
by epilnk
Sun Dec 14, 2014 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4953

Re: How to teach young kids to be frugal?

Not much can be done with the two year old yet; not old enough to understand. The key for the five year old is to teach deferred gratification. Many parents do this with an allowance. The key is the the child has to save for a period of time to get something they want. They have to learn to forgo a...
by epilnk
Sun Dec 14, 2014 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: 529 advice for California based family.
Replies: 13
Views: 1222

Re: 529 advice for California based family.

We live in CA. I'm happy with the NV plan, and I prefer the simplicity of having everything at VG. My inlaws who live out of state separately started CA 529s for their grandchildren and that's fine too. Which plan has the absolute lowest cost options will probably vary over the course of 18 years; w...
by epilnk
Wed Dec 03, 2014 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have too much house?
Replies: 45
Views: 4765

Re: Do we have too much house?

You left out two key points: how old are your kids, and how big is the house? We're raising two kids in just under 2000 square feet and even without a basement (nobody has basements here) it was plenty of space - until the oldest hit 12. Now we really really really want a bigger house. Even though w...
by epilnk
Wed Dec 03, 2014 3:18 pm
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 5227

Re: Would you move/stay for better school district?

Funny how a website full of folks who believe in data to make decisions in their jobs (all the engineers and software folks out there) and in their investing decisions do not have any concrete data to support their stance on this topic. Does anyone have data to support their decisions? Do kids who ...
by epilnk
Sun Nov 30, 2014 3:51 am
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 5227

Re: Would you move/stay for better school district?

Yes, we would and did move to get into the school district we wanted. But it really depends on what you mean by "best". It's pretty hard to identify a good school from the outside. Some things I would look for: - Access to magnet programs - School choice within the district - Diverse set o...
by epilnk
Sun Nov 30, 2014 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 12311

Re: Life changing decision... advices needed!

My spouse thinks that I should go to fellowship because we will be fine anyways, even if the goal is delayed. That is true, but money made today has more value than money made in the future. I am not likely to have the same income (300-400K/year) in the next 4-5 years. The investor in me sees many ...
by epilnk
Sun Nov 30, 2014 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 12311

Re: Life changing decision... advices needed!

My spouse thinks that I should go to fellowship because we will be fine anyways, even if the goal is delayed. That is true, but money made today has more value than money made in the future. I am not likely to have the same income (300-400K/year) in the next 4-5 years. The investor in me sees many ...
by epilnk
Sat Nov 29, 2014 8:33 pm
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4801

Re: When do you feel comfortable financially to have kids?

You have your children when you are ready. Most people have a vision of the kind of family life they have in mind, and know what they need to achieve it. This varies. If you are risk averse you make sure you have your finances well settled, but everyone here has a different risk threshold and nobody...
by epilnk
Sat Nov 29, 2014 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17701

Re: Purchasing power parity

And Charlotte has a very bad set of options, and it is arguable she chose the lesser of the evils before her. Elizabeth realizes this eventually, but the book does end with Charlotte pregnant with Mr. Collin's baby (so Austen reminds us just how bad that marriage option really was). Charlotte has a...
by epilnk
Sun Nov 23, 2014 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17701

Re: Jane Austen's Economics

At the first glance, the Austen's women's excessive focus on marriage seems pathological. But when the financial power is taken into consideration, getting a right husband is equivalent to graduating college as a valedictorian and passing LSAT or MCAT. Victoria Don't forget that for women of a cert...
by epilnk
Thu Nov 13, 2014 8:15 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8976

Re: Is buying organic worth it financially in the long term?

As I understand your story: There is a microbe that keeps insects off the crops. This microbe produces many chemicals, one of which is particularly deadly to insects. When scientists tried to isolate the toxic chemical, it was so toxic that they dropped the project. My take: - In its natural habita...
by epilnk
Thu Nov 13, 2014 7:31 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8976

Re: Is buying organic worth it financially in the long term?

livesoft wrote:
epilnk wrote:… but I don't think radiation is routinely screened for, for obvious reasons.

Perhaps you meant radioactivity?

Yeah, mistype.
by epilnk
Thu Nov 13, 2014 7:30 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8976

Re: Is buying organic worth it financially in the long term?

I realize that there may be natural pesticides, but feel that manufactured additives are on balance worse than the natural equivalents. This is just an article of faith, partly based on a distrust of corporations and the information they disseminate about their products and practices, and I could b...
by epilnk
Thu Nov 13, 2014 5:52 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8976

Re: Is buying organic worth it financially in the long term?

For one thing, conventional farmers work to stay well below permitted limits, because a bad post harvest test result can lead to the rejection of an entire shipment. So growers have figured out how to get the maximum protection with minimum residue by timing their sprays. Are you talking about grow...
by epilnk
Thu Nov 13, 2014 5:44 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8976

Re: Is buying organic worth it financially in the long term?

Dutch wrote:
livesoft wrote:[I would not be surprised if one ibuprofen tablet does more damage to your health than a year's worth of eating non-organic spinach leaves.


I would not be surprised if it was the other way round

Whereas I would be stunned if either trivial input had the slightest impact at all.
by epilnk
Thu Nov 13, 2014 4:53 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8976

Re: Is buying organic worth it financially in the long term?

Most people choose to pay the premium for organic for one of two major reasons. More nutrients: There is in fact a little bit of data here favoring organic, but the margins tend to be small and most of the data does not show an advantage. What advantage there is probably depends on the specific crop...
by epilnk
Wed Nov 05, 2014 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 5235

Re: For Women on this forum and those who share their expert

Can you tell us why anyone on the bogleheads site might possibly be interested in a site that is aimed at women? That strikes me as both unnecessarily limited in scope and offensively condescending. But of course I haven't visited the site itself.
by epilnk
Fri Oct 31, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 5784

Re: Adoption [Experience from those who have adopted]

2.5% of children in the US came to their families through adoption. We have always been very open with our kids about this. So much so that our older son was with a friend one day and the friend said how cool it was that my son was adopted. My son looked puzzled and said "isn't everyone adopte...
by epilnk
Fri Oct 31, 2014 12:41 am
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 5784

Re: Adoption

My children were adopted internationally and came home at 7 months. My info, too, is out of date; only current info is useful. The most important advice has already been given: The adoption landscape has shifted radically over the past thirty years. You should attend as many support group meetings f...
by epilnk
Mon Oct 20, 2014 8:31 pm
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 3155

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 2:19 pm
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 3938

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 2:06 pm
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 7173

Re: Anyone cancelling travel plans?

[(removed) --admin LadyGeek] 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 1:52 pm
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 9336

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
Tue Sep 30, 2014 1:00 pm
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2662

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 12:56 pm
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2662

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
Mon Sep 29, 2014 4:17 pm
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 116
Views: 5124

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 3:35 pm
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 96
Views: 7824

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
Fri Sep 26, 2014 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund?
Replies: 15
Views: 1154

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
Tue Sep 23, 2014 8:10 pm
Forum: Personal Consumer Issues
Topic: Good source of educational materials?
Replies: 1
Views: 200

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
Mon Sep 22, 2014 3:30 pm
Forum: Personal Consumer Issues
Topic: New Big iPhones - How to Upgrade Early?
Replies: 18
Views: 2423

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
Sun Sep 21, 2014 8:06 pm
Forum: Personal Consumer Issues
Topic: Purchasing a new mattress
Replies: 5
Views: 710

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
Fri Sep 19, 2014 4:02 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 97
Views: 12113

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
Thu Sep 18, 2014 8:34 pm
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2707

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
Mon Sep 15, 2014 2:29 pm
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 5809

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% ...

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