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Re: What desktop should I buy.

Between DW and I, we have used 3 HP laptops in the last 8 years and our current laptops are so sluggish and always acting up. I feel they make these laptops not to last too long. So we have decided to shop for a desktop. We don't want something too fancy but something that can last at least 10 year...
by inbox788
Thu Dec 18, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2575

Re: Vanguard's stockpickers outperform.... [news article]

IMO, there are probably some adjustments that need to be made to the comparisons. The funds are probably not being compared to comparable risk adjusted index funds (i.e. equal weight SP500 outperforms market cap weight SP500). Also, there's probably an element of survival bias, where the lesser perf...
by inbox788
Wed Dec 17, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 14
Views: 1931

Re: Got Stock option with a new job - Is it good ?

I got a new job in a startup company Is this a startup or a public company? If a private company doesn't go public, your options may wind up worthless. How close to going public is the company? How many employees? Annual revenue? Any profits? What is your role in the company? Any of this informatio...
by inbox788
Tue Dec 16, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Got Stock option with a new job - Is it good ?
Replies: 9
Views: 1201

Re: Is monthly rebalancing too frequent?

For what purpose? Why not weekly or daily? There are people/funds who do this professionally, and the more you need to balance the more you need to consider whether the benefits outweigh the costs. http://www.bogleheads.org/wiki/Rebalancing The external reference to opportunistic rebalancing is inte...
by inbox788
Fri Dec 12, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1507

Re: I need to accumulate $30k over the next 2 years, how?

Perhaps do some work on the side? A part-time second job for a while would easily give you the $$. Some elective surgeries may be tax deductible with the right kind of job: http://www.huffingtonpost.com/julian-block/tax-court-upholds-busines_b_5292707.html Seriously, time the surgery so you can use...
by inbox788
Tue Dec 09, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4035

Re: Why have more US than Intl Market Index?

The proportion is more like 52/48 the last time I checked. The reason to favor US is currency risk. From the perspective of a dollar investor (one who needs dollars to spend), an international company has the usual stock risks, but on top of it they have the risk that the company's predominant earn...
by inbox788
Mon Dec 08, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4077

Re: Balance based glide path

Look at absolute values, and the steps seem a bit arbitrary. Seems an algorithm that's more continuous would make more sense, like under $1M, invest mostly in stocks, over $2M invest half/half, and in-between, limit stocks to around $800-900k stock exposure and add mostly to bonds. balance stocks bo...
by inbox788
Mon Dec 08, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Balance based glide path
Replies: 12
Views: 949

Re: Help Creating the most tax efficient allocation with $10

i have $102,000 in stocks in a taxable account that i will be liquidating and would like suggestions on what funds i should buy to make it the most tax efficient since it will be in a taxable account this money wont be used for atleast 7 to 10 years Is it cash or stocks/funds/ETFs? Most tax efficie...
by inbox788
Sun Nov 23, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Creating the most tax efficient allocation with $100k
Replies: 4
Views: 525

Re: Help: Three Fund Portfolio at Fidelity

Thanks. How close is this fund to the indiviual 3-fund portfolio that many use at VG? Respectfully, I would hope that one day everyone would feel confident enough in looking that up for themselves. After all, it is their own money that they are investing and not ours. Sometimes this is called "...
by inbox788
Sun Nov 23, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3511

Re: Dog food - how cheap is too cheap?

Our dog has eaten Purina One since he was a pup. When all the recalls occurred because of contaminated Chinese ingredients, Purina One was not impacted. Even though more "upscale" dog foods were recalled. If you had to categorize Purina One as either cheap or expensive, which would it be?...
by inbox788
Sun Nov 23, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 5888

Re: Bumped out of first class at boarding - compensation?

I just scanned the responses, so I may have missed a similar replay, but my understanding is that you had 2 US Air first class tickets and you were bumped from 2 first class seats. Ignoring how they were paid, you are owed 2 first class seats on US Air, so you would ask for those 2 first class seats...
by inbox788
Sun Nov 23, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6354

Re: Fitbit, Vivofit, or other?

Wait for the Apple watch and see what it offers for $300-400+. It might not be worth it and you're looking at April or later. I got the FitBit Force last year and for various reasons, returned it. I considered the Mio Alpha for the heart rate monitor, but reviews were mixed. If you got to get someth...
by inbox788
Fri Nov 21, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2297

Re: What is the $$ value of delaying retirement a month?

If the the delay is from December to January, that opens up different possibilities with the new tax year. There's probably a marginal monthly benefit, but some months are worth much more than others. Keep your eye out on these milestones when making decision. On the earnings side, the month where ...
by inbox788
Thu Nov 20, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the $$ value of delaying retirement a month?
Replies: 24
Views: 1638

Re: how to make money like a billionaire

You mean like Billionaire Eike Batista?

http://www.forbes.com/profile/eike-batista/

Or some of these other folks:

http://www.oddee.com/item_98782.aspx
by inbox788
Wed Nov 19, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 11840

Re: Landlord wants us to sign an entirely new contract!

Have you ever leased an apartment? Did you have a discussion and conversations before even talking about paperwork and signatures? Or did you just ask for the lease and sign it? When I lease an apartment I ask for the lease, read it, negotiate the objectionable parts and sign the amended lease. Pri...
by inbox788
Tue Nov 18, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7859

Re: Low cost trust or equivalent?

Even moderate costs are going to be excessive in relation to the size of the trust. Gill Usually I've seen seen $1000-2000 in legal fees to get started, sometimes much more, and then there's varying amounts of annual maintenance fees and paperwork. Even for a $100,000, it's a fair percentage in fee...
by inbox788
Tue Nov 18, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low cost trust or equivalent?
Replies: 8
Views: 1207

Re: Credit Card Fraud - Need Advice

On Nov 15th, BoA sent letters stating that WalMart said the charges were valid because the credit card was present/swiped at the time of purchase. It is well known that credit cards (at least those that don't make use of chip and PIN) are relatively easy for someone with the right equipment to coun...
by inbox788
Tue Nov 18, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 4215

Re: Jack Bogle says VTBMX + VICSX?

Personally, after reading similar statements from Mr Bogle multiple times, I chose to switch to VBILX for now. I wanted to keep it simple, while still doing *something* about the matter... Now hopefully, I'll be disciplined enough to NOT change my mind for a few years. Although I don't think it is ...
by inbox788
Tue Nov 18, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2395

Re: American Funds

My recollection is they're high fees. Here's my personal opinion:

Vanguard > Schwab/Fidelity > TIAA-CREF >> American Funds and many others

Some people don't have much choice. You'd have to compare specific situations and funds to decide.
by inbox788
Tue Nov 18, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 14
Views: 2173

Re: Roth vs Traditional 401k - What percentages would you do

Since you're expecting to be in a lower tax bracket in retirement, then t401k makes sense, but if you ever have a low tax year now (0-15%), you may as well put that in Roth. Are you able to max out both, so you don't have to decide? Do you have a separate emergency fund? Look into using Roth as emer...
by inbox788
Tue Nov 18, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional 401k - What percentages would you do?
Replies: 11
Views: 1005

Re: Low cost trust or equivalent?

I'd be interested if there were a real alternative, but the legal and accounting complications and costs probably make it prohibitive for small accounts. UGMA/UTMA Custodial Accounts may be an option until the minor turns 18-21 depending on state. http://www.investopedia.com/articles/pf/12/set-up-a-...
by inbox788
Tue Nov 18, 2014 5:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Low cost trust or equivalent?
Replies: 8
Views: 1207

Re: Landlord wants us to sign an entirely new contract!

What miscommunication or irresponsibility was there on the part of the OP (the prospective tenant)? The OP read the lease, negotiated the terms he had issues with, and both parties signed. It's absolutely not the tenant's responsibility to try to guess whether the landlord used the right form or to...
by inbox788
Tue Nov 18, 2014 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7859

Re: Tax Loss Harvesting -- go for it?

Tough year in the stock market for me. I started with $250K in holdings, realized gains of $160K ($40K of them long-term) and realized losses of $70K and my current holdings are $90K due to unrealized losses. I want to stick with most of my stocks long-term but maybe selling now to harvest the loss...
by inbox788
Mon Nov 17, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting -- go for it?
Replies: 20
Views: 3028

Re: Jack Bogle says VTBMX + VICSX?

I don't want to add another fund, but I don't want to miss out on an extra percentage across a larger and larger allocation. Decisions, decisions...
by inbox788
Mon Nov 17, 2014 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2395

Re: Landlord wants us to sign an entirely new contract!

In any case creating bad blood between tenants and landlords is a lose-lose game that both parties will regret. That ship has already sailed. The landlord has already created the bad blood. The question is how the tenant deals with it. I wouldn't blame landlord without knowing more. There is poor c...
by inbox788
Mon Nov 17, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7859

Re: Best way to get money on the sideline into action

I have around $400,000 sitting in a Vanguard money market fund basically making next to nothing. I want to move it into a combination of Vanguard Index funds but am not sure of the best way to go about doing this. Should I just move it all at once or trickle it in over a few months or longer? I am ...
by inbox788
Mon Nov 17, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to get money on the sideline into action
Replies: 8
Views: 901

Re: google account overlap on mobile phones

so, in my case, what I did was export my google calendar while on the desktop, then logout of account "desktop", then login on the desktop to account "smartphone" and import the calendar into "smartphone"/google account, then logout. and go to the phone, the emails, I ...
by inbox788
Sun Nov 16, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: google account overlap on mobile phones
Replies: 8
Views: 908

Re: IRA with $0.17 balance

I'm no accountant or lawyer, but anything under 0.49 rounds down to $0. I don't think the IRS knows or cares. If any reasonable human looks at it, it should be quickly ignored. One day, some idiot will write a program and flag a few pennies and cost the IRS millions in wasted paperwork dealing with...
by inbox788
Sun Nov 16, 2014 5:14 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 1955

Re: Landlord wants us to sign an entirely new contract!

You could ask to be released from the contract. Since the landlord isn't satisfied with the terms, they might go for that. You have time to find another place to live. Water and sewer charges are quite small in my area (I pay about $50 a quarter total as a single person.) Trash pickup costs me abou...
by inbox788
Sat Nov 15, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7859

Re: Waitress giving me discount - ethical question

Our local deli (not the supermarket one I wrote about above) has a section with a pizza oven. One guy ran the pizza section, separate register and all. We believed he was renting it as a subspace. We'd been going there weekly for over 10 years. The guy would always charge us $2 less than posted &qu...
by inbox788
Sat Nov 15, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 7602

Re: IRA with $0.17 balance

I'm no accountant or lawyer, but anything under 0.49 rounds down to $0. I don't think the IRS knows or cares. If any reasonable human looks at it, it should be quickly ignored. One day, some idiot will write a program and flag a few pennies and cost the IRS millions in wasted paperwork dealing with ...
by inbox788
Sat Nov 15, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 1955

Re: How premium cable can cost $59K

Even worse by spending that $83/month instead of investing it in index funds, over 20 years at a conservative 5% real return, I miss out on saving $34,115. This means that premium cable over 20 years actually costs me $59,115. I thought this math was interesting and wanted to share it. What about t...
by inbox788
Sat Nov 15, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 6035

Re: Not qualified for my job - what to do?

Chances are the GM feels the same way but won't admit it because he's clueless about technology as you pointed out. He might be thinking "I know nothing about what this guy does, how can I talk to him in this review without him realizing I can barely turn on my PC, he's going to think I'm an i...
by inbox788
Sat Nov 15, 2014 3:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5098

Re: Converting taxable stocks to retirement account index fu

It would be better to have a little more clarification regarding income. The 40k to 80k range is pretty broad. Are we talking about gross income here or taxable income? If gross income is this before your 401k deduction or after? It would be nice to know if you have any space in the 15% bracket (0%...
by inbox788
Fri Nov 14, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting taxable stocks to retirement account index funds
Replies: 12
Views: 762

Re: Landlord wants us to sign an entirely new contract!

My DW called the landlord to confirm that we were having electricity and gas utilities activated next week, and our landlord asked what we were doing about water/sewage/trash, which led us to discover a great little detail: our landlord had us sign the wrong contract. Did you honestly think the lan...
by inbox788
Fri Nov 14, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7859

Re: Converting taxable stocks to retirement account index fu

If tax efficiency is the goal you would have to do this over a number of years. Year 1 1. Sell all the losers. Invest proceeds in a Roth up to the maximum 2. Maximize your 401k. Year 2 Is there a tax loss carry forward? 1. If no, maximize your 401k and sell some stock maybe to the middle of the 25%...
by inbox788
Fri Nov 14, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting taxable stocks to retirement account index funds
Replies: 12
Views: 762

Re: Not qualified for my job - what to do?

I was hired 6 months ago at a job I immediately realized was over my head, technically and otherwise. I stayed because I have a family to support and have been unable to find another job with even remotely the same commute. But I think things are getting to the point where (what I think is) my poor...
by inbox788
Fri Nov 14, 2014 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5098

Re: google account overlap on mobile phones

Funny you should describe a gmail sharing problem. I don't know if what I experienced has anything to do with you, but I recently noticed a strange change of email addresses of a recipient email. I sent email to one email address in my contacts, and in the replies, it used a different email in my co...
by inbox788
Thu Nov 13, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: google account overlap on mobile phones
Replies: 8
Views: 908

Re: Looking for two specific index fund ETFs

I am looking for two specific index fund ETFs 1. International (global) Large Value ex Eurozone 2. International (global) Small Value ex Eurozone Both should be denominated in Euro if possible. I am from Europe so that's why the Eurozone MUST be excluded as I already hold a varied amount of ETFs fr...
by inbox788
Thu Nov 13, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for two specific index fund ETFs
Replies: 6
Views: 891

Re: Converting taxable stocks to retirement account index fu

Same boat here. Lots depends on age and tax bracket now vs retirement. Going from taxable to Roth generally makes sense unless you expect big tax difference. Going to 401k makes less sense, unless you expect a big tax difference, either big drop in retirement, or moving from high state tax to low/no...
by inbox788
Thu Nov 13, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting taxable stocks to retirement account index funds
Replies: 12
Views: 762

Re: AAPL

I'm kind of curious why my $100 option hasn't triggered yet.. when it was around $95 I sold a contract to sell it at a price of $100. I figured it would trigger right around $109 (due to fees) but nothing yet. Can anyone clarify? ??? I hope you're not talking about stock options, because it shows a...
by inbox788
Thu Nov 13, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: Whole Life Insurance vs. 401k Contributions

Why do you want to pay interest to access your money? Exactly! There are a lot of smoke and mirrors with the borrowing from cash value, and I've yet to figure out where these magical benefits appear. They shine the spotlight on a supposed benefit, but the cost is well hidden. Insurance death benefi...
by inbox788
Thu Nov 13, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 6211

Re: Thinking about buying an individual stock NSC

Thanks inbox, for the reply. You say rails will takes some hits - that may be right or wrong. I know I will hold mine for 10 more years and I believe NS will be strong in the next 5 years. FUEL up 23% today! Beat that! Forest Gump investment style works! Forest Gump beats the monkey! :happy To many...
by inbox788
Thu Nov 13, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 4823

Re: New vs. Used Honda CRV

As to the Honda AWD system, my wife is an emergency room nurse in MI who works mostly night shifts six days a week. She drives on the roads when they are often full of unplowed snow or ice. The AWD system in her 2004 Honda Pilot has been superb for that. Please thank your wife for going out in the ...
by inbox788
Thu Nov 13, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6471

Re: Whole Life Insurance vs. 401k Contributions

You are very lucky, most poor folks asking about Whole Life Insurance ask after they bought and find out how poorly they understood the product, how poorly the product is, and are trying to figure out how to get out. Please answer a few questions: 1) Why do you need life insurance? Do you need it to...
by inbox788
Thu Nov 13, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 6211

Re: How can I convince my wife to accept investing??

I am having trouble with my wife who doesn't want me to invest. She wants to just save money in savings accounts. When I try to explain her this is not enough, she blocks her ears. When I try to explain her about index funds, she ignores it and advice me to invest in short term foreign curreny exch...
by inbox788
Thu Nov 13, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 5339

Re: Thinking about buying an individual stock NSC

I have it on good authority that oil prices have bottomed. We're at lowest crude and natural gas rates in the last 5 years, and with the cold weather coming, everyone will be buying it up to stay warm. Gasoline prices are also at bottom, so tank up now before they start rising. With all these stars ...
by inbox788
Wed Nov 12, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 4823

Re: Is Boglehead investing becoming the conventional wisdom?

How does that impact us? 1) No effect. We're average minus 0.0x EF, and will still be doing the same average minus EF after everyone does the same thing. 2) Lowers our return. Without all the people paying high mutual fund fees, the professionals will have to find somewhere else to suck out their fe...
by inbox788
Tue Nov 11, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 3137

Re: 20-minute options ... the "crack cocaine" of "investing"

I'd rather spend my money on cocaine than waste it on options with 20 minute expirations. At least then I would know what I'm getting out of the deal. You could probably convince me that its possible to predict where a stock will be in 6 months but in 20 minutes it is completely random. I'm a firm ...
by inbox788
Tue Nov 11, 2014 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: 20-minute options ... the "crack cocaine" of "investing"
Replies: 5
Views: 1211

Re: AliBaba

If it goes into an index, I will be very unhappy with that index, unhappy enough to look for alternatives. Hopefully, it will be at least be considered an international stock so I can stay domestic and avoid it. :confused At over $280B market cap as of this week's close, you should arguably be unha...
by inbox788
Tue Nov 11, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 145
Views: 11941
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