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Re: IBM: Stock Buybacks Gone Wrong?

I just don't get the idea that IBM might go to $0. The 2015 plan seems to be dying down. They made a big move earlier this week to "sell" their semiconductor manufacturing business which constantly created big loses for them in years past. I think they have done nearly everything they can ...
by investor1
Wed Oct 22, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3820

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Most engineers that I know (and have discussed investment strategy with) are all about indexing.
by investor1
Tue Oct 21, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 116
Views: 6841

Re: First time home buyer - realtor?

Excellent point. Thanks!
by investor1
Mon Oct 20, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 439

First time home buyer - realtor?

So, I have another thread going where I asked questions about whether or not I should use a realtor as a buyer, and I'm getting good feedback. See http://www.bogleheads.org/forum/viewtopic.php?f=11&t=149199. However, I have a more specific situation that I'd like more information about. There is...
by investor1
Mon Oct 20, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 439

Re: Buying a house without a realtor

Your understanding of the law is incorrect A buyer's agent is a fiduciary who owes a total duty of loyalty to the client . That is true BUT... I remember an article in the WSJ some years ago that showed (this was in Chicago I think) that when selling their own houses real estate agents held out lon...
by investor1
Mon Oct 20, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2803

Re: Buying a house without a realtor

Where I live, if you only went by signs, zillow, or even MLS, you'd miss the best houses. It is rare to see a "for sale" sign without the "sold" part on top. The realtors mostly just use it to advertise themselves. The ones that do have "for sale" signs that aren't alr...
by investor1
Mon Oct 20, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2803

Re: Buying a house without a realtor

Thanks for the advice, everyone. There is a some good info here. I think I'll take the advice of picking up a book too.
by investor1
Mon Oct 20, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2803

Re: Buying a house without a realtor

Thanks.
by investor1
Sun Oct 19, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2803

Re: Buying a house without a realtor

I'd suggest looking into securing the services of a rebating Realtor, which will give back a portion of the buying agent commission. I just went through this in Michigan and felt he was worth the money at 1.5% commission, while I got 1.5% back. I wasn't aware of this option. Thanks. Do you have to ...
by investor1
Sun Oct 19, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2803

Buying a house without a realtor

I've been saving for a down payment on my first house, and I'm getting to the point where I think I'll have plenty saved for a 20% down payment for what I want in my area. If it matters, I'm in Oregon. Also if it matters, I'm looking for either a single family house or a condo. I'm considering buyin...
by investor1
Sun Oct 19, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2803

Re: Couch Surfing

I'm including a link here to a hospitality travel club for those over 50 years of age.....I have never used it as I just became eligible a couple years ago and have yet to really get my feet wet...but it looks like it combines the best of many worlds - very economical, social and safe....why take u...
by investor1
Sat Oct 18, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: "The best response to market volatility"

Thanks for the reminders, Taylor. As a new investor, this has been my first market downturn, and came right after putting in a lump sum to max out my IRA and deferring 90% of my paycheck to my 401k to get as much in as possible in by January. Realizing I had already lost 6% of what I invested in su...
by investor1
Fri Oct 17, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3342

Re: Livesoft - Thank you

Definitely one of the best contributors on this site of many good contributors. Thanks!
by investor1
Fri Oct 17, 2014 5:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4062

Re: Couch Surfing

are you saying that the only way I can know I will get burned from a pan - let alone having an opinion on the cost benefits about the danger - is by grabbing that handle? Is experience really the only teacher - or can we apply reason? Most people are applying reason. Many people have already pointe...
by investor1
Fri Oct 17, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves. Lol. I thought that since we are not driving. We will be available to entertain them. Maybe this is a bad idea. We have a brand new mini van and we do not want to drive aroun...
by investor1
Fri Oct 17, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1911

Re: Couch Surfing

leonard wrote:
investor1 wrote:I think your world view is unrealistic if you think it is probable to be drugged and locked in a basement.


Cause - it never happens, right?

And, the upside if it doesn't is a nice chat?

That cost benefit doesn't work for me.

Practically.
by investor1
Wed Oct 15, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

I think your world view is unrealistic if you think it is probable to be drugged and locked in a basement.
by investor1
Wed Oct 15, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

Certainly, we don't need to experience sleeping in a strangers house in order to have an opinion about it - do we. Certainly not. However experience often leads to practical decisions whereas inexperience often leads to speculation. I think we are bypassing common sense and that we all deal with pe...
by investor1
Wed Oct 15, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

leonard wrote:Certainly, we don't need to experience sleeping in a strangers house in order to have an opinion about it - do we.

Certainly not. However experience often leads to practical decisions whereas inexperience often leads to speculation.
by investor1
Wed Oct 15, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Why choose a LifeStrategy Fund?

Young investors who are more than 30 years from there target date do not benefit from target date funds. The AA shifting does not take affect until you are 30 years out. The 90/10 LS fund has a lower cost of ownership than the TD fund that matches their target date.
by investor1
Sat Oct 11, 2014 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3506

Re: Couch Surfing

It's interesting that people keep their profiles even after rape and other accusations. I'd assume that they would change their identity, or at least try to refute the accusations. Which brings up some questions: - Is there a process for the dispute resolution? - Can accusations of rape result in a...
by investor1
Fri Oct 10, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

Yeah, you can create a very minimal profile and fill it in later.
by investor1
Fri Oct 10, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

I wanted to check out couchsurfing events in Washington, DC, but I could not do it unless I had established a login using either Facebook or email. On one hand, it's a demonstration of couchsurfing's concern about their member identities, which is great. On the other hand, I'd like to get my toes w...
by investor1
Fri Oct 10, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

That is how I would view the "horror" stories about couchsurfing (or hitch hiking, for that matter). I have never had anything close to a threatening experience in over 10 years of couchsurfing on 3 continents. In fact, many of my memorable interactions with people have come as a result. ...
by investor1
Fri Oct 10, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

I need to do a better job of attending CS'ing events both at home and while traveling. Numerous posts on this thread have reminded me that I am missing out.
by investor1
Fri Oct 10, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

Trader Joe wrote:We would never do this. Risk vs. reward. Plus we have money for nice hotels.

I can afford it too. CS'ing is very rewarding.
by investor1
Thu Oct 09, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

What if the guest slips and conks their head on a coffee table? Or scalds themselves on hot water from the shower or sink. All of that has likely happened. My first thought is that the host (couch owner) is opening themself up to all sorts of liability issues. I've never heard of any sort of lawsui...
by investor1
Thu Oct 09, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

In my experience, it isn't difficult to weed out possible bad encounters by using the safety features on the website. If someone has 100 references and they are all positive, they are very likely cool people. Another thing to keep in mind is that you don't have to stay there. If you get there and fe...
by investor1
Thu Oct 09, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

Here is a cool story about CS'ing Obama's inauguration:

http://edition.cnn.com/2009/TRAVEL/01/1 ... index.html
by investor1
Thu Oct 09, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

This past summer, my wife and I used AirBNB in Bern, Switzerland. In addition to the price benefit, I really got a lot out of staying with local people. I had a long conversation with our host couple while leaning on a wall in their kitchen, drinking a beer they offered me. Again, not something you...
by investor1
Thu Oct 09, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

Airbnb is it's own bag. It isn't about a social experience. It is about hotel prices being too high and home owners / renters looking to make some extra cash. Sometimes you get a social experience, but it is more like a modern day bed and breakfast without the waitstaff (and often times breakfast). ...
by investor1
Thu Oct 09, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: Couch Surfing

Cool. Enjoy! Hotels are boring anyway.
by investor1
Thu Oct 09, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: What have you done to cut costs this year?

* I got more into couch surfing when traveling. I've tried it in the past, but I did it about a half a dozen times this year. It meant I didn't spend any money on a hotel. Sure, I did nice things for my hosts that had some costs associated, but no where near what a hotel room costs. Could you pleas...
by investor1
Thu Oct 09, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Couch Surfing

For people who are not aware, couchsurfing.org is a website where a community of people around the world open their homes to travelers. You sign up, fill out a profile, state whether or not you want to host people or just surf. When you travel, you search through profiles from hosts in that city, se...
by investor1
Thu Oct 09, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5242

Re: What have you done to cut costs this year?

* I got more into couch surfing when traveling. I've tried it in the past, but I did it about a half a dozen times this year. It meant I didn't spend any money on a hotel. Sure, I did nice things for my hosts that had some costs associated, but no where near what a hotel room costs. Could you pleas...
by investor1
Thu Oct 09, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: What have you done to cut costs this year?

sailfish2 wrote:Moving itself is expensive.

I was fortunate enough to keep my moving expenses down to $30 (U-haul rental) + one day of my time :)
by investor1
Thu Oct 09, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: Late start, low income - what to do first?

I think you are getting ahead of yourself (or himself). Pay off the CC debt and build the emergency fund. In the meantime, find out his options for his 401k. Until you have all of the info that would go into a portfolio questions post, don't bother thinking about an IRA. See where the 401k stands fi...
by investor1
Thu Oct 09, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2625

Re: What have you done to cut costs this year?

Well, I know this is a board filled with multi-millionares that come here to discuss tax/fee avoidance strategies :), but for those of us not quite there yet, One of my goals is to never have to cut my costs. I hope to increase my standard of living every year of my life. It helps if you start real...
by investor1
Thu Oct 09, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: What have you done to cut costs this year?

poker27 wrote:Paid down my house to have PMI taken off. Thats really all I can brag about.

That must feel good! Is the difference going toward the principle?
by investor1
Thu Oct 09, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: What have you done to cut costs this year?

Finally started tracking our spending and "telling our money where to go" with You Need A Budget. My "impulse spending" is now in check, big time. I did this in the past. It was one of the best financial moves ever! I still spend a bit too much on things like food/entertainment,...
by investor1
Wed Oct 08, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: What have you done to cut costs this year?

Sidney wrote:
investor1 wrote:Well, I know this is a board filled with multi-millionares that come here to discuss tax/fee evasion strategies

With respect to taxes, perhaps you mean "avoidance" instead of "evasion" which is illegal :P .

Fixed!
by investor1
Wed Oct 08, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: What have you done to cut costs this year?

Appeal property taxes Meal planning Packing lunches and snacks No cable. Just high speed internet for $20 monthly and Hulu for $8 monthly. Question every bill! Caught a $50 error in a medical bill. Skipped an extra week in mowing the lawn Bought all clothes, except undies and socks, at thrift shops...
by investor1
Wed Oct 08, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

What have you done to cut costs this year?

Well, I know this is a board filled with multi-millionares that come here to discuss tax/fee avoidance strategies :), but for those of us not quite there yet, what are the things you have done in the past year or so to cut costs? What did you do with the difference? Things that I have done are: * I ...
by investor1
Wed Oct 08, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8198

Re: When people put all their eggs in the wrong basket

I only became a Boglehead after I paid my tuition. Worked for AT&T, bought the maximum I could with ESPP, kept it through the dot Com bust. :oops: But it would really be nice if people are smarter than I was, and could learn by reading this topic instead of graduating from the School of Hard Kn...
by investor1
Tue Oct 07, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 226
Views: 22562

Re: Cash In Credit Card Points? Or Keep Accumulating?

I used to use them ASAP, but I realized that was only causing me to spend more money on everyday things that I don't really need or even want all that much. I switched to using them once a year. That gives me a decent chunk of change that I can make a decision and do something useful with. This year...
by investor1
Mon Oct 06, 2014 2:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash In Credit Card Points? Or Keep Accumulating?
Replies: 28
Views: 2492

Re: Identity theft?

Yeah, I know freezing it won't expunged the record. CommonBond has already told me (and issued a public statement) that they are working with TransUnion to expunge the record from everyone involved. In addition to that, I was also thinking of freezing my credit since I think my credit card info was ...
by investor1
Sun Oct 05, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1256

Re: Identity theft?

Does anyone know if freezing your credit affects having false inquires expunged?
by investor1
Sun Oct 05, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1256

Identity theft?

Welp, I woke up this morning to an email from the company that I use to monitor my credit. Apparently, someone did a hard pull of my credit even though I have done nothing to initiate it. It was reported through TransUnion, and the pull reportedly came through a company called CommonBond in NYC. I G...
by investor1
Sat Oct 04, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1256

Re: confronting a coworker

Well, that's the thing. I put the time in in April, forgot I had it in there, and then agreed to let him have it. But then you had a conversation with him and agreed to let him have it. It seems reasonable that he would expect to get it. If you still want it, talk to him and explain why you want it...
by investor1
Fri Oct 03, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3593
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