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Re: Any Dangerous Boglehead Group-Think?

Belief that the boglehead method is the definition of simplicity and then spend an unimaginable amount of time analyzing the various methods of not going broke in retirement, best AA, slicing and dicing, gold, TIPS, on and on. Belief that past performance has no relationship with future performance...
by money
Thu Oct 17, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any Dangerous Boglehead Group-Think?
Replies: 73
Views: 4533

Re: Any Dangerous Boglehead Group-Think?

Yes, lots of group-think here. It makes me not come on as often. :( People can turn anything into a religion.
by money
Wed Oct 16, 2013 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any Dangerous Boglehead Group-Think?
Replies: 73
Views: 4533

Re: new job 3.5 hours away

Seems like a bad idea in general; I hope you are not planning on commuting.
by money
Mon Aug 19, 2013 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: new job 3.5 hours away
Replies: 21
Views: 2170

Re: Poll: At what age did you hit $500k Net Worth

Investing is boring wrote:I am 34 and my wife is 32. We got a bit sideways in real estate prior to 2009, but have been able to recover nicely. We anticipate passing $500k Net Worth in the next month or two, and are targeting $1m within the next 5 years.

Sorry, but you forgot to divide by two.
by money
Mon Aug 05, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: At what age did you hit $500k Net Worth
Replies: 68
Views: 7645

Re: Cheap Razors

A couple months ago, I switched to a high quality double edged safety razor, made by a British company. It came with 5 sample blades, and I am still on the first one. I only shave about once or twice a week though. I have sensitive skin and never liked shaving, even with a Mach 3 blade. Now I can sh...
by money
Mon Jun 24, 2013 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6564

Re: Why is the Market having a major sell off?

It's annoying to say the least. Why? You're like 30 years old. because he's 100% in stocks and has no business being. But he should still be a buyer and not a seller for many years to come. Investornewb, take your money and run. This is the voice of money. :wink: :moneybag You got caught-up in the ...
by money
Thu Jun 20, 2013 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the Market having a major sell off?
Replies: 121
Views: 8209

Re: Was today a RBD ?

Seems to be... I missed it, but getting somewhat excited.
by money
Fri May 31, 2013 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was today a RBD ?
Replies: 35
Views: 2751

Re: When investing a week later can mean the difference of 5

Yes, I don't like those mantras either. Buyer beware.
by money
Wed May 29, 2013 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: When investing a week later can mean the difference of 5%+
Replies: 16
Views: 1330

Re: Used Car Purchase...Please Help

Depending on how bad the headlights are, you can also use a less abrasive plastic polish (different grades are available). I bought some from Tap Plastics. I used the plastic polish with a makeshift drill-powered polisher. The renewed finish might last only about a year though. I may just replacing ...
by money
Tue May 28, 2013 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 2510

Re: Roku-ing & TV issues

I bought a Roku and returned it. The streaming options as mentioned are not too good, and the device is too limited in the codecs it supports for streaming my own content, such as archived DVDs. I can stream Netflix through the PS3. I am on a streaming trial with Netflix on the PS3 and it works pret...
by money
Tue May 28, 2013 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Roku-ing & TV issues
Replies: 23
Views: 2050

Re: Vanguard Slow to Process Rollover

I had the check mailed direct to Vanguard from Fidelity. I did not really specify which end of the process took the longest since I am unsure in retrospect. I think on each end there was some delay; it is just too bad these transfers cannot be made more quickly in general if you need to liquidate yo...
by money
Fri May 24, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Slow to Process Rollover
Replies: 15
Views: 1034

Re: Vanguard Slow to Process Rollover

I found the process of rolling over from Fidelity to Vanguard much too slow. I have a 401k that I would also like to roll-over to consolidate, but I am hesitating due to the length of the delay.
by money
Thu May 23, 2013 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Slow to Process Rollover
Replies: 15
Views: 1034

Re: Will 1,666 be the high?

ge1 may have called it... would today be considered a really bad day?
by money
Wed May 22, 2013 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3487

Re: Will 1,666 be the high?

At least for today. :twisted:
by money
Fri May 17, 2013 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3487

Re: Bidding on Ebay; Ignorance on best Bidding strategy

Interesting theory on the accumulating watchers on a low auction. A combination of early bidding and sniping may be optimal. I typically only snipe to avoid price hunters that do not know what they really want to bid on an item and just want to "win". If there are no bids or very low bids ...
by money
Mon May 13, 2013 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 4664

Re: Car Insurance Advice

Sorry, I meant collision coverage (edited in OP). Collision is $151 and comprehensive is $26 for a 6 month duration. The 10% guideline is per year? Total collision + comprehensive is $354/yr.
by money
Fri May 03, 2013 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Car Insurance Advice
Replies: 13
Views: 1396

Car Insurance Advice

I have a 2000 Honda Accord, and I am currently paying a little over $80/month in insurance. I am wondering if it is time for me to change the policy to remove *collision coverage. I do not like the idea of dropping that coverage, but I feel like I am paying too much for car insurance for an older ca...
by money
Fri May 03, 2013 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Car Insurance Advice
Replies: 13
Views: 1396

Re: The application for healthcare exchange

Interesting question. How do you pay less for your medication at Walgreens without insurance?
by money
Thu May 02, 2013 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 3127

Re: Tires & Frugality bit me, now venting...

I used to get tires at Costco, but I found it is not worth it, and I just recently bought them from America's Tire. The service at Costco is terrible and I always dreaded going to get my tires rotated since it took a very long time (few hours) and required advanced planning. I heard the rotation lin...
by money
Fri Apr 19, 2013 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Tires & Frugality bit me, now venting...
Replies: 22
Views: 2947

Re: Contradictory goals – buy low vs. portfolio appreciation

This certainly causes me some psychological warfare. I really hate that the market has run up like it has in 2013 right now because last week I maxed my 2012 Roths, my 2012 HSA, and my 2012 ESA. I felt a lot better lump summing in prior years. In 20 years from now it won't make any difference. I se...
by money
Thu Apr 18, 2013 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Contradictory goals – buy low vs. portfolio appreciation
Replies: 16
Views: 1105

Re: Help me manage a $7 million portfolio.

Another reason to do this: Using an experienced 3rd party removes you from all responsibility. "Never do business with friends or relatives, as you will lose your friends and you can't get rid of your relatives." If things go wrong, you will get blamed. It doesn't matter what caused it, o...
by money
Wed Apr 17, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12746

Re: harvard med school vs. penn med+full tuition scholarship

Agreed. Congrats to the OP, that is a very impressive accomplishment. I think this thread is an indication of the problems within the medical industry, where this is a difficult decision because of the money involved in general. As someone who unfortunately has had to deal with doctors more than I h...
by money
Wed Apr 17, 2013 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10540

Re: Tiny down payments for home mortgages are back

I am hearing about real estate being hot as well in northern CA from family and colleagues. Dozens of offers and $900+k on fixer-uppers. I do not understand how the market prices remained relatively high during the past 5 years. It is frustrating since I ideally would like to own my own home, but th...
by money
Mon Apr 15, 2013 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Tiny down payments for home mortgages are back
Replies: 25
Views: 3696

Re: A nice talk about gold in ones portfolio

Cut-Throat wrote:I like the Strange Denominations like this $3 Gold Coin.

Nice. What is the approx. value of such a coin?
by money
Mon Apr 15, 2013 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: A nice talk about gold in ones portfolio
Replies: 103
Views: 6416

Re: Bitcoins Purpose in a Portfolio

Can you TLH bitcoins?
by money
Thu Apr 11, 2013 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

KyleAAA wrote:Bitcoins dropped 60% today. Probably a good thing you didn't buy any.

It is back up again as of this writing, just a really bad day. I thought we are supposed to ignore the noise. Stay the course. :wink:
by money
Wed Apr 10, 2013 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Investing in cryptocurrencies: Bitcoin, Litecoin, PPCoin

Good point. I was also thinking the development of the dollar was probably very fluid and organic and any number of activities could have simultaneously encouraged it spread and use, no matter what was the official "intent" of creating the currency.
by money
Thu Apr 04, 2013 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in cryptocurrencies: Bitcoin, Litecoin, PPCoin,etc
Replies: 40
Views: 2683

Re: Childrens' Allowance

I never received an allowance or money for grades, so those concepts seem odd to me. I am not sure of the pros/cons of using money as an incentive for youth and the impact of their attitude toward work and being productive, however, I do not see it as being necessary. I think kids learn through obse...
by money
Thu Apr 04, 2013 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Childrens' Allowance
Replies: 71
Views: 4690

Re: Investing in cryptocurrencies: Bitcoin, Litecoin, PPCoin

Cryptocurrencies are an interesting phenomenon, which I read people try to compare to other fads in the past and I feel that most of the analogies are strained or do not apply. For certain it is a relatively new "financial instrument" that is not well understood. There are also many "...
by money
Thu Apr 04, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in cryptocurrencies: Bitcoin, Litecoin, PPCoin,etc
Replies: 40
Views: 2683

Re: What happened to all of the gold bugs?

I do not understand why people get "snobby" about certain types of assets. Given a long enough timeline, any investment could end up being junk in the end. I am interested in gold, but it seems to still be over-hyped and in a bubble, but unfortunately so do other major investment instrumen...
by money
Tue Apr 02, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: What happened to all of the gold bugs?
Replies: 57
Views: 4559

Re: Bitcoins Purpose in a Portfolio

Thanks to everyone else who tried to answer my question. This is not a thread about bitcoin mining strategies... I think we are trying to understand what a bitcoin is since the thread title is "Bitcoins Purpose in a Portfolio". But then again, if you titled it "Please console me abou...
by money
Fri Mar 29, 2013 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

Interesting, which pool is he participating in and what kind of GPU is he using?
by money
Fri Mar 29, 2013 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

Do you have an allocation to dollars, yen, and euros? What about pounds, yuan, and Botswana pula's? What makes the bitcoin currency more appealing to you than these? Yes, mainly cash in USD is a significant portion of my portfolio. I have a very small amount in Euros. I also have 100 Trillion Zimba...
by money
Thu Mar 28, 2013 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

I took a brief look at a bitcoin oriented forum in their speculation area. It sounds pretty wild. Are there people really buying whatever amounts they can, and essentially going all-in? In general, if you were to include something *like* bitcoins in a portfolio, I don't know what it could be compare...
by money
Thu Mar 28, 2013 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

What is the best way to create and store a wallet? How do you report earnings in the future for taxes? It seems like we are overdue for somebody to create an ETF that takes care of all the hard work for us. I would invest in bitcoins if it was as easy as buying stocks. I was thinking the same thing....
by money
Thu Mar 28, 2013 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

Where is a good place you have bought or are planning to buy bitcoins? I might buy one since it seems better than a lottery ticket. Or perhaps I should consider it as part of my AA and put a percentage in and hold for the long-run.
by money
Thu Mar 28, 2013 2:36 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Bitcoins Purpose in a Portfolio

Maybe we should start a mining pool. :D I only heard about it recently, and am obviously way late to the party. It is pretty fascinating what is happening with that currency. Currency is just a concept that enough people believe in and this one is gaining traction. Maybe it is good for the world to ...
by money
Thu Mar 28, 2013 1:04 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 9277

Re: Advice for mother considering bankruptcy

Assumer should focus on his education and not someone else's finances. His mother is an adult and may have made some bad decisions in life. She should try to get her debt negotiated with some professional representation to avoid BK and try to minimize any current sense of urgency. Once the OP actual...
by money
Tue Mar 26, 2013 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for mother considering bankruptcy
Replies: 100
Views: 4822

Re: Best Credit Card with High Limit (Work Reimbursement)

Wow, what kind of expenses are you incurring for the company? At that level, it seems the company should be handling the charges on their accounts. Constantly charging high amounts on personal accounts for the company seems unfair and unproductive, is it common practice?
by money
Tue Mar 26, 2013 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with High Limit (Work Reimbursement)
Replies: 23
Views: 2427

Re: Start-up likely to get bought... exercise options now?

I personally would not believe in internal company hype to the extent of risking current cash for potential future gain. Owing more tax due to a big windfall sounds like a good position to be in. Being so tax adverse to even be thinking about this seems to be going too far in the thought process.
by money
Thu Mar 07, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start-up likely to get bought... exercise options now?
Replies: 10
Views: 1169

Re: Are Reits considered Stock or Bonds or What

Looks like morningstar.com. A tip: check to see if your local library has remote access for full analysis reports (not required for charts).
by money
Thu Mar 07, 2013 3:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Are Reits considered Stock or Bonds or What
Replies: 25
Views: 3825

Re: Deceased leased car in a towing yard? Advice?

It looks like the insurance company will be able handle most of the issues involving the car. There is also a funeral benefit where they help pay for up to $3K in expenses for his policy... I thought I would mention it so someone searching can know about it. Thanks for all the help and support. I ma...
by money
Wed Feb 27, 2013 3:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Deceased leased car in a towing yard? Advice?
Replies: 14
Views: 1232

Re: Deceased leased car in a towing yard? Advice?

*edit - extra info not really relevant anymore
by money
Tue Feb 26, 2013 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deceased leased car in a towing yard? Advice?
Replies: 14
Views: 1232

Deceased leased car in a towing yard? Advice?

I was informed today that my dad died yesterday while driving a leased car, and it was towed from the scene and currently in storage at the towing company. We do not want anything to do with the vehicle. I am wondering what we should do (children (us) are next of kin). Should we leave it at the tow ...
by money
Tue Feb 26, 2013 3:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Deceased leased car in a towing yard? Advice?
Replies: 14
Views: 1232

Re: What caused the market crashes in Japan and U.S.?

This question reminded me of reading recently about pets.com and its weak IPO as an example of one of the multiple triggers for the 2000 crash. By 2007 the shadow banking system was making 75% of the loans in the US. And just like any unregulated banking system which therefore lacks deposit protecti...
by money
Mon Feb 25, 2013 4:32 am
 
Forum: Investing - Theory, News & General
Topic: What caused the market crashes in Japan and U.S.?
Replies: 24
Views: 1692

Re: Feel like I somehow cursed the market

Yes if I was an investor in the 80's I would agree that movements now are a "blip". However, if you started investing in the 2000's you would have a different perspective on the market. The overall historical market trend is upward, but in the last ~decade there have been major swings. In ...
by money
Fri Feb 22, 2013 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feel like I somehow cursed the market
Replies: 48
Views: 2784

Re: Feel like I somehow cursed the market

I have been somewhat following this thread, so I apologize if this has been covered before, but a question comes in my mind, since I recently realized I have way too much of my money in cash... Isn't going all-in on a market high a form of market timing driven by the subconscious? Why did the OP wai...
by money
Fri Feb 22, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feel like I somehow cursed the market
Replies: 48
Views: 2784

Re: Rebalancing template/spreadsheet

Awesome Google Docs suggestion for automatic price updates, thanks!

http://support.google.com/drive/bin/ans ... wer=155178
by money
Thu Feb 14, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 12
Views: 1280

Re: Advice on moving ETFs out of TradeKing

I spoke with TD Ameritrade and they said they would cover the fee if I send in a request for them to reimburse the fee after the transfer is completed. It looks like later, I have the option to do a free partial transfer for the Vanguard ETFs if I feel like I want to have the funds at Vanguard. I wi...
by money
Mon Feb 11, 2013 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on moving ETFs out of TradeKing
Replies: 8
Views: 661
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