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Re: Poll: Which iPhone 6?

The most popular option is missing from the poll: Neither.
by origami
Tue Sep 09, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 2925

Re: [Poll] If all active funds have ER= 0.05%, will you buy

stevewolfe wrote:... I'm sure folks here would love to pay 0.05% for Wellington and Wellesley or Pimco Total return ...


No, not at all. I wouldn't buy them with 0% ER.
I'm really surprised with the number of yes votes. I guess gambling is more popular than I thought.
by origami
Thu Jul 03, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2726

Re: How are you doing through the first half of 2014?

What is the purpose of this thread? )
by origami
Wed Jul 02, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9766

Re: Purchasing first smartphone, need advice

If funds permit, always go with current technology when buying a smartphone... As a Boglehead you should know better than to pay premium for the hype around the latest model. IMHO, there is no significant difference in feature set among last three generations or so of the smartphones (of course it ...
by origami
Wed Apr 30, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4318

Re: Warning about P2P Lending [Peer-to-Peer]

I'm also making 13%+ (adjusted) after 4 years with Lending Club. In the last year they had a problem where it was really hard to obtain the loans which would satisfy my criteria, but after they rolled out Prime it became much better (it still takes long time to invest money, but at least it happens ...
by origami
Thu Feb 20, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Warning about P2P Lending [Peer-to-Peer]
Replies: 42
Views: 5843

Re: Tell me I did the right thing

I would sell before Q4 report.
by origami
Mon Feb 03, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Tell me I did the right thing
Replies: 23
Views: 2905

Re: Glad I own bonds today!

"A day like this" is just a regular day and not a reminder on anything.
But if it makes you glad it's great :happy
by origami
Fri Jan 24, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4552

Re: Thinning the Herd - what do you do with unwanted DVDs?

Price check on amazon. I sold everything in my DVD collection which was over $1 in just two weeks. It's amazing to me, but people still buy DVDs.
I donated everything under $1 to local used CD/DVD store.
by origami
Wed Jan 22, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Thinning the Herd - what do you do with unwanted DVDs?
Replies: 69
Views: 4308

Re: Credit Card Bonuses

ieee488 wrote:And where are the links to them?


They are either short time or personalized offers, you need to monitor the web to catch them, but I also wouldn't go for bonuses under $400.
I received $600 and $800 in 2013 and 60K miles per card with airlines.
by origami
Tue Dec 31, 2013 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4302

Re: Crystal ball time...EM in 2014?

Are you saying there are still people on this forum who buy "cheap" and wait for something to "retest $36"? ;)
I have a number for EM in my AA and invest accordingly.
by origami
Fri Dec 20, 2013 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Crystal ball time...EM in 2014?
Replies: 20
Views: 1391

Re: verizon plans- and selling phones every two years

I sold many discounted phones I received from AT&T over the years for renewing my contract. I don't even unlock the phones, just sell them as AT&T phones online. Sometimes I do it even when I need a new phone myself, because you usually can make $200-400 (after all the fees and expenses) by ...
by origami
Tue Oct 29, 2013 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: verizon plans- and selling phones every two years
Replies: 23
Views: 1522

Re: I spend 6.1% of my Gross income on rent

I'm not rich, live in a fairly expensive city, no roommates, walk to work and I spend 2.6% of my gross income on housing (3% with utilities).
by origami
Tue Sep 17, 2013 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 62
Views: 5730

Re: $1000 Espresso Machine

Or you can drink great coffee from a $20 French Press or Moka Pot...
by origami
Thu Sep 12, 2013 12:44 pm
 
Forum: Personal Consumer Issues
Topic: $1000 Espresso Machine
Replies: 13
Views: 1840

Re: Why We Underestimate Risk by Omitting Time as a Factor

The two situations addressed in the beginning of the article are not comparable in my mind. Losing one dollar is not a big deal because presumably one has significantly more than one dollar and can afford to lose 5 times out of 6 in order to come out ahead. You're only allowed to roll the dice once...
by origami
Mon Jul 08, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Why We Underestimate Risk by Omitting Time as a Factor
Replies: 26
Views: 2622

Re: Vacation accrual and retirement planning

Bob's not my name wrote:I'm an immigrant.

And 4 weeks of vacation is a lot?
by origami
Tue Jul 02, 2013 2:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Vacation accrual and retirement planning
Replies: 19
Views: 1569

Re: Vacation accrual and retirement planning

First, I know there's lots of hysterical journalism about how Americans get far less vacation than our role models the French, but not since early career have I had a job with insufficient vacation. In my new job I get four weeks' vacation... As a foreigner working in the US for 11 years I can tell...
by origami
Mon Jul 01, 2013 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation accrual and retirement planning
Replies: 19
Views: 1569

Re: What are you seeing in your Local Housing Market?

In Seattle prices are noticeably up comparing to one-two years ago (one bedroom in downtown you could purchase for $140K is $190K now and sells fast). New construction is everywhere.
by origami
Thu Jun 27, 2013 2:36 pm
 
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 5953

Re: Would appreciate Bogleheaded advice on a vehicle purchas

Install roof rack on the Altima and keep it?
by origami
Thu Apr 11, 2013 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Would appreciate Bogleheaded advice on a vehicle purchase
Replies: 48
Views: 3384

Re: % assets in retirement vs. non-retirement accounts?

My opinion is that if you are concerned that money would be locked up in a 401(k) it isn't likely you would have enough to retire at 40 anyway. I'd max it out. You're right that this decision will not make too big of difference. I see it as a choice between two good options, no loosing scenario. Bu...
by origami
Wed Mar 27, 2013 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 6328

Re: % assets in retirement vs. non-retirement accounts?

A lot will depend on what you plan to do when you retire. If you plan to live modestly and will be in a low tax bracket, I would continue to pile funds into an deferred account. You will need to draw for it for a long long time before getting SS. Lots of years at 15% tax bracket withdrawals. But it...
by origami
Wed Mar 27, 2013 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 6328

Re: % assets in retirement vs. non-retirement accounts?

A related question, I keep changing my mind about it: Let's say I'm 30 years old and have enough saved in 401k already to retire at 59 1/2. In reality I plan to retire in 10 years (40 years old). Does it make sense to max out 401k payments? We have Vanguard funds available in 401k, funds selection i...
by origami
Wed Mar 27, 2013 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 6328

Re: What % of your income are you saving for retirement?

Lollytiger wrote:How do people calculate their savings rate?


I use mint.com.
by origami
Wed Mar 13, 2013 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 21168

Re: Bonds?

Toons wrote:I am buying bonds monthly as the equity side of asset allocation keeps growing due to the rising stock market indices.Asset Allocation


I believe the most common approach is to rebalance once a year, not monthly ;)
by origami
Tue Mar 12, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds?
Replies: 11
Views: 865

Re: What's going on with international?

All I know is that I don't know the future... and that I'd like to avoid having all my assets invested in a single collapsing economy. So I've had no problems sticking with my 45/55 domestic/intl allocation. I do diversify across international/emerging markets, but to be fair many companies traded ...
by origami
Sat Mar 09, 2013 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: What's going on with international?
Replies: 46
Views: 4838

Re: Ready to buy a house....

My mortgage payment is half of the rent I would pay for the same place. Then for the love of [insert deity] buy up every such property you can find and arbitrage away this inefficiency in the market. Well, the monthly rent in this case will be about 1% of the property cost. It's not bad, but 1% is ...
by origami
Tue Feb 19, 2013 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5627

Re: Ready to buy a house....

Imperabo wrote:To me, the question is why buy a house at all if you don't plan on keeping it for many many years? Better to rent.


My mortgage payment is half of the rent I would pay for the same place.
by origami
Tue Feb 19, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5627

Re: What % of your income are you saving for retirement?

75% of after tax income. 33 years old. show your work I'm a full time employee and my salary has doubled in the last 5 years. I had to move to a more expensive city to achieve that, but I was saving money before the salary increase and I was saving money 10 years ago, when I was making four times l...
by origami
Tue Feb 19, 2013 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 21168

Re: Ready to buy a house....

Also - a lot can change in the future. You may easily be required to move (because of the job or something else). In this case you overpay with no reason at all.
by origami
Tue Feb 19, 2013 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5627

Re: Ready to buy a house....

House characteristics: If this is your long-term house, think long term. If you think you will eventually have kids, buy enough space and in a neighborhood that feeds into a top school. It's a very common view. How do people rationalize it? Every day you live in a bigger house than you currently ne...
by origami
Tue Feb 19, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5627

Re: What % of your income are you saving for retirement?

75% of after tax income. 33 years old.
by origami
Tue Feb 19, 2013 1:18 am
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 21168

Re: Selling all of a holding after ex-dividend

Does anybody have an experience with the situation or are all of you just guessing?
How will you sell if you end up having less than one share?
by origami
Wed Dec 26, 2012 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling all of a holding after ex-dividend
Replies: 7
Views: 540

Re: Where can I earn 4% annually on my money?

Peer-to-peer lending (e.g. lendingclub). My return is consistently over 12% before tax for the last 4 years. But it's risky.
by origami
Wed Dec 26, 2012 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Where can I earn 4% annually on my money?
Replies: 23
Views: 4485

Re: What kind of car are you driving?

2006 VW Jetta - 53K miles.
Mostly use it for weekend trips, walk to work and everywhere else during the week.
by origami
Fri Nov 30, 2012 2:55 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21406

Re: Extra Principal vs. Investing

I'm trying to answer a similar question to myself. My mortgage interest rate is 2.85%. I have enough saved in the emergency fund. My alternatives are: to pay extra principal with guaranteed 2.85% or to invest into, let's say, U.S. Broad Market ETF in a taxable account. So the real question is: shoul...
by origami
Fri Nov 30, 2012 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 1915

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