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Re: How would you handle this situation ?

I'd just quit the group, they seem like jerks and a "homogeneous cultural group" sounds boring anyway. Definition of "homogeneous" - a group also known as the more immature term of "clique". Example - "oh, so and so belongs to the "we are hot, you're not teen...
by rex
Fri Sep 12, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2686

Re: How would you handle this situation ?

Thanks all for the support. A few clarifications and answers below: Jez sounds like her social group aspires to be a cult! :twisted: Mandatory fun and socialization is anything but that. Dump them. However, if your wife still thinks these people are worth hanging with and really wants to continue, t...
by rex
Fri Sep 12, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2686

How would you handle this situation ?

Hi Folks, My wife recently joined a small homogeneous cultural group (7 families) . The group arranges for potlucks once a month and that's how it ran for a while. We enjoyed meeting up once in a while. Of late some members started getting very hyper about making themed parties and having gifts in t...
by rex
Fri Sep 12, 2014 1:57 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2686

Re: SaveUp

stingray5688 wrote:so you just move money around between accounts and you get credits? are there some kind of restrictions to prevent beating the system?


+1 - does anyone know if they take into account moving money out of your account ?
by rex
Mon Sep 01, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: SaveUp
Replies: 7
Views: 1488

Re: Planning to purchase first home - need education

Thank you all - this has been most helpful. I'll probably circle back to this thread with questions. But for now have some studying to do in this area :)
by rex
Sun Jul 13, 2014 3:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1410

Re: Planning to purchase first home - need education

Thank you all for the advise - very helpful.

Can someone elaborate on how to get the best mortgage rates / how to shop around for mortgage ? I noticed that some CUs have different rates tied with different closing costs . Any thoughts on that ?
by rex
Sat Jul 12, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1410

Planning to purchase first home - need education

Hi Folks, We're thinking about purchasing a home in the next year or so and was wondering if someone can point the various facets on which we need to educate ourselves , with pointers to some resources if possible. We have never purchased any real estate / property before and would probably need to ...
by rex
Fri Jul 11, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1410

Re: Taxable vs 401k for house down payment ?

All good points - I really need to re-think my strategy here. thanks for sharing your thoughts guys.

I guess what really bothers me in maxing out 401k is that its a lot of money that's inaccessible for another 29 years....
by rex
Mon May 05, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxable vs 401k for house down payment ?
Replies: 5
Views: 732

Taxable vs 401k for house down payment ?

Hi fellow Bogleheads, Need some advice here. DW and I are contemplating a home purchase 3-4 years down the road. We have 10% of the downpayment in cash and for saving the other 10% downpayment we were considering the following options: 1. Invest in a taxable account the $1000/month 2. Invest in a Ro...
by rex
Sun May 04, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable vs 401k for house down payment ?
Replies: 5
Views: 732

Re: Is this ring worth the price ?

Thanks for sharing your thoughts folks. No I'm not looking at this as an investment and the reason i thought of this is that my wife likes pandas - she actually liked the 1oz gold panda. But i was just trying to give her something she can actually wear - a gold panda coin is pretty useless from that...
by rex
Sun Dec 01, 2013 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Is this ring worth the price ?
Replies: 6
Views: 975

Is this ring worth the price ?

Hi folks, I'm thinking of buying something nice for my wife and came across this ring - is it worth it ? http://www.apmex.com/product/65593/2013-1-20-oz-gold-panda-ring-rope-prong Is there a better place to buy 18K+ gold jewelry without too much markup over the spot price ? I come from a country whe...
by rex
Sun Dec 01, 2013 3:27 am
 
Forum: Personal Consumer Issues
Topic: Is this ring worth the price ?
Replies: 6
Views: 975

Re: Software engineering jobs not paying that much?

Coming from someone who has been in this line of work for about 7 years, I can say that it really depends. There is a broad range of salaries depending on your job function, location and company size. When I graduated back in 2006, my classmates got "software jobs" with starting salary ran...
by rex
Thu Oct 17, 2013 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Software engineering jobs not paying that much?
Replies: 25
Views: 3311

Re: mind machine anyone ?

Thanks guys !

I've already tried pitch black curtains and a rain machine - both helped quite a bit. Was looking for another device to boost my sleep ..
by rex
Sat Oct 05, 2013 4:39 pm
 
Forum: Personal Consumer Issues
Topic: mind machine anyone ?
Replies: 7
Views: 587

Re: timex ironman wriststrap

Thanks guys. Any recommendation on where to buy an inexpensive strap - the ones on amazon are selling for $12...
by rex
Sat Oct 05, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: timex ironman wriststrap
Replies: 10
Views: 585

timex ironman wriststrap

Hi folks, So I purchased this Timex ironman watch for $31 two years back and the Velcro strap just gave away. At this point I'm wondering if I should replace the strap for $12 or buy a new watch for $31. The two specific things I'm wondering is : 1. The strap costs about 38% of the cost of a new wat...
by rex
Sat Oct 05, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: timex ironman wriststrap
Replies: 10
Views: 585

mind machine anyone ?

Hi folks, I was contemplating purchasing a mind machine as a way to combat insomnia and get off some sleep meds. The one I'm considering is : http://www.amazon.com/Mindplace-Procyon-System-Meditation-Machine/dp/B000X2BSJM/ref=cm_cr_pr_pb_t Its quite expensive (for me) and so trying to do my research...
by rex
Sat Oct 05, 2013 1:31 pm
 
Forum: Personal Consumer Issues
Topic: mind machine anyone ?
Replies: 7
Views: 587

Re: Why are you a boglehead ???

folks, my apologies if you guys found the poll confusing. But nevertheless, thanks to all who shared their valuable experiences. A few clarifications: --> I was trying to find out if growing up poor taught you to be cautious with money as much as the other way around - if you grew up in a upper midd...
by rex
Sun Apr 21, 2013 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3709

Why are you a boglehead ???

I was recently talking to a gentleman who does consulting work in organizational behavior and he mentioned that often our experiences while growing up shapes our perspectives - which i believe is true. Just curious to see if any of us became bogleheads to get a security blanket that they never had w...
by rex
Sun Apr 21, 2013 1:36 am
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3709

Re: VWITX(Intermediate term muni) vs I-Bonds

thanks folks for the guidance and the link to the savings bond calculator - this is exactly what i was looking for.
by rex
Sun Apr 21, 2013 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: VWITX(Intermediate term muni) vs I-Bonds
Replies: 8
Views: 1483

VWITX(Intermediate term muni) vs I-Bonds

I know this is probably not an apples to apples comparison but just curious if anyone has already done the math. If i invested 10k in VWITX 10 years back - would it have given me a better return than i-bonds for the same period of time ?

thanks,
Rex.
by rex
Sat Apr 20, 2013 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: VWITX(Intermediate term muni) vs I-Bonds
Replies: 8
Views: 1483

Re: Best place to buy a treadmill

Thanks for all the pointers folks - much appreciated. Yes , the whole situation changes when you're on parental duty -its very difficult to stick to your routine when everything revolves around the baby. It seems like I'll be going with amazon and shelling out something like 1k for a decent piece of...
by rex
Sun Apr 14, 2013 3:42 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy a treadmill
Replies: 31
Views: 3417

Best place to buy a treadmill

Hi Folks, I never purchased any exercise equipment before - usually worked out at the gym - that is no longer possible because we just had a baby. So looking to buy a treadmill at home. Does anyone have suggestions on : 1. What price range i should be looking at to get a decent machine that does not...
by rex
Sat Apr 13, 2013 3:00 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy a treadmill
Replies: 31
Views: 3417

Re: Need to buy some bonds

do you have any other TIPS in your portfolio? if not, i think I Bonds are a good choice. see also http://www.bogleheads.org/wiki/I_Bonds_vs_TIPS. EDIT: they're a reasonable option regardless, but i think they're especially worthwhile if you don't have other inflation protection in your portfolio. h...
by rex
Tue Apr 02, 2013 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to buy some bonds
Replies: 3
Views: 598

Need to buy some bonds

Hi Folks, I have spare 6K coming in tomorrow and wanted to use this to fix my AA a little - right now it's tilted more towards stocks. So here is the dilemma - I usually invested in the following bond funds in my Roth ( TGEIX and VIPSX) and VWITX in taxable( Intermediate term muni). Given the low in...
by rex
Mon Apr 01, 2013 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to buy some bonds
Replies: 3
Views: 598

Shakespearean take on diversification

I was dazed this weekend after being heads down on design work for the whole of last week - so decided to read some old plays. I pulled out of of my favorites - "Merchant of Venice" - and as i was reading through , one of the opening paragraphs really struct me - the last time i read this ...
by rex
Mon Feb 11, 2013 5:12 am
 
Forum: Investing - Theory, News & General
Topic: Shakespearean take on diversification
Replies: 47
Views: 3231

Re: Cholesterol measuring machine at home ?

Google "home cholesterol test" returns several shopping results for home kits around $50-100 that seem to be geared much like diabetic test kits for regular home testing. Not sure about accuracy but clearly there are products out there. Yup - i did that and looked on amazon as well - but ...
by rex
Sat Jan 05, 2013 3:48 am
 
Forum: Personal Consumer Issues
Topic: Cholesterol measuring machine at home ?
Replies: 7
Views: 757

Cholesterol measuring machine at home ?

I'm starting a new exercise and diet regimen and would like to measure my progress in lowering cholesterol every other week. Needless to say, getting a blood test twice a month is expensive. I was wondering if anyone has any recommendation for a good in-home cholesterol measuring machine ? Thanks, R...
by rex
Sat Jan 05, 2013 2:09 am
 
Forum: Personal Consumer Issues
Topic: Cholesterol measuring machine at home ?
Replies: 7
Views: 757

Re: TLH fund/ etf pairs

IEMG is a lot better than EEM VONE is another large cap option that is slightly broader. And the Schwab ETFs are another low cost alternative VEA -> SCHF VWO -> SCHE I don't think there's a good option for VGK, but I'm not sure why you're holding that unless you are trying to market time. Thanks ! ...
by rex
Fri Jan 04, 2013 5:15 am
 
Forum: Investing - Theory, News & General
Topic: TLH fund/ etf pairs
Replies: 2
Views: 219

TLH fund/ etf pairs

After quite a bit of deliberation, I've come to the conclusion that dollar cost averaging by letting available money sit in a money market account is not what I want - and would go for the lump sum approach when extra money is available. If the fund/etf I buy falls in price by more than 10%, i'll sw...
by rex
Fri Jan 04, 2013 4:30 am
 
Forum: Investing - Theory, News & General
Topic: TLH fund/ etf pairs
Replies: 2
Views: 219

Re: Best place to get contact lenses ?

livesoft wrote:My family buys contact lenses online: lensdiscounters.com


Nice!!! thanks a lot.
by rex
Mon Dec 31, 2012 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Best place to get contact lenses ?
Replies: 13
Views: 1475

Best place to get contact lenses ?

Hi folks,

My wife uses the acuvue for astigmatism contact lenses and we've been getting them from the local pharmacy for $37/box. Just wondering if someone sells the same brand for less (it'll also be nice if they have the ability to bill our insurance directly) ?

thanks,
Rex.
by rex
Mon Dec 31, 2012 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Best place to get contact lenses ?
Replies: 13
Views: 1475

Re: Probably the wrong question for this crowd....

Joe S. wrote:
I think you need to read up on all the "great" funds that did well for a while and then underperformed. Then don't invest in a "great" fund.


Thanks for the article Joe - food for some serious thought ! i'll prob end up putting the money in VEU ....
by rex
Wed Dec 19, 2012 5:52 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3281

Re: Probably the wrong question for this crowd....

Probably the wrong question for this crowd.... I think you should ask questions like this, so we can tell you why we won't invest in this fund. It has had a great 5-year return, but research has shown that mutual funds that have had a great 5 or 10 year return usually end up underperforming the S&a...
by rex
Wed Dec 19, 2012 5:11 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3281

Re: Probably the wrong question for this crowd....

i think the fact that it has 73% in cash is intriguing - maybe just set up to exploit the swings in the market (just playing devil's advocate here). The other thing that caught my attention is that it dropped just 9.96% in 2008 while most mutual funds including a S&P index dropped 37%.
by rex
Wed Dec 19, 2012 5:08 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3281

Probably the wrong question for this crowd....

but ...is anyone here investing in this Oceanstone (OSFDX) fund ( http://investing.money.msn.com/investments/mutual-fund-rates/?symbol=US%3aOSFDX&ocid=en-us_bingiaquotebtn ). I currently have no allocation in any actively managed fund - but to be honest, this one caught my eye. Thinking about us...
by rex
Wed Dec 19, 2012 3:41 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3281

Free monthly credit report viewing ?

Hi Folks,

I'm currently paying $7.99 every month to have Experian (http://www.freecreditreport.com/) monitor my credit . Are there any cheaper alternatives to this ? Like any credit card that gives me my score/report every month ?

Thanks,
Rex.
by rex
Sat Dec 15, 2012 5:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Free monthly credit report viewing ?
Replies: 10
Views: 1863

Does wells fargo charge ACH debit fees ?

Hi Folks, I want to transfer some money from wells fargo checkin to my vanguard account. From what i understand, the money for buying mutual funds is debited from my other bank acount as an ACH debit. Will i have to pay any fees to wells fargo for this kind of transaction ? Thanks, Rex P.S. Wells fa...
by rex
Sun Dec 09, 2012 5:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Does wells fargo charge ACH debit fees ?
Replies: 6
Views: 1255

Re: Traditional 401k avoids SS and medicare tax ?

Look again. The current* SS tax rate is 4.2% (total 5.65%), not 6.2% (7.65%). * Current end of current is 12/31/2012 True :) i was trying to decide for 2013 ... actually realized this won't help in my case my last 17.5k is outside the Social Security wage base. a roth probably provides better retur...
by rex
Fri Dec 07, 2012 4:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional 401k avoids SS and medicare tax ?
Replies: 8
Views: 1704

Traditional 401k avoids SS and medicare tax ?

Hi folks, I was looking at my payslip and it seems like the traditional 401k is deducted before SS and medicare taxes . Since in retirement, i'll not be on payroll, regular 401k seems to have a definite return of 7.65% because i won't be paying SS + Medicare taxes in retirement... right ? the contex...
by rex
Fri Dec 07, 2012 2:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional 401k avoids SS and medicare tax ?
Replies: 8
Views: 1704

Re: What's the max liability claim you've faced ?

Thansk Op - I've changed the title of the post
by rex
Sun Dec 02, 2012 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the max liability claim you've faced ?
Replies: 7
Views: 792

Re: What's the max auto liability claim you've faced ?

yes absolutely - please DONOT restrict your liability claims to just auto as Op mentioned.
by rex
Sun Dec 02, 2012 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the max liability claim you've faced ?
Replies: 7
Views: 792

Re: Nest Egg number question

Good way of estimating - i did something similar myself. The only thing I'd suggest is to account for inflation (2%?) using excel or something similar.
by rex
Sun Dec 02, 2012 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Nest Egg number question
Replies: 21
Views: 1966

What's the max liability claim you've faced ?

Thanks to all who contributed to a related post regarding the typical umbrella boggleheads carry: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=106274 This is a followup post to get some more perspective on the issue - what is the biggest auto liability claim (or other liability claim) you...
by rex
Sun Dec 02, 2012 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What's the max liability claim you've faced ?
Replies: 7
Views: 792

Umbrella insurance - boglehead way

I'm still wondering about how much insurance is enough and thought a nice way would be to collect some stats on what type of coverage bogleheads carry. Please provide some perspective into the amount you carry vis-a-vis your net worth.
by rex
Sat Dec 01, 2012 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - boglehead way
Replies: 26
Views: 2812

Re: Max out Roth in Jan or dollar cost average

thanks for the thoughts and insights guys. The money is just sitting in a savings account - i plan to invest 5500 in a bond fund and 5500 in a stock fund. I did not contribute lumpsum this year because i did not have ready cash - but i think i'd have liked the results if i did. Seems like i'll be pu...
by rex
Sat Dec 01, 2012 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out Roth in Jan or dollar cost average
Replies: 33
Views: 2455

Re: Max out Roth in Jan or dollar cost average

Hmm I'm not sure if i can put 5500 in roth before my payday in Jan - are there any laws restricting it i.e., I have to fun 2013 roth from my 2013 income only ?
by rex
Sat Dec 01, 2012 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Max out Roth in Jan or dollar cost average
Replies: 33
Views: 2455

Max out Roth in Jan or dollar cost average

Hi Investment Gurus,

I read somewhere that missing the best market days can dramatically lower investment returns.

So i was wondering if i should max out my and DW's roth IRA in Jan or put a fixed sum each month ?

thanks,
Rex
by rex
Sat Dec 01, 2012 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Max out Roth in Jan or dollar cost average
Replies: 33
Views: 2455

Re: Switching from All State to Kemper

Thanks all - I'll try to first negotiate a new rate with AllState as per your advise.
by rex
Thu Nov 29, 2012 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from All State to Kemper
Replies: 6
Views: 532

Switching from All State to Kemper

Hi Folks,

I just received a quote from Kemper insurance company and the rates are 40% lower than all state. I'm wondering if there is a catch somewhere and if anyone has had any experience with this insurance company ?

thanks !
by rex
Wed Nov 28, 2012 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching from All State to Kemper
Replies: 6
Views: 532

Re: Things to consider before buying a used car

Thanks for the great advise folks. I'm basically looking for something within $5000 . The main worry i have about an used vehicle is if something goes wrong after the purchase, say a month down the line, there is no warranty to fall back on. And yeah, I can get a bicycle , but my commute to work is ...
by rex
Wed Nov 14, 2012 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Things to consider before buying a used car
Replies: 17
Views: 1814
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