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Re: Do you regret buying your home?

Yes! and the bigger bills and hassles that come with it.

But it's a lifestyle thing for your family and if I had my time again I would try and find a longer term lease of some type - I hated moving each year or so when renting and was never a fan of apartments.
by rob
Thu Oct 23, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 77
Views: 5333

Re: Just wondering how you personally calculate net worth

I don't change the concept of "net worth" to be something it isn't BUT I don't care much about it. What I suspect your getting at..... I calculate a number for retirement purposes (don't know what label to put on it) - Removing money market, emergency funds, value of the house (and mortgag...
by rob
Thu Oct 23, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 53
Views: 3096

Re: selling RSU immediately

Would you buy the stock with cash? Vesting RSU is the same as getting a cash bonus and buying the stock...... could be a good or bad plan. Obviously, keeping a lot of your money in company stock is a bad idea - employees are often the last to see the signs.
by rob
Tue Oct 21, 2014 1:14 am
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1919

Re: How do so many HCEs contribute the max to 401k

The HCE limit is a per company thing, so while yours might be 3% mine is 10%.... same issue though - cannot get close to the IRS limit. The funny thing is that those with very high incomes can get to that IRS limit anyway even with a percent limit (not talking about top hat type plans here which sre...
by rob
Mon Oct 20, 2014 12:31 am
 
Forum: Investing - Help with Personal Investments
Topic: How do so many HCEs contribute the max to 401k
Replies: 30
Views: 2642

Re: If those airline passengers get sick- airline stocks wil

Maxed out my margin balance to buy options... or maybe nothing :-)
by rob
Fri Oct 17, 2014 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1677

Re: Mega bus vacation with toddlers.

I have used Megabus a bit but not on those lengths - they are fine (mostly wifi which helps a lot) but not a lot of space and certainly less comfortable seats than a car. However with kids that age I just would not do it vs. driving regardless.... just too much lost flexibility for me.
by rob
Fri Oct 17, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1912

Re: How did you get from $1M to $10M

I don't think there is a sensible way to get that kinda money from the type of investing that is discussed in these parts..... most people who get that get it from inheritance, creating and selling companies or alike - there is just not enough time for regular savings to grow to that level. As menti...
by rob
Thu Oct 16, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4037

Re: Who should regularly contribute to taxable investments?

Are there other common reasons for people to skip some steps and jump straight to taxable investing I skimmed through the replies so pardon me if these are already covered..... - Some people are limited in 401K contributions far below the IRS limit due to the employer plans. - Tax diversification.....
by rob
Thu Oct 16, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3548

Re: What happened to the audiophile?

I'm not trying to bust your chops, and go ahead and keep watching SD if you like. But HDTV is so superior, particularly for sports, and has gotten so reasonably-priced, that it's a must-have for me. The issue might again be the source.... Verizon in my case compresses the signal so much on most cha...
by rob
Wed Oct 15, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3708

Re: What happened to the audiophile?

I'm not trying to bust your chops, and go ahead and keep watching SD if you like. But HDTV is so superior, particularly for sports, and has gotten so reasonably-priced, that it's a must-have for me. The issue might again be the source.... Verizon in my case compresses the signal so much on most cha...
by rob
Wed Oct 15, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3708

Re: Relatively new here. What did you do in 2008/09

Towards the end I started getting concerned.... and while I certainly didn't panic or sell (actually I moved my roth contrib forward to get the buys in earlier than otherwise) but I did add some bonds over the 3-4 years after that - I am only talking 5% here and it was just time to drop to 70/30 sin...
by rob
Tue Oct 14, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6881

Re: Ebola preparation

Quickfoot wrote:Also the CDC has a Zombie Apocalypse planning site that is just as valid for Ebola: http://www.cdc.gov/phpr/zombies.htm

:oops: My tax dollars hard at work again...... I learned something today I wish I didn't know but unfortunately does not surprise me one bit :twisted: .
by rob
Tue Oct 14, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2239

Re: Airline carry on limits

So far as what might get you stopped by security, is a big bottle of vitamin pills going to be a problem? What do you think the risk is? TSA has a site showing naughty + nice items. Unfortunately... what the TSA site might say and what might get stolen (confiscated I guess is the word they would us...
by rob
Tue Oct 14, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3009

Re: POLL : SP500 next : 1900 or 2200?

You may select 1 option

This is where I got stuck..... could not vote cause your making me pick a direction :-)
by rob
Thu Oct 09, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 2993

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

Just another out of touch zillionaire..... maybe it's because people are still losing jobs or facing decreasing salaries and it's tough to commit to a mortgage when there is no job stability. This board is hardly a good indication of what is still happening out there.
by rob
Thu Oct 09, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 8846

Re: Multiple brokerages?

Since Vanguard appears occasionally to lock people's accounts from time to time and prevent them from accessing their money I've never experience this scenario. What exactly does someone have to do to have their account locked? Some type of fraud? It just takes someone else to use your username.......
by rob
Thu Oct 09, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 849

Re: Headed for a 300+ point loss today?

I honestly wouldn't even know about market movements without these threads. I care, even though it causes zero action on my part. This kind of states my position.... nothing I would or can do about it...... My 401K has been all bonds for a long time, so maybe more of this would cause me to change f...
by rob
Thu Oct 09, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28493

Re: Process for organizing and sharing photos

The most important thing, imho, is to be an editor. No one needs a bunch of photos of the same thing from infinitesimally different angles. Especially the people one sends photos to :D As someone old enough to understand where the word "slideshow" really comes from I have to emphasise thi...
by rob
Wed Oct 08, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Process for organizing and sharing photos
Replies: 11
Views: 771

Re: Things that you will not spend money on and most people

Based on another thread... concert tickets :-)
by rob
Wed Oct 08, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4008

Re: Live Speakers You Enjoyed

Not financial (and it will not translate well without the cultural references) but Clive James is by far the best live speaker I have seen in person. He would walk up to the podium and put a hand on each side and talk for several hours just with the odd drink of water and it was enthralling.
by rob
Wed Oct 08, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Live Speakers You Enjoyed
Replies: 12
Views: 678

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

Tom_T wrote:Those types of forums tend to support groupthink.

Sorry to jump on this one comment but I think we all have to be careful... I would swap "Those" to "These" including this one.
by rob
Wed Oct 08, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 227
Views: 23071

Re: Should I go for RSU or Options?

RSUs will be taxed as income when they vest. ISOs will potentially expose you to the AMT when you exercise them, but if you hold them for a year after that you'll only be taxed at long term capital gains rates. I think you also have a 2 year holding from the grant date to get LTCG. There is an elec...
by rob
Tue Oct 07, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 929

Re: Should I go for RSU or Options?

RSU's with the same nbr and vesting BUT I doubt they would do that 1:1.... confirm that up front.
by rob
Tue Oct 07, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 929

Re: New B of A visa chip card, no pin needed?

"simply tell the merchant your card only requires a signature" Yeah best of luck with that.... The crap that sprouts from US banks is amazing on this topic. They need to catchup with the 1990's already. It's country specific...... It will work a lot of the time and other times you're just...
by rob
Tue Oct 07, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2532

Re: Company stock match, good deal?

Been there and I just held my nose and did it anyway..... Once I left I sold right away. I HATED having all that stock as a match instead of cash but you want to save anyway so what options do you really have... Just think of it as free stock instead of free money and that it might be worth zero. T...
by rob
Mon Oct 06, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company stock match, good deal?
Replies: 18
Views: 1118

Re: Fleetwood Mac tour

The price of "tier 1" acts is just out of control...... I'm not going to hear anyone at that price point... lots of local acts that are far less greedy (I don't necessarily mean the group as they no doubt get a small part of the price) and that price buys a lot of CD's/downloads.
by rob
Mon Oct 06, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1403

Re: Cramer's sane moment on Gross' exit

He gets a bad name here - hey I still have him in a pool as most likely to die from an exploding head while on tv :D - but like a lot of us, I suspect his personal beliefs might differ from what he needs to do to earn a living. I don't own any products that my employer sells for reasons many here wo...
by rob
Thu Oct 02, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer's sane moment on Gross' exit
Replies: 24
Views: 3175

Re: Disappointed in Vanguard customer service

The one that drives me around the bend is something along the lines of "all of our customer service representatives are helping other customers. We appreciate your patience." After a few repetitions, I start cursing back at the phone about my presumed ____ing patience. I prefer the one ab...
by rob
Wed Oct 01, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 38
Views: 4389

Re: Company stock match, good deal?

Been there and I just held my nose and did it anyway..... Once I left I sold right away. I HATED having all that stock as a match instead of cash but you want to save anyway so what options do you really have... Just think of it as free stock instead of free money and that it might be worth zero.
by rob
Wed Oct 01, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company stock match, good deal?
Replies: 18
Views: 1118

Re: need for a backup credit card?

Never could understand why anyone would need more than one. You mean like my credit company for 15 years on an account paid in full each month - determined that my card was stolen because I dared to use it 200 miles from home to a city I have been a half dozen times before :oops: Same thing has hap...
by rob
Tue Sep 30, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1666

Re: Why Aren't Waterbeds Popular Anymore?

Have had one for >25 years as well (full bladder)..... I have no clue why they are not more popular. Try one in a cold climate during winter and you would never change :-)
by rob
Tue Sep 30, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1435

Re: Vanguard ETF and fund

+Funds allow free buy/sell to rebalance
by rob
Fri Sep 26, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF and fund
Replies: 19
Views: 1122

Re: "What to do if you win the lottery...."

ieee488 wrote:I would be more concerned about how to drop out of sight once the news hits the fan.
Change telephone numbers, etc.

This would be right after getting the lump sum and giving my employer some suggestions about their dysfunctional company :D
by rob
Fri Sep 26, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: "What to do if you win the lottery...."
Replies: 9
Views: 1343

Re: Pimco Total Return - Keep or Sell

This is another rub with active mgt.... You will have to determine how much you want to follow Gross vs. the existing mgt ability to continue the same path. I don't know....
by rob
Fri Sep 26, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2374

Re: Any disadvantages of filing for unemployment?

Might want to check it out but normally severance does not count for filing.... so she might be already able to file.
by rob
Fri Sep 26, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2245

Re: Are trash compactors good things?

I actually like hauling my trash to the dump, sort of. I run into neighbors. I get to peruse the dump library. It's hardly any work really........and I do it on my own time, rather than having to put it out on a schedule. I cannot stand it.... I thought I lived in a civilazied country :shock: The i...
by rob
Thu Sep 25, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1052

Re: Too many houses?

You seem to be having an issue just because your asking the question, so assuming you want to lighten up..... to answer I would have to know what carry of rentals and what if any leases are in place. Based on numbers present, I would sell the vacation house as it's a bit chunk of the value and presu...
by rob
Thu Sep 25, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3722

Re: Are trash compactors good things?

123 wrote:With a trash compactor you can turn 10 pounds of trash into 10 pounds of trash. It's just amazing what modern technology can do.

Yeah but in our case we have to take the trash to dump it, so it's a volume thing fitting into the car :-)
by rob
Thu Sep 25, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1052

Re: We're all going to die!!!

** Busted post since title was changed **
by rob
Thu Sep 25, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4807

Re: POLL: Would you rather work half as long or half as ofte

This is ugly. At least as of this moment option ONE is taking a beating. Yeah... not what I was expecting (I voted for #1).... That response so far surprised me - especially in this group. I would actually prefer a reverse #1.... have money and fun at the beginning and die in a cube somewhere but t...
by rob
Thu Sep 25, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4142

Re: What did you always wish for but never got?

A flying car (Jetson's was one of my fav cartoons)..... which I am STILL WAITING FOR :D
by rob
Wed Sep 24, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5301

Re: Norwegian Airlines

I always answer "how is x airline" with... how much worse could they be than the usual big airline crowd - AA, UA etc..... Most non US long-haul airlines are better.
by rob
Wed Sep 24, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 24
Views: 2040

Re: Employer Roth 401K Contributions at tax time

You mean employee contributions? Employer matching is not going to be categorized as a "roth". Paying tax now is the same as paying tax later if you pay the same percentage of tax in both cases. True but only when all things are equal (not just tax rates).... There are thresholds/cutoffs f...
by rob
Tue Sep 23, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer Roth 401K Contributions at tax time
Replies: 6
Views: 348

Re: What's in your tax advantage accounts?

do you count "Stable value" as muni bonds? or semi-govt Bond Funds? or do you count that as something else? Yeah it's a tough one because I get no info on what's really wrapped inside the GIC's... it's always made me queezy to be honest. I count it as a short term bond for allocation purp...
by rob
Mon Sep 22, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4520

Re: What's in your tax advantage accounts?

Like a lot above.... 401k is roughly 50% stable value and 30% fixed with the rest been stock... Roths are mostly stock and past rollovers are mixed of all sorts of stuff.
by rob
Sun Sep 21, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4520

Re: When to throw out childhood toys? Encourage me please.

If one reads all the stories of folks with children who have literally nothing, it amazes me anybody would "not" call the Salvation Army<snip> I agree there are charities that take stuff but that particular one rocked up and didn't like a lot of our stuff... I mean really :oops: Had that ...
by rob
Sat Sep 20, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2434

Re: House broken into--please help

That's crappy.... - Credit freeze is a good start - Change all passwords since the laptop was stolen - Not sure about US but normally you need to report stolen passport with a police report - Drivers license? - Don't forget about stuff like library cards or alike that could be used but are not bank ...
by rob
Fri Sep 19, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2384

Re: Vanguard's Website - Bad, or just me?

MossySF wrote:4) Make near-mirror transactions in taxable vs non-taxable where tax loss harvesting opportunities are available

We disagree on complex and what it would need to do but #4 on your list is not allowed :-)
by rob
Wed Sep 17, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2434

Re: Vanguard's Website - Bad, or just me?

... so there could be some pretty ugly tax consequences of an easy-to-use rebalancing tool. Imagine the howls of protest if somebody clicks some percentages to rebalance and then gets a 1099 for the transaction. Excellent point. My employer's 401(k) plan has a rebalancing tool. However, it's within...
by rob
Tue Sep 16, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2434

Re: Vanguard's Website - Bad, or just me?

As a long term buy and hold investor of Vanguard mutual funds ...... I find it woeful; not the worst I have used by certainly in the lower end - As you say it comes down to usage patterns and what sites you are used to in the past. OP - It's leaps and bounds better than it has been in the past - I ...
by rob
Tue Sep 16, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2434
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