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Re: Vanguard offers login security code

indexmeasap wrote:Is there anything else VG can do?

Yeah.... Better 2 factor instead of SMS - via either an app (RSA, ENIX or a million others) or via a hardware token that a lot of us already have for other things.
by rob
Fri Nov 21, 2014 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 51
Views: 3702

Re: What doyou splurge on?

Photography & Travel
by rob
Fri Nov 21, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 108
Views: 5407

Re: What to prepare for first baby due next month?

generalzodschicken wrote:Aspirin.
Vodka.
Quaaludes.

You really should not feed a newborn Vodka :mrgreen:
by rob
Wed Nov 19, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2704

Re: Buick regal/chevy impala

I drove an Impala for the first time in a VERY long time...... was actually reasonably impressed. I mean it's not a BMW driving experience but not too bad.....
by rob
Tue Nov 18, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Buick regal/chevy impala
Replies: 12
Views: 884

Re: New teenage driver - which car for insurance

Sux for other road users in an accident but larger car is safer for the driver IMO.......
by rob
Tue Nov 18, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 2189

Re: Basic investment question

Do you have a Roth IRA? You can withdraw contributions in an emergency. You can do the 3-fund portfolio in taxable (Total Stock, Total Int'l, Tax Exempt Bond). Or just choose one, depending on what you have in your other accounts. I wasn't aware of this. From what I'm reading, it doesn't even look ...
by rob
Tue Nov 18, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 1394

Re: Chip and Signature (not PIN) in Europe

Have a few different cards and some extra cash.... It just does not work like the credit card companies prattle on about..... On a couple of different trips, I've had issues without a real pin (and it's not the pin that most banks will issue... that's for cash advances in an atm).
by rob
Tue Nov 18, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Chip and Signature (not PIN) in Europe
Replies: 15
Views: 775

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

He is not conservative or aggressive - he is just fact. I know this is the Bogle board but I think we should not give anyone the ability of foresight.... His guess is certainly more educated than mine but in the end it's just a guess - people like to call them projections to give it more weight. Th...
by rob
Tue Nov 18, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6012

Re: Treasury Direct - How do I....

Thx... Seems it's a matter of writting down all the dates and MANUALLY matching the max date <= my issue date for each lot..... I mean it's not like there is some machine with a coding construct that could you know automatically show this information :oops:
by rob
Tue Nov 18, 2014 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - How do I....
Replies: 3
Views: 992

Re: Paid off our Mortgage this evening!

That's great - you want to start paying mine now? :D Fee up some cashflow to add to the savings :D
by rob
Mon Nov 17, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 71
Views: 6820

Re: Is investing more risky today today than before the inte

In some ways it's too easy.... you can see everything in realtime (or close to it).... which in the past was way too expensive for most people..... IMO that make the noise louder and can be a bad.

On the flip side.... it's easier to get info on things - like this board :-)
by rob
Mon Nov 17, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2707

Treasury Direct - How do I....

On the TD abomination of a site... anyone know how to show the fixed rate for a specific bond (or better yet for all of them in the list)?

I see the blended "current" rate but not the fixed rate portion.... and yes I have waded through what they laughingly call "Help"......
by rob
Mon Nov 17, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - How do I....
Replies: 3
Views: 992

Re: Just signed up Obamacare again.

I live in Massachusetts. I just signed up for Obamacre again. Easy as pie this year-last year system was lousy. NOT trying to make this political, it's a genuine question as I was looking recency for some planning....... The federal site kicked me to the Mass site...... Is that what you mean or can...
by rob
Sat Nov 15, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3248

Re: Bogleheads, tell me about your 40's?

I'm still pretending that I'm not in the last throws of the 40's :shock: I never found an answer to that aging issue but let me know if you find something, cause my 40's convinced me getting old sux on some fronts :-) I found my 40's the point where assets start growing faster than my contributions....
by rob
Thu Nov 13, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 97
Views: 11914

Re: Vanguard web site changes

No word as yet on whether single-use security codes will be available via email for those of us who don't have cell phones. Is that actually secure, considering that email accounts can be hacked into? I'd prefer a phone call to my home number. It's certainly not secure but even without what people ...
by rob
Thu Nov 13, 2014 1:32 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 6686

Re: 30% In International Stocks?

But International stocks cost more, there is more risk involved , and if the foreign stocks are in a tax-advantaged account, there is a bit of double taxation. I see this repeated a lot and while I agree on higher costs and potentially extra tax for US based investors, I am lost why non-US stocks a...
by rob
Wed Nov 12, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5263

Re: Vanguard launches new offering ...

How much are they offering to pay for my advertising services?

Oh you mean they want us to PAY them and advertise for FREE.... Yeah, not likely :D
by rob
Wed Nov 12, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 101
Views: 9480

Re: Tax hiccups for investing in Index funds- US Non residen

Do your friend a favour and avoid us based mutual funds, AT LEAST buy equal ETF's in a brokerage company that accepts there are places outside the US (a lot of them are geographically illiterate). I don't know the relevant tax treaties for India, but it's worth investigating it BEFORE THEY DO ANYTHI...
by rob
Wed Nov 12, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Tax hiccups for investing in Index funds- US Non resident
Replies: 1
Views: 211

Re: TWO home internet connections with two ISPs

If your talking about computers been on either one or even switching between then there is no issue.... whoever is connected to the wire/wireless for A is running under A and same for B. I have had that briefly for fiber and cable in the long past. If your talking about combining them to get more sp...
by rob
Wed Nov 12, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1125

Re: Experience with Target Redcard?

I think so called security is a joke with any card, so makes no real difference - I pay from the bank online bill pay to target (no auto anything) so it's not like they could suck out money anyway. I find the 5% discount worth the hassel but it's the only store type card I use. Edit: Just to clarify...
by rob
Wed Nov 12, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 2710

Re: How can I convince my wife to accept investing??

So how can I teach her? Maybe start with what stuff used to cost and what people used to earn..... Remember her parents/friends/you/whatever earned x widgits per year and that's now worth y widgits... Get into the inflation conversation that all governments run now and how cash saved cannot keep up...
by rob
Tue Nov 11, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 4320

Re: Road Tolls, and Rental Cars

Why not just go through the cash lane and pay the toll? Seems a lot simpler. This is increasingly impossible. Many toll roads are cash-free. New ones are being built that way and old ones are being modified. There are many many toll roads where paying in cash is impossible. Even in those increasing...
by rob
Tue Nov 11, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 20
Views: 1068

Re: 529 Plan

Before you jump on the Vanguard options... check your states tax rules to see if there is a deduction for contributions... some states give you something and can make non Vanguard plans worth the extra cost. I use the Vanguard one that is half ass-ed integrated with the main website NV maybe? (used ...
by rob
Tue Nov 11, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 Plan
Replies: 6
Views: 662

Re: International Stock Diversification — A New Look

Interesting... although profit (after tax etc.) rather than raw revenue would be a more interesting. I think it's just a reminder that there are eleventy-million measures that might make sense and the traditional ones are just a set of possible measures rather than the only ones.
by rob
Mon Nov 10, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5282

Re: Great camera to take pics?

If you want details look up the amply named Circle of Confusion :shock: You can get better "blured" backgrounds with non-slr's (really non larger sensors) by getting close to the person, zoom in as far as possible and selecting a background as far away as possible..... but it's easier with...
by rob
Sun Nov 09, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 4522

Re: When do you buy a new home computer?

dbr and JDCarpenter both offer some good "duh" responses here: just back the dang thing up. A few questions: 1. What service do you use for the online backup? (iCloud? Google? Etc.?) I use Mozy; bit of inertia for me. As rob indicated, a lot of options. Would recommend a real backup servi...
by rob
Fri Nov 07, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3999

Re: When do you buy a new home computer?

First thing is to get a backup... either an online service like crashplan (lots of others) and/or some USB type drives - There are only 1 type of people, those that have HAD a drive failure and those that WILL have one :-) For the machine... I do it when I find the machine is not able to run newer s...
by rob
Fri Nov 07, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3999

Re: Your very first email

What anyone would recognize as "email" outside company sometime in early 90's and a few years earlier for internal use only (pre Micro$oft world on a mainframe of all things :-) ). Back into the mid 80's in uni it was all about bbs/usenet...... but not really email as people know it. Maybe...
by rob
Thu Nov 06, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2371

Re: Sold all my individual stocks, but....

If you have some attachment (which as above you should not)... then buy a single share in paper form and frame it - I believe that you still get share certificates issued now days??
by rob
Wed Nov 05, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Sold all my individual stocks, but....
Replies: 15
Views: 2172

Re: Difference between Index providers?

Rob, the index fund ER is low, but there are administrative expenses too unless the company is paying them, which is rare.Paul Yes - I included BOTH the admin fee and the investment fee (I do know the split) but all in costs are a little below Vanguard admiral funds. I certainly don't hate this spe...
by rob
Wed Nov 05, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Difference between Index providers?
Replies: 5
Views: 478

Difference between Index providers?

Soon I will have the option to rollover my 401K to Vanguard (due to - um - a qualifying event :-) ). This is not the usual 401K plan we all love to hate.... the fund options I use are all index funds (apart from a fixed fund) with expenses slightly LOWER than Vanguards admiral funds (0.03 - 0.05 low...
by rob
Wed Nov 05, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Difference between Index providers?
Replies: 5
Views: 478

Re: Cash - Throw it on the table!

In cash accounts - probably only 2-3 months of savings (I use it more for big ticket purchases) but also have a large taxable retirement portfolio, so after that pot of cash I would sell and re-balance in tax deferred accounts. Due to some upcoming changes we have been growing the cash some but I do...
by rob
Wed Nov 05, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3741

Re: is this a wash sale?

The real answer is no one knows the exact definition of "substantially equal" because the IRS has been (deliberately) vague in public rules....... It doesn't matter if they are substantially equal because the IRS does not use that term. Your right... I misspoke... substantially identical....
by rob
Thu Oct 30, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 582

Re: is this a wash sale?

The real answer is no one knows the exact definition of "substantially equal" because the IRS has been (deliberately) vague in public rules....... I would say not a wash and I think that's a reasonable position. Target fund is clearly different and different vendors is closer to the line I...
by rob
Thu Oct 30, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 582

Re: How are you supposed to move a 401k

Yeah it's annoying BUT it could have easily gained you as much as you lost.... it's just time out of the market.
by rob
Thu Oct 30, 2014 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 19
Views: 1327

Re: Vanguard's Voice Recognition

I'd never heard of this. Surprised no one at vanguard has mentioned this to me or my mom. There's more info here, but still trying to figure out how to sign up. https://personal.vanguard.com/pdf/c106.pdf?2210065141 I believe you have to be invited to be eligible. I did it a week or so ago... just g...
by rob
Wed Oct 29, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1252

Re: Looking for career advice

Not exactly sure what your after but...... What you do to earn a living and what you believe can happily co-exist when they conflict - otherwise the decisions made every day in business would not happen. My advice is to keep them seperate :-) I know most will say love what you do, find your passion ...
by rob
Wed Oct 29, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help I'm a trader [looking for career advice]
Replies: 4
Views: 950

Re: Checking monthly - may not even notice the October "cras

All I know is that my new 401K contributions have been to bonds for years......
by rob
Wed Oct 29, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4403

Re: Refinance or payoff mortgage

I would do nothing
by rob
Tue Oct 28, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance or payoff mortgage
Replies: 6
Views: 664

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 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6947

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 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3834

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 12:14 am
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1994

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
Sun Oct 19, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do so many HCEs contribute the max to 401k
Replies: 30
Views: 2759

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 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1762

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 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2069

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 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4119

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 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3773

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 10:44 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3943

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 8:37 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3943

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 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 9927
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