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by rob
Thu May 21, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4072

Re: Career Advice: Follow "Passion" or Follow the Money?

If this is a serious question and those nbrs are remotely correct..... #2 is the obvious path..... money = freedom and consulting = time freedom if your god enough to keep getting gigs.
by rob
Wed May 20, 2015 7:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 129
Views: 9799

Re: Master Thread for Metro Boston's Chapter (MA)

Yo... Yes (as per email I answerd the survey and confirmed but posting here anyway :-) ).
by rob
Thu May 14, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 4980

Re: Why is Vanguard's Web Site So Bad?

There are a lot of things that could be improved with close to zero dollars.... e.g. very simple stuff like instead of calling all downloads "statement.pdf" call it something like "Account_Month.pdf"; or NOT putting the damn login name field below the screen on smaller laptops so...
by rob
Mon May 11, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 5555

Re: Poll: Increasing international equities

In 1990, Burton Malkiel was recommending that retirees hold zero international equities (and that young investors hold only a small percentage). Today, he is recommending that retirees split their equities 50/50 U.S. international. I can't think of anything that's happened in the last 25 years that...
by rob
Mon May 11, 2015 6:14 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6643

Re: International - Who really is at 40%

I didn't manually tally up how many people said yes :D ..... I have been 50 ish non US for more than a decade. As to the good idea - who knows but it's cost me over time.
by rob
Mon May 11, 2015 6:10 pm
Forum: Personal Consumer Issues
Topic: Preventing people from disturbing wet sidewalk cement.
Replies: 13
Views: 1272

Re: Preventing people from disturbing wet sidewalk cement.

This concrete is coated with carcinogens - seek immediate medical attention if you come into contact. :oops:

Our garage is full of cat foot prints :(
by rob
Sat May 09, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: "Should We Teach Teenagers to Trade?"
Replies: 30
Views: 2125

Re: "Should We Teach Teenagers to Trade?"

I think this is horrible self serving proper-gander :oops:

The way to win is to do the OPPOSITE of long term investing. It should NOT be encouraged IMO and it's a shame that the so called teachers have also been brain-washed into thinking this is "education".
by rob
Thu May 07, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Free time in Prague and Amsterdam .. what to see?
Replies: 18
Views: 990

Re: Free time in Prague and Amsterdam .. what to see?

Also in Amsterdam: If you enjoy biking, you can rent bikes, take the free ferry across the river and ride your bike around the dutch countryside. Your bike rental place will give you a map. You can also rent paddle boats down the canal... well worth it if you are up for a bit of physical activity. ...
by rob
Tue May 05, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Fidelity AMEX with Citibank Double Cash
Replies: 14
Views: 1753

Re: Replace Fidelity AMEX with Citibank Double Cash

tbradnc wrote:You can create single use numbers with the Citi card. Plus you can set an expiration date for the number and a maximum dollar amount.

Okay (don't have any citi cards)... I love that feature so good to know citi has it. Yeah same as fido set a limit, exp date, close down a generated nbr etc.
by rob
Tue May 05, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Fidelity AMEX with Citibank Double Cash
Replies: 14
Views: 1753

Re: Replace Fidelity AMEX with Citibank Double Cash

I'm not BUT I have the no longer available Fido 2% mastercard as well as the 2% amex. I also do the quicksilver for non US purchases since both fido cards have the foreign txn fee (among a gaggle of others for specific purposes, like amazon etc - read anything > 2% :D). While the FIA website is path...
by rob
Tue May 05, 2015 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401(k) with former employer: annoying calls from Transamerica
Replies: 16
Views: 1267

Re: Wife's 401(k) with former employer: annoying calls from Transamerica

Even a "good deal" in a 401K is a bad deal compared to what is available in IRAs. I don't agree with this as a blanket statement..... The index funds in my 401K are far cheaper than I can buy at Vanguard directly in an IRA. I also have access to a stable value fund that cannot be had in a...
by rob
Mon May 04, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9220

Re: Will you buy self-driving car?

Driverless cars are already 10x safer than any human driver in existence. Ok, I have let most of the nonsense stats in this thread slide but this one is too far... What is the definition of "safer"? How exactly do you plan to prove this statement (burden of proof is on the one making such...
by rob
Mon May 04, 2015 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401(k) with former employer: annoying calls from Transamerica
Replies: 16
Views: 1267

Re: Wife's 401(k) with former employer: annoying calls from Transamerica

Why on earth would you want to deal with a previous employer that your angry with.... Just roll it over to Van or Fido and pick fund/s that make most sense and move on with life. It's hardly a huge deal to do and she does NOT have to talk to previous employer. As to the salesmen... tell them to poun...
by rob
Mon May 04, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9220

Re: Will you buy self-driving car?

Driverless cars are already 10x safer than any human driver in existence. Ok, I have let most of the nonsense stats in this thread slide but this one is too far... What is the definition of "safer"? How exactly do you plan to prove this statement (burden of proof is on the one making such...
by rob
Sun May 03, 2015 6:03 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 2870

Re: New I bond rates out - not good news

z3r0c00l wrote:And they could be purchased with credit cards too, no?

Yeah... The only time I have ever got to the top of my 2% cash back credit card limit :D Wish I bought far more in hindsight :(
by rob
Sun May 03, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9220

Re: Will you buy self-driving car?

If only we had a you know poll that could ask that question :D NO - I hate driving automatics already.
by rob
Sat May 02, 2015 10:47 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3565

Re: Polls Disabled

555 wrote:99.9% of forum members who don't care about the lack of polls, won't bother posting in this thread.

and 65.4% of statistics are made up :D
by rob
Sat May 02, 2015 7:51 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1530

Re: Forum is now back ONLINE!

Anyone else get a blank inch or two on both sides (just on the BBH side, not the main page).... Also the bogleheads label on the top is no longer a hot link back to the main page.
by rob
Fri May 01, 2015 10:29 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3565

Re: Polls Disabled

It's a shame... I never took them deadly serious and thought they added value as part of the site. Yeah the results meant little in most cases but you could say that for a lot of our posts as well (especially the +1 nonsense) - people should not be making serious decisions based on anything here but...
by rob
Fri May 01, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Bangkok
Replies: 17
Views: 1193

Re: 2 Days in Bangkok

That's not the song title... it was "One Night in Bangkok" :-) The golden temple is well worth a 1/2 day and easy to get to.
by rob
Fri May 01, 2015 9:42 am
Forum: Investing - Help with Personal Investments
Topic: There's a monster under my bed... [CDs instead of bonds?]
Replies: 30
Views: 3497

Re: There's a monster under my bed...

Who said you have to own bonds instead of CD's? IMO it's perfectly reasonable to use CD in this scenario. I think you should look at iBonds and an option as they MIGHT give you protection on unexpected inflation but you pay a price but otherwise if your happy with stock/CD's and it's keeping up with...
by rob
Thu Apr 30, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: FIA Card Services website
Replies: 18
Views: 1690

Re: FIA Card Services website

Looks like you can set it up online through this link: https://autopay.fiacardservices.com/ I think that is only if you pay a set amount... not the variable full balance. For the full balance they required paper forms, I have had the MC forever but not long ago I setup the amex and it was still pap...
by rob
Thu Apr 30, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: FIA Card Services website
Replies: 18
Views: 1690

Re: FIA Card Services website

I don't like their web site either. I tried to set up automatic full payment for each month but I couldn't find that option. Has anyone been able to do this? Call therm, they mail you some paper to sign and you return... took a couple of months to setup -- Someone more paranoid than me might suspec...
by rob
Thu Apr 30, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3078

Re: The Engineer's Guide to Investing

Here is a big one IMO... It's NOT repeat NOT a science... It cannot be reduced to the double derivative and calculated :D
by rob
Tue Apr 28, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1225

Re: 2 iphones on 1 itunes account experiences?

Single account and many devices... not sure what the issue you see but it causes no issues apart from having to deal with iTunes here.
by rob
Tue Apr 28, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2489

Re: Tax Loss Harvesting: How do you do it in practice?

I assume for people to do this they need to use SpecID in Vanguard funds? I use AvgCost so I haven't seen loses in years. Is TLH moot if you do it that way? You can still do it but obviously specific id will let you grab the most losses since you can point at just the lots that are under water. If ...
by rob
Tue Apr 28, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2489

Re: Tax Loss Harvesting: How do you do it in practice?

Another psychological benefit that I can see is if the investments in your regular investment account go down in value, instead of being disappointed, you can tell yourself "this is great, I can now do some tax loss harvesting!" This cannot be underestimated.... In the 08/09 time-frame th...
by rob
Tue Apr 28, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 3352

Re: lost a bid for questionable practice of seller's agent

It is not clear that the seller's realtor actually received an offer from you before the seller accepted the first offer. Keep in mind that the offer needs to be complete and in writing. So I don't think you know whether there was impropriety here. I don't think that matters.... The offer should ha...
by rob
Mon Apr 27, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidelity taxable brokerage
Replies: 38
Views: 2415

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

For taxable and dealing with tax lots.... Vanguard is a very POOR option. I would ONLY suggest that if you have most of your assets at Vanguard and didn't do specific id of tax lots (average cost is fine @Van). Fido is a clear winner for this type of requirements and given it's a brokerage, your bu...
by rob
Mon Apr 27, 2015 1:52 pm
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 55
Views: 4062

Re: WP: Janitor accumulates $8 million estate

But there is also a cautionary tale about recognizing the value of your finite time here on Earth. Perhaps learning to enjoy life while you can is part of that equation. It really boils my blood when I see this assumption that you must spend spend spend in order to live a good, happy, & fulfill...
by rob
Mon Apr 27, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 3565

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

Not to a phone but I have started travelling with a (droid) tablet + a specialised media devices that can suck in camera cards (images too large to suck into the tablet directly, plus they are not JPG files). For most people, the tablet could suck in JPG's with no real issues (maybe a large secondar...
by rob
Mon Apr 27, 2015 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home. Now what?
Replies: 5
Views: 821

Re: Buying a home. Now what?

You say "down payment" and 275K purchase price... You did not use the 220K to pay for the house outright? Why not?
by rob
Mon Apr 27, 2015 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website (dividend reinvestment)
Replies: 3
Views: 359

Re: Vanguard Website (dividend reinvestment)

You cannot direct dividends into a fund you don't own. You would need to establish a position in the new fund first.
by rob
Mon Apr 27, 2015 7:31 am
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 91
Views: 8523

Re: "How much of your portfolio is in index funds, and why?"

I'm probably 75% index funds - good (IMO) options don't exist for the stuff that is not indexed but it's in the closest thing I could find. I used to invest in Baron Asset fund when I started investing (Hot x funds etc)..... never got to any but the shareholder meetings were legendary; had great per...
by rob
Sun Apr 26, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidelity taxable brokerage
Replies: 38
Views: 2415

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

For taxable and dealing with tax lots.... Vanguard is a very POOR option. I would ONLY suggest that if you have most of your assets at Vanguard and didn't do specific id of tax lots (average cost is fine @Van). Fido is a clear winner for this type of requirements and given it's a brokerage, your buy...
by rob
Sat Apr 25, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 67
Views: 4340

Re: Ethical [Compensation based on sales]

....and this is why it's called "business ethics".... Find another company if it really bothers you; there are enough around that you don't have to compromise that much just to make a living.
by rob
Sat Apr 25, 2015 9:09 pm
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 52
Views: 3315

Re: does anyone have an hour commute (each way?)

Yeah and it goes like this...
- This is okay, I can do this
- Okay so this is getting old
- God can I die in a horrible wreck already
- Brain numb so you don't notice it any-more (the acceptance phase)
by rob
Fri Apr 24, 2015 7:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 129
Views: 9799

Re: Master Thread for Metro Boston's Chapter (MA)

Hey, You guys mind another person in the group? I should be able to make the 30th.
by rob
Fri Apr 24, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Concentrated Bet ... not bad after all ?
Replies: 6
Views: 618

Re: Concentrated Bet ... not bad after all ?

nisiprius wrote:How about Preston Tucker?
Image

He absolutely was in car design.... shame it didn't go so well :?
by rob
Thu Apr 23, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 27
Views: 7233

Re: 2 million dollar mistake meeting with MIL's financial gu

There is a reason a lot of the tall building in any city have insurance company names stamped on them :annoyed
by rob
Thu Apr 23, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 5389

Re: Best (Available)Red Wine for under $15 preferrably under

Give Jacob's Creek - Two Lands Shiraz a go.... runs about $12. The regular one is okay and runs $6 but it's a pizza wine.
by rob
Thu Apr 23, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 9745

Re: Should I apply for manager's job or continue as a techie

Can't comment on your specific situation, but just wanted to pipe up as a techie (software developer) that has passed on all management opportunities during my career (25 years). My reasoning has been simple - I like technology and enjoy building/creating/solving problems. I also don't enjoy managi...
by rob
Thu Apr 23, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 7538

Re: Marriage and splitting expenses

There is an adjustment period..... so start with split accts and have a pool for household expenses (cut it up however you like). Over time you might find split accts annoying - we did quickly but then neither of us had much $$ when we got married and split pools of nothing were worse than a combine...
by rob
Wed Apr 22, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on this allocation/glide path
Replies: 9
Views: 700

Re: Opinions on this allocation/glide path

- I assume your going back up on stock as you expect to not use that $$ - if so that's fine.
- Not sure what you mean by the range... so unless you plan to wake up at 40 and drop 10% stock a glide to get to that alloc by end of the range is reasonable.
by rob
Wed Apr 22, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3538

Re: What age did your Net Worth first equal 10,000x your Wei

Never without starvation, but thanks for the sunny thought :(
by rob
Sun Apr 19, 2015 10:03 pm
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1218

Re: Sad calculation (max IRA contributions)

I think the point is that even someone saving the max in the retirement IRA's for their lifetime may struggle and this is a long way from most people.
by rob
Sun Apr 19, 2015 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 7108

Re: Single best piece of personal finance advice ever receiv

Spend less than you earn
Buy experience not things
by rob
Sat Apr 18, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3258

Re: Can existing employer require new credit report every ye

1. I don't know whether an employment credit check is "best" or not, but I believe (for some positions, at least) a credit report is an indication of whether there may be higher risks to the employer. I can't cite statistics, but it is common that financial institution losses from employe...
by rob
Sat Apr 18, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Township replacing parking meters with kiosks. Is this bad?
Replies: 9
Views: 503

Re: Township replacing parking meters with kiosks. Is this

They are all the rage here and I HATE them - although we are moving from timed free parking. You key in your rego... which is a PITA since I make efforts NOT to memorize crap like. The main issue here is they swapped from 1 or 2 hours max to all day pre paid, so the commuters now block up all parkin...
by rob
Fri Apr 17, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1974

Re: Home stereo system conversion to digital

rob, You can rip your CD into FLAC format. Then, you can get the the full quality of CD. Newer audio receiver and VLC can play that format directly. I rip all my CDs into both formats. Thanks for the info but I did it long ago to MP3 for the vast bulk and don't really want to go back and rip them a...

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