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Re: Elect 75% of take-home pay to 401k?

If your parents don't mind and it doesn't bother you, I would at least stay there a couple of years and build yourself a nice nest egg. I can't speak for your situation but I might offer my parents a modest rent to show my appreciation. Agree - on the road all week makes little sense to get a place...
by rob
Thu Mar 05, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1363

Re: Vanguard "skip auto xfer" feature not working?

Agree it's a PITA but don't let the poor Vanguard site tail wag the dog.... I would have done the trade anyway and deal with the small partial wash.... Now you have to decide if it still makes sense given how much of the loss has been eroded.
by rob
Thu Mar 05, 2015 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard "skip auto xfer" feature not working?
Replies: 7
Views: 522

Re: What is your credit score?

Me thinks this is the wrong crowd to have a large band near the top of the range.... might need some finer bands :D

Last time I did a refi it was 810... and spouse was a few points higher. It's always the people who don't need credit that can get it.
by rob
Wed Mar 04, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 54
Views: 2830

Re: Arguing Dental Bill

Really? You as the Pt think it's "impossible" to get the info and besides you have a full time job, yet the dentist or health care provider with the full time job is supposed to know all that info for ALL their Pts? Sorry I disagree. As a patient (also with a full time job) I only have on...
by rob
Wed Mar 04, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2185

Re: What would YOU want from a financial advisor?

"If you know how to pick an advisor, you don’t need one." (from the Bogleheads 9 Q&A panel) This is the big rub.... There is no real standard in the industry (deliberately IMO), there is no way other than sheer luck. Best you can suggest is a fee ONLY adviser but there are some that s...
by rob
Wed Mar 04, 2015 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would YOU want from a financial advisor?
Replies: 12
Views: 942

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. Yeah that's nice but have a full time job already and trying to get tha...
by rob
Wed Mar 04, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2185

Re: Discover issuing cards with chips

Yawn... Most of my cards have a chip but it's still not pin based...... Hopefully in a few years the US banks will get into the current century :-/
by rob
Wed Mar 04, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Discover issuing cards with chips
Replies: 1
Views: 279

Re: Poll: Increasing international equities

Sticking to allocation which has not changed in ratio in almost 2 decades and far higher than the "up to 20%" thing BUT if I was timing then a sign that lots of people are moving to non US would lead me to move the opposite way :D Thanks for the comment. What do you mean by the "up t...
by rob
Tue Mar 03, 2015 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 56
Views: 3058

Re: Poll: Increasing international equities

Sticking to allocation which has not changed in ratio in almost 2 decades and far higher than the "up to 20%" thing BUT if I was timing then a sign that lots of people are moving to non US would lead me to move the opposite way :D
by rob
Tue Mar 03, 2015 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 56
Views: 3058

Re: Possible to do solo financial planning while married?

saladdin wrote:I would drop it and slowly back away. There is NO good that will come from this. You are not only poking the bear you are poking it with a knife.

I have to agree... there is FAR more at play from what you describe than money.
by rob
Tue Mar 03, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible to do solo financial planning while married?
Replies: 14
Views: 1291

Re: Paris France help/suggestions for women

Exhausting! I agree with @2stepsbehind: do you do this in New York or Los Angeles? It's just as well you travel with a valet to help you get ready in the morning. I think it depends... I've never had issues in NYC BUT If I played tourist (maps, cameras, lost expressions, looking at the buildings an...
by rob
Tue Mar 03, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 1486

Re: Contacted by Internal Revenue Services

I haven't got the one from the IRS, but Microsoft keeps calling saying my computer is giving off error messages, and that I need to download something to 'fix' it. I told them that I wasn't interested in their scam and they said they would come to my house and kill me... Not very friendly of them. ...
by rob
Mon Mar 02, 2015 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Contacted by Internal Revenue Services [Scam]
Replies: 18
Views: 1270

Re: Nasdaq Record High....

Of course, I would have rather learned from someone else's mistakes. I would have preferred 3rd hand as well but no doubt it would not be as crystal clear as it is for me now..... I love that anti-motivation poster with a picture of a sinking ship tagged with... Sometimes your life is just meant as...
by rob
Mon Mar 02, 2015 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1858

Re: Where to go on my sabbatical?

I am currently planning my sabbatical for the spring of 2016. The purpose of this sabbatical is two-fold: 1) Conduct research for a book on theological ethics 2) Experience a foreign culture with my family <> Right now I am leaning either toward Barbados or India. Given these two parts of your summ...
by rob
Mon Mar 02, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Where to go on my sabbatical?
Replies: 11
Views: 778

Re: Roth IRA Max Contribution (Married)

You can do 2x5500 (or if either are 50 this year 6500) - assuming you are not earning over the limit or in the reduced contrib band.
by rob
Sun Mar 01, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Max Contribution (Married)
Replies: 4
Views: 359

Re: How long will I l live? (mortality predictor)

I live 4 years LESS in the US than where I was born.... I guess I have to move in 2050 :-)
by rob
Sat Feb 28, 2015 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 17
Views: 2021

Re: Wife doesn't want to retire - I do

Is it possible for her to work longer hours weekly but have more time off (say 2 months a year)? Use that to do longer vacations or whatever you both enjoy.... sort of easing her into retirement. How about her still working but cutting back on hours? Is there any chance you could do something part t...
by rob
Sat Feb 28, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 5738

Re: Turbotax 2014: Buyer Beware

Why are people still willing to put up with this company? They have been pretty clear what they think about their "customers" :shock:
by rob
Fri Feb 27, 2015 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 68
Views: 6428

Re: Car Accident in Front Yard

I would think about investing in some big a** landscape rocks for the front so the next one does not HIT your house :shock:
by rob
Fri Feb 27, 2015 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2297

Re: International is disappointing

I'm disappointed when the various pieces of my portfolio (grandiose name hey) flow in the same direction.... big believer that I should be concerned about some pieces and scared about a piece or two otherwise it's not good :D
by rob
Fri Feb 27, 2015 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4490

Re: What would you do?

I just cannot fathom those nbrs and wonder why you're considering working at all... but 2 days on / 5 off for a couple of years seems an easy call.
by rob
Thu Feb 26, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you do?
Replies: 7
Views: 759

Re: Fidelity Premium

I'm looking for the 2 factor token, for increased security. Did you see the very poor mans 2 factor Vanguard offers? I know it's not a token or a virtual token app. I rarely call a person but when I do (beer commercial? :-) ) Fido is far better than the general Van nbr but the upgraded Vanguard rep...
by rob
Thu Feb 26, 2015 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1709

Re: Google likes this site

In order to eliminate all the possible ways Google might customize my search results, I decided to repeat the experiment using a freshly installed Tor browser in a linux virtual machine. A Google search on investment forum did indeed yield Bogleheads as the top result, excluding advertisements and ...
by rob
Thu Feb 26, 2015 4:06 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1082

Re: Google likes this site

Just tried IP proxy ,same results. :happy You mean the entire search results from any search... or just this forum been on the top of a specific search around finance boards? I believe the last easily but not the first..... Google [seems to be a verb now days] :-) google searching and how they stor...
by rob
Thu Feb 26, 2015 4:04 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1082

Re: Google likes this site

google knows where you've been on the internet and its search results reflect that. True, but try it in an incognito / private browsing window, or log out of your Google account and clear all cookies. Bogleheads forum is still #1 . +1 Exactly :thumbsup They cache info not just at the browser level....
by rob
Thu Feb 26, 2015 3:31 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1082

Re: Raise was only 2.44%?

In times like this, low inflation and all, the best way to handle employment issues like this is to get a PROMOTION to a more responsible position, either in the same company or a different one... Within company - Last one of them "promotions" for me came with ZERO dollars.... That's not ...
by rob
Thu Feb 26, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4558

Re: Nasdaq Record High....

I refuse to discuss my role in the late 90's investing on the grounds it will make me look STUPID :shock: :oops:

You're not the only person to have....er... considerable capital losses for years after that :(
by rob
Wed Feb 25, 2015 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1858

Re: Tax Quiz

Didn't know gender reassignment was deductible :shock: I guess I know something new today :-)
by rob
Wed Feb 25, 2015 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1319

Re: New or Used Honda Odyssey

Comes down to the 25% discount vs. the risk of a 3 year old/40K mile car....... The odyssey we have is 10 years old and been good not great for reliability (drive-train has been great but the pieces less so... crap those electric slide door are expensive when they fail). In this scenario MYSELF, I w...
by rob
Wed Feb 25, 2015 11:56 am
 
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 20
Views: 1023

Re: Can someone please help me with this investment thing!

Save 25%, 30%, 40%. Saving 5 or 10% won't get it done. This board has a lot of super savers so don't let this put you off doing something sensible... for regular people it's still doable without saving 1/2 your take home income. You probably have some social security, maybe some pensions etc. to he...
by rob
Wed Feb 25, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Can someone please help me with this investment thing!
Replies: 17
Views: 1189

Re: Recommend a quality (and reasonably priced) knife set

Good knives are worth the money....Zwilling JA Henckels Four Star. Spring for the bit extra :-)

http://www.amazon.com/dp/B002DUDJ58/ref ... 17TFW02YID (link is to an unavailable item deliberatly).
by rob
Tue Feb 24, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2433

Re: Morgan Stanley data breach

This is pretty out of control generally but that's some serious data despite the back-peddeling words.... What can you do apart from a credit freeze and crossing your fingers.
by rob
Tue Feb 24, 2015 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley data breach
Replies: 1
Views: 237

Re: How much did you have saved up for retirement at age 30?

CrowTRobot wrote:Whatever loose change was in my car's ashtray.

Yeah same here.... although I did have a money jar for loose change in the kitchen so MIGHT have been able to double the ash tray balance. Hey, is that what we call diversification? 8-)
by rob
Tue Feb 24, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12274

Re: What age do you guys plan to retire?

Hoping to be done in the next decade....... between 55 and 60.
by rob
Sun Feb 22, 2015 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8591

Re: No Vanguard Admiral Funds; go with Fidelity for 50+ Year

Yeah strange one isn't it. If your happy to go Fido I would do that..... given it's tax deferred, you can always switch IF the Fido index fees go up. The other option would be to buy the ETF's - depending on what funds you mean and whether you can have a brokerage window.
by rob
Sat Feb 21, 2015 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: No Vanguard Admiral Funds; go with Fidelity for 50+ Years?
Replies: 29
Views: 1996

Re: Company just announced an ESPP

The discount is more than 15% since you have either the current price or the lookback price..... I always used these in the past with similar paramaters. Just keep selling at the end so you don't build up too much in company stock. I would only skip if your 401K match is in company stock or you alre...
by rob
Sat Feb 21, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Company just announced an ESPP
Replies: 8
Views: 565

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

After reading how the NSA has inserted code into the firmware of a number of hard drives, and probably can put stuff in the BIOS, should one trust any computer coming out of China or Russia? You shouldn't trust any of them. Given the choice of who to give away your privacy to at the hardware level,...
by rob
Thu Feb 19, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4721

Re: Not clearing snow from driveway

larryinnewyork wrote:I AM THE WINNER in the battle between me and Winter.

As someone in the north-east..... I give already... I accept defeat and humbly submit... Can we have less snow already please :-)

I clear it since with a medium slope to the front door.... it's potentially fatal otherwise with the ice.
by rob
Tue Feb 17, 2015 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5821

Re: What 3 MATERIAL things would you take with you?

Personal items you say....

* NAS box with copies of everything
* Camera & some lenses
* MP3 player
by rob
Mon Feb 16, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1253

Re: Best Men's Winter Pants

I have been wearing LL Bean flannel lined pants and jeans this winter in Boston. My typical morning commute involves a 12 minute walk from bus stop to office at 6.30 am. Is that enough of a recommendation? Same place... same jeans... Works great, although got an old guy look to them vs my regular j...
by rob
Sat Feb 14, 2015 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1561

Re: Tenants won't let us show the rental: what do we do?

Does the contract allow? If yes then point that out and then evict if they refuse to honour the contract otherwise find out the state laws (default since not in contract) then do what you need. I would NOT offer any type of discount and would get them out no matter the answer at the earlies chance....
by rob
Sat Feb 14, 2015 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 6952

Re: Costco/AmEx relationship ending. New Costco MasterCard?

FIA amex = 2%, FIA mastercard = 2% (no longer available for new apps)...... Makes little difference to me.
by rob
Fri Feb 13, 2015 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15289

Re: Lending money to family - I can't say no

I don't think much of your suggestions:-

1 - This is just a revenue stream for them.
2 - You already said this failed.
3 - How about the one going to college taking loans and pay like everyone else.
by rob
Sat Feb 07, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family - I can't say no
Replies: 82
Views: 5735

Re: Paperless Office?

- Sign up for edelivery to stop the bleeding.... sometimes doing that will get you electronic copied of past cred card stmts etc. Download those and junk the paper equal. - Download and use cute pdf or similar so you can print directly to a .pdf format and start doing that for stuff you used to prin...
by rob
Fri Feb 06, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3150

Re: Looking for a DSLR that will allow me to get fairly seri

I am looking to do travel photography, landscapes, wildlife and of course people and my pets. Probably. at least initially, sports and action will be limited to trying some interesting things with my golf buddies. Hopefully going to do lots of prints 16x20 or larger. - Travel & wildlife suggest...
by rob
Thu Feb 05, 2015 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6316

Re: Looking for a DSLR that will allow me to get fairly seri

- Forget about specific cameras... pick the system that works for you. - Start small.... mid level body with a couple of decent lenses, maybe flash, maybe tripod (depending what you want to do). - Glass is far more important that the body. - Go take some pics and work out what you like and don't abo...
by rob
Wed Feb 04, 2015 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6316

Re: Met a Vanguard basher TransAmerica Insurance pusher

I think he is talking about deferred annuities... great products... for the saleman. Never be surprised when someones income is dependant on them not understanding :D
by rob
Mon Feb 02, 2015 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4660

Re: POLL: How Will You Complete Your 2014 Taxes?

wow... It's amazing 40% of people here are using TT... I guess a company can do watever it wants to "customers" (multiple times) with little blow-back. Thanks to Vanguard's discounts, I can still file my taxes with TurboTax for less than I'd pay for H&R Block or TaxAct. If this ever c...
by rob
Sun Feb 01, 2015 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4768
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