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Re: 2014 Commuter Transit Benefit Raised Retroactively to $2

For those who pay more than $130 a month for their transit but their work doesn't allow post-tax commuter deductions, you might be out of luck like you were in 2012. Lobby your benefits department to fix this, so they don't cause you to lose potentially hundreds of dollars in additional tax savings...
by rob
Sun Dec 21, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Commuter Transit Benefit Raised Retroactively to $250
Replies: 2
Views: 177

Re: Laptop as a hard drive

It's a very common thing... I would suggest that you look at a model with a dock port in the bottom.... It's FAR easier to switch when stuff is all connected to the dock and you push the laptop on the doc and disconnect when you want.
by rob
Sun Dec 21, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Laptop as a hard drive [Laptop as a desktop]
Replies: 11
Views: 253

Re: Regulatory guidance - occupation information requirement

While it is always possible that an institution may be looking for marketing/sales opportunities, what is being described, IMO, is to comply with anti-money laundering, anti-terrorist, etc. kinds of issues. I have to do that to stay out of trouble with the regulators. The fact or opinion that some ...
by rob
Sat Dec 20, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 26
Views: 2057

Re: Gaming PC for son, buy or build?

I built one with my son that age last year.... It was well worth the build part for the experience NOT to save money... although maybe I saved a small amount not counting the time I invested in checking all the pieces out :-) pcpartspicker.com is a great resource.....
by rob
Fri Dec 19, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 42
Views: 1903

Re: Josh Brown on Vanguard

I'm about 30% so I have felt the drag in recent years, but I'm stubborn--it took years of saving just to get to the point where it made sense to diversify abroad. I'm not bailing out unless Vanguard and Fidelity close their intl funds for lack of interest--an unlikely occurrence, one would think. :...
by rob
Thu Dec 18, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Josh Brown on Vanguard
Replies: 6
Views: 1387

Re: myRA up and running, but worth it?

[Thread merged, see below. --admin LadyGeek] I just don't see the point of this (outside of politics).... regular/roth IRA's can easily be opened for 1K or I think even regular deposits below that amount.... and this is so obscure and limited that I cannot imagine anyone that MIGHT have a use for i...
by rob
Thu Dec 18, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1907

Re: Regulatory guidance - occupation information requirement

Let's say I was laundering money obtained from a host of illegal gangstering activities. How does answering this goofball question get me closer to having a bunch of Feds banging down my door? Or do you think maybe the roughly $300,000 a month in pure cash that I push through this bank could be the...
by rob
Wed Dec 17, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 26
Views: 2057

Re: Curious- how much do Vanguard executives earn?

They are making more for the owners in total (includes a number of Bogleheads posting here) than they are paid. That's true for the bulk of employees depending what you measure.... but I also assume it's very likely somewhat close to that same type of work in that same geographic area. I do wish th...
by rob
Wed Dec 17, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Curious- how much do Vanguard executives earn?
Replies: 4
Views: 1572

Re: Could it be worth using Roth even in a high tax bracket?

I have been building up the Roth component for year because of what you say...... I think there is some benefit & future flexibility to some roth, some pre-tax and some taxable. That way I'm guaranteed to get some in the worst place :D but point is I won't be 100% in the wrong location either.
by rob
Tue Dec 16, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Could it be worth using Roth even in a high tax bracket?
Replies: 37
Views: 2358

Re: Camcorder vs. iPhone vs. DSLR Camera

I do have a couple of hundred photos loaded to a digital photo frame in my office but mostly they are just stored on our computers for what future purpose I don't know. I print the better ones and put them in a leather album for each of the kids.... Obviously I also have the digital version and dig...
by rob
Tue Dec 16, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 39
Views: 1962

Re: WHY is retirement enjoyable / something to look forward

[i]"I am the unwilling, led by the unqualified, doing the impossible, for the ungrateful." I have read this gem a few times and unfortunately.... it rings true right now. I'm not sure it's age (at least for me in an IT world) but rather a little like that groundhog movie..... More and mor...
by rob
Tue Dec 16, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 8623

Re: Camcorder vs. iPhone vs. DSLR Camera

What effort do you want to put in and for what purpose... Posting snaps to facebook - iphone for sure Taking some video of the kids - camcorder Getting that single picture of your kid to put on the wall - for me that's a dslr layup but some people don't see the quality difference.... and that's fine...
by rob
Tue Dec 16, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 39
Views: 1962

Re: Inovative way to maximize company 401K match.

CurteousOne wrote:Would you shift money away from kids college saving into this 401K match?

Yes
by rob
Mon Dec 15, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inovative way to maximize company 401K match.
Replies: 13
Views: 1740

Re: Foreign tax credit if I sell?

Vanguard releases the percentage of foreign tax per fund as part of the year end info..... It's unlikely they will tell you before that info is released. As for waiting on dist.... search other conversations here about "buying the dividend" - You want to avoid owning the fund on the record...
by rob
Mon Dec 15, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign tax credit if I sell?
Replies: 14
Views: 1360

Re: What are your 2015 Financial Goals?

VictoriaF wrote:My financial goal for 2015 is to spend more than ever on travel and entertainment.

lol Now there is a unusual boglehead response.... must be something about the newly minted done with working crowd I hope to join one day 8-)
by rob
Mon Dec 15, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 88
Views: 5958

Re: What are your 2015 Financial Goals?

The main things I have been working on the last few months - but count as goals for 2015 :D - Building up more of a cash buffer to deal with upcoming redundancy - Get better handle on expenses... working out a fixed vs discretionary spending and what can be chopped - Set bills on auto-pilot... swapp...
by rob
Mon Dec 15, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 88
Views: 5958

Re: Odds of portfolio survival = 90%; odds of my survival =

That's statistically true, however on the news this morning there was a clip of a guy 104 years old running a 100 meter dash in under 20 seconds. I'm pretty sure he knows the difference between cat food and Amaretti del Chiostro. Not sure I want to spend 20 years of my life in the cat food aisle, a...
by rob
Mon Dec 15, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9680

Re: How to best use upcoming windfall?

We found that with a long mortgage and with the effects of inflation, payments in later years were like taking loose change from back pocket. Yeah but interest charges are front loaded in a mortgage... later years are mostly principle. Not disagreeing that you can come out ahead... but in the end i...
by rob
Mon Dec 15, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to best use upcoming windfall?
Replies: 9
Views: 1306

Re: Seeking advice for NYC family trip.

Always check the hotel kick-backs... er... recommended parking lots. Last time it was $30/day and we parked in front of the hotel and I called down 30 ahead to have it brought to the front when we left (I HATE not parking myself but NYC is one of those places ya just gota do it sometimes). I was sho...
by rob
Mon Dec 15, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Seeking advice for NYC family trip.
Replies: 6
Views: 335

Re: 100% equities - my reasoning

As someone who was way way into QQQ in 1999 and had only heard of bonds in passing..... Best think about 100% equity very carefully :shock:
by rob
Mon Dec 15, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5919

Re: Should I buy house with a crack?

Don't guess... pay a structural engeneer to make a determination.
by rob
Mon Dec 15, 2014 12:12 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3203

Re: At what age did you find dream job?

Unfortunatly my best project was a couple of years out of uni and has gone down hill since.... I think it's mostly the industry but it was also the set of people and the time - a special project for all of us.
by rob
Sat Dec 13, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2693

Re: Asset placement for someone retiring early

Agree with Paul... not sure with so much in taxable you would want to start SEPP withdrawals on the smaller tax deferred... plus it's harder to get right for long periods of time. I think your going to have to have taxable bonds just due to the relative size of the split (although depends on your al...
by rob
Fri Dec 12, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset placement for someone retiring early
Replies: 4
Views: 796

Re: How can I slice & dice like Swedroe, Ferri, etc w/ littl

If I were doing it from scratch with a slice-n-dice... I would do this (after you have a fully though out plan) :- - Start with the US large cap and short-term bonds only. - As you get more $$ add the US small cap portions (in proportion to your plan with the rest). - Then add non US / emerging mark...
by rob
Fri Dec 12, 2014 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I slice & dice like Swedroe, Ferri, etc w/ little $$
Replies: 50
Views: 3472

Re: Considering more conservative allocation

While I agree with the concept Taylor mentions of not playing once you've won the game.... I think your a bit away from "won". You're in great shape but still another 15 years or so if things go to plan.... life has a way of getting in the way of plans :-) I would suggest a tapering from w...
by rob
Fri Dec 12, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering more conservative allocation
Replies: 22
Views: 1334

Re: I need to accumulate $30k over the next 2 years, how?

In addition to saving... is there any ability to get a different job so the healthcare insurance will cover more than your current one? I expect anything medical related will be more expensive than today. Is it something that could be done outside the US with any reliability and less dollars? Is the...
by rob
Mon Dec 08, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4035

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I see the problem with international investing as one where the lack of transparency and rule of law interfere with the ability to participate in many of the markets outside the US with any degree of comfort. China for example is the largest economy in the world now, yet investing in China is a ver...
by rob
Sat Dec 06, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11465

Re: Advice for lock-boxing inheritance for 20 years

Lots of discussion about trusts but seems that were talking about 250K here.... fees for that level of assets are going to be an issue and you would be stuck with a family member or a bank/suit that will charge huge fees. I just don't see it as workable for a small amt of dollars when split among a ...
by rob
Fri Dec 05, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for lock-boxing inheritance for 20 years
Replies: 45
Views: 3649

Re: Vanguard calls for boardrooms shake-up

If that were really true... Vanguard would vote again mgt more - especially on CEO/Officer compensation topics..... BTW, if Vanguard is supposedly owned by their investors how come there isn't one of these at Vanguard? Did my invite get lost in the mail?? Cannot agree more.... Last I looked Vanguard...
by rob
Fri Dec 05, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard calls for boardrooms shake-up
Replies: 15
Views: 1488

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I'm afraid of bonds because interest rates are low and bonds drop when interest rates rise. I'm almost 100% stocks. I'm not sure use 100% stocks because of a fear about potential losses in bonds is a great plan.... This is an old topic and now that non-US has lost recently (mostly to the dollar val...
by rob
Fri Dec 05, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11465

Re: Someone tried to login to my vanguard account yesterday

Meh... happens at least 4 times a year to me (got the usual letter earlier in the week as I expect it around quarter end)... Vanguard refuses to fix the issue even though they can see what's happening (talked to their x level support not just phone reps)... it's another customer who cannot remember ...
by rob
Fri Dec 05, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 29
Views: 2971

Re: login security questions, using false answers

Still haven't figured out something that would work *easily* (that is, some "rule" we could actually remember!), given the need to change to never-used passwords every so often. My comments were to "security questions" not passwords..... that makes it hard..... How about letter+...
by rob
Thu Dec 04, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1041

Re: login security questions, using false answers

I have tried made up answers and they are too much a PITA because when you need to answer it's usually away from home or whatever - I guess I would make a bad spy because I forget my lies 8-) ..... So I use a method with the real answer plus some text (different text for different companies).... So ...
by rob
Thu Dec 04, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1041

Re: Fly or drive? Not just time vs. money anymore

I'm a driver that loves flying but detests whatever it's called now in US airports..... In fact I have several words that all violate the terms of posting here :twisted: #2 & #3 on your list I would not consider..... but if you're not doing #1, do NOT do stop-overs.... I have wasted more time at...
by rob
Thu Dec 04, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4572

Re: Should I invest in smaller amounts?

Some people like the even spread but I do similarly to what you do.... contribute what I can during the year at random times then fill it up early the next year (I get bonus payments for previous years in Jan, so it's just a way to manage the cash flow). Think of it this way.... If you invest the fu...
by rob
Wed Dec 03, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I invest in smaller amounts?
Replies: 10
Views: 917

Re: What to do with $80K - Over 70 y/o

I got nothing much... CD's are the obvious but you would have to go longer.... probably 5 years to get close to 2-3%. Just ensure you can break them and forfeit some interest if you go that path. Maybe ladder them a bit so you have part of the 80K renewing each year.
by rob
Wed Dec 03, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $80K - Over 70 y/o
Replies: 6
Views: 1014

Re: Capital Gains

Would you please elaborate on this. I'm certainly not Andy but you can gift the shares in kind to some charities and deduct the value of the shares without selling and getting hit with the cap gains.... The charity in turn can sell without paying the tax in most cases. It's one of the very few win/...
by rob
Wed Dec 03, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Capital Gains
Replies: 8
Views: 583

Re:

That doesn't explain how they found me in Belgium. I had a US address that I gave to the USPS. I gave my Brussels address only to specific entities (like VG). Still, the universities tracked me there and back. Take a look at data that companies like Acxiom / Experian have for sale... it's truly dis...
by rob
Wed Dec 03, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16562

Re: What % of your fixed-income is TIPs?

I'm still in accumulation so did 1/3 in Inflation bonds (a lot in IBonds of days gone - I regret not loading up more based on comments from Mel and Taylor but it is what it is - but also in the TIPS fund).... another 1/3 in short and 1/3 in intermediate. I will probably increase the short and Inflat...
by rob
Wed Dec 03, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3503

Re: Why is Dave Ramsey wrong?

You might be thinking about his advice on which debt to pay off first--he favors prioritizing debts by size (smallest first) rather than interest rate (highest first). In other words, while those two loans you mention aren't the same, the rate you're paying on them would not factor into which one y...
by rob
Tue Dec 02, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9985

Re: Best market solution for a large car/SUV for roadtrips?

If I were to do what I think your after, I would re-purpose a minivan :shock: Hear me out here before you laugh too much.... The Honda van I have 2005 model (not sure about new ones) lets you pull out the middle row seats and fold completely flat the last row - enough to sleep in a pinch. Both sides...
by rob
Tue Dec 02, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1489

Re: tipping rubbish pickup people and letter carriers

My father always left a couple of full six-packs on the top of the bin at xmas for the garbo.... It was never refused :D
by rob
Tue Dec 02, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3681

Re: I need to stop looking at the market everyday!

There is a number of free software tools that will block access to the web for certain time periods (or specific sites but too many to block) :D
by rob
Tue Dec 02, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 33
Views: 2921

Re: Fidelity's retirement savings guideline-Only need 8x sal

"Guarantee" as in the sentence "In order to guarantee a safe retirement" - That word has a meaning... Backed by the Johnson's? In writing? Where do I sign up? Then it's used with that subjective weasel word "safe". I love marketing speak and the chasm of that to real wo...
by rob
Mon Dec 01, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5098

Re: Am I a job hopper?

I didn't vote because spent 15 years doing 3-6 month contracts :D If this is a management job, then your might be getting close in the last couple but otherwise should be fine IMO.
by rob
Sat Nov 29, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a job hopper?
Replies: 50
Views: 4586

Re: TV buying recommendations

I recently swapped a 42" plasma for a large LED.... and have NOT been happy with the picture (It's a sharp that I bought because it will play 4K over hdmi but is still only 1080 - or 2160 is you believe the marketing stuff which I dont). Great features but lousy black contrast...... took a lot ...
by rob
Sat Nov 29, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3030

Re: Can you contribute to next year's (2015) Roth IRA now?

Have to wait until 1 Jan - there was a recent conversation that MIGHT show how you can do a couple of days earlier but easier to wait until Jan 3rd or whatever the first trading day is for 2015.
by rob
Fri Nov 28, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you contribute to next year's (2015) Roth IRA now?
Replies: 2
Views: 649

Re: Investing books 30% off @ Amazon

Works on pre-orders as well
by rob
Thu Nov 27, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Investing books 30% off @ Amazon
Replies: 11
Views: 2981

Re: When do you feel comfortable financially to have kids?

toto238 wrote:But surely the decision to have kids isn't made completely independent of finances.

It was for us and I think it has to be...... They don't make any financial sense :shock:
by rob
Wed Nov 26, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4338

Re: When do you feel comfortable financially to have kids?

None - It was and is not a financial decision, although it has large financial impacts.
by rob
Wed Nov 26, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4338
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