Search found 2150 matches

by rob
Sat Aug 01, 2015 10:58 pm
Forum: Investing - Theory, News & General
Topic: How much of HELOC should I get assuming responsible use?
Replies: 2
Views: 221

Re: How much of HELOC should I get assuming responsible use?

Most people can only claim 100K of a HELOC on tax.... So unless you really think you might need more that seems to be a decent starting point.
by rob
Sun Jul 26, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 50
Views: 3842

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

sport wrote:We are advised to "stay the course". Apparently this does not apply to Vanguard. :x

Yeah that's just marking stuff to get customers... not something they believe (maybe in the past but not now)
by rob
Sun Jul 26, 2015 7:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 50
Views: 3842

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

I regret buying into the TM international fund which became the dev mkt index even more now..... I really wish Vanguard would stop the style drift on this thing!
by rob
Sun Jul 26, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 833

Re: Hourly W2 - Any Retirement Options?

I might take a position that provides no retirement benefits (or any other benefits) but is technically paid hourly via W2 (not 1099 as I'm used to). Is there any retirement options available - apart from a Roth IRA? Since you have no retirement benefits, you can contribute to a Traditional IRA reg...
by rob
Sun Jul 26, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Deductions with partial year 401k available....
Replies: 3
Views: 251

IRA Deductions with partial year 401k available....

Let's assume we earn < 183K...... From my reading I could deduct the IRA contribution IF myself and spouse does not have access to a retirement plan (401K etc) at work.

What is the impact if 1/2 of the year I did (and contributed) and the rest of the year I don't?
by rob
Sat Jul 25, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 833

Hourly W2 - Any Retirement Options?

I might take a position that provides no retirement benefits (or any other benefits) but is technically paid hourly via W2 (not 1099 as I'm used to).

Is there any retirement options available - apart from a Roth IRA?
by rob
Sat Jul 18, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: After Vanguard Retirement Date Fund, What else?
Replies: 3
Views: 400

Re: After Vanguard Retirement Date Fund, What else?

Presuming your managing debt, saving enough, understand the "risk" you need to take etc. Nothing - go find a hobby and live life. Investing does not have to be complex. There are lots of things you can do to provide smaller and smaller benefits and this board spends a lot of collectve time...
by rob
Sat Jul 18, 2015 7:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4942

Re: Recommendations for gas grill

We got a cheap (not your criteria I know) char-broil with the indirect flame thing... so flame heats a metal curved plate which is under the grill. Very pleased with it and it's as simple as they come.
by rob
Fri Jul 17, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4526

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Do it like packing for a trip...

- Make a list
- Tear it in half
- Then pack half of what's left

Babies need VERY little.....
by rob
Thu Jul 02, 2015 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10088

Re: financial adviser told me not to invest too much in 401k

So where does she want you to put it? Have her invested so she can collect AUM fees? Ding ding ding - I think we have a winner :oops: As above tax rates have gone down over recent time in the US - that says nothing about the future. IMO you should have a mix (pre-tax, post-tax and tax-pre-paid) for...
by rob
Wed Jul 01, 2015 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Yea or Nay [reasonable asset allocation]
Replies: 4
Views: 422

Re: Yea or Nay [reasonable asset allocation]

Agree looks okay but keep in mind I'm not a total market guy :happy
by rob
Mon Jun 29, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3706

Re: What happens when Admiral Shares drop below $50K?

Noobvestor wrote:Not to hijack, but has anyone had trouble with their money market going below the 3K minimum?

I've had less than that for years and not a peep..... not sure if that's just luck (which I just broke :) ) or if MM funds are different.
by rob
Mon Jun 29, 2015 10:12 pm
Forum: Investing - Theory, News & General
Topic: Why not Vanguard tax managed mutual funds ?
Replies: 13
Views: 2429

Re: Why not Vanguard tax managed mutual funds ?

If an ETF changes its index, you are still locked in by the same tax issues. Developed Markets, Europe, Pacific, and Emerging Markets Indexes are changing to include small-caps, both in their mutual fund and ETF classes. Agreed but it's all about the probability of investing in a vehicle that will ...
by rob
Mon Jun 29, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: Why not Vanguard tax managed mutual funds ?
Replies: 13
Views: 2429

Re: Why not Vanguard tax managed mutual funds ?

Because Vanguard does NOT believe in long term investing and will change these funds over time as it sees fit - as a former long-term investor in the now dead TM International (it was changed into a regular index fund). I cannot suggest strongly enough to use ETF's in taxable accounts, so your not l...
by rob
Sun Jun 28, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: MS money plus and Win 8.1
Replies: 8
Views: 711

Re: MS money plus and Win 8.1

I still run Money 2002 on win 8.1 - I don't know about money sunset.
by rob
Wed Jun 17, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Life claim denied
Replies: 40
Views: 4078

Re: Dependent Life claim denied

I spoke with relative who works in HR, she said contact my HR and get them involved. I'm really sorry for your loss and having to deal with this nonsense.... However - HR is NOT there to protect the employee, so be wary of involving them. I agree with the comments above to file a complaint if they ...
by rob
Tue Jun 16, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 7849

Re: Not Buying a Home Could Cost You

Grass is always greener - I wish I could go back in time and NOT buy a house. When I rented and something went wrong, I called the management company and it was solved... far cry from owning a money pit :shock:
by rob
Tue Jun 16, 2015 12:18 am
Forum: Personal Consumer Issues
Topic: Netflix Ads?
Replies: 10
Views: 1490

Re: Netflix Ads?

All the same to me...... Ads = promos = advertising = push suggestions...... I made my view pretty clear.

You can stop them right now by un-checking the "Test Participation" option in your account.
by rob
Mon Jun 15, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee (HCE)
Replies: 14
Views: 2196

Re: Highly Compensated Employee (HCE)

Yeah it's lousy... a small pay rise cut my 401k contributions to 10%.... and as you say costs far more in tax. The sad thing is that in my company, a really highly paid employee can still max out the IRS limit with 10% as there is no other cap - it's like a floating limit in the middle that goes awa...
by rob
Thu Jun 11, 2015 9:57 pm
Forum: Personal Consumer Issues
Topic: Netflix Ads?
Replies: 10
Views: 1490

Netflix Ads?

Anyone else starting to get netflix ads? They happen before the show I want to watch and seem to be limited to their other shows (you can bypass with a few clicks)..... but it's a bad direction. Curious if it's just a trial thing or more wide spread.....
by rob
Mon Jun 08, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any merchants that accept only Amex?
Replies: 25
Views: 2398

Re: Are there any merchants that accept only Amex?

There are a a lot of small business and restaurants in NYC that only accept AMEX or cash. Very odd I thought. But the only thing I can think of is maybe AMEX gives them a small business break if they only accept their card. Does anyone remember Diners Club and Carte Blanch cards? As I recall (I nev...
by rob
Sun Jun 07, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6640

Re: What Percent Of Your Annual Expenses Are Property Taxes?

The pct will fluctuate too much with expenses.... I pay @11K in local RE taxes in the NE..... It's not pretty :shock:
by rob
Fri Jun 05, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Stonehenge 4-Sale. Best Offer.
Replies: 6
Views: 1194

Re: Stonehenge 4-Sale. Best Offer.

Maybe the owner could get closer than 80 feet [without having to dress up for the couple of times a year it's actually open] :oops: ..... You used to have a better view from the road until they raised the height of the fence. It's on my list of over-hyped tourist traps - and I've been there a couple...
by rob
Fri Jun 05, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any BH know about whole house Dehumidifier?
Replies: 25
Views: 1276

Re: Any BH know about whole house Dehumidifier?

I bought a serious one @ 2 years ago and it's made a HUGE difference. We had rock ledge everywhere and the moisture was causing a lot of issues.... put plastic over the rock, concreted some of the dirt and ran a really efficient dehumid (@110pints). Caused a bit of an uptick in electric but well wor...
by rob
Thu Jun 04, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 9725

Re: Big Decision to Make

I would do it based on what you say (I almost took a contract in UAE myself a long time ago). The compounds allow for a better (not perfect) lifestyle. The extra salary could buy some extra time off out of the country. Given your saying this is a golden chance to be set for life... why not?
by rob
Wed Jun 03, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 192
Views: 16463

Re: Free Windows 10 Upgrade, Yes or No?

But don't plan to move from a reasonably well functioning setup to an unknown entity without more clarification on some issues, and even then I may stay with Win7. I don't see any urgent reason to jump. Agree.... If your happy today I would wait... but if like me you hate where you are it might be ...
by rob
Wed Jun 03, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 192
Views: 16463

Re: Free Windows 10 Upgrade, Yes or No?

This is a show stopper for me. How many times has MS had buggy updates that have caused people headaches? Numerous. Now the language is vague as the article mentions, so maybe it will just be forced notification, which is fine as that's how I currently run, 'check but do not download/install'. I gu...
by rob
Wed Jun 03, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Out of a job and does he have any recourse?
Replies: 6
Views: 1188

Re: Out of a job and does he have any recourse?

Depends what was in the offer but this smells like some type of clearance in which case it would have been in the offer letter. This is not uncommon in clearance scenarios. The only solution I know is not available - not resigning until the new job was firm. Agree with above... try and see if they c...
by rob
Wed Jun 03, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 4397

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

For that work load..... SSD - SSD - SSD - Memory - Lots of stuff - Graphics upgrade :happy
by rob
Tue Jun 02, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3809

Re: Visiting Nephews: Water Guns and Nerf Weapons

There are some parents who do not believe that children should have "weapon" type toys. So, if you decide to get these, you might want to check with the parents to make sure they are acceptable to them. Parents who don't believe little boys should have weapons better confiscate all the st...
by rob
Mon Jun 01, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 192
Views: 16463

Re: Free Windows 10 Upgrade, Yes or No?

I'm going to upgrade because I hate win 8 so much anything will be better - I may have my head handed to me but worth the risk for this one (and I never do first time upgrades :oops:
by rob
Mon Jun 01, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 2997

Re: All-in-one Printer Recommendation

Anything but a "brother"..... Their printer refused to print black and white because it didn't have cyan/yellow or magenta ink.... complete rip off.
by rob
Sun May 31, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep backup (secondary) emergency fund?
Replies: 19
Views: 2758

Re: Where to keep backup (secondary) emergency fund?

I go the other way and buy stocks (tax efficient obviously) in taxable.... The normal issue is that stocks can go down in an emergency BUT I would just buy more stock from bonds in 401K at the same time - so would effectively be selling bonds. If you never use it, it's far better than sitting earnin...
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: 4921

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: 157
Views: 17429

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: 5660

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: 6146

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: 7689

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: 1395

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: 2406

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: 1168

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: 2084

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: 2084

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: 1386

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: 11636

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: 1386

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: 11636

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: 3470

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: 11636

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.

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