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Re: U.S. stocks in freefall

One of these days, this thread will get bumped and the market will drop 20%. You just have to keep the faith that owning stocks will make you cry and feel really, really stupid sooner or later...... I'm a firm believer that part of your portfolio should scare you to death and part should bore you t...
by rob
Wed Apr 16, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122367

Re: Child's Roth

Maybe you guys should stick to allocation advice, which was the question, rather than speculating about how the money got into the Roth. We have Roths for a couple of our kids (ages: greater than 0; less than 10). 1) No one made anyone but mod's the forum police [feel free to hit that on the top ri...
by rob
Tue Apr 15, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1396

Re: Child's Roth

I see this a lot and while I understand the idea behind it, I'm really dubious.... especially if the money came from the parents in some way or grass mowing or alike (instead of say model income for kids commercials).... but what custodian did you use?
by rob
Tue Apr 15, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1396

Re: Partials vs implants

p14175 wrote:I just got 2 implants. The cost was about $3000 each and I don't have insurance.

Mine was more than that a few years ago and I supposedly DO have insurance :-/ You did well....
by rob
Tue Apr 15, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2523

Re: TV show recommendations?

Sorry - didn't read the millions of past replies before responding :-) The Newsroom - Just got the 1st season so far and cracker of a first episode with real news sprinkled in. Life on Mars - (The UK version... have not seen the US version) - Absolutely Friggin Brilliant for a child of the 70's :-) ...
by rob
Tue Apr 15, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14206

Re: Target breach: deadline for credit monitoring

They would not go off-line to get my real report and then give to me so that I would not suspect a fraud. At least, I don't think that would make an economic sense for them to do. It would be pretty easy and that way you don't get found out as quickly vs the error which would get reported on the we...
by rob
Tue Apr 15, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 9
Views: 606

Re: Question regarding security door

How strong is the wall/glass around the door?

Chances are that either are stronger than anything to either side of the door.....
by rob
Tue Apr 15, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Question regarding security door
Replies: 11
Views: 790

Re: Target breach: deadline for credit monitoring

But a fraudulent web site would not have provided me with my credit report. It would be trivial to be a man in the middle so you would not notice a difference in functionality... that's why I questioned that it's not experian.com (or some variations like experian.com/target).... Why did the need a ...
by rob
Tue Apr 15, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 9
Views: 606

Re: Target breach: deadline for credit monitoring

Hey - Can someone confirm that protectmyid/target is legit... It appears so based on some searches BUT I'm dubious when the damn url's don't match like that :-/ I wish they would have put it on experian.com or target.com instead of these other domains names :-/
by rob
Tue Apr 15, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 9
Views: 606

Re: Carbonite vs Backblaze - an ongoing comp

Weird - my Crashplan does not seem to be a resource hog at all. I barely notice it's there unless I'm on my computer at 3AM when it's uploading data full speed. I'm not meaning the UI piece... look at the started task (I think windoze calls them Services) which is the one doing the backup.... It's ...
by rob
Fri Apr 11, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1086

Re: Carbonite vs Backblaze - an ongoing comp

Weird - my Crashplan does not seem to be a resource hog at all. I barely notice it's there unless I'm on my computer at 3AM when it's uploading data full speed. I'm not meaning the UI piece... look at the started task (I think windoze calls them Services) which is the one doing the backup.... It's ...
by rob
Fri Apr 11, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1086

Re: Tax Managed International

ted123 wrote:So, Vanguard didn't have the ability to actively manage the fund, as some here have suggested.

While your there grabing quotes out of context... have another look about tax management. I know what I invested in... and there is even a hint in the former name.
by rob
Fri Apr 11, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1180

Re: Carbonite vs Backblaze - an ongoing comp

I signed up with Carbonite but they tricked me into missing the woeful upload cap (100K or something after first little amt of space).... They hide that little fact in the very small print. Have been using crashplan for 3 months now and the backups are complete which carbonite never managed in 3 som...
by rob
Fri Apr 11, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1086

Re: Tax Managed International

But, as stated, that was pretty much abandoned over a year ago. One problem is IMO that Vanguard refuses to write anything down about this stuff..... Sure the ETF helped tax efficiency, sure the bulk of the fund was from the ETF share class, sure they might get some of the reduced TDI offset from s...
by rob
Fri Apr 11, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1180

Re: NYC Comic Con

While people are talking about anime costumes - some are great and a lot of time goes into some..... While there should be a rule about who should be wearing spandix, there is a rule on their web-site that says "nude is not a costume" - now you know that had to be there for a specific reas...
by rob
Fri Apr 11, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 677

Re: NYC Comic Con

I took my much-older kids there last fall (ages 12 and 15.) There is no way we would ever go back, and under no circumstances would I take a two-year-old. Comic-Con NYC is a gigantic convention floor filled with tables and booths of people selling their overpriced comic-related stuff. There is very...
by rob
Fri Apr 11, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 677

Re: Getting Passport without specific travel plans?

I would highly recommend the global entry program/ TSA precheck , though the recent policy of automatically tagging some people as precheck who don't know how the precheck works (fumbling with their electronics taking shoes off) infuriates me. I agree... although from their point of view they don't...
by rob
Fri Apr 11, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1797

Re: Getting Passport without specific travel plans?

Get the passport. If for no other reason, you don't have to deal with easily surprised people saying "You don't have a passport? I can't believe it!". Given that only about 1/3 of the us citizens hold passports.... even given the new requirements for non birth cert visiting Canada/Mexico....
by rob
Fri Apr 11, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1797

Re: Corporate Compliance has a problem with our Vanguard acc

And, finally, I don't see in the letter what the repercussions are of not doing anything. Sometimes, people will just give up on follow up. I'd wait for a couple notices before even addressing it - since it's none of their business to begin with. In a lot of cases this is ground for dismissal..... ...
by rob
Fri Apr 11, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2444

Re: Passport, TSA Pre-Check, and Global Entry

1. Considering that one needs to have the U.S. passport number in order to get Global Entry -- What happens to the Global Entry, if one replaces the passport while Global Entry is still valid? 2. Global Entry provides TSA Pre Check privileges. Does TSA Pre-Check provide Global Entry privileges? Nbr...
by rob
Fri Apr 11, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2532

Re: Some websites are.......

I predict that stocks will go down and up and down alternatively they could also go up and down and up....... Now - what use is that nugget? Did any of these places put their money where their mouth is - giving you a guarantee to cover all your loses?? As others... set your allocations, know what th...
by rob
Fri Apr 11, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 14
Views: 1231

Re: Partials vs implants

I had an implant for a tooth that had been through the root canal, crown, bridge, huge fillings e.t.c. mess over the years. I went the implant path mostly it was because that tooth was an anchor for the rest (first molar), so if I lost it the others would develop issues..... While it was pretty unpl...
by rob
Fri Apr 11, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2523

Re: Tax Managed International

livesoft wrote:
rob wrote:The QDI has been reduced from 100 to 75 using latest figures, not some mythical future event.

Got link?

No - I was talking to my rep and they had the latest figures for both funds......
by rob
Thu Apr 10, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1180

Re: Vanguard Developed Markets Index Fund

If they have called the new fund the "Tax-managed Int'l fund", but managed it exactly the same way they intend to manage it, no one would have been the wiser. And I think the previous Tax-managed Int'l Fund was not managed any differently for the past 7 years. If you mean by NOT changing ...
by rob
Thu Apr 10, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Developed Markets Index Fund
Replies: 4
Views: 342

Re: Tax Managed International

I am trying to see where anybody is taking a hit by this non-change. The ticker symbol hasn't even changed. It just seems like some folks are jumping the gun with whining about some future that isn't going to happen. Frankly, these posts about "change" are confusing because nothing really...
by rob
Thu Apr 10, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1180

Re: Tax Managed International

I just checked my FTSE Developed Markets (VEA) 1099-Div form. The 2013 dividends were 100% qualified, so Vanguard certainly has not abandoned all tax management of the fund. Dale Disagree... by definition they must now follow the index.... Tax manage within that sure... but a reversion to non QDI w...
by rob
Thu Apr 10, 2014 1:13 am
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1180

Re: Tax Managed International

Look at my past posts on this topic - unhappy does not begin to cover it :-) * The ETF class was on tax managed because in the past depths of time, total internationmal was a fund of funds and could not get an ETF class. IMO that is the mistake they are correcting at the expense of the tax managed i...
by rob
Thu Apr 10, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1180

Re: Corporate Compliance has a problem with our Vanguard acc

Unless I misread something.... Move the single BRK share to eTrade/fido/whatever and swap the Vanfguard acct to mutual fund only - which by my reading meets the point you posted. If it's ONLY your wife's accts and not your, you could also just re-totle the acct to yours only (if you want you can thi...
by rob
Wed Apr 09, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2444

Re: Asset location strategies for taxes are OK; but not grea

An investment adviser from CA emailed me on this article and told me of another issue with asset location - married couple who are getting divorced. "when you allocate across spousal accounts and they subsequently divorce. Asset location decisions might lead to serious imbalances within each s...
by rob
Tue Apr 08, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2614

Re: I saw a "Boglehead" on my flight yesterday!

Johm221122 wrote:This is why we need Boglehead t-shirts.But they may need to be in secret code, so only fellow Bogleheads would know

John

Oh... you missed the secret walk instructions? Oops - I never said anything... :happy
by rob
Tue Apr 08, 2014 9:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7558

Re: Why Americans are Retiring Overseas

Look into Malaysia or Thailand. Those two countries in particular do not make my top 10 (though one can get cheap flights now on Malaysian Airlines for obvious reasons). :) Thailand is really worth considering - I know it's out of the normal US person's world but it really can be a great option for...
by rob
Tue Apr 08, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8829

Re: Question for photographers: how is this done?

Off the top of my head..... Prob a static shot with subject then the pan for the lines and photoshop them in layer/paint..... Could also do the lines in PS but my first thoughts go to in camera first :-)
by rob
Mon Apr 07, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1374

Re: Moving Advice: How do I make my move economical?

Sell your books back to Amazon and swap for kindle versions?
by rob
Mon Apr 07, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 876

Re: Putting $ away for children

rob, I guess the analogy is lost on you Not lost at all and it's very clear to me your intent..... If you tie stuff up in trusts and corporate entities you can control people from the grave for a very long time....... Looking at the responses... I'm not alone. If you have your kids give you POA/Age...
by rob
Fri Apr 04, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5394

Re: Putting $ away for children

209south wrote:You guys crack me up - when my father-in-law visits in May I am going to scold him for setting up a trust for the kids with THEIR money

If not the FIL's actions people are reacting to.......
by rob
Fri Apr 04, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5394

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

Examine your tax situation to see which type of IRA contribution is best for you and then open the IRA account. Depending how far into "6 figures", I would suggest NOT funding a non deductible Trad IRA (if over the Roth limit)..... I did that long ago and wish I had kept non-ded contribut...
by rob
Fri Apr 04, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3599

Re: Investing Strategy for Future Expats

As someone who has gone the other way inbound to US after working in several countries and made mistakes.... Avoid mutual funds or their equal like the plague - Today there are many ETF's that are treated far better. I would also suggest more taxable accounts over various retirement accts as that ad...
by rob
Thu Apr 03, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Strategy for Future Expats
Replies: 14
Views: 732

Re: Expensive hobbies and possessions? (B/c you can...)

Hmm, I just remembered about $15-18k worth of photography equipment. Yeah, I make a habit of NOT trying to add up dollars for photo gear..... It's bad cama in my view, plus bad for my health IF the other half saw it :D Assuming your excluding kids from the question :shock: ..... Travel to use said ...
by rob
Thu Apr 03, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9199

Re: Urge to buy a house every rent increase

My personal theory is that a majority of these people will pay it after the first lease to avoid moving again and the company profits more by turning it over and keeping those that will keep up with the 9% increases. We shall see though. The mgt company likely profits more by putting in new tennant...
by rob
Thu Apr 03, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1491

Re: Need a grocery app with certain (basic) features iphone/

Not sure about grosery lists but if you don't like evernote and looking for a simplier interface... try wunderlist (I use it a lot) - I also heard good things about milk..... but both are just to do list type things.
by rob
Thu Apr 03, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Need a grocery app with certain (basic) features iphone/PC
Replies: 7
Views: 357

Re: How did you determine your "number" for retirement

The first digit of your zip code multiplied by a million. Victoria My zip code starts with a zero...... I might just be able to hit that goal :-) Yeah... expenses against what you hink for a safe withdrawal rate. The expenses change, so try and guestimate that based on what goes away and what gets ...
by rob
Thu Apr 03, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3294

Re: Preventing Office Theft of Food and Other Stuff

http://www.thisiswhyimbroke.com/fake-mold-anti-theft-lunch-bag - It's a sandwich bag that has fake mold as part of the plastic :-)
by rob
Thu Apr 03, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5072

Re: Putting $ away for children

Thanks for the comments, SGM - yes, 'scolding' was precisely the word that came to my mind until I read your post :wink: These kids are young, and $75,000 is a lot of money - my 25 year old has come into his own and will attend a top 20 business school in the Fall, but if he had access to $75,000 w...
by rob
Thu Apr 03, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5394

Re: GPS with "favor interstates" option?

In NJ/NY area easy fix - just buy a tom tom and it will go over the damn GWB every time it's witin 200 miles :oops: I suspect directions from San Fran to Seattle would also include that bridge (although to be fair, it has been less congested due to political reasons recently :-) ). Serious though......
by rob
Thu Apr 03, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1338

Re: Laid off today... TODO list?

One that is often overlooked... You will not have access to the company intranet...

* Print off policies that you need.
* Get external id's for health/401k/etc websites - some companies pass thru a corp id when launched internally.
* Get copies of past payslips.
by rob
Thu Apr 03, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9585

Re: Advice for the new immigrant

I think getting into tax prep would be a great fit.... even if she has to work at HR Block or whatever at the beginning. There is some training up front but someone with an accounting background would rip thru that. Longer term, it gives her some income at tax time likely with some ability to time s...
by rob
Mon Mar 31, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for the new immigrant
Replies: 9
Views: 701

Re: New Friends are the Anti-Bogleheads, what to do?

Why do you want to save the world?...... One of my closest friends day trades..... while we rarely talk about it, we both know we are just using different investing perspectives from the odd conversation. We have so much other stuff in common. Just enjoy the company and skip that topic......
by rob
Sun Mar 30, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8418

Re: Out of step

This is one place where I just think Jack and Vanguard have it all wrong. Rob: When we're out-of-step in a parade it is usually wise to reconsider what we are doing. :wink: Best wishes. Taylor lol Yeah I know and it does certainly cause me to think sometimes :shock:.... but I still think it's count...
by rob
Sat Mar 29, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2929

Re: I need help in starting a business in NYC

So why a new business rather than just working for one of the large corps that supply this service? They have existing clients and it's a LOT less headache over starting a business..... what is the extra benefit to starting something new (remember you also have to find clients and provide backup for...
by rob
Fri Mar 28, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 443

Re: The Boglehead Car -- What is It?

I thought we had established in an earlier thread that it's a used Porche :P
by rob
Fri Mar 28, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 10499
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