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Re: need for a backup credit card?

Never could understand why anyone would need more than one. You mean like my credit company for 15 years on an account paid in full each month - determined that my card was stolen because I dared to use it 200 miles from home to a city I have been a half dozen times before :oops: Same thing has hap...
by rob
Tue Sep 30, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 31
Views: 1150

Re: Why Aren't Waterbeds Popular Anymore?

Have had one for >25 years as well (full bladder)..... I have no clue why they are not more popular. Try one in a cold climate during winter and you would never change :-)
by rob
Tue Sep 30, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1018

Re: Vanguard ETF and fund

+Funds allow free buy/sell to rebalance
by rob
Fri Sep 26, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF and fund
Replies: 19
Views: 1059

Re: "What to do if you win the lottery...."

ieee488 wrote:I would be more concerned about how to drop out of sight once the news hits the fan.
Change telephone numbers, etc.

This would be right after getting the lump sum and giving my employer some suggestions about their dysfunctional company :D
by rob
Fri Sep 26, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: "What to do if you win the lottery...."
Replies: 9
Views: 1302

Re: Pimco Total Return - Keep or Sell

This is another rub with active mgt.... You will have to determine how much you want to follow Gross vs. the existing mgt ability to continue the same path. I don't know....
by rob
Fri Sep 26, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2224

Re: Any disadvantages of filing for unemployment?

Might want to check it out but normally severance does not count for filing.... so she might be already able to file.
by rob
Fri Sep 26, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2150

Re: Are trash compactors good things?

I actually like hauling my trash to the dump, sort of. I run into neighbors. I get to peruse the dump library. It's hardly any work really........and I do it on my own time, rather than having to put it out on a schedule. I cannot stand it.... I thought I lived in a civilazied country :shock: The i...
by rob
Thu Sep 25, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1020

Re: Too many houses?

You seem to be having an issue just because your asking the question, so assuming you want to lighten up..... to answer I would have to know what carry of rentals and what if any leases are in place. Based on numbers present, I would sell the vacation house as it's a bit chunk of the value and presu...
by rob
Thu Sep 25, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3593

Re: Are trash compactors good things?

123 wrote:With a trash compactor you can turn 10 pounds of trash into 10 pounds of trash. It's just amazing what modern technology can do.

Yeah but in our case we have to take the trash to dump it, so it's a volume thing fitting into the car :-)
by rob
Thu Sep 25, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1020

Re: We're all going to die!!!

** Busted post since title was changed **
by rob
Thu Sep 25, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4719

Re: POLL: Would you rather work half as long or half as ofte

This is ugly. At least as of this moment option ONE is taking a beating. Yeah... not what I was expecting (I voted for #1).... That response so far surprised me - especially in this group. I would actually prefer a reverse #1.... have money and fun at the beginning and die in a cube somewhere but t...
by rob
Thu Sep 25, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 3860

Re: What did you always wish for but never got?

A flying car (Jetson's was one of my fav cartoons)..... which I am STILL WAITING FOR :D
by rob
Wed Sep 24, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5057

Re: Norwegian Airlines

I always answer "how is x airline" with... how much worse could they be than the usual big airline crowd - AA, UA etc..... Most non US long-haul airlines are better.
by rob
Wed Sep 24, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 24
Views: 1882

Re: Employer Roth 401K Contributions at tax time

You mean employee contributions? Employer matching is not going to be categorized as a "roth". Paying tax now is the same as paying tax later if you pay the same percentage of tax in both cases. True but only when all things are equal (not just tax rates).... There are thresholds/cutoffs f...
by rob
Tue Sep 23, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer Roth 401K Contributions at tax time
Replies: 6
Views: 326

Re: What's in your tax advantage accounts?

do you count "Stable value" as muni bonds? or semi-govt Bond Funds? or do you count that as something else? Yeah it's a tough one because I get no info on what's really wrapped inside the GIC's... it's always made me queezy to be honest. I count it as a short term bond for allocation purp...
by rob
Mon Sep 22, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3929

Re: What's in your tax advantage accounts?

Like a lot above.... 401k is roughly 50% stable value and 30% fixed with the rest been stock... Roths are mostly stock and past rollovers are mixed of all sorts of stuff.
by rob
Sun Sep 21, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3929

Re: When to throw out childhood toys? Encourage me please.

If one reads all the stories of folks with children who have literally nothing, it amazes me anybody would "not" call the Salvation Army<snip> I agree there are charities that take stuff but that particular one rocked up and didn't like a lot of our stuff... I mean really :oops: Had that ...
by rob
Sat Sep 20, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2389

Re: House broken into--please help

That's crappy.... - Credit freeze is a good start - Change all passwords since the laptop was stolen - Not sure about US but normally you need to report stolen passport with a police report - Drivers license? - Don't forget about stuff like library cards or alike that could be used but are not bank ...
by rob
Fri Sep 19, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2337

Re: Vanguard's Website - Bad, or just me?

MossySF wrote:4) Make near-mirror transactions in taxable vs non-taxable where tax loss harvesting opportunities are available

We disagree on complex and what it would need to do but #4 on your list is not allowed :-)
by rob
Wed Sep 17, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2389

Re: Vanguard's Website - Bad, or just me?

... so there could be some pretty ugly tax consequences of an easy-to-use rebalancing tool. Imagine the howls of protest if somebody clicks some percentages to rebalance and then gets a 1099 for the transaction. Excellent point. My employer's 401(k) plan has a rebalancing tool. However, it's within...
by rob
Tue Sep 16, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2389

Re: Vanguard's Website - Bad, or just me?

As a long term buy and hold investor of Vanguard mutual funds ...... I find it woeful; not the worst I have used by certainly in the lower end - As you say it comes down to usage patterns and what sites you are used to in the past. OP - It's leaps and bounds better than it has been in the past - I ...
by rob
Tue Sep 16, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2389

Re: Rental property with in-laws: please help!

What a mess... but seems like caught up in the bubble to me. The whole 80/20 thing was common back in time and was always going to end badly for most people. THE most critical thing missing above (might have missed it) is the ownership on the deed - I assume for this response she is the ONLY owner -...
by rob
Tue Sep 16, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7812

Re: How often do YOU rebalance and when?

Unlike those organized types bove I do it randomly....... I tend to have a more detailed look towards the end of the year for losses and tend to wait until Jan to sell for gains....... but not all years. I do change future allocations more often than selling but I wait till year end to do the Roth c...
by rob
Tue Sep 16, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1976

Re: External backup drives - Seagate vs Western Digital

There are 2 types of people.... those that have had drive failures and those that will [and that first group is also in the second group] :-) Personally, I used a NAS server at the other end of the house for the big stuff and one of the cloud vendors for the smaller stuff [I think I've got 4Tb in th...
by rob
Mon Sep 15, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 2728

Re: Vanguard Tax Managed Balanced-Any owners

Vanguard eliminated the fees several years ago; now, the tax-managed funds are no harder to get out of than ordinary index funds. (And the two which were redundant were merged into the corresponding index funds, although I don't agree that Tax-Managed International was redundant.) The purchase/rede...
by rob
Fri Sep 12, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Managed Balanced-Any owners
Replies: 50
Views: 11048

Re: Vanguard Tax Managed Balanced-Any owners

I would seriously reconsider any use of TM funds - I bought them years ago when they first started and had 3 of them until recently and now have 2. Taxable funds need to be a long term relationship and Vanguard does not believe that with these funds. They are very tough to change after a decent peri...
by rob
Thu Sep 11, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Managed Balanced-Any owners
Replies: 50
Views: 11048

Re: Why don't the LifeStrategy funds have Admiral Status??

I would GUESS they use the gap in fees to pay for the extra overhead of the fund, since it's a fund of funds....... Do they show what exactly the fund invests in?... Do they use the institutional share class of the base funds??
by rob
Thu Sep 11, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1346

Re: How well do you understand retirement finance?

The last 3 answers are... well.... interesting that we have some takers :D

I suspect that saying about the more I know the less I know I know might be useful :shock:
by rob
Thu Sep 11, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 858

Re: Why did REITs drop today?

I love how people rationalize and answer after the fact.... personally I think it was because less eggs are consumed in China on a Wednesday :D IMO it's far too complex a system to pick a single answer. Now as to REIT's allowing copper wires underground able to be classified real estate and push off...
by rob
Thu Sep 11, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4111

Re: How much value can an advisor add for the average invest

My issue is not what you say but the low probability of getting an advisor like that vs a salesman. While the industry continues to allow the nonsense; I think people are better off without an "advisor" in their pockets in every case. To find a real advisor over a salesman the person alrea...
by rob
Wed Sep 10, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4725

Re: Rather macabre but necessary question

In a lot of ways you have an advantage here because you have a far better idea of an end date than most of us and that give you a good planning path (sorry... but there is no easy way to word that and it's great your thinking about this in a positive light). If it were me... I would do some type of ...
by rob
Tue Sep 09, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6172

Re: Peter Lynch was wrong

P.S. If someone were to take a poll, I wonder how many BHers recognize the name of Peter Lynch or John Neff or Michael Price or Max Heine or John Templeton? Have we now got to the point that memory of the 90's requires I admit I'm old?... :shock: I thought anyone who remembered the 60's was old and...
by rob
Mon Sep 08, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6093

Re: Life insurance with a smoking spouse

I would lock in a longer term base because it's just not going to get any cheaper for coverage..... Shop around but your going to have to accept it's not going to be the cheapest option or anything you see advertised..... Maybe work out the bare min you need rather than what you would like to help o...
by rob
Mon Sep 08, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1297

Re: Coin Counting Machines

Every few years we visit the coinstar machine at the grocery store (get amazon credit as well due to the cost otherwise and mazong credit is close enough to cash for me)......... Kids love feeding it all into the machine so it's got some enterniment value as well :-)
by rob
Wed Sep 03, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4061

Re: New 2% cash back Mastercard from Citi

The only time this was an issue for me in Australia was at automated kiosks. Oz converted to only chip/pin on Aug 1 for regular over the counter txn's.... Now MIGHT it still be possible in SOME cases... sure but that's just not workable for a credit card..... and capital one's ludcrous stance that ...
by rob
Wed Sep 03, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23428

Re: New 2% cash back Mastercard from Citi

I agree with thewizzer that it would be fantastic if there were an equivalent card that also charged no foreign transaction fees. I keep a second cash-back card (B of A Travel Rewards) solely for that purpose, though it only gives 1% cash back. I recently got the capital one quicksilver @1.5 with n...
by rob
Tue Sep 02, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23428

Re: "3 Investments Retirees Don't Really Need"

It could just as well be titled, "3 Investments Investors Don't Really Need." :) I'm having trouble understanding why this has anything to do with retirees either...... IF one was to use either or all of those in accumulation then it would make just as much sense in retirement as I don't ...
by rob
Tue Sep 02, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: "3 Investments Retirees Don't Really Need"
Replies: 7
Views: 1725

Re: Vanguard is finally getting Two Factor Auth (2FA)

Welcome to the late 90's..... maybe in a few decades we can het something ACTUALLY useful instead of SMS :oops:
by rob
Sun Aug 31, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3783

Re: Do you diversify into international bond?

If I thought market timing worked... I would be selling all my non US bonds based on the fact everyone seems to recommend them now days :-/ I have them as part of my bonds and have close to when they were first available.
by rob
Thu Aug 28, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2267

Re: Own the same fund in multiple accounts?

I would guess it's common and I certainly have it all over the place due to the silly buckets of account types we all have........ the only catch is selling in taxable and claiming a loss and then buying in your retirement account within the window.... retirement to retirement is no issue (selling f...
by rob
Thu Aug 28, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Own the same fund in multiple accounts?
Replies: 9
Views: 937

Re: How I beat Indexing... in 1 hour

SuperSaver wrote:-ITMN: I knew of impending buy out

If true, than it's commonly known that trading on insider information (non public) does in fact work - that's why it's illegal (unless your a politican anyway)....
by rob
Tue Aug 26, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 69
Views: 10762

Re: Slice n Dicers: How much have you outperformed?

I dunno..... but I don't see SnD as an outperformance strategy..... If it does outperform then great but for ME it's about not been tied to the largecap stocks - I know people here say total mkt and not s&p500 but look at how close they really are and how much of total is in the large cap arena.
by rob
Sun Aug 24, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Slice n Dicers: How much have you outperformed?
Replies: 20
Views: 2494

Re: Rain Jacket Recommendations

I love these (might be hard to get in the US) - have sat watching motor racing in absolute hurican conditions and they work great.... Breathable but not really for action sports. http://store.drizabone.com.au/riding-coat-black
by rob
Sat Aug 23, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1807

Re: Do you take all of your allowed paid vacation time?

Living in CA, this is implemented as a restriction on how much of next year's accrual you will actually get if you have too much on the books already Don't you love that distinction.... When we converted to that we had the we will NEVER take any away right up front in big words than hidden in the d...
by rob
Fri Aug 22, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5750

Re: HELOC + Margin = $200k to play with

YttriumNitrate wrote:BLACK! Put it all on black...don't listen to those market timing fools that talk about red being the better roulette color... :D

Nah... Go with zero for the better odds... none of this play it safe red/black :-)
by rob
Fri Aug 22, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELOC + Margin = $200k to play with
Replies: 24
Views: 1787

Re: Do you take all of your allowed paid vacation time?

We can carry over a max of 6 weeks at the end of the year. This seems like a bad policy in times when you REALLY need more (serious illness, family member, etc.), but at least forces people to take some leave. I can only carry over 1 week.... so your doing great with that policy. I take all my days...
by rob
Fri Aug 22, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5750

Re: Using an advisor for fudiciary guidance

<snip>Participants need help establishing real goals, determining savings rates and building portfolios. Without the help and support of an advisor most plan participants are clueless. As are most so called advisors.... The issue to me is that this argument lets the wolves in the door even more tha...
by rob
Thu Aug 21, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2423

Re: Renting forever: financial suicide?

Don't underestimate how much of a money pit some houses are...... I wished I was renting the last decade in hind sight instead of the HUGE costs - new roof, water damage, basment issues, plumbing issues, new oil burner, air con, hot water, dishwasher, carpet, paint inside and outside and on and on. ...
by rob
Mon Aug 11, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11071

Re: Thanks Bogleheads

dickenjb wrote:Sounds like the old IDS renamed American Express Financial Advisors now named Ameriprise.

New names every so often but selling the same old, same old.

It was indeed IDS......
by rob
Fri Aug 01, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads
Replies: 8
Views: 1005

Thanks Bogleheads

I was cleaning up recently and tripped over a "financial plan" I had done with American Express in the mid 90's - I paid $400 at the time, cause the receipt was still tucked into the folder. I never pulled the trigger on it because there was something I could never put my finger on that I ...
by rob
Fri Aug 01, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads
Replies: 8
Views: 1005
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