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Re: Getting a used car

So what year/make/model did you pick out?


I decided on a 2009 Subaru Outback.
by simplesimon
Sat Apr 27, 2013 7:32 am
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1258

Re: Getting a used car

I would pay it in all cash if I could but I need the car to get to work, which pays me the $.
by simplesimon
Fri Apr 26, 2013 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1258

Re: Getting a used car

Then after this time period and some decision making on your part will you are ready to really focus on buying. In my experience this usually takes around 2-4 weeks to do all this visiting and deciding on what cars you can afford and what is available in the market. Then you can get serious about r...
by simplesimon
Fri Apr 26, 2013 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1258

Getting a used car

I'm currently in the process of getting a pre-approved loan from my credit union to purchase a used car. I'm getting offers for warranties and other stuff that I'm not too familiar with (first time car buyer). I turn to the collective wisdom of the Bogleheads forum to seek guidance on what you all t...
by simplesimon
Fri Apr 26, 2013 10:51 am
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1258

Re: harvard med school vs. penn med+full tuition scholarship

re: comparing philly to cambridge,
UPenn med is in philly (another poster said it was in hershey; that is penn state, not upenn),
but
HMS is in Boston (Mission Hill/Longwood), not Cambridge..


Oh c'mon...Longwood is a hop, skip, and a jump away (i.e. bus ride or T ride) from Cambridge.
by simplesimon
Wed Apr 17, 2013 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 107
Views: 7122

Re: harvard med school vs. penn med+full tuition scholarship

$200K is a lot of money, but I think you'll be fine. 1) You're seeking advice on the Bogleheads forum and 2) you're clearly ahead of your peers. I'm a graduating MBA student in Boston and I'm not too familiar with the Philadelphia area, but I would say you'll be among the best and brightest in busin...
by simplesimon
Wed Apr 17, 2013 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 107
Views: 7122

For those with conservative portfolios

I took a look at my portfolio's performance the last couple years since I left my job for school and it's had a cumulative return of about 10% since July 2011 "dragged down" by bonds and international stocks, but hey, its the portfolio I chose and am sticking with it. What do you tell your...
by simplesimon
Tue Apr 02, 2013 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: For those with conservative portfolios
Replies: 12
Views: 1006

Re: Need a good book on negotiating

Took an entire semester on negotiations in business school and Getting to Yes was the book to read. Also took a private equity class where the professor who spent 20 years in PE after graduating from Harvard Business School said it was the most influential book that's helped him negotiate that he's ...
by simplesimon
Thu Mar 14, 2013 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Need a good book on negotiating
Replies: 24
Views: 1595

Rebalanced today

...was the highlight of my day.
by simplesimon
Thu Mar 14, 2013 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalanced today
Replies: 22
Views: 2572

Re: Need a Suit

http://thewizardofaahs.com/ Contact this guy directly, you can get a great suit for about $350. It's absolutely critical you spend take the shipped product to a good tailor and get it altered to make you look great in it. As for style, flat's better for slim to average build, pleats for heavier buil...
by simplesimon
Wed Feb 20, 2013 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Need a Suit
Replies: 16
Views: 1605

Re: Taiwan Local Chapter

Can you provide a link to your blog?

Edit: Nevermind, found it!
by simplesimon
Tue Nov 27, 2012 1:09 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 38
Views: 2973

Re: Fidelity Amex question

I just signed up for this card and got it in the mail but was disappointed to see such a low initial credit limit. I called customer service to try to raise it and the rep said I should wait at least a month or two or else I'll get dinged since I was just very recently approved for said limit. Can a...
by simplesimon
Mon Nov 19, 2012 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Amex question
Replies: 25
Views: 2105

Re: What's Your Favorite Hot Sauce?

This about sums it up:

http://theoatmeal.com/comics/sriracha

Warning: some offensive language.
by simplesimon
Tue Oct 23, 2012 4:22 pm
 
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 3225

Re: Warren Buffett on Jeopardy

No one has asked this but what was the category? "Buffet Talks Business" If you're a passive investor, you're fine with this type of fund that gets its name because it tracks an aggregation, such as the S&P 500 Triple Stumper http://www.j-archive.com/showgame.php?game_id=3989 If it's ...
by simplesimon
Sun Oct 14, 2012 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett on Jeopardy
Replies: 19
Views: 2572

Re: Zvi Bodie's Investments class

He acknowledged that the forum is a very knowledgable group of people. I'm confident that the foundation of my investment knowledge from when I first started years ago is a good one! The very first book I read could have easily been "Rich Dad Poor Dad" instead of "Common Sense on Mutu...
by simplesimon
Tue Sep 04, 2012 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Zvi Bodie's Investments class
Replies: 5
Views: 693

Re: Zvi Bodie's Investments class

I asked him if he participated on the forum. He said no!
by simplesimon
Tue Sep 04, 2012 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Zvi Bodie's Investments class
Replies: 5
Views: 693

Zvi Bodie's Investments class

I'm currently sitting in Zvi Bodie's Investments MBA class and got to talk to him during the break and mentioned I belonged to a forum that helped me learn a lot about investing. He asked if it was the Bogleheads by name and I was very surprised he knew about it. Was a very cool moment.
by simplesimon
Tue Sep 04, 2012 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Zvi Bodie's Investments class
Replies: 5
Views: 693

Re: Google Fiber

Any predictions about when this technology will hit most major metro areas?
by simplesimon
Fri Jul 27, 2012 10:21 am
 
Forum: Personal Consumer Issues
Topic: Google Fiber
Replies: 42
Views: 3524

Re: Do Bogleheads buy nice suits?

I agree with most of the comments made above. My order of importance for a work outfit: 1) FIT. You can spend $2000 on a suit and it'll look sloppy if it's not perfectly fitted. 2) SHOES. Ditto previous line. There's a saying/rule of thumb: spend half the budget on shoes. Not only do quality shoes l...
by simplesimon
Thu Jul 12, 2012 6:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads buy nice suits?
Replies: 87
Views: 5951

MBA grad pays off $100k in debt in 7 months

Some of you may have seen this article floating around the internet the last couple weeks and I thought it was a good lesson in frugality for the readers here. It's not a cost-benefit analysis of pursuing an MBA and there aren't answers to questions like "How do I pay down $100k debt with a $40...
by simplesimon
Thu May 24, 2012 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: MBA grad pays off $100k in debt in 7 months
Replies: 7
Views: 1523

Re: Getting in MBA Program with a terrible undergrad GPA

Do you think doing an MBA program is much different from going into a civilian sector? 90% of your classmates will have come from 4-5 years working experience from the private space. As for your candidacy, I don't think having gone to the school as an undergrad really helps you get into their busine...
by simplesimon
Wed May 09, 2012 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting in MBA Program with a terrible undergrad GPA
Replies: 25
Views: 2617

Re: Economics. What do you think?

I just took a semester-long course on economics (heavily focused on micro) and I would say no. Great class, but didn't make me think about changing my investing philosophy.
by simplesimon
Tue May 08, 2012 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Economics. [Does it help the investor?]
Replies: 83
Views: 4630

Shaving for a couple dollars a month

Has anybody tried this company's service? It seems like a pretty good deal. The youtube ad is pretty hilarious.

http://www.dollarshaveclub.com/

*I am not affiliated with the website.*
by simplesimon
Tue Mar 20, 2012 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Shaving for a couple dollars a month
Replies: 13
Views: 1611

Re: Is the S&P 500 Index a Total Return Index?

Nothing?

I have the 10 year total return of the SP500 at about 45% ($14,500 after 10 years on a $10k growth chart of VIIIX, Vanguard's SP500 institutional fund, on morningstar.com) and the SP500 ending today at 1364 when 10 years ago it was 1164 (17% increase).
by simplesimon
Mon Mar 05, 2012 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Is the S&P 500 Index a Total Return Index?
Replies: 13
Views: 1428

Re: Fantasy Finance

You're not allowed to allocate more than 33% of your cash into any one security.
by simplesimon
Mon Mar 05, 2012 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy Finance
Replies: 8
Views: 659

Re: Tax return question re: living out of state as a student

I attend a private university so there isn't any in-state/out-of-state tuition distinction. Yes, changing states seems to have created a little bit of a headache. My only consideration for Roth conversion was my own wages as it related to the federal income tax brackets. I did not consider state tax...
by simplesimon
Sat Jan 21, 2012 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax return question re: living out of state as a student
Replies: 25
Views: 651

Re: Tax return question re: living out of state as a student

Thanks everybody for their input.

sscritic: I was actually doing a lot of digging on the FTB website. Thanks for providing those links for me.
by simplesimon
Sat Jan 21, 2012 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax return question re: living out of state as a student
Replies: 25
Views: 651

Re: Tax return question re: living out of state as a student

I haven't decided whether or not to return to CA after graduating. Yes, I was converting a small chunk to get that out of the way. Yep, I received a 1098T form that allowed me to get a $2k credit. When I view my TaxACT tax summaries for each state, it looks like I owe taxes on my IRA conversion to b...
by simplesimon
Sat Jan 21, 2012 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax return question re: living out of state as a student
Replies: 25
Views: 651

Tax return question re: living out of state as a student

I'm in the middle of filing my return for 2011 using TaxACT and I noticed that I need to file both CA and MA state tax returns. Here was my situation in 2011: I worked in CA from January to the end of June. I moved to Boston, MA in the middle of August to start school (am still currently a student)....
by simplesimon
Sat Jan 21, 2012 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax return question re: living out of state as a student
Replies: 25
Views: 651

Re: 1941 Fruitcake In Ohio Sells For $525

Or the fruitcake.
by simplesimon
Thu Dec 29, 2011 3:06 am
 
Forum: Personal Consumer Issues
Topic: 1941 Fruitcake In Ohio Sells For $525
Replies: 16
Views: 1056

Re: Pascal’s Wager, religion, and investing advice

When it comes to investing, the downside is a lot worse than the upside. Just index.
by simplesimon
Sun Dec 18, 2011 1:38 am
 
Forum: Investing - Theory, News & General
Topic: Pascal’s Wager, religion, and investing advice
Replies: 83
Views: 4953

Re: Suit Jacket / Sport Coat / Blazer

I guarantee that 90% of people won't notice, especially those in their 20's (I'm 27). You'll be fine.

I prefer something with a bit more texture or pattern to be worn as an odd jacket.
by simplesimon
Mon Nov 28, 2011 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Suit Jacket / Sport Coat / Blazer
Replies: 5
Views: 620

I first used the Apple IIe when I was in 5th grade to play Oregon Trail and now type this post on a MacBook Pro 16 years later.
by simplesimon
Thu Oct 06, 2011 10:37 am
 
Forum: Personal Consumer Issues
Topic: CNN: Steve Jobs has died
Replies: 93
Views: 7382

Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what i...
by simplesimon
Wed Oct 05, 2011 8:40 pm
 
Forum: Personal Consumer Issues
Topic: CNN: Steve Jobs has died
Replies: 93
Views: 7382

Thank you all very much for your help. I called the IRS and my goodness there was the nicest, most helpful man on the other side of that line. He instructed me to: 1) Respond to the letter and submit a 1040 Schedule D for 2009 with it which will act as my amended return for 2009. 2) File a 1040X for...
by simplesimon
Mon Oct 03, 2011 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax help - Letter from the IRS
Replies: 12
Views: 1606

Tax help - Letter from the IRS

I have a little situation that I hope some knowledgable Bogleheads can help me with. Last week I received a letter from the IRS about my 2009 Federal tax return. Apparently, I failed to record the capital gains/losses for a couple funds that I sold that year and they were going to put me on the hook...
by simplesimon
Mon Oct 03, 2011 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax help - Letter from the IRS
Replies: 12
Views: 1606

ryuns wrote:I thought the investment advice from the previous comic was much more sound and much harder to argue with:
Image

:lol:


This is pretty good.
by simplesimon
Mon Sep 05, 2011 11:34 pm
 
Forum: Personal Consumer Issues
Topic: xkcd: investing
Replies: 16
Views: 1896

How much are you willing to spend? You only need 2 or 3 non-black suits. Navy and charcoal first, then brown, olive, or something to that extent to mix it up. It's ok if you just alternate between navy and charcoal. I think about 6-8 dress shirts should work. Like an above poster said, a couple whit...
by simplesimon
Mon Aug 08, 2011 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Suit up (i.e. buying new suits for a new job)
Replies: 33
Views: 4035

How do you determine if it "makes sense"?
by simplesimon
Fri Aug 05, 2011 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: anybody else reluctant to buy bonds right now?
Replies: 21
Views: 2912

Yes, today seemed like a really bad day. I can't recall off the top of my head, but this might have been the biggest open to close drop in the S&P 500 since the flash crash. GLD and SLV were down too. SLV was down over 7%. It looks like bonds are probably the best diversifier. Total Bond ETF wa...
by simplesimon
Thu Aug 04, 2011 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 148
Views: 19598

It's funny how some people think today's a buying opportunity but January 2011 was not.
by simplesimon
Wed Aug 03, 2011 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm buying!
Replies: 140
Views: 19469

Selecting cost basis methods at Vanguard

It looks like starting 2012, Vanguard will allow you to choose between average, FIFO, or specific ID of shares.

https://personal.vanguard.com/us/insigh ... _rl=FB3433
by simplesimon
Mon Jul 25, 2011 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Selecting cost basis methods at Vanguard
Replies: 12
Views: 1646

Mac users: OSX Lion

Did anybody get it? How do you like it?



No PC v. Mac flame wars please.
by simplesimon
Thu Jul 21, 2011 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Mac users: OSX Lion
Replies: 51
Views: 5615

pshonore wrote:Anyone who wants real pizza has to come to New Haven CT. Sally's or Pepe's.
Strictly the best :)


I just saw a TLC show about this the other day. According to them, the locals argue over which is better. Which do you think is better?
by simplesimon
Wed Jul 20, 2011 3:45 am
 
Forum: Personal Consumer Issues
Topic: Pizza Math -- beware, this is dorky
Replies: 50
Views: 5077

I lol'd at your friend's reaction. It's a legit question IMO.
by simplesimon
Fri Jun 24, 2011 2:43 am
 
Forum: Personal Consumer Issues
Topic: Inappropriate/Illegal interview question?
Replies: 51
Views: 3850

wilked wrote:The best way to drink lots of water is to get a big water container (like a Nalgene) and access to cold water.


This is what I do. I have a 64 oz. Klean Kanteen and fill it with water at home in the morning and drink it throughout the day.
by simplesimon
Wed Jun 22, 2011 10:34 am
 
Forum: Personal Consumer Issues
Topic: Drink water
Replies: 50
Views: 4131

2. regarding the short notice, I have to consider what level of funeral I'm willing to pay for to go home. Dad, maybe brother. that's about it. I'm not paying $3K to see just any dead relative. I think most airline companies will give you 10% off if you provide a copy of the death certificate.
by simplesimon
Mon Jun 13, 2011 10:32 pm
 
Forum: Personal Consumer Issues
Topic: What's the most you ever paid for a coach airline ticket?
Replies: 44
Views: 3008

detroitbabu wrote:I do not think Lebron's problem is physical. It is not that he can not post up or he can not play with his back to the basket. The problem is in his mind. At crunch time he defers to others when he has the best chance of making a play.


I agree. He didn't have this mindset in Cleveland though.
by simplesimon
Fri Jun 10, 2011 10:44 am
 
Forum: Personal Consumer Issues
Topic: NBA playoffs
Replies: 124
Views: 8969

wbond wrote:Miami needs to hire a big man coach to teach LeBron how to play with his back to the basket this off season.


Didn't Kobe only do this last year?
by simplesimon
Fri Jun 10, 2011 1:48 am
 
Forum: Personal Consumer Issues
Topic: NBA playoffs
Replies: 124
Views: 8969

Yes, with invested dividends.

Without dividends should be easy enough to figure out?
by simplesimon
Tue Jun 07, 2011 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Historical Returns with / without dividends rein
Replies: 7
Views: 1664
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