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Re: Have you ever been let go?

29 years old, five weeks of true unemployment with an additional two weeks between signing the new offer and the official start date. It felt very bad at the time, but I landed in a role that was essentially a promotion - better pay, better hours, better company, better people. I reached out to my n...
by simplesimon
Tue Dec 09, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5479

Re: Family jewels, kind of.

Thanks for taking the time for your input everybody. Greatly appreciated.
by simplesimon
Sun Dec 07, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Re: Family jewels, kind of.

I agree in that I believe they think they are doing me a big favor because I'd be buying it "at cost" so it must be a big discount. I also think that they have these diamonds in the hope that their only daughter will have one on her ring someday, but I'm not sure how strongly they feel abo...
by simplesimon
Sat Dec 06, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Re: Family jewels, kind of.

As a wife and former fiance, I can tell you I have never worried about putting my diamond ring under a microscope to check for clarity. It is the sentiment and setting that matters far more to me. I also was delighted with the ring/setting my husband chose (as a surprise). It is perfect. Love the n...
by simplesimon
Sat Dec 06, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Re: Family jewels, kind of.

The surprise would pertain to the timing of the proposal. If she knows that I've spoken to her parents then she'll know that a proposal is coming soon. But point taken about whether or not the diamonds staying in the family mean anything to her. My feeling is it doesn't. Her folks told me that they ...
by simplesimon
Sat Dec 06, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Re: Family jewels, kind of.

I want to add that while I know a bit about how the diamond market works, I'm almost certain they don't. I'm not about to explain the industry to them to justify not wanting to buy a diamond from them.
by simplesimon
Sat Dec 06, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Re: Family jewels, kind of.

My girlfriend mentioned that her parents have diamonds but didn't sound set on having those in particular. She mentioned this was back when we discussed marriage and when I said I wanted her to tell me what kind of setting she wanted. Since I want the proposal timing to be a bit of a surprise, I hav...
by simplesimon
Sat Dec 06, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Family jewels, kind of.

So I asked my girlfriend's parents for their blessing for marriage. They gave it to us and were very happy for us. Later they told me that they happen to have a few diamonds in a security box if I wanted to purchase them for what they purchased them for in 1999. They sent me the appraisals for them ...
by simplesimon
Sat Dec 06, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3319

Re: Update: 6 years into Buffett's Bet With Hedge Funds

Just to keep the discussion real, I fail to think of a circumstance where taking 20% of gains could generate 379 in fees with only 70 going to investors. I suppose its possible if overall returns are very low and you take the 2% fees into account. Just did some quick back of the napkin math so corr...
by simplesimon
Thu Dec 04, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 2729

Re: GMAT prep

All I used was the GMAC study book and spent 2 hours per day every day after work studying. I alternated between verbal and math. What I did was run through a whole bunch of practice problems and went back to the ones I got wrong and figured out why I got it wrong. Rinse and repeat for 2 months. For...
by simplesimon
Wed Dec 03, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: GMAT prep
Replies: 23
Views: 1564

Re: Helping adult child understand investing

It doesn't sound like she wants to read and do it herself. She wants an adviser that isn't you. I'd research advisers in the area that have Boglehead philosophies and fair pricing structures and recommend that she meet with them. I know at least one adviser that does video conferencing so that they ...
by simplesimon
Mon Dec 01, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult child understand investing
Replies: 23
Views: 1855

Re: 2014 Harvard U. Annual Endowment Report

Thanks for posting! 1) Look at that chart of 20-year "growth of $1,000", particularly the total return of the 60/40 portfolio. 2) Read their discussion of performance for investments in publicly traded securities. I know I'm preaching to the choir, but how can so many average investors sti...
by simplesimon
Fri Oct 03, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: 2014 Harvard U. Annual Endowment Report
Replies: 14
Views: 2367

Re: Poor Janus, a look at this once high flying fund family

Isn't saying the funds performed in the 97th or 94th percentile mean they did better than 96% and 94% of funds, respectively?
by simplesimon
Fri Aug 29, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7901

Re: TaxAct - amending 2012 return

I ended up paying the $14 fee and the process was relatively painless and the 1040X generated looks good. I couldn't seem to get it to generate the Form 8606 I needed so I had to go do that part myself.
by simplesimon
Thu May 29, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct - amending 2012 return
Replies: 2
Views: 311

TaxAct - amending 2012 return

I got a notice from the IRS saying I owed them some money. After doing some research and looking at what I filed via TaxAct last year, I realized a) I needed to file a form 8606 for a partial Roth IRA recharacterization and b) I actually over-stated the taxable amount of the Roth conversion and shou...
by simplesimon
Wed May 28, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct - amending 2012 return
Replies: 2
Views: 311

Re: Books for someone who is not that interested

I second (or fourth now I guess) Ramit Sethi's I Will Teach You To Be Rich.

A young coworker who just graduated college and started at my company asked me about personal finance and this is what I recommended to him.
by simplesimon
Thu May 15, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3906

Re: Any benefit to a prenup for us?

Not to hijack the thread, but to the lawyers and statisticians: are couples more likely to get divorced when a pre-nup has been signed?
by simplesimon
Wed May 07, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4286

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

I took an investments course with the illustrious Zvi Bodie who has posted on this forum.

My macroeconomics professor David Griswold, who runs his own financial planning shop, had the Bogleheads book on the shelf in his office. Legitimized the whole operation in my eyes!
by simplesimon
Thu Apr 10, 2014 7:48 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 12898

Re: When to invest $5,500 in Roth IRA in 2014?

With the way the market's performed, 70% of my $5,500 contribution is going into total bond fund because of rebalancing. Stick with your plan.
by simplesimon
Thu Jan 02, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 53
Views: 5351

Re: Mega Millions jackpot to $636 million

Probably not. But I did hear in one news report, that the more people buy tickets, that the odds get worse. Doesn't the odds remain the same no matter how many people buy a lottery ticket? They probably meant that the likeliness of splitting the jackpot with another party w/ a winning ticket goes u...
by simplesimon
Tue Dec 17, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 4321

Re: New company health plan, seeking advice

I am in my sixth year with an HSA and haven't withdrawn a dollar from it. The HSA is now large enough that I have a brokerage account with a stock ETF, and I'll probably make another purchase in that brokerage account once I make a big contribution next January. Do you keep your bills/receipts in a...
by simplesimon
Fri Dec 13, 2013 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 588

Re: New company health plan, seeking advice

Thanks all. I think I'll charge it to my CC and then get reimbursement to get the rewards.
by simplesimon
Thu Dec 12, 2013 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 588

Re: New company health plan, seeking advice

My concern with saving the receipts is that I might lose them via fire, theft, or my own stupidity.
by simplesimon
Wed Dec 11, 2013 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 588

New company health plan, seeking advice

My company is switching to a new health plan that is an HDHP and had us open an HSA. My plan has a $1500 deductible. The company fully funds the $3300/yr in the HSA. I'm 28, healthy, and don't expect many medical expenses except for the usual health, dental, vision check-ups. I contribute the max in...
by simplesimon
Wed Dec 11, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 588

Re: "The 'Wal-Mart of the ETF World is Raking in the Assets"

Did not know the structure of ETF's being a separate share class of the mutual funds to create economies of scale was actually patented. That sounds like a huge first-mover advantage.
by simplesimon
Fri Dec 06, 2013 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: "The 'Wal-Mart of the ETF World is Raking in the Assets"
Replies: 20
Views: 3137

Re: New 401k - Advice

Or just contribute what you can afford early and if you hit max before the end of the year, then save the leftover for a rainy day. I assume you maxed your IRA/Backdoor-ROTH as well, right? About 50% of my salary is commission based and variable, so I set my rate roughly to reach 17.5k by about sep...
by simplesimon
Wed Dec 04, 2013 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 384

Re: New 401k - Advice

Done and done. Spreadsheet created. Greatly appreciate the help!
by simplesimon
Tue Dec 03, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 384

Re: New 401k - Advice

Hi Victoria, Bonus comes in around February of the next year. It's not predictable for me, but I think I'll know what it is in December. I will call Fidelity and see if they can do a fixed amount, although if the match is included in the bonus, I might miss out on that part of it. I'll check with th...
by simplesimon
Tue Dec 03, 2013 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 384

New 401k - Advice

I’ve become eligible for the 401k plan at work and wanted to seek the collective wisdom of the board to see if there is anything that I haven’t thought of on how to set up contributions. Objective: To contribute the full $17,500 for the year and get the full company match. 401k administrator: Fideli...
by simplesimon
Tue Dec 03, 2013 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Advice
Replies: 6
Views: 384

Re: Brooks Brothers outlet vs retail

As someone who has several pairs of AE's and are very happy with them (although I worry about the future of the company and may look to Alden if AE takes a quality turn for the worst), I agree with all of the above.
by simplesimon
Wed Nov 27, 2013 10:59 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 6504

Re: Brooks Brothers outlet vs retail

No, the corporate discount doesn't stack from my experience.

I rarely use the corporate discount except on those special sales I saw recently and when in an emergency, e.g. when I forgot to pack a belt on a business trip.
by simplesimon
Wed Nov 27, 2013 10:19 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 6504

Re: Brooks Brothers outlet vs retail

For what it's worth, over the last two months I've seen 2 sales advertised as "30% off with Corporate Membership" which includes, from what I've looked at, shell cordovan shoes, belts, and bags. Great deal for their top of the line stuff. I've never been to an outlet store, but I like the ...
by simplesimon
Wed Nov 27, 2013 9:35 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 6504

Re: Converting to Safety Razors

I made the switch two years ago, although I only shave about once every 3 days (i don't get much facial hair). I got a nice Merkur razor. Similar to an above poster about getting stuff confiscated by TSA, I've had my Proraso soap taken away as well. When I travel I buy really cheap disposable razors...
by simplesimon
Tue Nov 19, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 4318

Re: Why do TIAA CREF index funds have such high fees?

I don't know how people lived with themselves paying a 0.56% ER on Vanguard SP500 Index Fund.
by simplesimon
Mon Nov 18, 2013 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why do TIAA CREF index funds have such high fees?
Replies: 19
Views: 1801

Re: google does math

A couple of days ago Google's home page paid homage to Shakuntala Devi, human calculator.
by simplesimon
Thu Nov 07, 2013 9:49 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4200

Re: Travel for work expense reporting

Thanks everybody! Great to hear peoples perspectives.
by simplesimon
Tue Oct 01, 2013 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 685

Travel for work expense reporting

If your company said you could spend $25 for breakfast, $50 for lunch, and $75 for dinner, would you spend the max? The policy at my job states that receipts must be provided and meals are to go towards only the individual unless its with business clients. As a Boglehead, my individual meal expenses...
by simplesimon
Mon Sep 30, 2013 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 685

Re: Get an MBA or Invest?

How flexible is an MBA for the future should I decide to switch career paths? I would probably get an MBA in a management type concentration since it seems in keeping with my current career path. But should I decide I want to become a financial advisor or investment banker one day, would I probably...
by simplesimon
Fri Aug 30, 2013 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 3725

Re: Get an MBA or Invest?

I think you recognize that if you become a commodity, you become expendable. I don't think an MBA on your resume will necessarily improve your position, but it definitely will give you the business education and "more tools in your toolbox" (MBA's love tools) to help you think about the bi...
by simplesimon
Fri Aug 30, 2013 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 3725

Re: Falling behind the age / salary curve?

You will have to decide what's worth it to you. Certainly the best way to get max pay is to hop around companies, but there was a similar thread that talked about how you lose out on relationships and having the "go to" guy reputation that you might otherwise have established if you stayed...
by simplesimon
Fri Jul 26, 2013 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Falling behind the age / salary curve?
Replies: 31
Views: 3753

Re: A Boglehead in the NFL????

I've been a big fan since last season after seeing how he started out (3rd string RB in a Mike Shanahan offense) and stepping up when the opportunity was given to him. I had read that he drove an old 626 and it brought back memories of the old Camry I drove in college. I hope he's able to stick with...
by simplesimon
Fri Jul 26, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: A Boglehead in the NFL????
Replies: 13
Views: 1829

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 6:32 am
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1354

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 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1354

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 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1354

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 9:51 am
 
Forum: Personal Consumer Issues
Topic: Getting a used car
Replies: 14
Views: 1354

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 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 11065

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 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 11065

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 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: For those with conservative portfolios
Replies: 12
Views: 1042

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 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Need a good book on negotiating
Replies: 24
Views: 1924

Rebalanced today

...was the highlight of my day.
by simplesimon
Thu Mar 14, 2013 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalanced today
Replies: 22
Views: 2627
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