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Re: How to handle a company that won't honor a warranty?

I'm assuming you didn't buy treadmill directly from manufacturer. Dealer would have more leverage with manufacturer than a single consumer. Have you tried contacting your dealer as well? If still no resolution, as a next step, you can complain about dealer's lack of support on sites such as Yelp, a...
by zaboomafoozarg
Tue Jul 29, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1354

Re: How to handle a company that won't honor a warranty?

Please provide a link to the product's warranty information online (or, the product), that would help clarify. Here is a link to the warranty page scanned from the product manual: http://i.imgur.com/PxKivs6.jpg . It is a Smooth Fitness 7.6 HR Pro treadmill. And thanks everyone for all the suggestio...
by zaboomafoozarg
Tue Jul 29, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1354

How to handle a company that won't honor a warranty?

I'm trying to see if I can get a free replacement part for my under-warranty treadmill, but not having much luck so far. The treadmill is 4 years into a 5 year warranty on parts & electronics, and a month ago some of the buttons on the console stopped working so you can't actually start the trea...
by zaboomafoozarg
Tue Jul 29, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1354

Re: The Best Health Savings Account Custodians?

Where I was previously employed, you had to use the employer's official HSA if you wanted that money to be deducted from SS and Medicare taxes as well as income tax. So I used HealthEquity, but their investment choices weren't very good. From what I've read, people think that HSA Administrators and ...
by zaboomafoozarg
Tue Jul 29, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Best Health Savings Account Custodians?
Replies: 2
Views: 398

Re: Bank account to teach kids

rkhusky wrote:
flyingbison wrote:Unless you are talking about large sums of money, why bother with a bank at that age. Just set up a spread sheet and you can be the bank.

This is what I do and I pay 5.25% interest, just like I used to get.


Are you accepting deposits?! :D
by zaboomafoozarg
Mon Jul 28, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank account to teach kids
Replies: 8
Views: 337

Re: Do any boggleheads invest in individual companies?

bberris wrote:NIce! Do you just call Geico to get the discount?


Yep, I couldn't find a way to do it online, so I just called them and they gave me the discount. That was a couple years ago, and by now the discount has just about paid for the share I bought.
by zaboomafoozarg
Mon Jul 28, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 85
Views: 4483

Re: Do any boggleheads invest in individual companies?

I own 1 share of BRK.B, just to get the 8% discount on my Geico bills :D In 2009/2010, I did invest in several companies which I thought would rebound faster than the whole market - Ford, Bank of America, Harley Davidson, Citibank, American Capital. 3 years later, the market had outperformed my sele...
by zaboomafoozarg
Mon Jul 28, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 85
Views: 4483

Re: Vanguard eliminates transaction fees on Int'l small cap

livesoft wrote:This will probably mean that VSS will trade closer to the NAV, too. Maybe that's why VSS closed up today when others closed down. :)


I hope so, that bid/ask spread was basically adding the mutual fund purchase fee onto VSS.
by zaboomafoozarg
Sun Jul 27, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 24
Views: 3512

Re: Reaching Severe Burnout - Can I Scale Back Career?

My plan was always to keep gunning it until we had a 500K net worth, and then scale back to something that ideally I actually enjoy. Just this year, we reached a net worth of $600K ($350 tax deferred, $250 taxable, no home ownership). Years ago I thought this would be enough but now that I'm there ...
by zaboomafoozarg
Thu Jul 24, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 48
Views: 5040

Re: Over-contributing to 401k

Figuring it out myself might be tedious. I'm trying to figure out how looking at two paychecks and adding one number from each would be tedious. Perhaps it is though. Nope, not tedious. I'm switching jobs as well, and just figured out the new percentage I'd need using Google as a calculator. 17500 ...
by zaboomafoozarg
Thu Jul 24, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-contributing to 401k
Replies: 4
Views: 721

Re: Predict: S&P Doubles or Halves First?

Just wait until shortly before the Big Rip! The distance from your brain to your toes will be so far, and will be inflating so rapidly, that even if nerve impulses traveled at the speed of light, which they don't, no informational round trip will be possible. So long, toes! PJW I actually just read...
by zaboomafoozarg
Wed Jul 23, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2701

Re: Predict: S&P Doubles or Halves First?

Phineas J. Whoopee wrote:Really? The entire (future) history of the Earth? From 2000 on? All your other time periods ended. This one won't? :happy
PJW


I bet nothing is quite as disappointing as living during the end of a time period.
by zaboomafoozarg
Wed Jul 23, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2701

Re: I'm a genius!

You write a book and I'll buy it!

(note: printing out posts from bogleheads.org and stapling them together doesn't count as a book :D )
by zaboomafoozarg
Mon Jul 21, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 19
Views: 5156

Re: What to do in a market correction

Those all sound like good what-to-dos if you are in or near retirement. I am still accumulating so wouldn't do #1 or #3.

I do have some extra cash that I would probably invest, per #5. Right now it's part of my emergency fund, but that's about double the size I need it.
by zaboomafoozarg
Sun Jul 20, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3075

Re: What to do in a market correction

livesoft wrote:I'm going to add more penguin to my asset allocation in the next market correction.


What's the correlation coefficient between penguin and other major asset classes?
by zaboomafoozarg
Sun Jul 20, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3075

Re: Should I use margin to buy a balanced fund?

Khanmots wrote:I think market timer's old thread should be required reading for anyone looking to use leverage.


That thread belongs in the Thread Hall of Fame.
by zaboomafoozarg
Sun Jul 20, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 188
Views: 9460

Re: Faber: S&P 500 an Active Fund in Drag

The diffference between --impure indexing, the S&P 500 (Vanguard 500 Index Fund, VFINX, blue) and --pure indexing, (Vanguard Large-Cap Index Fund, orange) is fingerbreadths. The difference between either of them and --Faber's Global Tactical ETF, GTAA (green) is cubits. http://s23.postimg.org/i...
by zaboomafoozarg
Sun Jul 20, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3531

Re: Nuts and bolts - In-Service After Tax Rollover to Roth I

Do you contribute 43.5K to the 401k (17.5 pretax and 26k after tax) and then roll the whole after tax piece to the IRA? That is correct. Of the few employers that make this type of rollover possible, the after-tax amounts they allow vary. My employer allows a maximum of 10% of salary to be contribu...
by zaboomafoozarg
Thu Jul 17, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nuts and bolts - In-Service After Tax Rollover to Roth IRA
Replies: 16
Views: 975

Re: Parents are behind. Total asset allocation advice (56 &

Both parents are ceasing 401k contributions in favor of Traditional IRA contributions. Be very careful here. I THINK that if you are covered by a 401k then you cannot deduct your Traditional IRA contributions. I found the IRS document in the past to back this up but I cannot find it now. Can someon...
by zaboomafoozarg
Thu Jul 17, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Parents are behind. Total asset allocation advice (56 & 51)?
Replies: 26
Views: 3481

Re: Millennials (with jobs) are super-saving their retiremen

I try to save a lot because of articles like Berstein's "Retirement Calculator from Hell": http://www.efficientfrontier.com/ef/103/hell4.htm Things seem like they are bound to get worse, not better, and as Berstein says: The X-ers, and those coming after, will have a much harder time of it...
by zaboomafoozarg
Wed Jul 16, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9201

Re: [Poll] Are you more risk averse than average?

Yeah, I think so. At least indicated by all the 100% stock threads. I won't go below 25% or higher than 75%, so right now I'm at 75/25 stocks/bonds. At the age of 30, that probably puts me among some of the highest bond allocations for my age band. Suits me just fine though. Planning to increase bon...
by zaboomafoozarg
Sun Jul 13, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2629

Re: What after-tax income could you live on today?

I usually spend about $25k each year (unless I make a big purchase like a car, which is an every 10 year thing).

Over $90k is the most popular option? Didn't realize so many people here were living the high life! :D
by zaboomafoozarg
Sun Jul 13, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5047

Re: List of Worst financial advice (what not to do):

VictoriaF wrote:The worst financial advice is to focus on finances to the detriment of everything else, especially health and happiness.

Victoria


Oops :(
by zaboomafoozarg
Thu Jul 10, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16108

Re: Age of Bogleheads with HSA/HDHP

I just started an HSA this year and was planning to use it as a stealth IRA, but I appear to be on the verge of switching to a new job that only has a low-deductible health plan. Ah well, I got a couple thousand into it at least.
by zaboomafoozarg
Thu Jul 10, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age of Bogleheads with HSA/HDHP
Replies: 15
Views: 2044

Re: When do you "limit" saving and start to spend more?

I never limit saving, I limit spending and save everything that I didn't spend.

My spending hasn't gone up (aside from inflation and a couple of larger necessary purchases) since I graduated from college. This has allowed me to save 4x as much as I was able to just a few years ago.
by zaboomafoozarg
Wed Jul 09, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3891

Re: stocks about to plunge

Image
by zaboomafoozarg
Tue Jul 08, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: stocks about to plunge
Replies: 39
Views: 7699

Re: Easy careers to last me to retirement?

Gambler wrote:sitting in front of my computer reading Boggleheads.org :P

i have no more ambition. i think I'm burnt out.
all i want to do now is drift to Age 60.


Hey, that sounds like me, but I'm only 30. I just need to find a way to drift to 43! :D
by zaboomafoozarg
Sun Jul 06, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13682

Re: Retirement age for software engineers

http://blog.codeeval.com/codeevalblog/2014 More Python than Java and C# combined? And 10 times more Python than PHP? That certainly doesn't match any job market I have worked in or looked into. I do need to start getting some experience on the .NET stack, but Microsoft's business model has always k...
by zaboomafoozarg
Sun Jul 06, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9470

Re: Retirement age for software engineers

KyleAAA wrote:What area are you in? I can easily find you some. For Ruby, at least. The JVM languages don't seem to have caught on, although I see Groovy on Grails jobs pop up every once in a while.


Cleveland area. I would love for a Grails job to come here, but the closest I've seen one is Columbus.
by zaboomafoozarg
Sun Jul 06, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9470

Re: Retirement age for software engineers

C is an increasingly niche language and so is Java. At least where I live, Java isn't a niche language. There are slightly more Java jobs than C# jobs, and 5 times the amount of C jobs. I would love to be able to find a developer job that uses another JVM language like Groovy, Scala or Clojure. Or ...
by zaboomafoozarg
Sun Jul 06, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9470

Re: Do you tell your kids how much you make?

My parents were very open with me about their finances as I was growing up, and I'm very grateful because that is how I learned about how that part of the world works. Same here. Everyone in my immediate family has always discussed income (starting at an age where they understand not to share the i...
by zaboomafoozarg
Sun Jul 06, 2014 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5981

Re: How are you doing through the first half of 2014?

I assume it's up a few percent, but I haven't calculated it - I've had no desire to know and it wouldn't influence how I'm investing if I did know.
by zaboomafoozarg
Wed Jul 02, 2014 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9351

Re: Poll: Dave Ramsey - Harmful or helpful?

I don't like his investing advice, but I have a number of friends who went from living paycheck-to-paycheck to using an emergency fund, budgeting and investing after they attending something he did. They might be paying too much in fees or taking too much risk with their investments based on his adv...
by zaboomafoozarg
Fri Jun 27, 2014 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5077

Re: Retirement age for software engineers

Every other developer and DBA on my team are > 45 years old, but I hope to be FI by about that age. I just don't know if I'll be able to continue much past that age, as I'm already burned out as it is.
by zaboomafoozarg
Wed Jun 25, 2014 12:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9470

Re: Guaranteed profit from forex trading

A friend of mine talked about it. He quit his job because he'd done well enough on paper for a few months that he wouldn't need a job anymore.

Annnnnnnd 6 months later he was working a job again :D

Edit: LOL, that site is so bad.
by zaboomafoozarg
Mon Jun 23, 2014 1:21 am
 
Forum: Investing - Theory, News & General
Topic: Guaranteed profit from forex trading
Replies: 14
Views: 1316

Re: Should international travel impact your investments?

InvestorNewb wrote:there were times where I said things to myself like "This is why some folks keep 100% of their investments in the US" or "The S&P 500 is really all you need".


Wait, what about Canada?
by zaboomafoozarg
Wed Jun 18, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Should international travel impact your investments?
Replies: 30
Views: 1875

Re: My HSA Investments Suck

I just use 100 percent in BALFX, as it appears to be the best stock fund of the bunch.
by zaboomafoozarg
Tue Jun 17, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: My HSA Investments Suck
Replies: 7
Views: 739

Re: No bonds at all.

It all depends on your willingness to take risk.

I prefer having no less than 25% of my money in bonds - it helps me sleep at night. If I have to save more, so be it.
by zaboomafoozarg
Tue Jun 17, 2014 12:06 am
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11871

Re: Developing a sound framework for optimal asset allocatio

rca1824 wrote:For just a little bit more effort on my part, I can guarantee they never have to suffer for lack of money.


Unless they blow it all in 10 or 20 years :twisted:

I am trying to save enough to do the same, but I don't want to leave so much that they won't need to work.
by zaboomafoozarg
Sun Jun 15, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Developing a sound framework for optimal asset allocation
Replies: 44
Views: 2729

Re: Developing a sound framework for optimal asset allocatio

Have you tried adding black swan events in your calculations, to see how something like that would change the outcome? Yes, I know they're unlikely, but that's part of the reason I'm not 100% stocks even though I'm more than 15-20 years out from possible retirement. If your goal is solely to live a ...
by zaboomafoozarg
Sun Jun 15, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Developing a sound framework for optimal asset allocation
Replies: 44
Views: 2729

Re: Is the first million really the hardest?

abuss368 wrote:I have always enjoyed reading Boglehead threads like these.


They are entertaining :) But they make me feel like I'm not working hard enough to make as much as I can. That's probably a good thing, though.
by zaboomafoozarg
Fri Jun 13, 2014 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7770

Re: possible to have TOO MUCH in 401k account?

If returns are low going forward as is expected, then having too much in tax-deffer probably won't be as much of a problem as it was in the past. Expected by whom? I don't think last year's 30% gain in the S&P500 was expected by too many people. You haven't been reading Financial P*rn again, ha...
by zaboomafoozarg
Thu Jun 12, 2014 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 7229

Re: 401K employer match. Do you have that?

Only a 3% match :( But they also do a pension.
by zaboomafoozarg
Sat Jun 07, 2014 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 2274

Re: possible to have TOO MUCH in 401k account?

If returns are low going forward as is expected, then having too much in tax-deffer probably won't be as much of a problem as it was in the past.
by zaboomafoozarg
Fri Jun 06, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 7229

Re: John Bogle's son John

Wildebeest wrote:The graph is great.
Does this comparison include the ER? BOGLX of 1.35 versus VISGX of .24? If not, I would be very appreciative If you would do the graph again if the ER is included in the return (I do have graph envy).


Just go to morningstar's website, it looks like this is one of their graphs.
by zaboomafoozarg
Sun Jun 01, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's son John [Bogle Investment Management]
Replies: 22
Views: 3500

Re: BOGLEHEAD CONTEST -- S&P at record high.

Boglenaut wrote:I was just thinking how lucky we are my prediction is off.

My prediction was the market would dip and we would be lucky to close the year essentially unchanged. Do I lose my prediction certificate?


The year is yet young, you could still be right!
by zaboomafoozarg
Fri May 30, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 16
Views: 2829

Re: How many of you negotiated benefits with a new job?

munemaker wrote:Vacation is easy to negotiate, since there is no out of pocket cost to the company. Ask for what you were receiving at your last job when you left.


Agreed, I was able to get the vacation increased on the last job offer I received.
by zaboomafoozarg
Mon May 26, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How many of you negotiated benefits with a new job?
Replies: 25
Views: 2459

Re: It’s Twilight for Managed Mutual Funds

Team Edward or Team Jacob?

Neither, Team Jack :D
by zaboomafoozarg
Wed May 21, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: It’s Twilight for Managed Mutual Funds
Replies: 23
Views: 2479

Re: The Mega Backdoor Roth IRA

Can someone please explain to me why this is such a good idea? I am in the 39.6% bracket. Why would I want to pay that tax now on money that I was able to invest pretax up to 52K in a solo401K instead. I assume when I retire I will be in a much lower bracket. I really must be missing something. -Be...
by zaboomafoozarg
Mon May 19, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 84
Views: 12459
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