Search found 259 matches

by 2pedals
Wed Nov 22, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 135
Views: 7203

Re: Help DW gets fired, but then next day her boss offers her job back

I also vote for "don't go back, no matter what." How insulting of her boss to fire her, then ask her to come back (!) at 25% reduced pay (!!). I also have to say that, from an outsider's perspective, it certainly looks suspicious that they tried to fire a new mother who has presumably just returned...
by 2pedals
Wed Nov 22, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 135
Views: 7203

Re: Help DW gets fired, but then next day her boss offers her job back

If it were me, I don't think I would ever go back. Her boss fired her and want to hire her back at less pay and less benefits. They have vicious intentions. Keep a copy of the pink slip and new offer, it might help her explain things when looking for a new job.
by 2pedals
Wed Nov 22, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 19
Views: 701

Re: Slanting International geographically or regionally

Why would you think this would improve your returns?
by 2pedals
Wed Nov 22, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 26
Views: 1317

Re: Interesting ride so far - Crypto-curriencies

I see the word here used as an "investment". Holding cryto-curriencies is not an "investment", it is "speculation". I believe it is dangerous to confuse the two. Do not confuse speculation with investments and not change your investment plan, it could be harmful to your future.
by 2pedals
Tue Nov 21, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Tax Basics Cheatsheet?
Replies: 8
Views: 975

Re: Tax Basics Cheatsheet?

I have this sneaking suspicion that very rich little boys and girls get a talking to early in their lives from their parents that instills in them what numbers to look for and whether to know if that's a good thing or a bad thing. :D Even if true, why would you care? If you are not rich your taxes ...
by 2pedals
Mon Nov 20, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2017

Re: Looking for Black Friday tax software deals (HRBlock)

This post by DarkNyte on Nov. 11 has a link to a discount

viewtopic.php?t=232071
by 2pedals
Fri Nov 17, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Why is there talk of a bond bubble?
Replies: 8
Views: 904

Re: Why is there talk of a bond bubble?

I wouldn't say it's a bubble. I think most investors like me are a worried that the interest rates are historically low. If the federal reserve raises the discount rate interest, bond yields will increase and result with lower bond prices. The federal reserve has been slowly raising the discount ra...
by 2pedals
Fri Nov 17, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: Why is there talk of a bond bubble?
Replies: 8
Views: 904

Re: Why is there talk of a bond bubble?

I wouldn't say it's a bubble. I think most investors like me are a worried that the interest rates are historically low. If the federal reserve raises the discount rate interest, bond yields will increase and result with lower bond prices. The federal reserve has been slowly raising the discount rat...
by 2pedals
Wed Nov 15, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding between Wellesley and 4 Corporate Bond Index Funds
Replies: 14
Views: 1546

Re: Help deciding between Wellesley and 4 Corporate Bond Index Funds

I'm looking for some advice Have 300k to invest, primary goal is preservation - income. Trying to decide between going with 50K Prime Money Mkt And 25% each to: VSCSX Short Corp Bond VICSX Int. Corp Bond VFIIX GNMA VWEHX High Yield OR: Perhaps adding the Wellesley Income Fund also? I think you set ...
by 2pedals
Sun Nov 12, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1831

Re: Are we headed for a crash or...

Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting. https://www.beacontechnologies.com/blog/wp-content/uploads/2014/02/17-year-stock-market-cycle.jpg The beginning is now, but nobody knows nothing Nobody knows nothing is a double nega...
by 2pedals
Sun Nov 12, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1831

Re: Are we headed for a crash or...

Bigbonds wrote:
Sun Nov 12, 2017 12:35 pm
Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting.

https://www.beacontechnologies.com/blog ... -cycle.jpg
The beginning is now, but nobody knows nothing
by 2pedals
Sat Nov 11, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 2610

Re: My favorite bond portfolio

I am intrigued however by having the 3 different funds instead of 1 Total Bond Fund, for the fact that these 3 bond funds will behave in different ways at different times, and it might be nice to have your choice of fund to pull from, in the event that you want to rebalance, or you need to withdraw...
by 2pedals
Thu Nov 09, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 13026

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

How about fund that includes all of the nondividend stocks (TSM-Div. stocks) that can be placed in a taxable account and a fund that includes all of the the dividend stocks (TSM-nondividend stocks) that can be placed in a tax advantaged account?
by 2pedals
Tue Nov 07, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5344

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by 2pedals
Fri Nov 03, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: History of World Stock Market Bubbles, 1900-2014
Replies: 38
Views: 3410

Re: History of World Stock Market Bubbles, 1900-2014

Simplegift, thanks for the post

Good to know that nobody knows nothing. Now the question I have is why do the fund managers and gurus get paid so much for knowing nothing? The people forking over the dough know just as much as the gurus.
by 2pedals
Tue Oct 31, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: portable propane heater that's easy to turn on?
Replies: 10
Views: 648

Re: portable propane heater that's easy to turn on?

I have had one for years. Works great but sometimes you have to depress the knob more than once to purge the air especially when you attach a new propane bottle.
by 2pedals
Tue Oct 31, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8855

Re: My 401k is almost all cash now. 1/2 Mil

I would spend a lot of time defining an investment policy statement . Take a good look at what you expect to see in the future. When do you want to retire, what are your expenses, do you have any debts, do you have a pension plan in addition to your 401K, other sources of income, etc ,,, etc. ? You ...
by 2pedals
Sun Oct 29, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8981

Re: we bought a house - are we housepoor now?

I think it will be hard for you to save and invest for years to come. Why do you ask after the deed is done?
by 2pedals
Sun Oct 29, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15118

Re: What was the main reason you retired?

Not retired yet, target date is Jan 2019. All of the reasons mentioned but not forced out yet. The biggest reason the company is changing the defined benefits plan, sick of sitting at in my cubicle (I want to have more time for exercise and outdoor activities) and office politics.
by 2pedals
Sun Oct 29, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1581

Re: PA Speeding Ticket?

Hi Bogleheads, .<cut>. f irst speeding ticket ever . The cop pulled me over in this backroad at night claiming I was doing 55mph in a 35 zone. He came back and wrote it up as doing 40mph in a 35 zone and said no points would be awarded against my license. He made it seem like he was giving me a bre...
by 2pedals
Wed Oct 18, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2520

Re: Credit scores fell this month a lot for no reason

I had a perfect FICO score of 850 for years. After I paid off my home loan early my FICO score dropped to about 760. It has slowly worked it's way back up to 800. I payed off my home loan early, never had a late payment my whole life (now 58 years old), significant savings and my income has gone up ...
by 2pedals
Wed Oct 18, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6609

Re: Larry Swedroe:Better To Face The Correction

Excellent article by Larry. Many good reasons we should not get fooled into the trading and timing gurus ideas.
by 2pedals
Tue Oct 17, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 7186

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I got a kick out of the subtitle:
Critical information for the U.S. trading day
I guess since the U.S. trading day is over this information is no longer critical. :annoyed

In other news today "Alien life likely to be found on planet X, soon, maybe later".
by 2pedals
Mon Oct 16, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12384

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I think you are treating Bogle's words like a Rorschach test. What he actually said was to bring your balance back to where it was before stocks increased drastically if you are nervous. Balance could mean your absolute holding, not a precentage asset allocation. He does not believe in rebalancing,...
by 2pedals
Sun Oct 15, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12384

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

So what is it or isn't. Jack Bogle suggested to make moderate adjustments to your asset allocations. It's the same advice if it was or wasn't fully valued. For me, adjusting my asset allocation would involve adjusting my target for rebalancing. But Bogle is against rebalancing, so there is no targe...
by 2pedals
Sat Oct 14, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12384

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

So what is it or isn't. Jack Bogle suggested to make moderate adjustments to your asset allocations. It's the same advice if it was or wasn't fully valued.
by 2pedals
Sat Oct 14, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 100
Views: 21285

Re: How Do You Like My New 'Doo

Nedsaid I really do appreciate you sharing your experiences with me and other Bogleheads. When I was younger, I was thinking that I could out smart the market. I did at times but I made some very serious mistakes in the 2008 drop. I did not understand how much a big market drop would scare me. I thi...
by 2pedals
Sat Oct 14, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10716

Re: anyone else not liking the new cars?

just frank wrote:
Sat Oct 14, 2017 8:00 am
If it makes you feel better....those new cars will likely have terrible resale too after EVs take over.
I predict the trade-in value of my 1994 Plymouth will drop from $354 to $339 in a few years.
by 2pedals
Sat Oct 14, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10716

Re: anyone else not liking the new cars?

I dislike the front grill look on many of the new cars, but I would buy any of them if in the market.
by 2pedals
Sat Oct 14, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, The Only Way To Beat The Stock Market
Replies: 5
Views: 2452

Re: Jack Bogle, The Only Way To Beat The Stock Market

Great interview even though the interview date is Nov. 2012 it is timeless.
by 2pedals
Tue Oct 10, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Personal advice
Replies: 13
Views: 1843

Re: Personal advice

The concept of moving from medical trainee to a million dollar income seams a bit much like a pipe dream to me. I think you need a realistically reassess your future business income and expenses.
by 2pedals
Tue Oct 10, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5729

Re: Pension Freeze - What did you do?

The weakest companies that have defined benefit pension plans gave up on them years ago. Companies that are moving to a defined contribution plan may or may not be financially stable. Today's companies that are transitioning have waited many years to do the transition already unlike the previous cro...
by 2pedals
Sun Oct 08, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Re: Daughter's auto repair shop problems, what should we do now?

It is about 20k people, but nearby is a larger town about 100k people. She went to a "recommended" independent repair shop in the larger town, not exactly convenient.
by 2pedals
Sun Oct 08, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Re: Daughter's auto repair shop problems, what should we do now?

Most Bogleheads recommend 1) leave it alone, it's between your Daughter and the shop, no suggestions on my part are not helpful, i.e. she should learn to handle this on her own 2) most likely a communication issue with the shop and Daughter and the shop is not at fault 3) don't ever go back to that ...
by 2pedals
Sat Oct 07, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Re: Daughter's auto repair shop problems, what should we do now?

After talking to my Daughter today, it was clearly an auto repair bait and switch act. She clearly told the shop NOT to repair anything because she had and old car and was not willing to do too much. She wanted to know the total cost of repair before she put any money into it. She gave them the auth...
by 2pedals
Sat Oct 07, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Re: Daughter's auto repair shop problems, what should we do now?

I'm sure there's some translation errors here. I got a chuckle out of "engine position sensor". The engine is under the hood. I expect it's probably a crank position sensor. Keep in mind that Hyundai has come a very long way since 2000. Back in 2000, they were total crap even brand new. My advice.....
by 2pedals
Fri Oct 06, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Re: Daughter's auto repair shop problems, what should we do now?

Also consider option 6) Offer the car to the shop as full payment for the work that they have done. ( Added: Get it in writing) Assuming that they accept and assuming that " almost worthless" < $800 you should come out ahead. Worth a try but I don't think they will bite. My daughter asked them if t...
by 2pedals
Fri Oct 06, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Re: Daughter's auto repair shop problems, what should we do now?

Your daughter has a 2000 car. It is getting old. The problem is the shop didn't give the costs before doing the work. I think a new car is in the future. Option 5. Don't go back there again. She is 25 and started her first job last year after college and trying save as much money as possible. I did...
by 2pedals
Fri Oct 06, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3530

Daughter's auto repair shop problems, what should we do now?

My daughter went to get her car fixed. 2000 Hyundai Accent almost worthless. She was told she needed new engine mounts in a previous visit and they estimated the cost at $250, but did not repair them. A few days ago in the morning she could not get the car to start. Got a ride to work. She later abl...
by 2pedals
Fri Oct 06, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5729

Re: Pension Freeze - What did you do?

I have a very similar situation, my pension will "partially freeze" (no more service years added to formulation) at the end to 2018. I am 58 and plan to retire after the partial freeze. Many of my colleagues are the planning the same. Large difference in benefit accumulation before and after the par...
by 2pedals
Wed Oct 04, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4357

Re: another 2 comma club member

Welcome to the club and congratulations. Grab a :beer in the bogleheads fridge. Plenty more for new members
by 2pedals
Mon Oct 02, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7804

Re: What will happen if I refuse to pay a medical bill?

Almost positive you signed a patient responsibly form prior you receiving medical services. It will say, you are the responsible party , you are responsible if your insurance company declines to pay for any reason. If you are refuse to pay the bill you will be in violation of the contract you have w...
by 2pedals
Sat Sep 30, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Another Robo Advisor thread
Replies: 31
Views: 2203

Re: Another Robo Advisor thread

Why not invest in a Vanguard LifeStrategy fund or something similar such as Fidelity Asset Manager. Select your asset allocation. Your funds are automatically rebalanced. Not the same as target date funds since you do not have a target date.
by 2pedals
Sat Sep 30, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7804

Re: What will happen if I refuse to pay a medical bill?

I find insurance billing and medical expenses detestable. I get bills three years after having a procedure done that has already been paid for. I get bills for improper codes submitted to the insurance company. I get bills from the doctors office saying my insurance does not cover it and find out la...
by 2pedals
Tue Sep 26, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50447

Re: Equifax customer information leak

Okay, I was just thinking...why Krebs would say place an alert for ChexSystem rather than a freeze like he says to do for the big three and Innovis? He specifically says to place an ChexSystems alert to notify to keep eye out for fraud.
by 2pedals
Tue Sep 26, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50447

Re: Equifax customer information leak

According to Krebs on Security, a freeze at Chex Systems will prevent thieves from opening checking and savings accounts in my name. I assume that it would prevent me from buying certificates of deposit from banks as well. Would this be the case at banks that I already have certificates of deposit ...
by 2pedals
Tue Sep 26, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11779

Re: The Rolex and The Boglehead

I own a nice watch. It also monitors my fitness and heart rate. Love my Fitbit. :D I've owned many gps/hr monitor/step counting/abc mountaineering watches over the years. Fun to use them for a couple months, but the novelty quickly wears off, IMO. The one watch I wear today is a Timex Ironman watch...
by 2pedals
Sat Sep 23, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12180

Re: Lifestyle Creep

I am not sure I understand what lifestyle creep is. I am 58 yo and I never had a great desire to get too "spendy" and keep up with the Joneses. Although easily I could go out buy a luxury vehicle, I still drive economic cars for a very long time (> 15 years) and paid off my mortgage early. Never too...
by 2pedals
Sat Sep 16, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5306

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Just like it says...My MIL was diagnosed with a Glioblastoma back in May. For those of you who don't know, this is basically a death sentence. She is 79 and was in decent health. We thought because they caught it before any major symptoms, she might get 18 months. She lived alone until this diagnos...