Search found 521 matches

by Afty
Fri Nov 17, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1314

Re: Questions for Boglehead runners

Good questions. 1) I probably spent $1200 this year on equipment + travel and entry fees. $800 for the local marathon and destination Ragnar I ran, including travel, van rentals, etc. $200 for shoes. $100 for clothes. $100 on assorted crap (headlight, Gu, etc.). 2) I do pretty much all of my running...
by Afty
Wed Nov 15, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2192

Re: Keep old cards active by paying yourself?

Can I ask why people want to keep accounts they never use open? Is it just for the impact on your credit score?
by Afty
Tue Nov 14, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 1999

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

I like to cook meat in a hot pan on the stove, which means I have gotten extremely skilled at waving a towel in front of my smoke detector while my wife and children huddle in the corner and ask whether the house is going to burn down. I don't have anything useful to add, but I laughed out loud at ...
by Afty
Tue Nov 14, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 19
Views: 1518

Re: Mozilla Firefox Donations?

Mozilla is a non-profit and derives most of their revenue through making deals for who gets to be the default search engine in Firefox. I do think they provide a good balance when all the other browser vendors are big for-profit companies with various vested interests. I can understand wanting to su...
by Afty
Sun Nov 12, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15895

Re: Flying first class, business, versus economy.

I get to travel premium economy or business for work, and it's nice. Really nice. But when I'm buying the tickets, I just can't justify the upcharge. For example, I'm taking my family to Thailand soon. Economy tickets for the 4 of us cost $4000, Premium Economy $8000, and Business Class $16,000. The...
by Afty
Thu Nov 09, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3726

Re: What is a reasonable emergency fund for HI family?

How do people who don't keep an emergency fund handle unexpected expenses or lumpy income? Do you sell equities from your taxable account and pay capital gains?
by Afty
Wed Nov 08, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 12859

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

All I am trying to get across is that many normal everyday investors who like dividend stocks,buy them because they pay a dividend and most are household names with long histories of good returns.They do not think about factors or technically correct reasons for their returns. Normal everyday inves...
by Afty
Tue Nov 07, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1736

Re: Gifts for a marathoner

I really liked "Running With the Buffaloes," about the 1998 University of Colorado cross country team.
by Afty
Mon Nov 06, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in index funds at this moment
Replies: 50
Views: 3624

Re: Investing in index funds at this moment

I'm a little wary about putting all my funds in an index fund at the current valuation. I feel that asset prices are getting really frothy. I read about the asset prices being at their highest level by CAPE valuation with P/E ratios of over 30 which is higher than at the peak in 1929. That's pretty...
by Afty
Sun Nov 05, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 1486

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

(also, holy wow are those MD/PhD programs a good deal!) Only if you want to spend ten years in training after college. And many MD/PhDs really struggle to use both degrees, ending up using just one or the other. +1. My friend did an MD-PhD and is now a radiologist, which he could have done with an ...
by Afty
Thu Nov 02, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Upgrading ... which iPad to purchase?
Replies: 14
Views: 1123

Re: Upgrading ... which iPad to purchase?

I would not buy the Air 2 today, the new 2017 iPad (non Pro) is faster and about the same price. The Air 2 is 3 years old at this point, and who know how much longer it will be supported. I say this as an happy owner of that iPad model too. The 12.9 inch Pro is really nice but over twice the cost. I...
by Afty
Wed Nov 01, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8771

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

True story: my wife forgot about an old 401k account from 2013 until about a month ago. She was invested in a target retirement account, and when we discovered the account, we found that the value had increased by 50% since the last time we checked it. Turns out that ignoring the noise (even uninten...
by Afty
Wed Nov 01, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9355

Re: I'm fairly young but done with saving money

$2M probably gives you a safe withdrawal rate of $70-80k/year. Is that enough, especially when you figure in inflation? Even at 2%/year, inflation will take a huge chunk out of what that $80k will pay for 20, 30, or 40 years from now. Assuming 2% inflation, $80k now will be worth $35k in today’s do...
by Afty
Wed Nov 01, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: When Popularity Kills
Replies: 14
Views: 1823

Re: Larry Swedroe: When Popularity Kills

Larry's articles are some of the most insightful posts on this forum. I also would love for him to come back.
by Afty
Sun Oct 29, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: If someone got into your laptop, would they have access to all sites via the password manager?
Replies: 46
Views: 1392

Re: If someone got into your laptop, would they have access to all sites via the password manager?

if using chrome, if someone hacked your google account, couldn't they see all usernames and password under settings-advanced-manage passwords? They are all there. Yes, this is a legitimate concern. You can use a Chrome sync passphrase (different from your password) to protect against this. https://...
by Afty
Sat Oct 28, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7624

Re: Can I retire today?

Yes, that's right, my boss intruded into my life during medical leave to make my life miserable. That's really not ok, and HR at my company would take a very dim view of such behavior from a manager. You might consider reporting him if you are planning to leave anyway, or mention it in your exit in...
by Afty
Wed Oct 25, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4204

Re: How to get over the fear of traveling without spouse and children?

I’m not sure that quoting statistics at you is helpful. But flying really is remarkably safe, much safer than driving which you probably do every day. Would you consider taking medication for anxiety before flying? My wife does an international trip every year to hike with her father. Initially she ...
by Afty
Tue Oct 24, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Popularity of Funds that track the Dow instead of the S&P 500
Replies: 19
Views: 1683

Re: Popularity of Funds that track the Dow instead of the S&P 500

First, theory suggests that "The Market" is the most efficient portfolio - best return for the amount of risk taken. The S&P is structured to be a decent mirror of "The Market". Limited to large cap domestic, but still a decent mirror. Historical analysis more or less backs up the theory. The Dow c...
by Afty
Tue Oct 24, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8253

Re: Building very high net worth

How do you folks in this thread know other people’s net worths? I can’t imagine sharing such personal information with anyone aside from my wife. Also some of those lowly doctors and lawyers might be quietly sitting on a large pile of money for all you know.
by Afty
Sun Oct 22, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5159

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

I would look hard at a Tesla preferably the PxxD model. They are incredibly fast (see https://youtu.be/cvk18vx-nrY where it beats a 911 Turbo S in the quarter mile) and handle much better than they have any right to, because all the weight is in he battery pack under the floor. Otherwise I would als...
by Afty
Sat Oct 21, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Seeking Insights for Family Member Providing Daycare
Replies: 10
Views: 947

Re: Seeking Insights for Family Member Providing Daycare

One thing I might suggest is having a regularly scheduled time to sit down with your daughter and SIL and discuss how things are going, concerns they have, concerns you have, etc. Maybe a half hour every 2 or 4 weeks. It would keep everyone on the same page and prevent disagreements from getting out...
by Afty
Fri Oct 20, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: Pulling some profits
Replies: 13
Views: 1980

Re: Pulling some profits

For the record, if the OP did pull out of the market in February, they missed out on a 12.7% gain in the U.S. total stock market since then.
by Afty
Thu Oct 19, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4212

Re: idiot proof router?

FYI :happy https://on.google.com/hub/ Thanks, but I am not seeing that this has any Ethernet ports? My septic system will be using Ethernet to communicate with the maintenance and monitoring company. Google WiFi devices have 1 extra Ethernet port. If you need more than that you can add an Ethernet ...
by Afty
Wed Oct 18, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1437

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

+1 on ultrawide. That seems to be all the rage in PC gaming circles right now.
by Afty
Wed Oct 18, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 138
Views: 9026

Re: Anyone planning on getting the new Pixel phone?

The Pixel 2 XL isn't that gigantic. The screen is large at 6.0 inches, but the bezels are small so that the overall size is about the same as a typical 5.5-5.7" phones. If you check the dimensions I bet it's the same size as your current 5.7" phone.
by Afty
Mon Oct 16, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6971

Re: Anyone taken a mid-career sabbatical?

Reviving this old thread. My work allows for 3-month unpaid personal leaves. They would continue to pay health insurance, and I would have my job when I get back. I'm considering taking a leave next summer. My situation is a bit different than others in this thread though -- I have two youngish kids...
by Afty
Mon Oct 16, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Encryption flawed in some Yubikey models
Replies: 6
Views: 832

Re: Encryption flawed in some Yubikey models

From the Yubikey page, the 2 most common uses of the Yubikey, OTP (the 6-digit codes that phone apps can also generate) and U2F (the "security key" functionality used by Gmail, Vanguard, etc.), are not affected. So most people don't need to worry about this.
by Afty
Mon Oct 16, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1657

Re: First Post (gulp) - Request for Advice on selling inherited home

I had to deal with this when my last parent passed away a few years ago. I did not rush into things. First, I got an appraisal to establish the cost basis. For you, this would be useful to determine whether the cash offers you’re receiving are fair (I would guess they are not). Next, I made needed r...
by Afty
Sun Oct 15, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7234

Re: What are you driving? And would you buy your current ride again?

2008 Infiniti G35 sedan with manual transmission, 100k miles. Bought it off lease in 2011 for the price of a 4-cylinder Accord or Camry. I love this car -- it's fast (306 hp!), handles well, and has been super reliable. Would definitely buy one again. As it approaches 10 years old, I've started to t...
by Afty
Thu Oct 12, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Tax issue: Made a mistake on Inherited IRA RMDs for five years
Replies: 38
Views: 2888

Re: Tax issue: Made a mistake on Inherited IRA RMDs for five years

I’ll also chime in and say that Vanguard does calculate the RMD account for my inherited IRA.
by Afty
Thu Oct 05, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to buy TOO LITTLE house? Is buying a home in a HCOL actually cheaper than a LCOL?
Replies: 14
Views: 1314

Re: Is it possible to buy TOO LITTLE house? Is buying a home in a HCOL actually cheaper than a LCOL?

I think your hypothesis is that homes in HCOL areas appreciate more than homes in LCOL areas. I worry however that you are using hindsight to identify HCOL and LCOL areas, and that is skewing your perception. The areas you cite as HCOL are HCOL *now*, but were they HCOL 20-30 years ago? Were there o...
by Afty
Thu Oct 05, 2017 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Switching from High Deductible Plan when planning children
Replies: 15
Views: 1548

Re: Switching from High Deductible Plan when planning children

The hospital bill when my daughter was born was over $50k for a totally normal birth with no complications. Would definitely recommend switching away from a HDHP if they are planning to have a child next year.
by Afty
Tue Oct 03, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16759

Re: $10 million+ - Still Working and LBYM

OK, we have a mid-7 figure portfolio, so not quite in this crowd. But we can eat anything we want to ... either cooking at home or going out to a restaurant. So what do we do? Not anything special. How about you? As dinnertime approaches, do you already have plans? Or do you say, what do you want t...
by Afty
Sun Oct 01, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3091

Re: Reach out to hiring manager directly on LinkedIn?

I agree with bluebolt and KlangFool. As a hiring manager I would have no problem with this. In fact it's happened several times, and even if the person isn't a great fit for my position, if they seem like a good candidate I'll refer them to other open positions. I would appreciate seeing someone tak...
by Afty
Fri Sep 29, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8459

Re: Question: Why do people put/keep millions of dollars in investment accounts?

What are the alternatives? Cash won't keep up with inflation, so you effectively lose money by holding cash. Real estate is no safer than the stock market, and historically has had a lower return. Investing in businesses is exactly what you do when you put money in the stock market. Maybe you mean i...
by Afty
Fri Sep 29, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15210

Re: Why do you LBYM? Why do you save and invest?

I don't do it because of fear or because I hate my job. I do it because my parents did it. They were proto-Bogleheads; professionals living in a LCOL area, they saved and invested probably 50% of their (high) incomes. They drilled saving into me at an early age. I don't think it's rational for me at...
by Afty
Fri Sep 29, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5054

Re: My first promotion without a pay increase

I agree with the advice to start looking for another job. There are a lot of tech companies in Seattle that do give bonuses and RSUs, and if you are a high performer, they can become a large fraction of your total compensation. IME, salaries at Megacorps are somewhat set in stone given a job title, ...
by Afty
Fri Sep 22, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: No down payment for home purchase: what is worst-case scenario?
Replies: 39
Views: 2404

Re: No down payment for home purchase: what is worst-case scenario?

In this scenario, couldn't the person take a 401k loan to fund their down payment? From a brief glance at the physician loans on the web, it does seem like you can get 0 down loans. That seems crazy to me, but I guess they exist. I would be worried about the worst case scenario others posted earlier...
by Afty
Mon Sep 18, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4139

Re: Worth buying an excessive house?

In my opinion schools are worth stretching for, but game rooms and oversize garages are not. Can you find any options in the good school area with an older/smaller/cheaper home? +1. Personally I wouldn't enjoy an excessively large house with a large yard, pool, etc. that I would have to maintain (o...
by Afty
Wed Sep 13, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2866

Re: Strategy for smartphones.

unclescrooge wrote:
Tue Sep 12, 2017 7:56 pm
Does anyone know if the warranties are extended for phones bought with Costco credit cards?
Yes, Citi extends the warranty for an additional 2 years.
by Afty
Tue Sep 12, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19185

Re: Is it really Worth it to brown bag your lunch at work?

I did this early in my career and did feel it negatively impacted my career. Not so much in the networking sense, but I felt it hurt the team dynamic because I didn't eat with them, and it made me dislike my job more as I didn't make friends at work. The company I work for now provides free food, an...
by Afty
Sun Sep 10, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25242

Re: Vanguard's new security key option

Yubico security keys work on Linux and Mac as well as Windows. I use them on all 3 platforms for my work. See https://www.yubico.com/products/yubikey ... bikey-neo/
by Afty
Fri Sep 08, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 7221

Re: Bosch dishwasher?

Furthermore, when you do open the door, it is relatively hard to tell, by inspecting the control panel, whether the dishes are dirty (i.e. hasn't been run) or clean. It's kind of silly, but I bought a dishwasher magnet to solve this problem. You set it to "clean" to mark that the dishes are clean. ...
by Afty
Wed Sep 06, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25237

Re: Name something you had to have and now you regret purchasing it?

House with a pool. Since I stink at maintaining it and turned the water green we hire out for $170/month ($2040/yr) plus incidentals ranging from $50-$200/yr. In the last 5 years we had to re-line the pool and replaced the motor costing about $10k plus the extra electricity I figure in these 5 year...
by Afty
Fri Sep 01, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6608

Re: How do you reverse a lifetime of frugality and learn to spend some money?

I would start by splurging on small luxuries rather than expensive items like a new laptop. For example, you could go out for your morning coffee instead of making it at home. You could buy more expensive foods to cook/eat everyday -- fish, fresh fruits and vegetables, steak, whatever you like. You ...
by Afty
Thu Aug 31, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1532

Re: iPhone tempered glass...$6 vs $50?

Phone accessories at a phone store are generally a ripoff. You will find much better deals on Amazon, and usually higher quality as well.
by Afty
Mon Aug 28, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA [take as lump sum or life expectancy]
Replies: 13
Views: 1179

Re: Inherited IRA [take as lump sum or life expectancy]

Life expectancy is the clear choice. You get to defer taxes for longer. Also if you don't need the funds, you want to take no more than the RMD, again to preserve tax free growth.
by Afty
Sat Aug 26, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6359

Re: Safe car for wife and baby

I'm surprised by all the responses here... Your wife already drives a safe vehicle. I don't think a baby on board will render the vehicle any less safe, so I don't see the need for buying a new car, much less a new SUV. I always thought the Baby / SUV requirement was a marketing gimmick that a lot ...
by Afty
Tue Aug 22, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6146

Re: Why do we consider cash flow from rentals but not our own homes?

Am I missing something? No you are absolutely correct. Your home is part of your portfolio as a non-diversified real estate holding paying a return to you of the rent equivalent minus upkeep expenses & taxes, ... Your mortgage is a short bond position and is also part of your portfolio. +1. Note th...
by Afty
Mon Aug 21, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Best internet provider in Boston?
Replies: 8
Views: 668

Re: Best internet provider in Boston?

I'm not sure how typical my experience is, but I had RCN in Somerville and they were horrendous. Really slow speeds (1/10 of the speed I was paying for) and ever increasing prices with no improvements to show for it. We had Comcast in Malden and they were great, no problems except for higher cost th...