Search found 414 matches

by Afty
Fri May 05, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 5861

Re: Buffett/IBM

I would sell it and reinvest in VTSAX. How much would you end up paying in capital gains? As nedsaid suggested, you might want to spread the sale over a few years to reduce the tax hit. You might also consider donating some of it -- you'll both avoid capital gains and get a tax deduction for the cur...
by Afty
Thu May 04, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Starting new job mid-career - What advice to learn from my past?
Replies: 39
Views: 2147

Re: Starting new job mid-career - What advice to learn from my past?

Maybe your instructions were not clear enough? At my job (software development), we consider a user complaint against us a bug, even if we are technically correct. If the user couldn't understand the documentation and had to come to us for help, we improve the documentation until we no longer receiv...
by Afty
Wed May 03, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Time to upgrade bed/bath linens
Replies: 23
Views: 1985

Re: Time to upgrade bed/bath linens

The Sweethome is my go-to for recommendations for household stuff. http://thesweethome.com/reviews/best-sheets/ http://thesweethome.com/reviews/best-bath-towel/ I can vouch for the towel recommendation. I bought their recommended Target Fieldcrest towels a few months ago, and they are very nice and ...
by Afty
Wed May 03, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 3366

Re: Buying a diamond ring

Another +1 for Blue Nile. I bought my wife's ring from them 12 (!) years ago, and she still loves it to this day. I offered to upgrade the stone for our 10th anniversary, and she looked at me like I was crazy. :) We've made many more jewelry purchases from them though the years and have always been ...
by Afty
Tue May 02, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PAS -- typical portfolio?
Replies: 13
Views: 1515

Re: Vanguard PAS -- typical portfolio?

We use PAS and are basically in a 4-fund portfolio. They customized it a bit for our existing holdings, so for example adding extended market to balance out our existing S&P 500 investment instead of selling and then buying total stock market.
by Afty
Sun Apr 30, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Shopping habits and timing of purchase
Replies: 13
Views: 1364

Re: Shopping habits and timing of purchase

My natural tendency is to buy in advance/hoard, but if I look at it rationally, I would probably come out better by buying right when I need something. I buy a lot of stuff that I never end up using, and then there's the problem of finding something when I do need it. Food from Costco is a common pr...
by Afty
Wed Apr 26, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Porsche Lease
Replies: 56
Views: 4122

Re: Porsche Lease

OP might also consider taking a high performance driving course. I recently did this "Porsche Experience" at the Porsche Experience Center in L.A. I selected a 911 Carrera S, and I drove it on their closed course for 1.5 hours with an instructor helping me. There was a skidpad, a long acce...
by Afty
Mon Apr 24, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Morningstar rating: S&P 5-stars, but TSM 4-stars?
Replies: 10
Views: 1257

Re: Morningstar rating: S&P 5-stars, but TSM 4-stars?

Morningstar ratings have no predictive value:
Our analysis reveals that higher-rated funds are no more likely to outperform a given benchmark than lower-rated funds.

http://www.vanguard.com/pdf/icrwmf.pdf

I suggest you ignore them.
by Afty
Thu Apr 20, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 5422

Re: Calling for all the Moms: career and family.

I’m not a working mom, but I’m married to one. :) It sounds like you’ve taken everything on yourself -- work/breadwinning, home, and childcare. Not only are you heavily involved in your own kids’ lives, you’re taking care of your parents plus relatives back home. There’s only so much one person can ...
by Afty
Wed Apr 19, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Favorite online sources for household & personal care items?
Replies: 11
Views: 805

Re: Favorite online sources for household & personal care items?

You can order from Target.com, and they have most of the same household stuff. Shipping is free if you have a Redcard. I order from Target.com sometimes when I don't feel like searching the store for the one or two items I need.
by Afty
Sun Apr 16, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 2919

Re: Downgrading Comcast (with no other competition)

I have also recently called Comcast and threatened to cancel to get a retention rate. They were ready to call my bluff. I'm in the same situation as the OP -- no other service available at my address, and I only want Internet. They actually offered to give me Internet + cable for less than Internet ...
by Afty
Fri Apr 14, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 6128

Re: Anyone else decided not to finish med school?

Like others said, if he doesn't want to do it, the earlier that he dropped out the better. But I'm reading the reasons he dropped out as to avoid debt and spend more time with his spouse. It is not my business to judge anybody, but to me those are horrible reasons if accurate. I also think it's gre...
by Afty
Tue Apr 11, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7377

Re: leaving early from work

What are the hours of your daycare? Are they really so short that you cannot fit in a full workday?
by Afty
Fri Apr 07, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5647

Re: Help on how to spend more on myself (First World Whine)

Upgraded desktop computer, quality 4K monitor, new TV, photo/negative scanner and probably half a dozen smaller items. Basically things that replace things I already have and still work. I sell things when I upgrade them to a newer version. I'm not sure it's the most effective use of my time as the...
by Afty
Thu Apr 06, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1116

Re: Calif Tax Refund Length of Time to Receive

Last year it took 2 months to receive my CA state tax refund. Filed in early April, direct deposited in mid June.
by Afty
Thu Apr 06, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: use of facebook app on apple I-phone
Replies: 16
Views: 888

Re: use of facebook app on apple I-phone

Silk McCue, my Used figure is 8.68GB and Available is 3.29GB. F!50HD "The downside to the Facebook app is is scans/reads your texts and contact list. You might as well be telling the world your private conversations." Your comment is here is very informative. This could be a gateway to ha...
by Afty
Sun Apr 02, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6472

Re: Weird house buying experience

Anytime you think, "It's the principle of the thing," that's a good sign it's probably not a fight worth fighting.
by Afty
Fri Mar 24, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10743

Re: Virtual Private Networks (VPNs)

Why do you want to use a VPN? Do you have reason to believe that the company providing the VPN is trustworthy enough to proxy all of your internet traffic? Do you trust them to write secure code? https://arstechnica.com/security/2017/01/majority-of-android-vpns-cant-be-trusted-to-make-users-more-sec...
by Afty
Fri Mar 24, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ever apply a competitor and have word get back to your employer?
Replies: 29
Views: 3114

Re: Ever apply a competitor and have word get back to your employer?

I work a job about 50 miles/50 minutes away. The commute is manageable but I have been doing it for so long (10+ years) that I forgot what it's like to have a short commute. There is a possibly opportunity closer to home (half the distance) at another company in the same industry. A concern I have ...
by Afty
Fri Mar 24, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 1007

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

I've also been hassled by Capital One 360 (savings) for doing more than 6 transfers in a month. They really are serious and will close your account over it. I do what someone else suggested -- keep both Cap One 360 checking and money market accounts, and make all transactions from the checking accou...
by Afty
Tue Mar 21, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 16160

Re: Tesla Model 3 or Chevy Bolt?

Chevy Bolts are already seeing big discounts: http://autoweek.com/article/green-cars/ ... -discounts

There might be some good deals out there for anyone interested.
by Afty
Tue Mar 21, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6820

Re: How did graduating out of daycare impact your finances?

It's less helpful than you'd think. You still need after school care and also camps for summer and break weeks (Christmas​, spring).
by Afty
Fri Mar 10, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6890

Re: 28yo, New Millionaire, Advice on Wealth Management

One of the big problems with choosing a financial advisor is that, in order to identify a good financial advisor who is not trying to rip you off, you have to learn enough to do it yourself. At that point you might as well do it by yourself and consult Bogleheads when you have a question. That said,...
by Afty
Fri Mar 10, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2776

Re: Re-applying for same job?

My current employer has an unspoken policy of "blacklisting" employees who quit and later reapply to the company. That seems like a silly policy. Why wouldn't a company want to rehire an employee who left on good terms? You'd have much better data on their performance than you would a typ...
by Afty
Thu Mar 09, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: At what $ level should someone really start diversifiying?
Replies: 25
Views: 2248

Re: At what $ level should someone really start diversifiying?

A total market index fund is already maximally diversified, so you can't increase diversification by splitting it up into components (small/mid/large cap, or value/growth, or specific industries). It's worth repeating this: a Target Retirement fund is already maximally diversified. It includes ever...
by Afty
Thu Mar 09, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5578

Re: Investing when market is peaking

Even if the market were peaking, which is impossible to know, but less likely than it continuing to go up, you should read about Bob, the world's worst market timer:
http://awealthofcommonsense.com/2014/02 ... ket-timer/
by Afty
Mon Mar 06, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 7610

Re: Climate and happiness revisited

We moved from Boston to the SF Bay Area, and the weather has made a huge positive impact on our lives. Here are a few things I wouldn't have predicted: ⋅  The constant gloom of Boston winters was really depressing. Even if it's cold in CA sometimes, it's at least sunny. No one here ever ta...
by Afty
Mon Mar 06, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 5804

Re: Advice on relocation or staying put

My wife and I lived in Cambridge/Somerville for 14 years, and moved to CA in our early 30s with a small child. Re: #2: I love Boston, but don't move there for the weather. The winter is long and gloomy, not to mention extremely cold (are you excited about occasional cold days in May? big piles of gr...
by Afty
Thu Mar 02, 2017 1:31 am
Forum: Personal Finance (Not Investing)
Topic: RSU + Autosale for taxes
Replies: 17
Views: 1259

Re: RSU + Autosale for taxes

RSUs have the basis of the day they vested. Since you are auto selling them, the basis should be very close to the proceeds. I think what you are doing wrong Is double entering the tax withheld from RSU sales. Those should be reported on your W-2, and you shouldn't have to enter them separately. At ...
by Afty
Sun Feb 26, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Requesting guidance on a car purchase
Replies: 31
Views: 1761

Re: Requesting guidance on a car purchase

However, our son is currently three years old, and we have the new baby on the way in June. Am I right in thinking that we likely won't be transporting their friends on a regular basis until at least middle or high school age? We occasionally transport our 6 year old's friends to/from sleepovers or...
by Afty
Sat Feb 25, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to immediately sell vested RSUs due to possible stat arb?
Replies: 10
Views: 882

Re: Bad to immediately sell vested RSUs due to possible stat arb?

I'm new to compensation via restricted stock units (RSUs). I work for a very large cap US company. Most of my company's employees sell their RSUs on the same date, immediately after vesting (I think). Doesn't this represent a huge stat arb opportunity for hedge funds? Shouldn't I then avoid selling...
by Afty
Fri Feb 17, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 3660

Re: Wifi Router Advice

http://thewirecutter.com/reviews/best-wi-fi-router/

(The Wirecutter generally has good reviews for electronics)
by Afty
Fri Feb 17, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on kids - prudent?
Replies: 35
Views: 2424

Re: Life insurance policy on kids - prudent?

TxAg wrote:Nope.

To expound on this: The purpose of life insurance is to replace income that your family would need upon your death. Kids don't generate income, hence they don't need life insurance.

So nope.
by Afty
Fri Feb 17, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash set aside for taxes next year?
Replies: 7
Views: 629

Re: What to do with cash set aside for taxes next year?

I would stick with either the savings account or a CD to avoid any risk in such a short term. It looks like 1 yr CDs are at 1.25%. You can get 1.05% in a Goldman Sachs Bank savings account.
by Afty
Wed Feb 15, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1436

Re: Investing Advice for Baby/Infant

We do both a 529 and UTMA for each kid. We fund the 529s, and gifts from relatives, etc., go into the UTMAs.
by Afty
Tue Feb 14, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10976

Re: Bogleheads not the norm?

I think one of the main benefits of Bogleheads is to normalize the behavior of living below your means, avoiding debt, and staying the course with your investments. It can be difficult to stick with these principles when everyone else you know is living paycheck to paycheck, so having a forum full o...
by Afty
Tue Feb 14, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 6428

Re: Closed my Roth IRA due to political uncertainty - mistake???

I worry about losing principal because.... Hmmmm.... I don't really have a good answer. I guess losing some principal is just par for the course when having money in the market. You should read about loss aversion . It's irrational, but we all do it. The key is to know that it exists and to be able...
by Afty
Tue Feb 14, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 7541

Re: Credit cards vs. Cash

We use credit cards and do not carry cash. I believe the research that we would spend less if we used only cash, but we keep our spending under control anyway and hit our savings goals, so I see no harm in it.
by Afty
Tue Feb 14, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10976

Re: Bogleheads not the norm?

"Bogleheads not the norm" is the understatement of the year.
by Afty
Tue Feb 14, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 2986

Re: How & when to sell lots of a single stock with huge capital gains

I agree with the suggestions to donate appreciated shares. You mentioned that they will retire in a few years. They could also just hang onto the FB stock until they retire, then start selling it. Presumably they will be in a lower tax bracket then. I would also be worried with such a large amount c...
by Afty
Sat Feb 11, 2017 4:07 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2906

Re: Convince Wife for Honda Odyssey

Propose that you rent a minivan and she drives it for a week. If she still wants the SUV, then go with the SUV.

We recently had a minivan as a rental, and it really changed our minds about them. They are super convenient and really great with kids.
by Afty
Sat Feb 11, 2017 3:55 am
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2154

Re: iPhone SE 16GB - is memory adequate?

I actually made the mistake of buying a 16 GB iPhone SE for my wife, and it was not sufficient -- she quickly filled it with pictures and was constantly fooling with backing up the photos. More than once she missed a photo op of our kids because the memory filled up. I bit the bullet and traded it i...
by Afty
Mon Feb 06, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: What other investment options I can use to save more
Replies: 18
Views: 2159

Re: What other investment options I can use to save more

Is the $24k 401k partially for a mega backdoor Roth? If so, can't you contribute up to $54k?

Barring that I would start a taxable account rather than contribute more to the 529. Don't let the tax tail wag the dog.
by Afty
Thu Feb 02, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 2851

Re: Should you stop using your antivirus software?

The problem is not the idea of AV software, but the fact that AV vendors often don't know what they're doing and do hacky things that actually introduce vulnerabilities. The article mentions a number of serious vulnerabilities in Symantec/Norton antivirus products. There was a critical vulnerability...
by Afty
Sun Jan 29, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Delaying 2016 401k Match
Replies: 17
Views: 1625

Re: Employer Delaying 2016 401k Match

I think you guys are being too easy on the employer. While this might be technically legal, it makes for a pretty crappy 401k plan if your employer can just unilaterally declare there's no match for a given year, or pay it whenever they feel like. There are other companies out there that do not try ...
by Afty
Sat Jan 28, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3645

Re: Nissan? (Cars.)

I have two answers for you. The first is the boring, but better answer: Look at the data. Check Consumer Reports and look at the reliability ratings for the models you're interested in. We can all tell you our anecdotes, but each is just a single data point. The second is my anecdotes. I grew up in ...
by Afty
Tue Jan 24, 2017 1:53 am
Forum: Personal Finance (Not Investing)
Topic: What to do with bonus
Replies: 12
Views: 1622

Re: What to do with bonus

Meg77 wrote:4. Make all charitable donations in the largest year(s) of expected income. Minimize donations in lower earning years.

She could open a donor advised fund to front load charitable contributions to the high income year, then disperse the funds in lower income years.
by Afty
Tue Jan 24, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2272

Re: Amazon Phishing Email after Order

It's random. Spammers send out millions of these. By sheer chance some of them are going to go to people who just ordered something from Amazon.
by Afty
Sat Jan 21, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Anyone tried Cenegenics?
Replies: 5
Views: 866

Re: Anyone tried Cenegenics?

That website screams "snake oil" to me.
by Afty
Sun Jan 15, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1532

Re: Doing email with a Chromebook

Verizon has a web email interface: https://webmail.verizon.com/

You're not locked into Gmail. Think of a Chromebook as a computer with only one app -- a web browser. You can do anything you can do on a normal computer through a web browser.

Go to advanced search