Search found 397 matches

by Afty
Fri Mar 24, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 131
Views: 6751

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: 2892

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: 725

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: 126
Views: 8892

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: 77
Views: 5668

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: 6532

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: 2648

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: 2067

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: 5118

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: 6602

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: 81
Views: 4559

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: 1074

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: 1669

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: 823

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: 3428

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: 2091

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: 571

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: 1255

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: 10535

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: 5913

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: 7095

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: 10535

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: 2761

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: 2782

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: 1969

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: 2086

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: 2661

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: 1513

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: 3435

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: 1576

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: 2008

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: 815

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: 1390

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.
by Afty
Thu Jan 12, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3372

Re: thoughts about financial advisors comments regarding roth 401k

If (1) you are a resident, and (2) you post on Bogleheads, there's a good chance you will save enough to be in a higher tax bracket in retirement. I think a Roth 401k would be a good choice for you right now. I assume that once you become an attending, you will use a traditional 401k, so you'll end ...
by Afty
Wed Jan 11, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 6961

Re: How to politely fire my financial advisor

I did it over the phone. I prepared a little spiel and got really worked up about it. In reality, my advisor knew what was coming -- he had already gotten signals when I started asking about fees, index investing, etc. He didn't push back at all and it was actually quite pleasant.
by Afty
Sun Jan 08, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4136

Re: The funk - gym clothes

There are special detergents for funky gym clothes. I've used Nathan Sport-Wash before with good results.
by Afty
Sun Jan 08, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 57
Views: 4184

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

It's not the problem with technologies but how companies are handling database with people's fingerprints. Just like Yahoo users didn't lose their password, but Yahoo itself lost its users' passwords and other personal information. I think the fingerprint technology is safe and vanguard is trustwor...
by Afty
Sat Jan 07, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 57
Views: 4184

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

Note also that phones occasionally ask for the PIN even when you are using fingerprint authentication. This prevents extended misuse even if attackers can duplicate your fingerprints.
by Afty
Fri Jan 06, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market and External Accounts
Replies: 7
Views: 800

Re: Capital One 360 Money Market and External Accounts

The money market account limits you to 6 withdrawals/transactions per month; this is a standard limitation on savings accounts. This may make it infeasible to use it for frequent recurring payments.
by Afty
Fri Jan 06, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 57
Views: 4184

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

I'm not a fan of the fingerprint id for logins. I can change passwords, but, if for any reason now or in the future, my fingerprint is compromised, I can't change it ever. The fingerprint on your phone is only stored locally, so it is only good on that one device. I.e. if someone steals your finger...
by Afty
Tue Jan 03, 2017 2:03 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7703

Re: Are Younger people funding 529 Plans?

Few people in general fund 529s. 3% of all investors, and only 7% of those who expect major educational expenses in the next 5-10 years. I think most people are either not saving at all, or (correctly) prioritizing their retirement funds. http://www.howtogeek.com/224342/how-to-clean-install-windows-...
by Afty
Mon Jan 02, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 48
Views: 6407

Re: Vanguard's new security key option

FWIW, Google recently published a paper on their switch from OTPs to U2F (security keys) for all employees. The switch was a huge success, reducing account compromises while improving usability. (I acknowledge that Google employees are a very different user population than Vanguard customers.) http:...
by Afty
Mon Jan 02, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 35
Views: 4319

Re: Luck with DirectTV Now?

I signed up for DIRECTV Now and have been using it for a week or so. It's been great for me so far, much better than Sling. No buffering and good picture quality. I've been mostly using it from the browser and on my Chromecast. I haven't tried PlayStation Vue, but I've heard good things. I used to s...
by Afty
Mon Jan 02, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?
Replies: 12
Views: 1090

Re: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?

I'm considering getting one. I get free charging at work, and the carpool lane sticker (CA) would really help with my commute. I will probably wait for the 2018 model to shake out the early bugs though, since our current cars are running fine.
by Afty
Sun Dec 25, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 5081

Re: Am I being smart with this car purchase?

I would not buy an i3 right now. The Chevy Bolt is about to come out, and IMO it's going to make every other non-Tesla EV obsolete. It has 2-3x the range of any non-Tesla EV, but costs only $30k after the federal tax rebate. Motor Trend just picked it for their Car of the Year . If I were you and in...
by Afty
Sun Dec 25, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I contact my landlady for lease renewal ?
Replies: 18
Views: 2393

Re: Should I contact my landlady for lease renewal ?

I don't see any harm in asking. My guess is that she has just forgotten that renewal time has come up.
by Afty
Sat Dec 24, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3220

Re: Should I Buy an IPhone 5S?

I agree that if you can get a 5s in good condition for $150, that's hard to beat. But if buying from EBay, I would be concerned about battery life and possible stolen phones.

The SE is an excellent phone. It's basically a 6s in a 5/5s-sized body. My wife has one and loves hers.
by Afty
Sat Dec 24, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: too aggressive with college saving for the kids?
Replies: 15
Views: 2370

Re: too aggressive with college saving for the kids?

We save a bit less in the 529s and aim to have $150k in each when the kids are college aged. We plan to cash flow whatever is not covered by the 529s.
by Afty
Thu Dec 22, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I volunteer while on short term disability?
Replies: 27
Views: 1442

Re: Can I volunteer while on short term disability?

At our company you would not be allowed to work while on short term disability, because part of short term disability is paid by the state of CA, and if you can work even a bit, they think you can work 100%. We actually had this issue with an employee who was out on SDI. He continued to work on his ...

Go to advanced search