Search found 6106 matches

by Alex Frakt
Wed Feb 03, 2016 2:36 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4623

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

I just remembered something. Following is an e-mail exchange with a cybersquatter in January 2012. I guess we now know who the mystery buyer was. Hi my name is [__] from [__] Domains. I wanted to let you know that bogleheads.com is for sale.... We are selling this domain for $450. Any future costs w...
by Alex Frakt
Wed Feb 03, 2016 2:23 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4623

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Lesson is to buy up all three domains: .org, .com and .net When Larry Auton and I decided to launch the site in 2001, I purchased both bogleheads.org and diehards.org. I preferred the former, but Larry thought bogleheads smacked of idolatry :happy so we went with diehards. I didn't buy the .com and...
by Alex Frakt
Wed Feb 03, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do you pay per year for daycare?
Replies: 33
Views: 1226

Re: What do you pay per year for daycare?

Locked. Not actionable.
by Alex Frakt
Wed Feb 03, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice [for UK-based professional poker player]
Replies: 10
Views: 623

Re: Investment Advice [for UK-based professional poker player]

I'm sure some folks will come along with UK specific advice, but I do have some general investing advice for someone in your situation. The advice is twofold: keep it simple and keep it conservative. No more than 3 broad market stock funds (I like to split up US, Asia, and Europe, but a single globa...
by Alex Frakt
Thu Jan 21, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: CC Purchase Accounting Disagreement: When Charged vs. When Paid
Replies: 31
Views: 846

Re: CC Purchase Accounting Disagreement: When Charged vs. When Paid

Locked for the following reasons:

- Restarting locked thread
- Not investing, so off-topic for this forum. Not personal, so OT for any other forum.
by Alex Frakt
Thu Jan 21, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4559

Re: New neighbor turning their house into vacation rental

Locked. Too many non-actionable (trolling) replies. Question appears to have been answered as well as it can be anyway. If something was missed, please PM the OP.
by Alex Frakt
Fri Jan 15, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]
Replies: 9
Views: 782

Re: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]

The SEC Form D Notice of Exempt Offering of Securities for this is here: http://www.sec.gov/Archives/edgar/data/1662505/000166250416000004/xslFormDX01/primary_doc.xml . Not that it is going to tell you anything about the intended or actual investments. john_bon_jovi, This is a private equity offerin...
by Alex Frakt
Fri Jan 15, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]
Replies: 9
Views: 782

Re: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]

I am returning this post following moderator review (and after removing the broker name and editing the title). Please take this at face value.
by Alex Frakt
Thu Jan 14, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Dilemma
Replies: 22
Views: 3386

Re: Retiree Dilemma

I'd like to respond to Alex's post above with numbers from a couple funds: e.g. with a "worst 3 year return of .8%" I'd be giving up over $100000 vs annuity. with "best 3 year AVG of 8.5 something" I'd be losing out of maybe $7000 per, or a possible $21000 upside over 3 years. 7...
by Alex Frakt
Thu Jan 14, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Powerball math: annuity is better?
Replies: 56
Views: 4988

Re: Powerball math: annuity is better?

walletless wrote:I look at it this way: If you don't buy the ticket, you have 0% chance of win. If you buy, you have 50% chance of winning (either you are lucky, or you are not) :-)

Want to play poker? I need to recoup my $2.
by Alex Frakt
Tue Jan 12, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Managing HUGE Windfalls (Have read the Wiki)
Replies: 4
Views: 827

Re: Managing HUGE Windfalls (Have read the Wiki)

Locked. Topics here must be personal and actionable. More info here: viewtopic.php?f=3&t=112988#p1643165

OP, if you wins the lottery, let me know and I'll reopen the thread :-)


Edit: ladyGeek and I were composing our responses at the same time.
by Alex Frakt
Tue Jan 12, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: [Investing when future tax rates/deferral options are unknown]
Replies: 6
Views: 374

Re: [Investing when future tax rates/deferral options are unknown]

The point is to save, that gives you the flexibility to deal with whatever happens. Beyond that, I suggest you choose one of the following approaches when investing: 1) Minimize current taxes, making sure that any tax savings are actually invested. 2) Try to guess what will minimize future taxes. Fo...
by Alex Frakt
Tue Jan 12, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Dilemma
Replies: 22
Views: 3386

Re: Retiree Dilemma

It seems illogical to get rid of all your money and then start saving it back. Remember one can always buy additional annuities. Not only can you buy additional annuities, every year you wait will likely give you a better return on your annuity purchase. This is somewhat dependent on interest rates...
by Alex Frakt
Tue Jan 12, 2016 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Dilemma
Replies: 22
Views: 3386

Re: Retiree Dilemma

Your minimum living expenses are $19,200 per year. You get $7,000 from SS. You have enough. I suggest annuitizing only enough to cover the remaining $12,200 which is just under $170,000 based on what you've been quoted. I suspect that looking at the daily returns of your holdings (or the market in g...
by Alex Frakt
Tue Jan 12, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: GPS for a road bike
Replies: 29
Views: 1281

Re: GPS for a road bike

I agree..I can't imagine any cycling-type solar panel would throw off enough juice to keep a phone gps unit running in real time. Sounds like a new business opportunity. Who's in with me on this one? Weave the cells into the jersey or a helmet cover. Seriously though, there's a bunch of rotating pa...
by Alex Frakt
Tue Jan 12, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Powerball math: annuity is better?
Replies: 56
Views: 4988

Re: Powerball math: annuity is better?

Note - We've been locking Powerball speculation threads, but we'll let this thread run as long as it sticks to math issues. Best return is to not play. Normally true, but thanks to the rollover prizes, my rough estimate is that you now have a positive expected return even after taxes and the likeli...
by Alex Frakt
Tue Jan 12, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: GPS for a road bike
Replies: 29
Views: 1281

Re: GPS for a road bike

For the most thorough reviews of bike and running electronics gear, see this site: http://www.dcrainmaker.com/
by Alex Frakt
Tue Jan 12, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: WWYD as a Powerball Boglehead Billionaire?
Replies: 3
Views: 525

Re: WWYD as a Powerball Boglehead Billionaire?

Locked. Non-actionable.

Unless you win. In which case you are welcome to ask for advice.
by Alex Frakt
Tue Dec 29, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1778

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

So far we are set on either glass-bottom boats or canoeing at Silver Spring State Park and the go-kart track in Maitland on the 31st. At 2pm on the 1st we have a reservation for the "Domes and Dripstones" tour at Mammoth Caves. What we do in between will depend on timing and what's open. B...
by Alex Frakt
Mon Dec 28, 2015 10:36 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1778

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

...I'll definitely check on the Corvette plant. There are two different facilities close by to each other in Bowling Green: the Corvette Plant (factory) and the Corvette Museum. I've been to both and they are excellent, but to avoid overkill, do one this time and one the next time... The plant isn'...
by Alex Frakt
Mon Dec 28, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1778

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

National Air Museum at Wright Patterson AFB in Dayton, OH. It would add about an hour of driving and change your route a little bit, plus the time you spend there. http://www.nationalmuseum.af.mil/ I went there with my now teenager a couple of years back, who liked it; I don't know if a seven year ...
by Alex Frakt
Mon Dec 28, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1778

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

Thanks for the suggestions so far. It doesn't look like Tellus will work out since they are closed on New Years Day (and at 5pm on the 31st). My brother lives in Orlando so no need for Disney or any other theme parks on this trip. Probably will stop at the Lil 500 go-kart track though which was his ...
by Alex Frakt
Mon Dec 28, 2015 12:22 am
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1778

Road trip from Florida to Chicago with 7-year-old, what should we see?

I'm in Boynton Beach, FL (30 miles north of Fort Lauderdale) with my family for the holidays. All five of us - my wife, MIL, 7-year-old son, 2.5-year-old daughter and I - drove down here from Chicago in 2 days with as few stops as possible. The ladies are flying back, my son and I are making the ret...
by Alex Frakt
Sun Dec 27, 2015 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I Negotiate Salary Now?
Replies: 39
Views: 3132

Re: Should I Negotiate Salary Now?

Note, this is an existing member who set up this account just for this thread out of obvious privacy concerns.
by Alex Frakt
Sat Dec 26, 2015 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Cancel Medigap plan to save money for a year+?
Replies: 40
Views: 2209

Re: Cancel Medigap plan to save money for a year+?

For the benefit of those now even more confused than ever with this thread ----- [ For some reason I don't fathom - perhaps explanation will arrive - ? - moderator chose to remove pshonore's reference to being a resident of Connecticut. So, now, his subsequent post, and then mine, lacking that piec...
by Alex Frakt
Fri Dec 25, 2015 11:45 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1366
Views: 691874

Re: The Three Fund Portfolio

The key thing about any of the discussions about 'this is the best allocation', you can actually remove all of the qualitative discourse (he said, she said, in the last year its performance was good etc.) by calculating the risk adjusted return of the said portfolio over different time horizons... ...
by Alex Frakt
Fri Dec 25, 2015 2:29 am
Forum: Personal Consumer Issues
Topic: [Interested in driving,] Any Uber drivers here?
Replies: 32
Views: 3395

Re: Any Uber drivers here?

Please stick to the OP's topic. Economic policy issues are off-topic here.
by Alex Frakt
Fri Dec 11, 2015 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Are S corps advantages [outweighed by state taxes in TN]
Replies: 11
Views: 783

Re: Are S corps advantages [outweighed by state taxes in TN]

as independent contractor I can work in multiple states, so I was hoping to get the boglehead's input on which states s corps are worth the trouble for a single person business. If your work is performed in TN, incorporating in a different state doesn't do anything to help you avoid TN taxes. It ju...
by Alex Frakt
Thu Dec 10, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: Used 4 passenger convertible recommendations
Replies: 29
Views: 1330

Re: Used 4 passenger convertible recommendations

Yeah, after all the feedback I'm thinking about going with two cars instead of a one size fits all. An old Miata and oldish Pilot Makes sense. Miatas perfectly fit all your requirements, except the 4 seat thing :D I'm not 100% sold on the Pilot unless you need just a bit more space or towing capabi...
by Alex Frakt
Thu Dec 10, 2015 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are S corps advantages [outweighed by state taxes in TN]
Replies: 11
Views: 783

Re: Can S corps lead to more taxes in some states?

I'm also kind of perturbed my subject was changed because this is not just a Tennessee issue. Multiple other states have similar laws ignoring S corps including Texas. From the forum rules : Note that topics must be directly connected to your (or your friend's or family's) financial life. General c...
by Alex Frakt
Thu Dec 10, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Used 4 passenger convertible recommendations
Replies: 29
Views: 1330

Re: Used 4 passenger convertible recommendations

I'm considering getting a 4 passenger convertible. I'd like something that is fun to drive (manual necessary, great handling, doesn't need a ton of power), something that can hold a car seat or two (only for rare occasions), something that is safe and reliablee... My budget is $5-10k, but would lik...
by Alex Frakt
Thu Dec 10, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine Recs
Replies: 67
Views: 4771

Re: Espresso Machine Recs

I have been doing a ton of research on espresso machines and went back and forth and questioned a lot of folks. For Price, ease of use and taste I ended up going with the Nespresso Pixie. Takes up little counter space, works very efficiently and very quickly and produces a beautiful dark espresso w...
by Alex Frakt
Thu Dec 10, 2015 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else freaked out about the whistleblower cases against Vanguard?
Replies: 11
Views: 1856

Re: Is anyone else freaked out about the whistleblower cases against Vanguard?

Locked, non-actionable. Here's a quick recap, for the full details see the lengthy thread referenced above: - Danon's original suit was dismissed with prejudice. - Vanguard agreed to pay some back taxes in Texas. The amount was not disclosed. The only thing that appears to link this to Danon is Tex...
by Alex Frakt
Thu Dec 10, 2015 12:31 am
Forum: Investing - Help with Personal Investments
Topic: [Are there any exploitable inefficiencies?]
Replies: 82
Views: 6202

Re: [Are there any exploitable inefficiencies?]

Thread reopened. It's on topic. Note I did re-title it to better reflect the OP's actual question.
by Alex Frakt
Thu Dec 03, 2015 11:13 pm
Forum: Investing - Theory, News & General
Topic: [Companies that pay] lobbyists beat the S&P 500
Replies: 10
Views: 1242

Re: [Companies that pay] lobbyists beat the S&P 500

Locked. Thread appears to be both non-actionable [comment removed by admin LadyGeek]
by Alex Frakt
Thu Dec 03, 2015 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: My estranged brother is dead, and I am next of kin
Replies: 72
Views: 14315

Re: My estranged brother is dead, and I am next of kin

I've had to remove some ugly posts from this thread. I'm going to unlock it, but if you aren't responding to the OP's question below, you probably shouldn't be posting.
pondering wrote:What do I need to consider from a financial standpoint?
by Alex Frakt
Thu Dec 03, 2015 2:17 am
Forum: Investing - Help with Personal Investments
Topic: 21 year old with some help!
Replies: 2
Views: 251

Re: 21 year old with some help!

Start with this free 16 page booklet from one of our favorite authors, WIlliam Bernstein, which is meant to provide people in exactly your situation which basic investing and financial information. It's available in pdf and 2 popular e-reader formats. pdf - https://dl.dropboxusercontent.com/u/290317...
by Alex Frakt
Wed Dec 02, 2015 11:58 pm
Forum: Forum Issues and Administration
Topic: Help! Forum Moderators needed.
Replies: 5
Views: 1406

Re: Help! Forum Moderators needed.

Thanks everyone. We now have more good candidates than we can use. I'm going to lock the thread.
by Alex Frakt
Wed Dec 02, 2015 1:01 pm
Forum: Forum Issues and Administration
Topic: Help! Forum Moderators needed.
Replies: 5
Views: 1406

Re: Help! Forum Moderators needed.

A quick followup. We have had several responses so far, but we'd like to add at least 5 mods, so please keep them coming. I may not write back to you immediately, I'm collating the responses so I can run them by the Advisory Board for feedback so it will take a few days.
by Alex Frakt
Wed Dec 02, 2015 12:52 pm
Forum: Forum Issues and Administration
Topic: Help! Forum Moderators needed.
Replies: 5
Views: 1406

Re: Help! Forum Moderators needed.

I wonder if there is some requirement for how long one has been a formal member of the boglehead community? There is no set minimum. We do want to see enough of a posting history that we can be reasonably sure a potential mod is on board with our goals, is responsive to other posts on a thread (doe...
by Alex Frakt
Wed Dec 02, 2015 12:02 am
Forum: Forum Issues and Administration
Topic: Help! Forum Moderators needed.
Replies: 5
Views: 1406

Help! Forum Moderators needed.

Moderating this forum takes around three hours a day, split between dealing with reported posts and checking out the first posts from new members to make sure they follow our rules (e.g., they aren't spam or political rants). We are looking for a few new volunteer moderators so no one has too heavy ...
by Alex Frakt
Tue Dec 01, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: [Large assets,] No retirement savings: How to invest
Replies: 16
Views: 2289

Re: [Large assets,] No retirement savings: How to invest

First off, you do have retirement savings. Everything that's not specifically earmarked for a savings goal is potential retirement savings. Second, how much of that biotech $10 million are you prepared and able to sell and over what kind of schedule? Third, do you mean that neither of your jobs have...
by Alex Frakt
Tue Dec 01, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: the business of marketing watches ?
Replies: 11
Views: 1459

Re: the business of marketing watches ?

I'm not sure why you are surprised. All name-brand fashion, including fashion accessories such as shoes, watches and bags, are sold this way. If you want to avoid paying markups over 100% on such items, you need to stick to the discount stores/websites, clearance racks, or the house brands at Wal-Ma...
by Alex Frakt
Sat Nov 28, 2015 2:47 am
Forum: Personal Consumer Issues
Topic: Considering buying a dirt bike
Replies: 26
Views: 1945

Re: Considering buying a dirt bike

Google "motorcycle safety course" in your state and take the course. It will focus on street riding, but you'll learn quite a bit, and you'll want a motorcycle driver's license anyways. Take the course before you buy a moto - you'll get some flavor of what you're getting into. Absolutely ...
by Alex Frakt
Sat Nov 28, 2015 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 8843

Re: Heading toward divorce- what to look out for?

Hi all, Just an update. Things have worked out between us and family is intact! Which is a good victory but lots of misunderstanding and stress which has and still needs to be resolved. Thanks to all for their comments/suggestions/recommendations. I appreciate it. Glad to hear it. If you don't mind...
by Alex Frakt
Sat Nov 28, 2015 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 8843

Re: Heading toward divorce- what to look out for?

randomguy (and any other potential responders who missed it) -

You are responding to a month-old post that is no longer relevant. See the OP's update immediately prior to your post.
by Alex Frakt
Sun Nov 22, 2015 1:48 am
Forum: Personal Consumer Issues
Topic: Series 7 Exam and Bogleheads
Replies: 26
Views: 2459

Re: Series 7 Exam and Bogleheads

saltycaper wrote:Do you not need to be sponsored by a firm to take these exams? I thought you did, in which case you could not just decide to take them on your own, no?

I don't know about the broker exams, but you can sign up for the Series 65 on your own.
by Alex Frakt
Sat Nov 21, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Another short selling story
Replies: 3
Views: 675

Re: Another short selling story

Locked. From the forum rules: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: - US or world economic, political, tax, health care and climate policies - conspiracy theories of any type inc...
by Alex Frakt
Sat Nov 21, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Series 7 Exam and Bogleheads
Replies: 26
Views: 2459

Re: Series 7 Exam and Bogleheads

I took (and passed) the 65, the Investment Adviser exam, mostly out of curiosity. The only study source I used was http://www.investopedia.com/exam-guide/series-65/ . Take a look at the guide, you'll notice that a large part of the test covers stuff of no interest to the individual investor. Even th...

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