Search found 6128 matches

by Alex Frakt
Sat Mar 19, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 23
Views: 3043

Re: Tub Cleaning Issue - Soap Scum

I use food grade citric acid - http://www.amazon.com/s/ref=nb_sb_noss_1?tag=bogleheads.org-20&url=search-alias%3Dgrocery&field-keywords=citric+acid - to descale my coffee maker and clean my humidifiers. Googling around, it looks like it works well for soap scum too. It's obviously safe and d...
by Alex Frakt
Fri Mar 18, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1473

Re: Baby learning videos/material

There is ample evidence that teaching kids to read early offers no long-term developmental advantages. In other words, when you teach a child to read has no correlation with their ultimate reading ability. In fact, any early "advantage" disappears no later than the fourth grade. As one res...
by Alex Frakt
Fri Mar 18, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1473

Re: Baby learning videos/material

Yes, that is true, but because this is a foreign country where most people do not speak English on a regular basis, I am hoping to buy the best learning material, whatever that might be. Do the parents speak English? If not, the only way this will work is if you get something that will teach the pa...
by Alex Frakt
Fri Mar 18, 2016 1:47 am
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1473

Re: Baby learning videos/material

Babies and young toddlers don't learn languages by watching videos. They learn by hearing the speech of real people, mimicking it and getting feedback on their attempts. Books can help, but only if they have someone who uses the books as an aid to the above. "That's a picture of a puppy. Can yo...
by Alex Frakt
Wed Mar 16, 2016 10:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: I love this forum
Replies: 16
Views: 2625

Re: I love this forum

People are so gracious with their time. I'm just a newbie and only 29 so I'm just getting interested in making sure my investments are sound. I'm learning tons and constantly checking this site to learn more. Just wanted to say thank you to all who have helped and are willing to help! You are welco...
by Alex Frakt
Tue Mar 15, 2016 1:04 am
Forum: Investing - Theory, News & General
Topic: RAFI Has Beaten DFA and Vanguard (3% annually!) Since 2009 on an Absolute and Risk-Adjusted Basis. HOW?!?
Replies: 33
Views: 3925

Re: RAFI Has Beaten DFA and Vanguard (3% annually!) Since 2009 on an Absolute and Risk-Adjusted Basis. HOW?!?

So it looks there are 3 theories for how RAFI had higher returns with lower volatility over this period than Vanguard and DFA. 1. Small/Value 2. Emerging Markets 3. They Got Lucky 4. They bury the losers. RAFI has changed its index construction methodology when actual returns failed to live up to t...
by Alex Frakt
Mon Mar 14, 2016 11:31 pm
Forum: Investing - Theory, News & General
Topic: A call to all Bogleheads: let's accurately calculate returns!
Replies: 13
Views: 1872

Re: A call to all Bogleheads: let's accurately calculate returns!

How to Calculate Personal Rate of Return When Dollar-Cost Averaging Let's say you are in the accumulation phase and are dollar-cost-averaging into a mutual fund. OK, that's all fine. But while we are being pedantic, can I propose we not misuse the term "Dollar Cost Averaging" (DCA)? DCA p...
by Alex Frakt
Mon Mar 14, 2016 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Depressed, do I dip into retirement funds in order to make essentially an investment?
Replies: 21
Views: 4196

Re: Depressed, do I dip into retirement funds in order to make essentially an investment?

We need to know more about your situation to give appropriate advice. How old are you? What are your income needs? Do you have assets you could use to lower your income needs such as downsizing your home? What is your job situation? Do you have employment options that would lower your stress level, ...
by Alex Frakt
Mon Mar 14, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: "Debt Inflation" book - Any thoughts?
Replies: 10
Views: 1201

Re: "Debt Inflation" book - Benjamin Moore - Any thoughts?

Locked. Off-topic economic policy question. From the forum policies: 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
by Alex Frakt
Mon Mar 14, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 94
Views: 11993

Re: Late starters: what age did you start investing?

Locked, non-personal, non-actionable. This was a restart of an old thread that no longer qualifies as on-topic.
by Alex Frakt
Mon Mar 14, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are you saving for your children's wedding(s)?
Replies: 45
Views: 2830

Re: Are you saving for your children's wedding(s)?

Locked. Non-personal topic. From the forum rules:
Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed.
by Alex Frakt
Thu Mar 03, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 5680

Re: [Any risk in] Paying cash for services [when offered a discount]

Locked. The topic has been exhausted and speculating on other people's motives is beyond the scope of our forum.
by Alex Frakt
Thu Mar 03, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: Best reason why the market will always go up?
Replies: 66
Views: 7280

Re: Best reason why the market will always go up?

If population growth were the sole cause of world GDP growth, wouldn't GDP per person stay the same? Arent productivity increases necessary to increase GDP per person? Yes. This thread has actually morphed from a question about markets to economies. The answer to the original question is fairly sim...
by Alex Frakt
Thu Mar 03, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: I know it's nuts! Buying stake in LLC at bankruptcy auction?
Replies: 12
Views: 1667

Re: I know it's nuts! Buying stake in LLC at bankruptcy auction?

At this point I don't know. I have a slight hint that one of the LLC names is the same as the maker of a single engine Turboprop plane. Oh, you'll be fine then. What possible liability concerns could there be with an aircraft manufacturer? Not to mention the normal huge profit margins in the genera...
by Alex Frakt
Sun Feb 28, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Seeking advice on neighbor issue
Replies: 36
Views: 3413

Re: Seeking advice on neighbor issue

Locked. This isn't exactly a Personal Consumer issue and several of the replies are verging on violating our requirement of civility in discussions. Perhaps PM the OP if you have suggestions that have not already been covered above?
by Alex Frakt
Sat Feb 27, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: Best reason why the market will always go up?
Replies: 66
Views: 7280

Re: Best reason why the market will always go up?

The short answer is that markets don't have to go up. But it will as long as markets exist and there is economic growth, whether through increases in population or productivity. Even in a static economy, stock prices would eventually become static, but market indices (except the Dow 30) would still ...
by Alex Frakt
Fri Feb 26, 2016 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford LTC insurance given my unique circumstances?
Replies: 82
Views: 6129

Re: Can I afford LTC insurance given my unique circumstances?

Please help. I tried to edit my last post several times and instead it reposted 16 times. Can someone remove them? I'm not sure how that happened. So sorry. [working on it - admin alex] Done. Whew. Here's a couple of hints in case you want to do edits in the future. 1. The little pencil icon is use...
by Alex Frakt
Wed Feb 24, 2016 4:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicago meeting [- March 27 in Lincoln Park]
Replies: 24
Views: 3009

Re: Any Chicago meeting planned ?

We've had 2 separate attempts at establishing an ongoing chapter. Both petered out after several meetings. There are certainly plenty of bogleheads in Chicago, but it's such a large place that working out something that will suit everyone has failed. The ultimate answer is probably to have one group...
by Alex Frakt
Wed Feb 24, 2016 4:09 pm
Forum: Investing - Theory, News & General
Topic: Reporter Seeking Retirees Who File Their Own Tax Returns
Replies: 5
Views: 957

Re: Reporter Seeking Retirees Who File Their Own Tax Returns

I'm posting to verify that tsb is a personal finance reporter for The New York Times.
by Alex Frakt
Mon Feb 22, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Has anyone else gotten a call from 0?
Replies: 5
Views: 1014

Re: Has anyone else gotten a call from 0?

Locked. Notices of phishing or other scams are considered non-actionable unless they are of some particular relevance to our members.
by Alex Frakt
Mon Feb 22, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Most Important Financial Decision: Where to Live?
Replies: 38
Views: 3667

Re: Most Important Financial Decision: Where to Live?

Locked. Neither personal, nor actionable. For more information, please see A reminder that non-investing general comment threads are OT . Note that these threads are usually deleted entirely, we do lock but leave one up from time to time as a reminder to those who aren't familiar with our policy.
by Alex Frakt
Wed Feb 03, 2016 2:36 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 6722

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: 6722

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: 1573

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: 14
Views: 1182

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: 1121

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: 5045

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: 1156

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: 1156

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: 3794

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: 5758

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: 966

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: 489

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: 3794

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: 3794

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: 1547

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: 5758

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: 1547

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: 656

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: 2250

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: 2250

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: 2250

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: 2250

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: 2250

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: 3599

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: 2650

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: 1555
Views: 802781

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... ...

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