Search found 688 matches

by BogleMelon
Thu Oct 19, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Small article : Investment priorities change
Replies: 5
Views: 537

Re: Small article : Investment priorities change

This article may answer you: Both theory and historical evidence demonstrate there isn’t anything unique about dividends. They are just another source of profit, along with capital gains. Yet many investors treat these two sources of profit very differently, with negative consequences in terms of lo...
by BogleMelon
Thu Oct 19, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 31
Views: 1812

Re: How does the medical billing system work?

I found this video useful to understand!

Adam Ruins Everything - The Real Reason Hospitals Are So Expensive:
https://www.youtube.com/watch?v=CeDOQpfaUc8
by BogleMelon
Tue Oct 17, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start investing?
Replies: 19
Views: 1074

Re: Should I start investing?

You didn't ask, but I'm going to offer you a tip about that car. Okay, you made the decision to purchase a $33+k car and you don't want to trade it in because you really, really like it. So, take good care of it and seriously plan on driving it for at least 10 years -- or even more. But after you h...
by BogleMelon
Mon Oct 16, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: Swedroe: ‘Sure Things’ Check-In
Replies: 5
Views: 1402

Swedroe: ‘Sure Things’ Check-In

For me, this article is a reminder that no one can really predict the future consistently.. Enjoy! At the start of 2017, I compiled a list of predictions that gurus had made for the upcoming year, along with some items that I hear frequently from investors, for a sort of consensus on the year’s “sur...
by BogleMelon
Tue Oct 10, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7435

Re: Do you want your receipt?

I say yes for 2 reasons, cause I log all transactions into my budgeting software and after that I reconcile the balance with my CC. Second, in case something went wrong (eg.: found a bug in my coffee!! Or even find only hot water in my cup!!) :mrgreen: IDK, but I need something for few hours that pr...
by BogleMelon
Sat Oct 07, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to jump off the ship (career question)
Replies: 10
Views: 1715

Re: Is it time to jump off the ship (career question)

What age is the owner? Old at 62 is different than old at 75. If the owner is 75 (or more) and you know that his heirs don't want to be involved in the business, then I would look for a new job. Old as 89 or may be more How big is the company? Is it likely that it could be sold and continue to oper...
by BogleMelon
Sat Oct 07, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to jump off the ship (career question)
Replies: 10
Views: 1715

Re: Is it time to jump off the ship (career question)

delamer wrote:
Sat Oct 07, 2017 5:37 pm
What age is the owner? Old at 62 is different than old at 75.

If the owner is 75 (or more) and you know that his heirs don't want to be involved in the business, then I would look for a new job.
Old as 89 or may be more
by BogleMelon
Fri Oct 06, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to jump off the ship (career question)
Replies: 10
Views: 1715

Is it time to jump off the ship (career question)

I am working in a manufacturing company making an average salary of my peers. I am there for less than 2 years (have 15 years of experience in my field) Things I dislike: - Antiquated in terms of how work getting done (Even a simple change to my bank direct deposit or W4 requires a paper copy to HR)...
by BogleMelon
Fri Oct 06, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8073

Re: I'm thinking about cashing completely out of equites....

If you think that the market is overdue, then experts too would know that. If experts and the public know that, everyone would be selling and liquidating by now, and if that is happening, then the market wouldn't be at its historical highs because of the low demand!
by BogleMelon
Fri Sep 29, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8226

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

Putting your money in stocks IS putting it into real estate and businesses. Stocks merely represent ownership in a company. Some companies are in the business of real estate. Direct investments in real estate and businesses are not without risk. Starting a business yourself is especially risky, but...
by BogleMelon
Fri Sep 29, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 4924

Re: My first promotion without a pay increase

The way I look at it is: We sell our time and energy for the money. The company takes a piece of our lives for money. If the company wants to take more piece of our lives as in the case of getting promoted (AKA now you sell time, energy and responsibility) at the same salary then you are selling mor...
by BogleMelon
Wed Sep 27, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7021

Re: VG using outsourcing to call me & I'm not happy

Out of context question, but seriously how are we supposed to vote? I know no names, and have no idea who are these people and i don't care to know any of them!!
by BogleMelon
Thu Sep 21, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2811

Re: How to deal with Amazon purchases with Mint.com??

That was one of too many reasons that made me switch years ago to YNAB! Does YNAB auto-split Amazon into appropriate categories? If not - can you let us know what you mean by this? Years ago (just a few years ago) YNAB didn't even auto-pull - every thing was manual. I still use YNAB 4 which is manu...
by BogleMelon
Thu Sep 21, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2621

Re: Bitcoin AA - Just out of Curiousity

30sep16 wrote:
Thu Sep 21, 2017 1:47 am
BogleMelon wrote:
Tue Sep 19, 2017 3:56 pm
greg24 wrote:
Tue Sep 19, 2017 3:43 pm
I don't consider currencies a mean of investing. Currencies were created and used for 2 things (investing is not one of them):
1- As a mean of exchange
2- To speculate on.
And skyrocketing.
You mean "and skyrocketed" because no one can tell if the skyrocketing will continue forever
by BogleMelon
Tue Sep 19, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2621

Re: Bitcoin AA - Just out of Curiousity

greg24 wrote:
Tue Sep 19, 2017 3:43 pm
Can everyone list all the currencies they invest in, not just Bitcoin?
I don't consider currencies a mean of investing. Currencies were created and used for 2 things (investing is not one of them):
1- As a mean of exchange
2- To speculate on.
by BogleMelon
Tue Sep 19, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Re: Disputing credit card transaction for programming Car FOB?

Ok everyone, i decided to move on with life. I won't dispute it. It is better for me to err on the side of getting ripped off than to have a 1% chance that I am the one who is ripping off an "innocent" merchant. Thanks for all your contribution, you changed my mind!
by BogleMelon
Tue Sep 19, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Re: Disputing credit card transaction for programming Car FOB?

So, how much did this adventure cost? ~$75 for the key-smith. it is not the amount as much as the principle. I will dispute only $45+tax which is for the programming, the rest was for cutting the key which he did right, so I wont dispute that. Again, so small amount of dollars to worry about, the p...
by BogleMelon
Tue Sep 19, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Re: Disputing credit card transaction for programming Car FOB?

This is very very common with eBay stuff. Buy a phone for cheap and then run the number to find that it will only work in Viet Nam. It's not Verizon's fault that you bought some unusable phone. Not agree with the analogy of the steak. The company I bought from is a legit company with A+ reputation ...
by BogleMelon
Tue Sep 19, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Re: Disputing credit card transaction for programming Car FOB?

Your wording in your OP is vague but based on the text in your OP I would take it to mean that you're taking a risk regardless of the specific reason. If they specifically stated that it was because the concern was that your key was defective then that's an entirely different matter. Yes they asked...
by BogleMelon
Tue Sep 19, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Re: Disputing credit card transaction for programming Car FOB?

He gave you explicit warnings that the the results of "his work" may not be successful after he programs the key you brought him and you agreed to the service (and it's costs) anyway. I can't see any reasonable explanation for not paying him at this point honestly. Unless his warning specifically s...
by BogleMelon
Tue Sep 19, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Re: Disputing credit card transaction for programming Car FOB?

The car is so new 2016. No one in the cars forum know yet how to do it without equipments
by BogleMelon
Mon Sep 18, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1186

Disputing credit card transaction for programming Car FOB?

I recently bought a car from Hertz, as with Hertz cars they only provide one key! I bought what is supposed to be an OEM FOB key from a reputable seller (company) on ebay, and the key looks and feels exactly like the original. I went to a car key-smith, they said since you provide the key we won't g...
by BogleMelon
Mon Sep 18, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: What is a decent financial book that everyone should buy?
Replies: 20
Views: 1664

Re: What is a decent financial book that everyone should buy?

Toons wrote:
Mon Sep 18, 2017 12:57 pm
The Only Investment Guide You'll Ever Need
Andrew Tobias. :happy


https://www.amazon.com/Only-Investment- ... B003WUYPU6
Thanks, I was thinking the same, but I saw the same book listed in another thread as one of the worst books! not sure why!!
by BogleMelon
Mon Sep 18, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: What is a decent financial book that everyone should buy?
Replies: 20
Views: 1664

Re: What is a decent financial book that everyone should buy?

runner3081 wrote:
Mon Sep 18, 2017 1:01 pm
Run a quick search, there have been great suggestions in similar threads.
To own not just to read
by BogleMelon
Mon Sep 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of investing, where to once and for all
Replies: 17
Views: 2512

Re: Tired of investing, where to once and for all

It depends on your personal situation and how much you have accumulated Vs how much you would need per month/year. Needless to say, the more wealth you accumulated the more it is doable to set it and forget. Vanguard Lifestrategy funds is one way to set it and forget it... However, if you are in a t...
by BogleMelon
Mon Sep 18, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: What is a decent financial book that everyone should buy?
Replies: 20
Views: 1664

What is a decent financial book that everyone should buy?

I am not asking about a decent financial book to read, i can find that list here, rather I am asking particularly about owning that book instead of just borrowing it from library... A book with a big chance that one would need to go over it again every now and then for 1 or more reason..
by BogleMelon
Mon Sep 18, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1083

Re: LastPass Issue

Yes there is something in the settings that tells LastPass how often to log out if ever. But don't confuse the extension settings (click on the icon then preference) with the account settings ("Open my vault" then Account settings)
by BogleMelon
Thu Sep 14, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Bitcoin is dropping right now after a big Chinese exchange announces closure
Replies: 84
Views: 6600

Bitcoin is dropping right now after a big Chinese exchange announces closure

https://www.cnbc.com/2017/09/14/bitcoin-is-dropping-right-now-after-a-big-chinese-exchange-said-it-is-closing.html BTC China said in a tweet Thursday it will close down its operations by Sept. 30 as Chinese authorities crack down on cryptocurrencies Wondering if this is it the beginning of the end!
by BogleMelon
Wed Sep 13, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3743

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

I did 12.5% in a single transaction about a year or two ago, purely for the purpose of re-balancing -- things had gotten more lop-sided than I realized. It was the "right" thing to do, BH-wise. Cost me a fortune in lost appreciation ever since, but I keep telling myself that it was the right thing ...
by BogleMelon
Thu Sep 07, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to decide if there is enough retirement income accrued to start retirement
Replies: 12
Views: 1903

Re: How to decide if there is enough retirement income accrued to start retirement

Let's say their monthly expenses if retired would be around $3,500 (still bugging them to calculate exact expenses). Is that number includes health expenses, other expenses that happens once in a while "car repairs or car purchase, domestic and international trips, etc" Also is the $4K before taxes...
by BogleMelon
Wed Sep 06, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: should my emergency fund be part of my cash AA?
Replies: 8
Views: 544

Re: should my emergency fund be part of my cash AA?

For me I have a separate AA plan for each saving goal.
by BogleMelon
Tue Sep 05, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3598

Re: How do you track expenses ?

Another vote for YNAB here. But make sure you use YNAB 4 (classic) not the new web based one. However, I am not sure how can u still buy it since the company no longer supporting it :oops:
by BogleMelon
Mon Sep 04, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7032

Re: Crashplan for Home ending service late 2018

I noticed that ARQ is not running in the background, that means it doesn't continuously backup the data! am I missing something here?
by BogleMelon
Mon Sep 04, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7032

Re: Crashplan for Home ending service late 2018

Should i have to own a business to be allowed to buy CrashPlan Business subscription?
by BogleMelon
Sat Sep 02, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: I need some help getting started
Replies: 4
Views: 312

Re: I need some help getting started

Welcome to the forum. First you have to differentiate between couple of things: - Custodian which is the company that holds your money (Vanguard, Fidelity,...etc) - Account type (401K/403b > employer sponsored accounts, IRA/ROTH IRA > individual Retirement Account, Taxable account) - Where the money...
by BogleMelon
Thu Aug 31, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my IPS for buying a car!
Replies: 13
Views: 672

Re: Please review my IPS for buying a car!

I have a separate car account. I don't see the problem with doing that if it suits your personality. I can see that after retirement it makes more sense to keep everything in one pot, but as I am working and slowly saving I like walling off my new car money into its own little section. Yes, money i...
by BogleMelon
Thu Aug 31, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my IPS for buying a car!
Replies: 13
Views: 672

Re: Please review my IPS for buying a car!

If you set up separate accounts to manage for every long-term goal you're saving for, you're going to wind up with way too many moving pieces. Stash money in 60/40 or whatever you think is the best asset allocation for your long-term goals. Just plan your general long-term savings so that 13 years ...
by BogleMelon
Thu Aug 31, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my IPS for buying a car!
Replies: 13
Views: 672

Re: Please review my IPS for buying a car!

However, do you plan to do this in a separate account? There's nothing you can buy until you have at least $1,000 in the account. And you might be subject to fees for an account that small. Yes a separate Schwab brokerage account. Schwab fund minimum is just $100. No other fees as I understand! ER ...
by BogleMelon
Thu Aug 31, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my IPS for buying a car!
Replies: 13
Views: 672

Re: Please review my IPS for buying a car!

bloom2708 wrote:
Thu Aug 31, 2017 12:27 pm
13 years is too far out to plan.
So I shouldn't save retirement either, it is 25 years from now to start! :twisted:
by BogleMelon
Thu Aug 31, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my IPS for buying a car!
Replies: 13
Views: 672

Please review my IPS for buying a car!

I've posted before asking about opinions on how to invest money "in a taxable" that would be needed after 12~15 years from now to replace a 2016 car that I have just purchased. I will be saving $125/mo for this goal... I came to the conclusion that I don't want to be in a managed fund such as Vangua...
by BogleMelon
Thu Aug 31, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2811

Re: How to deal with Amazon purchases with Mint.com??

That was one of too many reasons that made me switch years ago to YNAB!
by BogleMelon
Tue Aug 29, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: My experience with buying from Hertz
Replies: 15
Views: 2205

Re: My experience with buying from Hertz

This thread has convinced me never to buy a rental, way too much damage to vehicle and price still rather high. Carmax price and Craigslist quality. Well.. there is no single car in Carmax in my area that holds 2016 Mazda 3. Only 1 car and it is 2014 is geting sold at higher price of my car by abou...
by BogleMelon
Tue Aug 29, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7032

Re: Crashplan for Home ending service late 2018

Sorry, you caught me in the middle of writing my post and it has been clarified. I am still confused. So they charge $50 one time licence fee plus $0.005/GB uploaded plus $0.02 per download (restoring occurrence)? Arq and Backblaze are two separate entities. It's a two party solution: a front end c...
by BogleMelon
Tue Aug 29, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7032

Re: Crashplan for Home ending service late 2018

Sorry, you caught me in the middle of writing my post and it has been clarified. I am still confused. So they charge $50 one time licence fee plus $0.005/GB uploaded plus $0.02 per download (restoring occurrence)? Arq and Backblaze are two separate entities. It's a two party solution: a front end c...
by BogleMelon
Tue Aug 29, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7032

Re: Crashplan for Home ending service late 2018

takeshi wrote:
Tue Aug 29, 2017 9:44 am
Sorry, you caught me in the middle of writing my post and it has been clarified.
I am still confused. So they charge $50 one time licence fee plus $0.005/GB uploaded plus $0.02 per download (restoring occurrence)?
by BogleMelon
Tue Aug 29, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7032

Re: Crashplan for Home ending service late 2018

takeshi wrote:
Tue Aug 29, 2017 9:31 am
Note that while they bill $0.005 per GB/month they bill $0.02 per download. I think it is mentioned above but an Arq license is $50.
What per download exactly means? is it per file? or per occurrence? say my 1TB hard desk crashed, and I needed to restore it, how would they bill?
by BogleMelon
Tue Aug 29, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8180

Re: Relative angry I will not co-sign

Since I became financially literated, I only gave money to a relative one time. she asked for a loan, i knew she has bad circumstances, but in the same time I developed a no-lending policy. So that I gave her the money and made myself clear that this is not a loan, this is a gift. She assured 1000 o...
by BogleMelon
Mon Aug 28, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: My experience with buying from Hertz
Replies: 15
Views: 2205

Re: My experience with buying from Hertz

First off, glad that you had an overall good experience. But second, I have a question - what was the fix for this? I just discovered (thanks to my son :annoyed ) that my seat has been un-clipped. I haven't even had time to look for a solution yet so just thought I'd ask. - Someone has sewn the pla...