Search found 687 matches

by Clever_Username
Fri Apr 28, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 15
Views: 2484

Re: Sell in May and go away - not this year?

The AFC won the Super Bowl, so we're in for a bear. https://en.wikipedia.org/wiki/Super_Bowl_indicator As of January 2017, the indicator has been correct 40 out of 50 times, as measured by the S&P 500 Index – a success rate of 80%. Seems like a weird rule given that the Bears are in the NFC.
by Clever_Username
Thu Apr 27, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 15
Views: 2484

Re: Sell in May and go away - not this year?

If there's a way to successfully time the market, it isn't going to be deterministic or well-known.
by Clever_Username
Thu Apr 27, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4211

Re: Is $20K I-Bonds considered cash or bond?

I like Nisi's description of "conservative assets" instead of obsessing over "is this a bond or not?" As for me, I view them as part of my bond allocation when I think of my overall portfolio as "stocks and bonds." However, I also view them as a tier in my emergency fun...
by Clever_Username
Thu Apr 27, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 32
Views: 2925

Re: Los Angeles house buying

I'm under contract to buy in the greater Los Angeles area (not L.A. City) soon. Give or take at 5x earnings. However, with savings, equity from my previous place, and fairly low expenses outside of housing, I'm not terribly worried. The usual pick X of 3: Affordability: I make good money and don't s...
by Clever_Username
Sun Apr 23, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 35085

Re: Larry Swedroe says "Goodby."

Tragic. Great author, loved seeing his posts too. If you're reading this, thanks for all you did Larry.
by Clever_Username
Tue Apr 18, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today
Replies: 6
Views: 1759

Re: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today

MMM said on Facebook he was doing a Reddit AMA today at 1PM EST Also verified on Twitter: https://twitter.com/mrmoneymustache (and that account is linked from his website) That having been said, I'm not sure what I'd ask him. I like his articles on frugality and cutting unnecessary expenses. I find...
by Clever_Username
Mon Apr 10, 2017 12:06 am
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2443

Re: "We're changing how we report costs. You still benefit."

The highest cost Vanguard fund is, I believe, Vanguard Emerging Markets select at 90 basis points. I have never heard of this fund, and it has $400M in assets compared to $541B in Total Stock Market and $300B in S&P 500 funds, which are 16 basis points at most if you hold Investor shares. Why s...
by Clever_Username
Sun Apr 09, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2443

Re: "We're changing how we report costs. You still benefit."

The highest cost Vanguard fund is, I believe, Vanguard Emerging Markets select at 90 basis points. I have never heard of this fund, and it has $400M in assets compared to $541B in Total Stock Market and $300B in S&P 500 funds, which are 16 basis points at most if you hold Investor shares. Why s...
by Clever_Username
Thu Apr 06, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Unique position
Replies: 17
Views: 1055

Re: Unique position

I have very recently found this forum, and I'm not surprised that so many people hold this philosophy. I have been studying the stock market and I am coming to the unfortunate realization that unless I get lucky, I'm probably not going to get way ahead by picking my own stocks. I will still leave a...
by Clever_Username
Tue Apr 04, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Conflict of Interest at work - could I get fired?
Replies: 21
Views: 3057

Re: Conflict of Interest at work - could I get fired?

If you're in 49 of the 50 states, the default is at-will employment, and other than a few particular things like race, you can be fired for any reason absent a contract otherwise. That's bad news, but it also works in your favor that you can leave when you want also. Failing to disclose a potential ...
by Clever_Username
Sat Apr 01, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4177

Re: Help me respond to an angry insurance agent!

But he now thinks that I stole his work and went with it to another agent. A stupid question, can he win a sue case for that?!! he doesnt even have my information, only email and phone number.. I'm not a lawyer, but I doubt he'd win a lawsuit over that. First, it feels like small claims territory. ...
by Clever_Username
Sat Apr 01, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7078

Re: Is anyone decreasing % of bonds this year?

Probably not. Bonds are for sleeping, not for eating. I didn't have much invested in 2008 so I don't know how I'd react to a market drop for real. Until I know that I can sleep well during such an event, I'll be sticking with age in bonds. Also, Suze Orman as a source for bonds is... problematic. Sh...
by Clever_Username
Fri Mar 31, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 5935

Re: Economics of Charging an Electric Car

To me, the appeal of an electric car isn't environmental (although I like that) or financial (although I wouldn't do it if it were prohibitively expensive). The appeal is having a refueling station in my garage that I don't need to make a stop for. That having been said, it sounds like it works out ...
by Clever_Username
Fri Mar 31, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 10548

Re: Saving 50% of salary; what does it really mean?

Well, for those of us with salaries that aren't in the mid six figures, just maxing out a retirement plan at work gets us a good percent of it without the tax hit. So that may help. Employer matching maybe counts in some figures? In any case, I have no idea what my savings rate is. My spending each ...
by Clever_Username
Tue Mar 28, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 2029

Re: Should we take 0.9% auto financing?

I'd have to calculate the total cost of the loan -- does it raise the price of the car? Of insurance beyond what I'd get otherwise? Do I need to pay origination fees for the loan? If it was the same price I'd pay cash for, without needing insurance I didn't want, and I didn't have to pay origination...
by Clever_Username
Mon Mar 27, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2065

Re: Cord cutting: Masters Golf

Hey cord-cutting golf fans,

The PGA of America just posted this article about how to stream the tournament. I think the list was covered already, but it's a semi-official source for the event.
by Clever_Username
Sun Mar 26, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1305

Re: Free/Cheap Sports Channels

If you have Verizon wireless, you can watch NFL games for free on the NFL Mobile app once football season starts back up. You can watch March madness games for free though an app as well, no matter your carrier. Thats why my brother thought but it wasn't true. You only get to see the games that are...
by Clever_Username
Sat Mar 25, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1305

Re: Free/Cheap Sports Channels

Oh good, you said the kids like football. Go to Youtube -- Indoor Football League Channel . LiveStreaming every game all season courtesy of the league itself! Good quality. Rattlers play tomorrow at 1pm local.
by Clever_Username
Fri Mar 24, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 10
Views: 1187

Re: home buying negotiation tips

Before I start putting in offers, I find two houses that I would like to live in. Having a plan to walk away gives you a lot of power in the negotiation. Admittedly, I don't live in an area where houses sell in a matter of hours with multiple offers, so this advice may not be applicable to your sit...
by Clever_Username
Thu Mar 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2651

Re: Anybody using the TERMINAL over the GUI in ubuntu?

My entire Ph.D. dissertation was done with a series of text files in the LaTeX mark-up language In the 1970's IBM had a markup language called 'Script'. PhD candidates would write their thesis using it, because it was really nice to not have to redo all the page numbers and so on because you insert...
by Clever_Username
Wed Mar 22, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8317

Re: The $1,124,176 Car.

I believe a similar analysis works for not smoking some fairly small amount of cigarettes, such as a pack a day (I have no idea what cigarettes cost these days).
by Clever_Username
Wed Mar 22, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2651

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I love to use the command line. For fun, I'm replying to your post using lynx. I'm excited to see if it's a horrible mess after I submit it and check it in chrome! Wow, it actually worked. I guess bogleheads.org could have survived in 1994! Yes, bad form to reply to myself... Forgiven because lynx....
by Clever_Username
Tue Mar 21, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5252

Re: Best way to expand my vocabulary?

Everybody has two volcabularies. Productive vocabulary is what you say or write. Receptive vocabulary is what you understand. Reading material that is a stretch for you will increase your receptive vocabulary. This is a good thing because you will understand more people, and are less likely to be b...
by Clever_Username
Tue Mar 21, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18605

Re: gratuitous homeownership items

Thank you everyone for the explanation of the bathtub issue. It makes sense and I'll be sure to keep one in my house. Bathtubs - but RE agents tell me I have to keep one. I would like to have zero. What's the deal with this anyhow? I keep hearing it. Is it related to resale value that there's at lea...
by Clever_Username
Tue Mar 21, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2651

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use the terminal all the time. Very convenient for me for moving files, compiling, or compressing.
by Clever_Username
Mon Mar 20, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18605

Re: gratuitous homeownership items

seychellois_lib wrote:Bathtubs - but RE agents tell me I have to keep one. I would like to have zero.


What's the deal with this anyhow? I keep hearing it. Is it related to resale value that there's at least one "full" bathroom?
by Clever_Username
Sun Mar 19, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on renting versus selling, in light of student loans
Replies: 5
Views: 384

Re: Advice on renting versus selling, in light of student loans

Do you plan to move back to Minnesota after these two years are up, and if so, do you want to move back into your existing condo? That may figure into this -- if you can find a renter for some or all of those two years, the bigger issue is that at what might be low cost to you (property manager, vac...
by Clever_Username
Sun Mar 19, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 63
Views: 9578

Re: Google wifi is awesome

I know this is as brazen a product plug as it gets, but I think it's warranted. Thanks for sharing. I will be purchasing this in about 8 weeks when I move into the new home. Do you know how well it works across two floors? Also thank you for sharing. I had heard of this, but hadn't looked into it c...
by Clever_Username
Sun Mar 19, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4483

Re: Collection Agency - Are you kidding?

Comcast did a similar thing to me over a decade ago.... they didn't show up to pick up the cable box when I was moving, the local office was closed by the time this was apparent, and I was moving 300+ miles away so I couldn't stick around and take it back the next day. Comcast's customer service to...
by Clever_Username
Sun Mar 19, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Buying house - what should I expect from real estate agent
Replies: 10
Views: 653

Re: Buying house - what should I expect from real estate agent

I'm in the process of buying a house. My buyer's agent has made suggestions for places to see. I also sometimes send her listings I want to see (I typically find on redfin) and she helps set that up. I also go to open houses on my own (I did this before I started working with her and I continue to d...
by Clever_Username
Sun Mar 19, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4483

Re: Collection Agency - Are you kidding?

Something similar happened to me with a verizon fios cable bill years ago. Eventually we just paid, since credit took a hit and we were trying to buy a house and were busy etc. I don't know how this is legal. :oops: Happened to me with Verizon FIOS too. The kicker is that I have never been a Verizo...
by Clever_Username
Sun Mar 19, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 2626

Re: What is ideal master bedroom size?

The obvious first question is "where are you?" In NYC, a 14x13 apartment might run you five figures a month in some neighborhoods. In parts of Texas, your closet could be that big in a decent house. Just curious if everyone's opinions. We are doing an addition and trying not to overdue it ...
by Clever_Username
Sun Mar 19, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18605

Re: gratuitous homeownership items

I'll add an item that I originally thought was gratuitous, but now I consider mandatory - a washlet toilet seat. I now only regret that I didn't get one sooner. There's a reason 75% of Japanese homes have them. I think that's a bidet? Either way, it's on my to-install list in my new home, and if it...
by Clever_Username
Fri Mar 17, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401k worth the fees?
Replies: 10
Views: 959

Re: 401k worth the fees?

age-35, not planning on working past 50 though Then the absurd expenses won't be worse than not taking the tax deduction and tax-advantaged space, even if you spend the rest of your career here and their 401(k) doesn't improve at all in that time. If you think this place is the future for you, afte...
by Clever_Username
Fri Mar 17, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: 401k worth the fees?
Replies: 10
Views: 959

Re: 401k worth the fees?

goingup wrote:If you change jobs you can roll that into a new 401K or IRA.


Bingo. 1.25% isn't great for a while, but it'll be well over a decade before it is worse than not contributing and just using taxable. Plus, as indicated here, bad 401(k)s become great IRAs once you separate from the job.
by Clever_Username
Thu Mar 16, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2065

Re: Cord cutting: Masters Golf

how do you use reddit to stream? reddit.com 's various community boards tend to post links to various sporting events. also: how do I get masters.com to stream to the apple tv? Through airplay? Not sure for Apple TV, but if you've yet to buy one, consider getting a Chromecast. $30 and easy to take ...
by Clever_Username
Thu Mar 16, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2065

Re: Cord cutting: Masters Golf

CBS is an OTA, so you should be able to get it that way.

Masters.org streamed every round a few years ago and I think many since. I'd be surprised if they don't still do that.
by Clever_Username
Wed Mar 15, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18605

Re: gratuitous homeownership items

Thank you to everyone who replied to my question about the guest room. I don't know how much it will be used -- I think I'll be more comfortable inviting friends over for events that may necessitate it, too, which makes it a great perk if used right.
by Clever_Username
Wed Mar 15, 2017 12:31 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18605

Re: gratuitous homeownership items

Yikes, a few people said 2000-2500 square feet is too much for one or two people. That's the range I'm looking in ... should I be considering a smaller house?

Also is a guest room gratuitous? That's one of the things I really want.
by Clever_Username
Mon Mar 13, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18605

Re: gratuitous homeownership items

Huh, this list is interesting to me as someone in the middle to later stages of buying a home. Steam shower is actually a renovation I was hoping to put in. There's a home I'm thinking to make an offer on whose master bathroom needs a reworking anyway and I'd do that as part of it. Jacuzzi bath I co...
by Clever_Username
Thu Mar 02, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 5984

Re: What degree of stock market decline would tempt you to deviate from your AA?

This is sort of a trick question, because if your answer is anything other than "I wouldn't change it" then you are admitting you have the wrong AA for you and you should change it right now :) Yup, that was my reaction too. I chose my AA -- fairly conservative for my age -- because I don...
by Clever_Username
Wed Mar 01, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 7004

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

I do believe that a recession is in the works. I think this may be akin to the Great Depression quote (forgot from whom) that a guy decided to pull out of the stock market once his shoe shine boy started giving him stock tips. Was it the shoe shine boy from the Police Squad! series? Because I'd tak...
by Clever_Username
Wed Mar 01, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with Life Insurance Salesmen
Replies: 32
Views: 2282

Re: Meeting with Life Insurance Salesmen

DO NOT GO TO THIS MEETING. Ask me how I know. Because I went to the meeting. My return on a whole life policy over the following 7 years was a cumulative -33%. Sounds like yours was a particularly good whole life policy (by the standards of whole life policies). OP, don't go; you're already in a no...
by Clever_Username
Wed Mar 01, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 4624

Re: New YouTube TV Service $35 per month

Are we allowed reaction GIFs on this forum? If not, please imagine the one of Patrick Peterson dressed as a dinosaur and running around to gauge my reaction. $35 is a bit steep ... but far better than cable, and I trust Google (to keep the price at a good point and to not have bizarre hidden fees) a...
by Clever_Username
Mon Feb 27, 2017 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Deciding how much house to get
Replies: 25
Views: 3009

Re: Deciding how much house to get

The best advice I have heard is buy a the smallest house that is big enough for your needs for the next 20 years. The people I know who got burned in real estate were the ones that did things like start with 2 bed room condos with the idea of buying a bigger place in 5 years. Hmmm... I hadn't reall...
by Clever_Username
Sun Feb 26, 2017 3:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 319
Views: 17531

Re: Your USER NAME...what does it mean?

What's the word for something that clearly isn't self-descriptive? That's how to describe mine.
by Clever_Username
Sun Feb 26, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much house to get
Replies: 25
Views: 3009

Re: Deciding how much house to get

Threads on this topic are making me worry as I get more serious about buying a house in the next few months. In my case, I made a list of what sorts of things I want in a house: how many rooms I want, what I'd use them for, what features they need, what upgrades I'll eventually want to make, and so ...
by Clever_Username
Fri Feb 24, 2017 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3690

Re: Ethical dilemma involving birthdays and wine..

Really, no thank you note for eight years? I thought it was just the younger generation that skipped Emily Post. Nowadays I send one of them a present, and I have no idea if it actually arrived. You would know if you had sent a check! (For the younger generation, a check is used like a debit card, ...
by Clever_Username
Thu Feb 23, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3690

Re: Ethical dilemma involving birthdays and wine..

Yeah, I would. I don't know what your tastes in wine are, but there are good wines that can be had for inexpensive, and they'll taste better knowing that you aren't accidentally getting wine that isn't intended to go to you.
by Clever_Username
Thu Feb 23, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out 401k, IRA, and HSA?
Replies: 23
Views: 1723

Re: What to do after maxing out 401k, IRA, and HSA?

Thanks for all the advice so far! First I should add that I have $50K in an online savings account earning 1% for our emergency fund. I am not familiar with Series I Bonds, but will look into them. My IRA is with Vanguard, so I’ll look what they have. Thanks Clever_Username. I figured you had the e...

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