Search found 1024 matches

by Cosmo
Mon Aug 22, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Why don't ultra high net worth athletes just use a 3-fund portfolio?
Replies: 30
Views: 2451

Re: Why don't ultra high net worth athletes just use a 3-fund portfolio?

78% of NFL players are broke or commit suicide 2 years after retirement : https://en.wikipedia.org/wiki/Personal_finances_of_professional_American_athletes You didn't bother to keep reading. Further down... "A Fortune magazine article states, however, that a working paper from the National Bur...
by Cosmo
Mon Aug 22, 2016 5:11 am
Forum: Investing - Theory, News & General
Topic: How will you survive a melt up in stocks?
Replies: 10
Views: 2634

Re: How will you survive a melt up in stocks?

http://awealthofcommonsense.com/2016/08/how-to-survive-a-melt-up/ I thought this was Bogle Head type advice that would be beneficial to readers here, especially new ones. ... 1. Don't change your strategy 2. Stay within your comfort zone. 3. Avoid chasing yield and substitutes 4. Don’t own more sto...
by Cosmo
Fri Aug 05, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Exxon Speedpass
Replies: 5
Views: 707

Re: Exxon Speedpass

Thank you everyone for your feedback. Wageoghe the iPhone app sounds intriguing. I had no idea there was something like that.

Cosmo
by Cosmo
Thu Aug 04, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Exxon Speedpass
Replies: 5
Views: 707

Exxon Speedpass

I have recently had my credit card compromised at a local Shell or at least I strongly suspected it was there. Since Exxon gas stations are so prevalent around here, I am curious if anyone uses Exxon Speedpass to purchase gas. Given the stories I have been hearing about people getting their credit c...
by Cosmo
Thu Aug 04, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard Swag ?
Replies: 19
Views: 2750

Re: Vanguard Swag ?

I want the Vanguard bike jersey, but I want it priced like their mutual funds: at cost. $90 for a bike jersey is average retail. That's not Vanguardish at all. In fact, I'll take it a step further, it should be steeply discounted. Free advertising for them. Imagine all of the "hits" they ...
by Cosmo
Fri Jul 22, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance - "overinsured" definition
Replies: 13
Views: 1109

Re: Term life insurance - "overinsured" definition

Most of the advice I was able to find to determine term life insurance amount was either A) buying enough to cover current liabilities (mortgage, student loans) and future liabilities (children's college tuition, vacation home), or B) a multiple of income (10x income). Isn't overinsuring defined by...
by Cosmo
Sat Jul 16, 2016 4:52 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 4878

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

Nintendo ( NTDOY ) stock price has been hanging around $18 per share all year. The Pokemon Go app was released on Wednesday, July 6. On Friday, it closed at $20 and opened Monday at $27. Today is July 15 and it just closed at $33. If "all known information" was already baked into the $18 ...
by Cosmo
Sat Jul 09, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2796

Re: Mice in my grill

It looks like mice have been nesting in my grill. I keep it covered up and keep it clean including the grease trap. Anybody else have this problem? How do you get rid of them? And please don't say get a cat as that is not an option for me. I found that snakes reduce the mice population. :happy Seri...
by Cosmo
Sat Jul 09, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2796

Re: Mice in my grill

It looks like mice have been nesting in my grill. I keep it covered up and keep it clean including the grease trap. Anybody else have this problem? How do you get rid of them? And please don't say get a cat as that is not an option for me. I found that snakes reduce the mice population. :happy Seri...
by Cosmo
Sat Jul 09, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5110

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I have a 401(k) with Fidelity and have been there for 14 years. While I have never had anyone reach out to me suggesting funds, I get numerous emails all the time that my portfolio is way to conservative and that I may not have enough money to retire. I just don't get how they can assume what my ent...
by Cosmo
Mon Jul 04, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bmo Harris $500 bonus
Replies: 7
Views: 1270

Re: Bmo Harris $500 bonus

am wrote:Seems like 10K in the MM for 3 months and $200 may be worth it? Not sure I want to have my check go there for 3 months?



Check with your employer. My employer lets me to split my check and do DD to multiple sources. Cosmo
by Cosmo
Sun Jun 26, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11887

Re: What did you learn from the post-Brexit bloodbath?

I'm chuckling a little bit that Bogleheads are referring to Brexit in the past tense. I think it remains to be seen what the full impact will be. I'm guessing the impact will be more than one day of market activity. This was exactly my first thoughts. We didn't learn anything from it because it is ...
by Cosmo
Sun May 08, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Should I give up Verizon unlimited?
Replies: 21
Views: 2535

Re: Should I give up Verizon unlimited?

I have two phone lines, my wife has unlimited, while I have 4 GB. Total cost is around 190. If I move to the new plans I will get 20 gigs of data between the two of us. and our cost will go down to by 60 dollars a month, should I do it and lose my unlimited? Since my phone bill is also paid by the ...
by Cosmo
Sun Apr 03, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: Tony Robbins Joins Advisory Firm
Replies: 27
Views: 3557

Re: Tony Robbins Joins Advisory Firm

No doubt markets are complex and most investors need the help of experts to guide them into retirement.


Red flag.

Cosmo
by Cosmo
Sun Apr 03, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1890

Re: Cars with low profile tires

I HATE the look of low profile tires. That solves the dilemma of low profile vs. normal tires for me.

Cosmo
by Cosmo
Sun Apr 03, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Bought a farm for $1
Replies: 18
Views: 3436

Re: Bought a farm for $1

JoeJohnson wrote:
livesoft wrote:What does the lawyer that helped your aunt have to say about all this? :)


Exactly what I was thinking!


And as much as I respect the Bogleheads site, I would not take any legal tax advice from people here.

Cosmo
by Cosmo
Fri Mar 18, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7634

Re: Cast Iron Frying Pans

OK! I am the original poster and two days ago dropped $20 at Target for a 12 inch LODGE cast iron frying pan. So far, so good! I've been playing around with it etc. My observation is that the weight of it is somewhat cumbersome and annoying, but making meat (thin steak, seasoned, for steak salad) w...
by Cosmo
Thu Mar 17, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage prepayments & savings targets
Replies: 20
Views: 2155

Re: Mortgage prepayments & savings targets

It's a preference. The way my spreadsheets work: my mortgage balance affects my NW, so if I pay more, my NW goes up because my liability went down. But the overpayment is not counted as savings. For me, savings equals money that goes into our 401(k)s, Roths, taxable account, and savings accounts. H...
by Cosmo
Sun Mar 06, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 4994

Re: Bonus taxed at 44.46%?

FYI :happy " The IRS categorizes bonuses as “supplemental wages,” which are treated differently than salary or ordinary wages " http://www.gobankingrates.com/personal-finance/bonus-bad-news-tax-refund/ This explains it very well and is exactly what I always suspected. “If you make $2,500 ...
by Cosmo
Sun Mar 06, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 4994

Re: Bonus taxed at 44.46%?

Rainier wrote:Those aren't taxes, that is withholding!

Do you understand that?


You didn't really answer his question why a bigger chuck was withheld for Uncle Sam than usual.

Do you understand that?
by Cosmo
Wed Feb 17, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 9619

Re: Applied for 100 jobs, no callbacks. What's up?

Have you considered using a recruiter that specializes in your field of interest? Recruiters frequently have access to jobs that are not on the web and you also have the ability to get feedback from them regarding your resume and company's interest in your experiences. The Judge Group is one recrui...
by Cosmo
Sat Jan 16, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 14010

Re: It sure looks like a good time to invest in oil

I think you just experienced a significant market decline in stocks, but then again, maybe not? Around 10%... But that's not enough of a decline for me to make significant purchases (aside from my regular contributions). If I see a decline of 20% or more from peak I would start buying. For that to ...
by Cosmo
Sun Jan 10, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 5462

Re: Lottery Win...Could a Boglehead handle it?

Fun thread. I am amazed that this is still not locked. Moderators -thank you for letting this one slip by. We can all dream.

Cosmo
by Cosmo
Sat Jan 09, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Why plane fares so expensive???
Replies: 53
Views: 5723

Re: Why plane fares so expensive???

I travel from DC to South Bend in March and October. I paid $310 back in October with United. Now prices are over $500. With gas prices low, I expected lower prices. An option has been to fly to Midway and rent a car. Southwest used to have three direct flights a day and now need to go through Atla...
by Cosmo
Tue Jan 05, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 9819

Re: How do you organize your finances? Do you use Mint.com?

I use it. Yes, it is awesome. Yes it is safe to hook up all your accounts. One good use is I can see exactly how much I make and spend in 2015. Yes, I would use the word awesome. As an added bonus, they carefully monitor your transactions and let you know if a large transaction was recently posted....
by Cosmo
Fri Dec 18, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 7043

Re: What am I missing ? ... Smart Phones $100 vs. $600

Seems like a similar question to "What does a Lexus LS do that a Honda Civic does not do?". While they both do the same basic thing (get you from one place to the other), one has significantly more features that some folks are willing to pay for. Nope. Take a drive in each and you won't h...
by Cosmo
Fri Dec 18, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 10075

Re: Should I just give my wife (folded) money?

Don't get a roomba or any other kitchen- or cleaning equipment. Trust me on this :P I see your point but I strongly disagree about the Roomba specifically. In this case, you are buying her something that will significantly eliminate sweeping of floors (in theory). It's a lot different than purchasi...
by Cosmo
Thu Sep 10, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 5166

Re: iPhone with or without contract?

(Original thread started in May 2015) OK, with the latest generation of the iPhone being announced today, I am awakening this thread from its nearly four month slumber. So here we are in the month of September and iPhone fans need to make a decision on whether it makes sense to upgrade. For me, I h...
by Cosmo
Thu Sep 10, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 6923

Re: Poor man's auto navigation system?

One advantage of using Google Maps is that it is up-to-date in real time. Shows accidents, road construction zones, traffic, etc. You don't get that with a Garmin. You miss out on all of that with paper maps too. Google maps will be constantly be suggesting a faster route by altering your current r...
by Cosmo
Wed Sep 09, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 5166

Re: iPhone with or without contract?

(Original thread started in May 2015) OK, with the latest generation of the iPhone being announced today, I am awakening this thread from its nearly four month slumber. So here we are in the month of September and iPhone fans need to make a decision on whether it makes sense to upgrade. For me, I h...
by Cosmo
Sun Sep 06, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: Should I change to artificial grass (in SoCal)?
Replies: 43
Views: 3717

Re: Should I change to artificial grass (in SoCal)?

I would put using artificial grass in the same category as a balding guy that tries to comb the hair from the sides of his head over the top to cover the bald spot. At best it won't fool anyone but at least the polite people will not say anything about it. I disagree. Some of the newer types of art...
by Cosmo
Sun Sep 06, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 48
Views: 5380

Re: Career Issue -- How do I recover?

Wow, that is kind of scary. Not really. It saves lives. People learn that they really didn't need to be on that trajectory and still have satisfying and fulfilled lives. They retire early and then haunt internet forums offering up advice in more than 40,000 posts. Wait a minute? That sounds like li...
by Cosmo
Fri Sep 04, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 59806

Re: Question for the Bogleheads Millionaires

There are many ways to get to be a millionaire. I will let you know the most predictable, but most won't like the answers: 1. Get a good education 2. Get a highly paid job 3. Marry a spouse who values the same things (if he/ she works as well even better) 4. Save a lot ^ This although I would re-wo...
by Cosmo
Mon Aug 31, 2015 11:04 am
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 5480

Re: Slow speed

If anything, even slower this morning.
by Cosmo
Tue Aug 04, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 80
Views: 8471

Re: Aloha Shirt: Yes or No

This reminds me of one of many great quotes from "Office Space".

Bill Lumbergh: "Oh, and remember: next Friday... is Hawaiian shirt day. So, you know, if you want to, go ahead and wear a Hawaiian shirt and jeans."

What company didn't do this in the late 90s?

Cosmo
by Cosmo
Sun Jul 26, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 3267

Re: How much does Property Tax factor in home purchase?

Property taxes are important because if you cannot afford to pay them, then your life will be miserable in the new house. And sometimes property taxes may seem to be "unfair". I know in my neighborhood, we pay about 10% to 20% less than comparable neighbors because we protest the tax auth...
by Cosmo
Wed Jul 15, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 2151

Re: Music player while exercising

Why wouldn't you use your smart phone to play music? It will also keep track of your "steps", your heart rate, and map your hiking, cycling, running, etc. Now I don't like the armband thing for phones, so I put my phone in the back pocket of a cycling jersey which I wear whenever I want m...
by Cosmo
Sun Jul 12, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 2297

Re: House Layout: Where to put Dining Table?

tigermilk wrote:Neither. Use the breakfast area (looks to be the same size as the dining room) and gain an extra room for a home office or other use.


+1.

Actually, why not use 100% of the breakfast area and then partially overflow into the family room?

Cosmo
by Cosmo
Mon Jun 29, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Learning Guitar
Replies: 30
Views: 4135

Re: Learning Guitar

For a beginner guitarist, I highly recommend Justin guitar: http://www.justinguitar.com. In true Boglehead fashion...it's free! (unless you would like to donate) +1. There is this and then, of course endless Youtube videos. I casually play some guitar and boy, I can really get lost on youtube guita...
by Cosmo
Mon Jun 29, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 12525

Re: New tires - where to buy, how to get a good deal?

Never found anyone that can come close to Discount Tire Direct. During holiday sales, they have stackable rebates. Memorial Day sale - bought two sets of H727 tires for my Civic and mom's Elantra. Civic was $107 net (set of four!) Elantra was $163 net + mounting/balancing. I do my own rotations and...
by Cosmo
Sun Jun 28, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 29613

Re: The next Lehman - this week? [Greek default]

livesoft wrote:Can you believe this thread is 4 years old?


Good one, livesoft, I fell for this one too. Amazing indeed.
by Cosmo
Sat Jun 27, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Three devices = redundancy
Replies: 45
Views: 7390

Re: Three devices = redundancy

If it were me, I would get rid of the tablet and get a slightly larger phone with a bigger, higher resolution screen, but it is easy to find non contract flip phones for about $25 if you just do a Google search. The one I use for outdoor work is a hand me down from a friend. I have another waiting ...
by Cosmo
Sat Jun 27, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers quotes for today
Replies: 13
Views: 2822

Re: Jim Rogers quotes for today

What you need in a bubble is a 26-year-old. They think that a bubble is normal, that this is the way the world is, and that they are making so much money they think they are brilliant. On the downside, you need a 76-year-old, but even the 76-year-old can get wiped out, too. "Opinion: Jim Roger...
by Cosmo
Sat Jun 27, 2015 10:20 am
Forum: Forum Issues and Administration
Topic: Can we put up to vote if forum members want to see topics that are financial but related to politics
Replies: 22
Views: 2948

Re: Can we put up to vote if forum members want to see topics that are financial but related to politics

Question to the board: would there be an interest in opening up the board to potentially political topics. Like someone just posted a topic that talks about impact of OBERGEFELL v HODGES on Social Security, and it was locked. I understand that under the current rules, that topic should be locked. H...
by Cosmo
Sat Jun 20, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 5709

Re: Is Private Banking ever useful for simple Bogleheads

What is private banking and I am still not clear of any special privileges that you would get. I have been banking at Wells Fargo for 25 years. As a result of auto deposit of my paycheck, I get free a free checking account there, with free WDs (rarely needed these days). I use their app to deposit c...
by Cosmo
Sat Jun 20, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 8
Views: 1709

Re: New Garage Doors

After 20 years I replaced my 'California tilt-up' doors with conventional roll-ups - best thing I ever did. I got aluminum ones with a layer of some sort of plastic bonded to the inside to quiet them. I've had them around 20 years now and the only thing I would change if I did it again would be to ...
by Cosmo
Sat May 30, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity as part of your Net Worth?
Replies: 25
Views: 3320

Re: Home Equity as part of your Net Worth?

This has been discussed ad nauseam very recently here.

http://www.bogleheads.org/forum/viewtop ... 2&t=165715

Cosmo
by Cosmo
Sat May 16, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 5641

Re: Networth question

goodenyou wrote:Home equity is not usually included in net worth calculation. It is the "you gotta live somewhere" argument.


Net worth should include EVERYTHING, including your home.
by Cosmo
Thu May 14, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 6890

Re: Why is Vanguard's Web Site So Bad?

I think the answer to the question posed in the thread title might be: Because it costs money to improve it and Vanguard wants to keep costs low because that's what clients expect. Or another form of the answer: Clients don't want to pay for a better web site. OT but this doesn't explain why they a...

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