Search found 1052 matches

by Cosmo
Sun Feb 12, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3042

Re: Which 25X is it?

C.

Cosmo
by Cosmo
Sat Feb 11, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 143
Views: 19311

Re: Consumer Reports: "Vanguard Does it Best"

Bogleheads: With millions of customers, any company will make mistakes and fall-short of 100% good service. This forum is a logical place to vent anger and disappointment. The September 2016 issue of Consumer Reports did a survey of more than 150,000 investment company readers asking about: Investm...
by Cosmo
Sat Feb 11, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 1844

Re: iPhone SE 16GB - is memory adequate?

dumbbunny wrote:16GB is more than adequate for the way you say she will use her phone no matter which phone you decide.


I agree. Photos and videos would fill it up quickly like Edge above pointed out but these can easily be offloaded and transferred to iTunes on a frequent basis if this is an issue.

Cosmo
by Cosmo
Fri Feb 10, 2017 9:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9115

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

Probably self explanatory for most people here but Cosmo is a character in "Seinfeld", one of my favorite sitcoms. Even though I joined this forum at the very beginning, I was very surprised that "Cosmo" was not taken yet. I was fully prepared to use any of Cosmo's alias names on...
by Cosmo
Tue Jan 31, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2239

Re: what do you do to avoid the advertising noise?

Just read this incredible blog/news post, which found that the Trump team used big-data analytics to target (successfully, one would think) individuals with ads on their Facebook: http://motherboard.vice.com/read/big-data-cambridge-analytica-brexit-trump . This is NOT a political thread so please d...
by Cosmo
Sun Jan 29, 2017 4:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7343

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

I know that this is belated but I wanted to take the time to thank you for everything you do here at Bogleheads. Your well thought-out, carefully crafted, succinct messages are greatly appreciated by all! Thank you for your service to our country and Happy Belated Birthday.

Cosmo
by Cosmo
Sun Jan 29, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3773

Re: Input on Apple Watch-Buy or Not?

Both the spouse and I have Apple Watches and we both have said we would replace them right away if we lost them. Notifications on the wrist are great. I also check the stock market on the watch, answer calls, send texts, respond to texts and emails, and track my activities. I can also play Pong on ...
by Cosmo
Sat Jan 28, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5697

Re: Criteria for admittance to the 2-comma club

livesoft wrote:The real two-comma club is when your portfolio goes up by at least a 2-comma amount in a single year.


Thanks for the reminder. I still need to purchase my lottery ticket for tonight. :-)
by Cosmo
Sat Jan 28, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5697

Re: Criteria for admittance to the 2-comma club

island wrote:
Tycoon wrote:
goingup wrote:Investable assets. I never included home, rental, pension, etc.


I subscribe to this methodology.


Me too.


This makes sense, unless you have a mortgage. Wouldn't you want to include that liability in your assets, along with the asset itself?
by Cosmo
Sat Jan 28, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 5982

Re: where to retire?

I have been searching for a mild climate to retire. I live 1/2 mile from the beach in Southern California so looking for the good lifeCriteria: Excellent weather- don't care for much rain and no snow Seattle Washington Scottsdale, AZ Austin TX Bend, OR Portland, OR Albequerque, NM Hawaii but where?...
by Cosmo
Sun Jan 08, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 2306

Re: Doing taxes for the first time--Please help!

May I suggest an even bolder proposal? Can you do your taxes by reading the Form 1040 instructions and filling out the return with a pencil? That is really the only way you are going to get your first benefit about learning. IRS Publication 17 will get you started. irs.gov has all the forms and ins...
by Cosmo
Wed Dec 28, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10216

Re: How to get rid of your belly........

Silverado wrote:
rgs92 wrote:I saw comments that fruit can add a lot to your weight. I thought fresh fruit (not juices) was a good thing. What is true here?


Fruit has calories, so too much is too much.


Too much of anything is not good.
by Cosmo
Mon Dec 26, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10216

Re: How to get rid of your belly........

Cut sugar out completely and also eliminate bread, pasta, and other grains including beer. Google paleo diet...Mark's Daily Apple is helpful. If you haven't tried before, you'll get great results. Mark's Daily Apple is actually a variation of the Paleo Diet or Primal. The difference here is on the ...
by Cosmo
Mon Dec 26, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10216

Re: How to get rid of your belly........

I started the Primal Diet back in June, which is a high fat and protein diet but cutting out sugars and ALL grains. Basically all your carbs are coming from fruits and vegetables, which means you really need to increase your intake of these. I love eggs and consume over a dozen a week. I quickly los...
by Cosmo
Sat Dec 10, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9977

Re: Warning: BH may be hazardous to your financial health

I've saved so much money not having a Costco nor Sams membership and not buying Vitamix, Echo watches, and other junk that I can afford a Netjets subscription which is actually useful to me. Do you recommend something else other than a Vitamix? I've been using my blender to make smoothies, but hone...
by Cosmo
Sat Dec 10, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9977

Re: Warning: BH may be hazardous to your financial health

stlutz wrote:You need to spend more time here so you don't have time to shop.


+1 Agreed. See Livesoft and his 50,000+ posts. :D
by Cosmo
Sat Dec 10, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: ADT raising rates - should I cancel?
Replies: 19
Views: 2005

Re: ADT raising rates - should I cancel?

new2, Call ADT and tell them a friend (me) went from $55 to $43 mo. last yr..I've been with them 7yrs. and still happy with the service. I betcha they work it out for ya.....rockon' 8-) Haha.. thanks will do. Thanks for the suggestions to call, will call on monday. We have ADT as well. If you would...
by Cosmo
Sun Dec 04, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4539

Re: Not happy with my realtor

I'm a buyer and he's shown me 5 or 6 houses. I'm looking in a particular and relatively small neighborhood. Would it be unreasonable or inappropriate for me to ask him to contact the homeowners there to see if any might be interested in selling? Maybe I should stop thinking of him as my advocate. T...
by Cosmo
Thu Dec 01, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3436

Re: Buy iPhone 7 or Wait for iPhone 8

Experts are speculating that iPhone 8 will be released in September 2017. Who's waiting till then for a phone upgrade? Well by the time it is September 2017, they will be working on the iPhone 9 for the following year. Why buy the iPhone 8 then when you can't wait and get an even better iPhone 9? :...
by Cosmo
Wed Nov 30, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Replace AC Coil?
Replies: 18
Views: 1305

Re: Replace AC Coil?

I live in Texas. When we first moved in, we were told our coil had a pin hole leak and would eventually need to be replaced. I think we were quoted $1,500 or something. However the unit was reaching its life expectancy so it did not make sense just to replace the coil. So we ended up doing nothing. ...
by Cosmo
Wed Nov 30, 2016 6:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 5371

Re: livesoft is almost at 50,000 posts...

Congrats Livesoft.
by Cosmo
Wed Nov 30, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Naive question about laptop repair
Replies: 13
Views: 1131

Re: Naive question about laptop repair

But hey if you're looking for a project, $25 is not going to break the bank. Yeah, exactly, which is why I would not offer more (though they are asking for $150 or so. "or best offer"). I already bought a new computer, so I don't need this one. I just came across it when shopping for the ...
by Cosmo
Wed Nov 16, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Which cell phone for 13 year old?
Replies: 59
Views: 3369

Re: Which cell phone for 13 year old?

Reluctantly I realize it's time for our 13 year old to have a cell phone. I'd like to have pretty inexpensive, and have a limit to minutes/data. No "family plan", just a single phone. I was thinking about one of those Wal-Mart Tracfones, any thoughts on that or other suggestions? Thanks! ...
by Cosmo
Tue Nov 01, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Texas [road trip]
Replies: 63
Views: 4107

Re: Texas

West Texas can be very scenic, places like Alpine, Marfa, Fort Davis, Lajitas, Terlingua, all the Big Bend area, .... When the desert blooms, there is a flower for a every square foot of land and they go on and on for miles and miles. But when the desert is not in bloom, there is ... wait for it .....
by Cosmo
Sun Oct 23, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: The Motley Fool vs. Jason Zweig
Replies: 18
Views: 3662

Re: The Motley Fool vs. Jason Zweig

I'm guessing this post will be locked soon as it is not actionable.
by Cosmo
Sun Oct 23, 2016 8:14 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 13505

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

You'd have to pay me a lot more than $50 to deal with Treasury Direct, that's for sure. From the Treasury Direct Survey Results on the website: Excellent 64% Good 25% Fair 6% Poor 5% You are clearly in the minority on this. You mean in the minority of people who can access their account, which is t...
by Cosmo
Sat Oct 22, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 13505

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Kevin - almost none of this is worth it. An optimally timed and purchased I bond might be equivalent to a 1.5% 1 year CD, say in comparison to a 1% bank CD. After the first year, inflation will likely be back down again and these will be unattractive or at least no better than other options. Given ...
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: 2745

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: 2726

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: 770

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: 770

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: 23
Views: 3900

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: 1274

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: 5634

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: 3152

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: 3152

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: 5669

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: 1857

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: 12823

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: 2634

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: 3747

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: 2198

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: 3528

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: 8124

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: 2288

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: 5566

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: 5566

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: 10095

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: 14680

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 ...

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