Search found 272 matches

by MichaelRpdx
Sat Jan 13, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5464

Re: 100% VTSAX??

PFInterest wrote:
Thu Jan 11, 2018 8:56 pm
bikechuck wrote:
Thu Jan 11, 2018 8:54 pm
What in heaven's name is VTSAX?
Google
No, Google is GOOG :D
by MichaelRpdx
Fri Jan 12, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32853

Re: Netflix, Your Current Favorite Show

American Gods
tied with
La Casa de Papel
by MichaelRpdx
Thu Jan 11, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23245

Re: What frugal thing did you do today?

IndigoE wrote:
Wed Jan 10, 2018 1:52 pm
First of all, I'm spending the winter in Marrakech, Morocco so, no heating bills. Beyond that I made lentil soup from scratch (of course) for lunch and my husband is making dinner as I write. Couldn't be more frugal or Mor fun!
Thank you for setting a great example!
What was for dinner?
by MichaelRpdx
Thu Jan 11, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: How to learn creative writing?
Replies: 23
Views: 1302

Re: How to learn creative writing?

I think you either have it or you don't. If you have it, it can be made better. But if you don't have it results will be limited. Has anyone ever told you that you are very creative, or exclaimed how good of a writer you are? What? That's irrelevant. Creative writing can be learned. The OP has a de...
by MichaelRpdx
Thu Jan 11, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Buffett on bonds
Replies: 34
Views: 4965

Re: Buffett on bonds

Buffett can also peacefully sleep through a 40, 50, or 60% market decline in trading value. He has rock solid conviction and enough equity to sustain his life through any market event.
by MichaelRpdx
Wed Jan 10, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2010
Views: 1227320

Re: The Three-Fund Portfolio vs Schwab Robo Advisor Portfolio

Bogleheads: Allan Roth, CFA, CFP, author and fee-only advisor, has written an article for ETF.com comparing his own Three-Fund Portfolio with the "sophisticated" Schwab Robo Advisor Sixteen-Fund Portfolio. This is Allan's last paragraph: So, is the Schwab Intelligent Portfolio smarter than the Seco...
by MichaelRpdx
Tue Jan 09, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 118
Views: 6950

Re: 2018 Hedge Fund contest

[edit to delete]
by MichaelRpdx
Mon Jan 08, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: How to learn creative writing?
Replies: 23
Views: 1302

Re: How to learn creative writing?

Fundamental: Write. Sit down and write. Start each day with three pages of longhand stream of consciousness writing. (See Julia Cameron) Write instead of watching TV. Having trouble with what to write? search for writing prompts and work through them. Follow the already given great advice, I won't r...
by MichaelRpdx
Mon Jan 08, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3671

Re: Best Phone Plan for 1 person

Try Google's project Fi... Especially if you are interested in a Pixel 2. Especially if you have foreign travel in your plans. You only pay for the data you use, international roaming is great, international calling rates are among the lowest and you don't pay extra for it. Coverage is not quite as...
by MichaelRpdx
Thu Jan 04, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2010
Views: 1227320

Re: The Three-Fund Portfolio

I was telling an acquaintance of mine who is a CFP that I am going to move to a "lazy" 3-fund portfolio in 2018. He had never heard of the idea :oops: A440: With few exceptions, the financial industry hates The Three-Fund Portfolio because nearly all profits and returns go to the investor--not to t...
by MichaelRpdx
Thu Jan 04, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32853

Re: Netflix, Your Current Favorite Show

Casa de Papel At the start you might think it's a cross between Run Lola Run and Mission Impossilble .By the end of the first episode those impressions start to fade and by the end of the second they are gone. A very twisty crime of the century series. Note you must be subtitle tolerate or have Spa...
by MichaelRpdx
Thu Jan 04, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23245

Re: What frugal thing did you do today?

Paid a bill online. Then I used the window envelope that came with a bill to send a letter to a friend. Had fun aligning the typewritten address with the window - something I learned to do in high school. I'd also like to weigh in on returning books (or any other item) to the seller after you use th...
by MichaelRpdx
Tue Jan 02, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32853

Re: Netflix, Your Current Favorite Show

We were going to watch Fargo, but were prompted to pay...is that normal? More normal than watching exercise or outdoors shows. Where does normal fit in the universe derived from the Coen brothers? EDIT! (gotta work on my literacy skills) Prompted to pay on Netflix? Very to the point of unheard of u...
by MichaelRpdx
Mon Jan 01, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 90
Views: 5292

Re: Individual Stocks That Went Bust

Wang Laboratories, Compaq, Pr1me, Bendix, NCR, Amdahl. I think. Some of them might have gotten merged into companies that still exist, so the stocks might have been exchanged for stocks that have some value, though. Wang was acquired by Gentronics , headquartered in Amsterdam and still going strong...
by MichaelRpdx
Sun Dec 31, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6742

Re: Early retirement pros and cons:

fear/greed wrote:
Sun Dec 31, 2017 5:53 pm
There is some idea that the opposite of working is being bored. This is not so for me. I cannot recall ever having been bored.
The cure for boredom is curiosity. There is no cure for curiosity. ~ Ellen Parr
by MichaelRpdx
Sun Dec 31, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23245

Re: What frugal thing did you do today?

Plymouth56 wrote:
Sun Dec 31, 2017 5:57 pm
One hour and sore knees later, I re-did all my wire connections, while also shorting excess speaker wire I didn't need.
My system now sounds as fantastic as it did in 1992! :happy
I really, really hope you mean shortening instead of shorting.
by MichaelRpdx
Sun Dec 31, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32853

Re: Netflix, Your Current Favorite Show

Black Mirror - if you're into a dystopian satire on modern tech obsessed life.
by MichaelRpdx
Sun Dec 31, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3287

Re: Stoics View on Debt

https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358/ref=pd_lpo_sbs_14_t_0?_encoding=UTF8&psc=1&refRID=9BNTM1X05D269EX2XXEV MY FAVORITE https://www.amazon.com/Ego-Enemy-Ryan-Holiday/dp/1591847818 Bump recommendation for especially those two. While reading the library copy of E...
by MichaelRpdx
Sun Dec 31, 2017 12:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 307
Views: 43106

Re: Roll Call for the Retirement Class of 2017!

Miriam2 wrote:
Sat Dec 30, 2017 8:00 pm
We have a Question for our fellow Bogleheads :?: How many retirees with VG use CFP's to manage their savings?
We use a simple four fund portfolio approach. Life Strategy funds for my wife, the individually selected four funds for me. With that much simple a CFP isn't needed.
by MichaelRpdx
Fri Dec 29, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3287

Re: Stoics View on Debt

Thanks, timmy , for the link to the Daily Stoic. For those who want to do some further reading on Stoic thought, here’s a lovely deal from Amazon: The Stoic 6 Pack, including the Meditations of Marcus Aurelius. Cost? All of 99 cents. (Well, there may be some sales tax added.). See at: https://www.a...
by MichaelRpdx
Fri Dec 29, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3287

Re: Stoics View on Debt

To assist in remaining debt free, and because I've just come from reading the A Year of Extreme Frugality thread, I recommend Project Gutenberg and their copies of On Benefits, the Seneca book mentioned in the Daily Stoics email.
by MichaelRpdx
Fri Dec 29, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4644

Re: A Year of Extreme Frugality

I use my own spreadsheets instead of apps. My spreadsheets are custom made for my patterns of spending and analyzing. More importantly, the manual effort I exert on noting my expenses and entering them into the spreadsheet is a powerful deterrent from spending. This deterrent works partly subconsci...
by MichaelRpdx
Fri Dec 29, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23245

Re: What frugal thing did you do today?

Baked a loaf of Irish Soda Bread. $1.25 in ingredients for a full pound loaf of fresh bread.
Picked up books at the library. Yay! Libraries!
by MichaelRpdx
Thu Dec 28, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis of shares from converted RSUs
Replies: 7
Views: 503

Re: Cost basis of shares from converted RSUs

I also complicated the matter by doing an in kind transfer from the brokerage my employer used for everyone, Fidelity, to Vanguard.

Today I see transfer included cost basis information so Vanguard has it on record.

As for the taxes, Fidelity sold off 50% of the shares for tax withholdings. meh.
by MichaelRpdx
Tue Dec 26, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis of shares from converted RSUs
Replies: 7
Views: 503

Re: Cost basis of shares from converted RSUs

fabdog wrote:
Tue Dec 26, 2017 6:21 pm
the price at the time they vested and were available to you to hold or sell

Mike
Thank you.
by MichaelRpdx
Tue Dec 26, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis of shares from converted RSUs
Replies: 7
Views: 503

Cost basis of shares from converted RSUs

A few years ago my employer granted every employee a block of corporate equity in the form of Restricted Stock Units. As they vested they were converted to shares of common stock and some of the shares sold to cover the tax liability. This past year I completed my vesting and had a small holding of ...
by MichaelRpdx
Sun Dec 24, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2068

Re: Using lumens and color temperature to buy light fixtures

emoore wrote:
Sun Dec 24, 2017 2:42 pm
Its an internet forum, anything you post can be quoted and plagiarized.
Attribution is easy. The ability to plagiarize is not the right to do so. Give credit.

++ to Teague for pointing this out.
by MichaelRpdx
Sun Dec 24, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5675

Re: Not investing through your 30's

I suppose my justification would be that once you hit 40 your income would be higher allowing you to invest more than you would through your 30's. In addition to this it sounds cliche but we do only live once. The thought of stashing away all this income to have when I'm 65 does not align with my t...
by MichaelRpdx
Sun Dec 24, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23245

Re: What frugal thing did you do today?

Put another book on hold at the library instead of buying it from Amazon.
by MichaelRpdx
Sun Dec 24, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Dear Younger Me,"
Replies: 11
Views: 1393

Re: "Dear Younger Me,"

A440 wrote:
Sun Dec 24, 2017 1:36 pm
What would YOU tell your younger self, if it could only be ONE THING?
Don't worry about the cancer. You're going to live a long life.

I had Hodgkin's Lymphoma at 19.
by MichaelRpdx
Sun Dec 24, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 10816

Re: Uber vs Ambulance - HUGE cost difference

If I have a heart attack, I want an ambulance from the very nearby firestation to take me to the hospital. The EMT's should stabilize me and already inform the OR at the hospital that I am coming in, so I get to bypass the ER. Last April I was coughing up "copious amounts of blood," as the EMT phra...
by MichaelRpdx
Sun Dec 24, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2068

Re: Using lumens and color temperature to buy light fixtures

but we are considering 4000K LED lamps for our kitchen. Would you consider that too harsh? Absolutely. You will hate the color. Stay with 3000°K Beg to differ. Our lighting is migrating to daylight balanced, 5000k - 6000k, lights. We find them to be quite pleasant. We were very aware of the differe...
by MichaelRpdx
Sat Dec 23, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4226

Re: The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past? No changes. I'm a Class of 2017 Retiree at 60. My planning inc...
by MichaelRpdx
Sat Dec 23, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6742

Re: Early retirement pros and cons:

But you have a much longer time frame to get bored. My FIL retired at 62 and lived until 91. That’s almost 40 years of practically doing nothing. When I mean nothing, I don’t mean just sitting at home and drinking beer. Doing nothing? That's a personal choice. Retirement is what you make of it. My ...
by MichaelRpdx
Sat Dec 23, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: food for thought
Replies: 53
Views: 4734

Re: Bitcoin: food for thought

tadamsmar wrote:
Sat Dec 23, 2017 1:32 pm
Here's the earliest mention of bitcoin on Bogleheads that I can find:

viewtopic.php?f=10&t=84400&p=1208595&hi ... n#p1208595

October 19, 2011

The title is: Bitcoin value falls 90% since June
Thank you for the research.
by MichaelRpdx
Sat Dec 23, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6742

Re: Early retirement pros and cons:

I think it is important to remember the current attention-getting movement is FI/RE , Financial Independence/Retire Early. The emphasis is on financial independence. Use the strength of financial independence to have the freedom to stay in your job, pursue another, or whatever. This is admirable. I ...
by MichaelRpdx
Wed Dec 20, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Coffee / Espresso Maker
Replies: 5
Views: 667

Re: Coffee / Espresso Maker

Do not forget to invest in a good burr grinder if you want to make espresso. They usually cost at least $250 but are essential to get the proper fine grind for espresso. In fact, in deciding whether to get a cheap grinder vs quality espresso machine, or a quality grinder and cheap espresso machine,...
by MichaelRpdx
Wed Dec 20, 2017 7:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 7895

Re: To Avatar or Not - Get One? How did you choose?

It's not a tattoo. I added the self-portrait to bring some more depth to my presence.
by MichaelRpdx
Thu Dec 14, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 5247

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

This is gambling. It is compulsive and thrill seeking behavior. It is not investing. Until you are willing to accept this nobody here can help you. This is true. The problem is I was a math major so can prove why one should avoid casinos, but this S&P bet seemed certain to have a positive expected ...
by MichaelRpdx
Sun Dec 03, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1727

Re: Help me understand the ACA Cliff

Yes, it's huge. You go from substantial subsidy to none. If you are insuring through the ACA and can control your income this is very important. Zane Benefits has a chart that shows the threshold for family sizes up to eight persons. Below 400% of the Federal Poverty level the subsidy change is fair...
by MichaelRpdx
Mon Nov 27, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4588

Re: best cordless drill??

fishandgolf wrote:
Thu Nov 23, 2017 11:08 am
pshonore wrote:
Thu Nov 23, 2017 11:07 am
I think for typical homeowner use, its tough to beat the Ryobi package offers at Home Depot this weekend.
+1
+2

Also recommended by Mr. Money Moustache and Steve "Wood Working for Mere Mortals" Ramsey
by MichaelRpdx
Mon Nov 27, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5579

Re: 2018 Goals - Financial or Otherwise

Continue to build desired habits by tracking when I take action. For 2017 I had only one resolution: on a daily basis track the eight items I wanted to turn into daily habits. I did not resolve or vow to do any of them. Each of them was a concrete action that could be completed in thirty minutes or ...
by MichaelRpdx
Fri Nov 03, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10791

Re: Anyone planning on getting the new Pixel phone?

Verizon. But I got the unlocked version from Google store. Was it at simple as putting in your SIM from you previous phone? If so, does it just immediately work or does anything need to be done in the account? The Pixel 2 has an eSIM. You get to register with your phone company again. [edit]Ignore ...
by MichaelRpdx
Wed Nov 01, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 16133

Re: 2018 ACA rates now live....

EyeDee wrote:
Wed Nov 01, 2017 3:49 pm
The premiums DO rise in a graduated way that correlates to income, but the gradual change stops when one's income hits 400% of the federal poverty level.
But that bump at 400% reminds me of road construction signs "Abrupt Edge." There is a significant subsidy at 399% and then boom, nothing.
by MichaelRpdx
Wed Nov 01, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10791

Re: Anyone planning on getting the new Pixel phone?

Posts here are making me wish my 2xl would arrive sooner.
by MichaelRpdx
Wed Nov 01, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: ACA Enrollment with COBRA
Replies: 7
Views: 460

Re: ACA Enrollment with COBRA

Calling is magic.
Well, at least if you, like me, get a service rep that knows their stuff.
Issue resolved.
The Marketplace customer service rep filled out the application for me knowing what to do at each point in the process.
by MichaelRpdx
Wed Nov 01, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: ACA Enrollment with COBRA
Replies: 7
Views: 460

Re: ACA Enrollment with COBRA

See this thread from last year. Short answer is that the availability of COBRA insurance does not prevent you from getting a subsidized ACA plan. So much for my google skills. Thank you, cpumechanic had the same problem I do. So the thread is spot on. Now to get to the long answer about how to fill...
by MichaelRpdx
Wed Nov 01, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: ACA Enrollment with COBRA
Replies: 7
Views: 460

Re: ACA Enrollment with COBRA

dm200 wrote:
Wed Nov 01, 2017 2:51 pm

What date did you request that the ACA policy initiate?

Maybe a call to speak with a live person.
This is for 2018 calendar year. I plan to terminate COBRA on 12/31/2017
by MichaelRpdx
Wed Nov 01, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: ACA Enrollment with COBRA
Replies: 7
Views: 460

ACA Enrollment with COBRA

In my first pass at enrollment, I attempted to indicate I have COBRA now and would discontinue on 12/31/2017. All of the prompts indicate stating yes you have a plan available if COBRA is available. Yet my eligibility states "You don't qualify for a tax credit because you told us that you can get qu...
by MichaelRpdx
Sun Oct 29, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 16133

Re: 2018 ACA rates now live....

Bronze plans are effectively catastrophic coverage. in my area their deductibles are $10,000 to $14,700. If your MAGI is under the $64,960 threshold premiums are very low. For an example: MAGI of $42,000 for 60 year old couple several bronze plans are under $5/month. Yes, but aren't some things (su...