Search found 48 matches

by PNW1
Tue Aug 15, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Good Banks to Avoid Fees (No minimums, etc.)
Replies: 9
Views: 729

Re: Good Banks to Avoid Fees (No minimums, etc.)

Any credit unions in your area? I second this suggestion. I've used a local brick-and-mortar credit union for all of my banking needs for the last twenty years. When I travel, I'm still totally able to use credit union services because they're part of a large network of credit unions. There is an a...
by PNW1
Mon Jun 19, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 2000

Re: Olympic NP and Mt Rainier NP

You've gotten a ton of great advice. I specifically wanted to suggest Silver Falls / Grove of the Patriarchs and Hurricane Ridge, which letsgobobby has already done very well. Growing up in this area, those were frequent hikes when out-of-town relatives were visiting and we wanted something that was...
by PNW1
Tue Jun 13, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 5471

Re: Spouse returning to work. How to keep low stress lifestyle?

I mostly wanted to chime in to say that you and your family seem to have a great situation going. Where do I find a partner like the two of you found? :) One question I have is about your company. Is it privately held? If so, how old is the principal owner? Do you know what his or her long term plan...
by PNW1
Mon Jun 05, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 10509

Re: Worth it to buy expensive clothes?

As many other people have pointed out, fit is king . High quality, excellent garments that don't fit you well are a waste of your money. Working with a good tailor can be an excellent way to acquire well-fitting clothing. Upper body fit is more important than lower body fit, and is harder to buy off...
by PNW1
Fri May 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Do stocks always go up long term?
Replies: 56
Views: 5543

Re: Do stocks always go up long term?

Thank you. I understand your model now. Piketty was high on my list of "books that I would buy and then not read". Like Thinking Fast & Slow, which actually did find its way onto my bookshelf. Too many books like that ;-). Hah! I own a hardback copy of Thinking Fast & Slow and while I have skimmed ...
by PNW1
Thu May 18, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Do stocks always go up long term?
Replies: 56
Views: 5543

Re: Do stocks always go up long term?

Piketty goes over such data (mostly from Europe but also from North America) in excruciating detail and his conclusion is that absent wars/ revolutions , capital returns have basically exceeded rate of growth. It is intuitively obvious to me that this result should be true. I think revolution is th...
by PNW1
Sat May 13, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 4358

Re: How much to tip movers?

I hate tipping. It's an awful custom. Even so, I always tip people who I hire to help me move. For my local moves I've had the help of friends and family. I buy them a meal and give them my sincere thanks. When a friend or family member moves, I help them too. Every time I've moved out of area, thou...
by PNW1
Wed May 10, 2017 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Job choice
Replies: 18
Views: 2163

Re: Job choice

My answer reflects my values, which are not necessarily your values. Let's call my after tax income X . This is inclusive of such things as medical benefits, bonus, 401(k) match, and any other financial benefits that accrue to me as a result of my employment. I currently work an average of just abov...
by PNW1
Wed May 10, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: What is up with this fee structure? Helping a non-profit not get snookered.
Replies: 3
Views: 586

Re: What is up with this fee structure? Helping a non-profit not get snookered.

If I had to guess, which I'm about to do, I would imagine that the representative is suggesting you ignore the ERs because they won't show up as fees. There won't be a line item that says "Here's the impact of your ERs, diminishing your returns by $X this quarter." Instead, everyone's returns will b...
by PNW1
Mon May 08, 2017 1:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 58
Views: 11413

Re: Seattle Area Chapter Meetings - Master Thread

Perhaps someone who lives in Seattle should start scheduling Seattle meetings? I would rather add a meeting than reduce the frequency of Eastside meetings. The Eastside meetings are already not that frequent and I am guessing many of the Eastside attendees won't make it to Seattle. This doesn't sou...
by PNW1
Mon May 08, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Why is Citi giving me money?
Replies: 10
Views: 2361

Re: Why is Citi giving me money?

Neither my wife nor I spend much money shopping, at least not at retail. I've been bombarded by adverts from my two Citi Cards to try their "Price Rewind" service, so I dug out receipts from the last month and entered all of my purchases. So far, for about 15 minutes of work, they have found $55 in...
by PNW1
Mon May 08, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1464

Re: Seattle and Vancouver with kids

When are you going? The Ballard locks has a fish ladder with underwater viewing of the salmon returning to spawn. It's also kind of interesting to see how they move boats between the lake and the sound (which are at different heights) http://www.myballard.com/ballard-locks-seattle/ http://www.govli...
by PNW1
Wed May 03, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Buy in Shares instead of Buy in Dollars?
Replies: 22
Views: 2961

Re: Vanguard: Buy in Shares instead of Buy in Dollars?

I'm trying to backdate a dollar gift of VTSMX to the child's DOB. I won't be conversing with the child about this for many years, but when I do, I think it would be meaningful (relatively speaking) to say: I purchased X dollars of the stock market on the day you were born , and here's what it's wor...
by PNW1
Sat Apr 15, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: How often are capital gains from Vanguard funds reinvested?
Replies: 31
Views: 2161

Re: How often are capital gains from Vanguard funds reinvested?

Perhaps this will help in understanding: There are four ways to have "gains" in mutual funds. 1. The fund can distribute dividends. They are taxable whether or not they are reinvested. 2. The fund can distribute capital gains. They are taxable whether or not they are reinvested. 3. The fund can hav...
by PNW1
Sat Apr 15, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: How often are capital gains from Vanguard funds reinvested?
Replies: 31
Views: 2161

Re: How often are capital gains from Vanguard funds reinvested?

Wanted to clarify my post a bit better, with examples... Let's say I have $10,000 invested in VTSMX. Tomorrow, I see that the value of VTSMX has gone upto $10,500. Will that $500 get reinvested for additional stocks of VTSMX? I see online that there is an option to automatically reinvest dividends ...
by PNW1
Sun Apr 09, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Employee Compensation Question
Replies: 11
Views: 1379

Re: Employee Compensation Question

... How is this 40%? You're getting 10% in 6 months. But really, your money is only gone an average of 3 months, since it's not like you're fronting the money all upfront like with a CD, but instead contributing per paycheck. 10% in 3 months is over 40% annualized. That said, you'll probably want t...
by PNW1
Fri Mar 31, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 12599

Re: Currently have $700,000 at 26 years old get $100,000 a year

Chalk me up as another voice saying that "balanced fund" could mean many different things, and being more specific will elicit better advice. Reading through the wiki, as linked to, would be very sensible. I debated writing the following, but feel that it's important. Please realize that y...
by PNW1
Mon Mar 20, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Short visit to Hong Kong - "must do/see"?
Replies: 16
Views: 1546

Re: Short visit to Hong Kong - "must do/see"?

I enjoyed visiting Victoria Peak. You can take a funicular tram there from Central (on Hong Kong Island, across Victoria Harbour from Kowloon). There's a very easy walk up there that will take you past multiple beautiful vantages. I remember being struck by the stark line where a city of skyscrapers...
by PNW1
Fri Feb 03, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 7397

Re: It appears Fiduciary changes may not happen after all.

Dirghatamas wrote:PNW1. I wasn't replying to you. It just so happened that my post followed your post and perhaps you thought I was commenting about your thoughts in a negative way..I wasn't. Sorry for the confusion.


I did think that, but I see that I was incorrect. Sorry for being confused.
by PNW1
Fri Feb 03, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 7397

Re: It appears Fiduciary changes may not happen after all.

Meh. Yes, it would be nice but why does it affect Bogleheads? If you are smart enough to be on this board and have read the WIKI, books, threads, you are unlikely to be fooled. ... The only person you can trust with your money is you. That gives a level playing field. As for 401K, even without the ...
by PNW1
Fri Feb 03, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 7397

Re: It appears Fiduciary changes may not happen after all.

Nothing stops one contractor from offering to repave my driveway for $20,000 while another might do a better job for $5,000. I check BBB and other reviews before I hire folks. I did similar once when I sought advise from a personal advisers. I know we live in a capitalist free-market country and ac...
by PNW1
Wed Nov 23, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 8406

Re: Fountain Pens - Do you use one?

I use a fountain pen almost daily at work... I do think it's interesting that a $100 pen is considered basic here on the forum. The most I've ever paid has been $40, and that seemed crazy to me. Our air is rarefied indeed. Your pens and inks sound really interesting. Glad to hear you enjoy them so ...
by PNW1
Tue Nov 22, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 8406

Re: Fountain Pens - Do you use one?

I use a fountain pen almost daily at work. So far today I've used a Pilot Metropolitan with oxblood red ink and a Lamy AL-Star with some sort of deep violet ink. I ran my Pilot Knight (with business-appropriate Waterman Blue) until it was dry yesterday, and didn't remember to fill it last night. It'...
by PNW1
Fri Nov 04, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 5775

Re: Gaming system for kids?

Perhaps people know that the OP has a son, and not a daughter, from another thread. If that isn't the case, though, I hope I can un-offensively point out that a bunch of us are jumping to conclusions; the almost-seven-year-old in question might be a girl. :happy
by PNW1
Fri Nov 04, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 5775

Re: Gaming system for kids?

Video games are addictive, as are television and movies and books and running around in the woods. I grew up with an Atari 2600 in the early 80s and still play video games as an adult. As with everything else in life, moderation is key. Don't feel bad about buying the kids a video game system, and d...
by PNW1
Tue Oct 11, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Moving to Tri Cities Wa
Replies: 19
Views: 2536

Re: Moving to Tri Cities Wa

Eastern WA is very different than what everyone thinks of about Seattle and rain and all. It's high desert over there. Not as high in elevation, but similar to Colorado and Boulder for the most part. Just as Colorado claims over 300 days of sun... If she thinks Boulder and San Diego were too cloudy...
by PNW1
Tue Oct 04, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 32
Views: 6565

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

I like and use GNUCash, but it's certainly not the most attractive program at first glance. I started tracking my finances digitally a couple of years ago. I tried out an older non-web version of YNAB for the free 30 day trial, and I thought it was a pretty fantastic program for budgeting . And it w...
by PNW1
Wed Aug 17, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my old 401K?
Replies: 12
Views: 1023

Re: What to do with my old 401K?

One consideration is whether you would like to be able to contribute to a Roth IRA but earn too much income to be able to qualify for a regular Roth IRA contribution. If so, having all of your non-Roth retirement accounts in a 401(k) can allow you to contribute to a Roth IRA through what is colloqui...
by PNW1
Tue Aug 16, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 34
Views: 2743

Re: Editing shortcut emacs-like keys. Do u use them?

zaboomafoozarg wrote:I write my posts in vim and then copy them into the browser. :P


I write my posts in emacs and then paste them into the browser. In fact, I use emacs so much that I've created a desktop-level keyboard shortcut (ctrl-alt-q) to pop up an emacs window.

It's certainly an acquired taste. :)
by PNW1
Mon Aug 01, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Vacation loans
Replies: 37
Views: 4284

Re: Vacation loans

It always amazes me that when interest rates are so low on the receiving end, that this credit union and credit cards are even allowed to offer these exorbitant interest rates. Seems like it should be illegal. So the government should set prices for goods and services? The government tells you how ...
by PNW1
Thu Jul 14, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Clothing upgrade for professional environment
Replies: 78
Views: 5500

Re: Clothing upgrade for professional environment

OP, you're already getting a lot of great advice. Here's a reiteration of some things others have said, as well as (I think) some new advice: Fit is key. You don't want to wear clothing that is painted onto you: at best it looks trendy, at worst it looks terrible, and it probably won't be comfortabl...
by PNW1
Thu Jun 30, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 5299

Re: Equities = musical chairs?

RadAudit wrote:OP, hope you are happy with your G fund.

Best of luck.


In contradiction to my earlier post, I think that this is exactly the correct response.
by PNW1
Thu Jun 30, 2016 4:16 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 5299

Re: Equities = musical chairs?

I'm not sure how to respond here. It sounds like the OP doesn't believe in stock ownership, but does believe in dollar (and gun, and butter) ownership. Could a person make an argument that stock "ownership" is just a delusion shared among millions of people, and that it's not real? That it...
by PNW1
Tue Jun 21, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 5825

Re: Headphones, consumerism, and escalation of "needs"

LadyGeek wrote:Do you have a headphone amp?


You monster.

(But, yes, the OP certainly "needs" one. I have two!)
by PNW1
Mon Jun 20, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Good college major quiz
Replies: 15
Views: 2160

Re: Good college major quiz

There's already some great advice here. One more question for you: how much time are you willing/able to spend in training before you start making a "grown-up" living? Do you want to be working in your job/career after four years of undergrad? Are you willing to spend several years after u...
by PNW1
Wed Jun 15, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 6706

Re: Webcast jack bogle

if i missed todays webcast by jack bogle can i see it anywhere?? They said, at the close of the webcast, that it will be posted in the future. I imagine someone on the forum will provide a link when that happens. I got the sense that it might be a week or two before they post it, but perhaps I misu...
by PNW1
Wed Jun 15, 2016 2:55 pm
Forum: Forum Issues and Administration
Topic: What happened? (Forum was down for hours)
Replies: 20
Views: 3392

Re: What happened? (Forum was down for hours)

We've had several instances where the bogleheads.org server powers itself off without any indication of a problem. Each time, other hosts on the same power line have remained up. Although I can't prove it, I have long suspected power supply problems. Today, I ran a tool from HP to estimate the powe...
by PNW1
Wed Jun 15, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 6706

Re: Jack Bogle will Appear on Webinar [Today Wed., June 15]

Yeah, first Vanguard webinar for me too. I'm working from home today so I can watch it over lunch without any coworkers distracting me. :sharebeer
by PNW1
Thu Jun 09, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 11130

Re: Crazy housing market

I was born and raised in King County (which Seattle is the county seat of) and have worked and lived in the city of Seattle for most of the past decade. I actually love the overcast and cold climate, but at this point the only thing keeping me here is the fact that my friends and family live here. I...
by PNW1
Thu May 05, 2016 4:29 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 16058

Re: Revealing Usernames

... (I first begin posting on USENET during the 1990s, and used my real name. A favorite prank in those days was to add embarrassing newsgroups to the "reply-to" field so that if you replied to some trollish remark about SNOBOL being a sucky computer language, your retort would also be po...
by PNW1
Wed Mar 30, 2016 12:21 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 12382

Re: Updates on the status of Linux

What do you use your computer to do? What applications do you run? If you need to run specific applications that are only built for Windows or OS X, then Linux won't be an easy solution for you. If you primarily play games on your computer, then Linux won't have the breadth of choice that Windows do...
by PNW1
Mon Mar 21, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Black formal shoes with sneaker like support
Replies: 56
Views: 6691

Re: Black formal shoes with sneaker like support

In addition to decent shoes, I've found that the pair of socks that I'm wearing has a huge impact on how my feet feel at the end of the day. I've found wool socks to be the best, at least for me. I often wear a pair of relatively thick black wool socks when I'm wearing dress shoes with a suit.
by PNW1
Fri Mar 04, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 8668

Re: Just lost 4.08% on Forever stamps.

Why would the U.S. Post Office reduce stamp price when they have been losing Billions regularly and "borrowing" money from the taxpayer ? That makes no sense. If you read the link in the original post, you will see that this was an agreement made with Congress two years ago and in fact th...
by PNW1
Thu Mar 03, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 8990

Re: Cast Iron Frying Pans

If you're buying new, for a frying pan I'd for sure go with something from Lodge. I use cast iron for basically everything I cook other than soups, stews, and things that are thrown into boiling water. A nice simple set is the Lodge LCC3 "combo cooker". It's two pieces of cast iron. One is...
by PNW1
Fri Feb 26, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Going to index, when to make the jump
Replies: 22
Views: 2102

Re: Going to index, when to make the jump

It is funny that the Fidelity Spartan 500 index (institutional) has an expense ratio of 0.04, Whereas the VTSMX Vanguard fund is expense ratio of 0.17. My account is held in a 403b that I have retained since retiring. If I rolled it into Fidelity itself I would go win FFSMX, Spartan Total Market In...
by PNW1
Wed Feb 03, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Alternative to Briggs & Riley Luggage
Replies: 33
Views: 7924

Re: Alternative to Briggs & Riley Luggage

Here's a Briggs & Riley 4-wheel carry-on for $200, down from what they claim is a $350 retail price. I bought a B&R garment bag from this retailer five or six years ago which I use whenever I fly, and I love it. I could have bought something cheaper, but I'm glad I decided not to. I don't ca...
by PNW1
Mon Dec 14, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Always max out retirement? (Even when your max is high)
Replies: 14
Views: 2779

Re: Always max out retirement? (Even when your max is high)

I did not see a mention of Roth IRAs. You can treat Roth IRAs as those semi liquid assets if the need arises. You can always withdraw contributions to Roth IRAs. We do have roughly $40K (out of those retirement funds) that are in a ROTH IRA. In the last few year we have not been able to contribute ...
by PNW1
Tue Dec 01, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 20254

Re: Boglehead cell phone strategy

I just changed employers and had to give them back their cell phone so now I need to get my own phone and service. Shopping around it seems that carriers are no longer giving discounts on new phones with 2yr contracts, instead they want to sell you the phone at full price and finance for you at 0%,...