Search found 139 matches

by bogglizer
Sun Apr 22, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 2798

Re: Interesting vs higher paying job

Having gone from academia to industry and then to a job that is both (FFRDC), my suggestion is to go for the higher salary. Making a job interesting is up to you. Which environment is less toxic is something you probably can't find out ahead of time. Taking a lower salary is really just letting othe...
by bogglizer
Sun Apr 22, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 10
Views: 651

Re: Best CashBack creditCard with no foreign transaction fee.

We use Cap 1 Quicksilver, which is, I think, 1.5% and no fees. And you don't have to tell them where you are traveling. Really, though, you would do better to research it yourself on bankrate.com. Their search engine is pretty good.
by bogglizer
Sun Apr 15, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Yubikey for Dummies
Replies: 10
Views: 1126

Re: Yubikey for Dummies

So, you trust Google like you trust Facebook? I will stick to Yubikey, assuming I can ever get it to work.
by bogglizer
Sat Apr 14, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Yubikey for Dummies
Replies: 10
Views: 1126

Re: Yubikey for Dummies

I found at least five threads here on Yubikey & Vanguard. Mostly whining about how stupid Vanguard is to use SMS as a backup. I skimmed those until my brain fried, but I never found a howto guide. I did install the personalization tool, which doesn't recognize my Yubikey, but that's a separate probl...
by bogglizer
Sat Apr 14, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Yubikey for Dummies
Replies: 10
Views: 1126

Yubikey for Dummies

I have obtained two Yubikeys, and am now in search of a "Yubikeys on Vanguard for Dummies" guide. Preferably something step-by-step, including how to use one key as a backup. I think I may have seen something posted here in the past, but haven't been able to find it. The Yubikey website is not helpf...
by bogglizer
Sat Apr 14, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Post-Home Inspection Priority List
Replies: 4
Views: 382

Re: Post-Home Inspection Priority List

Get ROM bids, staple them together, and ask for a deduction from the sale price. Reduce by 20% if you want to incentivize. If you are certain you want to move forward, you can even have some fixed in escrow.
by bogglizer
Sun Apr 08, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the resolution of two commas
Replies: 4
Views: 947

Improving the resolution of two commas

We should all be upset that we Bogleheads can only achieve membership in the Two Comma Club once, barring unforeseen downturns. Thus, I propose adding some fidelity to the measurement system. Noticing that converting $1,000,000 to two commas implies that N(commas) = log base 1000 (Net Worth in $), w...
by bogglizer
Sun Apr 08, 2018 6:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 70
Views: 8749

Re: Too much Bogleheads.org?

Take a break and go spend a few months on Reddit.
by bogglizer
Sun Apr 08, 2018 10:23 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 1486

Re: Are my posts missing or being deleted?

On a hot topic, I've had the n'th-screen phenomenon happen four or five times in a row.
by bogglizer
Sat Apr 07, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12407

Re: Ivy school education. Is it worth it?

Ivy League and other prestige schools are all about the fellow students. First off, a higher class of students leads to higher expectations of performance overall. My experience is that students at Pomona College are on average just brighter than Cal Poly Pomona's. Secondly, those students will go o...
by bogglizer
Sat Apr 07, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard
Replies: 7
Views: 322

Re: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard

I picked: VINIX 33% * 80% = 27% VBTIX 33% VIEIX 33% * 20% = 7% VTSNX 33% for a starting set. Essentially identical to the 3-fund portfolio. I never realized that most TIAA offering had such high fees.
by bogglizer
Sat Apr 07, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard
Replies: 7
Views: 322

Re: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard

I am embarrassed to admit that I have never looked for this employer. Previous employers had really poor choices. If I sort by expense ratio, I get: VINIX Vanguard Institutional Index Fund Institutional 0.04% VBTIX Vanguard Total Bond Market Index Fund Institutional 0.04% VBITX Vanguard Short-Term B...
by bogglizer
Sat Apr 07, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard
Replies: 7
Views: 322

Choosing TIAA portfolio when most of portfolio is 3-fund Vanguard

I have $750K in the classic Vanguard 3-Fund index portfolio. My employer and I put $1.4K a month into TIAA, where I know have $25K. I am 55, and right now all the TIAA funds are Target 2025. Is there a more Boglish choice at TIAA that would go well with the Vanguard portfolio?
by bogglizer
Sat Mar 31, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19702

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

The only way to survive retirement is to return to work. Any other plan results in certain death.
by bogglizer
Fri Mar 30, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9020

Re: How Do You Value Your Home for Net Worth Purposes?

Purchase price would never work for me. Every recent home I have purchased has been distressed in some way, and the value of the house pops up immediately after purchase. My current house was purchased for $1.05M (HCOL area) and was $1.4M on Zillow a few months later. Besides, using a fixed price f...
by bogglizer
Thu Mar 29, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9020

Re: How Do You Value Your Home for Net Worth Purposes?

Purchase price would never work for me. Every recent home I have purchased has been distressed in some way, and the value of the house pops up immediately after purchase. My current house was purchased for $1.05M (HCOL area) and was $1.4M on Zillow a few months later. Besides, using a fixed price fo...
by bogglizer
Mon Mar 26, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 25
Views: 4958

Re: Two- Factor Authentication at Vanguard - Update

For a little slack time fun: https://howsecureismypassword.net/ Its a site (among others) that purport to test passwords. Try this one: 4dogs2cats9birds We should make a version of this that saves the attempted password with the IP address. The database will be worth a fortune. I purchased two of t...
by bogglizer
Sat Mar 24, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy - Cash in or not?
Replies: 19
Views: 1437

Re: Whole Life Policy - Cash in or not?

4% is not a bad return for the risk at the moment. Might not be so good when the Trump tax cut drives inflation up in a few years. I don't see any reason to get rid of it now unless she has some other use for the money.
by bogglizer
Sat Mar 24, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 14
Views: 1089

Re: Quicken Alternatives

Gnucash, for the computer savvy. It's free.
by bogglizer
Fri Mar 23, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13508

Re: Working till retirement is not a great plan

The trick is to make sure that your company sees any added value that you provide to be worth the extra cost. This is oddly more important than actually providing more value. People move up into management because management itself highly values this non-value-added activity. 1) It is not your comp...
by bogglizer
Thu Mar 22, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13508

Re: Working till retirement is not a great plan

the fact of the matter is that if you're 50, commanding a salary of say, $100k, are you actually 3x faster/better than the fresh grad out of school they can hire for $30k? is your 20 years of experience the same year of experience 20 times or did you grow and do more challenging things each year? a...
by bogglizer
Thu Mar 22, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10205

Re: Losing friends/family when wealthy

If you think that your friend and family are jealous, it can only be because you let them know you were wealthy. Why did you do that?
by bogglizer
Thu Mar 22, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13508

Re: Working till retirement is not a great plan

Surely everyone works till retirement- by definition? What if you die first? The rule I was told by my mortgage lender is that they allow borrowers to spend no more than1/3 of income on housing. If you follow this rule for choosing your house cost, you end up having zero margin on living expenses. ...
by bogglizer
Sun Mar 18, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 3846

Re: London Hotels

Two summers ago we spent a week in London. Stayed in a hotel across the street from Kings Cross. We got one room that slept four (two adults, two kids). Was rather affordable. I just used Google to find it. Convenient transportation to everywhere in London, as well as the train to Paris.
by bogglizer
Sat Mar 17, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6684

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I had a couple of unsolvable problems with TT this year, so I called the help number, got an agent very quickly, and she solved my problems right away by directly entering numbers on the forms. So, the complaint that TT won't let you do things seems to be bogus in general. If you couldn't get somet...
by bogglizer
Mon Mar 12, 2018 12:07 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6684

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I had a couple of unsolvable problems with TT this year, so I called the help number, got an agent very quickly, and she solved my problems right away by directly entering numbers on the forms. So, the complaint that TT won't let you do things seems to be bogus in general. If you couldn't get somet...
by bogglizer
Sun Mar 11, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6684

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I had a couple of unsolvable problems with TT this year, so I called the help number, got an agent very quickly, and she solved my problems right away by directly entering numbers on the forms. So, the complaint that TT won't let you do things seems to be bogus in general. If you couldn't get someth...
by bogglizer
Sun Feb 25, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand HCOL and valuations
Replies: 22
Views: 1382

Re: Help me understand HCOL and valuations

Where I live in California, house prices are driven by the school district boundaries. Good schools drive the house cost up, since people with children want to move in. The higher property taxes directly improve the schools. This is positive feedback for good school districts. For bad school distric...
by bogglizer
Sun Feb 25, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 2696

Re: Knob and Tube rewire cost

Suggest leaving the K&T for the lighting and only redo the wall sockets. Not likely to over-voltage the lighting, given modern fluorescents.
by bogglizer
Sun Feb 25, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 5720

Re: # X Gross = Home price?

I am in LA metro and purchased a 6.5x. Seems consistent with the plot above.
by bogglizer
Wed Feb 21, 2018 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Priority of Investments in California?
Replies: 5
Views: 687

Re: Priority of Investments in California?

I don't know the right thing to do, but I am in exactly your position. I've been maxing out my HSA.
by bogglizer
Tue Feb 20, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5708

Re: Multiple Offer situation/should we pull our offer?

I do have one concern, we offered a fast 45 day close time period based on today’s date since the sellers are relocating for work. If we let this sit until Friday I would need to readjust the offer as there is a limit to how close in we can be and still get everything done. I've made an offer with ...
by bogglizer
Tue Feb 20, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 4916

Re: Safe to file taxes now?

I did my taxes two weekends ago, but waited a week to see if any more forms wandered in. Filed last weekend. The Obamacare form showed up today, which I didn't need, but I guess some stuff is still showing up.
by bogglizer
Mon Feb 19, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2479

Re: Is window replacement this expensive?

As a price comparison, I am now having 8 windows replaced for $2,850. Some guy named Oscar is making them custom.
by bogglizer
Mon Feb 19, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 71
Views: 8300

Re: $12,000 Refrigerator? [Looking in $7k price range]

I have found that a $100 fridge from Craigslist works fine. Plus $20 for the Uhaul pickup. House is valued at $1.4M. We can't all be rational all the time.
by bogglizer
Sat Feb 17, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 3462

Re: Is there a way to send text messages on my computer?

Every cell company has an email interface for sending test messages. See http://www.emailtextmessages.com/ for how. Once you send someone a text, I think they can reply.
by bogglizer
Sun Feb 04, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3161

Re: Cheapest funeral options

Green burials can be very inexpensive, if cremation is not your thing. One example is Eloise Woods in Austin, TX.
by bogglizer
Mon Jan 22, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Beats Complex"
Replies: 14
Views: 2562

Re: "Why Simple Beats Complex"

I recently switched from something very like the above to the standard BH three-fund portfolio. Just to simplify.
by bogglizer
Fri Jan 19, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 1249

Re: Choosing 403(b) TIAA Investments

I went for the LifeCycle fund to start off with. My logic was that during the early accumulation phase (first few years), the amount of money is too small to make much difference. Once I accumulate enough that the difference in fees are more than a few dollars a year, then I will re-think my allocat...
by bogglizer
Fri Jan 19, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: What will happen if everyone indexed?
Replies: 23
Views: 2404

Re: What will happen if everyone indexed?

... Ha! Except for market structure. I wrote about it in the middle of this post . PJW The market timing argument may not work as well as you think it does, since indexers are not required to actually buy and trade all stocks. They only are required to emulate their chosen index as close as possibl...
by bogglizer
Thu Jan 18, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: What will happen if everyone indexed?
Replies: 23
Views: 2404

Re: What will happen if everyone indexed?

Use some math. If no one indexes, then each dollar in the market as $1 of choice available in how it is to be invested. If 50% of the market is indexed, then the remaining 50% of the market has $1 shares that have $2's of choice available. If I, as a non-indexed investor, make a decision, it has twi...
by bogglizer
Sun Jan 14, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1254

Re: where does one buy "health insurance" in the USA?

When ACA started, my whole family just went commando. Nothing bad happened. Now that there are no fines, that's a doubly-advantaged approach.
by bogglizer
Sun Dec 31, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 8863

Re: Putting in a Word About Tea - brands, types, etc.

Kirkland Green Tea - Costco, have been happy with it, steep 30 seconds, shake matcha in it, drink up. :beer Grt2bOutdoors, http://www.thekitchn.com/how-to-brew-green-tea-cooking-lessons-from-the-kitchn-203091 Are you sure that you are brewing the green tea correctly? Typically, green and white tea ...
by bogglizer
Sat Dec 23, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 4106

Re: Has anyone here purchased a home for cash (no mortgages)?

Where we live (near LA), it is almost impossible to purchase a home using a mortgage. Cash is king. Regardless, you should consider buying the house with cash, and if you want to invest the equity, get a mortgage after. Why link two events that don't require it? "almost impossible" is hyperbole: ab...
by bogglizer
Fri Dec 22, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 4106

Re: Has anyone here purchased a home for cash (no mortgages)?

Where we live (near LA), it is almost impossible to purchase a home using a mortgage. Cash is king.

Regardless, you should consider buying the house with cash, and if you want to invest the equity, get a mortgage after. Why link two events that don't require it?
by bogglizer
Fri Dec 08, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 4228

Re: Please suggest a dry hands product

I use the hand creme from l'occitane. Comes is a big metal tube for just short of $30.
by bogglizer
Wed Nov 22, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of Grandparents Owning 529 Accounts
Replies: 5
Views: 1027

Re: Disadvantages of Grandparents Owning 529 Accounts

Why would you want to 'fix' something to your advantage?
by bogglizer
Sat Nov 18, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 6518

Re: Any of you trade just a little as a hobby?

I used to play with options, because the lottery was too risky.
by bogglizer
Sun Nov 05, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: How do I select a good employment law attorney?
Replies: 46
Views: 2779

Re: How do I select a good labor-law attorney?

First contact the EEOC. They will tell you if you have a claim under the laws that they enforce. Then you can see an employment (note, not labor) lawyer to see if you might have complaints under other laws/regulations. What is the difference between a labor lawyer and an employment lawyer? BTW, I k...
by bogglizer
Sat Nov 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7284

Re: GoDaddy - Any better options for website hosting?

I am at HawkHost, and am quite happy with it. But I am willing to give an extremely negative review to Bluehost, which was a nightmare.