Search found 157 matches

by bogglizer
Sun Jun 17, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Mean Reversion in Long-Term Stock Returns?
Replies: 25
Views: 1925

Re: Mean Reversion in Long-Term Stock Returns?

Looking at the OP plots, looks like stocks are causing th GDP, not the other way around. Just saying....
by bogglizer
Sat Jun 16, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16053

Re: Should I take possession of a certified mail?

In some jurisdictions, the contractor would need to send such a letter before being able to place a contractor's lien on your property. This is why I never sign for these letters. Did I miss someone mentioning this previously in this thread? Do you regularly and repeatedly not pay contractors? Aldo...
by bogglizer
Fri Jun 15, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16053

Re: Should I take possession of a certified mail?

In some jurisdictions, the contractor would need to send such a letter before being able to place a contractor's lien on your property. This is why I never sign for these letters. Did I miss someone mentioning this previously in this thread?
by bogglizer
Sun Jun 03, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4633

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

I have worked in aerospace (UTC: did not enjoy it) and am now at JPL, which is one of the larger FFRDCs, at 6000 people. The FFRDCs pay industry salaries, as stated in their prime contracts with NASA. For a complete list, just look up FFRDC on wikipedia. JPL has paid internships that often lead to e...
by bogglizer
Sat Jun 02, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 2755

Re: June in Paris: What to (or not to) wear, see and do?

I like going to the Louvre, but not going inside the museum. The courtyard itself is worth the visit. If you go inside, there will be 1000 people between you and the Mona Lisa. Another attraction I like is the catacombs ("sewers of Paris"). That has a lot of steps also. Get there 1/2 or more before ...
by bogglizer
Sun May 20, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8093

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Even if you really need to be taking out $5K/mo now, that is likely to drop off as kids fly the coop and perhaps you downsize your house. So you may be able to afford that now, if you take into account changing needs in the future. Unfortunately, the calculation of how much you need given a non-cons...
by bogglizer
Sat May 12, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with too many lots?
Replies: 47
Views: 4833

Re: Anything wrong with too many lots?

Save it until you die, and then use the stepped-up basis. Simple.
by bogglizer
Sat May 12, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4761

Re: How to think about schools/homes (Greatschools/Niche)

We did just what you are considering. The price difference for us was more like an extra $400K to get into a GS=9 district. GS=10's in our area where substantially more. I don't know whether the schools are genuinely better; the GS scores often depend more on the preparedness of the incoming student...
by bogglizer
Mon May 07, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Sprinkler system burst, company won't honor guarantee, what to do?
Replies: 21
Views: 3240

Re: Sprinkler system burst, company won't honor guarantee, what to do?

Fix it yourself. Shovel and some cheap repair items from True-Value. Lots of videos on youtube on how to diagnose, fix and maintain. Next, buy yourself a nice compressor. Blow out your system yourself in the fall. It's real easy. Cycle through all the zones. 15 minutes each. Done. I disagree, since...
by bogglizer
Sat May 05, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: "How to Engineer your Layoff" book, has anyone read it?
Replies: 27
Views: 5952

Re: "How to Engineer your Layoff" book, has anyone read it?

A lot of companies give $1K or $2K per month of employment as a layoff package as a matter of routine. Sounds like a lot of people are negotiating something that they would have received anyway.
by bogglizer
Sat May 05, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: How much can I spend on a house?
Replies: 14
Views: 2067

Re: How much can I spend on a house?

If you buy a house that you can just afford, then you have no contingency. Don't do that.
by bogglizer
Sat May 05, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Odd CA tax return
Replies: 8
Views: 788

Re: Odd CA tax return

This happened to me as well. I just cashed it and moved on with my life. I use Turbotax, so it probably wasn't a trivial math error.
by bogglizer
Sat May 05, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Today's Vanguard Weirdness - Account Security
Replies: 1
Views: 571

Today's Vanguard Weirdness - Account Security

I got a confirmation notice today of a transaction yesterday regarding my son's 529 account. I made no such transaction. When I tried to log in to the Vanguard website, my password did not work. I did the password recovery dance, and once I could log in, I found that no such transaction took place. ...
by bogglizer
Mon Apr 30, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5221

Re: Home Theater Stereo/Speakers

Dottie57 wrote:
Sat Apr 28, 2018 10:14 am

I agree. Too much to contend with in home theatre and am happier with soundbar.

What I do miss is my old kg2 klipsch speakers.
I still have my kg2's. I don't think I've spun a record in 20 years, though.
by bogglizer
Mon Apr 30, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5923

Re: How do you quantify the risk differential between 85/15 and 70/30?

I have also noticed that some people here recommend the opposite. I have no idea what their logic is. I'm not sure which is the opposite of what, but the only sure recommendation I am reading here is to allocate your assets and take risk according to what you want to accomplish. Asset allocation is...
by bogglizer
Mon Apr 30, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5923

Re: How do you quantify the risk differential between 85/15 and 70/30?

If you have enough money, then all you care about is downside risk. If you think you may not have enough money, then the expected value is more important. How you perceive the risk is not a major consideration here. In other words, if you are well on your way to achieving your target, then more bon...
by bogglizer
Sun Apr 29, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5923

Re: How do you quantify the risk differential between 85/15 and 70/30?

If you have enough money, then all you care about is downside risk. If you think you may not have enough money, then the expected value is more important. How you perceive the risk is not a major consideration here. In other words, if you are well on your way to achieving your target, then more bon...
by bogglizer
Sun Apr 29, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5923

Re: How do you quantify the risk differential between 85/15 and 70/30?

If you have enough money, then all you care about is downside risk. If you think you may not have enough money, then the expected value is more important. How you perceive the risk is not a major consideration here. In other words, if you are well on your way to achieving your target, then more bond...
by bogglizer
Sun Apr 22, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 3216

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: 23
Views: 2467

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: 1244

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: 1244

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: 1244

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: 436

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: 993

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: 79
Views: 11571

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: 2198

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: 13640

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: 405

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: 405

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: 405

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: 288
Views: 21811

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: 9837

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: 9837

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: 41
Views: 8771

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: 1535

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: 25
Views: 2652

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: 14190

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: 14190

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: 10683

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: 14190

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: 4132

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: 6897

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: 6897

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: 6897

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: 1471

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: 2971

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: 6074

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: 745

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: 5996

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 ...