Search found 390 matches

by corner559
Tue Dec 27, 2016 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Individual 401k - Some things I learned from VG
Replies: 8
Views: 870

Re: Individual 401k - Some things I learned from VG

It's true that admiral shares are not available in Vanguard's individual 401k program, but are we talking about 8 basis points being the main factor for choosing an investment platform? That's the difference between Wellington investor and admiral shares, for example. Lower cost is better other thi...
by corner559
Sun Dec 25, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k - Some things I learned from VG
Replies: 8
Views: 870

Individual 401k - Some things I learned from VG

This post is an FYI, not really a question. I spoke with the small business unit at Vanguard to help me with some individual 401k questions and these were some things I learned that were not stated anywhere in their literature (or maybe I overlooked something). I thought this info might be helpful f...
by corner559
Wed Dec 21, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: Digital Photo backup
Replies: 10
Views: 1005

Re: Digital Photo backup

I use Backblaze to back up my entire drive, including all my photos. I get unlimited storage.
by corner559
Wed Dec 21, 2016 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 1605

Re: 16 yo, first book on investing

jb1 wrote:Thank God no one said rich dad poor dad...

I've not read this book but do hear about it from time to time. What's so bad about it?
by corner559
Wed Dec 21, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 1605

Re: 16 yo, first book on investing

I think the best book is Random Walk Guide To Investing. It's easy and straight forward, and you could probably finish it in a day. It's what got me started on the whole Boglehead philosophy. I bought this for both my nephews when they graduated from high school and both really enjoyed it.
by corner559
Wed Dec 21, 2016 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2640

Re: Looking to Drop Wells Fargo for Online Banking

So you need to use your credit cards and put that debit card away except for special emergencies. Credit cards are insured. Debit cards are not. Let's not spread disinformation here. According to the law, the Electronic Funds Transfer Act (EFTA), Electronic Fund Transfers (Regulation E) Section 100...
by corner559
Wed Dec 21, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 6169

Re: How do you track your finances?

I used MS Money until they stopped making it and now just track all my expenses, asset allocation, etc. in Excel in sheets I've customized for myself.
by corner559
Wed Dec 21, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 72
Views: 4971

Re: Coach bag for wife - how to buy

Do NOT go to the outlet. You get outlet quality stuff there. Read the article in Consumer Reports and other reputable places. It's NOT the same. Go to the Coach store at the mall, get the latest and greatest, pay full retail, and move on with life. Happy wife.... We had a problem with one Coach bag...
by corner559
Wed Dec 21, 2016 1:51 am
Forum: Personal Consumer Issues
Topic: Is it rude to dispose of unwanted gifts?
Replies: 60
Views: 5111

Re: Is it rude to dispose of unwanted gifts?

Accept the gifts and re-gift them or donate them if you don't want them. To tell them to stop bringing you gifts beyond "Oh, you shoudn't have" is just plain rude.
by corner559
Sun Dec 18, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear on Solo 401k for very small income
Replies: 4
Views: 298

Re: Unclear on Solo 401k for very small income

I'm in the same boat. I've also go a very small side business that brings in less than 18,000. My understanding is that you can contribute the entire $1,000 which is one of the reasons I switched to this from a SEP just recently. Though there are much more knowledgeable people on here that could giv...
by corner559
Sun Dec 18, 2016 6:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 138
Views: 10344

Re: How Did You Become A Boglehead? What Led You Here?

Malkiel's "Random Walk Guide to Investing" brought me here. My favorite book on investing to date. And I've read a lot of investing books.
by corner559
Sun Dec 18, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 24998

Re: Chase Sapphire Reserve: Too good to be (completely) true

Can we stop making new posts about this card? There is a megathread on CC rewards and all this stuff should stay in there IMO. I totally disagree. Things get buried in those megathreads, and these offshoot threads are a way for people to discuss details that are important to them without getting lo...
by corner559
Fri Dec 16, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan Contributions (Solo Roth 401k, SEP, Roth)
Replies: 7
Views: 803

Re: Retirement Plan Contributions (Solo Roth 401k, SEP, Roth)

[*]Yes, you can contribute more to a Solo 401k than you can to a SEP at this income level. The determination on whether to use a post-tax Roth account vs. a pre-tax traditional account should be based on your current marginal tax rate, your future marginal tax rate, and personal circumstances Do no...
by corner559
Thu Dec 15, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their retirement account AA with the market increase?
Replies: 26
Views: 2150

Re: Has anyone adjusted their retirement account AA with the market increase?

See no reason to. My AA will remain the same regardless of what the market does.
by corner559
Thu Dec 15, 2016 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan Contributions (Solo Roth 401k, SEP, Roth)
Replies: 7
Views: 803

Re: Retirement Plan Contributions (Solo Roth 401k, SEP, Roth)

Not generally. You can not have a 5305-SEP and a Solo 401k plan at the same time. Almost all SEP IRAs from mainstream providers are 5305-SEPs. Could you answer some questions? ⋅ Have you made any SEP IRA contributions for this tax year? ⋅ What was the effective date of your Solo...
by corner559
Wed Dec 14, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan Contributions (Solo Roth 401k, SEP, Roth)
Replies: 7
Views: 803

Retirement Plan Contributions (Solo Roth 401k, SEP, Roth)

I've had a SEP IRA for 5 years for my small business and just opened a Solo Roth 401k. In addition, I also have a personal Roth IRA. Am I now permitted to contribute the max allowable to all 3 accounts? Or do I have to stop contributing to my SEP?
by corner559
Thu Dec 08, 2016 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 75
Views: 4736

Re: Telephoning Vanguard

I called last week and the rep transferred me to the wrong department, and then I got disconnected. Wait time was about 15 minutes. I called back and then was told the wait would be 45 minutes. I just hung up in frustration. Never got my issue resolved. A 30+ minute wait time is TOTALLY unacceptable.
by corner559
Thu Dec 08, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8819

Re: McDonald's Stock

nisiprius wrote:Arch Deluxe, we hardly knew ya.


I don't know why these were so unpopular. I really liked this burger.
by corner559
Thu Dec 08, 2016 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k tax filing
Replies: 5
Views: 457

Re: Solo 401k tax filing

Many thanks for the quick and helpful answers!
by corner559
Thu Dec 08, 2016 12:29 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8819

Re: McDonald's Stock

I've owned this stock for years and like the dividends. Whatever the ups and downs, I'm in for the long haul and will hold it forever. The free food coupons they sometimes mail out to shareholders isn't bad either.
by corner559
Sun Dec 04, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Help me replace my beloved shoes...
Replies: 8
Views: 1132

Re: Help me replace my beloved shoes...

I know this doesn't help you with your current pair, but whenever I find shoes or jeans that I absolutely love I always buy multiples. For shoes I'll buy 2-3 pairs and for jeans I'll buy up to 7 or 8 pairs in varying colors so that way I know I'll have something I know that fits me well for a very, ...
by corner559
Sun Dec 04, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k tax filing
Replies: 5
Views: 457

Solo 401k tax filing

I would like to open up a solo 401k for my sole proprietorship. Currently, I just file the taxes for my business under my SSN. VG requires I get an EIN which I plan on doing. However, come tax time, will I now have to file taxes separately under the EIN or can I continue to file using my SSN? I pres...
by corner559
Fri Dec 02, 2016 1:28 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6192

Re: What percentage of international do you hold?

I have read quite a few points about holding a total international stock fund except US, but the range varies quite a lot. If I could find a common percentage, I think it may be 15% What percentage do you hold? I hold 100% international. I'm not sure why I should hold 85% of my assets in the Vietna...
by corner559
Tue Nov 22, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13375

Re: How many of you have cut cord?

I cut the cord 4 years ago. Forcing me to have a gazillion channels is ludicrous. There are only about 9-10 channels I would ever watch regularly. These days, the internet is all you need.
by corner559
Tue Oct 25, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Will the market go up or down after the election?
Replies: 24
Views: 2533

Re: Will the market go up or down after the election?

Regardless of who wins, any knee-jerk reaction will be shorter term and shouldn't change your long term financial plans.
by corner559
Thu Oct 13, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 3942

Re: Do Bogleheads use Robo Advisors?

So long as you have your own ISP that you stick to, I don't see what the point would be. It's not difficult to check your allocation once or twice a year and then adjust accordingly on your own.
by corner559
Thu Oct 06, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 36024

Re: The Bogleheads' "100 Things Worth Every Penny" List

- Travel
- Good pair of shoes (Ecco's are the best IMHO)
- A good and honest housekeeper
- Education
- Gourmet meal at a top restaurant
by corner559
Wed Oct 05, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 44
Views: 5749

Re: Almost perfect credit score (FICO from Amex)

After I sold my condo and no longer had a mortgage (still don't) my FICO score took a big hit and has never recovered. I used to be over 800 and now am in the mid 700's.
by corner559
Thu Sep 08, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Career Change Did I Make The Right Move?
Replies: 14
Views: 2117

Re: Career Change Did I Make The Right Move?

Ultimately your gut will tell you if you made the right choice. You're still young and can always switch again if you find that plumbing isn't for you. When I was in my late 30's I quite a well-paying job in finance to go into teaching. I took a massive pay cut, but my work-life balance is much bett...
by corner559
Wed Aug 31, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 4690

Re: WSJ $99 for 6 months -- worth it?

The only news app I pay for is the NYT because it's something I enjoy reading. It's definitely a "want" and not a "need" though. I wouldn't mind the WSJ as well, but I can't justify the expense for myself.
by corner559
Sun Aug 28, 2016 7:08 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 133
Views: 9245

Re: Talk me out of 4500 purchase [Camera]

I know that this thread is old, but seems like people are still weighing in. The only thing I see wrong here is that the OP is buying a Canon instead of a Nikon. I think even I'm finally over the FD fiasco and that's what you're undoubtedly referring to. it was hard to take at the time because you'...
by corner559
Sun Aug 28, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 133
Views: 9245

Re: Talk me out of 4500 purchase [Camera]

I know that this thread is old, but seems like people are still weighing in. The only thing I see wrong here is that the OP is buying a Canon instead of a Nikon.
by corner559
Mon Aug 22, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 3882

Re: Favorite Asian Vacation?

I've traveled all over both East Asia and SE Asia. My favorite places are Indonesia and China. Would HIGHLY recommend Bali and Java (Yogyakarta area to be specific).
by corner559
Mon Aug 22, 2016 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Are debit cards risky (from fraud)?
Replies: 19
Views: 1348

Re: Are debit cards risky (from fraud)?

I don't understand why anyone would undertake the risk of using a debit card for anything other than taking cash out of an ATM, especially if it draws on funds from a primary checking account. Consider the following scenario. A thief gets hold of it and you don't realize it's gone for a few days (ye...
by corner559
Tue Aug 16, 2016 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 11943

Re: Anyone else getting nervous and converting to cash as a short-term move?

Whatever your investment plan is, stick with it, and stop trying to time the market. It's a losing game.
by corner559
Thu Jul 14, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Clothing upgrade for professional environment
Replies: 78
Views: 4733

Re: Clothing upgrade for professional environment

The most important thing is fit. Clothes that fit your body well will make a bigger impact than material quality, stitching, brand or logo. Unfortunately, that you means you have to go shopping which you mentioned you don't enjoy. Do not buy anything that looks baggy on you. Baggy is out. Your leve...
by corner559
Wed Jul 13, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13375

Re: How many of you have cut cord?

I made a conscious decision not only to cut the cord but not to have TV and I don't miss it at all. Every once in a while if there's a show or movie people rave about, I can get it on Netflix which I subscribe to or catch something on the internet. Who needs hundreds of channels that will never be w...
by corner559
Wed Jul 06, 2016 5:46 am
Forum: Personal Consumer Issues
Topic: Tag Heuer wrist watch
Replies: 24
Views: 2363

Re: Tag Heuer wrist watch

I'm on my second one. Both have been great. First one I've had for about 15 years and the second one I got about 2 years ago. No problems with either of them.
by corner559
Sun Jul 03, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Specifying type of room at cheap national chains?
Replies: 29
Views: 2341

Re: Specifying type of room at cheap national chains?

I also try to get rooms that are away from stairwells or elevators which can sometimes be noisy.
by corner559
Sun Jul 03, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: My Excel is 9 yrs old(2007). Update??
Replies: 28
Views: 2258

Re: My Excel is 9 yrs old(2007). Update??

If you don't ever plan on sharing your Excel files with others or have a need to open an Excel file from someone else, there's probably need an urgent need to update. If you share files with others, then you absolutely should update. At work, I was running a computer MS Office that as a couple of ge...
by corner559
Wed Jun 29, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ready-to-eat Costco meals?
Replies: 28
Views: 7395

Re: Recommendations for ready-to-eat Costco meals?

You can never ever go wrong with the rotisserie chicken as others have mentioned. I also like the lobster penne pasta (though I've heard it's regional and not in every Costco).
by corner559
Tue Jun 14, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: Good Returns on the Vanguard Inflation Protected fund?
Replies: 18
Views: 1878

Re: Good Returns on the Vanguard Inflation Protected fund?

6 months is but a blip. Over time it's been the worse performer in my portfolio.
by corner559
Thu Jun 09, 2016 2:21 am
Forum: Investing - Help with Personal Investments
Topic: Help with Finding Advisor
Replies: 42
Views: 7273

Re: Fired by our Financial Advisor

celia wrote:If I seriously wanted to invest with a FA and she didn't ask me for this info, I would FIRE her!

+1
by corner559
Wed Jun 08, 2016 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Finding Advisor
Replies: 42
Views: 7273

Re: Fired by our Financial Advisor

Having worked for a broker/dealer I'm not at all surprised. As others have mentioned, they need to do their own due diligence on their end. Without an SSN that's hard for them to do. It's all about knowing your customer. If I'd been the compliance person reviewing your account I would've been inclin...
by corner559
Tue May 31, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 71
Views: 4919

Re: Things to Do and See on Kauai, Hawaii

I would second the chopper ride. Absolutely worth the hefty cost.
by corner559
Mon May 30, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: What is the difference between disciplined rebalancing and making a market timing bet?
Replies: 25
Views: 1424

Re: What is the difference between disciplined rebalancing and making a market timing bet?

Both involve a strategy designed to sell a specific asset class based on its rise or fall relative to other investments. Rebalancing just has an odd psychological aspect to it...like a deal you made with yourself to stick to you principles, or the like. No? The difference to me is this.... Timing i...
by corner559
Thu May 26, 2016 11:02 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 5999

Re: What was your first investment?

Tiffany stock from my parents when I was in high school.
by corner559
Tue May 24, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9446

Re: How do Bogleheads TRAVEL?

favorite places: jordan (petra, epheseus) Jordan, eh? It is one of the few countries that I have hardly known anybody to visit. I almost made the trek to Petra when I was in Jerusalem a few years back but it didn't work time-wise. It is supposed to be quite amazing. I have traveled elsewhere in the...
by corner559
Mon May 23, 2016 2:15 am
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 35
Views: 3107

Re: How to buy a good used grand piano?

Oh and I forgot. If you put the piano in the living room where it gets a lot of sun that will dry out the sound board and mechanisms and kill the sound over time. Good pianos need shade and cool air and some moisture in the air. My SIL has her concert grand in a bedroom with curtains over the windo...

Go to advanced search