Search found 345 matches

by corner559
Tue May 31, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 50
Views: 2001

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: 1068

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: 4058

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: 8202

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: 2212

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...
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: 2212

Re: How to buy a good used grand piano?

I played classical piano for 20 years and have had a Steinway, Baldwin, Kawai and Yamaha electric piano. I would absolutely not recommend the electric pianos. They do not have the same nuanced feel as a real piano. The only reason to go this route is if you're limited on space and money. Choosing th...
by corner559
Sun May 22, 2016 3:00 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 8202

Re: How do Bogleheads TRAVEL?

Bogleheads: > How do you book travel: all-inclusive packages or piecemeal? > How do you book flights: cheapest available on kayak or with specific airlines based on loyalty/credit card programs? > How do you get around: rent cars vs public transit vs uber/taxi? > Where do you sleep: fairest price o...
by corner559
Thu Apr 28, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4696

Re: Young Male Living with Parents

I have received much criticism from both peers and colleagues for going this route. "You need to move out and get your own place." "People your age should have CC debt." People your age should have student loan debt." "People your age should have car payments." Th...
by corner559
Thu Apr 21, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 8747

Re: How To Stay Motivated in Employment When You Might Have Enough?

I love the job I do and the people I work with. That's what keeps me motivated. I wouldn't have it any other way. If I were in a job in which I needed to "find" motivation to keep me going in my job, it would mean I'd need to find something new. If I hit the lottery tomorrow and won a craz...
by corner559
Sat Apr 16, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8927

Re: NO!

Amazon has a much larger selection. The inventory size is about 82.37% of the reason I shop there. Tried Jet. Lower prices on the 2 items that I found . Saving 10¢ here and there does interest me. I agree. I always look to Amazon first because they almost always have what I'm looking for no matter ...
by corner559
Thu Apr 14, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: $30k in cash. What should I do with it?
Replies: 4
Views: 813

Re: $30k in cash. What should I do with it?

I would pay off the loan. Like someone else said, it's a guaranteed 3.79% return on your money which definitely beats what you're making in the MM it's currently in, and it frees up monthly payments for a 401K or something else.
by corner559
Wed Apr 06, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Contributing to SEP IRA for 2015 - which fund?
Replies: 5
Views: 233

Re: Contributing to SEP IRA for 2015 - which fund?

There is no minimum for investor shares. My first year tax year a few years back I only contributed about $500 to my SEP across 4 funds and it was fine.
by corner559
Sun Mar 27, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons for =>80% stocks at =>40 y/o
Replies: 56
Views: 4493

Re: Reasons for =>80% stocks at =>40 y/o

If it makes you feel any better, I'm around your age and am at 90% stocks and 10% bonds.
by corner559
Sun Mar 27, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3809

Re: Your fav airline - as far as flying experience?

I prefer Southwest because of their transparent fare structure and ease of use. Otherwise I fly UAL primarily because that's who I have the most miles with. Internationally, Singapore is hands down the best. I know a lot of people rave about Emirates, but I've always found their cabin crew a bit on ...
by corner559
Thu Feb 18, 2016 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 9098

Re: Applied for 100 jobs, no callbacks. What's up?

When I was a hiring manager, I looked at these things in order of importance: 1) Cover letter. No cover letter = it goes into the circular file. I don't feel it's professional not to include one. 2) Objective = Should be close to the top of the resume and clearly be a close match for the job and the...
by corner559
Mon Feb 08, 2016 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 52
Views: 7252

Re: Flagship Investor with 700 credit score ?

When I sold my place and didn't have a mortgage on my credit report anymore, my rating took a 100 point dive that still hasn't recovered.
by corner559
Sat Feb 06, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 12257

Re: Anyone travel without hacking?

FF miles pay for upgrades and other website booking site award points sometimes pay for some hotels. Most of my travel is out of my pocket, and I don't regret a dime spent. :D
by corner559
Sun Jan 31, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Will or Trust necessary for a single person with no kids?
Replies: 21
Views: 1917

Re: Is a Will or Trust necessary for a single person with no kids?

I actually was wondering the same thing. Am curious as to what the rough cut off point would be when a will is no longer sufficient and a trust would be better suited to your needs.
by corner559
Sun Jan 31, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 45
Views: 9709

Re: I got let go yesterday

I was in my 30's when I made a huge career change. Is what I found is that there were a lot more transferable skills than I ever could have imagined, and I think one key (among many) is finding another field where your skills can transfer, even when that seems unlikely at first. If I had gone into s...
by corner559
Fri Jan 29, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Should I forward mail to Spain
Replies: 10
Views: 997

Re: Should I forward mail to Spain

I would say it depends on what it is you expect to receive in the mail. These days so much is done electronically that you might be able to wait a couple of months. I'm overseas, but all of my bills and tax forms are done electronically, so I don't need to see the paper versions. The only thing I do...
by corner559
Thu Jan 28, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: FEIE using Turbo Tax
Replies: 3
Views: 218

Re: FEIE using Turbo Tax

You may be getting hit by the stacking rule. Income excluded by the FEIE is not taxed itself, but is used to calculate the overall tax bracket. So it may be pushing unexcluded income into a higher bracket. So let's say my income from US-based businesses is $10,000 and my foreign income is $50,000, ...
by corner559
Thu Jan 28, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: FEIE using Turbo Tax
Replies: 3
Views: 218

FEIE using Turbo Tax

I'm using Turbo Tax and qualify for the FEIE and it says that all of my foreign income is excluded from taxes. However, I notice that when I entered my foreign income, my tax liability jumped several hundred dollars. Granted, it only accounts for about 2% of the total, but I thought that meant my ta...
by corner559
Sat Jan 16, 2016 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing while prices are quickly changing
Replies: 5
Views: 943

Re: Rebalancing while prices are quickly changing

livesoft wrote:Have you calculated how your allocation would change if prices were about 2% different than you expected? Your asset allocation doesn't need to be more precise than about 2% to 5% anyways. That is, this is not horseshoes nor hand grenades.

+1
by corner559
Sat Jan 16, 2016 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: How's it going?....any self-doubt?
Replies: 47
Views: 4108

Re: How's it going?....any self-doubt?

80/20 Stocks/Fixed and I'm down about 7% so far this year. When the crisis hit in 2008 I was almost 100% stocks and stayed the course and stuck with my IPS (as most people here do) so I don't understand why people think this time would be any different. That's what an IPS is for.
by corner559
Sat Jan 16, 2016 2:54 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 11785

Re: Who's buyin' today?

I see this as a good opportunity for me to move more funds from my R/O IRA to my Roth IRA.
by corner559
Fri Jan 15, 2016 11:06 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 181
Views: 23021

Re: I'm Calling an Emerging Markets Bottom

This is the time of year I usually do rebalancing. My EM allocation is 5% off target so I'll be pouring more money into that asset class. I figure if it is a bottom and that sector comes back, I'll be well positioned. If it doesn't, I'll keep putting money into it in line with my IPS.
by corner559
Fri Jan 15, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 2348

Re: Vanguard.com

I'm also having issues logging in. It just says "Your account information is temporarily unavailable."
by corner559
Mon Jan 11, 2016 2:52 am
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 4497

$1.3 Billion Jackpot - How would you invest it?

As a Boglehead, how would you invest a 1.3 billion dollar windfall after all the taxes had been taken out?
by corner559
Mon Dec 28, 2015 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH IRA Writeoff
Replies: 1
Views: 326

Backdoor ROTH IRA Writeoff

I know that I will owe taxes on the money that I convert from my rollover IRA over to my ROTH. Was wondering if anything can be written off against the taxable amount due to the conversion? Would that money considered earned income?
by corner559
Sun Dec 27, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 9307

Re: Writing checks - a Bogleheads thing to do?

... I think that I will stick to using my credit card that gives me the float and 2% back. But wanted to see if any Bogleheads write checks, and if there any benefits I am missing. Writing checks may slow unnecessary spending for the many reasons noted here, while credit cards may increase it. I ha...
by corner559
Sun Dec 27, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 9307

Re: Writing checks - a Bogleheads thing to do?

... I think that I will stick to using my credit card that gives me the float and 2% back. But wanted to see if any Bogleheads write checks, and if there any benefits I am missing. Writing checks may slow unnecessary spending for the many reasons noted here, while credit cards may increase it. I ha...
by corner559
Sun Dec 20, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 9553

Re: Should I just give my wife (folded) money?

Get a Roomba from Hammacher Schlemmer. Yes, you'll pay tthe full retail price, but the lifetime guarantee is priceless. Robot vacuum cleaners are amazing. Robot maintenance is not. When it starts acting up in 2 years, send it back to them for a full refund towards your next generation Roomba. I thi...
by corner559
Tue Dec 08, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much money should I leave my kids?
Replies: 59
Views: 6297

Re: How much money should I leave my kids?

It's a little hard to give advice without knowing the amount or at least a ballpark. "Significant amount" is wide open to interpretation. To me significant amount would be north of at least $5 million. For someone else, it could be much less or much more depending on who the person is.
by corner559
Thu Dec 03, 2015 1:55 am
Forum: Personal Consumer Issues
Topic: How do high earners get rid of their junk?
Replies: 59
Views: 9526

Re: How do high earners get rid of their junk?

Eveyrthing goes to either thrift stores that support a worthy cause or a local charity if it's something like computer equipment that I'm replacing. It's too much hassle to sell it on Ebay or Craigslist for the small gain I would get.
by corner559
Thu Nov 26, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 4589

Re: I received 'Money' magazine for free. Anyone read it?

MONEY and KIPLINGERS publish the same things, over and over: "Top Mutual Funds NOW!" ... "Five Best Places to Put Your Money." ... "Best Cities For Retirement." ... "Least Expensive States For Your Sunset Years." ... "Top Dividend Stocks" ... etc. H...
by corner559
Wed Sep 30, 2015 10:41 pm
Forum: Investing - Theory, News & General
Topic: Which single book would you recommend for an investing novice?
Replies: 35
Views: 3285

Re: Which single book would you recommend for an investing novice?

Best investment book for beginners I've ever read is the Random Walk Guide to Investing (not to be confused with the Random Walk Guide to Wall Street). It's the book that opened my eyes to the Boglehead world. It's a quick read and can be finished in just a day.
by corner559
Wed Sep 23, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with this $1500 IRA
Replies: 11
Views: 826

Re: What should I do with this $1500 IRA

How is the rest of your money allocated now? How does that square up with your IPS? What other extenuating circumstances do you have that are competing for these dollars?
by corner559
Wed Sep 23, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with this $1500 IRA
Replies: 11
Views: 826

Re: What should I do with this $1500 IRA

I guess that depends on how that $1500 fits in the bigger picture of your IPS.
by corner559
Mon Sep 14, 2015 12:45 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Penalty
Replies: 4
Views: 532

Re: IRA Rollover Penalty

Many thanks to you guys for clarifying!
by corner559
Mon Sep 14, 2015 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Am I being too stingy for a high-income household?
Replies: 223
Views: 19330

Re: Am I being too stingy for a high-income household?

Like the other post about the 30-something with x millions of dollars who wondered if he was doing okay, I think you already know the answer without having to ask.
by corner559
Thu Sep 10, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Hepa Air Purifier Recommendations?
Replies: 9
Views: 668

Re: Hepa Air Purifier Recommendations?

I use a Vornado that I love that I got off of Amazon. It's especially good at completely removing any smells (whether good or bad) from the room where I place it. I actually just replaced the filter and was amazed at how much filth it filtered out when I compared it to the new replacement filter. Wh...
by corner559
Thu Sep 10, 2015 8:59 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Penalty
Replies: 4
Views: 532

IRA Rollover Penalty

I came across this interesting article on the Forbes website about the IRS only allowing a rollover once per year (see link for details) and I was wondering if this might also be applicable for anyone wanting to do a back door Roth contribution. http://www.forbes.com/sites/janetnovack/2014/03/25/got...
by corner559
Tue Sep 08, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Rates for a good language instructor.
Replies: 6
Views: 595

Re: Rates for a good language instructor.

I don't know where you're located, but where I am the going rate is about $40-$50 per hour. $20-$25 seems way too low to me.
by corner559
Sun Sep 06, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Expat: Vanguard declines to give advice. Move to Schwab?
Replies: 16
Views: 2437

Re: Expat: Vanguard declines to give advice. Move to Schwab?

You should get an internet-based number with a US area code which is very easy to get through Skype.
by corner559
Tue Sep 01, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 7319

Re: If stocks dropped 30% next Monday, would you rebalance?

No, I wouldn't rebalance. I rebalance just 2 times per year, at the start of the new year and in July and only if I'm under/over my allocation by more more 5%. Who knows. It could drop 30% one day and then jump back up the next. You just never know.
by corner559
Thu Aug 20, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401K Choices - HELP!!
Replies: 18
Views: 1482

Re: Transamerica 401K Choices - HELP!!

I would definitely go with the VG Target Date funds. That said, there's a VERY large discrepancy between what VG's expense ratios are and what your'e getting charged in your 401K. Makes you wonder whose pockets all that extra is going to.
by corner559
Thu Jul 16, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1643

Re: Needing an External Drive

Sorry, but I would disagree about brand being unimportant. I would highly recommend against getting an off-brand to save money. I've found that similar with the memory cards I buy, the no-name brand products work fine but sometimes fail or have retrieval issues. I would stick with a well-known brand...
by corner559
Wed Jul 15, 2015 1:40 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 8161

Re: I tipped 15% and got a dirty look

In the States I always tip 20% unless the service was terrible. As for tipping, it's time that restaurants pay their wait staff a living wage and do away with tipping entirely. As for the argument about worse/better service, I've found that in cultures where tipping is not the norm the service is us...
by corner559
Tue Jul 07, 2015 6:35 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 7684

Re: Aren't we obsessing way too much about our portfolios?

kenschmidt wrote:I haven't changed my asset allocation in over 10 years at this point. Eventually the newness wears off and you end up just posting in the gardening or car threads. :D

LOL! So true!
by corner559
Thu Jul 02, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 6372

Re: Learning Spanish

There are also several smartphone apps that you can buy where you make your own flashcards. I've used these in the past and practiced when I had down time.

Go to advanced search