Search found 860 matches

by htdrag11
Tue Jun 27, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2137

Re: Losing job, seeking advice

I volunteer to help folks "in transition" in finding work via networking, both face to face and social, e.g. LinkedIn, FaceBook or Twitter. Don't be shy tell his friends and family about his predicament. There is NO SHAME!. He needs to print up his own business cards so people could rememb...
by htdrag11
Mon Jun 26, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: "Heads I Win, Tails I Win -- A Gem
Replies: 12
Views: 2706

Re: "Heads I Win, Tails I Win -- A Gem

"Most investors, probably including you, should be tickled pink to earn an average return."

Leaving my ego at the door was a major step toward achieving average.

Thank you Taylor. :happy
by htdrag11
Sun Jun 25, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1415

Re: Two potential job offers and buying time - please help!

Can you clarify in what way bridges were burned? Was it by turning down a previous offer from years earlier? I've never taken offense when a candidate shares that they are interviewing at another company. In tech, it's common and expected that candidates are interviewing for multiple companies at o...
by htdrag11
Sun Jun 25, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: A Bogleheads success story
Replies: 20
Views: 5106

Re: A Bogleheads success story

Good to hear.

The last 6 years have been good to most of us indexers. There will be bumps on the road. Stay on course will test your friend's mental toughness and discipline. Tuning out all the noises would be critical.

Thank you for sharing.
by htdrag11
Sun Jun 25, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1415

Re: Two potential job offers and buying time - please help!

It's valuable to keep it simple. Explain that you are actively interviewing with another company and that you will not have a response until it completes. You can also ask Company 2 whether they can move the interview up because you've received an offer with another company. Don't go into detail re...
by htdrag11
Sun Jun 25, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 23
Views: 3318

Robots Are Eating Money Managers’ Lunch

"BOTTOM LINE - Quantitative strategies and index funds are replacing a lot of human investment judgment, and many of today’s well-paid traders may not survive the shift."

https://www.bloomberg.com/news/articles ... gers-lunch
by htdrag11
Sat Jun 24, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation - Is this request common?
Replies: 9
Views: 1542

Re: Salary Negotiation - Is this request common?

Some states like NY and MA ban employers to ask about your current salary. Don't ever tell them that. Just say something like I believe that your company treats their employees fairly, so I expect a fair salary. Don't you agree? First one opens the mouth lose. Like others, "employed at will&quo...
by htdrag11
Sat Jun 24, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 656

Re: Evaluating Asphalt Driveway Sealing Bid

Several observations. 1. It depends on the area and neighborhood. I'm in central Jersey, kind of a high rent district. My 1,700 sq ft driveway was re-paved couple of years ago, so it was in great condition without cracks. 2. We've been using the same reputable outfit for over 10 years. Price was $28...
by htdrag11
Fri Jun 23, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2300

Re: Anyone have a habit of checking the market all day?

I get my morning dose of Bloomberg financial news in the weekdays for about 15 minutes. Watch NBR produced by CNBC on PBS in the evening for about 25 minutes. Update my portfolio every quarter. Rebalance annually.

It's getting boring. Ignore the noise.
by htdrag11
Fri Jun 23, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Good Article on Bubbles and Staying the Course
Replies: 22
Views: 2482

Re: Good Article on Bubbles and Staying the Course

Thanks. Good read.

It's another reason why I reduced my risk profile since retiring. Why take unnecessary chances when I have "won the game"? Rest easy.
by htdrag11
Fri Jun 23, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3179

Re: Christine Benz: "How to Make the Most of Your 401(k)"

I was fortunate to be discipline and believed in pay yourself 1st. Our daughter also picks up this habit and has 3 401ks/TSP with 3 different employers. She also has Roth 401k.

In my volunteering work, some folks do not have the means to do that, especially if they are in the service industries.
by htdrag11
Fri Jun 23, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 43
Views: 2962

Re: New cars w/ no CD player -- what can I do with my CDs?

I rip my CDs, upload to Google Play Music, then stream via Bluetooth to my car audio without any cable. I also have 10Gb worth of data monthly on my smartphone which is plugged to a USB charger. However, with this kind of setup, my Waze or Google Map will take over whenever there is directional chan...
by htdrag11
Fri Jun 23, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 68
Views: 4144

Re: Bogleheads: Please help me pick a new car

I know of a situation. Someone gave his daughter a Mercedes and she didn't like showing off like that and wanted a lesser car. I would consider the Subaru because the son is involved. I like the Subaru but I feel that the Lexus might be more reliable. If I can choose between a CPO Lexus RX (30,000 ...
by htdrag11
Fri Jun 23, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"
Replies: 24
Views: 3408

Re: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"

I agree. I had a long discussion with my company's treasurer about moving the pension funds to index funds. In the end, his counter argument came down to worrying that it would appear like nothing was being done. +1. When things are moving like a well oiled machines, how is the treasurer or advisor...
by htdrag11
Wed Jun 21, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 1949

Re: Used cars in high demand

I get it from Lexus and Toyota dealers monthly since I bought a Lexus but took it to Toyota for service. Previously I had a Mazda and still getting that too, but maybe quarterly. Obviously my Lexus must be in high demand (lost half of the value, if they would honor that price at all on a trade; the ...
by htdrag11
Wed Jun 21, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 2123

Re: fed employees & all the eggs in the TSP basket

OP,

You are a very lucky person to have TSP as your vehicle. I think that it's even cheaper than Vanguard.
GL.
by htdrag11
Sun Jun 18, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 101
Views: 9087

Re: Anyone else gotten totally bored with investing?

Yes, it's getting boring which is a good thing.

I still get my 15-minute fix every weekday morning to watch the headline news from Bloomberg (too cheap to pay for CNBC :mrgreen: ).

I do track my portfolio quarterly this year, reducing from monthly in 2016.

Life is good. :beer
by htdrag11
Sun Jun 18, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3053

Re: BMW X5 2017 - Seeking advice

This is a good video comparing the BMW X1, Audi Q3, MB GLA, Lexus NX-T and the Mazda CX-5.

https://www.youtube.com/watch?v=dLEZuUs9M8A

You could skip to the 21 minute mark to hear their views about "premium" brands vs. lowly Mazda.
by htdrag11
Sun Jun 18, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3053

Re: BMW X5 2017 - Seeking advice

We got on the waiting list for the 1st gen X5 3.0; it was either 2000 or 2001 model since the larger engine came out 1st. Being a 1st year car, we expected problems. There were all covered under warranty. The straw that broke the camel's back was when the 1st repair/maintenance occurred. Took it to ...
by htdrag11
Wed Jun 14, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Those pesky account closing fees
Replies: 14
Views: 1338

Re: Those pesky account closing fees

We paid $40 to close TD account. Guess it is considered low.
by htdrag11
Wed Jun 14, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 1985

Re: Deck replacement- Composite material recommendations

We have Trex for close to 20 years done by professionals, not the one from HomeDepot (a lower grade). It is also cooler to walk on, than pressure treated.
by htdrag11
Wed Jun 14, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 4974

Re: Larry Swedroe: Stocks, Bonds, & Risk

Timely article. I'm also highly leveraged. Last year my tax bracket had crept up, so I'm in the process of both rebalancing and reduced my tax inefficient funds to more efficient ones in my cash account. DW was right in punching her husband. We don't need any more since we have already won the game ...
by htdrag11
Mon Jun 12, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4685

Re: Favorite Feature of Vanguard Website?

I like that the statements not complicated and can be understood easily. My father's trust account is with Merrill Lynch(not my choice)and is so complicated no one could tell if it made money or how much. My BIL has his 401k with ML. For comparison, I found TD is better, then Vanguard, then ML whic...
by htdrag11
Mon Jun 12, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4397

Re: Dehumidifier woes

I used to run mine 7x24, so none of them last.

I plug it on a timer and give it some time off, so far it (4th Danby) has held up on the 3rd year.

YMMV. GL.
by htdrag11
Sun Jun 11, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roll 401k into TSP - Signature required?
Replies: 3
Views: 324

Re: Roll 401k into TSP - Signature required?

Nedsaid and Retiredjg,

The check was made out to The TSP FBO first/last name. I would leave it unsigned.

Accompanying the TSP form and the check is a form letter from the previous institution, so there is no need for its signature either.

Thanks.
by htdrag11
Sun Jun 11, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Roll 401k into TSP - Signature required?
Replies: 3
Views: 324

Roll 401k into TSP - Signature required?

Daughter received a direct 401k rollover check from former employer. The check was made to TSP FBO of her. On the front, she added her TSP account number and SS.

Does she need to sign the back of the check or leave it blank?

Thanks.
by htdrag11
Fri Jun 02, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: William Sharpe interview w/ free book & software
Replies: 1
Views: 353

Re: William Sharpe interview w/ free book & software

Wow! How enlightening! :mrgreen: "This leads to one of the most important conclusions in investments: After costs, the return on the average actively managed dollar must be less than the return on the average indexed (passively-managed) dollar." Furthermore, it's no stranger to us Boglehea...
by htdrag11
Thu Jun 01, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3469

Re: Job offer without an in person interview

I knew someone had 2 30-minute phone interviews and was offered a job in a Fortune 10 companies. She did have to negotiated her salaries and other benefits. In her industry, there is a very lean supply line so it's strictly a seller's market. She works from home so there is no physical office but th...
by htdrag11
Thu Jun 01, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Is anyone missing their signed Bogle bobblehead?
Replies: 8
Views: 841

Re: Is anyone missing their signed Bogle bobblehead?

The seller has zero feedback, a telltale sign. :twisted:
by htdrag11
Tue May 23, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3366

Re: Rice Cooker

Do you folks wash your rice prior to cooking it? Wash - I mean - cover with water stir until water turns white - drain - and repeat about 2 more times until water is clear? If you don't do this - you usually have a gel like goop mess to deal with. I always do, but I don't enjoy the process at all. ...
by htdrag11
Tue May 23, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: How to sell bonds?
Replies: 3
Views: 513

Re: How to sell bonds?

denismurf wrote:Unless you are desperate, hang onto those bonds until maturity rather sell them on the secondary market, where you not receive anything close to their listed fair market value.

Guess I would just moved them over. Thanks.
by htdrag11
Mon May 22, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell bonds?
Replies: 3
Views: 513

How to sell bonds?

I'll be in the process of moving last of my actively managed accounts from TD to Vanguard Brokerage. 20% of the portfolio are held in 8 various bonds, such as Wells Fargo SUBORDINATED MEDIUM TERM NOTE maturing in 2023. I have sold stocks before, but never bonds. How does one submit an order to liqui...
by htdrag11
Mon May 22, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3700

Re: Need new Router/Wifi Networking Ideas

CyberBob wrote:
blueman457 wrote:(although cyberbob I might take you up on your offer!)

I've got two left now. Somebody snapped up the third one.
Although, if you've already got one, adding two more as extenders should be more than enough, unless your house is hotel-size :D


You've PM.
by htdrag11
Mon May 22, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3366

Re: Rice Cooker

DW does not like to splurge, except for her Zoji and the Instant Pot (still way cheaper than the former).
by htdrag11
Fri May 19, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fixing 20 Years of Mistakes
Replies: 9
Views: 1390

Re: Fixing 20 Years of Mistakes

OP, If you really want to be lazy, then put it all in one fund, such as Vanguard Wellington Admiral, or Balanced Index, or a Target Date fund. For my family, I told then when I kick the bucket, they could just continue to consolidate all other funds into Wellington since they could afford the risk. ...
by htdrag11
Wed May 17, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you Bogleheads - migrating more money to Vanguard
Replies: 3
Views: 594

Re: Thank you Bogleheads - migrating more money to Vanguard

My pension was a lump sum payment that has gone through 3 CFAs/CFPs; the 1st one did a tremendous job but gone burnt out and retired early. The 2nd one told me that it did not cost me anything, until I got hit with a backend load from MFS. The 3rd one has done slightly below market average and charg...
by htdrag11
Wed May 17, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you Bogleheads - migrating more money to Vanguard
Replies: 3
Views: 594

Thank you Bogleheads - migrating more money to Vanguard

It has been a long saga of consolidating my own accounts since I stop actively working from the beginning of the century. With all your help, I've moved my various "401k" moneys from a CFA/CFP back in 2014, and it has blossomed nicely than previously managed. Along the way, I've also reduc...
by htdrag11
Tue May 16, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2099

Re: Where do you get your tea ?

I drink British tea occasionally but it's DW's favorite:

https://www.amazon.com/Tips-Bags-Free-t ... ds=pg+tips

I'm a coffee drinker primarily and Chinese tea comes 2nd, with many varieties.
by htdrag11
Tue May 16, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a friend in choosing CFPs
Replies: 4
Views: 518

Re: Helping a friend in choosing CFPs

Here's a video by Rick Van Ness. https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy Schwab is now offering a robo service with 24/7 access to an advisor. Might work for your friend as long as they are using low cost index funds. http://www.investmentnews.com/article/201612...
by htdrag11
Tue May 16, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Helping a friend in choosing CFPs
Replies: 4
Views: 518

Helping a friend in choosing CFPs

Friend of mine is uncomfortable in DIY, and need some "professional" handholding 3x-4x times per year in overseeing her investments. She provided me with couple of advisors. One charges 1.5% AUM while the other 1.0. The latter provides financial planning for about $2k. :oops: I checked out...
by htdrag11
Sun May 14, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 4012

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

We do not have CNBC, just Bloomberg. It's not worth 4 hours of my time; maybe 2 hours?

Next on my list is Enron: The Smartest Guys in the Room. It's under 2 hours.
by htdrag11
Sun May 14, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9632

Re: Was there a $$$ number after which things got easier?

For me, it's whatever doubling of my current budget.

For example, my current budget is $50k/annual. If taking out 3%/year of my portfolio yields $100k, then I'm home free, practically.

At this juncture, I'm doing fine with taking only 2% and had not taken out our SS money yet.

YMMV :beer
by htdrag11
Sat May 13, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6201

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

And so what does Jeff do? Why he goes long in a PASSIVELY managed iShares MSCI Emerging Markets ETF (EEM). Furthermore, he is PASSIVELY shorting an index. Anyone see the irony in this? I've been trying to wrap my head around that as well. Gundlach's company is called DoubleLine, not DoubleTalk. :D
by htdrag11
Fri May 12, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 830

Re: LP Equity LLC - legit?

I stand corrected. The LP came back with a decent 50% offer on the purchase price of the asset, much better than some of the limited partners thought. Unfortunately, the GP would not budge. When offered to the GP to match the price, the GP claimed that would be cheating his partners. He could double...
by htdrag11
Thu May 11, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 986

Re: Do we need a separate water filtration system?

Soft water is nice. At first I thought it felt slimy during a shower, now I don't like showering without it. +1. It's strange how we adapt. We've our own well. We put an old Amway filter underneath the kitchen sink and had been replacing with GE filter cartridges since the last century. Cost was ab...
by htdrag11
Wed May 10, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with credit freeze charges?
Replies: 23
Views: 2303

Re: What's the deal with credit freeze charges?

Anyway, the worst credit freeze scam has to do with the Social Security website. One of the agencies, Experian, I think, has a contract with SSA to manage the process for identifying individuals applying for SS online accounts. But if you are trying to create an online account on the SSA website, y...
by htdrag11
Tue May 09, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6201

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

Between him and Warren Buffet, I trust the latter in investment ideas with a much longer track record.
by htdrag11
Fri May 05, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 830

Re: LP Equity LLC - legit?

Just to close the chapter, needless to say that LP Equity LLC snail mail was a legitimate fishing expedition, but never got a call back or further reply from them. All they want was whether other partners were interested in the "deal". It did instigate the general partner to send out a let...
by htdrag11
Wed May 03, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Car Warranty Lies
Replies: 32
Views: 3782

Re: Car Warranty Lies

Late to this discussion. Car warranty could be bought from another party, not just the dealer. Dealers' versions are usually pegged with at least a 35% markup. I bought tire warranty with my last CPO purchase since I go out to the metropolitan area every two weeks. Tires worked out fine but had my r...
by htdrag11
Wed May 03, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Least expensive new or refurb portable Windows computer
Replies: 21
Views: 1238

Re: Least expensive new or refurb portable Windows computer

Traveller wrote:
One more datapoint: I just purchased a new laptop for my wife from BestBuy last weekend. It is a Lenovo with Windows 10 and sale price was $145.


Which Lenovo model was it? Thanks.

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