Search found 2608 matches

by rob
Sun Jan 22, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 13
Views: 1583

Re: Upgrade button on Vanguard IRA

sport wrote:The "upgrade" change is irreversible if you do it. I will not change unless I have no choice.

Me too... I'm never clicking on it so they will eventually do it without my permission.
by rob
Sun Jan 22, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Receipt capture and sorting iOS app
Replies: 4
Views: 258

Re: Receipt capture and sorting iOS app

I've also used expensify... Nice and easy from an expense point of view... Click a picture or upload. I tend to use the app to capture receipts and then the web-site to generate the expense sheets by trip (you can use the app but I find it easier on a real laptop for the last part).
by rob
Fri Jan 20, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 42
Views: 2105

Re: When/If a degree is useful for software developers?

5)Sadly, I think it's getting harder and harder to get hired w/o the degree. Part of that is probably the auto-screening of resumes. I think this is the main thing along with the devaluation of a "degree" over the last decade..... My barista has one now. The right experience will get you ...
by rob
Thu Jan 19, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1359

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Yeah well... some reversing lessons would help... but they have the backup camera that fit onto the license plate and xmit to the phone - might be worth some investigation. Another option might be to lay some ripple strips (cheap little square ones that you would feel from the wheel) on the house si...
by rob
Sun Jan 15, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5029

Re: Flafship Reps

...In the past there were real benefits... For example, talking to a CFP on topics but that has already been cut... I've found this board more knowledgeable and astute than any Vanguard CFP. What have you gotten from their CFPs that you couldn't get here? I haven't used the CFP service. However,......
by rob
Sun Jan 15, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 6677

Re: Vanguard on finding a dead person's password

Strange for Vanguard to say it..... would that not be technically against they own terms? I also not sure how legally sound doing txn's for a dead person would be if push came to shove.

but yeah... I have the same list that others do with id/passwords etc. :D
by rob
Sun Jan 15, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5029

Re: Flafship Reps

What are they taking away? Are you losing 0.10% in Expense Ratio or something? Or free turbo tax? Or is it totally intangible? In the past there were real benefits... For example, talking to a CFP on topics but that has already been cut in an effort to juice more dollars out of people with the AUM ...
by rob
Sat Jan 14, 2017 11:30 pm
Forum: Investing - Theory, News & General
Topic: Mathematics of international asset allocation
Replies: 43
Views: 3780

Re: Mathematics of international asset allocatiion

What's wrong with the market weight..... 50/50 ish
by rob
Sat Jan 14, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5029

Re: Flafship Reps

.....you’ll have direct access to a team of Flagship representatives rather than working exclusively with your assigned representative lol - I love the implication that it's better for you while taking away something..... I would love some honesty for a change. Does seem like another step in the be...
by rob
Sat Jan 14, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5029

Re: Flafship Reps

Reference?
by rob
Thu Jan 12, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: What else can I do with my job experience
Replies: 14
Views: 1521

Re: What else can I do with my job experience

Sounds like HR type role to me..... You not figuring out the calculations right - just running them and helping the payout phase... either directly or indirectly (not sure if your talking to client directly or the company HR reps). I think there are some solid jobs in HR.....
by rob
Tue Jan 10, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 68
Views: 4689

Re: Thinking of getting tires from Costco

I just did it for the first time.... Imagine my surprise to getting notified of 4.. count em... 4 UPS shipping notifications..... They appear to have ZIP stock so will ship the things to the store. For me that adds 7 days to when I can get them fitted.
by rob
Tue Jan 10, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 6356

Re: How to politely fire my financial advisor

To quote a recent politician - "You're Fired". :D Seriously... never talk to them - just initiate the move from the target company.
by rob
Sun Jan 08, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 82
Views: 4043

Re: Getting rid of mice

I've been fighting this for a bit each fall/winter.... I modify regular traps...... Drill a hole in it somewhere that is not under the killer bar, tie a 3 foot piece of string, smear it with peanut butter, lay 2-3 at a time case to a wall (they don't tend to got into open spaces). One time use and t...
by rob
Sat Jan 07, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10380

Re: Is driving for uber worth it for side money?

The newer/nicer the car is, the less money the driver is making. The margins are razor thin already driving the 2010 CRV. If they picked you up in a 2016 Grand Cherokee they'd be losing money. If you want a higher end explerice I'd recommend finding a different service. Like I said.... I tried it t...
by rob
Sat Jan 07, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10380

Re: Is driving for uber worth it for side money?

Just an observation from a first time rider - 2 rides in the last few days. I was very disappointed..... I thought they were supposed to be newish clean cars.... My first ride I think the guy bought a 2nd hand cab after the first 500K - maybe early 90's crown vic..... 2nd was a 2010-ish CRV (I used ...
by rob
Sun Jan 01, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Almost made it through another year without breaking a rule- but then, we learned to Scuba
Replies: 31
Views: 2607

Re: Almost made it through another year without breaking a rule- but then, we learned to Scuba

IFRider wrote:PADI = Pay Another Dollar In!

lol - I thought it was Paid Another Dive Instructor - Great hobby in good locations..... but yeah not on the cheap end. BUT; It's well worth spending well on stuff that can end your life if it fails :D
by rob
Sat Dec 31, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3446

Re: Audiophiles help me with setup

I've heard record players have the best sound quality but are a hassle. Streaming services are higher quality now. I know vinyl is what hipsters and old fogies will say is "best" but as someone who has spent more than I want to admit on audio equipment.... records were mostly terrible :D ...
by rob
Thu Dec 29, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4358

Re: Paying myself a salary for investment and tax management?

lol - Well it's a novel idea at least.... I doubt you need to be a tax expert to know how this would fly :shock: If it did most here would have a full solo 401k in addition to their regular 401k from their own side business of "financial planning" themselves. If you going to try this take ...
by rob
Thu Dec 29, 2016 12:35 am
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7281

Re: How many of you invest 100% at Vanguard?

Mainly Vanguard but also have Fido, eTrade, Schwab and a private 401K. Have been trying to simplify but limited due to employer options and restricted stock.
by rob
Wed Dec 28, 2016 8:43 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4568

Re: Does Vanguard always have our best interests in mind?

The name no longer has "Tax Managed" in the funds but is there any underlying difference? If you read the descriptions of tax-managed funds, there isn't much change ... unless you add an extra requirement to never sell a company even if it drops out of the index you are following. And com...
by rob
Wed Dec 28, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4568

Re: Not Bad

Makes sense to be frustrated. Question though, assuming neither fund had enough resources to "stand on its own" and one or both needed to be shut down, what would you have proposed? BOTH funds had more than enough assets at the time... in fat the orig Tax Managed fund included the ETF sha...
by rob
Wed Dec 28, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4568

Re: Vanguard Tax Managed Fund Changes?

Rob: How has Vanguard Tax-Managed International fund changed? Thank you and best wishes Taylor The tax managed fund no longer exists - it's original mandate was to track an index as much as possible while minimizing the taxable effects. e.g. It could diverge from the index by avoiding holdings that...
by rob
Wed Dec 28, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4568

Re: Does Vanguard always have our best interests in mind?

For some reason Vanguard gets a free pass on this board with their style drift..... changing indexes, changing mix in target funds, adding small into some funds, adding emerging into other etc. But have they acted directly against MY and others interests outside of style drift - Unfortunately the an...
by rob
Fri Dec 23, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Are my parents in good hands with this adviser?
Replies: 88
Views: 6642

Re: Are my parents in good hands with this adviser?

Sadly... I think the answer is no one is safe in the hands of a financial "advisor". By the time you know enough to know you got a decent one, you know enough to do most of the stuff you need - and a good idea of where you need specialized information. I wish the answer was better... maybe...
by rob
Fri Dec 23, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: depositing checks over the $250k FDIC limit
Replies: 13
Views: 996

Re: depositing checks over the $250k FDIC limit

I think the risk at a large bank short term is pretty low.... If this was a longer term thing then I would deposit and then structure in a way to get under the limits (you on one, spouse on another etc.).
by rob
Tue Dec 20, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Anybody know of a "safe" Outlook Express .dbx file viewer?
Replies: 4
Views: 327

Re: Anybody know of a "safe" Outlook Express .dbx file viewer?

In THEORY there was a way to export as outlook files from outlook express and then read in as .pst files.... I never got the damn thing to work, so just declared that M$ beat me and I moved on.
by rob
Sun Dec 18, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA account tax issue
Replies: 6
Views: 514

Re: UTMA account tax issue

The way your asking the question I don't think there is a way to answer without breaking some tax law..... You have all the points.
by rob
Sun Dec 18, 2016 1:21 am
Forum: Personal Consumer Issues
Topic: Winter car safety kit?
Replies: 46
Views: 2480

Re: Winter car safety kit?

I have a pack of mylar blankets (as well as a couple of regular ones).... Incredibly little space, cheap and useful for all sorts of stuff in addition to keeping warm.
by rob
Wed Dec 14, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: Bogle says (US) has the best investor protections and legal institutions
Replies: 88
Views: 6500

Re: Bogle says (US) has the best investor protections and legal institutions

Why are these discussions always about US vs Emerging.... as though there is nothing in between. As to the US having the "best" - well I guess that's a whole other topic that a little recent history should disprove - countrywide? and on....
by rob
Mon Dec 12, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted membership interest from startup
Replies: 6
Views: 366

Re: Restricted Stock options from startup

Restricted stock and options are different .... Find a copy of Consider Your Options by Kaye Thomas.... not sure how current the latest version is as some of this changes but it's a great base to start discussion. EDIT: Cannot strike-thru but this part of my post is busted after the title change fr...
by rob
Mon Dec 12, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Boss - Bonus Different This Year
Replies: 12
Views: 1192

Re: New Boss - Bonus Different This Year

The company has never put anything in writing regarding bonuses. Maybe it is just me being naive but shouldn't they oblige by the pretenses/promises that the old boss made on behalf of the company? Fits one of my fav quotes... after all is said and done more is said than done..... You cannot rely o...
by rob
Mon Dec 12, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: 401K - Front Load or Not?
Replies: 4
Views: 520

Re: 401K - Front Load or Not?

The biggest factor in my decision would be how confident I am that I'd be working for the same employer in June 2017 and in January 2018. After that I'd consider time-in-market. If the 401k is your sole investment vehicle, then you're correct that front loading will increase time in market. But if ...
by rob
Mon Dec 12, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: 401K - Front Load or Not?
Replies: 4
Views: 520

401K - Front Load or Not?

I can do the math but I was interested in what you guys think is the better plan (knowing none of us can really know) because this is not necessarily a straight math thing. New job and looking at their 401K plan.... Let's assume..... - I can hit the 18K 2017 limit - The match works out about $600 to...
by rob
Sat Dec 10, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Maybe I don't know how to rent a car?
Replies: 17
Views: 2024

Re: Maybe I don't know how to rent a car?

But really, is this what everybody goes through? Flymore, the vast majority of revenue for car rental companies comes from their corporate accounts (business travelers from megacorps, car dealers, etc). Those customers get the prime treatment, I say this from firsthand experience. Household consume...
by rob
Sat Dec 10, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Pricing
Replies: 2
Views: 529

Re: TurboTax Pricing

Meh - That company has a long history of been less than honest with customers. I don't know why people buy stuff from them.... there are other options.
by rob
Fri Dec 09, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 2290

Re: Do you think Slice and Dice makes it harder to stay the course?

Just goes to show that we are different and you need to work out your own road... I also find it easier to stay still using S&D... I have college money in a 3-fund and it bothers me far more that the retirement portfolio.
by rob
Thu Dec 08, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8355

Re: Vanguard's new "account overview" page... BOO!

Yeah it's horrible... but what I have, sadly, come to expect from Vanguard IT. The bonus is that I use the balances page and not that summary.
by rob
Thu Dec 08, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 4375

Re: Should I fill out survey evaluation of my boss?

I can tell you from first hand experience that one of the greatest obstacles upper management has in trying to weed out lousy, dysfunctional bosses/supervisors is the difficulty in getting adequate information and candid responses from those working under them as to how bad things really are. It is...
by rob
Wed Dec 07, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15205

Re: Retiring in a Decade after Graduation

Seems to me most of the non IPO crowd do this via a similar path.... - No kids. - If spouse then 100% in line with lifestyle. - Spend a lot of time in low cost places (a lot outside US but could be done domestically). - Spend very little money unless needed - aka live like a student. Popular but wou...
by rob
Wed Dec 07, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 13
Views: 1329

Re: Where to purchase tea

Hayden wrote:I know this has been discussed before, but I've searched and can't find the threads.

Here is one thread that had some good discussion.
by rob
Mon Dec 05, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2607

Re: Managing kids money

I don't think that's the case. I think it's more they want to have strings attached and their hands in the pot, knowing them. IMO only the parents should be opening and controlling accounts for a child. Agree - I would not let anyone open an account for your kid... the tax hassle is not worth it. Y...
by rob
Sun Dec 04, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "Retirement?"
Replies: 38
Views: 2518

Re: How to define "Retirement?"

I think retired is easy.... not earning salary. Not something to over-think IMO. By that rubric unemployment is retirement. I don't buy it. PJW Chronic/Permanent unemployment is retirement IMO..... obviously temp unemployment is not. Parse any words enough and you can break any rubric. Maybe I shou...
by rob
Sun Dec 04, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "Retirement?"
Replies: 38
Views: 2518

Re: How to define "Retirement?"

I think retired is easy.... not earning salary. Not something to over-think IMO.
by rob
Sun Dec 04, 2016 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 164
Views: 19075

Re: Retirement with $8M in investments

Not sure what to say about not feeling wealthy with a nw of 14M..... You have more than any dozen regular people.

Work out expenses and see if you can cover with a 4% withdrawal. As to the specific funds - not a clue but your better off getting a plan rather than trying to pick funds.
by rob
Fri Dec 02, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Logistics of getting a new car when moving across country
Replies: 16
Views: 710

Re: Logistics of getting a new car when moving across country

I would rent a car for a while in TX and then buy.... Why have the headache of a new car shipping (and potential damage etc.) on top of the MA tax.
by rob
Thu Dec 01, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 6475

Re: Long ethernet cable or wireless?

May have been suggested earlier, but you may be able to turn off wireless broadcasting and set up your wireless connection manually on the one laptop. I'm going to need some help understanding this. If I disable "Wireless Radio" on my router, which would be turning off wireless broadcasti...
by rob
Thu Dec 01, 2016 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Max out order 401k, then Roth401k, then backdoor Roth IRA?
Replies: 10
Views: 1187

Re: Max out order 401k, then Roth401k, then backdoor Roth IRA?

The 18K employee limit is the sum of pre-tax and Roth 401K - you cannot do both.
by rob
Wed Nov 30, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - proposed change
Replies: 10
Views: 762

Re: Fidelity 401k - proposed change

When I was young and stupid vs. old and stupid, I liked that Baron fund until I figured out who was paying for the great annual parties Ron would organize..... Skip it completely. It's expensive and drifts. I would also skip contra fund but it has it's fans.
by rob
Tue Nov 29, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 69
Views: 7594

Re: Gift To Self

A sentimental gift for me: My mom knitted Christmas stockings with names for all the kids back in the 50's and 60's and then for the spouses and grandkids. My stocking was lost in an overseas move, so I haven't had a matching stocking to hang on the mantel for decades. I found the pattern and someo...

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