Search found 2787 matches

by rob
Mon Sep 25, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2586

Re: Do you subscribe to digital newspapers?

I have not had a paper version in decades.... Never moved to the digital versions as lost faith in "news". When I have more time I will do a digital sub to the economist or alike. I do miss the old-timers on the TUBE (London)... folding the financial times is a lost art form... just amazing to watch.
by rob
Fri Sep 22, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 53
Views: 4010

Re: VG wants everyone to transfer to a brokerage account?

For those of you fearing this, what are the potential negatives? On balance, I'd rather have the flexibility of a brokerage account vs not. - Some people work in a position that require any brokerage accounts to be transferred in-house so the compliance dept can see activity - usually mutual fund a...
by rob
Thu Sep 21, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 53
Views: 4010

Re: VG wants everyone to transfer to a brokerage account?

They convinced me to convert one account to "fix" an issue (meaning their old system is coded wrong).... The "new" platform did NOT fix the old issue but did add several other issues. They are going to have to convert me with a gun over my objection until they can prove that the "new" platform at le...
by rob
Sat Sep 09, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 643
Views: 38796

Re: Equifax customer information leak

I didn't see this mentioned... but the process to add a credit card to android pay also uses one of those places for info [no clue which one].... I expect that a freeze would also stop that process.
by rob
Fri Sep 08, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 643
Views: 38796

Re: Equifax customer information leak

It's better to get a PIN from the IRS as soon as you have a legitimate cause to request one. This breach would be a legitimate cause. I should have done that after the Anthem breach and saved myself the trouble. Here's the IRS site: https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-pro...
by rob
Fri Sep 08, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How many funds in your retirement accounts?
Replies: 56
Views: 4662

Re: How many funds in your retirement accounts?

kamo wrote:
Wed Dec 05, 2012 7:37 am
Too many!
Yeah.... I have a lot of duplicate funds due to the stupid nbr of little buckets - 2 x roth, 2 x trad, 2 x rollover, taxable, 401k, 457, 529 etc
by rob
Mon Sep 04, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores are stupid
Replies: 18
Views: 1346

Re: Credit scores are stupid

Yup... I saw my score almost a decade back when I refinanced - at that point it was 810, otherwise no clue what it is. I pay off all cards like you and have never been denied credit when I applied and have far less assets than you and carry a small mortgage.
by rob
Thu Aug 24, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6830

Re: Crashplan for Home ending service late 2018

For those considering Carbonite.... I left them after finding out they effectively do NOT allow any real volume ("unlimited" is an inside joke) - They slow the upload after a fairly small size, so you can never actually get the initial backup done if you have a decent sized file set. Add me to the u...
by rob
Sun Aug 20, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Wine pairing
Replies: 8
Views: 797

Re: Wine pairing

Mix of big reds, port and muscat.... something with a bit of weight. Any good wine store will have someone who can make some suggestions....
by rob
Sun Aug 20, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13358

Re: I own no international stocks. Can you guess why?

Because you just wanted to lob that comment into the forum like raw meat in the tiger cage :D
by rob
Sun Aug 20, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing Roth/Traditional in mixed account
Replies: 12
Views: 1018

Re: Optimizing Roth/Traditional in mixed account

If you want to do this; Let's say you contribute 50%/50% to pretax/Roth.... Start in Jan with Roth and contribute to a stock fund.... then swap to pre-tax in June and swap future allocation to a bond fund. I know it's all mixed by money type inside the account but the sub-accounts would be closer to...
by rob
Sat Aug 19, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1409

Re: Home Theater Help

This is one of those you just have to hear things..... Once you know what types of speakers & components you like, you can look at similar gear. Speakers in the roof are seldom a great option - certainly at the front. Go to best buy and give them a firm price for receiver/front/rear. If your mixing ...
by rob
Sat Aug 19, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 2245

Re: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

Reads to me like active mgt forced into an index fund in my case (not sure what other funds this was include against)..... It calls for a subjective judgment and IMO that's not the intention of index funds - if the security meets the definition it should be included in the index. There are other law...
by rob
Sun Aug 13, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Please help, Public school(Move) or Private school(Stay-put) ?
Replies: 16
Views: 1600

Re: Please help, Public school(Move) or Private school(Stay-put) ?

Thank you, I will prepare for long commutes. Can you pls share some insights on why you avoided expat communities ? If I wanted an homogenous experience I would have stayed home.... To me the aim of living in another country is to experience life as a "local" and experience something out of your ow...
by rob
Wed Aug 09, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in 529 if leaving US in 5 years
Replies: 5
Views: 527

Re: Invest in 529 if leaving US in 5 years

Check the official list... 529 money can be spend in several non US universities - although that's less of an issue in the UK with their system. I don't know the UK treaty to know if that's a good idea or not.
by rob
Mon Aug 07, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Please help, Public school(Move) or Private school(Stay-put) ?
Replies: 16
Views: 1600

Re: Please help, Public school(Move) or Private school(Stay-put) ?

Seems to me the important variables here are school and commute..... School is important and for 12+ years. Is your job something you love and plan to be there a decade or two? Is that even a thing now? If not then optimize the school and suck up the commute until you can find a more convenient job....
by rob
Sat Aug 05, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Is it stupid to consider a defined contribution cash balance pension as part of my bond allocation?
Replies: 18
Views: 1888

Re: Is it stupid to consider a defined contribution cash balance pension as part of my bond allocation?

Is it vested? I reduce the value by the vesting scheduling because I don't consider unvested portion as "mine" yet.
by rob
Sat Aug 05, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 1771

Re: only have 401k & emergency funds. what's next?

Agree with above except I would ask why are you talking about investing.... Get spending under control, pay off credit cards now (waste of time without first step), then all money to loans. That level of income will save you after you get rid of most of that debt (and certainly all of the cc debt).
by rob
Fri Aug 04, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Organizing small electronics (portable mp3 players)
Replies: 11
Views: 871

Re: Organizing small electronics (portable mp3 players)

Wireless headsets? They are pretty good now.... and you'll never go back :-)
by rob
Wed Aug 02, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9808

Re: Burned out at 28. Do I have enough?

Now, I didn't go from making $120k to $50k. But, I also have a wife and 3 kids to consider. You have options. A spouse and 3 kids is not a hole lot different than 120 down to 50 (five of us also) :shock: To the OP.... Is there any way to swap employers and take a smaller hit? If it's the career, th...
by rob
Mon Jul 31, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Deductible Traditional IRAs
Replies: 7
Views: 806

Re: Non-Deductible Traditional IRAs

I think you can lodge an 8606 without a tax return.....

As for Trad IRA... It was not a bad decision (I did the same thing)... it's a case of strategy vs outcome not matching due to future tax changes :(
by rob
Mon Jul 31, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9809

Re: [Amazon Prime Day]

Helo80 wrote:I'm talking about a billion dollar company that wants to make money off of me.
Amazon is far more than a billion dollar company :-)
by rob
Mon Jul 31, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 3160

Re: Say Bye Bye To Wells Fargo Advisors?

Do you "like" them enough to give up a stack of cash over the years (do the maths with and without in dollars so you can make a rational decision)? Exactly what value do they add to you - some of this can be subjective holding hands stuff? If that subjective value is higher than the long-term costs ...
by rob
Mon Jul 31, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4510

Re: Fidelity Tries to Out-Vanguard Vanguard With Latest Fee Cuts

Great.... gota love self interested loss leading to get the AUM up. Fido has been a great option for passive index investors for a while now and seems to be getting better :D
by rob
Mon Jul 31, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2803

Re: Filling bookshelves cheaply

I once worked in an old office that had huge shelves filled with 2-4 inch folders with fancy looking names & numbers on the spine (it was supposed t be an IT methodology but had some std law folders as well)....... We moved offices not long after I started and 90% of them were completely empty folde...
by rob
Sun Jul 30, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2226

Re: Sunroom Worth It?

Yes... I think they are great especially in winter when you get those sunny days....
by rob
Sun Jul 30, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 37
Views: 3728

Re: New 2018 Honda Odyssey Problem - Need Advice

I know this is not ideal... take it to a suspension place and see what options you have to improve the ride....
by rob
Sun Jul 30, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Where to put $300 401k rollover
Replies: 4
Views: 380

Re: Where to put $300 401k rollover

Just cash it out..... IMO it's not worth the hassle for suck a small amount.
by rob
Sat Jul 29, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Master's or Master's PLUS MBA Dual Degree
Replies: 14
Views: 1194

Re: Master's or Master's PLUS MBA Dual Degree

"Education" seems more interested in letters on pieces of paper than most industries, so for a little extra hassle and if you can hang out a little longer; just get it.
by rob
Sat Jul 29, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5281

Re: BMW Z3 or Z4 or nothing at all?

Z3 every time over the Z4.... Just a personal thing but I love the classic lines of the 3 but hate the squareness of the 4. The answer is not always a Mazda :-) although I also love the Boxter S from that same era, I would still do the Z3.
by rob
Fri Jul 28, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 2065

Re: Why are there RMDs on ROTH 401ks?

I expect your question is the wrong way around.... They were not made that way, a Roth option was just added with the RMD provision not changed to match IRA's. Also the $$ can be far larger than an IRA, so maybe it's not an accident :D I don't have any references....
by rob
Fri Jul 28, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Are any advisors not self serving
Replies: 25
Views: 2163

Re: Are any advisors not self serving

The whole AUM is a racket IMO..... It's just a way to guarantee a revenue stream. $x / y service; no kick backs, no cuts, no AUM is in my view the ONLY honest way to remove the cross dealing... They are rare and the rates would have a shock value to some people.
by rob
Mon Jul 24, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33039

Re: John Bogle Has Been Right About Investing In International Stocks

aegis965 wrote:So it seems that Bogle is both right and wrong at the same time. Schrödinger's cat?
I know this was said in jest but it's not far off in some ways.... It changes depending on the act of observation (depends on timeframe etc) :D
by rob
Sun Jul 23, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 971

Re: Treadmill Desk

The old hospital tables sound like an idea solution.... swing around when not needed. For straps.. maybe those cable velcro things - front sticks to back? I also have some VERY big twist ties - like 2 foot long with real wire inside.... They could also work (you can screw one to the other if you nee...
by rob
Sun Jul 23, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 13
Views: 887

Re: Low cost Roth IRA contribution

I think Vanguard Star is still 1K min (check... that might have changed). If not check Fido, TRowe and TIA as I believe they will open for low with a regular deposit...
by rob
Sun Jul 23, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I combine 401k and IRA accounts?
Replies: 4
Views: 453

Re: Should I combine 401k and IRA accounts?

You would not have to deal with 2 sets of people at Vanguard.... Depends very much on the 401k plan. There are some potential liability protection differences. You can take money from IRA's before retirement without fees - see SEPP (there are catches).
by rob
Sat Jul 22, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Scanner compatibility with Mac Sierra OS
Replies: 2
Views: 208

Re: Scanner compatibility with Mac Sierra OS

If that does not work... Try Vuescan - It can get to most scanners (I THINK they had a free trial to see that everything works before you buy).
by rob
Wed Jul 19, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 7163

Re: Those Of You In a HCOLA - What's Your Financial Plan

xxx This always throws me off because I could never do it on that money. Then comes the rub - their living expenses are really low, usually because they are living in a low cost of living area. xxx I'm in one of those on your HCOL list - Bottom line is that sometimes we don't "max" everything out. ...
by rob
Wed Jul 19, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: avoiding capitol gains tax
Replies: 7
Views: 787

Re: avoiding capitol gains tax

Get the info yourself - demand a cost basis report.

Even if true and no transfer in kind.... 10K short-term in 1 year likely you have been paying a LOT more in turnover etc..... Just pay the piper :shock:
by rob
Wed Jul 12, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign earned income exclusion for Corporations?
Replies: 4
Views: 209

Re: Foreign earned income exclusion for Corporations?

US Citizens are taxed by the IRS on global income.
by rob
Tue Jul 11, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Child Roth IRA advice: hiring your kids to model for your website
Replies: 17
Views: 1875

Re: Child Roth IRA advice: hiring your kids to model for your website

Under an audit do you think any of this would appear to be income shifting? If you hired unrelated children, would the costs be the same?

If the kid is earning income from a 3rd party, I see no issues (I do a custodian Roth for my kid that earns income from a multinational company).
by rob
Tue Jul 11, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5641

Re: $1368 for new shocks/struts on '05 Corolla?

I would not put that much into an 05 Corolla with 130K miles on full stop..... As others say, buy the assembly if you really need it done as it's DIY friendly mostly.
by rob
Sat Jul 08, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2666

Re: Anybody retired and relocated + bought a new house?

Depending how much appreciation, you might also need to pay capital gains on the old house.
by rob
Thu Jul 06, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Should Indexers give up their voting rights? Bill McNabb says "No"
Replies: 8
Views: 1080

Re: Should Indexers give up their voting rights? Bill McNabb says "No"

Actions speak louder than words Vanguard's voting history is generally along the lines of the companies management (like a train :-) ).....
by rob
Thu Jul 06, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4492

Re: Anyone bought a Pixel?

I'm torn.... I LOVE the Fi service and traveling options outside the US. I have a Nexus 5x phone and it's meh... Lots of bugs with either the phone or android (non responsive buttons so cannot answer phone sometimes, poor apps like default dialer, slow camera, music app that insists on playing when ...
by rob
Wed Jul 05, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy Help: MAGI to go above IRA limits soon
Replies: 7
Views: 798

Re: Strategy Help: MAGI to go above IRA limits soon

I feel your pain on the no back door..... First off; you CAN contribute to a traditional IRA but you cannot deduct the contributions. Still a decent option if you need more bond space. Otherwise, taxable is the way forward and arrange to have low turnover stock and rebalance in the other tax advanta...
by rob
Wed Jul 05, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: To shred or not to shred, that is the question
Replies: 17
Views: 1904

Re: To shred or not to shred, that is the question

BBQ / Fire starters until the next shredding event :-)
by rob
Sun Jul 02, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Childless couple - want siblings to inherit after we both go
Replies: 36
Views: 3695

Re: Childless couple - want siblings to inherit after we both go

If you have separate accounts (sounds like it); so title each set to a pair of trusts with their own distribution.... What am I missing?
by rob
Sat Jul 01, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 7171

Re: Those who max 401k

Obviously depends... For me the contribution is a percentage and catchup needs to be defined in dollars (no idea why) with the match only against the contribution not catch-up. I front load the catch-up and just spread the contribution evenly over pays so I max the match, although they have a true-u...