Search found 2458 matches

by rob
Wed Sep 28, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing home with Natural Gas vs Oil Heat
Replies: 11
Views: 543

Re: Choosing home with Natural Gas vs Oil Heat

As someone who only has the option of oil... I vote gas.....
by rob
Tue Sep 27, 2016 3:56 pm
Forum: Investing - Theory, News & General
Topic: If you own Vanguard Total Stock Market, do you re-invest dividends?
Replies: 40
Views: 3672

Re: If you own Vanguard Total Stock Market, do you re-invest dividends?

In taxable accounts I never reinvest as it creates too many tax lots.... for tax deferred I always reinvest and just exchange to re-balance as needed.
by rob
Tue Sep 27, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Have international investments been doing bad last 5 to 10 years?
Replies: 19
Views: 1355

Re: Have international investments been doing bad last 5 to 10 years?

It seems that international is only good for better diversification, and will probably only benefit you if something really bad happens in USA which tanks the markets here. This would be extremely rare and would still probably impact international markets. It also seems that USA is just so big and ...
by rob
Mon Sep 26, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 117
Views: 5255

Re: Does it matter what type of college one goes to?

Five wrote:Any thoughts or real life examples?

Not sure but I never really look at the institution when I look at resumes for jobs.... Places like MIT etc. might jump off the page to me but the rest I just look that something relevant is there.
by rob
Mon Sep 26, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: 72t Withdrawals for Young-Retiree
Replies: 24
Views: 1565

Re: 72t Withdrawals for Young-Retiree

Sorry I don't have an answer but another part of this ----- I'm stuck on the fact that taxable accounts get a step up for inheritance.... I'm starting to think taxable [Highest cost basis] for the first part (with Roth conversions as it makes sense) then switch to 72t prior to depleting the taxable ...
by rob
Mon Sep 26, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to become debt free?
Replies: 34
Views: 2666

Re: How to become debt free?

Balance transfer to not pay interest. Actually CC A had about 4400 on it, since it was a 18mo 0% interest that is now getting hit. So it was transferred to CC B, in hopes to transfer again to CC C that has 0% intro and free balance transfer. I get that, but what makes you think they can now manage ...
by rob
Sun Sep 25, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can Living Trust persist after one's death?
Replies: 7
Views: 595

Re: Can Living Trust persist after one's death?

Normally a "living" trust will become irrevocable at death of grantor - meaning the terms cannot be changed. The "living" component as far as I know cannot persist.....
by rob
Sun Sep 25, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Do you have a "his car" and "her car" in your household?
Replies: 8
Views: 1080

Re: Do you have a "his car" and "her car" in your household?

We have the "red" cars and the "green" car :D

I'm not sure what we would do if both were the same color.....
by rob
Fri Sep 23, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 2664

Re: Audi Service Dealership Cost too high? Where should I take it?

I obviously squandered my career. I should have been a spark plug changer outer! Maybe they have a different employee per plug.... so you could be front left bank spark plug changer...... For those prices it better be something like that :oops: Yeah find a non dealer but your never going to be in T...
by rob
Fri Sep 23, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvest to set up future tax loss harvest?
Replies: 14
Views: 617

Re: Tax gain harvest to set up future tax loss harvest?

It can make sense if your in a lower tax bracket now than in the future..... If your in a higher bracket now then agree it's just burning $ that could be invested and will usually not be the optimal plan.
by rob
Wed Sep 21, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Stop-over or side trip to or from Australia
Replies: 8
Views: 570

Re: Stop-over or side trip to or from Australia

I know it's most of the way there but New Zealand? Air NZ runs from San Fran to Auckland then Syd/Mel/Bne..... You can do Tokyo (I think it's an over the pole flight from NY but don't recall exactly).
by rob
Wed Sep 21, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Parents over 80: End of life tax strategies?
Replies: 16
Views: 2886

Re: Parents over 80: End of life tax stragegies?

Don't forget in addition to a will... Medical and Financial POA's/Proxies - Hopefully you don't need this but it can get ugly in some scenarios without those all in place. Maybe check with the local/likely hospital as they sometimes need some additional things or like to use their standard forms. So...
by rob
Tue Sep 20, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 83
Views: 5598

Re: "Women and Investing" class offered by Employer

schuyler74 wrote:"unique financial challenge"

A sales technique intended to help the mark think that the salesman is on their side.....
by rob
Mon Sep 19, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 214
Views: 20293

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

Okay, so I'll include some more abstract things [in no order].... - Good camera and prime lens - Fast computer - Smell of the ocean on a clear breezy day - View of the stars with no moon from a dark sky location [fewer of these locations exist over time] - Good port - Duct tape & WD40 - Advise f...
by rob
Mon Sep 19, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 10056

Re: Did you have a Mid Life Crisis?

Sriracha wrote:My wife has a mild car crush on a Tesla, though. Boy, I really hope it doesn't develop into anything more serious. Anybody have any hints on how to cut that off at the pass, as it were?


Yeah, buy her a real car like a Porsche :D
by rob
Fri Sep 16, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Paying off mortgage versus investing with a twist
Replies: 22
Views: 2545

Re: Paying off mortgage versus investing with a twist

Ignoring taxes. Yeah but you cannot and when I think about this it becomes too many unknown/hard to calc things..... The 3% interest on the mortgage is somewhat less IF you can itemize - how much less depends on your tax rates and how close you are to the std deduction. Then there is the flow on ef...
by rob
Tue Sep 13, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: Home Computer-Kids vs Data
Replies: 21
Views: 1249

Re: Home Computer-Kids vs Data

- Separate user (non-admin) accounts
- Lots of software that encrypts folders
by rob
Tue Sep 13, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 85
Views: 5301

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

BUBear29 wrote:Capri - Sucked. Would not/will not go back. Super touristy and really crowded. We have a private car and guide but really did not enjoy it at all.

I somewhat agree on Capri but if you run up to Anacapri, it's great and more off the tourist trip.
by rob
Tue Sep 13, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3023

Re: iOS 10 available today

My attitude with all new releases (especially from Apple & Microsoft).... Watch to see what happens to those brave and free spirited souls that charge in without regard for their own safety :D
by rob
Mon Sep 12, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6460

Re: Is anyone else feeling courageous enough to buy today?

I apologize for the bump up today - I had a purchase. No matter what - it goes up the day I buy and down when I sell. My bad.... :D
by rob
Mon Sep 12, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: I should be able to retire!!!! But how can I do it?
Replies: 40
Views: 4971

Re: I should be able to retire!!!! But how can I do it?

jjface wrote:I'll refrain from commenting on those large returns. :shock:

I won't - You either calculating them wrong or mistaking strategy and luck.....
by rob
Sun Sep 11, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Downpayment Question
Replies: 21
Views: 1859

Re: Downpayment Question

So you have 23K in cash and looking to buy a house? While it's great you have a head start on retirement there is no way you can afford a house. Do what people have done for ages before you, rent a place with some friends or by yourself..... Buying will come in the future.
by rob
Sat Sep 10, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9225

Re: So being 40 is "old" in the high tech business?

Barefootgirl wrote:On the outside looking in (I'm not in a tech field, just overall business field), but I have to ask - why aren't more people in the tech sector, contractors?

Some do - I have spent about equal time as an employee and contractor over a long time in IT..... To me it depends on the details.
by rob
Sat Sep 10, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Maths is hard [help with inflation calculations]
Replies: 10
Views: 922

Re: Maths is hard [help with inflation calculations]

cheese_breath wrote:"Maths is hard" ??? So are your english. :P

This is another separated by a common language thing... The plural abbreviation is used outside the US/Canada.....
by rob
Fri Sep 09, 2016 12:16 am
Forum: Personal Consumer Issues
Topic: Where to rent a vehicle with large cargo capacity?
Replies: 18
Views: 1320

Re: Where to rent a vehicle with large cargo capacity?

I've rented minivans and pickups from a rental company (yellow sign) and also larger trucks from uhaul [careful of real cost as they do mileage plus base rate]..... Both work fine.
by rob
Fri Sep 09, 2016 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Ethical Fees for Financial Advice
Replies: 20
Views: 2475

Re: Ethical Fees for Financial Advice

Rob – I see it the same way. However people seem to be more willing to pay an AUM fee even if it isn't in their best interest. Getting someone to pay $250/hour isn't easy. However getting them to pay 1% on $1million happens all the time. Sure but only because the fees are effectively hidden to the ...
by rob
Thu Sep 08, 2016 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is my financial adviser expensive? Can I improve my portfolio?
Replies: 37
Views: 3851

Re: Is my financial adviser expensive? Can I improve my portfolio?

watermelon wrote:--- Question 1: My financial adviser manages $353K of my money. His fee is 1.5% for the first $250K, and 1% for the rest. Are these fees expensive?

Yes! It's very expensive especially over time.....
by rob
Sun Sep 04, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical Fees for Financial Advice
Replies: 20
Views: 2475

Re: Ethical Fees for Financial Advise

The ONLY ethical fee IMO is $x / Hour (ZERO kick-backs, ZERO percentages etc.)...... No saying it's the easies way to run a business - AUM is attractive for business planning & stable income but horrible for the customer.
by rob
Thu Sep 01, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache Staying in Lending Club
Replies: 68
Views: 6285

Re: Mr. Money Mustache Staying in Lending Club

Grt2bOutdoors wrote:The danger in doing that is if it goes south for LC, he might get sued for promoting it.

I'm not sure that's a huge risk given the poor "advise" out there not to mention the big firms that clearly get away with far worse.....
by rob
Mon Aug 29, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to diversify my asset based on currency denomination?
Replies: 5
Views: 393

Re: Do I need to diversify my asset based on currency denomination?

Search here on "international" stocks (and to a lesser degree bonds)...... There is no right answer and some people have passionate positions on both sides :D I strongly favour international but others disagree.... um... strongly :D
by rob
Mon Aug 29, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Can I use Spec ID
Replies: 5
Views: 482

Re: Can I use Spec ID

To use specific ID, the whole point is you need to (maybe should is a better word :D) have all the tax lots...... Vanguard is woeful on taxable account stuff [They were forced to do it for new purchases] - so either reconstruct the tax lots or use the average.
by rob
Sun Aug 28, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Anniversary Update is an improvement for me
Replies: 34
Views: 2496

Re: Windows 10 Anniversary Update is an improvement for me

heartwood wrote:Anecdotally it's been said that MS rarely delivers a great product in version 1, but continues to grind away and gets it mostly right in subsequent versions. That seems to be the case here, at least for me.

I see it's killing some higher end webcams.....
by rob
Fri Aug 26, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8892

Re: Fidelity competing harder w/Vanguard

Great to see some competition - Great for us to have options....
by rob
Thu Aug 25, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: should a student invest for retirement?
Replies: 13
Views: 1092

Re: should a student invest for retirement?

Anything you can contribute to a Roth could stay invested for a v e r y long time..... It's time in the market not market timing :D
by rob
Tue Aug 23, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Re-finance? (Finish minor upgrades before?)
Replies: 9
Views: 756

Re: Re-finance? (Finish minor upgrades before?)

None of my refi's have ever step foot in the house.... Do or don't is not going to matter IMO.....
by rob
Thu Aug 18, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a wealth management company to manage my money?
Replies: 16
Views: 2076

Re: Should I hire a wealth management company to manage my money?

I think you need to separate the pieces a little... The mechanics of investing are simple and easy to do yourself (build a plan and follow the advice here). Where you probably need some help is in estate planning, tax planning and anything specific about the business that's unusual (stock options, h...
by rob
Sat Jun 18, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 7923

Re: Why You Shouldn't Do International Stocks?

So your taking the piece you agree with and dismissing the other part? :D

Do what makes sense to you and stick to it..... I think using only US stock is short-sighted but that's my opinion.
by rob
Thu Jun 09, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: England Trip
Replies: 12
Views: 1390

Re: England Trip

The PIN you have is almost certainly NOT the right one. Have ATM cards and carry some cash. Credit cards mostly work but you will get funny looks from some places off the tourist traps and don't assume it will work regardless of what nonsense the US bank says.
by rob
Tue Jun 07, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: The Goldilocks Theory of Being Rich
Replies: 31
Views: 4184

Re: The Goldilocks Theory of Being Rich

“You can’t buy happiness,” goes the cliché. I see this nonsense all the time..... What little cannot be bought outright can be rented or leased easily enough :D I'd say maybe health cannot be bought but in a lot of cases even that is not true. I guess I don't see the point of having 2 groups that a...
by rob
Tue Jun 07, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: building a house- realtor recommends selling and renting?
Replies: 22
Views: 2278

Re: building a house- realtor recommends selling and renting?

My cynicism tells me 1 commission in the hand is better than...... Do what you want and ignore what someone sucking a commission out of you wants.
by rob
Mon Jun 06, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 37119

Re: [Fidelity drops AmEx, Bank of America credit cards]

I have the 2% mastercard AND 2% amex..... My letters have the Amex continuing at 2% unlimited but the mastercard 2% limited to 150K points/year [75K charged]. I love how the FAQ misses the main question I have - When do we get the new cards :D Have to recreate the auto payments which is annoying - h...
by rob
Fri Jun 03, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Developed Markets Index Fund now tracking new FTSE index."
Replies: 22
Views: 2813

Re: "Vanguard Developed Markets Index Fund now tracking new FTSE index."

I agree the recent index based change is "unobjectionable". Would have preferred it to still be tax managed with all dividends qualified. I have unfortunately owned this monster since it was a tax managed fund (almost since inception in fact)... then Vanguard shafted me (Unfortunatly that...
by rob
Fri Jun 03, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need help inside of VanGuard, please help... Desperate
Replies: 30
Views: 2611

Re: Need help inside of VanGuard, please help... Desperate

No help on the sale fees but if you work out the cost difference between your new funds and old, I suspect it's in that order every year at USAA.
by rob
Thu Jun 02, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3392

Re: 3-Day Weekend: Monday vs. Friday?

tooluser wrote:Because if you die on Saturday or Sunday it won't matter as much.

I'd be pretty upset if I woke up dead on a weekend..... If your going to go might as well be a Monday on the job IMO :D
by rob
Thu Jun 02, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 10163

Re: How to get a real Chip and Pin card?

I have been unable to get an app for Barclay cards for a few weeks now - They just say check back later. Not sure if others get the same thing.
by rob
Wed Jun 01, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3392

Re: 3-Day Weekend: Monday vs. Friday?

Fri - There are more holidays on Monday :D
by rob
Tue May 31, 2016 11:25 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Developed Markets Index Fund now tracking new FTSE index."
Replies: 22
Views: 2813

Re: "Vanguard Developed Markets Index Fund now tracking new FTSE index."

I wish I had never bought into this fund.... Vanguard's style drift on this one is disgraceful!
by rob
Tue May 31, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4952

Re: It's not shady to move States for tax reasons is it?

Why would it be? Companies do this all the time (and worse). Most of us have a mix of reasons for living where we do - tax is just one variable. I hear Alaska has lower taxes than most places but it's not overridden by lower 48 ers :D
by rob
Tue May 31, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12612

Re: Early retirement and opportunity cost, by Harry Sit

I do not believe my story is unusual. It is common among my peers when they are in their 40s and 50s. KlangFool Your situation is very unusual. You don't realize it because your peers (same industry and geographic locations) are in the same boat.<snip> I don't know how common across the population,...
by rob
Mon May 30, 2016 11:32 pm
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 46
Views: 10988

Re: New "Flagship Select" level at Vanguard

Seems to be a little inflation in the small perks..... If I recall some of the existing levels have lost CFP perks [wasn't it orig in the one below Flagship?], so this must be where they went :D Meh... It's like knowing they have signal share class - academic :?

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