Search found 2295 matches

by rob
Thu Feb 04, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 87
Views: 4193

Re: Sibling's destination wedding?

I just attended without the family...... Seemed the best compromise for us.
by rob
Thu Jan 28, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4179

Re: Which news source do you use?

Al Jazeera America has some great real stories past the regular blah blah (just avoid the news piece and grab one of the in depth shows).... but get it quick since they are killing it in a few months :(
by rob
Sun Jan 24, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Paying Power Bill with Credit - 2% Cash Back - $2 Fee
Replies: 3
Views: 433

Re: Paying Power Bill with Credit - 2% Cash Back - $2 Fee

For less than 1% of your usual bill you get 2% CC kick back and the convenience....... I would do it. A<1% I would do it without the kick back :-)
by rob
Sun Jan 24, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead Way of Employment
Replies: 82
Views: 6595

Re: The Boglehead Way of Employment

Take on more responsibility, including volunteering for tough assignments, in order to keep things interesting and advance up the ranks (technical or managerial or both). Don't be afraid to change jobs often if needed, especially if a change would add experience in complementary areas of expertise....
by rob
Sat Jan 23, 2016 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 6977

Re: Most anticipated retirement purchase

Maybe not retirement exactly but; Moving back into the city from suburbia.
by rob
Fri Jan 22, 2016 7:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4979

Re: Hope everyone is well [Preparing for Eastern US blizzard]

As someone from Boston after the last few winters (especially last year).... While I empathize, I'm glad it's someone else turn to get the big ones...... Keep you head attached and think before heading out.....
by rob
Thu Jan 21, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Brick and Mortar Bank in Massachusetts?
Replies: 31
Views: 1373

Re: Brick and Mortar Bank in Massachusetts?

As much as I hate the company.... It's convenient having a BofA account for the notary nonsense.
by rob
Mon Jan 18, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10164

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

xrvision wrote:Don't think the gas cap locks. I honestly don't remember.

As far as I recall all the Honda vans have a remote release inside - so it would be a hassle to open the filler door without releasing inside first.....
by rob
Mon Jan 18, 2016 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: have large sum of money and age 38 with W2 income
Replies: 24
Views: 2598

Re: have large sum of money and age 38 with W2 income

Thank you, are you saying even I max out my employer's 401k with $18000, I can still put $5500 to my own IRA? I read it somewhere that if someone max out the 401k, the IRA would be taxable. Yes. Your spouse can also put in 5500 (or 6500 if 50 this year) into a Roth IF your under the income limits, ...
by rob
Mon Jan 18, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: Tomorrows Market Open?
Replies: 37
Views: 4767

Re: Tomorrows Market Open?

No matter what happens the talking heads will have a logical reason they say explains everything with the benefit of hindsight :oops:
by rob
Sat Jan 16, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 169918

Re: TV show recommendations?

After a two year hiatus a new episode of Sherlock aired in the UK a couple of days ago. Starring Benedict Cumberbatch as Sherlock and Martin Freeman as Watson. The Guardian's review sums it up nicely. Sherlock’s back and it's fast, fun, flashy, fantastic Mark Gatiss and Steven Moffat built 90 minut...
by rob
Fri Jan 15, 2016 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Unauthorized trades - nightmare in progress - options?
Replies: 18
Views: 3658

Re: Unauthorized trades - nightmare in progress - options?

Relax..... Get someone on the phone. They should be able to correct their errors without costing you the taxable hits.
by rob
Thu Jan 14, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 5798

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

Almost 1M in net worth, 1 tenured job, 1 decent job easily re-found, 28K/year gift..... What was the question - oh yeah... Sure. My gf and I took 2 years traveling/working in my mid 20's without any of those things and had a great time.
by rob
Thu Jan 14, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: New HCE: What are my options?
Replies: 6
Views: 548

Re: New HCE: What are my options?

This is one of the - many - silly parts of the 401K system. There is zip you can do apart from working for a different employer. At least you can contribute 13%.... I have had bouts with far lower allowable contributions. Hit the max and use a roth after that then taxable if your able.
by rob
Thu Jan 14, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4641

Re: What's your company 401k contribution

Zero dollars match - priceless :oops:
by rob
Tue Jan 12, 2016 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Why is there no vanguard competitor?
Replies: 48
Views: 5227

Re: Why is there no vanguard competitor?

State Street has some $$ under mgt and some decent ETF's.
by rob
Mon Jan 11, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 22
Views: 1894

Re: Best DNA genealogy testing kits

As far as potential cons..... Some places report the FBI and alike are accessing it in some way and maybe in the future are going to end up getting access to a lot of that data. It's not a decision for a single person... but also for you relatives and descendants :shock:
by rob
Mon Jan 11, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Transporting a car out of state
Replies: 22
Views: 1168

Re: Transporting a car out of state

So your giving him the car? Seems like a bit of his sweat equity on his part by jumping on a bus and driving back is in order...... Not sure the analysis paralysis here?
by rob
Sat Jan 02, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: What Fund to Buy for Roth IRA Contribution
Replies: 8
Views: 936

Re: What Fund to Buy for Roth IRA Contribution

I have no idea because it's the wrong end of the snake..... Work out a plan first.....
by rob
Sat Jan 02, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 374
Views: 47315

Re: "Vanguard converting mutual fund accounts to brokerage?

Keep in mind another "advantage" of "upgrading" to brokerageaccounts....

Availability of Tax Forms.....
1099-B
Mutual fund accounts: Late-January
Brokerage accounts: Late-February

1099-DIV
Mutual fund accounts: Late-January
Brokerage accounts: Late-February
by rob
Sat Jan 02, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 113
Views: 9708

Re: profitable hobby?

Define profitable :D At times I've made some $ on photography BUT it's always been a hobby and it could never really pay for the gear and education as a real business without trying to run it as a business. The main reason however is that I want to keep a hobby I enjoy and NOT try and hussle to make...
by rob
Sat Jan 02, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7948

Re: frustrating to keep investing in international/EM

So why so many people that espouse market weights for US and then flip their opinions on non-US? It's an inconsistent point of view; Either you know better than the market or you don't :D I'm probably wrong... but I am still about 50 US/50 non-US on the equity weighting and overweight on EM. It's no...
by rob
Fri Jan 01, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Any other Nuts have Bridgeway Mkt (BRSIX) in Taxable?
Replies: 3
Views: 411

Any other Nuts have Bridgeway Mkt (BRSIX) in Taxable?

This fund is slowly killing me (okay, slight exaggeration) with distributions :oops: I have held it for almost 15 years now in a taxable acct but the last handful of years I keep getting large distributions. Any one else still in this one? What is your thought on just biting the bullet and selling? ...
by rob
Fri Jan 01, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 2359

Re: Roll Call for Tax-Loss Harvesting Class of 2015

Nothing for me (only a few hundred in red so no worth the hassle).... but I only recently ran out of 09 carryover and have not been contributing much to taxable in the last few years.
by rob
Thu Dec 31, 2015 1:42 am
Forum: Investing - Help with Personal Investments
Topic: When to sell options...
Replies: 5
Views: 407

Re: When to sell options...

All else been equal the time value of options are valuable, so you would sell towards the expiration date. All tings are not equal however :D You might want to exercise earlier for tax planning or diversification or to hold shares if you think the company stock will dramatically increase in price or...
by rob
Tue Dec 29, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with windfall? Version: #8229
Replies: 19
Views: 1385

Re: What would you do with windfall? Version: #8229

Tough crowd :D Go do something you and your wife have always wanted but cannot justify in financial terms. Who cares if it takes 50K to do it... your in great shape so it's not like you desperately need to save it.
by rob
Tue Dec 29, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - Re-negotiate offer?
Replies: 25
Views: 2216

Re: Job Offer - Re-negotiate offer?

So where was your old employer last pay cycle? Now they can manage a bump for your value but not before an ultimatum?

Move on.....
by rob
Sat Dec 26, 2015 1:12 am
Forum: Personal Consumer Issues
Topic: Parking at JFK Airport
Replies: 11
Views: 1155

Re: Parking at JFK Airport

For a little money you get a nice nights sleep near the airport and no frantic hassles in traffic (and there can be unexpected traffic in that drive)... Just do the hotel the night before and their long-term parking.
by rob
Thu Dec 24, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Debt free!]
Replies: 24
Views: 3015

Re: Do you have tons of debt?

Great job for sure..... Love the physical reminder.

As far as discharging student loans thru the normal bankruptcy... I don't think it's that easy as it's mostly exempt from that process.
by rob
Wed Dec 23, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: Next year is the year for stock picking....
Replies: 26
Views: 2655

Re: Next year is the year for stock picking....

“It's tough to make predictions, especially about the future.” - Yogi Berra

Active managers seem to have an answer for everything with hindsight.....
by rob
Tue Dec 22, 2015 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a business
Replies: 6
Views: 651

Re: Cash in a business

Yeah agree with above to try and get a buy-out.
by rob
Wed Dec 16, 2015 10:08 pm
Forum: Investing - Theory, News & General
Topic: why invest in stocks?
Replies: 33
Views: 3004

Re: why invest in stocks?

qwe7791 wrote:I have a few stocks that I plan to hold for 1-2 years.

I don't agree any stock is a short term thing like 1-2 years. Individual stocks also have additional risk - that might or might not come with additional return.
by rob
Wed Dec 16, 2015 12:40 am
Forum: Investing - Help with Personal Investments
Topic: How much to sell for capital loss?
Replies: 11
Views: 641

Re: How much to sell for capital loss?

Losses are offset against gains before that carry over.... so if you had other gains you could recognize to offset against the higher losses you can do that. That way you "use" more/all of the loss.
by rob
Tue Dec 15, 2015 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: 40k car + 110k stock purchase as an alternative to a 150k sports car purchase?
Replies: 29
Views: 1229

Re: 40k car + 110k stock purchase as an alternative to a 150k sports car purchase?

[*] $110k worth of shares in Yamana Gold Inc. (AUY). Roulette pays better odds and they throw decent comp at you if you throw around 100K..... You'll have a great time for a weekend and never know.... might be able to retire. More seriously.... You know this crowd is not going to agree with a singl...
by rob
Tue Dec 15, 2015 5:24 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 2344

Re: Retire at 55

The second key ingredient to this personal account is either a money market fund or a very short term, very high quality bond fund, a safe place from which you can draw funds without any tax consequences as money is needed. I have not been following closely but with the changes happening in 2016 wi...
by rob
Tue Dec 15, 2015 5:04 pm
Forum: Investing - Theory, News & General
Topic: Should I follow Jack Bogle in "I don't do International"
Replies: 90
Views: 7349

Re: Should I follow Jack Bogle in "I don't do International"

For anyone wanting info this is a good graphic based link (via PWC).

Largest 100 companies in world in 2014...
US - 53 (42 in 2009)
EUR - 15 (18 in 2009)
China - 11 (11 in 2009)
UK - 8 (9 in 2009)
Other - 1 (6 in 2009)
by rob
Mon Dec 14, 2015 8:44 pm
Forum: Investing - Theory, News & General
Topic: Should I follow Jack Bogle in "I don't do International"
Replies: 90
Views: 7349

Re: Should I follow Jack Bogle in "I don't do International"

Frankly most of the arguments against international sounds like stock picking (we can use are superior skill to pick the high returning market). This is an overlooked observation.... I understand the arguments - I really do - but cannot get past the fact proponents of US only are effectively saying...
by rob
Fri Dec 11, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: New Laptop -- Christmas present for me
Replies: 53
Views: 4605

Re: New Laptop -- Christmas present for me

I have a HP Elitebook 840 (SSD, i7) and it's a great machine so far.... Lighter than most laptops and fairly strong with the i7.
by rob
Sat Dec 05, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Speaker for Apple products
Replies: 21
Views: 1017

Re: Speaker for Apple products

Actually you can kill two birds with one stone for under $100--I use a Vizio sound bar for my tv that also easily links bluetooth to my Apple devices for streaming music. It works fine for me, even in the lower models without a separate subwoofer (best buy has a 3-internal-speaker model now by Vizi...
by rob
Sat Dec 05, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS
Replies: 49
Views: 3559

Re: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS

OP - This crowd is an ultra-high saving crowd so don't let it get to you - The whole not enough talk is not really encouraging and I think it's missing the point of where you are right now..... Bottom line is saving anything will put you in a far better position than doing nothing and far better tha...
by rob
Sat Dec 05, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Car for new teen driver?
Replies: 38
Views: 1538

Re: Car for new teen driver?

As someone in exactly the same spot who has been looking around for my teen... your old hybrid is perfect (I hate them with a passion :-) ). Low power, Uncool, decent safety features.
by rob
Fri Dec 04, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS
Replies: 49
Views: 3559

Re: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS

IRA's allows up to 5500 per year, so I would do one with Vanguard and pick a target fund that looks good to you. As to whether Roth or Trad (sounds like you could get a deduction)... worth investigating but flip a coin for 2015 as you have to open the acct in 2015 (you can contribute up to April). S...
by rob
Thu Dec 03, 2015 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30199

Re: Vanguard TurboTax - Not Available 2015?

I know I'm in the minority but I think it's great Vanguard stopped supporting a company with the ethics that has been displayed in the TT products over a decade or more.
by rob
Wed Dec 02, 2015 12:11 am
Forum: Personal Finance (Not Investing)
Topic: My estranged brother is dead, and I am next of kin
Replies: 72
Views: 14265

Re: My estranged brother is dead, and I am next of kin

I know your estranged but sorry for your loss anyway.... Just a thought and I don't know the answer but is there a way you can pull a credit report for him once you have the death cert? If so it might have a list of credit cards and outstanding loans etc. It's not the full picture but it would be a ...
by rob
Sun Nov 29, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: Giving out VIN on old car for sale?
Replies: 8
Views: 1182

Re: Giving out VIN on old car for sale?

When people put up lenses for sale, especially expensive ones, I've noticed some reluctance to give out the serial number. Any different considerations there? If you want to register for the Canon/Nikon professional programs you need a certain level of gear... the serial nbr can be used by someone ...
by rob
Sun Nov 29, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp
Replies: 28
Views: 2201

Re: MegaCorp

With 1/2 dozen years left... I would hang on... You likely would get some severance package anyway. You need to find a way to be more relaxed about the layoff cycle (I know it's hard but I spent a decade on that treadmill, so when it came it was more expected).
by rob
Sat Nov 28, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 3560

Re: Are suitcase locks worth it?

I don't see the point... Chances are they will get cut due to some pretend security (even tsa approved versions)..... Either way, a cheap suit case is easy to get into with a lock anyway.... google how to open zips :oops:
by rob
Sat Nov 28, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Cutting the cord - Netflix or Hulu?
Replies: 50
Views: 3608

Re: Cutting the cord - Netflix or Hulu?

I'm almost ready to drop Netflix.... Ever time recently I look for a specific movie it's NOT there :? It's good for older TV shows but for movies released this decade that you will want to watch it's pretty poor.
by rob
Fri Nov 27, 2015 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing from Australia
Replies: 20
Views: 1387

Re: Investing from Australia

There are so many tax pitfalls with using US domicile assets..... unless you have other hooks to the US. I would use the Oz ETF's.

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