Search found 2680 matches

by rob
Mon Mar 27, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 11
Views: 469

Re: Boston apartment hunting advice/can I afford a studio?

If you have to have the car what about a reverse garage storage... So find a garage like Alewife or alike - depending where you need to drive for work - that is easy to get to on the T and use it opposite to the commuting crowd :D. Also some local garages will have better rates for overnight/weekend...
by rob
Mon Mar 27, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 18
Views: 518

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

Yeah... open your email program, type in the email address... Then hit the blacklist/block button. Done 8-)
by rob
Mon Mar 27, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Computer for Digital Darkroom.
Replies: 13
Views: 598

Re: Computer for Digital Darkroom.

<snip>I get a great amount of pleasure viewing photos of our trips and want to do a lot of large metal prints to decorate the walls.<snip> This will sound corny based on my last reply but I found it a great way to stumble over older images of the kids & some travel we have done with them... I g...
by rob
Sun Mar 26, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Computer for Digital Darkroom.
Replies: 13
Views: 598

Re: Computer for Digital Darkroom.

I built mine a few years ago and it's still going strong..... Most of these I would do again, although upscale for recent changes... - Strong i7 processor (I used 4770K but newer processors now) - slightly overclocked, so I'm always just over 4Ghz. - 2 x SSD - One for os and one for the LR/PS cache....
by rob
Sun Mar 26, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 40
Views: 1889

Re: Our technology is old...advice on upgrading...

By not buying IPhone, Ipads, or the like at all. ;) Agree... Don't buy from a vendor that deliberately stops "old" hardware from upgrading. I have some iStuff stuck at older software versions... some apps no longer work... some new apps refuse to install... It's a mess unless your driving...
by rob
Thu Mar 23, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2442

Re: Honda Transmission Service

I just do it on schedule.... It's a 05 minivan... trans is still smooth...
by rob
Thu Mar 23, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2442

Re: Honda Transmission Service

I have them drain & fill rather than flush......
by rob
Mon Mar 20, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Fee - Time to move assets!
Replies: 6
Views: 1380

Re: Vanguard Annual Fee - Time to move assets!

Hopefully your new employer has good fund choices. If so, like me, it's a good problem to have! Soon that $50 will be a distant memory and you'll sleep soundly the next time it comes out. I know it's trivial but just my great timing :D . Yeah, Institutional Vanguard funds with some other stuff I do...
by rob
Mon Mar 20, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Fee - Time to move assets!
Replies: 6
Views: 1380

Re: Vanguard Annual Fee - Time to move assets!

You got out light.... I just had a $50 fee hit on my new employer 401K..... That was 30% of my balance :shock:

It's just the timing..... There is an annual record keeping fee.... and it hit just after my first partial contribution :D
by rob
Mon Mar 20, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 25
Views: 1860

Re: Salary / employment verification

If you want to take the risk... go with I'm contractually prohibited from disclosing this information to non-HR parties.
by rob
Mon Mar 20, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Smart Will (or how to avoid a legal morass)
Replies: 21
Views: 1356

Re: Smart Will (or how to avoid a legal morass)

Could this be a good case for a no-contest provision.... If the charity (or any beneficiary really) has something already they might not want to risk losing that on the chance they could get more. I know they are limited by some states and can be nasty but just a thought.
by rob
Mon Mar 20, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 5928

Re: Endless Job Interviews (with same company)

Actually, it's exactly indicative of the hiring manager as well as the "stakeholders" involved in the hiring process. I've been on the hiring side of this banging my head on red tape mostly from HR but also from higher up wanabees - it's not always the hiring manager or the team they woul...
by rob
Sun Mar 19, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 887

Re: Selling mutual funds in a ROTH

You can buy & sell as you like (subject to Vanguards time locks on re-buying after a sale.. 30 or 60 day I forget).... An IRA has no tax capital gains, and there is no need to wait for further contributions.
by rob
Sun Mar 19, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Career Dilemma - Seeking Input
Replies: 7
Views: 964

Re: Career Dilemma - Seeking Input

While I agree with most of the above... now is the time to make a change if you want to go that route..... If you have kids or get older when jobs are harder to find, there are less chances to make larger changes.... In hind sight, I had a pretty stable/non-objectionable job for a while and having t...
by rob
Fri Mar 17, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4110

Re: Looking for a snazzy car

I'm not going to suggest anything too radical - your used to a Honda after all :D

How about a Hyundai Genesis Coupe... Way way more fun then it appears.... looks decent without looking like a sports car. Otherwise I agree with a Mazda - they are great little cars.
by rob
Fri Mar 17, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 5928

Re: Endless Job Interviews (with same company)

Lots of companies are like this. You basically have to go along with it with a big fat smile on your face. The only time you have actual leverage is when they move to an offer. And when you have leverage, use it. Companies that have horribly long and inefficient hiring practices also suffer from th...
by rob
Fri Mar 17, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4144

Re: Collection Agency - Are you kidding?

Do not pay anything
Do not deal with them... if you want play with the orig company
by rob
Wed Mar 15, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: HELP! 110K taxable account
Replies: 2
Views: 370

Re: HELP! 110K taxable account

You need to think in terms of goals not accounts - if this "taxable" stuff is meant to provide for retirement then it needs to be included with whatever plan you came up with there. If for a house in x years, then the plan would be different. If it's for a Vegas trip next week.. well :D Yo...
by rob
Wed Mar 15, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cool Budget Tool
Replies: 6
Views: 663

Re: Cool Budget Tool

jasc15 wrote:Yeah, after seeing this thread I searched and found google sheets Sankey chart add-on. Doesn't look like the OP, though

http://sankeymatic.com/gallery/ - Maybe?
by rob
Wed Mar 15, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cool Budget Tool
Replies: 6
Views: 663

Re: Cool Budget Tool

jasc15 wrote:May I ask what software you used to generate this? Excel doesn't have such a tool.

Google charts can do them.... not sure what was used in the image above.

Very cool way to visualize.....
by rob
Tue Mar 14, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7442

Re: Do you avoid international investing like Jack Bogle?

I invest in international funds in part because I don't want my investment returns to be restricted by home country bias. But, it's not really "country bias" if, as Bogle puts it, "we know that we have the most innovative economy, the most productive economy, the most technologically...
by rob
Mon Mar 13, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 3767

Re: Don't let your political views impact your investment strategy

I find this funny in a way... It never occurred to me to change anything in my investment plan based on the election. Maybe it just shows how little I think of politics or maybe I have figured out how to separate investments from current events. Good topic as a reminder though....
by rob
Thu Mar 09, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-Advantaged Retirement Account for Spouse Without 401K
Replies: 6
Views: 485

Re: Tax-Advantaged Retirement Account for Spouse Without 401K

Unfortunately you cannot double up... Your limited to 18K (or 24K when your older). You can each do Roth IRA's. You can technically both do a Trad IRA but you would be over the deductible limit, so given both are post tax, the Roth is the better option. You can also have tax efficient funds in a reg...
by rob
Tue Mar 07, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 1404

Re: Any Car experts - Honda Odyssey question

For a NEW car I would change more frequently for the first 20K miles or so.... After that depends on driving but keeping with the rough schedule is a good idea.
by rob
Sun Mar 05, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 52
Views: 3905

Re: Net worth milestone reached: $100,000!

What a great story of fighting your way up..... It's all about the base hits not the home runs.... and the gumption which you clearly have!
by rob
Sun Mar 05, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 54
Views: 10480

Re: Schwab vs Vanguard

Opening a chat session at Schwab will convince you their customer service is far superior by question two..... but the low cost index funds are a loss leader.... Other customers are paying for the great service :D
by rob
Sun Mar 05, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 71
Views: 9035

Re: Just laid off - what to do

Biggest expense will be Cobra - $1700 per month. You should at least look at ACA coverage and compare it to COBRA. I paid for COBRA for 18 months and then switched to ACA coverage when it expired and wish that I had signed up for ACA right off the bat as it has been significantly less expensive. If...
by rob
Sun Mar 05, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: London (UK) Recommendations – Theater, Comedy, Tea, Activities
Replies: 8
Views: 624

Re: London (UK) Recommendations – Theater, Comedy, Tea, Activities

Regent park should be nice in April Ferry down to Hampton Court (check it's running but I think they have started by April) Ferry to Greenwich is good - you can take the footbridge under the river as well as the tourist stop at the observatory London Dungeon is cool... on the tourist path though Do ...
by rob
Sat Mar 04, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Older car getting dents and dings :(
Replies: 26
Views: 2136

Re: Older car getting dents and dings :(

A good cut and polish will do wonders..... be thankful... we had parking dints from a week after getting a new car.
by rob
Sat Mar 04, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: senior sw engineer pay in boston area.How does mine stack up?
Replies: 16
Views: 2673

Re: senior sw engineer pay in boston area.How does mine stack up?

For a developer role... that's pretty strong.
by rob
Sun Feb 26, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Splice investing
Replies: 5
Views: 390

Re: Splice investing

Keep in mind that taxable is better if you don't start and sell later (you would realize tax at that point).... tax-deferred that's a great option.
by rob
Sun Feb 26, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Splice investing
Replies: 5
Views: 390

Re: Splice investing

If any allocation is <5% it's almost irrelevant on the whole portfolio anyway. Start with US large and add as you believe is sensible until you build up more funds. IMO the stock to bond ratio is the most important, then it gets more subjective and many will have different views.
by rob
Sat Feb 25, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to immediately sell vested RSUs due to possible stat arb?
Replies: 10
Views: 805

Re: Bad to immediately sell vested RSUs due to possible stat arb?

RSU's are easy; If the company gave you the cash would you buy the stock? If yes then keep the shares but otherwise sell immediately. Unlike options, there is no tax benefit to holding.
by rob
Thu Feb 23, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Hotel Reservations
Replies: 18
Views: 1601

Re: Hotel Reservations

We do a bit of a mix... so will prebuy non refundable in cases where we have to be at that location for other reasons... sometime do the book refundable and redo close or just do last minute on the day or two before if we have some flexibility. Pre internet days we did it a similar way.... you just ...
by rob
Wed Feb 22, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1366

Re: How to help a friendly business with office space?

Why get into that.... Maybe a bond or small equity portion for paying for something like wework in their location.... They get cool space with other startup's and you fund that via a loan/bond or an equity share.
by rob
Sun Feb 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: I think some criticisim of active management is wrong.
Replies: 22
Views: 2069

Re: I think some criticisim of active management is wrong.

We can all have options but not facts.... study after study shows that managers do not add value after fees in any predictable manner. Curious. Might this also apply to the Wellesley Income Fund and Wellington Fund? j As a strategy - Yes. There will always be funds that out-perform - that can be id...
by rob
Sun Feb 19, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is working to improve service
Replies: 7
Views: 850

Re: Vanguard is working to improve service

Good organizations become aware of their problems and endeavor to solve them. I would say be patient with Vanguard and give them a chance to iron all of this out. I'm still hoping they will fix the issues that have been on the website for years.... Clearly it's not a priority.... Maybe by the time ...
by rob
Sun Feb 19, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: I think some criticisim of active management is wrong.
Replies: 22
Views: 2069

Re: I think some criticisim of active management is wrong.

We can all have options but not facts.... study after study shows that managers do not add value after fees in any predictable manner.
by rob
Sun Feb 19, 2017 11:47 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3383

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Very cool.... From my join date looks like I was in early on (after the semi-secret launch :-) ), so collectively you guys and gals have made a huge difference in my finances.... Thank you one and all, those present and lost!
by rob
Sun Feb 19, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2640

Re: Re-applying for same job?

I think moving on is the best plan... why are you so interested in going back?
by rob
Sun Feb 19, 2017 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 26
Views: 2367

Re: Missing my Microsoft Money - any equivalents?

I don't know if it would install on Windows 10...that's why I haven't gone there. My Money 2002 works fine on windows 10 BUT the old excel export functions (it was a separate install not the export in money itself) I could not get going. Since I relied on that for my excel stuff, I stopped using mo...
by rob
Sat Feb 18, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2491

Re: New car for wife and what to do with old car

I would do a Mazda CX5 if your not wanting a minivan..... Far better than CRV IMO.
by rob
Mon Feb 13, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Confused on Roth 401k
Replies: 4
Views: 439

Re: Confused on Roth 401k

No... Employee contribution is 18K + 6K catchup across BOTH Roth401K or PreTax 401K.
by rob
Mon Feb 13, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 1945

Re: New cars with turbo-4 engines -- good idea to buy?

I recently test drove a VW Jetta and I guess you either love or hate little turbos like this..... Lots of acceleration with a short curve.... but I find them too rough to drive. Turbos in the past have been bad news mostly....
by rob
Sun Feb 12, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can my wife and I contribute to our T-IRA?
Replies: 13
Views: 632

Re: Can my wife and I contribute to our T-IRA?

At that income level I would just fund a non-deductible IRA anyway. Use the 11K - 13K each year for part of your bond allocation. It will save a little on needing muni bonds. Obviously taxable is going to be the main savings vehicle... try and make that tax efficient funds... as much as possible to ...
by rob
Sun Feb 12, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Can my wife and I contribute to our T-IRA?
Replies: 13
Views: 632

Re: Can my wife and I contribute to our T-IRA?

Assuming you file jointly... Both can contribute to a Trad IRA.... whether it's tax deductible depends on income. Both might be able to do a Roth IRA instead again depending on income. Does not matter who earns the income.....
by rob
Sun Feb 12, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage is paid off, now what?
Replies: 28
Views: 2902

Re: Mortgage is paid off, now what?

Make sure you account for stuff that is usually paid for with the mortgage... Real estate taxes, maybe home insurance. I agree with saving the mortgage itself now but slice off a money sink so you can pay taxes etc.
by rob
Thu Feb 09, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: Why don't stock prices go up on payday?
Replies: 43
Views: 3655

Re: Why don't stock prices go up on payday?

Seems it always jumps when my pays get deposited :? ... but yeah My pays are also set to dates not days... sometimes mid week. Plus there is some delay on the deposit.
by rob
Wed Feb 08, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Alternative
Replies: 2
Views: 256

Re: 401K Alternative

- The max sum of your IRA's is 5500 (6500 if 50 this year).
- Sounds like she is employee, so no real options apart from taxable (or the rare 403b for some quasi gov jobs).
- Why do you think the 401K costs the employer nothing?

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