Search found 2723 matches

by rob
Mon May 22, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 8543

Re: Net worth is overrated

I am more interested in how much income I can generate in retirement and what my projected expenses are than in net worth. This is it for me... I don't care about the traditional version of "net worth" (never calc that one) but I care about investment accumulation set aside for retirement...
by rob
Sat May 20, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: What do you think about this asset allocation?
Replies: 12
Views: 930

Re: What do you think about this asset allocation?

I have never bought the age thing..... Depends on need (savings vs. est expenses in retirement) and risk tolerance....
by rob
Thu May 18, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401k excess contribution/highly compensated employee
Replies: 17
Views: 964

Re: 401k excess contribution/highly compensated employee

Yeah it sucks.... and it's nothing to do with actual highly compensated employees.... My last few companies have limited the percentage.... so the really highly paid employee don't care as they can reach the IRS max with a reduced percentage. The whole thing is just broken and need to be fixed but i...
by rob
Wed May 17, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5545

Re: Convince me to get back into stocks!

What if the market goes up 25% before it experiences a 15% drop? That would be fine. All I want is for it to drop by 15 percent so i cam buy. lol... Sure... Might want to do some math on that :D Assuming it's not a troll... Stay OUT of the market - read - build a plan - invest as per that plan - go...
by rob
Sun May 14, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3408

Re: Switxh from iPhone to Google Fi and Pixel?

I have had Fi for a bit over a year with a Nexus.... - Love it; I rarely use data due to available WiFi. - Call quality is good and seamlessly switches providers. - I've used it outside the US with no issues. - You don't have to use the fingerprint reader on back - use a pattern on front OR finger p...
by rob
Fri May 12, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4072

Re: Best cities for older tech workers?

....but quick searches in those cities on Indeed returned significantly fewer job postings, which concerns me...... You only need 1 job listing :-) Raleigh is probably the best on your list.... The state has been aggressive on the bribes... sorry incentives to get companies into the research triang...
by rob
Fri May 12, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 1574

Re: Goofy idea - moving 401k to money market each weekend

Likely limits on nbr of txn... but even so the price change by EOD Monday (best case) of you buy back in will dwarf any interest.
by rob
Sun May 07, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Uses of Debt
Replies: 21
Views: 2217

Re: Uses of Debt

...why not use debt as an emergency source of funds, to avoid paying the opportunity cost of a 3-6 month insurance policy? The issue with something like a HELOC is that it might get removed in the case of something like a financial crisis or hitting a job loss (which can correlate with financial cr...
by rob
Sat May 06, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1298

Re: sump pump issue

A Zoller is a great brand... Keep in mind that a sump pump is not running that much in a lot of cases. I would replace the check valve and buy another pump and leave in the box in the basement - I would suggest one that has a battery back-up so it works for a while with no electricity. I would also ...
by rob
Sat May 06, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2687

Re: 401k administrator requiring net worth

djpeteski wrote:
Of course, the current administrator has recently been forced to pay $10 million in fines for shady dealings in retirement accounts:


So the solution for shady dealings in retirement accounts is to ask you personal information?!?!? :oops:

Bet it make marketing easier with that type of data :D
by rob
Sat May 06, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3061

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I don't see the point of student loans and dropping 401K contributions you miss out on the match. I think a HELOC is the obvious answer..... Cut expenses as much as possible and try to keep the HELOC as low as possible (it can cover emergency sans loss of your job, so you can lower that). There is s...
by rob
Sat May 06, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Anyone following the latest in Bitcoin and cryptocurrency news?
Replies: 10
Views: 1794

Re: Anyone following the latest in Bitcoin and cryptocurrency news?

There has to be a cyber currency in the future... I suspect the days of nationalist currencies will reduce in popularity for online and maybe cross border transactions (baring some legislation). Now which one is like picking the surviving railway company - it may or may not yet exist and it may or m...
by rob
Sat May 06, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3053

Re: How to get out of a apartment renter lease? They want $3,600

Gill wrote:Does it really matter where it comes from? The landlord could call it two month's rent, pay me $3,600 and I'll return your security deposit.

While it sounds silly... In some places it does. There are rules on security deposits in some locations.
by rob
Sat May 06, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7214

Re: Stay home with kids?

I'll answer this way.... Mid 30's, barely started work and almost SEVEN MILLION dollars - When you have won the game why keep playing? What's the long term plan here? Make it to 20M, 25M?
by rob
Tue May 02, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Minimalist May
Replies: 21
Views: 2050

Re: Minimalist May

Check for local hangouts/meetups.... I have found a few on areas of my interest that are free.
by rob
Tue May 02, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2687

Re: 401k administrator requiring net worth

Ya know... Your right on not giving this but think of the bigger picture here..... Do you really want to start pushing back on the employer for something this minor?

Make up some numbers that are not obviously a lie and move on.
by rob
Tue May 02, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17882

Re: Where to Live on $60K or Less a Year?

How about Albuquerque NM? I've been looking at it as a potential retirement location.... I'd be interested in your summaries of the list you already have....
by rob
Sun Apr 30, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 3855

Re: Why I'm tempted to fix things myself; it's not about the money

Generally I'm willing to outsource this work because it is more cost effective for me to work and then pay others. But the professional standards or lack thereof of these businesses is so poor it makes me crazy. It makes me want to do the work myself. Yes I hear ya.... I've recently had a dishwashe...
by rob
Fri Apr 28, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9620

Re: Vanguard has switched to brokerage only accounts

The conversion is a great concern of mine. My employer will not allows me to hold brokerage accounts with outside firms. If Vanguard tried to do this I would have to close all accounts and transfer the assets away. If Vanguard forces this on me it would be a major negative event in my life. This is...
by rob
Sun Apr 23, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3321

Re: how much house can we afford? Boston area.

Your obviously not going to get into great areas close to the city but there are a lot of options near computer rails further out. 2 x salary is not workable.... so your going to have to decide what sort of rick you want to take. I agree IT has been on a roll recently....
by rob
Tue Apr 18, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 4078

Re: Weight loss and investing

If only weight loss was as easy as investing..... :shock:
by rob
Tue Apr 18, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5384

Re: How to make best use of lunch with the company president/CEO?

Despite what others have said, I do these for several reasons. One, I want people through the organization to hear the message clearly from me. The strategy and key tactics need to be well understood and I expect questions around those topics. It also gives me a chance to meet with people I just wo...
by rob
Tue Apr 18, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8105

Re: Mens Blue Jeans - What are we buying now?!

I used to be 501's only (34" length) but they er... don't flatter my recent figure (other way around) :? I've found the Lee Premium work a lot better now days. I sure miss the button fly :(
by rob
Mon Apr 17, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options - "Core Four"
Replies: 6
Views: 584

Re: 401k Options - "Core Four"

Thanks. I've already dropped the target fund from my IRA and hope to do the same here. I did a little reading about the different "approaches" towards multiple accounts and settled on trying the mirrored approach. It's a touch easier to interpret/allocate since I can treat them all as if ...
by rob
Mon Apr 17, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options - "Core Four"
Replies: 6
Views: 584

Re: 401k Options - "Core Four"

All but the last look good to me.... I'm not sure why your treating the IRA & 401K as different things - they are the same investment objective, so should be considered together. You have a bucket for retirement that happen to live over several accounts - join the club; between my spouse & I...
by rob
Mon Apr 17, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4735

Re: Investors backing off their equity AA primarily due to 8-year bull market?

I'm guilty of that.... I shifted 2.5% to my bonds when I was rebalancing in the new year (now 32.5%).... It was about 5 years since I last changed stock/bond mix and just felt like time and the market seemed much higher 8-) .... I figure I will do a similar market timing move 3 more times before 203...
by rob
Sun Apr 16, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Flying to Asia and electronics ban
Replies: 9
Views: 1445

Re: Flying to Asia and electronics ban

How about Dubai to Canada then a puddle jump to the US on a non affected airline..... I think it's only a few CAN bound flights that terminate in the US affected by this nonsense. Take a pelican in your check in bag in case.
by rob
Fri Apr 14, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 2071

Re: Washer/dryer suggestions?

Consumer Reports says: Maytag Maxima MHW5500FW washing machine for $900 (Lowe's, Home Depot, Sears, Best Buy) It has a matching dryer. You will probably want the [never on sale] XHP1000XW 10" Laundry Pedestal - White for $200 lol The worst of both worlds... We have had NOTHING but issues with ...
by rob
Thu Apr 13, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1838

Re: Working without an office - Strategy

I'm lost... so library/starbucks is fine but not home..... How would they know? Not trying to sneak around just curious how one is fine and not the other.... Is it just political that they don't want you to say it's home?
by rob
Thu Apr 13, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2205

Re: Trip Ideas - San Francisco & Northern CA

Thank you all for all the options... really appreciated.... I'm kinda NOW torn on north vs. south after some quick investigation of the options above, so thanks a lot for causing a problem I didn't have to start with :D I need to stop this working for a living thing... it just takes up too much damn...
by rob
Tue Apr 11, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1810

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

The roth is a use it or lose it proposition (you don't get to use it future years).... I would do the roth from what you describe.
by rob
Sun Apr 09, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2487

Re: "We're changing how we report costs. You still benefit."

I find it refreshing Vanguard is wasting effort on this stuff rather then say... fixing the web-site to bring it into the 21st century :oops:
by rob
Sun Apr 09, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2205

Trip Ideas - San Francisco & Northern CA

Sorry for the travel question but I've seen some great suggestions from this group in the past...... So Bogleheads.... What suggestions do you have? Things you loved? Things you hated? Background... - 10 Days (would consider a couple extra days). - 5 days in SF and 5 days to see red woods, beaches, ...
by rob
Wed Apr 05, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 6985

Re: Career advice in IT

YoungJediInvestor wrote:Maybe my company is unique then, where the CIO is looking to insource everything. We have a new "internal cloud", but everything is managed by internal IT people

Unique might be the correct word in this case..... It's certainly unusual based on my experience of large companies.
by rob
Mon Apr 03, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Fidelity Brokerage [without using it]
Replies: 6
Views: 923

Re: Opening a Fidelity Brokerage [without using it]

Why? What benefit do you see to an empty account?
by rob
Fri Mar 31, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11017

Re: Planning to Die

You have to plan with something and I just don't see the point of planning with 100 or anything close. In the long-run we are all dead. I picked 80 for both spouse and I - I don't think either of us will get to that age. I once felt the same but I am VERY glad that I planned to live longer. Best wi...
by rob
Fri Mar 31, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 5899

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

Why not just buy an Amazon gift card and then use over time to order what you want more slowly..... If it was "illegal" there would be something in place to stop it :D
by rob
Thu Mar 30, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4515

Re: Is the secret to getting wealthy...

There's a famously frugal guy in the Midwest who lives in the same house he bought in the fifties. He's still frugal, despite becoming a billionaire and trading the title of "Richest man in the US" with Bill Gates a few times. I see his holiday place sold recently.... This one seems a lit...
by rob
Thu Mar 30, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Is there any difference between a Rollover IRA and a Traditional IRA?
Replies: 21
Views: 2012

Re: Is there any difference between a Rollover IRA and a Traditional IRA?

More than that I'm wondering why you would WANT to roll your IRA to a future employer's account. Higher fees, less options, what am I missing? My last two employers have had far better plans that available to me at Vanguard - Lower fees due to either private investment pools or access to institutio...
by rob
Thu Mar 30, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 187
Views: 25906

Re: John Bogle on international

Wow this topic is a frequently recurring one. I wonder if it is because people feel conflicted between faith in Mr. Bogle's opinions and what a variety of others, including Vanguard, assert, and want reassurance for their chosen path? Interesting thought... maybe. IMO I'm not because I believe Jack...
by rob
Wed Mar 29, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11017

Re: When do you plan to die?

This seems like a rather morbid topic... I turn 50 in a few months. I feel entitled. :wink: You and me both... "bonus" is we can make catchup contributions this year :( You have to plan with something and I just don't see the point of planning with 100 or anything close. In the long-run w...
by rob
Tue Mar 28, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Job change - ESPP Hold Period Requirement
Replies: 6
Views: 455

Re: Job change - ESPP Hold Period Requirement

Is the purchase price the start of the round or a dragging date based on when you enroll in the ESPP. I have had both types.... The dragging period can be valuable as you can buy at a price long ago. I would do it based on your criteria but only you can determine if you want that additional risk.
by rob
Mon Mar 27, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 8941

Re: Best take it everywhere camera

iPhone works but seems your looking for something better.... Have a look at the Fuji X100 (whatever version they are on now).
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: 48
Views: 3512

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: 111
Views: 11939

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: 841

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: 841

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: 62
Views: 4346

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: 47
Views: 3264

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: 47
Views: 3264

Re: Honda Transmission Service

I have them drain & fill rather than flush......

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