Search found 2914 matches

by rob
Sat Jul 07, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2498

Re: Having first child - Life Insurance question

Run from Whole life... Term for sure. Have a think about how long and how much coverage you really need... I would suggest 2-3 policies covering different time periods... e.g. 25-30 year as a base and 10-15 year while the child is younger when it's more needed. Your employer plan might be useful to ...
by rob
Thu Jul 05, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: A few MOOC gripes
Replies: 7
Views: 1009

Re: A few MOOC gripes

Depends what your looking for but have a look at udemy or even pluralsight or lynda.
by rob
Thu Jul 05, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 730

Re: A week in Montreal in August, advice/suggestions?

Montmorency Falls is well worth a few hours not far from Quebec City.
by rob
Thu Jul 05, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 3920

Re: Anyone tilting heavy to international based on current forecasts?

I plan to aggressively make zero changes to my existing domestic/foreign tilt :D I have been 50/50 forever and it's been both a majority and minority position over the years, even on this forum. I subscribe to the stopped clock position - if I moved then I would guess wrong every time, so by been st...
by rob
Thu Jul 05, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1618

Re: Evaluating New Job Offer

The big difference for me is the technology.... As tomato says it's not easy to get back from dead-end legacy, so I would keep looking for a better alternative. The fact your looking means there is something missing in the current role - try and figure out what that is because the analysis you have ...
by rob
Wed Jul 04, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6487

Re: Walking Coast-to-Coast

Amazing... Look forward to the book - Loved this part of the FAQ....
Will you be carrying any weapons?
Yes.

After seeing Jason Bourne kill a man using a ball-point pen, I carry a similar pen on this trip.
by rob
Tue Jul 03, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4206

Re: Will I ever be able to itemize?

You don't pay 100% tax... so why are you been "screwed"? Medical expenses have a threshold anyway - is it 7.5% and above (not 100% sure on that figure).
by rob
Mon Jul 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3766

Re: Neighbor's drainage issue causing problems

In addition to trying to get it fixed on their side... I would suggest a french drain just inside your property line..... Assuming you have somewhere to drain the water.
by rob
Wed Jun 27, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16317

Re: IRS publishes draft 2018 1040 - Huge changes made

90% file electronically, they should be figuring out how to convince the remaining 10% to join the 21st century, rather than fooling around with the paper forms. The software forces me to file a PAPER return each year.... Maybe the software companies need to figure out how to catch up to this centu...
by rob
Mon Jun 25, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: The "leaving the old 401k where it is" argument
Replies: 30
Views: 3712

Re: The "leaving the old 401k where it is" argument

Some potential advantages...
- You will not find a stable fund in an IRA (at least I don't know of any).
- You might have access to lower cost funds (looks like you might given the cost of that target fund).
- There might be better protection from law-suits (may or may not be relevant).
by rob
Thu Jun 14, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 26
Views: 2283

Re: cooling upstairs floor without central AC

I grew up in a very hot and dry climate.... everyone had evaporative water coolers - basically a fan running over something wet. They are cheap and very effective if it's dry but poor if it's humid.
by rob
Tue Jun 12, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2375

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

Not going to answer the question in the title because it's neither PG rated nor fits your more detailed description :D

For your scenario... How about calling him and talking for a couple of hours... Tell him what's happening at school etc.
by rob
Mon Jun 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17414

Re: Life in retirement - what did you do today?

Yesterday, I was flying from Denver to Washington, DC. The flight departure was changed from 4:30pm to 5:11pm, then to 6pm, then to 8pm, then to an indefinite time with a strong possibility of cancellation, and finally to 9:49pm. There were over a hundred angry, agitated and nervous people. And the...
by rob
Fri Jun 08, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3956

Re: Death - Prediction

The old joke is I want to go like my grandfather quietly in his sleep - not like the passengers in his cars screaming for their lives as they ran off the road :D I dunno.... It's about quality of life for me - and I suspect most people. I hope to live no longer than I'm aware of my own life with a r...
by rob
Thu Jun 07, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 9064

Re: Indexing will fail investors in next decade

I do think there will eventually be conflicts partially based on water but as an investment strategy... yeah :oops: As to the indexing - where does he expect stocks to hide so they are not in the broad indexes?
by rob
Mon Jun 04, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3877

Re: Can a physician work in tech while practicing as well?

The issue is that both are professions that require vast amounts of on the job learning - the paper stuff is a starting point. Despite what the "internet" thinks the mechanics of getting a language to do something is not a professional programmer make. There are some overlaps in the analytics worlds...
by rob
Sun Jun 03, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4350

Re: Travel advice for an engineer

lthenderson wrote:
Sat Jun 02, 2018 10:27 am
10 International Space Station
LOL - Well that's going to stop people ticking off everything on your list :-)
by rob
Sun Jun 03, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 23
Views: 2237

Re: Vanguard platform

Why stay with 19th century stuff, jump to the 21st century and join the FUN. Your money, your portfolio, your decision. Gracias por leer / cfs I agree... which is why I an NOT moving until they make me.... I have one acct in the new and wish I'd never done that - they convinced me my issues would b...
by rob
Fri Jun 01, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1752

Re: Microsoft Edge versus Chrome

brokendirtdart wrote:
Fri Jun 01, 2018 9:42 pm
IE is just something that usually works with certificates for me.
If you have not tried.. There is a chrome extension called IE Tab that I have had decent luck with for ye-oldie websites.
by rob
Fri Jun 01, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1752

Re: Microsoft Edge versus Chrome

Chrome is better but your leaking more info to google.... You could try firefox also. It's more of a preference than anything.
by rob
Fri Jun 01, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4350

Re: Travel advice for an engineer

Limiting to personal experience where they made me pause and say... wow.... * Sun/Moon pyramids near Mexico city. * Opera House & Harbour bridge in Sydney. * Yorkminister in York. * Colosseum & St Peter's in Rome - I know they are a tourist trap. * British Museum & Shad in London. * Eiffel tower in ...
by rob
Fri Jun 01, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16721

Re: Top Shelf Liquor Overrated?

I've always found some challenges to exploring this question: 1. How much side-by-side testing can you do? Let's say I want to decide which tequila I like the best. I buy four bottles and compare them. Now I have more than a half-gallon of tequila, which will last some time. One can go to a bar tha...
by rob
Fri Jun 01, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16721

Re: Top Shelf Liquor Overrated?

I could never tell the difference between Vodka. Scotch I have some fav's but that is more likely style/type over price specifically.... I don't drink a lot of spirits, so likely it's just a few that I like and tripped over early on - if you drink with coke or something I have no doubt brand is irre...
by rob
Thu May 31, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 2978

Re: Roommate in a house?

I'm lost on a number of posts above that say there is no income?? Whether flatmate pays bills instead of (or partially) rent or cash in little brown bags, does not change the fact there is income. That income should be reported.
by rob
Sat May 26, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Misuse of the word "technology" in finance
Replies: 19
Views: 1258

Re: Misuse of the word "technology" in finance

jalbert wrote:
Sat May 26, 2018 6:36 pm
Fidelity had a website for 401K administration but nobody would call them a tech company on account of it.
I work at a similar company that - like most - is trying to pass itself off as a "fintech" company... better stock multiples that way :oops:
by rob
Fri May 11, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Time Span Between Job Changes
Replies: 16
Views: 1472

Re: Time Span Between Job Changes

I would not care about a few months if it was in context of longer roles - I know this is more common now but I really have issues with strings of 9-12 month roles (Edit: Unless it was in the context of short-term contract roles).
by rob
Wed May 09, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1474

Re: Family Vacation in Late Feb

Texas? Bit off the usual tourist path from above and warm with stuff the kido's would like.
by rob
Mon Apr 23, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30480

Re: How old are you and how much do you save for retirement a year

Things get out of control quickly on this group for this type of question. Just saving something puts you ahead of most. We've not maxed retirement options every year, some good years we have, most we have not. Do what you can and avoid compares to different people - especially here - is the right a...
by rob
Sun Apr 22, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5861

Re: How long have you been unemployed?

Unemployed - about 7 weeks over 30 something years; mostly between contracts.
Deliberate non-working - 18 months.
by rob
Sat Apr 14, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 7172

Re: vanguard notice - retiring our old investment platform

I expect Vanguard to provide less support to the old platform as time goes by. This may make it more difficult to transact with the old platform. That alone will probably make the stragglers convert. I don't understand the hesitance on some folks to convert. Not hesitance, observing requirement NOT...
by rob
Fri Apr 13, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 7172

Re: vanguard notice - retiring our old investment platform

HueyLD wrote:
Fri Apr 13, 2018 3:08 pm
I told my rep that I would be the last client to convert and she chuckled.
lol - I told mine that I would be right behind the last "guy" on the list... So I guess I'm after you :D
by rob
Thu Apr 05, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 118
Views: 17724

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

warowits wrote:
Tue Jul 19, 2016 12:43 am
Bill Bernstein wrote: I.e., we can't save our way out of this problem.
Not as a nation, but individually I mean to give it a try. :D
You don't have to outrun the bear... just at least one other person 8-)
by rob
Tue Apr 03, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor fees? Am I paying too much?
Replies: 54
Views: 4647

Re: Financial Advisor fees? Am I paying too much?

"Advisor" charges 1.55% but you have to add in whatever the funds charge.... Chances are the funds fees are not on the low end. I cringe at a fund that costs 0.5% with zero advisor fees. Project out the future value of you money with the current fees against vanguard averages around 0.2%... The diff...
by rob
Sun Mar 25, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for travel???
Replies: 12
Views: 1532

Re: Employer reimbursement for travel???

I have the corp travel people call and figure it out.... sometime I have to pay a fee and other times I don't... I then expense it.
by rob
Tue Mar 20, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Is a Model Release normal for wedding videography?
Replies: 28
Views: 2322

Re: Is a Model Release normal for wedding videography?

I just do not understand why, when we are paying for this, we do not get it all. Also, it bothers me that what we are to receive, meaning the length of the video, is too subjective and not quantified. What if I get just 10 minutes of video from the wedding and 10 from the reception? Thanks again! T...
by rob
Tue Mar 20, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 4026

Re: Home equity as part of retirement plan

I have thought about this question.... The unknown to me is where the kids end up. It's possible they will stay in a VHCOL area (we are in VHCOL area) in which case we will swap from house to condo or high rise. At this point, I'm planning on not counting it with the hope we can release some of it.
by rob
Tue Mar 20, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Is a Model Release normal for wedding videography?
Replies: 28
Views: 2322

Re: Is a Model Release normal for wedding videography?

It's probably just so they can use for blogs or advertising on their web-site but that one is far too wide.....
by rob
Sat Mar 17, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 7010

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

H&R is fine... I only used TT until they installed the root kit some years ago.... Cannot be trusted.
by rob
Sat Mar 10, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Best Bluetooth speaker Phone
Replies: 16
Views: 1486

Re: Best Bluetooth speaker Phone

Without doubt - Jabra Speak 510 Wireless Bluetooth Speaker
by rob
Thu Mar 08, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 21773

Re: Why International again?

If your a total market person then "Why International" is the wrong question.... What do you know that the market does not? - the market has set that ratio already.

If your not a total market person then the answer is Japan.
by rob
Fri Mar 02, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7794

Re: AAPL, AMZN, or GOOG?

To the naysayers who cite Enron, Nortel, etc., no offense but you are out of your mind if you think they are comparable. Virtually everyone in north america, inclusing you, use Amazon, Google, Facebook, Apple, Netflix, etc. If you don't, there is at most one degree of separation to someone you know...
by rob
Thu Mar 01, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 5048

Re: Walking shoes for plantar faciatis?

For me.... Doc Martin boots - with insert - have been great.
by rob
Tue Feb 27, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1302

Re: Thoughts on an ESPP with 2 year contribution period?

The 2 year look back is valuable..... Even if you contribute a minimum to give you options in a couple of years to increase it using the older price.
by rob
Tue Feb 27, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7794

Re: AAPL, AMZN, or GOOG?

I'll go Worldcom, Lehman and Washington Mutual.....
by rob
Sun Feb 25, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 5031

Re: Side Hustle: Hourly financial planning

How do you plan to get clients? Without the network of "clients" from the company with it's national advertising, brand recognition etc, I can see it been a hard road.
by rob
Sat Feb 24, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 43
Views: 2357

Re: manual typewriters?

nisiprius wrote:
Sat Feb 24, 2018 6:45 pm
Oh, if what you want is cool... you just can't beat a Blickensderfer.
Oh that is just great... but what's funny... If you hit ebay someone is selling a stack of individual keys... $10 per letter :shock: I guess it's more valuable selling in pieces.....
by rob
Sat Feb 24, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 43
Views: 2357

Re: manual typewriters?

I think you should go for a cool one.... She is not really going to USE it right.... Just a novelty sort of deal. If you want to use it get those golfball type.....
by rob
Wed Feb 21, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 2620

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

For 5% I would not touch it..... Too much risk of loss for a small discount. I have used ESPP heavily in the past... but at a FAR greater discount with a trailing price. As long as OP remembers to sell ASAP there is essentially no risk of loss (yes the stock could open the next day >5% down from th...