Search found 2647 matches

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: 8
Views: 558

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: 1466

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: 1258

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: 1981

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: 799

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: 1981

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: 62
Views: 2630

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: 16
Views: 1740

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: 25
Views: 2019

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: 2391

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: 385

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: 1634

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: 572

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: 572

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: 2818

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: 3618

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: 238

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?
by rob
Sun Feb 05, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Guidance on Moving Forward
Replies: 7
Views: 689

Re: Looking for Guidance on Moving Forward

Sell the stuff and stop investing (just do any 401k until the match is reached) until you have the debt under control....
by rob
Sun Feb 05, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1516

Re: Employer requesting signing NDA

NSAI85 wrote:Nope, wouldn't get anything.. Just worried about the company not paying out my large vacation balance.

Check with the lawyer your talking to but I would expect accrued PTO would be protected in most states.....
by rob
Sun Feb 05, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1516

Re: Employer requesting signing NDA

If I was already moving to a new job... no way would I sign a new NDA - especially of you have not already signed one for this employer.
by rob
Wed Feb 01, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any reason for me to invest in taxable accounts yet?
Replies: 9
Views: 983

Re: Is there any reason for me to invest in taxable accounts yet?

I would skip #3 for now..... What's the interest rate on the student debt - it's usually 6%+ and if so I would do that as the priority before increasing your 401K. I assume your fully funding the Roth so that's great.
by rob
Tue Jan 31, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP at 5% discount, 6 months holding period
Replies: 18
Views: 1158

Re: ESPP at 5% discount, 6 months holding period

I would not use it for a 5% discount...... Does it have a look-back on the price? Some plans use the lower of the price at the end of the period or some starting date that can sometime be a fair way back in time. If it has a long look-back then maybe it's worth it.
by rob
Sun Jan 29, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4316

Re: Drivers License May not be good for air travel?

... A Global Entry card should work as TSA-approved ID for domestic plane travel, now and after they start denying most driver's licenses . That's my plan. I was denied using my Global Entry card at one airport because the "genius" (not the word I want to use) checking id was not familiar...
by rob
Sun Jan 29, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: I've been out of the market since mid December, bad time to get back in?
Replies: 10
Views: 1159

Re: I've been out of the market since mid December, bad time to get back in?

What's you other choice? Work out a plan and stick to it.... trying to guess where the market is going is a waste of time and money.
by rob
Sat Jan 28, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2555

Re: Fire extinguishers

Maybe 4-5 in various places around the house... the one is the kitchen is designed for fat fires while the others are general purpose.
by rob
Sat Jan 28, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Earmarking in Vanguard
Replies: 8
Views: 431

Re: Earmarking in Vanguard

Your not going to be able to do anything useful on the Vanguard website.... their simplistic tool only function if you have a single goal and even then are lacking. You can do some simple charts by fund if your prepared to recreate your view every time. Use excel or google sheets.
by rob
Sat Jan 28, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3314

Re: Nissan? (Cars.)

Thanks Rob. What issues if you don't mind me asking? Thanks in advance. This sounds worse than it is because they were not unreliable - just not as bullet proof as my Hondas.... Several gearbox related issues - one had to get a new gearbox. One was a broken chain in the overhead cam. One was a clut...
by rob
Sat Jan 28, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3314

Re: Nissan? (Cars.)

There is certainly preferred brand here.... waiting for the Subaru crowd soon.......

I've had a couple over the years and they have been fine.... I had more issues with them than my Honda's but that could just be sample size.
by rob
Fri Jan 27, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6353

Re: Scott Burns is Signing Off -- He'll be missed

I tried several times to read his sign off and every which time I tried it was obscured by advertizing for " the knowledge center" on two thirds, so I could not read his actual post. This probably speaks more to my limited tech abilites to read his post, but the advertizing for the knowle...
by rob
Fri Jan 27, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: What do you include in your asset allocation calculations?
Replies: 43
Views: 3346

Re: What do you include in your asset allocation calculations?

Another vote for liquid investments only..... I never do a net worth thing as I don't see much point. No direct real-estate or their mortgages, no emergency money (I think in draw-down I would but not in accumulation). I also do not include pensions - although in my case so small not to matter or es...
by rob
Fri Jan 27, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard still gets 1099-B basis wrong for non-covered mutual fund
Replies: 17
Views: 1538

Re: Vanguard still gets 1099-B basis wrong for non-covered mutual fund

I can understand Vanguard not wanting to spend resources on this, though I can also imagine such a feature's benefits. I suppose the use of the feature decreases over time though--as lots are sold. Yeah because then they would join the 20th century and do what real brokerages did decades ago and al...
by rob
Fri Jan 27, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Local Companies as an Asset Class?
Replies: 19
Views: 1265

Re: Local Companies as an Asset Class?

Sounds like nonsense to me.... and as you say not very practical unless you live near wall street or something..... Think of the old steel mill towns or the old GM plant towns and how that would have worked out.....
by rob
Fri Jan 27, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 32
Views: 2059

Re: Warning: Max out 401k early - lose some of the match

If it makes you feel any better my company decided without notice not to withhold 401k contributions on bonuses and I lost $1000 in match vs years past. When I asked about it I was told to be grateful I got a bonus and to stop causing problems. That last sentiment if really that blunt requires a po...
by rob
Fri Jan 27, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 32
Views: 2059

Re: Warning: Max out 401k early - lose some of the match

The whole thing is a mess... If I didn't know it was all HR apathy I would think the companies do this to avoid matching. My new company does a percentage on the regular and a specific dollar amount on the catch-up :? I have not figured out if the match is on both or just the regular... which is wha...
by rob
Fri Jan 27, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6353

Re: Scott Burns is Signing Off -- He'll be missed

Good for him.... seems like a nice end with an open door if he is bothered writing more.... Seems like what we all aim for no?
by rob
Mon Jan 23, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Unidirectional rebalancing?
Replies: 18
Views: 1808

Re: Unidirectional rebalancing?

I rebalance both directions. However, in 2008, with the economic system threatening to collapse, I stopped rebalancing. Lehman Bros. failed, AIG was being propped up, GM was about to die. I had enough fortitude to not sell any stocks. However, it seemed to be much too risky to buy more. I was using...
by rob
Mon Jan 23, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Have credit card payment verification numbers ever been useful?
Replies: 16
Views: 1588

Re: Have credit card payment verification numbers ever been useful?

I used to do that... only once has it been useful where the banks auto pay didn't pay a bill but once I had the confirm# from when I paid... they admitted an issue and reversed it for me and paid the fee from the store card for the missed payment. It was all of $30 or so...... but I gave up the habi...
by rob
Mon Jan 23, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 3913

Re: Is Little League Slowly Dying?

An anecdotal observation from our local area is that weekend fields are full of more soccer now days. Baseball/Teeball is still there but when we moved to this area soccer was a minor side game. Several fields have had the side diamond grassed and marked out for soccer, although they still have a co...
by rob
Mon Jan 23, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 3560

Re: 4 Months Abroad - what to do before we leave?

We have done this a few time.... - Disconnect plugs from garage doors. - Organize lawn maintenance (sprinkler system). - Obviously auto pay financial stuff and pre pay taxes and things you cannot auto. - Keep a clean credit card that you don't use until the others have been stopped due to "frau...
by rob
Sun Jan 22, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6154

Re: Upgrade button on Vanguard IRA

sport wrote:The "upgrade" change is irreversible if you do it. I will not change unless I have no choice.

Me too... I'm never clicking on it so they will eventually do it without my permission.
by rob
Sun Jan 22, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Receipt capture and sorting iOS app
Replies: 5
Views: 406

Re: Receipt capture and sorting iOS app

I've also used expensify... Nice and easy from an expense point of view... Click a picture or upload. I tend to use the app to capture receipts and then the web-site to generate the expense sheets by trip (you can use the app but I find it easier on a real laptop for the last part).
by rob
Fri Jan 20, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 45
Views: 2953

Re: When/If a degree is useful for software developers?

5)Sadly, I think it's getting harder and harder to get hired w/o the degree. Part of that is probably the auto-screening of resumes. I think this is the main thing along with the devaluation of a "degree" over the last decade..... My barista has one now. The right experience will get you ...
by rob
Thu Jan 19, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Yeah well... some reversing lessons would help... but they have the backup camera that fit onto the license plate and xmit to the phone - might be worth some investigation. Another option might be to lay some ripple strips (cheap little square ones that you would feel from the wheel) on the house si...
by rob
Sun Jan 15, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5279

Re: Flafship Reps

...In the past there were real benefits... For example, talking to a CFP on topics but that has already been cut... I've found this board more knowledgeable and astute than any Vanguard CFP. What have you gotten from their CFPs that you couldn't get here? I haven't used the CFP service. However,......
by rob
Sun Jan 15, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 7217

Re: Vanguard on finding a dead person's password

Strange for Vanguard to say it..... would that not be technically against they own terms? I also not sure how legally sound doing txn's for a dead person would be if push came to shove.

but yeah... I have the same list that others do with id/passwords etc. :D
by rob
Sun Jan 15, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5279

Re: Flafship Reps

What are they taking away? Are you losing 0.10% in Expense Ratio or something? Or free turbo tax? Or is it totally intangible? In the past there were real benefits... For example, talking to a CFP on topics but that has already been cut in an effort to juice more dollars out of people with the AUM ...
by rob
Sat Jan 14, 2017 11:30 pm
Forum: Investing - Theory, News & General
Topic: Mathematics of international asset allocation
Replies: 44
Views: 4393

Re: Mathematics of international asset allocatiion

What's wrong with the market weight..... 50/50 ish
by rob
Sat Jan 14, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5279

Re: Flafship Reps

.....you’ll have direct access to a team of Flagship representatives rather than working exclusively with your assigned representative lol - I love the implication that it's better for you while taking away something..... I would love some honesty for a change. Does seem like another step in the be...
by rob
Sat Jan 14, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5279

Re: Flafship Reps

Reference?
by rob
Thu Jan 12, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: What else can I do with my job experience
Replies: 14
Views: 1579

Re: What else can I do with my job experience

Sounds like HR type role to me..... You not figuring out the calculations right - just running them and helping the payout phase... either directly or indirectly (not sure if your talking to client directly or the company HR reps). I think there are some solid jobs in HR.....

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