Search found 2703 matches

by rob
Tue Apr 18, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 34
Views: 3276

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: 54
Views: 4674

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: 7445

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: 462

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: 462

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: 4356

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: 7
Views: 1025

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: 1904

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: 1684

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: 2043

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: 1688

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: 2382

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: 2043

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: 92
Views: 5997

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: 867

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: 143
Views: 7943

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: 5393

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: 4362

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: 1877

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: 186
Views: 24477

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: 143
Views: 7943

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: 415

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: 95
Views: 7526

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: 3296

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: 11340

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: 773

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: 773

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: 4105

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: 2853

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: 2853

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: 1403

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: 1403

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: 27
Views: 2194

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: 1450

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: 6225

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: 924

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: 1012

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: 4438

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: 6225

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: 4375

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: 384

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: 693

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: 693

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: 7985

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: 3853

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: 570

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: 1489

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: 4030

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: 11411

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

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