Search found 109 matches

by tooluser
Sun Jun 18, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 57181

Re: Bank of America/Merrill Edge - Preferred Rewards

Any idea whether/when the Merrill Edge signup bonus will increase to $1000 as it has done in the past? Is there a historical time frame?
by tooluser
Sun Jun 18, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1060

Re: Exterior Home Improvements - Order of Operations?

Thanks for the inputs! I have a little more to think about now.
Prioritization based on need, potential for mess, then desires.
Don't worry too much about tying it all together at once.
by tooluser
Sat Jun 17, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1060

Exterior Home Improvements - Order of Operations?

I'd like to get several things done with the outside of the house: (I am in Los Angeles) 1) New driveway/paving 2) Replace concrete patio with deck and add retractable awning 3) Add outside electrical - outlets and light fixtures 4) New windows 5) Paint exterior 6) New landscaping I'm thinking that'...
by tooluser
Tue May 23, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Identify theft inusrance coverage - worth it?
Replies: 10
Views: 780

Re: Identify theft inusrance coverage - worth it?

My homeowner's insurance has it "included", as do a few "there was a massive data breach so we will provide you some protection for a couple of years" organizations. I would not pay extra for that alone. How many notarizations do you need a year? You can usually find those for fr...
by tooluser
Sat May 20, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1347

Re: Vanguard makes an impact in the England market

dougger5 wrote:Ah, my mistake. Followed a link that was posted earlier. Corrected, I stand :beer


You're a good person.

I'd be interested in knowing the purpose of the 0.15% fee. Is it necessary to make a reasonable profit? Is it in line with or less than the customary charges in the market there?
by tooluser
Tue May 09, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 4112

Re: Young professional planning for early semi-retirement

The best investment you can make early on is to work like mad, be smart about it (study and learn outside of work), and push yourself to succeed at ever higher levels of skill and connection. Throw yourself into it and enjoy - there is great satisfaction in a job well and truly done. Get your salary...
by tooluser
Fri Apr 28, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10082

Re: Vanguard has switched to brokerage only accounts

For difficult customer service issues, I have always had better (and very good) luck writing a physical letter to the CEO, than in complaining to Customer Service. I have not had to do so for Vanguard. If you calmly and briefly lay out your concerns, you will almost certainly get a reply, at least k...
by tooluser
Wed Apr 26, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10082

Re: Vanguard has switched to brokerage only accounts

This thread comes up every few months for the past few years at least. For what it's worth, I have four different mutual fund accounts with Vanguard (3 variations of tax-deferred, plus 1 taxable), and have not yet been asked to switch to a brokerage account. The oldest account is about 20 years old....
by tooluser
Sat Apr 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5554

Re: Six pack for barbecue?

A 6-pack means bottled beers. or cans Take one of the cans out of the six pack and stick it in your back pocket or hide it before you enter. Walk in holding the five pack by the empty plastic loop and they will think you drank the other beer on the way over. Many laughs. :wink: :beer You could also...
by tooluser
Sat Apr 15, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: 2017 Boglehead Contest Charts
Replies: 11
Views: 1289

Re: 2017 Boglehead Contest Charts

Thank you to those who are administering the contest! It is a solemn, forlorn, and pecuniary duty that dashes the hopes of so many upon the rocky shoreline of unfulfilled expectations. But the sea air is refreshing, and as the albatross drops from one's neck, one may endeavor to build upon your effo...
by tooluser
Wed Apr 05, 2017 8:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 23153

Re: Your USER NAME...what does it mean?

Pretty obvious if you combine it with my avatar.
At a deeper level, the two are meant to evoke the spark of investing consciousness that this site provided to me.
And I continue to evolve.
by tooluser
Tue Apr 04, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2895

Re: Buying House with Odor (not cigarette)

Truth is stranger than fiction. Who knows what the smell is? Are you sure you want to find out? Not related to the above, when buying my current house I learned several times and at some cost that your first reactions are typically correct for you. I ended buying other houses. Trust your instincts. ...
by tooluser
Sun Apr 02, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for less than the value of the home
Replies: 17
Views: 2424

Re: Mortgage for less than the value of the home

There's a minimum amount below which some lenders will not make the loan. Google "minimum mortgage amount" and you may find some useful information. I have also found this site to be excellent in its advice: https://www.mtgprofessor.com/A%20-%20Options/the_small_loan_problem.htm I have no ...
by tooluser
Sat Apr 01, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4405

Re: Help me respond to an angry insurance agent!

"Best of luck to you."

He or she is done with you, and you can now be done with them. Water off a duck's back.

A better salesperson would set up for a future sale, not cut off a potential client.
by tooluser
Sat Apr 01, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7461

Re: Is anyone decreasing % of bonds this year?

After the bell, I guess :? I seem to be getting older faster than new investment theories are proven "correct". (And I've seen a few now.) So I will be sticking to my rising bond percentage as I get closer to retirement. Starting from 80/20 (stocks/bonds) I'm increasing bond percentage 2% ...
by tooluser
Mon Mar 27, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6855

Re: Weathering sell-off days like today

"I think what our insightful young friend is saying is that we welcome the inevitable seasons of nature, but we're upset by the seasons of our economy."
by tooluser
Mon Mar 27, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6855

Re: Weathering sell-off days like today

IMHO funds are like fruit trees and the portfolio is an orchard of diverse fruit bearing trees. I matters not what the current price of fruit trees is. What matters is that the diverse trees in my orchard continue to bear fruit and accept that sometime they will bear more fruit than at other times....
by tooluser
Tue Mar 14, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle portfolio while living off investments?
Replies: 11
Views: 1189

Re: How to handle portfolio while living off investments?

2/3? What do you do with the other third? :confused
(It's good practice to spell out your shorthand the first time you use it.)
by tooluser
Sun Mar 12, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 7809

Re: Climate and happiness revisited

This was incredibly important during my own job search. I ended up taking a lower paying job in an area with great weather and interesting geography because I like doing stuff outside on the weekends. Totally worth the sacrifice in salary. Isn't it funny how different people are? I've looked at mov...
by tooluser
Sun Mar 05, 2017 2:16 am
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4497

Re: The Joys Of Tax Season! :(

Putting everything tax-related into a an expandable file, and years of experience with the contents, makes it a joy. A place for everything and everything in its place. Until you need to figure AMT. :confused I can't imagine how anyone on the government side could possibly defend the AMT as comprehe...
by tooluser
Tue Feb 21, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 17406

Re: Why do you go to restaurants?

"De gustibus non est disputandum" is apparently not at all true! :wink: https://en.wikipedia.org/wiki/De_gustibus_non_est_disputandum Food and eating are a multidimensional issue that few people agree on, and yet there are certain themes out there that lend well and profitably to restauran...
by tooluser
Mon Feb 13, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 17406

Re: Why do you go to restaurants?

Let's say I would like to eat a breakfast burrito. Breakfast burritos near me are composed of a large flour tortilla, scrambled eggs, hash browns, bacon, cheese, and salsa. At a restaurant I order it and it arrives shortly thereafter piping hot and delicious. There is no cleanup. When I am done, I a...
by tooluser
Tue Feb 07, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 280
Views: 44900

Re:

I read Dale Carnegie's "How to Win Friends and Influence People" from an old copy I picked up at a garage sale. Unlike others I did not care for this book. It seemed to advocate being phony regardless of the truth. Tell people what they want to hear. Give false compliments. Do this to get...
by tooluser
Sun Feb 05, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine or Online
Replies: 15
Views: 1624

Re: Consumer Reports Magazine or Online

I like this site: http://www.consumersearch.com/, to which I have no affiliation other than using it. They review products by examining many other online reviews, and putting together a well thought out narrative, rather than testing things firsthand like Consumer Reports. Seems to work - I've yet t...
by tooluser
Fri Feb 03, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 5079

Re: GF has long commute, should we buy a house to avoid long commute?

My commute trade-off: Crime rate, pollution of all types, cost, and housing density are 1/2 to 2/3 less if I live an hour away from work instead of 15 minutes. And I'm still in an urban area. Life in the big city. The commute is the only downside.
by tooluser
Fri Feb 03, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 4198

Re: Robocalls! -- current best call blocker?

Another nomorobo recommendation here. I checked call logs the first couple of months to see how effective it was for me. 95% or better blocking for a VOIP landline, at no charge. Seems to be working even better now, I almost never get a junk voicemail that the robots sometimes used to leave. I don't...
by tooluser
Mon Jan 30, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: How to Reduce Your Cost of Trading ETFs
Replies: 12
Views: 1760

Re: How to Reduce Your Cost of Trading ETFs

Find a broker that does not charge a commission to trade (some) ETFs, and trade in only those ETFs.
TD Ameritrade is an example, but there are more.
by tooluser
Sat Jan 28, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6588

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

I hope someone will continue the Life of Riley index. Fascinating.

http://www.uexpress.com/scott-burns/201 ... mbs-higher
(First link on Google, the last report on this from Mr. Burns)
by tooluser
Fri Jan 27, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6588

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

1/3 portfolio (mostly) per Taylor Larrimore 3-fund portfolio 1/3 portfolio (mostly) per Scott Burns's 10-speed portfolio 1/3 portfolio per circumstances Mr. Burns was my gateway to Bogleheads. :beer With the 10-speed portfolio, I find I am always winning somewhere, and have a clear re-balancing oppo...
by tooluser
Sat Jan 14, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 58455

Re: What are Costco's best deals?

Costco has unadvertised specials throughout the store. They can be recognized by the prices ending in 97 cents, such as $2.97 Did not know this until now. Thanks for the tip. The Costco near me never seems to have any "specials". It is an *extremely* busy store, and I suspect they all get...
by tooluser
Thu Jan 12, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3095

Re: Trip to Kona, Hawaii - Suggestions

I spent two weeks on the Big Island in 2011. If you stay in Volcano, HI: Kilauea Lodge - Tutu's House. Delightful. You won't regret it. Everywhere but Kona was completely excellent. I found Kona too hot for my taste. It was 105 degF in the daytime. Maybe that was unusual. The AC in the condos I stay...
by tooluser
Mon Jan 09, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4755

Re: No Vanguard Customer Support on weekends

Where did you meet with someone from Vanguard? Their investment branches have been long closed. The major fund companies offered in the plan at my employer stop by on a regular basis, and we can make an appointment with them. Fidelity and Vanguard have designated representatives so you get the same...
by tooluser
Sun Jan 08, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4755

Re: No Vanguard Customer Support on weekends

I wonder if you're speaking to Fidelity's "A Team" on the weekends. Based on my experience a few years ago, I think close enough. I have always received good telephone support information from both Fidelity and Vanguard. I've called Fidelity twice and Vanguard once in the last 20 years. V...
by tooluser
Mon Jan 02, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: Is it rude to dispose of unwanted gifts?
Replies: 60
Views: 5946

Re: Is it rude to dispose of unwanted gifts?

Cheerfully giving and receiving gifts is one of the basic skills of being a human being.
I have never been less than delighted with any gift I have received.





As far as you know. :mrgreen:
by tooluser
Mon Jan 02, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: Value investing: you must pay for your lunch -- sometimes a lot.
Replies: 52
Views: 6448

Re: Value investing: you must pay for your lunch -- sometimes a lot.

You're not reading the chart correctly. That's cumulative underperformance of total returns starting from time X (a point at which the line is at 0%) to time Y (a point later on compared to X, where the line hasn't yet hit 0% again). And that's for a hypothetical extreme value strategy. So that's 5...
by tooluser
Sun Jan 01, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: Value investing: you must pay for your lunch -- sometimes a lot.
Replies: 52
Views: 6448

Re: Value investing: you must pay for your lunch -- sometimes a lot.

I thought the article itself was pretty even-handed and Boglehead-ish - thank you! The chart is very interesting, but I don't find it reason for concern. 50% relative performance could be 0.5% vs 1.0% return - not much to write home about. I'd rather see a table of numbers. What I find most interest...
by tooluser
Thu Dec 15, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: Gift bag recommendation $5 to $15
Replies: 18
Views: 1537

Re: Gift bag recommendation $5 to $15

Katietsu wrote:
. A nice small flashlight. Everyone needs one and can always use another - purse, car, kitchen drawer, bedroom, wherever.


Not anymore. Another device replaced by a smartphone.


Except that you probably only have one of those.
by tooluser
Wed Dec 14, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Gift bag recommendation $5 to $15
Replies: 18
Views: 1537

Re: Gift bag recommendation $5 to $15

A nice small flashlight. Everyone needs one and can always use another - purse, car, kitchen drawer, bedroom, wherever.
by tooluser
Sat Dec 03, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Why is actual raw sugar hard to find?
Replies: 34
Views: 3690

Re: Why is actual raw sugar hard to find?

From the US FDA: BACKGROUND: "Raw sugar" is the term generally applied to the intermediate food product as it leaves the sugar factory mill for further refinement in sugar refineries before use as food. In general, raw sugar is unsuitable for human food use because it contains extraneous i...
by tooluser
Tue Nov 29, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Chagall Paintings Recently Left to Me By Family Member
Replies: 16
Views: 1686

Re: Chagall Paintings Recently Left to Me By Family Member

I recall this place from my travels: http://www.bigsurcoastgallery.com/chagall-catalog.html If you have one the pictures listed in the catalog, it's probably a print. I recall the price of first edition prints to be in the $10,000 range some years ago. It could be anything now, and that was to buy, ...
by tooluser
Thu Nov 24, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 7167

Re: What IS this? Salad tongs for elves?

Gort wrote:Mystery solved!


Indeed. Obviously the eye screw would be secured to a wooden leg.

Or perhaps a whale bone in a corset.
by tooluser
Thu Nov 24, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: How often do you hit your rebalancing bands?
Replies: 31
Views: 2780

Re: How often do you hit your rebalancing bands?

The 10-speed portion of my portfolio has 1% rebalancing bands. If 5% is good for a 2-speed portfolio, then 1% is a logical consequence for a 10-speed. I hit the limits about once a year. But I also add money approximately 4 times per year. When I do, I objectively move in the direction of rebalancin...
by tooluser
Fri Nov 11, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early and sail off into the sunset?
Replies: 47
Views: 6550

Re: Retire early and sail off into the sunset?

I highly recommend reading "Sailing Alone Around the World", by Joshua Slocum. First person to have sailed around the world by himself, in 1895, an experienced merchant captain in a 37 foot sailboat. Pay attention to the parts about pirates. They are still out there, do your research. If I...
by tooluser
Fri Nov 04, 2016 11:34 pm
Forum: Investing - Theory, News & General
Topic: Doubting Your Portfolio Tilts
Replies: 51
Views: 5267

Re: Doubting Your Portfolio Tilts

I have a 1/3 vanilla 1/3 chocolate 1/3 strawberry, rocky road, and butter brickle portfolio I'm not kidding, just being figurative. I like ice cream but don't eat it all that often. :mrgreen: And note that there is no garlic-anchovy or matter-antimatter ice cream in that portfolio. Even the most con...
by tooluser
Thu Oct 27, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 113
Views: 36622

Re: Amazon Prime Shipping Issues since move from UPS to USPS

These days, Amazon Prime free two-day shipping is a total crap-shoot for me (in Los Angeles). Lately, the "free two-day shipping" usually has a promised delivery date four days from when I order it. I complained to Amazon and the response was "two-day shipping means it takes two days ...
by tooluser
Wed Oct 26, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 4913

Re: Aldi doesn't accept phone calls

...the items available are a strange and inconsistent mix of brand names and generic... This is precisely why I sometimes shop at the 99 Cents Only store. Sort of a fun "I dare you!" hobby. We don't have any Aldi's near me. Every store in the city charges for bags by law, and the prices a...
by tooluser
Sun Oct 16, 2016 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Someone else's check got cleared from my Checking Account
Replies: 65
Views: 5936

Re: Someone else's check got cleared from my Checking Account

Note that this also works the other way. When I was much younger (no internet yet), one day a mystery deposit occurred in my checking account, approx. $250,000. I saw it only when I got the statement. Woohoo! :twisted: :P :dollar :moneybag :greedy But I knew it was not my money. I went to the bank a...
by tooluser
Sun Oct 16, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficient bond fund for Taxable account
Replies: 4
Views: 882

Re: Tax efficient bond fund for Taxable account

Hard to tell. The relative benefit of municipal bonds depends on your tax bracket. Every time I compare yields between regular and municipal bonds (for example, VBILX vs VWIUX vs VCAIX, various types of Vanguard intermediate term bond funds), it appears to be pretty much a wash for the 28% US federa...
by tooluser
Sat Oct 08, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: John Bogle the Toyota of investing
Replies: 12
Views: 1811

Re: John Bogle the Toyota of investing

Not seeing the analogy. My experience with Vanguard has been very good, and with Toyota not so much. But I appreciate the sentiment. If there were a not-for-profit car manufacturer the analogy might hold more true. It's very interesting to me that there is no not-for-profit car manufacturer. One wou...

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