Search found 1544 matches

by daveydoo
Sat Sep 22, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8980

Re: What to wear for job interview - skip the tie?

Spouse just interviewed someone for professional position in an office environment that is "business-casual-ish" and has largely done away with ties for hygiene reasons. Seriously? Did they do away with door handles also? Yes, wherever possible. And they put hand sanitizer dispensers outside and in...
by daveydoo
Sat Sep 22, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: CIT vs. ALLY vs. 360
Replies: 14
Views: 1847

Re: CIT vs. ALLY vs. 360

How old are you? CIT CD was a nightmare in the estate of a non-CA resident. CA is relentless (as many here know) and we had to go through a lot of extra steps to satisfy the state that the deceased was not a CA resident. (She had not even been to CA in 50 years and never lived within 2,000 mi of the...
by daveydoo
Sat Sep 22, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8980

Re: What to wear for job interview - skip the tie?

I'm the guy who said the "right" kind of sneakers can be OK for business casual. But I agree here: tie (and shoes!) for job interview. In this instance, it's not about fitting in or looking stylish; it's about showing that you care about the job and about the people you're meeting. Spouse just inter...
by daveydoo
Fri Sep 21, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9338

Re: Are We Headed For A Passive Index Meltdown?

The sole argument against active investing is as follows: after fees, passive always beats active. It is a necessary corollary, therefore, that before fees, active investors do as well, if not better, than passive. Therefore, if you do the active investing yourself, you will do exactly the same, if...
by daveydoo
Fri Sep 21, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3551

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I recently started to TLH from VWIUX to MUB; I heard that there could be a tax penalty; I did not research how big a deal it was. I changed horses to Vang Limited Term. https://www.bogleheads.org/forum/viewtopic.php?p=4116624#p4116624 Recent discussion on Tax Loss Harvesting with Munis: https://www...
by daveydoo
Fri Sep 21, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6953

Re: Don't trust Tripadvisor reviews

Imo, a bigger problem than fake reviews is the problem that these non-standardized reviews are written by the people who actually go there . DS pointed out a town where Michelin-starred restaurant and McDonalds each got 4 stars (out of 5 -- maybe this was Yelp?). People who go to McDonalds generally...
by daveydoo
Fri Sep 21, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 46
Views: 9615

Re: Im going to die somewhere between Bankruptcy and $20 million

3) In real life, just about the uniform experience is that all attempts to estimate the probability of low-probability events underestimate them--badly. The risk model for a meltdown at Three Mile Island suggests that what happened should have only happened once in 30,000 years. The events that led...
by daveydoo
Fri Sep 21, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3551

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I need to TLH since I'm down over 1% and was just deciding tonight whether the time was right. Was going to swap into MUB (iShares IM Term Muni ETF; ER 0.07). Slightly higher credit quality (AA instead of A) and slightly longer duration (6.0 instead of 5.1 years) but they have tracked pretty closel...
by daveydoo
Fri Sep 21, 2018 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Let's rebalance my young 401k
Replies: 5
Views: 656

Re: Let's rebalance my young 401k

Foreign Large Blend - Vanguard Total Intl Stock Index I VTSNX 0.09% Foreign Large Growth - American Funds Europacific Growth R6 RERGX 0.49% Diversified Emerging Mkts - Harding Loevner Emerging Markets Advisor HLEMX 1.42% Since the index tracked by the first (according to M*) appears to be the MSCI ...
by daveydoo
Fri Sep 21, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11622

Re: Did you really have something to retire to?

3504PIR wrote:
Wed Sep 19, 2018 3:09 pm
...I have some costly projects as well, such as putting up a solar system...
Read this three times before I realized you weren't decorating a child's room. :oops:
by daveydoo
Fri Sep 21, 2018 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 46
Views: 9615

Re: Im going to die somewhere between Bankruptcy and $20 million

But I entered some data for a scenario that is between conservative and realistic at this second site.....and it says that by the time I hit about 70 years old my portfolio will be somewhere between $0 (worst case) and $19 million dollars (90th percentile). It's not the range; it's the distribution...
by daveydoo
Fri Sep 21, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 2025

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

the whole of Wells Fargo didn't wrong people, some people did.. it's not "Wells Fargo" , it's the actions of some working for Wells Fargo that made some very very bad calls and got caught. Nearly all corporate wrongdoing is traceable to a limited number of people. Does that mean that there should n...
by daveydoo
Thu Sep 20, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3551

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I have some extra cash ($45k) in my Vanguard MM account and was planning to buy VWIUX (vanguard intermediate tax exempt muni bond fund) as soon as the balance hit $50k. Hey, I'm just about to sell -- PM me! I'll give you a sweet deal! :D I need to TLH since I'm down over 1% and was just deciding to...
by daveydoo
Thu Sep 20, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 39
Views: 2880

Re: Another Wifi extender thread

For a dead spot in our house, I got this one last year on Amazon:

NETGEAR AC1200 WiFi Range Extender - Essentials Edition (EX6120-100NAS)

Works fine. Set up painless, as I recall. There are tons of reviews and a lot of chatter about setting it up but it was pretty simple.
by daveydoo
Thu Sep 20, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 2025

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

mlebuf wrote:
Thu Sep 20, 2018 9:40 pm
The old Blood, Sweat & Tears song, "Symphony for the Devil" comes to mind. For those too young to remember...
Wait, is this referring to Sympathy for the Devil? By the Stones? Or am I trapped in some BH alternate universe?
by daveydoo
Wed Sep 19, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3534

Re: Anyone hire an interior designer?

Big lesson is to never justgo along with a designer. He or she helps you use your taste a bit better. YOU are the expert on colors you like. True. But this instance was not a matter of taste. Tan house with flesh-colored trim. :D Same/similar tonal value but cool vs very warm. You would never wear ...
by daveydoo
Wed Sep 19, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25153

Re: What is your single most expensive mistake?

Gotta say, I'm really impressed by how small most of these are. I can't tell if they're humble brags (that one time I lost $100 in the stock market :oops: ) or people here are way younger than I thought :D . Or maybe have really short memories. :D The last time a post like this came up, I made a lis...
by daveydoo
Wed Sep 19, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3534

Re: Anyone hire an interior designer?

We bought a "spec" house at the drywall stage. Builder had already engaged the services of a "color consultant." We never even knew such a thing existed and couldn't wait to work with her. She came out with swatches to choose exterior colors with us on a glorious sunny day. We were astounded that sh...
by daveydoo
Wed Sep 19, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: A really general question!
Replies: 9
Views: 795

Re: A really general question!

There are many books, but in response to your specific question , the answer is the BH Guide to Investing. Hands down, imo. Very readable and digestible. My teenage son read it and retained most of it. Jack's book is wonderful but it's (intentionally) too limited in scope for you, imo. You likely al...
by daveydoo
Wed Sep 19, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 4092

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

I would have her transfer everything to Vanguard PAS advisory service and stay out of making recommendations. I agree 100%! +1 again. I did a similar thing for multiple relatives, albeit on a much smaller scale. As livesoft said, do not underestimate the ability of relatives to find fault with your...
by daveydoo
Wed Sep 19, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8502

Re: Can Sneakers go with Business Casual?

BH is a fine place for clothing advice. It is the worst place for fashion advice! Can you say why please? Thanks. You're the OP so presumably you've seen my posts above and the posts that I felt were insightful. I especially liked the examples that stimulacra showed early on. Oh, and the one right ...
by daveydoo
Wed Sep 19, 2018 2:08 am
Forum: Personal Finance (Not Investing)
Topic: PERS Rollover?
Replies: 2
Views: 309

Re: PERS Rollover?

AFAIK from my days connected to that region, PERS is proprietary. There have been multiple "tiers" over the years. PERS is defined benefit, and in retirement you get ~ 1.5% of the average of your three highest-salary years (maybe less now), multiplied by number of years of service. So, after 30 year...
by daveydoo
Tue Sep 18, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds vs. Individual Bonds: Can someone quanitfy?
Replies: 31
Views: 1964

Re: Bond Funds vs. Individual Bonds: Can someone quanitfy?

The primary advantage of owning individual bonds isn't going to be higher returns, but rather greater certainty about future cash flows. The primary advantages of owning a bond fund are simplicity and liquidity. Also, there is a lot of yield-chasing when buying individual bonds and this can lead to...
by daveydoo
Tue Sep 18, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Business card impact on credit score (sole proprietor)
Replies: 5
Views: 617

Re: Business card impact on credit score (sole proprietor)

I assume the company will use my current credit score to determine my eligibility for the business card, yes? This is how it worked for my business card(s). They did not care about the business at all and I do not recall providing any documentation. I tried to be honest and used my own name and wro...
by daveydoo
Tue Sep 18, 2018 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Are there professional trustees that charge by the hour?
Replies: 4
Views: 522

Re: Are there professional trustees that charge by the hour?

I'm sure there are but would you trust their billing? From my own experience in this role, there "should" be months of zero billing. I doubt you would see that. :D A relative hired a cheap-by-the-hour estate attorney, but the hours were endless. The expensive attorney we replaced him with was a lot ...
by daveydoo
Tue Sep 18, 2018 12:53 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3494

Re: Equity in house / Do you use it?

We own a roughly $2M house with only $70k left on the mortgage. I am thinking of reasonable ways to use this big prtion of equity. So like hurry up and pay off the mortgage so you can immediately take out a home equity loan? Hard to re-use spent money. Maybe rent a room out on AirBnb? You could use...
by daveydoo
Tue Sep 18, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1165

Re: Gas leak detector?

adamthesmythe wrote:
Mon Sep 17, 2018 10:27 pm

Mercaptan is added to make small concentrations of natural gas smell bad.
+1. CO is a whole different story -- hence the detectors for that.
by daveydoo
Mon Sep 17, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3452

Re: a low grade in a 9th-grade test

Good question but a year too early, imo. Lots of teachers "re-set" expectations with a tough test, etc., at the outset -- especially with promotion to a new school. I don't agree wit that but I don't think it's uncommon. I recall a similar example in one of my schools. I agree with others who sugges...
by daveydoo
Mon Sep 17, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: What's an acceptable fee range for a Target Date?
Replies: 6
Views: 483

Re: What's an acceptable fee range for a Target Date?

As the subject asks, I'm looking for opinions on this. I have access to Fidelity's LifeCycle 2045 and the fees are only .06%. That seems quite low to me. What say you? Agreed. You can do the math with your expected balance. The incremental gains at the bottom of the fee range are almost meaningless...
by daveydoo
Mon Sep 17, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6915

Re: Is there such thing as saving TOO much?

You are doing just fine. "Save" some "blow money" and find things that give you joy. Getting married, having kids, buying a house, moving for jobs, selling a house, buying a bigger house. Those are life events that might be ahead. You will appreciate your savings rate when there are more things nip...
by daveydoo
Mon Sep 17, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52895

Re: What is your luxury good?

At this point in my life, I think my luxury good is actually being able to provide nice things to those I love my wife as they actually enjoy them. Not to be superficial, but it may not be terrible to have a few nice things that your close family associates with you. Wait, hear me out! My low-maint...
by daveydoo
Sun Sep 16, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3865

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

There is a growing body of evidence that the modern epidemic of allergies is due to too much cleanliness. Keeping an obsessively clean environment, especially for children, results in their immune systems not developing properly. +1. Not sure you can retrofit it as an adult, though! (Probably more ...
by daveydoo
Sun Sep 16, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Can I have an oversized emergency savings account?
Replies: 19
Views: 2187

Re: Can I have an oversized emergency savings account?

I really only need 25K for my emergency savings. I have about 55k right now sitting in checking. That's fine if you don't mind 0.01% interest. What to do with the "extra" $30K depends entirely upon your other assets and your investment plan. What's your desired asset allocation, overall? How far of...
by daveydoo
Sat Sep 15, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5314

Re: 38% pay cut for dream job?

I agree with the pros and cons above. Relatives did this (well, in-laws) and they have been very happy with young kids. That said, I could never do this; we didn't even want to change school districts. For things like this, I believe in the path of least regrets. I suspect if you don't take it, you ...
by daveydoo
Sat Sep 15, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 89
Views: 9322

Re: If you really like the CR-V, you should check out the [_____]

I'm very happy with my CX-5. The RAV4 is ugly to me. The CX-5 drove a lot better than the Santa Fe/Tuscon IMO. Everyone has the CR-V (which might not bother many people). +1. (Is this thread still going?) Our CX-5 has capable AWD, sensible layout, good tech, good visibility, and is genuinely fun to...
by daveydoo
Sat Sep 15, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4059

Re: The Boglehead is anti-entrepreneur?

I told a former colleague I used the BH forums and his response was “Yeah, they don’t like our tribe.” ... Would you advise a young person in their 20s or 30s, inclined to the entrepreneurial life, to go for it or stick to the Steady Eddie approach, and why? I don't get this. BH philosophy is about...
by daveydoo
Sat Sep 15, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1931

Re: Opinions on American Funds

Forgot the "k" in my retirement accounts ;). $200k! Post of the day! Better than putting it in by mistake, I guess! The "24-million megapixel" cameras... :D They keep their ER low by not advertising? They're a hidden gem, huh? They're among the best-known and largest funds out there! Best-case ERs ...
by daveydoo
Sat Sep 15, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52895

Re: What is your luxury good?

Pay or paid? Some were one-time. Watch. Jewelry for spouse/family. Restaurant meals when traveling (think Michelin) and occasionally in our home town. One nice suit. A few cameras. Some spendy wine, but still usually from Costco. I don't think we have many recurring luxury expenses, hobbies, habits....
by daveydoo
Sat Sep 15, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3865

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

Real wood with PU finish (for example) is maintenance-free. Just don't let water stand on it, or have a wet crawl-space under it. Are you renting or remodeling your own rental? If the latter, know that it's pretty fragile. We have 3/4" solid red oak with a hard finish and even that shows abuse (we'r...
by daveydoo
Fri Sep 14, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Slight fear of investing in general now
Replies: 20
Views: 2195

Re: Slight fear of investing in general now

Same. Some things are so awful that you really can't prepare...or can only prepare by seriously handicapping your future performance and lifestyle in the other 99.99% of possible scenarios for the future. I don't think gold will be helpful if the world ends (I know, just lead). I try to do my part b...
by daveydoo
Fri Sep 14, 2018 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Dollar cost averaging or all in one go?
Replies: 3
Views: 542

Re: Dollar cost averaging or all in one go?

About your premise but not your question: since you are not young, and are market-timing and (more or less) chasing returns, I would consider waiting until after November to increase your equity holdings. If you had just said "I'm trying to align my asset allocation with my age and investment object...
by daveydoo
Thu Sep 13, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1628

Re: Homeowner's Insurance - Price vs. Quality

When it comes to H.O. policies, do you “get what you pay for?” Only when your house burns down. I answered earlier in the thread, but this is unanswerable now -- exactly how much additional would BH pay for carrier x over carrier y ? What's the perfect asset allocation? Would I pay double? Only if ...
by daveydoo
Thu Sep 13, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1628

Re: Homeowner's Insurance - Price vs. Quality

As with all insurance, it's not how much it costs but how much you will be able to collect if the need arises. Insurers are rates by their financial strength, which includes a combination of good-for-the-consumer and bad-for-the-consumer factors. For example, you could have a great balance sheet by ...
by daveydoo
Thu Sep 13, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3290

Re: How to help teenager fix silly mistakes in math?

Time.

Especially if it's a younger "teenager."
by daveydoo
Thu Sep 13, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3941

Re: Is home alarm monitoring worth it?

...If someone kicks down my door and sets off the alarm, it will be at least 10 minutes before the police get here. The burglar knows that. The burglar will either run away as soon as he hears the alarm go off, or he will run around the house for 5 minutes, looking for whatever he can grab, and the...
by daveydoo
Thu Sep 13, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15701

Re: iPhone XS Max

...Also, it used to be that smartphone prices had carrier subsidies attached. The phone would be advertised as "$399", but it was really about $800 with a $400 carrier subsidy that was baked into the service cost. +1. For a lot of people, they're still "free" -- just the service has gone up. Some c...
by daveydoo
Thu Sep 13, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6087

Re: Vacation house? Need objective third party

In the area we were looking, for the price of one year's property taxes alone we figured we could rent a spectacular place for many weeks. And that's about all we have time for anyway. So we never pulled the trigger. Also, we realized that we were too busy to even schedule time to look for propertie...
by daveydoo
Wed Sep 12, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2693

Re: Utility usage way up

Any thoughts? Is the outside avg temp change of only 3* enough to cause 50% increase in usage? This happened to us: I live thousands of miles from a deceased relative's unoccupied condo. Helpful neighbor turned on the heater at the thermostat but switched the blower from "Auto" to "On." The temp wa...
by daveydoo
Wed Sep 12, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2693

Re: Utility usage way up

Any thoughts? Is the outside avg temp change of only 3* enough to cause 50% increase in usage? This happened to us: I live thousands of miles from a deceased relative's unoccupied condo. Helpful neighbor turned on the heater at the thermostat but switched the blower from "Auto" to "On." The temp wa...