Search found 175 matches

by buccimane
Tue Feb 13, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Help me get my friends started
Replies: 6
Views: 520

Re: Help me get my friends started

Hi Daisy Dog, I usually start with this link to a John Oliver segment on retirement investing: https://www.youtube.com/watch?v=gvZSpET11ZY&t=282s This video is why I began investing, and also how I stumbled upon BogleHeads. John Oliver has the unique characteristics of being credible, humorous, and ...
by buccimane
Tue Feb 13, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19377

Re: I bought a stock today - Redfin (RDFN)

Surely this thread has run its course at this point, so I wanted to get in before the lock...As a service to new forum goers, it would be a real shame if they started seeing threads here on a regular basis about individual stocks. It really does go against the teachings of John Bogle our patron sai...
by buccimane
Mon Feb 12, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15587

Re: free dinner investing seminar

Firechief,

Do these invitations specify that you cannot bring a guest under 55? Asking for a friend.. :sharebeer
by buccimane
Wed Feb 07, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14550

Re: Vanguard site is crashed now?

This is specifically what I was referring to as an unrealistic expectation: buccimane wrote: ↑Tue Feb 06, 2018 4:22 pm I have the expectation that a website holding most of my personal information on it should be able to handle traffic fluctuations without crashing completely. Yes, if you take thin...
by buccimane
Tue Feb 06, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14550

Re: Vanguard site is crashed now?

And I'm not sure what you think the ability to handle traffic spikes has to do with security, exactly. As stated, from a non-technical background, if a website is unable to remain operational it would not be a giant stretch for me to ponder the security of it. Also, having only been with Vanguard f...
by buccimane
Tue Feb 06, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14550

Re: Vanguard site is crashed now?

The NYSE closed for about 4 months in 1914 due to the beginning of WWI. There have been brief closures or trading halts on many occasions since due to national security or technical issues. NYSE closure in 1914 is 100 years past relevancy. In this day and age, I have the expectation that a website ...
by buccimane
Tue Feb 06, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14550

Re: Vanguard site is crashed now?

Don't buy anything you're not comfortable holding if the market closed for ten years or if you can't access Vanguard.com for a week. What kind of advice is this? I don't remember reading the weekly blackout clause in the Terms of Agreement- and I would not feel comfortable with these terms, obvious...
by buccimane
Mon Feb 05, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14550

Re: Vanguard site is crashed now?

can't log in, very disappointing...
by buccimane
Fri Feb 02, 2018 1:24 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5413

Re: Fewer acronyms please

ResearchMed wrote:
Thu Feb 01, 2018 8:22 pm
"Your Mileage May Vary"



RM
RM? :confused
by buccimane
Wed Jan 24, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8798

Re: Working in the real world

ust heard today that 1/6 millennials has saved up over $100,000, fighting the myth that millennials are not saving. Would it surprise you that the majority of millennials on this board have more than $100,000? It would surprise me if it wasn't. I need to see the source for this.. Very hard to belie...
by buccimane
Mon Jan 08, 2018 3:36 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8957

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

THANK YOU FOR FNALLY ADDRESSING ALEX. These type of bragging posts serve only 1 purpose - TO SHOW OFF. They are EXTREMELY ANNOYING and greatly dilute the quality of the forum. Lots of us are struggling through hand to mouth existence and these people have no shame showing of their millions. I would...
by buccimane
Wed Jan 03, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13044

Re: Embarrassment Preventing Retirement Work: A factor for you?

This post resonates with me, however I am no where near retirement. I occasionally work as a fill-in bartender at a smaller restaurant, and see people I know ALL the time. Don't get me wrong, bartending is not a job to be ashamed of- but I am happy when they ask if I work there full time, and I am g...
by buccimane
Wed Jan 03, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9844

Re: Effects of extreme cold weather

The seat warmer in my 2011 Ford has stopped working as of this morning. :annoyed When I turn it on, it turns itself off in about 5 seconds.
by buccimane
Thu Dec 14, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 26
Views: 4294

Re: Podcasts for Bogleheads?

'Stuff You Should Know' is a great Podcast that I would recommend to anyone. They cover any topic you can imagine, and give you a great 40-60min synopsis of said topic.
by buccimane
Fri Dec 08, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7365

Re: Bitcoin now the largest quantifiable bubble in history?

lazydavid wrote:
Thu Dec 07, 2017 7:50 pm
telemark wrote:
Thu Dec 07, 2017 7:03 pm
But the coin got away from me, rolled away, and disappeared down a sewer grate :(
Did it float? We all float down here.... :twisted:
+1
underappreciated comment :twisted:
by buccimane
Fri Dec 08, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18199

Re: Call the top! - Bitcoin

So I had never heard of vemma. Googled it and it's a MLM scheme. Considering that people involved with bitcoin don't get paid, much less paid on downlines or anything like that, that's pretty disingenuous. That is incorrect. Unlike traditional MLM schemes that are able to stay afloat (Amway), Vemma...
by buccimane
Fri Dec 08, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18199

Re: Call the top! - Bitcoin

$27,001... Something people on this forum may find interesting about the younger generation I've observed first hand: Many of the 20 something's all in on Bitcoin are the same individuals that could change your life and financial situation a couple years back through Vemma. We can now all Google 'Ve...
by buccimane
Fri Dec 08, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6864

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Working HR at a state govt job currently, and a private company previously, I can say that education requirements are much more prevalent in the public sector.

edge wrote:
Fri Dec 08, 2017 8:39 am
What he is doing is IT support, which is on the blue collar spectrum
I guess there are alternate definitions of a blue collar job..
by buccimane
Wed Dec 06, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3895

Re: Vegas on a budget

Battista's Hole in the Wall.. unlimited wine and garlic bread + a entree for $23-$40. Plus an accordion player who takes request :sharebeer We were just there two week ago. Used to be our favorite diver , not any more.... Gone down hill . That's a shame.. I wouldn't recommend Battista's to typical ...
by buccimane
Wed Dec 06, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3895

Re: Vegas on a budget

Battista's Hole in the Wall.. unlimited wine and garlic bread + a entree for $23-$40. Plus an accordion player who takes request :sharebeer
by buccimane
Tue Dec 05, 2017 10:23 am
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4107

Re: Thanking Bogleheads. How have they helped you. . . or others? Who have you learned what area of advice from?

retiredjg
cas
dbr
BL

I'd like to thank the above- and others- for their help with various situations I required advice for. Mainly dealing with personal investments, these 4 took time out of their day to assist me, for which I am grateful.
by buccimane
Fri Dec 01, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11262

Re: Price of haircut?

Charlesmetz83 wrote:
Thu Nov 30, 2017 10:28 pm
I auto pay $30 a month for "unlimited" cuts.
I go twice a month and service includes shaving my head and neck, shampoo and a roughly 10 minute scalp massage. I tip $5 each time.
Is this at a franchise/chain store, or a local establishment? Very interested.
by buccimane
Thu Nov 30, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10307

Re: Which crash have you seen it before it is coming?

saltycaper wrote:
Wed Nov 29, 2017 7:01 pm
I was gliding through the intersection, and all of a sudden, I realized I wasn't going to make it. It was kind of strange, really, that moment before impact. I wasn't fearful. I was angry.
Same thing happened to me.. Crazy, I had 2-3 seconds to be pissed at myself for the mistake before impact
by buccimane
Wed Nov 29, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor created potential Roth IRA issue
Replies: 11
Views: 1239

Re: Financial Advisor created potential Roth IRA issue

123 wrote:
Wed Nov 29, 2017 11:59 am
you don't want the bogus Roth contribution to poison all your Roth accounts since the IRS handles all a taxpayer's Roth accounts together as one big pie.

Thank you- this is what I was afraid of.
by buccimane
Wed Nov 29, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor created potential Roth IRA issue
Replies: 11
Views: 1239

Financial Advisor created potential Roth IRA issue

For the detailed background, please see previous post : https://www.bogleheads.org/forum/viewtopic.php?f=1&t=226650&p=3511553#p3511553 To summarize above, when I was younger there was a Roth IRA set up for me with $10,000 gifted to me by my grandmother. This was not an inherited Roth, and I had litt...
by buccimane
Tue Nov 28, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: Tracking the Bitcoin Bubble in Real Time?
Replies: 70
Views: 5349

Re: Tracking the Bitcoin Bubble in Real Time?

Jonathan wrote:
Tue Nov 28, 2017 3:48 pm
Tulip mania is now known to be an overexaggerated myth: SmithsonianMag.com: There Never Was a Real Tulip Fever.
+1... tired of the overused, incorrect tulip bulb references.
by buccimane
Fri Nov 17, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5769

Re: Where did you first learn about investing?

John Oliver , host of Last Week Tonight, introduced me to this world. As described in the video below, he learned about index investing after looking at his own 401k contribution through HBO which was riddled with fees. https://www.youtube.com/watch?v=gvZSpET11ZY Rather than recommending BogleHeads...
by buccimane
Thu Nov 16, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 13698

Re: Request for Promotion letter to Senior Management

someone illuminate LadyGeek's batman signal. Lock it up
by buccimane
Wed Nov 15, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Going to College to become a Teacher - 19 Started Roth IRA.
Replies: 15
Views: 1440

Re: Going to College to become a Teacher - 19 Started Roth IRA.

The typical path we see in our district in NJ is a teacher becoming a subject supervisor, then VP, then principal. To be a subject supervisor in NJ, you need your Supervisor certification which you cannot obtain without a Masters. If this is something you'd like to fast track, it may be worthwhile t...
by buccimane
Tue Nov 07, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Virginia to New Jersey income tax
Replies: 20
Views: 2415

Re: Virginia to New Jersey income tax

As mentioned above, if you haven't commuted in NJ yet I would give it a trial run.. Northern NJ is brutal. To answer one of your questions, I just registered my 4 door sedan for $60.

Good luck!
by buccimane
Fri Nov 03, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 9
Views: 1197

Re: MLB Signal?

dm200 wrote:
Fri Nov 03, 2017 2:43 pm
I think the Seattle Seahawks are the cnly NFL team to do that.
Getting my skin in the game on this hunch.... Will report back in February :moneybag :moneybag
by buccimane
Thu Nov 02, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7597

Re: Negotiating for a new car purchase

if I add a satellite navigation system that I don’t want Anyone looking for a car for over 2 months, and now with a deadline, has to be a little more flexible IMO to get a deal done. If a navigation system option is a deal breaker when looking at newer cars, it might be better to look at slightly o...
by buccimane
Tue Oct 31, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7017

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

My kids use something called Venmo to send money to friends. +1 for Venmo. Use it nearly everyday. There is no minimum, and I haven't reached the maximum if there is one. You can instantly send $ to a friend, and they can transfer it out of the Venmo account to their linked Bank Account with the pu...
by buccimane
Fri Oct 27, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1066
Views: 260684

Re: Best watch for around $5,000?

Petrocelli wrote:
Mon May 08, 2017 9:36 pm
For the record, I don't think you are a failure if you don't have a Rolex or if you don't wear a wristwatch or if you don't care what time it is. I think most of you are failures for a variety of other reasons, but not that one.
Don't care for Rolex, but this made the thread worth reading!

:D
by buccimane
Fri Oct 20, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5804

Re: I have to fire someone that I care about personally

guitarguy wrote:
Fri Oct 20, 2017 12:35 pm
and brilliant songwriters by the way, carrying 10 extra lbs
Generous for Mama Cass :shock: but when it comes time for me to hire a band, I will almost certainly go for charisma and looks over musical talent. I could never tell the difference between an outstanding group vs good group.
by buccimane
Fri Oct 20, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5804

Re: I have to fire someone that I care about personally

what's more important to you. Staying true to your music and your friends, or money / fame / greed / selfishness. I wouldn't say doing what's best for the band's future success is connected to not staying true to his music. It sounds like this is a main stream of income for at least some of the ban...
by buccimane
Wed Oct 18, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 2730

Re: Data Use on Smartphones

I think this is a great phone for a first time smart phone user. Large screen, seems to have a decent battery life, and user friendly interface. Within my 5min google research, it does appear there are instances of complaints in regards to Tracfone's customer service -- however these customers seeme...
by buccimane
Tue Oct 17, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 6047

Re: 2018 Honda Accord

How hard is it to check your blind spot on the freeway? Do we really need blind spot monitors? If you are speaking about the small dot on the side mirror that lights up when someone is in your blind spot, I have to disagree vehemently. This is my favorite feature on my car. It is called a blind spo...
by buccimane
Tue Oct 17, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 1253

Re: good used car.

I have a 2011 Ford Fusion Hybrid that I got last year for $8500 with 60k miles. Leather heated seats, navigation/blue tooth, sunroof etc. Best car I've owned thus far, and I get a real 41 mpg (commuting near NYC). Ford may not be known for reliability, but check out the Consumer Reports for older Fu...
by buccimane
Thu Oct 12, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Option Help
Replies: 30
Views: 1977

Re: 403(b) Option Help

krow36 wrote:
Thu Oct 12, 2017 12:44 pm
I can email you a link to an out-of-date form (the annual fees have been increased) so you can look it over and decide whether you want to pursue it. I’ll send you a PM.

Thank you! I'll wait for the PM :sharebeer
by buccimane
Thu Oct 12, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 2054

Re: Two Issues for New Investor [portfolio help, move fund to Vanguard]

OP Update Here: I had the adviser switch the Roth IRA into my name only, removing my mother as the custodian. The new statement only contains my name but still has lists me as a Minor. I am worried about this is because the roth was funded at a time when I wasn't earning any significant income (~14y...
by buccimane
Tue Oct 10, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20779

Re: Growing old without kids or younger caring relatives

khaleesi1 wrote:
Sat Oct 07, 2017 8:56 am
This is one sad thread. I'm going to put more effort into dating ASAP.
My sentiments exactly :shock:
by buccimane
Wed Sep 13, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Mix Illustration [what is short term reserve?]
Replies: 4
Views: 779

Re: Vanguard Asset Mix Illustration [what is short term reserve?]

I am going to hi-jack this old thread for a moment.. I have just opened an account with Vanguard and it is showing that I have 45% stock 5% bond and 50% short term reserves. I am confused about the short term reserves. I opted to contribute to the Vanguard 2065 Target Retirement Fund 100%. Why is it...
by buccimane
Tue Sep 12, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11620

Re: The 10 year car ownership "rule"

Uncle Pennybags wrote:
Tue Sep 12, 2017 4:34 pm
buccimane wrote:
Tue Sep 12, 2017 3:36 pm
There are absolutely crown vics still active over a decade old in departments.
Mayberry?
:wink: :sharebeer
by buccimane
Tue Sep 12, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11620

Re: The 10 year car ownership "rule"

In the past, I have only switched vehicles after the seemingly chain event of breakdowns. One thing tends to lead to another, and that is a signal it is time to move on.. A police car could never last 10 years but a fire truck has a much longer useful life. There is no easy answer, it depends. Hang ...
by buccimane
Thu Sep 07, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 136
Views: 25115

Re: Becoming a Landlord: My Experiences

I have a couple questions for my own personal knowledge for you. 1. When selecting a tenant, what percentage of their income do you like to see going to rent? (I've heard Income should be 40x rent. (net or gross?)) 1a. If the income is slightly below preference, would you consider renting if they ha...
by buccimane
Wed Aug 30, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 2054

Re: Two Issues for New Investor

I think your biggest challenge is this Roth issue. At age 12, you certainly could have had an income, but $10K? Or $5k split between 2 years? That sounds somewhat unlikely since you don't recall having an income at all. You certain have to consider whether your parents may have made a mistake 10 ye...
by buccimane
Wed Aug 30, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 2054

Re: Two Issues for New Investor

2. My grandmother gifted me a $10,000 John Hancock Roth IRA mutual fund with nearly 2.0% expense ratio. Are you sure she gave you a Roth IRA? Perhaps you mean you inherited it? I don't think a person can just give a Roth IRA away. Edited to add...I see this has already been addressed. It appears my...
by buccimane
Wed Aug 30, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 2054

Re: Two Issues for New Investor

Depending on what you find you'll see how good your financial "advisor" has been for your mother and grandmother in helping them set up this account. It'll all work out. :sharebeer Ok, so what I found out is that it is in fact a Roth IRA. My mother is the custodian, and there is now ~16,000 in it. ...
by buccimane
Tue Aug 29, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 2054

Re: Two Issues for New Investor

-In addition, something seems off because $10,000 is over the allowed annual maximum that can be contributed in one year to a Roth IRA. (Although perhaps a 2 year contribution was made all at one time in between January and tax day in April, for the prior year and the current year. *If* you had eno...