Search found 327 matches

by bampf
Mon Aug 19, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5026

Re: I wanted to teach myself computer programming.

freeCodeCamp: Learn to Code and Help Nonprofits https://www.freecodecamp.org/ Just follow their instructions step by step. This is all you need. Just for fun I took a look at this. I was pretty impressed at their tutorial,grasp of basic concepts and the way they teach. Anyone looking to refresh or ...
by bampf
Sat Aug 17, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: Quick (without looking) what do you think YTD total return of US Bond Index is?
Replies: 46
Views: 3858

Re: Quick (without looking) what do you think YTD total return of US Bond Index is?

The answers are 8.9% US Bond Index Small-cap Value Index Sorry, I fell asleep. Here are the YTD total returns (source Vanguard.com): 8.92% VBTLX Vanguard Total US Bond Idx 6.95% VTIAX Vanguard Total International Idx 9.61% VSIAX Vanguard Small-cap value Idx Those 100% stock portfolios are really ta...
by bampf
Fri Aug 09, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3126

Re: Have you skipped a flight segment to save on airfare?

Try taking a one way trip to Europe. It is frequently double that of a round trip. If you were to book a business class out trip and an economy trip back it might cost you $1500 a ticket. If you book one way for that same ticket, it might run you $3000. If something came up before you could complete...
by bampf
Thu Aug 08, 2019 11:10 am
Forum: Personal Investments
Topic: Vanguard asks for employer/income during account transition
Replies: 26
Views: 2391

Re: Vanguard asks for employer/income during account transition

KYC or "Know your Customer/Client" is the process of verifying the client to assess suitability, along with analyze potential risks and or legal activity. It isn't a fishing expedition and it is required by various regulatory agencies to prevent money laundering/illegal transactions and to verify id...
by bampf
Tue Aug 06, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Simplifying iphone home screen for senior citizen
Replies: 12
Views: 688

Re: Simplifying iphone home screen for senior citizen

I tried this and it didn't work that well. It was constantly nagging them about upgrading the OS and signing into their account and so forth. I went to a google fi account and a flip phone. It is a well understood semantic, doesn't result in lots of anxiety about upgrading or keeping current and odd...
by bampf
Mon Aug 05, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Daycare does not allow staff to babysit
Replies: 21
Views: 1679

Re: Daycare does not allow staff to babysit

We hired our "teacher" to travel with us for a couple weeks. Then we hired her to watch our kids for a couple years. We paid better than the daycare, the job was easier and we still paid less than paying for daycare. Complete win all the way around except for the school that lost a valuable employee...
by bampf
Thu Aug 01, 2019 8:08 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 3779

Re: Vanguard Frustrations - No Free Trades/Matching Offers

I haven't made any trades. That's the point. I wasn't asking for a refund. I think at this point, I'm going to send my very small lots to DAF (so no trade fees), and larger lots just eat the $7 fee or wait 9-12 months until I'm over $500k in Vanguard funds for $2 trades. Think about opportunity cos...
by bampf
Thu Aug 01, 2019 4:21 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 3779

Re: Vanguard Frustrations - No Free Trades/Matching Offers

I don't think you are being petty, selling lots of little amounts of shares can add up quickly. That being said, I don't necessarily disagree with what Vanguard said or did. You are $30K short of the threshold. Trivial sum, representing a 6% shortfall. Should the threshold be 6%? 10%? 7.5%? 5%? Wha...
by bampf
Thu Aug 01, 2019 4:12 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 3779

Re: Vanguard Frustrations - No Free Trades/Matching Offers

I don't think you are being petty, selling lots of little amounts of shares can add up quickly. That being said, I don't necessarily disagree with what Vanguard said or did. You are $30K short of the threshold. Trivial sum, representing a 6% shortfall. Should the threshold be 6%? 10%? 7.5%? 5%? What...
by bampf
Thu Aug 01, 2019 9:32 am
Forum: Personal Investments
Topic: VTI and call it a day?
Replies: 9
Views: 1469

Re: VTI and call it a day?

Yup..
by bampf
Wed Jul 31, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Personal Cloud Storage NAS - I'm Interestd!
Replies: 10
Views: 854

Re: Personal Cloud Storage NAS - I'm Interestd!

For that device, it's just local storage with a web server that allows you to access it over the web. If your phone was destroyed, the files would be on the storage. If the storage is destroyed, your files are still on your phone. If both are gone, so are your files. It is not magically loading tho...
by bampf
Tue Jul 30, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Photo retouching services
Replies: 12
Views: 785

Re: Photo retouching services

There are a number of labs out there that can and will do the editing for you. If you google photo retouch, mpixpro comes up quickly and they do good work. The other thing you may consider is your local high end camera store. A lot of these places used to do development work and they can import your...
by bampf
Tue Jul 30, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5081

Re: Capital One data breach

Sure. I don't really write paper checks any more. That being said, nothing really prevents the organization that gets the ACH or EFT from storing that data, which defeats the purpose. I guess one approach is explicit (I push) and the other is implicit (they pull). I would rather I push then they pul...
by bampf
Tue Jul 30, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: F150 Repair advice
Replies: 39
Views: 1903

Re: F150 Repair advice

Jack FFR1846 wrote:
Tue Jul 30, 2019 11:16 am
AZAttorney11 wrote:
Tue Jul 30, 2019 10:57 am

Pickup drivers disagreeing on which truck is best? Impossible!!!
This is Bogleheads. I'm waiting for someone to say to just get a Tesla. Or a 5 year old, beige Camry. Either way.
Tesla is making a truck soon. Hold out.
by bampf
Tue Jul 30, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5081

Re: Capital One data breach

Don't allow pull efts from your master checking account. Is it possible to lock a checking account against efts and ach transfers, or do you mean don’t link your master checking to other accounts and actively give your routing and account number out on eft forms? The latter. I should have been more...
by bampf
Tue Jul 30, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5081

Re: Capital One data breach

Don't allow pull efts from your master checking account. Is it possible to lock a checking account against efts and ach transfers, or do you mean don’t link your master checking to other accounts and actively give your routing and account number out on eft forms? The latter. I should have been more...
by bampf
Mon Jul 29, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5081

Re: Capital One data breach

Lock your credit. Run a password keeper with a sophisticated password generator. Monitor your cc accounts. Don't give your social security to the dentist because he wants it and check your credit reports regularly. Don't allow pull efts from your master checking account. Insist on notification for p...
by bampf
Sat Jul 27, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2727

Re: WiFi speed, is this normal?

OK, I just lost a reply after about 30 minutes composing it. :oops: Here is a shortened version... I like the Google mesh system but I have never had an issue using a single router in my home, as far as distance issues. I also need more LAN ports, which I suppose I would need to add a GIG switch? T...
by bampf
Sat Jul 27, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2727

Re: WiFi speed, is this normal?

Intermittent buffering of a movie could also be due to slowness on the host side (the streaming server) or congestion anywhere in the internet between the streaming service and you. Anecdotally, I often saw this on Netflix when I had CenturyLink as my ISP, even though a speed test showed 10 times t...
by bampf
Sat Jul 27, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6460

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

<snip> Pepper spray is probably the best bet. There's a reason police use it. But as others have mentioned, you will likely be harmed by it as well. And it will basically just buy you time to get away, at best. <snip> My buddy knew nothing about guns, so he came to me for advice. I took him to Walm...
by bampf
Sat Jul 27, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6460

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

Self defense is a bit of a tricky thing. If you have a weapon, you should make sure you are pretty good with it. I absolutely wouldn't recommend a handgun unless you are very skillful. Even then, practice a lot. I you were to use a bat, knife or other mundane attempt to protect yourself, you really ...
by bampf
Fri Jul 26, 2019 1:21 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7081

Re: MBA worth it?

Is MBA worth it for someone with the following attributes? - Current age 23 - Current comp package $215/yr - Cost of MBA - $200K (Tuition) + $450K (Lost income) = $650K I think it makes sense to do from top 10 college otherwise don't go for it. Thoughts? Get a masters degree. Its two year of your l...
by bampf
Fri Jul 26, 2019 12:50 am
Forum: Personal Finance (Not Investing)
Topic: How do you move past old financial mistakes?
Replies: 57
Views: 4758

Re: How do you move past old financial mistakes?

I have also made the same "mistakes." If only I... If I had... But, wait, what about this.... At the end of the day I have a house I love, kids that (mostly) love/like me, a wife that doesn't take my $hi....stuff and a career that was useful and valuable. I brought joy to some people's lives. I help...
by bampf
Thu Jul 25, 2019 5:02 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18491

Re: Laid Off - Want to Retire / Am I OK

Yes, you can probably afford to retire now. Probably? $6MM and only probably? Assuming zero growth/downturn he can withdraw $16,666 a month or $200K a year for the next 30 years. That's if it stays flat. At even nominal growth OP can do better than that. It baffles me when someone with $6MM in asse...
by bampf
Thu Jul 25, 2019 11:48 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18491

Re: Laid Off - Want to Retire / Am I OK

Yes, you can probably afford to retire now. Probably? $6MM and only probably? Assuming zero growth/downturn he can withdraw $16,666 a month or $200K a year for the next 30 years. That's if it stays flat. At even nominal growth OP can do better than that. It baffles me when someone with $6MM in asse...
by bampf
Thu Jul 25, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Car Check Engine Light
Replies: 29
Views: 1369

Re: Car Check Engine Light

Then Google that code and your car model and year to see what has been said on other forums about that code on your car. This is exactly what you dont want to do. You will end up down the biggest rathole taking random internet advice on car repair. Some websites are pretty decent about troubleshoot...
by bampf
Wed Jul 24, 2019 8:05 am
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2716

Re: Who has the best (easiest) Donor Advised Fund

+1 on Vanguard. Worked fine. Set it up quickly, transfer was quick and distributions were easy.
by bampf
Tue Jul 23, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: New job at 59....scared but excited but questions
Replies: 11
Views: 1318

Re: New job at 59....scared but excited but questions

If you are taking it for money, you have to do the risk premium calculation. You are trading risk for $18K. However, I have no idea how much you make or what your current financial situation is. If the math makes sense, cool. If the job sounds fun and you don't care about the math, cool. If the math...
by bampf
Mon Jul 22, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 8883

Re: C8 Corvette - who is buying?

If one wants to go fast quickly, I doubt it's a match for a Tesla, which one can get for the bargain price of around $40K. Just to clear your doubt, Telsa Model 3 has 5.6 seconds 0 to 60... It's slow. If you pay up $56k for a performance package, you'll get 3.2 seconds but still get smoked by the n...
by bampf
Mon Jul 15, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 11177

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

As a healthcare risk manager, I am often called to the bedside for a consult when a patient is brought in and there are no living or available relatives, guardians or even friends involved in their care or their life, or the family members do not agree on what should be done. If I could wave a magi...
by bampf
Tue Jul 09, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6013

Re: Employers asking salaries

I went down the path of not disclosing my current salary when being recruited to another company several years ago. I was excited about this company and thought the role was a good fit. They ended up offering me half of what I was making at the time. The company who was recruiting me acted offended...
by bampf
Tue Jul 09, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8973

Re: Who cuts your hair? And for how much?

A local stylist. She charges $35. I generally give her a c-note cause I had to work stupid hard when I was young. I also give my house keeper a two month bonus at the end of the year. Working hard is hard. When you have done alright, you share when you can.
by bampf
Mon Jul 08, 2019 8:15 am
Forum: Investing - Theory, News & General
Topic: Historically has it been bad to withhold further contributions 8 years after the beginning of a bull market?
Replies: 36
Views: 3639

Re: Historically has it been bad to withhold further contributions 8 years after the beginning of a bull market?

OP, Unless a person is 100% stock, why does any of this matters? And, if a person is 100% stock, the person should not do this in the first place. <snip> In summary, the correct lesson should be someone should never be 100% stock. KlangFool Hi Klang, I agree with the first point about this only bei...
by bampf
Fri Jul 05, 2019 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6013

Re: Employers asking salaries

If you are cagey about it, then you are not the right fit. --Bampf The problem is that is 30% of the companies are like you, just looking for a good fit, and 70% of the companies are looking to get the employees at the lowest salary possible. So, if we're cagey, it's because the standard company tr...
by bampf
Fri Jul 05, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6013

Re: Employers asking salaries

There’s more room for negotiation if going directly and no recruiter involved. Somewhat true? I have very little experience with that and its a pretty unanswerable question. It simply depends. Put another way, for us, even if you have your aunt negotiating, the package is going to be largely the sa...
by bampf
Thu Jul 04, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6013

Re: Employers asking salaries

There’s more room for negotiation if going directly and no recruiter involved. Somewhat true? I have very little experience with that and its a pretty unanswerable question. It simply depends. Put another way, for us, even if you have your aunt negotiating, the package is going to be largely the sa...
by bampf
Thu Jul 04, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6013

Re: Employers asking salaries

In the tech world I generally lead with salary expectations so we don't waste each others time. There is no point in going through half a dozen interviews if the job range is never going to be satisfactory. Contrary to some folks experience, I want to set the salary so it is not a dissatisfier. When...
by bampf
Thu Jul 04, 2019 1:41 am
Forum: Personal Investments
Topic: Ok, I'm taking 20% off the table
Replies: 9
Views: 2446

Re: Ok, I'm taking 20% off the table

Its an interesting question--> When do you take profits and what do you use it for? I just liquidated a bit to pay off a loan. Lots of people will argue that its better to be in the market. A lot of others will say pay it off and be done. No right answer, but, I sold in April, felt great for two mon...
by bampf
Thu Jun 13, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 396
Views: 34117

Re: Selling home- Demanding Buyer (Repairs)

I offered buyer the amount of written estimate $13,500 (be reduced from the purchase price) and provided a copy of the written estimate. Seller came back with this: It is unfortunate that the septic field requires replacement and more so that it is apparently an unusual installation. I can offer on...
by bampf
Sat Jun 08, 2019 11:05 am
Forum: Personal Investments
Topic: How am I doing?
Replies: 13
Views: 1127

Re: How am I doing?

HEDGEFUNDIE wrote:
Sat Jun 08, 2019 11:01 am

For married filing jointly 32% bracket is $315-400k. I would guess up to 450k gross income. All-in housing costs are probably around $85k. I'd consider that affordable.
Absolutely correct! Sorry, was looking at Single I suppose.... Still rich for my blood, but, doable for the motivated...
by bampf
Sat Jun 08, 2019 10:54 am
Forum: Personal Investments
Topic: How am I doing?
Replies: 13
Views: 1127

Re: How am I doing?

I dunno if I would change anything because I don't know enough about your income to expense ratio to say if you ware doing well. $1.2MM in debt would freak me out. Thats like $40K a year just in interest. I don't know if you are saving enough, if you are house poor or living below your means. I woul...
by bampf
Fri May 31, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39234

Re: For those who earn $500k+ per year. How'd you do that?

Spouse works 60 hours a week, 7 days a week, including while on vacations, and that would be considered a pretty light week. Spouse travels 75+% of the time, we're rarely in the same state together, often not in the same country or time zone. We have averaged about 24-48 hours a week together (incl...
by bampf
Mon May 27, 2019 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4086

Re: Unemployment OVER ! New job dilemma

$115K delta. Why are we still talking? (Ex details that would mitigate this as a reasonable discussion).
by bampf
Sun May 26, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 17144

Re: Are you on Facebook?

The final straw was FB’s decision that manipulated video is acceptable. A pox on them. I agree with you. And more importantly, if you participate in FB, knowing what you now know about how they manipulated data, tolerated the weakening of our democracy and tacitly agree to the kind of shenanigans t...
by bampf
Wed May 22, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: A thought exercise
Replies: 13
Views: 2255

Re: A thought exercise

On April 10th of 2018 the price of VTI was $136. Today it is $146. Nobody knows nothing. Let it ride....
by bampf
Thu May 16, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4859

Re: Update Now or One More Year?

Got home from work and decided to go ahead and try to start the retirement process. I filled out all of the documents online and hit submit. The pension amount on my documents looks as if I am going to receive the extra year of pension credit. The amount matches the amount I modeled that included t...
by bampf
Thu May 16, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4859

Re: Now or One More Year?

Will you lose your job if you don't take this offer or can you stay for another year? <snip> ...of course I understand if I leave that will leave a hole in the local group that won't be filled so I understand the realities. Thanks This is a fascinating thread. Thanks for posting. It suddenly occurr...
by bampf
Thu May 16, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4859

Re: Now or One More Year?

An extra $1000 a year works out to $2.73 a day. If you are so tight that this matters, you can't afford to retire. Probably ever. If you want to work, great. If you want to add to your accounts, great. If you get hit by a bus tomorrow, are you annoyed? LIfe happens pretty quick. My Dad passed insta...
by bampf
Thu May 16, 2019 2:47 pm
Forum: Investing - Theory, News & General
Topic: Undisclosed Fees with "Market on Close" Orders
Replies: 23
Views: 1368

Re: Undisclosed Fees with "Market on Close" Orders

I think that sort of depends on what you mean by reasonable and safe. Of course it does, but avoiding market orders because you're afraid of a "flash crash" is essentially like not taking the dog for a walk because you're afraid of being hit by a meteor. I always set a limit price at or near Market...
by bampf
Thu May 16, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4859

Re: Now or One More Year?

If you retired today with the extra 1 year pension credit versus retiring in one year, would there be any difference in your pension? If I work an extra year my pension if I get the standard salary increase would be an extra $1000 a year for the rest of our lives. No COLA on the pension. Thanks An ...