Search found 450 matches

by PhilosophyAndrew
Mon Oct 22, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3476

Re: What to do with >$1000 in Amazon credits?

OP, it sounds like you don’t use Amazon enough for these credits useful to you. If so, why not abandon the idea of using them for yourself and instead purchase items needed by a local charity you value?

This would help others and end any anxiety you feel about not using the credits.

Andy
by PhilosophyAndrew
Thu Oct 11, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2208

Re: tablet or small laptop for general and travel computer?

I love the Dell XPS-13 laptop for travel.

Andy.
by PhilosophyAndrew
Thu Oct 11, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5709

Re: Anyone done a Hair Transplant?

TxAg wrote:
Wed Oct 10, 2018 10:14 pm
Buzz your whole head with a #1. I think that's the best look for early balding.
This is what I do.

OP, if your balding affects your confidence so much theat your profesional growth is in jeopardy, I would confront that issue directly with a therapist or other trusted helper.

Andy.
by PhilosophyAndrew
Tue Oct 09, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3843

Re: How to get over paper loss?

I've held onto $20k company stock from my ESPP and had a paper loss of about $6-7k. Bogleheads advised me to sell it all and buy an index fund and don't try to time the market. I really didn't want to take a loss, but decided to sell $10k company stock and put it all in SCHB last week. A week later...
by PhilosophyAndrew
Fri Oct 05, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2163

Re: Carry On Luggage Recommendations

OP, what is uour budget?

If they are in your price range, I recommend the Tom Binh and Briggs & Riley brands, depending on which of their (extremely different) styles you prefer.

Both brands are well-designed and well-constructed


Andy.
by PhilosophyAndrew
Thu Sep 20, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8540

Re: Can Sneakers go with Business Casual?

I haven't read all of the other responses, however part of it depends on the industry you work in. I'm in the music industry and wear sneakers most days. Yesterday, our CEO was wearing shorts and Converse shoes. But does your office enforce a business causal dress code as opposed to permitting caus...
by PhilosophyAndrew
Wed Sep 19, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements
Replies: 28
Views: 2140

Re: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements

OP, if you find it inconvenient to have the bank statements delivered to your mailbox, you can easily change banks or rent a PO Box.

Asking the organization to change its policy seems like an exercise in frustration because your request is unlikely to lead anywhere.

Andy.
by PhilosophyAndrew
Mon Sep 17, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3473

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

If it were my daughter, I would expect her to meet with the her teacher for additional coaching and tutoring.

This is the norm at her high school, and if your daughter’s teacher is willing to work with her one-on-one, that might help maximize your daughter’s learning and intellectual growth.

Andy.
by PhilosophyAndrew
Mon Sep 10, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6103

Re: Vacation house? Need objective third party

OP, how long does your spouse plan to work in the new position? I know from family and friends that this can be a high-stress, high-burnout job, and so I recommend, first, reflecting hard and honestly avoutt how long your spouse might wish to remain in that job and, second. assessing your family’s f...
by PhilosophyAndrew
Mon Sep 10, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6103

Re: Vacation house? Need objective third party

OP, is the income you cite new? If so, how secure is it? If the income is not new, something may not add up — one would expect to see a higher net worth from a frugal family with a long-term income that high. What are your annual expenses, and how much extra expense would makigngigs purchase incur? ...
by PhilosophyAndrew
Sun Sep 09, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8540

Re: Can Sneakers go with Business Casual?

No, thst would not be acceptable. Sneakers are causal full stop — business causal is more Forman l than that.

Andy.
by PhilosophyAndrew
Sat Sep 08, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3129

Re: Is it sensible to buy a car from Elon Musk?

Sure, Musk’s behavior provides a reason to pause, as does the uncertain future of his car company. However, to me these reasons don’t have much force. Buying a car is just another purchase — it would be a bummer, but not disastrous, if Tesla fails as a company. In the meantime, my wife is really enj...
by PhilosophyAndrew
Wed Sep 05, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4794

Re: How much do you spend on kids extracurriculars?

My kids are grown now, but from my experience many parents paid all these crazy club team fees thinking their little Johnny/Sally would be the next great superstar. Rarely happens and mostly a waste of money, especially if they could have just played in a local league. I've coached multiple sports ...
by PhilosophyAndrew
Wed Sep 05, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 55
Views: 7569

Re: Tesla Model 3 Owners: Your experience so far

1. Was it worth the money? Yes. 2. Months of ownership so far? Delivered 6/1, so 3 months (slightly over 5,000 miles). 3. Still positive, negative or somewhere in between (say on a 1-5 scale, 5 being very positive / happy). 5. 4. Any big issues / surprises? Nope. 5. What was the first issue you had ...
by PhilosophyAndrew
Mon Sep 03, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7869

Re: I still use cash not credit cards should I reconsider?

Smitcat, a 2% rebate would only amount to $2,000 — the credit card ‘games’ must really pay off well if there are extra earnings to be had that will fund t least six trips!

I’m impressed!

Andy.
by PhilosophyAndrew
Mon Sep 03, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5782

Re: Does it make sense to invest in individual stocks if you stick to what you know?

I mean suppose you're a doctor or a surgeon. The guy actively managing the big Fidelity fund will know much less than you about drugs and stuff like that; he will hold 50 or perhaps 100 stocks in his portfolio in all sorts of fields and he's an expert in none of them. Thanks to your specialised pro...
by PhilosophyAndrew
Mon Sep 03, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7869

Re: I still use cash not credit cards should I reconsider?

There are 1,000,000 CC threads but the general answer is: if you'd like to go through life with a 2% discount on everything you should get a credit card. Regarding your questions about keeping track--if you're just walking around with a stack of $20s and replenishing when you are low, I can't imagi...
by PhilosophyAndrew
Mon Sep 03, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4019

Re: Neighbor Fencing question

If it is obvious that the reason the fence is being replaced is because of the encroaching tree, at worst you should pay for your half less half of the prorated value of the existing fence. For example, if a 10 year old existing fence has a 20 year life you should pay 1/2 x 1/2 for the cost of a ne...
by PhilosophyAndrew
Mon Sep 03, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3298

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

OP, surely you already know what can go wrong with limiting your investments to two stocks. What motivates this change of heart? Are you afraid that you are missing out by letting diversification lower risk? Are you so eager to improve your returns that you don’t care about the risks that you are co...
by PhilosophyAndrew
Mon Sep 03, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4794

Re: How much do you spend on kids extracurriculars?

Our family has three significant extracurricular expenses for our teenager: Competitive dance team, CTY Summer Camp, Grest Books Summer Camp. My own experiences were quite different than this — I did no programs like this but worked all Summer and part of the school year — but these programs seem to...
by PhilosophyAndrew
Sun Sep 02, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4025

Re: Gentlemen: underwear shopping question

What is your budget? If you are willing to check out higher-end products, I find these extremely comfortable: https://taniusa.com/products/swisstouch-boxer-brief-most-comfortable-mens-underwear They always have sales, and frequently discounted multipacks, so the quoted list price is fictional. Andy.
by PhilosophyAndrew
Sat Sep 01, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 71
Views: 15575

Re: Amazed by Vanguard Wellington's Performance

Congratulations on such great long term growth of your fund. But the chances of this fund outperforming the markets, for any length of time, into the future is less, and less as time goes forward. What is your rationale for asserting this? I’m interested in understanding your reasoning. Andy.
by PhilosophyAndrew
Fri Aug 31, 2018 11:58 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99273

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

If your main concern is total return, I suppose you could just invest in whichever type of equity you believe will have the best return. No one know that. However, most know which has the least chance of the most harmful outcome - unless we’re still pretending that investing in Russia and other sin...
by PhilosophyAndrew
Fri Aug 31, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99273

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Here are my thoughts on investing in international stocks. Would like to hear comments. Consider these 5 facts: 1. Diversification: Over 40% of the revenues of the S&P 500 come from international operations. So, the S&P 500 already has international covered. 2. Performance: International stocks as ...
by PhilosophyAndrew
Fri Aug 31, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a Broadway show production
Replies: 28
Views: 2442

Re: Investing in a Broadway show production

michaeljc70 wrote:
Sat Aug 25, 2018 10:56 am
Given the OPs description (huge passion, etc), I would consider this a hobby/donation rather than an investment. Maybe like when you donate to the arts, a museum, etc. I would have a very low expectation of getting the money back.
+1
by PhilosophyAndrew
Mon Aug 27, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Claw-Back from IRS of Gifted Assets
Replies: 14
Views: 2163

Re: Potential Claw-Back from IRS of Gifted Assets

OP, your estate will be taxed following the laws on force at the time of your death. Andy. It's not quite that simple/clear. If the gift exemption is $11M before 12/31/25, and you gifted that amount before that date....but the "Estate and Gift Tax Exemption Amount" is half of that after that date a...
by PhilosophyAndrew
Mon Aug 27, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Potential Claw-Back from IRS of Gifted Assets
Replies: 14
Views: 2163

Re: Potential Claw-Back from IRS of Gifted Assets

OP, your estate will be taxed following the laws on force at the time of your death.

Andy.
by PhilosophyAndrew
Sun Aug 26, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2744

Re: What to put in a care package for college student

My stepdad sent big boxes of homemade chocolate chip cookies — “Andy got another box from Ron” days were happy days in the dorm.

Andy.
by PhilosophyAndrew
Fri Aug 24, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: how much more we should put in 529?
Replies: 24
Views: 3031

Re: how much more we should put in 529?

OP, if you can afford to invest more in the 529 without compromising your other financial goals or sacrificing your desired lifestyle, I think that investing in your child’s future higher education (and perhaps her childrens’) is a marvelous way to use your surplus assets.

Andy.
by PhilosophyAndrew
Fri Aug 24, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $2+ million?
Replies: 5
Views: 1026

Re: How to invest $2+ million?

OP, it isn’t reasonable to expect to generate significantly more income without assuming some short-term risk to the value of your investments. If you wish to have the entire $2M available for spending, don’t do anything — but also realize that inflation has been and will continue to erode the purch...
by PhilosophyAndrew
Fri Aug 24, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Company 401k contbr capped as % of paycheck
Replies: 24
Views: 2044

Re: Company 401k contbr capped as % of paycheck

OP, although it is nice to max out your tax deferred space each year, it is no disaster when you find that you cannot do this. Do you receive any 1099 income from a side gig or the like? If so, you can open a solo 401k and contribute more through that account. You also have opportunities to invest e...
by PhilosophyAndrew
Fri Aug 24, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 2964

Re: What would you do - Car Question

OP, it seems fine to drive your current car seems fine to until you experience more significant issues. If you want a new car and can afford it, you can make your own decision about that. However, it seems an overReaction to allow them minor problem you experienced to drive that major decision. Andy.
by PhilosophyAndrew
Fri Aug 24, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Should I Go With Vanguard PAS After This Recommendation?
Replies: 28
Views: 2283

Re: Should I Go With Vanguard PAS After This Recommendation?

OP, I’m sorry for your loss; losing a parent is hard. To me, the decision about whether to use PAS does not tturn on portfolio construction: From what I’ve seen, any portfolio they recommend is going to be reasonable. Instead, I would make the decision about whether the service you provide is worth ...
by PhilosophyAndrew
Fri Aug 24, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7869

Re: I still use cash not credit cards should I reconsider?

OP, i would be ruthlessly pragmatic: If your limited use of credit cards works for you, carry on if you want to; If you are bumping up against limitations of using cash and want to start using credit cards more frequently, do so; If you believe that your behavior is determined by an irrational fear ...
by PhilosophyAndrew
Thu Aug 23, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in this market?
Replies: 34
Views: 3312

Re: What to do with cash in this market?

OP, what is your investing time horizon? If you are investing for a retriement that is a decade or more away, invest according to the allocations in your IPS. If you need these funds in just a few years, keep them in a savings account. If you have some intermediate timeframe, please explain Andy.
by PhilosophyAndrew
Wed Aug 22, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7336

Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]

Tiax, if I earn a degree, it rightfully goes on my resume. If I receive a speeding ticket when I am guilty of speeding, I rightfully pay it. If you believe that speeding is a serious moral failing, then I would recommend refraining from speeding. If you don’t believe that lying on your resume is a s...
by PhilosophyAndrew
Wed Aug 22, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7336

Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]

Tiax, note the distinction between erroneous confereal of a graduate degree not yet earned and “erroneous” failure to self-report every act of speeding. The scare quotes in your own example make all the difference. If ypu are willing to play fast and lose with your own integrity and the integrity of...
by PhilosophyAndrew
Wed Aug 22, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7336

Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]

Tiax, claiming to possess a degree that you know was erroneously conferrred is certainly unethical. I would think protecting the integrity of one’s resume would be especially important to one who maintains that the value of most graduate degrees is to serve as a credential on a resume. Employers gen...
by PhilosophyAndrew
Wed Aug 22, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7336

Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]

London, it’s morally correct to pay your debts and it’s morally correct to work with your University to clear up a mistakenly conferred degree.

Andy.
by PhilosophyAndrew
Wed Aug 22, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7336

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

Uh, no. The purpose of most graduate degrees is for the resume. I think he can live without having to write a thesis. OP has no duty to approach the University to rescind his degree. Wow — as an educator I’m flabbergasted by this perspective. Doesn’t the OP have a moral obligation to act with integ...
by PhilosophyAndrew
Wed Aug 22, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds
Replies: 59
Views: 7389

Re: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds

OP, does a scant three weeks’ worth of data provide us with any reason to act? Why?

I’m unclear what the point is of making this analysis now, when there is so little data to analyze.

Andy.
by PhilosophyAndrew
Wed Aug 22, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to invest as stock market is all time high?
Replies: 46
Views: 4931

Re: Is this a good time to invest as stock market is all time high?

OP, the stock markets are frequently near record highs. Even if this bull market is in its last legs, the market will once again repesredly reach new highs during The next bull market, and the one after that, and the one after that. If your investment horizon is so short that timing one particular e...
by PhilosophyAndrew
Wed Aug 22, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4387

Re: Suggestions for a Generous Grandparent?

I should add; This generosity is a wonderful thing! My own grandparents did something similar; namely committed to paying for each grandchild’s graduate education. My memory — this was over three decades ago— was that I and my cousins were extremely grateful and there was no conflict or resentment a...
by PhilosophyAndrew
Wed Aug 22, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4387

Re: Suggestions for a Generous Grandparent?

Don’t overthink this. Giving equal amounts to each grandchild fits a simple definition of fairness, and there is no need to worry about complicated measures of equality, net present value, etc.

Andy.
by PhilosophyAndrew
Tue Aug 21, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 15045

Re: The Fall of Consumer Reports

The great mystery to me is that Wikipedia is highly reliable. A study in 2005 on science articles in Wikipedia found it to be about on a par with the Encyclopædia Britannica in accuracy and in number of "serious errors." I think Wikipedia has improved since then. Something about its rules and gover...
by PhilosophyAndrew
Mon Aug 20, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5536

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

NONFICTION Charles Taylor, A Secuar Age. Immanuel Kant, Critique of Pure Reason. John Rawls, A Theory of Justice. FICTION Salmon Rushdie, Midnight’s Children. Ngũgĩ wa Thiong'o, Devil on the Cross. Gabriel Garcia Marquez, One Hundred Years of Solitude. INVESTING N/A. BH forum and wiki are super reso...
by PhilosophyAndrew
Mon Aug 20, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5123

Re: Your major and investing/finance?

Ph.D. In Philosophy. I’m not sure that any philosophical theories are relevant to the Bogleheads ‘philosophy,’ but studying this discipline can inculcate intellectual dispositions that investors might find extremely useful, including skepticism, tough-minded criticism, and posing penetrating questio...
by PhilosophyAndrew
Mon Aug 20, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99273

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

jehovasfitness wrote:
Mon Aug 20, 2018 8:06 am
down 10% for the year on the int'l fund.

considering we have decades before retirement, I assume this isn't a bad thing
And up 20% since the beginning of last year. Hardly a disaster.

Andy.
by PhilosophyAndrew
Thu Aug 16, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99273

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

OP, if you have made a principled and permanent decision to forego the extra equity diversity you could secure by investing in internatanl equities, that is perfectly fine. If, contrary to expectations, domestic equities lag international equities for a future 10-year period, will you change your mi...
by PhilosophyAndrew
Sun Aug 12, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest ~$4mm for disabled-for-life 36-yo
Replies: 22
Views: 2841

Re: How to invest ~$4mm for disabled-for-life 36-yo

How to invest is easy: A three-fund portfolio using rany set of reasonable allocations. This will be effective, inexpensive, and easy to manage. For more information, see the massive three-fund portfolio thread or Taylor Larimore’s recent book on this subject. The elephant on the room, as you sugges...