Search found 133 matches

by taguscove
Mon Apr 16, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6067

Re: Owners Title Insurance - Super Heavy Handed Pitch

[(removed) --admin LadyGeek] First American Financial Corp is one of the largest title insurers. https://www.google.com/finance?q=faf Page 103 of the 10k annual report: The company discloses an operating profit margin in excess of 85%. Life is rough when there's audited financial statements require...
by taguscove
Sat Mar 24, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Indoor plant recommendations
Replies: 6
Views: 534

Re: Indoor plant recommendations

Snake plants. Looks good, nearly impossible to kill. For comparison, we also bought a peace plant at the same time. Our incompetence killed our peace plant in three months. Our two snake plants are still doing great.
by taguscove
Sat Mar 24, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11538

Re: Underrated places to visit in U.S.?

Definitely new York city. It is the most visited destination in the USA by a large margin. Plenty of people drop in for a weekend and get an uninformed impression of the array of cultural and visual wonders. Based on the sheer number of aggregate negative reviews, NYC is the most underrated.
by taguscove
Sat Mar 24, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22711

Re: Anyone Deleting Facebook?

Wow some real sampling bias going on here or the Bogle head forum population is completely disjoint with my friend population. Facebook is the defacto connection channel for anyone 35 and under. Removing it is about as practical as deleting my web browser or email.
by taguscove
Sat Mar 17, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: unlocked phone on verizon
Replies: 8
Views: 655

Re: unlocked phone on verizon

I make an extra effort to buy unlocked Verizon phones. The exact capabilities without the Verizon bloat are.
by taguscove
Fri Mar 16, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: What if investment bank goes under?
Replies: 16
Views: 1430

Re: What if investment bank goes under?

Fidelity is a buy side financial firm. Minimal systemic risk, unless they commit outright fraud or coming less finds. See Bernie madoff and the small impact beyond the immediate investors. It is the actual banks that are systemically dangerous. For every $1 equity, they take $5 in deposits to make m...
by taguscove
Tue Mar 13, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5131

Re: Bicycle Commuting in LA - Thoughts?

So much great content from people on this board. I started full-time bike commuting in Boston 2 years ago, and it has been a life changing positive experience. More than fitness, there's a feeling a freedom when everyone else is stuck in their car. Ironically, I feel stressed driving the same route ...
by taguscove
Sun Mar 11, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Server Changed TIP amount - 3rd time in a month
Replies: 50
Views: 4897

Re: Server Changed TIP amount - 3rd time in a month

I put a very generous tip 50+% never had the tip increased in my life. Life is short, and those with plenty should spread the karma.
by taguscove
Sun Mar 11, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6050

Re: Huge special assessment on Condo?

As a current board member, I have learned to really focus on the board. Read the meeting minutes and talk with someone on the board. Are they competent? If so, ask them about the expected cost range. Management competence is most important.
by taguscove
Thu Mar 01, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 72
Views: 5778

Re: Can we afford to stay in HCOL area?

If you like your jobs, make good money, and enjoy the Bay Area go ahead! $1.5-2.0 million is just fine. I left the Bay Area two years ago, and miss it; no other place in the world like it with good weather and innovation. People who haven't been here don't get it.
by taguscove
Wed Feb 28, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 4348

Re: "FREE" Employer Group Life - Really Costs You !

It is interesting to me that people would opt out of a life insurance benefit. Dying seems like a major negative loss to me, and getting paid a huge sum of cash is a way to make a bad situation better.
by taguscove
Wed Feb 28, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8084

Re: Physical cash

About $2000, $200 in my wallet. I use far more cash to pay for purchases than a few years ago. Many of my favorite restaurants and shops are locally owned small businesses. I know they pay substantial credit card fees so I try to pay with cash. CVS, burger King, and other big corps I have no problem...
by taguscove
Wed Feb 28, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38103

Re: What UN-frugal thing do you do?

I throw all my change in the tip jar, or trash can if none is available. I dislike having to carry around change and counting out the small denominations is a waste of time for me. I do get funny looks from people, especially in front of airport screening.
by taguscove
Wed Feb 28, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase advice
Replies: 9
Views: 1079

Re: Home purchase advice

The home purchase seems excellent if the quality of housing is anything comparable to your current rental. 1200 a month rent is close to $15k a year. $144k purchase price /$15 is about 9.5 price to rent. A lower number is more attractive to purchase. Many major coastal cities have a ratio closer to ...
by taguscove
Sun Feb 18, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 9
Views: 883

Re: Old 401k Statements

No, all that matters is the current balance

[edited to remove content]
by taguscove
Sun Feb 18, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: The CFA Designation
Replies: 32
Views: 3763

Re: The CFA Designation

[edited to remove content]
by taguscove
Sun Feb 18, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Best place to buy contact lenses online
Replies: 7
Views: 723

Re: Best place to buy contact lenses online

Buy from a website based outside the United States. The pharmaceutical companies literally charge 3x the price to US pharmacies because United States is a high income country with very weak buyer power. My cousin is an executive in the pricing department of a major US contact brand, and USA is the d...
by taguscove
Sun Feb 18, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ok, so I paid off my car...now what about auto insurance?
Replies: 7
Views: 1252

Re: Ok, so I paid off my car...now what about auto insurance?

Insurance is a form of lottery that pays off when you get into an accident. Check with a few insurance companies and understand the coverage rates. Buy if you expect your risk is higher than the coverage rate. For example, I've never been in an accident but know that I'm a worse than typical driver....
by taguscove
Thu Feb 15, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2674

Re: Used Chevy Volt - Which year should I look at?

Seems to me the person talking about end of life battery doesn't know what they're talking about. The battery life issue just doesn't exist with Volts. 2011-2013 leafs had the issue under extreme hit conditions. Volt running engine below 40 degrees is real. Battery range cut from 40 to 20 miles in c...
by taguscove
Wed Feb 14, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2674

Re: Used Chevy Volt - Which year should I look at?

I own a 2014 Chevy Volt base and love it. I can't imagine returning to a conventional car after owning one. The 0-30 mph responsiveness is really a great driving experience. You really can't go wrong with any year. Just find the best value for your price range. Used volts have held up well, unlike N...
by taguscove
Sun Feb 11, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1399

Re: Flat tire replacement

Good advice from the mechanic. I recently had a similar situation and decided to replace all 4 at 25k miles, because the other tires were beginning to show dry rot. The auto manufacturers got rid of the spare tire for fuel economy and largely replaced them with tire inflators. I'm a big fan of the t...
by taguscove
Mon Feb 05, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15667

Re: Can't signon to Vanguard

Vanguard is apparently getting crushed by client traffic. Just received multiple 500 server errors. While this instance may not be a specific problem for you right now, the fact that Vanguard has issues handling client traffic should be a general concern.
by taguscove
Sun Feb 04, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Request perspective on career, life, and finance
Replies: 16
Views: 3496

Re: Request perspective on career, life, and finance

In my experience, large pay increases largely come from switching employers. In companies, managers have a hard time differentiating employee performance and raises tend towards mediocrity. Boston is a hot job market right now. I would look around for jobs. Your job growth desires sound really grand...
by taguscove
Sun Feb 04, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16438

Re: Blood in the water- buying?

If you're looking for blood in the water situation, I would wait for a major geopolitical event. War in Korea, Indian Penninsula, general nuclear war, etc. Once the Dow goes to zero, it can only go up from there.
by taguscove
Sun Feb 04, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Recovering from a "draw down" on 7-10 year US Treasuries
Replies: 15
Views: 1680

Re: Recovering from a "draw down" on 7-10 year US Treasuries

Yes, duration is an ideal measure of interest rate risk. The main other risk of bonds is credit risk, which isn't an issue with sovereign bonds that can print their own money.
by taguscove
Fri Feb 02, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 6620

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

Lol, the obvious TSM I am aware of is the professional League of Legends team Team Solomid. With over 20 million followers, they've established themselves as the top North American team through consistent play and split pushing effectiveness. However, TSM has floundered on the global stage against b...
by taguscove
Thu Jan 25, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1831

Re: Machu Picchu and Galapagos in late March 2019

My wife and I took a 2 month tour through South America in 2013. We did Galapagos first, then flew to Cusco. Galapagos is the single most impressive travel destination I have ever experienced in my life. Having wildlife walking up you to with curiosity and zero fear was .... wow. My wife really enjo...
by taguscove
Tue Jan 09, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2398

Re: Car recommendations needed for growing family

Another vote for a minivan.

If you get a second car, I suggest an efficient and compact car like the Chevy Volt, Toyota Prius, Nissan Leaf, or really any compact sedan.
by taguscove
Thu Dec 07, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4924

Re: When Bitcoin blows-up

Bitcoin is blowing up today.

If you didn't buy Bitcoin earlier, you would have avoided the fallout. If you did buy earlier, you're now rich. I prefer the fallout.
by taguscove
Thu Dec 07, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1998

Re: SSN on job applications

Come on now, your social security number, your date of birth, your credit card number, your driver licence number, your place of birth, your home address, your cell phone number, etc, all this is out there for anyone to purchase for just a few bucks. Welcome to the information super highway, this t...
by taguscove
Fri Oct 13, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3861

Re: Gold ETF

Gold should be thought of as a currency that does particularly well during a market flight from risk. I find it amusing how most Bogleheads swear by diversifying their market risk position, yet keep their cash position completely undiversified in US dollars or dollar denominated instruments. GLD and...
by taguscove
Sun Oct 08, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1932

Re: What do you do with your empty inkjet cartridges?

Throw them in the trash; it's the American way. I used to hold things like cartridges and batteries for recycling, but the situation just cluttered the house and my attention. Now I stopped bothering and throw them in the trash.
by taguscove
Sun Oct 08, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: 3x gross income = house purchase price, should interest rate be taken into account?
Replies: 26
Views: 2672

Re: 3x gross income = house purchase price, should interest rate be taken into account?

I'm surprised that someone hasn't mentioned the little known but powerful "zero" rule. No home purchase allowed until you are retired, report zero income, and can pay for the house in cash! The level of conservatism I see on Bogleheads.org cracks me up :) 3x is fine but simplistic for all the reason...
by taguscove
Wed Sep 27, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax saving strategies for DINKs
Replies: 47
Views: 4734

Re: Tax saving strategies for DINKs

I'm in a similar situation. A W-2 income is a very simple and easy target to tax. Due to the simplicity of the taxation, such income is highly taxed with few options to avoid taxes. That said, you still have some options. 1. Buying a house with a mortgage is an impactful choice, but not in the time ...
by taguscove
Mon Sep 25, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 51
Views: 5672

Re: Comfort level re: tracking at physical shopping centers

Agreed that privacy is essentially dead. Five years from now, the main countermeasure will be to avoid internet connected device, urban centers, and other people who have internet connected devices. It's a sacrifice that I doubt many would choose. As of 18 months ago, machine learning algorithms (sp...
by taguscove
Sun Sep 24, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 7961

Re: Tipping question....Applebees

The main problem is that Americans still tip. Tipping is an antiquated and unnecessary step in the dining experience that adds zero value. It creates big disparities in pay between the front and back restaurant staff.
by taguscove
Fri Sep 22, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 10060

Re: Age you retired

Retired at 24. Almost any work out of college is a grind, and I took the chance to retire after receiving a substantial inheritance.
by taguscove
Fri Sep 22, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5374

Re: Asking for no wedding gifts

I'm with Gill. Cash only is not classy. There is a lot of etiquette involved with weddings. No gifts might even offend some people that want to give you a gift. There seems to be differing opinions. Maybe easiest to accept whatever gifts people give you and throw away the rest. Cash is pretty compa...
by taguscove
Fri Sep 22, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5374

Re: Asking for no wedding gifts

maybe "cash gifts required"????
by taguscove
Fri Sep 22, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5374

Re: Asking for no wedding gifts

Gill wrote:
Fri Sep 22, 2017 8:44 pm
taguscove wrote:
Fri Sep 22, 2017 8:40 pm
I suggest printing "cash gifts preferred" on the wedding invite or e-mailing separately.
:thumbsdown :thumbsdown :thumbsdown
Gill
troll reply
:thumbsdown :thumbsdown :thumbsdown
by taguscove
Fri Sep 22, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5374

Re: Asking for no wedding gifts

Giving gifts is embedded in American wedding culture. We were married this year, requested cash preferred, but still received many physical gifts. I suggest printing "cash gifts preferred" on the wedding invite or e-mailing separately. Any gifts you still receive can be donated or thrown away.
by taguscove
Thu Sep 21, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 33
Views: 2748

Re: Tenant wants to break contract. How much to pay an attorney?

Find out the opposing counsel, and get one at least as reputable/expensive. Lawyer up, it's the American way.
by taguscove
Thu Sep 21, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 5844

Re: How to deal with Amazon purchases with Mint.com??

If you have prime, just buy each purchase individually and have it shipped separately. Nothing quite like a $1.50 item with an $8 shipping cost.
by taguscove
Wed Sep 20, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 6129

Re: Getting (young) kids interested in coding

My parenting tips for a 6 year old: - Turn off the TV (and yes, that includes Youtube) - Send them outside to play Best idea yet. A counterpoint. I was playing over 8 hours of computer games through middle school and high school from 3-11PM daily. Didn't mix with other suburban kids and school was ...
by taguscove
Mon Sep 18, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 21
Views: 2172

Re: Super Nintendo Classic edition

Humans perform so poorly compared to scripts for purchasing : (

A while loop can continually ping a dozen retailer sites for availability ten times a second. Then checkout with a distributed payment and shipping list. I personally wish it weren't so unbalanced.