Search found 352 matches

by MrJones
Tue Oct 15, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5489

Help me find some high quality cargo pants.

I seek the collective wisdom here in helping me find some terrific, high quality cargo pants. I want these to be my everyday go-to pants that I use for 65% for work (I work in tech, so these are fine), 25% for social settings, 10% for biking, and hiking. Ideally, I want to select one to three styles...
by MrJones
Fri Oct 11, 2019 1:25 am
Forum: Personal Investments
Topic: Vanguard - Benefits of maintaining 500K balance
Replies: 12
Views: 3027

Re: Vanguard - Benefits of maintaining 500K balance

Stock trades are a little cheaper. Only 500k to get worse pricing than other brokers. Now that's putting investors first! Indeed, that's putting investors first, and instead, charging traders. Vanguard is not the best place for traders. Their website and app are not optimized for traders either. Th...
by MrJones
Sat Oct 05, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5132

Re: Home repair - paying cash (dollar bills)

I wouldn't hire the guy at all because the reason he's doing it is to cheat & not pay taxes on his earnings. Which makes him a cheat, which means you might get cheated too, someway & somehow. Well said and I agree. Cash under the table? What happens when something is not done correctly? Or...he doe...
by MrJones
Thu Oct 03, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4366

Re: Recommendation for Carry on Luggage

Briggs and Riley has an excellent reputation and a lifetime warranty. I've used a version of this and been very happy: https://www.amazon.com/Briggs-Riley-Hardside-Spinner-Graphite/dp/B00JFB584S/ (There are some bad reviews but a lot of them seem to be buyers who bought this thinking it was a large...
by MrJones
Sun Sep 29, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6589

Re: Do you know what your partner spends money on?

It would really be helpful to have a holistic view across all the accounts but at the same time, I don't want to sound controlling when I ask to see my spouse's credit card statement. The key thing here is, you should understand your spending as a couple. Have you and your spouse agreed on this? If...
by MrJones
Mon Sep 09, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3761

Re: Going desktop-less?

tibbitts wrote:
Sun Sep 08, 2019 7:36 pm
2commaBH wrote:
Sun Sep 08, 2019 7:15 pm
In today's age, desktops seem so bulky/antiquated, but having one seems to give me a sense of security!

Thanks!
A desktop shouldn't give you a sense of security.
You can throw a desktop at an intruder and get much better results than a laptop...
by MrJones
Sun Sep 01, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6212

Re: How to help niece improve her driving

OP, does she want to be a better driver? I won’t get in a vehicle with 99% of the people I know, regardless of age. Most whimsical drivers forget they are in charge of a 2 ton weapon. While more expensive, I would recommend she take a road course with an instructor. Understanding what even a modest...
by MrJones
Sat Aug 31, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5226

Re: we have technology

Bogle7 wrote:
Sat Aug 31, 2019 10:14 pm
I have not balanced a checkbook register in over 40 years.
What is the point?
This. All I do is skim the bank or credit card statements each month to ensure I recognize the debits.

A service like mint or yodlee can auto archive for posterity, and auto classify for expense analyses.
by MrJones
Sat Aug 31, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: for those diy’ers - how easy is it to replace an alternator?
Replies: 22
Views: 1724

Re: for those diy’ers - how easy is it to replace an alternator?

helloeveryone wrote:
Sat Aug 31, 2019 6:34 pm
Nice tip. thks! What is a core charge?
It's a deposit you pay until you return your old part to the store.
by MrJones
Sat Aug 31, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: for those diy’ers - how easy is it to replace an alternator?
Replies: 22
Views: 1724

Re: for those diy’ers - how easy is it to replace an alternator?

Every car is different. See youtube videos for your car... That said, a serpentine belt isn't hard so long as you have the right tool. Either a long breaker bar, if your car has sufficient access, or a slimmer tool like this one (https://www.harborfreight.com/Serpentine-Belt-Tool-Kit-63689.html). T...
by MrJones
Sat Aug 31, 2019 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Any Bay Area companies hiring part-time remote programmers?
Replies: 23
Views: 2215

Re: Any Bay Area companies hiring part-time remote programmers?

I'm surprised how high some of the software engineering salaries can get in the Bay Area (mid-six figures or more) Is this really true? Many somewhat similar posts make it sound like most programmers with a few years of experience make half a million a year at FAANG and the likes. I'm not saying yo...
by MrJones
Sat Aug 17, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 137
Views: 19431

Re: The One-Fund Portfolio as a default suggestion

One common approach to estimating in the face of uncertainty is to analyze a couple of likely outcomes. Another is to determine the range. It's hard to take any proposal seriously if a basic analysis is refused on the basis of uncertainty. The thing is this: mathematics tell us that a mirrored allo...
by MrJones
Sat Aug 17, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 137
Views: 19431

Re: The One-Fund Portfolio as a default suggestion

Interesting. What is the cost of mirroring, which is a necessary component of the strategy? I.e. the cost of not doing https://www.bogleheads.org/wiki/Tax-efficient_fund_placement ? I'd be curious to see an analysis. The future is uncertain . Investor circumstances change. Tax laws change. Etc. Do ...
by MrJones
Sat Aug 17, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 137
Views: 19431

Re: The One-Fund Portfolio as a default suggestion

Interesting. What is the cost of mirroring, which is a necessary component of the strategy? I.e. the cost of not doing
https://www.bogleheads.org/wiki/Tax-eff ... _placement ? I'd be curious to see an analysis.
by MrJones
Tue Aug 06, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Need a Printer!
Replies: 21
Views: 1390

Re: Need a Printer!

https://www.usa.canon.com/internet/port ... kjet/mx922

Bonus: very inexpensive aftermarket cartridges.
by MrJones
Mon Jul 29, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 4267

Re: VOIP - what do you use?

I'd hesitate to call it "totally free." When a product appears so, it's usually because you are the product, as the saying goes. If personal data privacy is something you value now or might in the future, that one reason to consider switching. Another reason is to get high quality codecs, which I fi...
by MrJones
Fri Jul 26, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7552

Re: Long commute: how to manage?

I'd ask: What's the *net* pay cut? After taxes and after commute costs (new car, fuel, etc.) How much do you value individual and family happiness? I'd also think harder about alternatives: how can you define a career path to quickly reach your desired seniority in a job that's very close to where y...
by MrJones
Thu Jul 25, 2019 2:26 pm
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2554

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

Ok, since you quoted statistics I believe you now. This might explain a lot. Why not look up statistics yourself on the advice you're getting from the collective wisdom here, instead of rejecting it like you initially rejected the statement about planes being safer? You might end up better informed...
by MrJones
Thu Jul 25, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Does your bank charge fees for personal ACH transfers to other banks?
Replies: 32
Views: 1840

Re: Does your bank charge fees for personal ACH transfers to other banks?

DaftInvestor wrote:
Thu Jul 25, 2019 11:32 am
Not for me. You should switch banks.
+1. Pick a bank that doesn't have a nickel-and-diming philosophy. ACHs cost a bank *way* less than paper checks, FYI. Ally is a good option.
by MrJones
Tue Jul 23, 2019 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house - bay area
Replies: 102
Views: 6605

Re: Buying a house - bay area

Goal33 wrote:
Tue Jul 23, 2019 12:24 am
snackdog wrote:
Mon Jul 22, 2019 9:17 pm
Pick three -
1. large home
2. Modern fancy design
3. Best location for work and school
4. Financially safe
OP is in the SF Bay Area -- so it's more like "Pick one" :moneybag :(
Hahah. This would be a lot funnier if it weren't true.
by MrJones
Mon Jul 22, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house - bay area
Replies: 102
Views: 6605

Re: Buying a house - bay area

Where in the bay area is $2.5 million the cost of a 3 bedroom starter home? Are you looking in old Palo Alto? Everywhere. Here's one, 1987 sqft, with questionable wallpaper in south bay. $2.6M: https://www.zillow.com/homedetails/20233-Glasgow-Dr-Saratoga-CA-95070/19655647_zpid/ Palo Alto is more ex...
by MrJones
Mon Jul 22, 2019 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house - bay area
Replies: 102
Views: 6605

Re: Buying a house - bay area

Where in the bay area is $2.5 million the cost of a 3 bedroom starter home? Are you looking in old Palo Alto? Everywhere. Here's one, 1987 sqft, with questionable wallpaper in south bay. $2.6M: https://www.zillow.com/homedetails/20233-Glasgow-Dr-Saratoga-CA-95070/19655647_zpid/ Palo Alto is more ex...
by MrJones
Sat Jul 20, 2019 5:15 pm
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 66
Views: 9892

Re: A little discouraged with earnings, is it really this slow?

1. Congrats on getting started early! 2. Numbers don't lie. Compute your IRR, and project your savings and growth into the future to get a feel for compounding. 3. You invest to ensure your money doesn't get eaten by inflation, not to become wealthy. You become wealthy by saving. Which leads to... 4...
by MrJones
Fri Jul 19, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 289
Views: 22356

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

However, in a LCOL area I have witnessed wealth and wealth accumulation beyond my wildest dreams. Several with high 9 and 10-Figure wealth. Invited (me) to sitting President luncheon fundraiser at their house wealth. Hard to believe, given that most *entire states* have 5 or less billionaires. http...
by MrJones
Fri Jul 19, 2019 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard says VTI is more tax-efficient than VTSAX
Replies: 32
Views: 3410

Re: Vanguard says VTI is more tax-efficient than VTSAX

I just had a call with a Vanguard Flagship representative who told me the Total Stock Market mutual fund’s distributions could be higher than the ETF’s, making the ETF more tax-efficient despite Vanguard's dual-share fund structure. It’s literally the first time I hear this. I was convinced the tax...
by MrJones
Sun Jul 14, 2019 5:41 pm
Forum: Personal Investments
Topic: Advice on what cost basis to use to sell VTSAX
Replies: 10
Views: 1321

Re: Advice on what cost basis to use to sell VTSAX

It would be easier to do FIFO, but then I will be taxed on all those short-term gains from reinvesting the dividend? You're probably confusing a few things here. Dividend reinvestment has no relevance to this issue that I can see. FIFO weillsell your oldest shares first, which is unlikely to use yo...
by MrJones
Sat Jul 13, 2019 11:11 pm
Forum: Personal Investments
Topic: Accessing funds across Vanguard accounts before settlement date
Replies: 8
Views: 757

Re: Accessing funds across Vanguard accounts before settlement date

You are trying to buy securities in a cash account that has no money. That's the definition of free riding. https://en.m.wikipedia.org/wiki/Free_riding In a cash account, a free riding violation occurs when the investor sells a stock that was purchased with unsettled funds. There is no sale here. I...
by MrJones
Sat Jul 13, 2019 5:26 pm
Forum: Personal Investments
Topic: Would you exchange VTSAX to VTI ??
Replies: 42
Views: 3707

Re: Would you exchange VTSAX to VTI ??

Rajsx wrote:
Sat Jul 13, 2019 5:22 pm
I appreciate the replies, keep them coming.
What else do you need to know? You know you might save between $25 and $227 a year. What's stopping you from making a decision as to whether the trouble is worth that much?
by MrJones
Sat Jul 13, 2019 2:51 pm
Forum: Personal Investments
Topic: Accessing funds across Vanguard accounts before settlement date
Replies: 8
Views: 757

Re: Accessing funds across Vanguard accounts before settlement date

The unsettled funds cannot leave the account, even if it’s to another account belonging to the same owner at the same brokerage. It doesn’t matter to Account A whether the funds were sent to your checking account or to Account B. Only if they stayed within Account A can you use them for new purchas...
by MrJones
Sat Jul 13, 2019 2:49 pm
Forum: Personal Investments
Topic: Accessing funds across Vanguard accounts before settlement date
Replies: 8
Views: 757

Re: Accessing funds across Vanguard accounts before settlement date

stlutz wrote:
Sat Jul 13, 2019 12:32 pm
You can't move money that you don't have out of an account.

Allowing you to trade with unsettled funds is a courtesy extended to you by your broker. They don't have to let you do so.
Looking at it that way makes sense on both those counts, thanks.
by MrJones
Sat Jul 13, 2019 12:21 pm
Forum: Personal Investments
Topic: Accessing funds across Vanguard accounts before settlement date
Replies: 8
Views: 757

Re: Accessing funds across Vanguard accounts before settlement date

Who does it make no sense? Seems like a clear cut violation of the SEC rule on free riding for a cash account. Not correct. This has nothing to do with freeriding. A violation only occurs if the newly bought ETFs are sold before the earlier sale settles. That's not the case here. Clearly, Vanguard ...
by MrJones
Sat Jul 13, 2019 3:32 am
Forum: Personal Investments
Topic: Accessing funds across Vanguard accounts before settlement date
Replies: 8
Views: 757

Accessing funds across Vanguard accounts before settlement date

Case 1: Day 0: Vanguard account A has $0 in cash, and some ETFs Day 1: I sell ETFs in Vanguard account A Day 1: I buy ETFs in Vanguard account A using the unsettled amount from the sale This case above works fine. Case 2: Day 1: I sell ETFs in Vanguard account A Day 1: I buy ETFs in Vanguard account...
by MrJones
Wed Jul 10, 2019 11:27 pm
Forum: Investing - Theory, News & General
Topic: Teleport into Roth IRA using offsetting leveraged positions?
Replies: 17
Views: 1202

Re: Teleport into Roth IRA using offsetting leveraged positions?

Interesting idea. Have you done an analysis on the benefits? IOW, how much are the potential tax savings across N years for a given base amount? How does this compare to the risk of losing tax-free space?
by MrJones
Wed Jul 03, 2019 3:30 pm
Forum: Personal Investments
Topic: Morgan Stanley's ridiculous fees, and transferring out
Replies: 7
Views: 1134

Re: Morgan Stanley's ridiculous fees, and transferring out

For ESPP accounts, anyone know if a DTC transfer from Morgan Stanley to Vanguard via DTC will include cost basis, FMV, grant date, and other such tax-related information for the transferred shares? Thank you.
by MrJones
Mon Jul 01, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 4111

Re: Question of integrity

As someone earlier posted, the culture at your current company determines a part of how this is seen. You have control over the other part of how this is seen: the way you present your case for why you're leaving. Practice this conversation with a friend. Let them know you do feel concerned about le...
by MrJones
Mon Jul 01, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6600

Re: Are you a serious DIYer?

I'm a very reluctant DIYer. In the perfect world, I'd rather either be a 0, where someone else does a perfect job each time for a very reasonable price; or be a 10, where I'm extremely handy and love fixing things. But even when you outsource, you benefit from knowing HOW to do something so you can ...
by MrJones
Mon Jul 01, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 4111

Re: Question of integrity

Piqued, not peaked.
by MrJones
Sat Jun 29, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Underpaid in bay area, seeking advice negotiating salary
Replies: 30
Views: 3703

Re: Underpaid in bay area, seeking advice negotiating salary

I recommend a 3rd option - turn down the current offer and keep looking. If you were able to secure an offer just 2.5 weeks into your job search, I feel you can find another offer where you get a similar increase, interesting and fulfilling. +1. Especially since this is your first job, I'd say this...
by MrJones
Sat Jun 22, 2019 4:35 pm
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 45
Views: 4040

Re: Getting caught up in minutia of investing-How to make things simple

Everyday I spend multiple hours reading on this forum. I thoroughly enjoy it, but then I wonder what is more important at the end of the day the fact that you put money away consistently or whether it was Roth or tax deferred. Which debt to tackle first vs just making strides to get something paid ...
by MrJones
Sat Jun 22, 2019 4:29 pm
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 45
Views: 4040

Re: Getting caught up in minutia of investing-How to make things simple

Fantastic question. Just asking the question indicates you're halfway there to simplification. The phrasing of your question makes me confident the answers are within you already. Let me ask you: what do you think is the path forward for you with respect to simplification. What would your ideal sta...
by MrJones
Sat Jun 22, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17856

Re: what was your worst major purchase? mine is a 2019 mazda3

A lighthouse! No kidding :oops: Story, please! I was the winning bidder of the Fairport Harbor West Breakwater Lighthouse in Lake County, Ohio. Holy $#@#$&, that definitely is the coolest story in this thread by far! To even think of trying to buy a lighthouse is cool, hats off to you, bubbadog. An...
by MrJones
Sat Jun 22, 2019 11:54 am
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 45
Views: 4040

Re: Getting caught up in minutia of investing-How to make things simple

Fantastic question. Just asking the question indicates you're halfway there to simplification. The phrasing of your question makes me confident the answers are within you already. Let me ask you: what do you think is the path forward for you with respect to simplification. What would your ideal stat...
by MrJones
Mon Jun 17, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Software
Replies: 29
Views: 3206

Re: Personal Capital Software

Let’s assume that your Vanguard login info from PC (or any other aggregator) has been hacked. What can the hacker possibly do with that info if you have all possible protections set up, such as: - 2FA - email notifications of every requested transaction - voice recognition I invite all realistic sc...
by MrJones
Sat Jun 15, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Compound interest for 10% interest rate?
Replies: 29
Views: 3894

Re: Compound interest for 10% interest rate?

Daily rate is 10/365
Per period growth is ((10/365 * 32) / 100 ) + 1. Call this G.
Annualized growth is G ^ (365 / 32) = 1.10469

So approximately 10.469%

Edit: fyre4ce beat me to it.
by MrJones
Sat Jun 15, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency destroyed my credit report
Replies: 19
Views: 3570

Re: Collection agency destroyed my credit report

looking wrote:
Thu Jun 13, 2019 4:43 pm
Collection agency destroyed my credit report

Anyone experience how to dispute it with the collection agency

thank you
More details please, if you want help.
by MrJones
Fri Jun 14, 2019 1:11 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6571

Re: Why are my Vanguard returns suddenly so low?

Jesteroftheswamp wrote:
Fri Jun 14, 2019 12:24 pm
It feels like I suddenly lost a huge amount of money, 3% return is TERRIBLE!
You didn't, as long as you didn't sell.

All investments involve risk. Not investing involves risks too. You'll have to determine which side of that risk equation works best for you.
by MrJones
Thu Jun 06, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Software
Replies: 29
Views: 3206

Re: Personal Capital Software

MittensMoney wrote:
Thu Jun 06, 2019 12:39 pm
Personal Capital uses a read-only API connection which is the safest way to link your accounts to anything.
The real risk is not Personal Capital's API, but that the servers on which they store your password might get compromised by a malevolent third party.
by MrJones
Wed Jun 05, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8594

Re: What flagship (even used) item is better than a budget new item?

I get manufacturer-refurbished ($2000-new) business laptops for $300. Even 3 years older, they are much quicker overall than a new budget ($400-500) computer (quad core i7s, dedicated graphics, SSD), they have an HD screen, and of course they are built like tanks, rather than out of flimsy plastic....
by MrJones
Wed Jun 05, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8594

Re: What flagship (even used) item is better than a budget new item?

Briggs and Riley suitcases. You buy them for life. You don't have to worry about them breaking down during a trip.