Search found 131 matches

by CollegePrudens
Sun Oct 14, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Non-profit: SMS/text based survey tool experience
Replies: 2
Views: 198

Re: Non-profit: SMS/text based survey tool experience

Rudy - thanks for taking an interest in the topic. Survey monkey is an option but email (apparently) is not. I quizzed my non-profit contacts and they said that they have tried email based surveys before. With the clients that they serve, response rates are perceived to be too low: 2.5% on a base of...
by CollegePrudens
Sun Oct 14, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker retiring.
Replies: 3
Views: 836

Re: Bob Brinker retiring.

Looks like the topic was covered previously at viewtopic.php?t=260078
by CollegePrudens
Sat Oct 13, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Non-profit: SMS/text based survey tool experience
Replies: 2
Views: 198

Non-profit: SMS/text based survey tool experience

Hi All, I was wondering if anybody had recent experience with or a recommendation for an SMS/Text based survey tool that could be used by lay people (both users and administrators of the tool). Background • I am doing pro bono work for a US based non-profit that serves people of modest means. Some o...
by CollegePrudens
Sun Oct 07, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4338

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Ughh. Even by the ultra low standards of the three credit bureaus, this is just absurd. What a disgrace.
by CollegePrudens
Sat Oct 06, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: October Bogleheads On Investing Podcast with Dr. David Blitzer
Replies: 22
Views: 2410

Re: October Bogleheads On Investing Podcast with Dr. David Blitzer

Nice job Rick. I enjoyed both the episodes. The Blitzer interview provided good insights into the sausage making of indices.

Keep up the good work!

(I left a rating ofcourse).
by CollegePrudens
Sat Sep 22, 2018 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Linking Interactive Brokers (Checking) Account to an External Bank
Replies: 8
Views: 655

Re: Linking Interactive Brokers (Checking) Account

Thank you for this experience report. Good to know - as I occasionally help an IB user with investing.
by CollegePrudens
Sun Aug 12, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Beating $55K annual 401K limit?
Replies: 15
Views: 2923

Re: Beating $55K annual 401K limit?

Interesting thread. I am in a similar situation for 2018 and getting ready to go up to the $55K limit for after-tax 401K on the 2nd employer. I have tested in-service conversions from after-tax 401K to Roth 401K and it seems to be straightforward at my employer's 401K plan (that is with Vanguard).
by CollegePrudens
Sat Jul 07, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36279

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

For those with Kindle readers who haven't picked it up yet, Taylor's The Bogleheads' Guide to the Three-Fund Portfolio is now $9.99 at Amazon- what are you waiting for? :) https://www.amazon.com/Bogleheads-Guide-Three-Fund-Portfolio-Outperforms-ebook/dp/B07DH1QYJK/ref=tmm_kin_swatch_0?_encoding=UTF...
by CollegePrudens
Mon Jul 02, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7761

Re: What are you learning or studying?

And so instead of composing a long list of the things I have been studying in the past few years, I'll mention just one: I am learning to appreciate every day as if it were the last one. This is one of the most difficult things to learn. Victoria Indeed very difficult. I am still slugging it out in...
by CollegePrudens
Mon Jul 02, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7761

Re: What are you learning or studying?

Machine learning/deep learning: doing a 3 week course at my old university in July. Readings, podcasts, on-line courses, python programming. I've been chipping away at a book called "Introduction to Machine Learning using Scikit and Tensorflow" for a while now. I have 2 CS degrees but only ever too...
by CollegePrudens
Tue Jun 05, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: self-directed solo 401 k using Vanguard pooled account, etc.
Replies: 5
Views: 656

Re: self-directed solo 401 k using Vanguard pooled account, etc.

Vanguard pooled account for self-directed solo 401 k Sophia - thanks for posting. If you learn more on the topic, please do post on this thread. I don't currently have a solo 401k but will need to get one in the near future (depending on the the timing of my transition to a 1-person 1099 consulting...
by CollegePrudens
Tue Jun 05, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: [529 as part of an overall portfolio]
Replies: 17
Views: 2094

Re: [529 as part of an overall portfolio]

CollegePrudens, Since your two 529 Plans funds (probably) have a shorter time horizon than the rest of your portfolio, didn't it make more sense for such moneys to target their own AAs and AA-Glidepaths as their respective 1st Year College approache? Can you please give an example showing what your...
by CollegePrudens
Tue May 22, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 4067

Re: Bogle featured in Barrons cover story

I don't know Jack Bogle personally (would love to meet him some day). However I have read and heard many of his interviews. He comes across as Genuinely caring for rank-and-file vanguard employees and as an advocate for small investors (like many of us on this forum) Competitive against other invest...
by CollegePrudens
Tue May 22, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 13905

Re: Teachers: what are your best personal finance tips?

Ron - thanks for maintaining such a civil tone in replying to a note that may have come across as unnecessarily aggressive. Whoever bumped this thread (A440?) thank you. Lots of good information here that I intend to come back to. Triyoda, I had to reread this thread as I made the comment you’re ref...
by CollegePrudens
Mon May 21, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8536

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Thank you all again for the advice. 4stars - I am sorry for your loss. A couple of people upthread mentioned putting your money in Vanguard's prime money market fund while you recenter yourself to make decisions. I just wanted to highlight that they are referring to VMMXX (https://personal.vanguard...
by CollegePrudens
Fri May 18, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 4067

Re: Bogle featured in Barrons cover story

On the plus side, the article (very briefly) mentions "the bogleheads".
by CollegePrudens
Wed May 16, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Philly.com: Bogleheads say Vanguard's hybrid robo-advisor can be great training
Replies: 11
Views: 2101

Re: Philly.com: Bogleheads say Vanguard's hybrid robo-advisor can be great training

...Vanguard is going to shoe-horn you into a 3-fund portfolio and rebalance quarterly... Nitpick: without actually dealing with them, I can't be sure what they would do, but I would be surprised if it is not a four -fund portfolio these days (i.e. Vanguard Total Bond Market Index Fund and Vanguard ...
by CollegePrudens
Wed May 16, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE book recommendation request.
Replies: 17
Views: 1293

Re: FIRE book recommendation request.

Thanks - I looked on Amazon and only saw the 2008 version. Or what I thought was the 2008 version. Looking again, that seems to be a mistake - the title is "Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated ...
by CollegePrudens
Wed May 16, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE book recommendation request.
Replies: 17
Views: 1293

Re: FIRE book recommendation request.

A classic / the bible for the FIRE community seems to be Vicky Robin's "Your Money or Your Life". I have not had the time to read it, but I did read that she is working on a new updated edition. The new version is out. I have read the original version 1992. OP - if you are already a boglehead and o...
by CollegePrudens
Tue May 15, 2018 11:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 11400

Re: Yes, I'm 89 all right!

nedsaid wrote:
Tue May 15, 2018 1:15 pm
You are an inspiration in that you are still active and productive at age 89. Looking forward to your new book.
+1
by CollegePrudens
Thu May 03, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11983

Re: Larry Swedroe: Financial Perils Of Old Age

The moderators want to keep the Bogleheads a family-friendly site, and so in some cases it's better to use euphemisms. Victoria At some risk of annoying the moderators, I thought I'd post a link to a New York Times article from today: https://www.nytimes.com/2018/05/03/world/australia/david-goodall...
by CollegePrudens
Sat Apr 28, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2442

Re: CA Public School Teacher - Union Dues, Pension Contribution

CalSTRS isn't that complicated. The formula is years of service x highest salary (avg. of three consecutive years if you have fewer than 25 years) x an age factor (.014 at 55, .02 at 60 and up to .024 at 63). I should rephrase. My relative unfamiliarity with CalSTRS requires some work on my part to...
by CollegePrudens
Fri Apr 27, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11983

Re: Larry Swedroe: Financial Perils Of Old Age

Another article on how doctors die: http://www.zocalopublicsquare.org/2011/11/30/how-doctors-die/ideas/nexus/ I believe that this is the same article as the one I had posted above (the one that had gone viral). I.e. different URL same content. Given its past popularity, it is likely stored in many ...
by CollegePrudens
Thu Apr 26, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11983

Re: Larry Swedroe: Financial Perils Of Old Age

You can add to your collection a link to the book referenced in the 2015 article about Sandy Bem, https://www.peacefulpillhandbook.com/about-the-handbook/handbook-options/ Thank you for the handy link. I have been meaning to read some of the even-longer-form content on the topic but hadn't gotten t...
by CollegePrudens
Thu Apr 26, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11983

Re: Larry Swedroe: Financial Perils Of Old Age

https://www.nytimes.com/2013/11/20/your-money/how-doctors-die.html I hadn't read the above article. I have now and it is in my pdf library. For those with continued interest in the topic: http://www.zocalopublicsquare.org/2011/11/30/how-doctors-die/ideas/nexus/ is an essay similarly titled to the l...
by CollegePrudens
Thu Apr 26, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11983

Re: Larry Swedroe: Financial Perils Of Old Age

Along similar lines, I recommend this article from a few years ago: https://www.theatlantic.com/magazine/archive/2014/10/why-i-hope-to-die-at-75/379329/ Why I Hope to Die at 75. (He's a staunch opponent of physician assisted suicide, incidentally.) Good read. I saved a pdf for re-reading - the seco...
by CollegePrudens
Wed Apr 25, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11983

Re: Larry Swedroe: Financial Perils Of Old Age

It’s a pity humans don’t die in the style of parakeets: singing on your perch one minute: dead on the bottom of your cage the next. I read this (https://www.nytimes.com/2015/05/17/magazine/the-last-day-of-her-life.html) article in 2015 and it stayed with me. I have a pdf saved for reference and my ...
by CollegePrudens
Wed Apr 25, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2442

Re: CA Public School Teacher - Union Dues, Pension Contribution

Just a wild guess but probably pension equals 2% times years of service times avg salary if you retire at 60 or 62. Implies somewhat less if you retire earlier. As an example in CT, you have to be 60 or have 35 years of service to get the 2%. Otherwise its prorated. Indeed. You may want to look thr...
by CollegePrudens
Tue Apr 24, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2442

Re: CA Public School Teacher - Union Dues, Pension Contribution

I work in a district near the one your wife is considering (about 1/2 hour away). My union dues are about $1200/year and the mandatory pension contribution rate is 10.25%. For those who enter the CalSTRS system in 2013 or later, the rate is 9.2% (lower rate but less generous benefits). Thanks for t...
by CollegePrudens
Tue Apr 24, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2442

Re: CA Public School Teacher - Union Dues, Pension Contribution

bhtomj wrote:
Tue Apr 24, 2018 12:50 am
Here's a link for CalStrs on the contribution rates: https://www.calstrs.com/calstrs-2014-funding-plan
This is a very useful link. Thank you!

Would you (or anybody else for that matter) know what the phrases "2% at 60" and "2% at 62" mean?
by CollegePrudens
Mon Apr 23, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Another emergency fund allocation thread
Replies: 17
Views: 1539

Re: Another emergency fund allocation thread

I apologize as I know this topic has been beaten to death. I've looked through multiple threads on this and it seems opinions are fairly split on the topic. I have about 30k for emergency funds in a checking account. I'm looking for the most liquid vehicle with a decent interest rate for the money....
by CollegePrudens
Mon Apr 23, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2442

CA Public School Teacher - Union Dues, Pension Contribution

Hello (Public School Teachers in California), My Spouse and I are approaching the time when we will trade off the "bread-winner" and "stay-at-home-parent" roles. My spouse expects to return to teaching as a public school teacher in Northern California in the Fall of 2019. My spouse has not taught in...
by CollegePrudens
Sun Apr 22, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Attends Warren Buffett's Shareholder Meeting
Replies: 7
Views: 1776

Re: John Bogle Attends Warren Buffett's Shareholder Meeting

nedsaid wrote:
Wed Apr 18, 2018 12:38 pm
John Bogle is one of the good guys. It is nice to see him get well deserved recognition. Now onto the Presidential Medal of Freedom.
+1
by CollegePrudens
Thu Apr 19, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: boglehead style 3 fund portfolio in international account
Replies: 1
Views: 542

Re: boglehead style 3 fund portfolio in international account

Not a direct reply to your question, but I hope that you have seen this article (originally put together by Ted Swippet): https://www.bogleheads.org/wiki/Non-US_ ... _tax_traps
by CollegePrudens
Sun Apr 08, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 10626

Re: I’m looking for a word...

Some people will call the "observer effect", the "uncertainty principle", although the observer effect is the more correct term for most people's use of the uncertainty principle (https://en.wikipedia.org/wiki/Uncertainty_principle). Still, neither term quite captures what Rick is describing. In phy...
by CollegePrudens
Fri Apr 06, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 5980

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Recent blog post on the topic at WSJ: https://blogs.wsj.com/economics/2018/04/05/in-pricey-cities-new-residents-make-much-more-than-those-leaving/ I do not have a subscription, but could access the above post. Here is a summary (from another site on the blog post): San Francisco, New York, Los Angel...
by CollegePrudens
Sat Mar 31, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10190

Re: Resign from job or possible termination

I think LadyGeek is suggesting that discussion of dishonest behavior is not allowed on this board. Whether one chooses to engage in the behavior (souped up references) described by TIAX below is an individual's choice. Just don't discuss it here :beer . Discussions of dishonest behavior or bypassing...
by CollegePrudens
Thu Mar 15, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Accounts - Son got full scholarship!
Replies: 54
Views: 6036

Re: Help with 529 Accounts - Son got full scholarship!

Eh? Just poking fun. You (I mean he) will need this: iMac Pro Line Price:$13,348.00 Hardware 2.3GHz 18-core Intel Xeon W processor, Turbo Boost up to 4.3GHz 128GB 2666MHz DDR4 ECC memory 4TB SSD Radeon Pro Vega 64 with 16GB of HBM2 memory Magic Mouse 2 + Magic Trackpad 2 - Space Gray Magic Keyboard ...
by CollegePrudens
Mon Mar 12, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: [529 as part of an overall portfolio]
Replies: 17
Views: 2094

Re: [529 as part of an overall portfolio]

[Moved into a stand-alone post --admin LadyGeek] for folks that use 529's as part of overall portfolio, how's it working out? I (now) treat my 529s as part of my overall assets and include them in my overall AA. The above was not always the case. In the past I had three separate AAs - one for mysel...
by CollegePrudens
Mon Mar 12, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Saxo Bank fees
Replies: 2
Views: 335

Re: Saxo Bank fees

OP - Interactive brokers (IB) is covered on the wiki (https://www.bogleheads.org/wiki/Interactive_Brokers) and there are several past threads on the forum that discuss various aspects of IB. For example https://www.bogleheads.org/forum/viewtopic.php?p=3636861 In many countries IB is a good choice an...
by CollegePrudens
Sun Mar 11, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 29372

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Please add me to the waitlist as well.
by CollegePrudens
Sat Feb 24, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4603

Re: Misc Income [how to report with no 1099]

If your W-2 job and 1099-MISC are from the same univeristy, then I’d certainly question the reason for a separate 1099. If your W-2 and 1099 came from different sources and you believe you do not meet the definition of an independent contractor (checklist posted upthread) this is also reason to que...
by CollegePrudens
Sat Feb 24, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Removed
Replies: 39
Views: 4142

Re: Grantham-expect a melt up before the melt down

Christensen's actual theories have come under attack. It is very clear though that Facebook Google and Amazon all follow strategies based on Christensen's insights. Thus for example purchases of WhatsApp and Instagram. Russia also seems to be a devotee ;-) via Sun Tzu ;-) Valuethinker - can you pro...
by CollegePrudens
Sat Feb 24, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4603

Re: Misc Income [how to report with no 1099]

Interesting discussion. I wonder what you would say to the following situation (my own): W-2 employee in 2017 Received 1099-MISC from a local university for a teaching assignment at a new program. The amount was ~1% of the gross W-2 income and in the same subject area as the W-2 job. I.e. the job re...
by CollegePrudens
Fri Feb 16, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 26672

Re: TurboTax Prices

One of the reviews on Amazon says that this year's Deluxe does not include schedule D (for investments). Can someone confirm whether this is true? Their comparison chart is confusing, it says "additional help for stocks, etc." for Premier. The downloaded version of TT Deluxe does Schedule D. I don'...
by CollegePrudens
Thu Jan 18, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 9026

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Hi TomatoTomahto Let me start by saying that I enjoy your posts on the forum - specially those on the college process. Second, I read your post above and don't consider it harsh. You have a point of view and your are expressing it. Reasonable people can disagree on the point of view and that's ok. T...
by CollegePrudens
Thu Jan 18, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 9026

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

I cringe at the harsh tone that we (forum members) sometime use on these thread. Obviously not everybody uses a harsh tone. But even so... I fear that it serves to drive knowledgeable posters away. I have learned a ton from being here, including from WCI and TFB mentioned upthread. I hope that they ...
by CollegePrudens
Wed Jan 17, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Will/Estate question first child
Replies: 16
Views: 1216

Re: Will/Estate question first child

Adam - I second using an estate planning lawyer for consultation and potentially drafting your documents. DIY is a good ethic. In most fields DIY allows for mistakes to be made and for the individual to get a chance to learn from those mistakes and be a better DIYer in that field. In the case of Est...
by CollegePrudens
Tue Jan 16, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for non-citizen
Replies: 15
Views: 1030

Re: Estate planning for non-citizen

You're welcome, and good luck on your estate planning. Let us know if you learn anything new, or need to correct something in my post. It is incredibly difficult to find information about estate planning for non-citizens, dual-citizens, or just normal citizens with foreign assets. Indeed Awesome in...