Search found 123 matches

by SagaciousTraveler
Wed Oct 10, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4839

Re: Vanguard website today

Looks like it has to do with Browser/App. I was able to place the trades in Chrome, while IE gave me an error. That might be for you, but I have a problem related to 'market data'. Initially I wasn't even able to log in. H Around 6:00AM, i couldn't even log in. From 9:30AM - 11:00AM, I could log in...
by SagaciousTraveler
Wed Oct 10, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4839

Re: Vanguard website today

I've seen a couple of errors on the website, but it was intermittent. I was able to place two ETF buys just after 10 AM (VSS and EMGF). Really? I cant buy VTI, VXUS, BND or VNQ. I even put in random stocks and got the same error. Yes. At 10:15:25 and 10:16:14. It appears that the new-style pages ar...
by SagaciousTraveler
Wed Oct 10, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4839

Re: Vanguard website today

I've seen a couple of errors on the website, but it was intermittent. I was able to place two ETF buys just after 10 AM (VSS and EMGF). Really? I cant buy VTI, VXUS, BND or VNQ. I even put in random stocks and got the same error. Yes. At 10:15:25 and 10:16:14. It appears that the new-style pages ar...
by SagaciousTraveler
Wed Oct 10, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4839

Re: Vanguard website today

jhfenton wrote:
Wed Oct 10, 2018 9:39 am
I've seen a couple of errors on the website, but it was intermittent. I was able to place two ETF buys just after 10 AM (VSS and EMGF).
Really? I cant buy VTI, VXUS, BND or VNQ. I even put in random stocks and got the same error.
by SagaciousTraveler
Wed Oct 10, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4839

Re: Vanguard website today

You can't buy anything, as I tried buying more Vanguard ETF. They give you a number but the phone server is under maintenance.

Not a great look for Vanguard.
by SagaciousTraveler
Sat Sep 22, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Charter/Spectrum Mobile and Streaming TV
Replies: 1
Views: 280

Charter/Spectrum Mobile and Streaming TV

Good morning, I am seeing if anyone has experience with two newish productions from Charter/Spectrum: 1. Spectrum Mobile: Must have Spectrum internet (we do), $45 a month per line, unlimited data. I'm assuming there will be taxes added to this rate but it still might put my wife and I under the 110 ...
by SagaciousTraveler
Sat Sep 15, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1819

Re: Developer Laptop

What size data sets do you intend to work with? A couple years ago, I got a ~$500 laptop with a 128 GB SSD for a computer science master's program. In one of my first classes, we were working with a 50 GB data set in Spark and I was simply running out of space. The problem was that in addition to s...
by SagaciousTraveler
Sat Sep 15, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: setup 529 with doubts
Replies: 12
Views: 899

Re: setup 529 with doubts

I didn’t know about the Roth principle education withdrawal, so thank you. Nice to have another tool in the box. I just wanted to clarify that there isn't a 'Roth principle education withdrawal' clause or something like that. The method is just using the ability to take principal contributions out ...
by SagaciousTraveler
Sat Sep 15, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1819

Re: Developer Laptop

If price is not an issue, I'd go with a macbook pro. It's unix-based, so that's nice. I've never had a laptop that holds up nearly as well. The only problem is the dust in the keyboard and maybe the function keys. But, overall, I like it a lot. Laptops not only tend to be less robust and harder to ...
by SagaciousTraveler
Sat Sep 15, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1819

Re: Developer Laptop

If price is not an issue, I'd go with a macbook pro. It's unix-based, so that's nice. I've never had a laptop that holds up nearly as well. The only problem is the dust in the keyboard and maybe the function keys. But, overall, I like it a lot. What specs did you go with the Mac Pro? 8 or 16 RAM? 2...
by SagaciousTraveler
Sat Sep 15, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1819

Re: Developer Laptop

I‘d either go MacBook pro or maybe a Linux build by system76 or similar. Hadoop? You should read the requirements - it writes temporary files so maybe you want more than a 1TB SSD. As for memory, I’d want 32GB minimum myself and regret going cheap on 16GB. Well Apple had limited options until recen...
by SagaciousTraveler
Sat Sep 15, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1819

Developer Laptop

Fellow programmers/developers, Due to firewall constraints with my work laptop, I'm looking for a personal laptop to sandbox whatever programming language or framework that peeks my interest. I'll probably be working with Hadoop and Python (data analysis) so I'm thinking I need a minimum of maybe 16...
by SagaciousTraveler
Sat Sep 15, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: How much in a brokerage account?
Replies: 7
Views: 824

Re: How much in a brokerage account?

https://www.sipc.org/

$500,000 for securities and cash (including a $250,000 limit for cash only).

I'm not there yet but as your stated I imagine others will spread their brokerage accounts across institutions.
by SagaciousTraveler
Sat Sep 15, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: setup 529 with doubts
Replies: 12
Views: 899

Re: setup 529 with doubts

I'm 33 and I've just made last payment on $77,000 of my college school loan debt (who hoo!) and now I'm starting saving for my 2 & 4 year old children. My question is, am I alone in feeling that the stability of college education for this generation is doubtful. If college education is the next bub...
by SagaciousTraveler
Fri Sep 14, 2018 4:50 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11569

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

This post really resonates with me. I am only 30 (will be 31 later this year) and I am already starting to have the same feelings. I had a pretty quick rise in my career and earnings. I am now trying to decide if I want to keep shooting for more or stay level where I am at. I have gotten my job to ...
by SagaciousTraveler
Wed Sep 12, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4291

Re: Fidelity, Schwab, or Vanguard

I would like to add a different perspective. I personally am more cautious about Schwab because its a publicly traded company. Does that mean its rampant with corruption, no. However it does mean that turning and growing profits for its many 'investors' is among its top goals. I like being part of ...
by SagaciousTraveler
Wed Sep 12, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4291

Re: Fidelity, Schwab, or Vanguard

I would like to add a different perspective. I personally am more cautious about Schwab because its a publicly traded company. Does that mean its rampant with corruption, no. However it does mean that turning and growing profits for its many 'investors' is among its top goals. I like being part of ...
by SagaciousTraveler
Wed Sep 12, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4291

Re: Fidelity, Schwab, or Vanguard

I would like to add a different perspective. I personally am more cautious about Schwab because its a publicly traded company. Does that mean its rampant with corruption, no. However it does mean that turning and growing profits for its many 'investors' is among its top goals. I like being part of '...
by SagaciousTraveler
Wed Sep 12, 2018 5:14 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2685

The Atlantic: 'Why is College In America So Expensive?'

Good morning,

Wanted to share an interesting article I came across this morning:

https://www.theatlantic.com/education/a ... ca/569884/
by SagaciousTraveler
Wed Aug 29, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1014895

Re: What Book Are You Currently Reading? Part VI

Finished 'Rocket Men: The Daring Odyssey of Apollo 8 and the Astronauts Who Made Man' by Robert Kurson.

I was born in the 80s but it was an eye opener because just like most people I had no idea about the details of Apollo 8 or even the Astronauts associated with it.
by SagaciousTraveler
Wed Aug 29, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1014895

Re: What Book Are You Currently Reading? Part VI

Yes, I definitely enjoyed the book and recommend it. I meant the last sentence to be positive, but I see now how it's confusing. I was glad it ended only because I had another book that had finally come in from the library and I was eager to read it but couldn't put this one down. Ah, thank you for...
by SagaciousTraveler
Tue Aug 21, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Union at Fed job
Replies: 20
Views: 1982

Re: Union at Fed job

Work for the DOD but do not pay dues to the Union. I looked at what was important to me, took in my surroundings (co workers, work environment), looked at the Union mission and their representatives that were around me and educated myself about the current government. After all that i decided the Un...
by SagaciousTraveler
Fri Aug 17, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10811

Re: Take auto loan 0.9% if I can afford cash?

"Would you take a car loan that you didn’t need?" No, Pay cash move on Don't think about a loan Enjoy the new ride :mrgreen: :mrgreen: +1 Some of us just think differently!! :sharebeer Same here. Banks have their role in this world but it won't be form collecting interest or fees from me. What if a...
by SagaciousTraveler
Fri Aug 17, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10811

Re: Take auto loan 0.9% if I can afford cash?

"Would you take a car loan that you didn’t need?" No, Pay cash move on Don't think about a loan Enjoy the new ride :mrgreen: :mrgreen: +1 Some of us just think differently!! :sharebeer Same here. Banks have their role in this world but it won't be from collecting interest or fees from me.
by SagaciousTraveler
Sun Aug 12, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Income sharing in lieu of College loans?
Replies: 2
Views: 411

Income sharing in lieu of College loans?

Good afternoon, The below article appeared in the Cleveland Plain Dealer this morning (it was originally posted July 20th,2018). The concept of having colleges pay your tuition for a percentage of your future salary was intriguing. Curious if anyone currently with kids in college have seen anything ...
by SagaciousTraveler
Fri Aug 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2810

Re: Crossroad of what to do next?

One note. KIDS are expensive and your are blessed with 4. My opinion is that you really have not realized the true impact of how expensive your kids can be because yours are pretty young. You may be seeing it a little with your oldest but it really starts to take off once they hit 10/11 and Middle ...
by SagaciousTraveler
Mon Aug 06, 2018 10:16 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3915

Re: How did you become a Boglehead?

I've always been very good with budgeting and saving but as for investing I was trying to be my own active fund manager and time the market. I came to realize that I don't have the stomach to handle owning a basket of individuals stocks only. I'm too emotional and that's the number one rule not to b...
by SagaciousTraveler
Mon Aug 06, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16058

Re: Will you pay for your kids' college/graduate education?

Yes but thanks to my brother in law we will do so with restrictions. He simply didn't appreciate that his parents were paying for his school. This resulted in terrible grades, transferring to 4 schools and 7 years to graduate. That situation is something we will not pay for. We will want to see good...
by SagaciousTraveler
Sun Aug 05, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a five figure "inherited" cash sum?
Replies: 32
Views: 3462

Re: What to do with a five figure "inherited" cash sum?

I would advise to NEVER deposit large amounts of CASH or a CHECK into an ATM.

Here is just a sample of why but you can also google horror stories if you want:

https://www.thebalance.com/deposits-at- ... sks-315797
by SagaciousTraveler
Fri Jul 27, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3794

Re: Decision for Stay at Home Wife?

FIf we decide for her to stay home, I want to make sure we are on the same page as far as what her expectations are in regards to watching the kid and help out around the house/errands. I know taking care of a kid is already a full time job, but for those who have stay at home wives, what else do t...
by SagaciousTraveler
Fri Jul 27, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3794

Re: Decision for Stay at Home Wife?

My wife decided to stay home after the second child due to the following: 1. Her salary essentially paid for two kids in daycare. 2. She wasn't doing something she enjoyed. 3. For 10 years she saved like mad for retirement. So we felt she had a nice foundation to work with on top of maxing out her R...
by SagaciousTraveler
Tue Jul 10, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 4233

Re: Dow 40000 prediction for 2025

We are all making long range predictions. We invest in the market because we are assuming that growth will happen in the future

Anyone who puts a number for a index is just trying to get shock value though.
by SagaciousTraveler
Tue Jul 10, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 5144

Re: 30 Year vs 15 Year Mortgage

I am a fan of the 30 year fixed rate approach. It's one of the best hedges against inflation available to most people. If inflation and interest rates rise, you're golden. If they drop, you can refinance. If you want to pay it off early, you can. Plus it gives you more liquidity. I can understand y...
by SagaciousTraveler
Tue Jul 10, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 5144

Re: 30 Year vs 15 Year Mortgage

I'll echo what everyone else has said: the interest paid is primarily driven by the amortization schedule, i.e. how long you take to pay back the loan. The interest has a surprisingly small impact. Putting some numbers to it... Right now, the spread between a 15 year vs a 30 year is ~0.25%. On a $3...
by SagaciousTraveler
Tue Jul 10, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 5144

Re: 30 Year vs 15 Year Mortgage

I will always advise on the 10 or 15 year mortgage. Also not a fan of the advice to take on a 30 year and pay it off on a 15 year schedule. People tend to think you pay the same amount of interest as taking out a 15 year mortgage, which isn't true.
by SagaciousTraveler
Tue Jul 10, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 6152

Re: Where do you keep your Emergency Fund?

UpperNwGuy wrote:
Tue Jul 10, 2018 9:21 am
I vote for the Vanguard money market funds.
+1
by SagaciousTraveler
Tue Jul 10, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 4184

Re: Auto Tariffs: time to buy?

Pajamas wrote:
Tue Jul 10, 2018 8:54 am
Have you considered waiting to buy one of the newer models that burns coal?
Awesome.
by SagaciousTraveler
Tue Jul 10, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: PenFed or Navy Federal?
Replies: 30
Views: 2690

Re: PenFed or Navy Federal?

I'm primarily looking for a cu with up-to-date, and as user-friendly as possible, online services for checking, bill pay, ach transfers, mobile deposit, etc. It sounds to me like NFCU is the better option as far as these services are concerned. And it looks like NFCU offers a variety of checking ac...
by SagaciousTraveler
Tue Jul 10, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: PenFed or Navy Federal?
Replies: 30
Views: 2690

Re: PenFed or Navy Federal?

I am with NFCU. Right now I only use them for checking/bill pay. Savings/MM rates aren't good. They are supposed to be good for CD rates but right now those are just ok. Every once in awhile they will do an outstanding promotion, like 1 year CDs at 5% but its been a few years. I pay cash for everyth...
by SagaciousTraveler
Tue Jul 03, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1911

Re: Tariffs/Inflation/Rates

OP, The tariff issue is out of your and my control, so the only thing actionable you can do is ensure you are internationally diversified and own stocks in as many countries around the world as possible. Some countries will benefit and some will not if this continues, so if you own them all you eli...
by SagaciousTraveler
Tue Jul 03, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1911

Re: Tariffs/Inflation/Rates

It's amazing the disinformation in the media that leads young people to believe that tariffs are something new. Tariffs have always been around and they've tended to be unequal to the USA, for example US tariffs on European car imports have been 2.5%, while at the same time, European tariffs on US ...
by SagaciousTraveler
Tue Jul 03, 2018 5:11 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1911

Re: Tariffs/Inflation/Rates

I'm relatively young and haven't been an adult during rising interest rates, inflation and now tariffs. Rates have been going up since 2015; that's three years now. There was rising inflation from 2002-2008 and again from 2009-2010. I suggest that you have been an adult during rising interest rates...
by SagaciousTraveler
Mon Jul 02, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1911

Re: Tariffs/Inflation/Rates

Interesting. Thanks for the input. One off increases in prices eg due to a fall in exchange rates or a rise in tariffs usually don't vex Central Banks. One off is interesting. A one off that is temporary I can understand, but if its a one off that's a 'permanent' increase shouldn't the Central Bank ...
by SagaciousTraveler
Mon Jul 02, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1911

Re: Tariffs/Inflation/Rates

I'm relatively young and haven't been an adult during rising interest rates, inflation and now tariffs. Rates have been going up since 2015; that's three years now. There was rising inflation from 2002-2008 and again from 2009-2010. I suggest that you have been an adult during rising interest rates...
by SagaciousTraveler
Mon Jul 02, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1911

Tariffs/Inflation/Rates

All, I'm relatively young and haven't been an adult during rising interest rates, inflation and now tariffs. Anyone have any idea how this is going to work out? Will the Tariffs (maybe short lived) increase Inflation, thus causing the Fed to raise interest rates faster? Is there anything we as bogle...
by SagaciousTraveler
Tue Jun 26, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Used vs New - always buy new once you get to a certain point?
Replies: 31
Views: 3182

Re: Used vs New - always buy new once you get to a certain point?

After a couple of high school and college cars I've always bought them new. I've always kept them 7 years or more (sometimes much longer) so I haven't been concerned about depreciation, I just have doubts on used cars like "What was wrong with it that the owner got rid of it?" that I can't shake. B...
by SagaciousTraveler
Tue Jun 26, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Used vs New - always buy new once you get to a certain point?
Replies: 31
Views: 3182

Re: Used vs New - always buy new once you get to a certain point?

You are about to hit Financial Independence, which tells us all that you are smart and good with money.

If you want to buy a new car and the numbers work. By all means reward yourself.

I'm not there yet, so I'll continue to buy used vehicles with cash.
by SagaciousTraveler
Mon Jun 25, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7476

Re: CNBC: Social Security buying power has slipped by a third for retirees

Impartial or not, they aren't wrong.

I've long argued that the way the government measures inflation is underreported. I thought we had a good convo about it in the below thread.

viewtopic.php?f=10&t=252130
by SagaciousTraveler
Thu Jun 21, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 6624

Re: Surprise - Costco sells - but does not install vehicle batteries

Just like any car or home repairs, be prepared, take your time and enjoy learning something. As i seem to recall, we have replaced one battery in the last fifteen years. On a Prius, where it isn’t under the hood and not a standard sized battery. Not a particularly useful skill we learned, since we ...
by SagaciousTraveler
Wed Jun 20, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 6624

Re: Surprise - Costco sells - but does not install vehicle batteries

Battery change out is pretty easy if and only if a person has 1) the strength and agility to lift a 35-50 lb battery in and out of the engine bay and 2) the skill set to remove old battery safely, and insure the battery is installed securely and properly (including not shorting out the battery or o...