Bogleheads.org

BSBHead

A $2000+ bike that doesn't come with pedals? You know, jogging is free and dumbbells are cheap. A decent yoga mat is $40. Why pay for the Peloton? Have you tried to buy dumbbells lately? They've been sold out everywhere since early March. Yeah, dumbbells, barbells, and kettlebells are really hard t...

BSBHead

The insurance agent has Errors and Omissions Insurance, so shouldn’t be an issue worse case.

BSBHead

Understanding the fine print will be helpful. What is the right of set-off rules? Could they give a certain notice (e.g. 30 days) to cancel, which may mean you may have to liquidate proceeds at a time you really don’t want to liquidate? Banks are in and out of securities lending due to regulatory ch...

BSBHead

This question is dependent on how much you ride and how much you value performance. An overhaul can be expensive, but effectively they take apart your bike and clean each component part. This certainly prolongs the life of your bike. They degrease and grease hubs, clean drivetrain, etc. A tune-up is...

BSBHead

I didn’t read closely, but the “no fee” thing is a technical issue I believe as their are derivatives used whose cost does not need to be disclosed per the current regulations. The derivative is on a net basis rather than gross, so the “fee” is the cost of executing the derivative trade, which is 10...

BSBHead

Do yourself a favor and do not use BofA. If funded again, try PayPal, many had good luck with them. I followed your advice and used Paypal which took me to loanbuilder.com They are asking for: Business license ( do not have ) Driver's license ( would rather not share ) Also I completed and upload t...

BSBHead

I am ready to apply via Bank of America and they are asking: Average Monthly Payroll x 2.5 + EIDL, Net of Advance (if Applicable) Equals Loan Request: Do I put 1000 for EIDL since I am a sole proprietor? Do yourself a favor and do not use BofA. If funded again, try PayPal, many had good luck with t...

BSBHead

If you think you’ll ever need a loan, I think a big bank or regional bank. At a minimum, go to a bank that is a certified SBA lender in case a loan needed. Existing relationships have received preferred treatment through the PPP, so take that example into consideration.

BSBHead

Munis have a lag in rates and are thinly traded. Look at MSRB/SIFMA website and you can see volatility of resets. Market investors have been perceiving increasing risk due to unfunded pension liabilities from state/local govt entities resulting from declining equity markets and zero interest rate en...

BSBHead

He is referring to the heavy hitters on wall street. We were talking about the latest market volatility and he said he is cashing out and suggested that I do the same. He is retirement age and has had an index fund for the last 20 years and not happy with its performance as of late. Fortunately he ...

BSBHead

The way to really get good bang for your buck with bikes is an online, direct to consumer company like YT, Canyon (on the higher end) or Bikes Direct (lower end). These come with some significant drawbacks though, as it's tough to determine sizing, it won't be tuned perfectly out of the box (or re-...

BSBHead

Love Charlie and think he's right on. Still, whether he's 100% right or 100% wrong my portfolio allocation remains focused on the long-term and will not change.

BSBHead

We had a dog chase off intruders one time. That was perfect. My list in order of priority: 1. Dog 2. Security doors - expensive, but impossible to break through 3. Alarm system - for window entries 4. Alarm system signs clearly posted outside 5. Dog bowls outside - even if you don’t have a dog, this...

BSBHead

Based on my N=1 1. Uber has more drivers in my city, so the wait to get a car seems better. This could be different by city. 2. Lyft charges you for the ride and tip in a single transaction, whereas Uber often separates ride and tip in separate transaction. This makes Uber a bit more of a pain for b...

BSBHead

So sorry. May he rest in peace.

BSBHead

I'm so sorry this happened. Never fun. For what it's worth, the price quoted seems very inexpensive for a sewer line compared to where I live. Quotes in my area are $10-20k. For what it's worth, I had similar disclosure issues when I bought my current house. The seller broke the beautiful one of kin...

BSBHead

Various sources are pretty consistent with how much of your portfolio should be in bonds vs your age. The recommendation from shows such as Cramer/Wealthtrack and the Bogleheads Wiki itself suggests that after age 40+ the bonds should be around 15-40% depending on risk tolerance. However, when I ch...

BSBHead

You should consider filing a complaint with FINRA based on your two posts about EJ.

BSBHead

I'm selling a home. It's under contract and we are supposed to close in about a week. Today the buyer said he wants me to sign an "Exchange Addendum" which states that he intends to purchase the home as structured under Section 1031 of the Internal Revenue Code. Even after some googling, ...

BSBHead

This thread made me feel better as nobody has a good answer. I keep 1-3 months of expenses in checking/savings. But my fixed income/cash position is really tied up in VMMXX.

BSBHead

I'm not a physician, but I've worked with FQHC's in my past. As FQHC's are non-profits, you can pull salary info from director level physicians from their IRS Form 990's on Guidestar (sign up for a free account). Look up the name the FQHC and look in section 7 (I believe) and you'l see what the high...

BSBHead

You need to pay it and move on with your life. ER clinicians have zero information about you and don't know if you are even telling them anything with accuracy, so yes, they need to confirm you aren't going to die. What if you left before seeing them and died later - might that have been worse than ...

BSBHead

I think 2008-09 hit from multiple angles. The decline in the market wasn't the biggest concern more generally. The bigger concern more broadly was job lay offs combined with a dramatic decline in value in housing in most markets. When you combine that with stock market declines and general economic ...

BSBHead

Having seen this play out in the institutional space, I think the hardest thing to figure out is what is socially responsible? I get big tobacco, guns, and oil & gas, but what about companies that pay their employees significantly lower than average or have a big carbon footprint (e.g. airlines)...

BSBHead

I suspect this is due to two separate issues. The check hold is confirm your employer checked clears. I'm sure they gave you the standard hold language as check clearing can vary. A check from a large national bank deposited into your large national bank account will clear quickly as the depositing ...

BSBHead

What title did they offer you? 10 days PTO sounds oddly low for a FANG. I can rule out Netflix and Amazon based on the RSU package. That leaves Facebook and Google, neither of which has a PTO policy that anemic for FTEs. Is this an offer for a software engineer position? If so it sounds on the low ...

BSBHead

I switched to a modestly higher paying meaningfully greater hour job in 2005. My job before was great, steady, and offered awesome work/life balance. New job was challenging and I really had to put in time. Fast forward to today. Most of old friends from my prior job are basically in the same job. I...

BSBHead

Re: Healthcare administration. I think one path in would be through a revenue cycle department of a hospital. They typically are involved in claims adjudication with patients/insurance companies and patient customer experience. It's typically a call center structure so fairly entry level, but it wou...

BSBHead

Fun post given the discussion on self driving cars. From a investor perspective, I have zero idea who will win the ride sharing game, but agree that it's all about autonomous driving cars. I think the barriers to entry on ride sharing are weirdly low and future competition for Lyft exists from a lot...

BSBHead

I got that penalty for freeriding once. It was my fault. As I recall, one of those annoying screens came up to tell you you’re doing something wrong, but I ignored it. It was painful, and wasn’t a mistake I made a second time. Sorry, but that’s not Vanguard’s rule, and you would be in the penalty b...

BSBHead

While I think there are other risks, the same risks that took down the active bond funds have been mitigated. First, bond insurance backing many of these short-term bond issuances does not exist. Ambac, MBIA, etc. are gone as a result of the crisis. The credit quality of the underlying securities wa...

BSBHead

Why don't good ideas beat the market? Because the market is already aware of the good ideas and has already taken them into account. Good ideas only really work when they are not known by others. Many good ideas involve more risk. Many good ideas are only good ideas when back-tested, not going forw...

BSBHead

For $2500 a month, you could hire a nanny for a year or 2, then when baby1 is in 'regular' school, baby 2 can attend a day care. Does a nanny teach them math, science, sign language, mandarin, cook organic GMO free food for them, manners and etiquette, how to share/play with others, they even do pu...

BSBHead

I’ve been somewhat conflicted when it comes to Wealthfront and the other Robos. Investing is an incredibly confusing subject and the market/marketing at large does not exist to make things easier for the average person. Wealthfront is investing untold resources and marketing to introduce and educat...

BSBHead

My son drives a Kia Sportage AWD. Does he need to get snow tires for the winter? He is moving there next month. He will be commuting from Denver to Boulder daily. If he's just commuting, then it's only going to be a handful of days where snow tires will be necessary. Hopefully, he can work from hom...

BSBHead

Can she double major? Maybe Economics for the theory and Finance/Accounting for the skills? I'm guessing there would be overlap in coursework.

BSBHead

My company asked me to do the same thing and limited us to several brokerage firms. In addition, I have to pre-clear any stock purchase (other than 401k, ETF's, mutual funds, or CD's) or sale prior to making the transaction. And that pre-clearance is actually only for the same day, so if your trade ...

BSBHead

I think you can afford it, but the better question is where are you getting a Tesla for $40,000? I’m assuming it’s used for that price. How old and how many miles does it have? Model 3 after incentives its $38,700. I don't think you can get the mid-range batter pack for under $40k after incentives....

BSBHead

Corporate bonds have had a nice bull run and issuance the past few years has been at record levels, so my own view is not optimistic. I think looking at duration is more important than anything in looking at bonds at the moment as there will be a glut of corporate bond maturities in the next few yea...

BSBHead

And to clarify my points above, I think your age makes a difference in how to "tilt" Roth v. Traditional 401k. There is more certainty about the points I raise if you are closer to retirement. For those of us 20-30 years out, I think diversifying your tax strategy is not dissimilar to a pa...

BSBHead

I've long debated this and believe the right approach is a mix between Roth and Trad 401k is best bet as it is a non-bet. Reasons are: (1) Tax rates: Who knows about where tax rates will be when we retire. My brain trap tells me they will be higher than expected due to entitlement costs and other bu...

BSBHead

Unipay is probably a payment aggregator using its payment gateway to access the Visa/MC network. I'm sure there is a rebate back to the City. Not sure about my city, but our state charges a 2.5% fee for credit cards, which is approximately equal to the interchange fees charged by the card networks. ...

BSBHead

Just to add on here. Prime MM funds do not necessarily price in all expected future interest rate increases. If you watch the day-to-day movements during this increasing rate cycle, the funds gradually increase to the anticipated Fed Funds day that rates are set and then adjust for the difference on...

BSBHead

I think you should have the baby first before making plans. Our kid had a lung issue that was discovered a few weeks post birth requiring a fair bit of time in the NICU, so I'm guessing you'd prefer to address this in the U.S. near home v. in a foreign place where your health insurance might cover a...

BSBHead

My grandfather took one out in the early 90's to pay for some medical costs. More or less accrued at 8-10% rate, so interest ate up equity value quickly and when we sent him to assisted living, reverse mortgage value was $300k v. a house worth $150k. It was an easy decision to turn in the keys when ...

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