Search found 263 matches

by StandingRock
Fri Sep 20, 2019 9:22 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 158
Views: 15051

Re: VTIAX International fund - should I give up on it?

I've held 10% in ex-US stocks since the 90's. There were times when those markets ran ahead of US markets. Right now is not that time but I just stick with my 10%.
by StandingRock
Fri Sep 13, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 5822

Re: Whistleblowing / Going Rogue at Work

There is an extremely large $ project going on and it's been a disaster from Day 1 and I was giving this person a behind the scenes look. This happens all the time. In my experience, anyway (IT). I don't know why you handled it the way you did, this is irregular and strange. What exactly was your r...
by StandingRock
Thu Aug 29, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6430

Re: Purchasing a truck - thoughts?

I like my Taco but it sounds like you're looking at full-sized.
by StandingRock
Thu Aug 29, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: downside of going to a competitive high school?
Replies: 49
Views: 3408

Re: downside of going to a competitive high school?

Our local public high school is very competitive. I hear plenty of horror stories about kids stressed out about grades. I am not sure I understand this (I have heard it said often). It's a public school. Anyone who lives in the boundaries that it serves will go there, from losers to homeless to pre...
by StandingRock
Mon Aug 26, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Giving a Co-Worker’s Teen a “Grant” to Buy a Plug-in-Car?
Replies: 27
Views: 1457

Re: Giving a Co-Worker’s Teen a “Grant” to Buy a Plug-in-Car?

Whew. What a mess. Maybe just focus on getting yourself on track a little bit or something.
by StandingRock
Fri Aug 23, 2019 2:32 pm
Forum: Personal Investments
Topic: Reverse Rollover IRA to 401K Question
Replies: 4
Views: 184

Re: Reverse Rollover IRA to 401K Question

I just did this with one IRA last week and I have my one other IRA in process. My former employer recently changed their guidelines to now allow former employees to roll IRAs into the 401k plan. My current employer does not allow such rollovers. Thanks, this is what I need to check on. I didn't kno...
by StandingRock
Fri Aug 23, 2019 10:16 am
Forum: Personal Investments
Topic: Reverse Rollover IRA to 401K Question
Replies: 4
Views: 184

Reverse Rollover IRA to 401K Question

Has anyone ever tried to do a reverse rollover of an IRA, into an existing 401K from a former employer? Say for instance you have a 401K from a company you left six months ago, and you want to do a "roll-in". Is that even possible? Are there different rules between companies and/or 401k providers su...
by StandingRock
Tue Aug 20, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Between Jobs (Career Advice)
Replies: 21
Views: 683

Re: Choosing Between Jobs (Career Advice)

It's hard to say without knowing anything about that sort of career track. I've always worked in private industry, and I took less money for potential growth a couple of times in my career and it never worked out. And I would never take a job with a two hour commute, I'd move first.
by StandingRock
Fri Aug 16, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3472

Re: 10 Year Cost of Owning My CR-V

I drove one for 12 years, put about 100K on it. Dependable and cheap for sure, just got tired of having to hold the gas pedal to the floor to get the thing going.
by StandingRock
Thu Aug 15, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 10442

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

PrettyCoolWorkshop wrote:
Thu Aug 15, 2019 11:21 am
All he did was interpret this information in a more accurate way than most other researchers.
Maybe, maybe not, I never heard of the guy, GE has been in dire straits for a while now, that's no secret, I was not surprised to read above that he is working an angle on it.
by StandingRock
Thu Aug 15, 2019 10:19 am
Forum: Investing - Theory, News & General
Topic: Why is market timing bad in this case?
Replies: 52
Views: 3219

Re: Why is market timing bad in this case?

It might be best if you go ahead and lose some money now, the value of the lesson learned will pay dividends for years to come.
by StandingRock
Wed Aug 14, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5121

Re: I wanted to teach myself computer programming.

I did find the Java ecosystem to be annoyingly fragmented. Am spoiled with .NET having built-in libraries for almost everything, while you're still free to use 3rd party open source as alternatives if you wish. The consequences of open source mentality. In my opinion, Microsoft is great for busines...
by StandingRock
Wed Aug 14, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 74
Views: 10533

Re: Confused, bummed, and concerned

Nobody knows the future. When you look at interest rates, does 4.5 to 5% return look so bad for equities?
by StandingRock
Wed Aug 14, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: Treasury 2-10 year yield curve has inverted!
Replies: 115
Views: 10490

Re: Treasury 2-10 year yield curve has inverted!

nisiprius wrote:
Wed Aug 14, 2019 6:29 am


People seem anxious to be the first to holler "inverted yield curve," and I think they are jumping the gun.
They have been hollering about this for a while now...
by StandingRock
Wed Aug 14, 2019 6:31 am
Forum: Investing - Theory, News & General
Topic: this time it's different
Replies: 92
Views: 10282

Re: this time it's different

This “secular stagnation” dogma has been hocked by the likes of Bill Bonner and John Mauldin for the last *20 years* . I’m still waiting. In the meantime, I suspect they sold lots of books on their theories and predictions. Get out of your own way and ignore the charlatans. Since the Great Financia...
by StandingRock
Wed Aug 14, 2019 6:25 am
Forum: Personal Investments
Topic: What sort of fund for saving for sabbatical?
Replies: 11
Views: 1043

Re: What sort of fund for saving for sabbatical?

H-Town wrote:
Mon Aug 12, 2019 8:40 pm
If you consider your wealth as a whole, I don't see the needs to allocate to buckets. Just use your normal AA and time your sabbatical to align with the market highs.

Right.... we all know exactly when the market is going to top out....
by StandingRock
Tue Aug 13, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4274

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

IIRC, it seems like with most of these things that the range of assumptions fall within a narrow, traditional band. They don't account for people who may be making well into six figures per year but stick to a 30k budget. I don't mess with them any more.
by StandingRock
Tue Aug 13, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: [Does Vanguard have a process for handling customer feedback?]
Replies: 24
Views: 1637

Re: Isn’t it time to stop making excuses for VG?

No excuses from me, people need to realize that it is what it is, if you want cheap investment options then you can't expect top flight service.
by StandingRock
Sun Aug 11, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Condo pool requires having an attendent on duty
Replies: 25
Views: 3022

Re: Condo pool requires having an attendent on duty

I don't know, but I wouldn't be surprised if more neighborhoods start doing this. Heck, they may start passing laws in my locality. There have been several reports in the local news about people finding dooky in the pools around here.
by StandingRock
Fri Aug 09, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 2651

Re: Have you started a blog?

Yes, WordPress is easy and there are hosts like Bluehost tailored to that platform. I haven't tried to monetize and probably won't, it's just a hobby. I have a lot of interactive tables and maps and data so it's not really suitable for video format (and I'm not interested in that anyway).
by StandingRock
Fri Aug 09, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9318

Re: Pretty much broke --- what would you advise?

Back to work.....anywhere. Everyone is hiring. I'm talking all the retail stores I walk by, restaurants, supermarkets....everywhere. I noticed today in a storefront where one store just moved out, flyers getting taped to the window offering delivery jobs. Don't be picky. Take the first job offered....
by StandingRock
Fri Aug 09, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3149

Re: Have you skipped a flight segment to save on airfare?

It's called a hidden city ticket ......... Do not do it in any airline where you value your status or your frequent flier account. And if doing it, this usually only works best with carry on bags for the obvious reasons. The people trying to scrimp that last dime are probably the ones trying to car...
by StandingRock
Fri Aug 09, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Should college student major in environmental science?
Replies: 50
Views: 2973

Re: Should college student major in environmental science?

I have some old and new friends who are park rangers. They didn't get into it to become rich. Regardless of $$, how hard was it to land the gig? I would have to ask them, but I don't think it was especially difficult. This is not Yosemite or Yellowstone we are talking about though. I also have some...
by StandingRock
Fri Aug 09, 2019 7:45 am
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12705

Re: Buy During This Dip?

If you buy every dip you might not have enough money left over to buy food.
by StandingRock
Fri Aug 09, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: Should college student major in environmental science?
Replies: 50
Views: 2973

Re: Should college student major in environmental science?

I have some old and new friends who are park rangers. They didn't get into it to become rich.
by StandingRock
Thu Aug 08, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2755

Re: Do you pay for kids college if a non-STEM major?

Pressuring someone to study something that is not their interest or forte’ because of career prospects either will lead to failure to establish the career, or a miserable life doing work they do not enjoy. It is not uncommon for it to take a year or two at university for a student to discover their...
by StandingRock
Thu Aug 08, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2755

Re: Do you pay for kids college if a non-STEM major?

dknightd wrote:
Thu Aug 08, 2019 1:11 pm
There is more to life than money!
His kids must be his retirement plan.
by StandingRock
Wed Aug 07, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1779

Re: Pontoon Boat Recommendations?

Could a moderator explain why threads such as this aren't locked? The other sub about managers and employees quitting was locked due to "not a finance issue".
by StandingRock
Wed Aug 07, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Reaction of mangers who found out their direct reports were applying for external jobs?
Replies: 8
Views: 1047

Re: Reaction of mangers who found out their direct reports were applying for external jobs?

I am sure some petty managers might be insulted and might be vindictive, but that is a stupid strategy in my opinion. People have lots of valid reasons to leave a job, and it's a small world out there. Treating an outgoing employee badly will just make it more difficult to hire their replacement. W...
by StandingRock
Tue Aug 06, 2019 7:07 am
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8358

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Anyone else remember getting 4 and 5 percent in a money market account at the local credit union?
by StandingRock
Tue Aug 06, 2019 6:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12071
Views: 2055540

Re: U.S. stocks in free fall

So many people who seem so smart, yet the first thing I ever heard years and years ago still seems like the best advice.


"Don't invest more than you can afford to lose."
by StandingRock
Mon Aug 05, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Received Significant Raises in Salary and getting Jealousy from Close Colleagues/Friends
Replies: 48
Views: 4516

Re: Received Significant Raises in Salary and getting Jealousy from Close Colleagues/Friends

Not sure what to tell you. Not sure why you posted this.


I've never told my salary to anyone; just the way I was raised and where I'm from that's pretty much the way things are.
by StandingRock
Mon Aug 05, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12071
Views: 2055540

Re: U.S. stocks in free fall

samsoes wrote:
Mon Aug 05, 2019 2:17 pm
Wait, what? :confused

I thought BH's are in for the long haul and aren't pre-occupied with the daily gyrations of the market? Am I missing something, or are there hypocrites among us?
That is true of BH's but there are lots of posters on here that are just average investors.
by StandingRock
Mon Aug 05, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Are Ally ACH transactions always slow?
Replies: 22
Views: 853

Re: Are Ally ACH transactions always slow?

I have some automated transactions involving Ally and they usually take a few days. While I would prefer it to be instantaneous, I'm not desperate for the money or anything so it is what it is.
by StandingRock
Tue Jul 30, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5124

Re: Capital One data breach

JMacDonald wrote:
Tue Jul 30, 2019 10:32 am
I wonder how the commercial is going to air: "What's in your wallet?"
Now it can be: "Who is in your wallet?"
Where is your wallet?
by StandingRock
Tue Jul 30, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6126

Re: What's your Uber passenger rating?

I don't know and don't care. The last Uber driver I encountered was a coke head and none of the others were much better. Not interested in their opinion of me.
by StandingRock
Tue Jul 30, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5124

Re: Capital One data breach

If capital one and these huge corporations with substantial security budgets are getting hacked into so often, imagine what that means for the smaller community credit unions and banks with tiny security budgets! It is shocking to see the people that are being hired to work in IT security and even ...
by StandingRock
Tue Jul 30, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5124

Re: Capital One data breach

If capital one and these huge corporations with substantial security budgets are getting hacked into so often, imagine what that means for the smaller community credit unions and banks with tiny security budgets! It is shocking to see the people that are being hired to work in IT security and even ...
by StandingRock
Mon Jul 29, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes?
Replies: 85
Views: 9119

Re: What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes

What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes? In other words, I have pretty much hosed myself from Day 1, and I want to correct my mistakes cleanly and quickly with a couple of things I can just check off over the next couple o...
by StandingRock
Sat Jul 27, 2019 10:29 am
Forum: Investing - Theory, News & General
Topic: Investors Are Usually Wrong. A NYT Columnist (Finally) Admits He's One of Them.
Replies: 53
Views: 7068

Re: Investors Are Usually Wrong. A NYT Columnist (Finally) Admits He's One of Them.

using only money we can afford to tie up for years.

This is where most will fail. I have seen advice and ideas all over the place that has people invested completely with no cash buffer or immediately available resources. The weak hands will shake out.
by StandingRock
Fri Jul 26, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5254

Re: Frontier or Spirit Airlines

I won't even fly Southwest.
by StandingRock
Fri Jul 26, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7168

Re: Uber Without Smartphone

I would just use a taxi. Surely there is one company in your whole town that is reliable enough.
by StandingRock
Thu Jul 25, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7158

Re: MBA worth it?

The disturbing trend I have noticed over the past few years is that people with no background in IT at all get a quickie MBA and jump into IT management. It's pretty bad. Not saying that someone couldn't do that and be OK (or at least not screw up too badly). But basically you're just getting a bab...
by StandingRock
Thu Jul 25, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7158

Re: MBA worth it?

One thing to be careful about is that in IT I saw a number of technical people try to make the switch to management and after about five years it was clear that they were not very good managers. At that point they were in a bind since they could not easily go back into a technical roll but they als...
by StandingRock
Thu Jul 25, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1506
Views: 150102

Re: U.S. stocks continue to soar!

I really do like making money while on vacation. Go baby, go! As my investments compound and my gains soar I can't believe this is legal. I keep expecting Homeland Security to kick down my door and size my computer. People get ten to twenty stealing much less on Main Street. Wall Street is the plac...
by StandingRock
Thu Jul 25, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7158

Re: MBA worth it?

One thing to be careful about is that in IT I saw a number of technical people try to make the switch to management and after about five years it was clear that they were not very good managers. At that point they were in a bind since they could not easily go back into a technical roll but they als...
by StandingRock
Thu Jul 25, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9636

Re: Where would you move to?

Wyoming is not an especially cheap place to live. It’s certainly cheaper than a lot of places, but you are correct, it’s not nearly as cheap as people likely assume. In my experience, a long-term resident of any area will know how to "live cheap". The people who just Google charts and graphs and wh...
by StandingRock
Wed Jul 24, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9636

Re: Where would you move to?

One of the common American retirement fantasies (the other being the nomadic RV lifestyle) is that one can pull up stakes and relocate to a preferred location (based on cost, climate, etc) with minimal regard for ties to community, family, or established ways of living. Unfortunately, it when we ag...