Search found 43 matches

by garg33
Tue Nov 05, 2013 11:37 am
Forum: Personal Consumer Issues
Topic: Google Chrome showing "not secure" Notifications
Replies: 4
Views: 661

Re: Google Chrome showing "not secure" Notifications

My guess is your computer's clock is wrong, so it thinks all the sites' security certificates are expired or not yet valid. Am I right? Alternatively, maybe your ISP is trying to man-in-the-middle your SSL connection (this is often the case if you are using a work computer, they will generate a fake...
by garg33
Fri May 03, 2013 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 5168

Re: The Points Guy

Yes the benefit is there but if you are not willing to pay the difference in cash, it means you don't value the better seat as much the price tag. If coach seat is $1,000 and first class is $1,010, I would get the first class seat. If it's $1,100 I would still get it. At some point I would stop -- ...
by garg33
Mon Apr 29, 2013 10:35 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49454

Re: Vanguard is on the Password Hall of Shame.

Script kiddie or not it's an example of how a public wifi connection can be insecure even when SSL is in use. Which was the original point of the discussion. Yes, public wifi can be insecure, but TLS to Vanguard cannot... obviously if you enter your password on a site that is not Vanguard's then al...
by garg33
Sun Apr 28, 2013 2:48 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49454

Re: Vanguard is on the Password Hall of Shame.

Wifi can be easily hacked/packet-sniffed. If you bank from home use the Ethernet cable. The problem is when inexperienced users attach to unencrypted WiFi in a public place. There you can have serious security issues. Not for sites accessed over SSL, which Vanguard's certainly is. Edit: or TLS, if ...
by garg33
Fri Apr 05, 2013 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Did Vanguard really limit portfolio history to only 5 yrs?!?
Replies: 12
Views: 2367

Re: Did Vanguard really limit portfolio history to only 5 yr

They can't even get basic account security right, and you expect them to do portfolio history more than 5 years?? ;) :oops:
by garg33
Thu Apr 04, 2013 9:11 pm
Forum: Personal Consumer Issues
Topic: ideas to fly cheaper
Replies: 5
Views: 862

Re: ideas to fly cheaper

Try FlightFox.
by garg33
Thu Jan 17, 2013 7:20 pm
Forum: Personal Consumer Issues
Topic: Google Voice quality?
Replies: 35
Views: 5071

Re: Google Voice quality?

Talkatone degrades GV quality. They route your calls through their own servers as a proxy between you and Google, transcoding the audio to a lower bitrate in the process.
by garg33
Thu Dec 06, 2012 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Business Sale, now what?
Replies: 8
Views: 1108

Re: Business Sale, now what?

I'll just say, congratulations on your success! It sounds like you've earned it. You definitely came to the right place for advice.
by garg33
Fri Aug 24, 2012 7:13 pm
Forum: Personal Consumer Issues
Topic: Power Down in Airplanes
Replies: 36
Views: 6826

Re: Power Down in Airplanes

the latest thing they have come up with to harass me about is my noise cancelling headphones (this insignificant source of rfi seemed to have become their latest hot-button about a year ago) Are you sure they're concerned about RFI from the headphones? I would think they would be more concerned tha...
by garg33
Tue Mar 06, 2012 11:31 am
Forum: Investing - Theory, News & General
Topic: To Buy or Rent: Is their a rent/equity formula that helps?
Replies: 17
Views: 1851

Re: To Buy or Rent: Is their a rent/equity formula that hel

travellight wrote:that 1% rule seems overly stringent to me. Most cities I've lived in would not measure up to the buy threshold.
To be fair, it probably does not make sense to buy in most cities... ;)
by garg33
Tue Mar 06, 2012 11:26 am
Forum: Personal Finance (Not Investing)
Topic: San Francisco (Bay Area) for Work/Living? Help Needed.
Replies: 51
Views: 5165

Re: San Francisco (Bay Area) for Work/Living? Help Needed.

OK, I am looking to live as a renter in SFO, somewhere around lower Pacific Heights. Why rent? Because it is a short-term (2yr) and out assignment, and I like the City, have a house elsewhere. Any suggestions for area that I can easily reach California/Van Ness by public tran or walking? Only need ...
by garg33
Tue Mar 06, 2012 11:21 am
Forum: Personal Consumer Issues
Topic: Anybody figure out the "new mattress" game yet?
Replies: 58
Views: 9436

Re: Anybody figure out the "new mattress" game yet?

Yes, I have figured it out. Buy this: http://www.amazon.com/Sleep-Innovations-10-inch-Memory-Mattress/dp/B003CT37JM/ I have spent well over $1,000 on mattresses and nothing I have slept on comes even close to the comfort of this one, for well under half the price. This is clearly the Boglehead choic...
by garg33
Fri Jan 06, 2012 11:53 am
Forum: Investing - Theory, News & General
Topic: Stange Job Interview Questions
Replies: 66
Views: 5540

Re: Stange Job Interview Questions

Actual question, actually asked of job candidates at Google, Inc.: Would Mohandas Gandhi have made a good software engineer? The answer is, obviously, No. He did not have a Computer Science degree, had no experience analyzing software systems, and showed no interest whatsoever in a software career....
by garg33
Mon Jan 02, 2012 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Question for those with Ally savings accts:
Replies: 3
Views: 766

Re: Question for those with Ally savings accts:

You can do this with Mint (it will email you if there is a "large transaction" in one of your accounts).
by garg33
Fri Dec 16, 2011 11:47 am
Forum: Investing - Theory, News & General
Topic: Are they really affluent???
Replies: 34
Views: 5030

Re: Are they really affluent???

The only tax that has been proposed lately, is a small tax on amounts made OVER $1 Million per year. What has happened in the last 15 years, is the rich have benefited from massive tax cuts that have led to deficits. In fact if we would go back to the tax rates of the 1990s, we would have a balance...
by garg33
Thu Dec 01, 2011 7:51 pm
Forum: Personal Consumer Issues
Topic: Vanguard security wish, Google 2-step
Replies: 12
Views: 3248

Re: Vanguard security wish, Google 2-step

Philosophical discussion about computer security aside, I hope we can all agree that 2-factor authentication is objectively more secure and that Vanguard should implement it. :)
by garg33
Wed Nov 30, 2011 10:17 pm
Forum: Personal Consumer Issues
Topic: Vanguard security wish, Google 2-step
Replies: 12
Views: 3248

Re: Vanguard security wish, Google 2-step

Google (gmail, google documents, google calendar, picasa) has the best security of all the sites I visit...I use the two step process. Is this new? Gmail got hacked by the Chinese this summer, who were spying on dissidents in the US, senior US officials, and who knows what else. http://www.washingt...
by garg33
Mon Oct 31, 2011 11:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer international bond index funds.
Replies: 60
Views: 5884

Re: Vanguard to offer international bond index funds.

Do none of the same reasons for having international equity in your AA apply to international bonds as well? Based on pure intuition and no data, I would think that international diversification is a good idea for bonds, just as it is for stocks?
by garg33
Sat Oct 15, 2011 10:43 pm
Forum: Investing - Theory, News & General
Topic: google spreadsheets all awry?
Replies: 14
Views: 1611

Note that in case you messed up your spreadsheet, you can easily revert to an earlier version via "File > See revision history".
by garg33
Sat Sep 17, 2011 8:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: How much bonus to open Credit Card?
Replies: 8
Views: 1094

How exactly are credit cards and checking accounts "similar financial instruments"?
by garg33
Thu Sep 15, 2011 7:53 pm
Forum: Personal Consumer Issues
Topic: What are some ethical issues you feel strongly about?
Replies: 14
Views: 1874

Since you asked...my personal top ethical issues:
- global poverty, many orders of magnitude worse than what we call "poverty" in the U.S. (read: The Life You Can Save by Peter Singer)
- welfare of animals, especially food animals in the U.S. (watch: Food Inc.)
by garg33
Tue Jul 12, 2011 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Corolla(?) in July. Dreading...Advice please
Replies: 69
Views: 11310

Try Carwoo - www.carwoo.com. Surprised nobody has suggested this yet.
by garg33
Fri Jul 01, 2011 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Organizations you donate to?
Replies: 60
Views: 5409

I've worked in nonprofits for over 25 years so I've had an opportunity to "see how the sausage is made" as the saying goes. It's not always a pretty sight but it's better than doing nothing. Humans after all, are imperfect. I've been contemplating blogging about my experiences - once I'm safely ret...
by garg33
Wed Jun 29, 2011 8:58 am
Forum: Personal Consumer Issues
Topic: Netbook Suggestions
Replies: 19
Views: 2243

Chromebook sounds perfect for you. Does everything that you need and nothing that you don't.

http://www.google.com/chromebook/

(I looked at the Dvorak article and, as usual for him, was not able to find any substantive content or objection therein. :))
by garg33
Tue Jun 28, 2011 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Organizations you donate to?
Replies: 60
Views: 5409

+1 for http://www.givewell.org , they are awesome. I have given a fairly substantial amount (substantial for me, five figures) to them for regranting and to their recommended charities over the past 2-3 years. ETA: but since op has only a relatively small amount to give let me point out that GiveWel...
by garg33
Tue Jun 21, 2011 9:24 pm
Forum: Personal Consumer Issues
Topic: For those who thought Chrome and Firefox are safer browsers
Replies: 20
Views: 3450

Truly, this is troubling news. How can I ever feel safe using Chrome again now that MICROSOFT has declared it insecure?? :roll:
by garg33
Thu Jun 16, 2011 10:04 pm
Forum: Personal Consumer Issues
Topic: online photo storage 166 GB?
Replies: 9
Views: 1432

Crashplan
by garg33
Sun Jun 05, 2011 6:05 pm
Forum: Personal Consumer Issues
Topic: Best Way to Buy Gold and Silver
Replies: 24
Views: 3809

BullionVault or GoldMoney are also options (I use the former).
by garg33
Fri Jun 03, 2011 9:43 pm
Forum: Personal Consumer Issues
Topic: Google: Hundreds of Gmail accounts in U.S., Asia hacked
Replies: 5
Views: 981

Misleading title. No accounts were hacked, people were tricked by a phishing scheme into giving away their passwords.
by garg33
Wed May 25, 2011 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Symbols Available in Passwords at Vanguard
Replies: 29
Views: 4486

I believe that if you think about it, there's really almost no risk. Again, the bad guy gets only three tries at your login. Unless your password is one of the truly horrendous ones, what's going to happen? This protects from external attacks but not internal attacks. If someone manages to steal th...
by garg33
Sat May 14, 2011 11:57 am
Forum: Personal Finance (Not Investing)
Topic: UPDATED***Help me decide on a new job offer!
Replies: 45
Views: 7317

Re: Help me decide on a new job offer!

I am no expert but here is what I think you should do: I think you should tell firm A about firm B's offer and give firm A an opportunity to make a counter-offer. The counter-offer, should firm A choose to make one, should address your compensation as well as your desire to work abroad. You know be...
by garg33
Sun May 01, 2011 11:39 pm
Forum: Investing - Theory, News & General
Topic: Which International Funds do You use in Taxable?
Replies: 33
Views: 7089

I am holding the Total International index fund (VGTSX) in my taxable account now. I wonder how much better can the Tax-Managed International fund (VTMGX) be with respect to tax efficiency when by my understanding international stock index funds are already inherently very tax efficient? I also like...
by garg33
Sat Apr 30, 2011 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Total U.S. or total international better in Roth IRA?
Replies: 7
Views: 1129

Thanks for the awesome advice all!
by garg33
Sat Apr 30, 2011 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Total U.S. or total international better in Roth IRA?
Replies: 7
Views: 1129

Fair enough. I figure there is probably a disproportionate population of excessive optimizers here. :)
by garg33
Sat Apr 30, 2011 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Total U.S. or total international better in Roth IRA?
Replies: 7
Views: 1129

Thanks! That is really handy. Tax Cost Ratio 1-yr 3-yr 5-yr 10-yr VGTSX 0.33 0.46 0.47 0.54 VTSMX 0.28 0.30 0.28 0.32 From this it looks like the total international fund (VGTSX) is less tax-efficient than the total U.S. fund (VTSMX). Does this include the effect of the foreign tax credit? If not (I...
by garg33
Sat Apr 30, 2011 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Total U.S. or total international better in Roth IRA?
Replies: 7
Views: 1129

Total U.S. or total international better in Roth IRA?

Hi, Bogleheads! I have built up some contributions to my various Vanguard accounts that I'm preparing to allocate now. (While contributing I usually just automatically put the money in the prime money market fund and deal with allocating later.) I've done all the math and after placing all my tax-in...
by garg33
Sun Oct 24, 2010 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) vs. taxable account
Replies: 20
Views: 5973

Thanks a lot to everyone for the great info! To recap, my plan going forward is to put new purchases of tax-inefficient assets (bond funds, REITs) in the after-tax 401(k) and relatively tax-efficient assets (total U.S./international stock funds) in my taxable account. Looks like no in-service withdr...
by garg33
Sat Oct 23, 2010 11:35 am
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) vs. taxable account
Replies: 20
Views: 5973

Unrelated question: if international funds like VGTSX are already tax efficient, why is there a tax managed version?
by garg33
Sat Oct 23, 2010 11:33 am
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) vs. taxable account
Replies: 20
Views: 5973

I am very lucky to have Vanguard as our 401(k) administrator so the fund choices are great. Thanks for the link, I will mess around with the spreadsheet.
by garg33
Sat Oct 23, 2010 2:49 am
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) vs. taxable account
Replies: 20
Views: 5973

Did I just make up the whole thing about international funds like VGTSX being less tax-efficient than total-U.S. and inappropriate for taxable accounts? :) The Wiki suggests I am wrong...I tried to post a link to the "Principles of Tax-Efficient Fund Placement" page but I am forbidden as a new member.
by garg33
Sat Oct 23, 2010 2:38 am
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) vs. taxable account
Replies: 20
Views: 5973

Cool, thanks for the info! Not planning to leave my job any time soon, but I'll check if in-service withdrawals are allowed for the Roth IRA conversion. How does the conversion work? I am guessing tax-free conversion on contributions and I'll need to pay income taxes on converted gains at the time o...
by garg33
Sat Oct 23, 2010 12:17 am
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) vs. taxable account
Replies: 20
Views: 5973

After-tax 401(k) vs. taxable account

Hi Bogleheads, My situation: - maxed out traditional IRA - maxed out traditional 401(k) - some money left over to invest My company offers me the option, after maxing out traditional pre-tax 401(k) contributions ($16,500), to then make additional after-tax 401(k) contributions up to the IRS max. of ...