Search found 2951 matches

by rob
Sat Nov 10, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1860

Re: 20th Anniversary vacation ideas wanted

Fiji? Vanuatu?
by rob
Sun Nov 04, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1799

Re: Buying a mini-van

There will be a part of you that will hate it.... but just buy a Honda minivan and move on. If you can spring for leather then do it - we went for the cloth and it's not worn brilliantly with kidoes.
by rob
Sun Nov 04, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5281

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

If you are open to selling and renting for 1-2 years - pay for a real valuation company and get a lawyer to setup the rental as part of the sales agreement. Your going to have to work out a date.
by rob
Fri Nov 02, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?
Replies: 40
Views: 2052

Re: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?

If a small percentage is "plummet" - I think your going to need a bigger boat word (at some point).
by rob
Wed Oct 31, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5211

Re: People with older car, share your unusual repairs

99 Isuzu truck... - Passenger parklight fails, and it fails sticker inspection - Multimeter says zero current, nada - Me looks at 4 miles of wrapped wiring harness & hours of work to find issue - Me then look at drivers side parklight and thinks - they have to both be on right - 5 foot of speaker wi...
by rob
Sun Oct 28, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 4898

Re: Are you too wealthy for a LIQUID emergency fund?

I just have a slush fund in cash that would cover... 3-6months (depending how seriously we cut costs).... but we use it to pay cash for cars and other large but predictable expenses, so can sometimes be far lower. Have a large percentage in taxable stock, so I would agree that could be used in a rea...
by rob
Sat Oct 27, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico Good for Auto/Renter/Umbrella Insurance?
Replies: 15
Views: 1470

Re: Is Geico Good for Auto/Renter/Umbrella Insurance?

Run and run FAST.... Had an auto claim last year and they low balled the value with non-comparable vehicles, cheated on fees (I had to pay some costs from body shop) and were generally difficult and obnoxious. It was CLEAR that the adjustor was paid by how well they low balled the customers. I went ...
by rob
Fri Oct 26, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Advise on term vs whole life
Replies: 31
Views: 2233

Re: Advise on term vs whole life

... 4) Arguments that money is "being thrown away" in term life are specious. Insurance is insurance. Nobody argues that you are "throwing money away" in your homeowner's or auto insurance even if you never make a claim. The argument doesn't come up with other kinds of insurance protection because ...
by rob
Mon Oct 22, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 18
Views: 1080

Re: Short trip to Orlando with my parents and children

Most of those parks have electric chairs... Look into hiring/reserving those as will make the experience much better for parents... I also would pick one and do something lower key for the other but depends on kids/parents. Another thought since you mention photos... look for a local photg to get so...
by rob
Mon Oct 22, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8652

Re: Quitting w/o notice

It is very poor form if you expect to return to the job market. My company has a policy that says “no recommendation” for someone who leaves without proper notice and an exit interview. So it can impact you down the road. I’m so glad my company has a policy of “no recommendation” in any case! Maybe...
by rob
Mon Oct 22, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5199

Re: What to do with >$1000 in Amazon credits?

Guess I may be holding on to the credit for a while, maybe until Prime Day next year. I need to figure out another way to cash in coins in the meantime. Some B&M banks still take them but you might want to get to the root of why your collecting so many coins... move more to credit cards (with cash ...
by rob
Sat Oct 20, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6043

Re: Pull kids from school for vacations?

Have a couple of times over the years when the school uses extra snow days and we have committed to travel months before.... We just arrange for any missed work/exams...
by rob
Fri Oct 19, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Tilting One More Step Beyond USA vs non-USA
Replies: 14
Views: 1247

Re: Tilting One More Step Beyond USA vs non-USA

Let's say Buffet is an investing genius and cannot do anything wrong in the future - or at least less wrong than others.... I don't necessarily agree but lets assume. How long will he be controlling the company (I think he is late 80's right now)? Does that 1-5?-10?? years match your investing time-...
by rob
Sun Sep 30, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Data Visualization—skill or career?
Replies: 9
Views: 1043

Re: Data Visualization—skill or career?

It's certainly a useful skill for anyone. We have a couple of people who only do visualizations - as you say mostly around marketing but also in the data science results. There are a few jobs in journalism around the same thing. I think there is absolutely potential for a career path.
by rob
Tue Sep 25, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4404

Re: Anyone ever tired of managing hair and consider shaving to go bald

Why not do it as part of a charity thing... do the publicity up front from co-workers and if you like it, just don't go back afterwards. Gives a charity some dollars, gives you a way out if you don't like it, gives you a soft landing if you want to keep afterwards... win, win, win.
by rob
Sun Sep 16, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Virtual credit card for travel reservations: advice needed
Replies: 7
Views: 364

Re: Virtual credit card for travel reservations: advice needed

Agree... Hotels will take anything if paying at the desk... but an airline might be an issue.
by rob
Sun Sep 16, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Amazon Pantry and Amazon Fresh
Replies: 1
Views: 297

Re: Amazon Pantry and Amazon Fresh

I find them aggravating also - more so than add-on's.... Just tell me it's not available rater than me trying to put in cart and it starts the whole pantry nonsense.
by rob
Sun Sep 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3148

Re: Experiences downsizing to single car

We have had 1 car for a decade or so (just moving back to dual cars actually next week)..... Uber is now prevalent so makes and easy stop gap for the odd conflict, otherwise for planned trips a rental is economical.
by rob
Sun Sep 16, 2018 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 51
Views: 5622

Re: Vanguard platform

For those of you who have not made the change, you are worrying over something that was not a big deal at all. Have you not read any of the replies about employers requiring copies of "brokerage" transactions as part of compliance. This is an employment requirement and failure to comply will leave ...
by rob
Wed Sep 12, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Any issues keeping <$1MIL in VMFXX (Money Market Fund)?
Replies: 21
Views: 3083

Re: Any issues keeping <$1MIL in VMFXX (Money Market Fund)?

Maybe consider the tax free MM fund instead of Federal - depending on your tax situation?
by rob
Tue Sep 11, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Two and a Half Years to Start Over
Replies: 11
Views: 2044

Re: Two and a Half Years to Start Over

Put your time in to get to FI then find something your passionate about (or nothing). Starting your own business without a burning desire or plan is NOT a path to wealth :-) . Most small businesses fail after a lot of money and hours from the founders.
by rob
Sun Sep 09, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Backing out of a contingent job offer
Replies: 8
Views: 1551

Re: Backing out of a contingent job offer

Is it unethical to backout of a contingent job offer? I signed the offer sheet but this offer is conditional upon customer and prime approval after an interview with them which I have not had one yet. I now have another offer that I feel is a better opportunity with more money and vacation days. Th...
by rob
Sun Sep 09, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7412

Re: Anyone else playing catch-up in their 40's?

JD2775 wrote:
Sun Sep 09, 2018 11:24 am
It seems most of the ppl here started saving diligently in their 20's or 30's
I don't think that is true.... Run your own plan as you can.... Your not going to be any closer tomorrow, so might as well start now.
by rob
Sat Sep 08, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8685

Re: Can Sneakers go with Business Casual?

No... but I see it a lot in a trendy company where I work... has to be the right I assume brand because they mostly look the same... no clue what brand.
by rob
Thu Sep 06, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 24756

Re: Vanguard - You'll need to sign up for security codes soon

I don't have a phone (recently retired with no cell or landline nor any intention of obtaining one anytime soon). The majority of my investments are with Vanguard. I have an iPad I use to text and email, but apparently Vanguard is insisting upon a telephone number. Am I going to have to quit Vangua...
by rob
Thu Sep 06, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 6024

Re: Taylor's new book is #1

Seems to me that a book with that sort of content should get a solid 3 stars right in align with the average star rating.... A 4.5 is not tracking to the average well 8-)

Heading over to order....
by rob
Mon Sep 03, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3334

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

Why pick one? Pick the winner and put everything on it..... You might end up a lot richer... or not...
by rob
Thu Aug 30, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Which investment account to prioritize?
Replies: 9
Views: 557

Re: Which investment account to prioritize?

Pre-Tax vs. Roth is a compare of a known todays tax rate with an unknown tax rate when using the money (in retirement most likely). It's going to depend on a subjective assessment of whether the unknown is going to be higher or lower than the known. As a general ROT - a lower known leans more toward...
by rob
Thu Aug 30, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Machine Learning/Deep Learning Advice on breaking in?
Replies: 4
Views: 860

Re: Machine Learning/Deep Learning Advice on breaking in?

You could try getting into dashboarding / reporting teams in organizations that do some data science as that is a way around the usual front doors. I would look at non tier1 companies - banks, insurance companies as I have sen more latitude there without the Phd path. You could also do some work in ...
by rob
Tue Aug 14, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Civil service: Long Shot Interview.. Would you go?
Replies: 33
Views: 3726

Re: Civil service: Long Shot Interview.. Would you go?

At the least to not disappoint whoever "invited" you (maybe it's some criteria rather than a person). I see exactly ZERO down-side.
by rob
Mon Aug 13, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2607

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

One of the reasons I went for google fi..... no more stuffing around with SIM cards or expensive roaming. Data is the same cost and calls are a few cents in most cases.
by rob
Fri Jul 27, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 84
Views: 12309

Re: Vanguard Precious Metals and Mining Fund is changing

I love Vanguard. However, when it comes to "staying the course", that is something they tell others to do, but do not follow themselves. I am still unhappy about the change to what used to be the Tax Managed International Fund. It is no longer tax managed, but I am locked in. Actually, this is some...
by rob
Fri Jul 27, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2031

Re: DisneyWorld-Needing specific advice

Years ago we stayed at the Wilderness Lodge which had an easy ferry to the Magic kingdom - sometime before the public opening times (1hr?). Short walk to the pier. It was not cheap at the time and expect that has only got worse.
by rob
Sun Jul 22, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Partial Rollover of 401k permitted?
Replies: 7
Views: 425

Re: Partial Rollover of 401k permitted?

Plan specific but it's commonly allowed - at least between the Roth and Pretax portions.
by rob
Tue Jul 17, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 57
Views: 8323

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I have to vote no not because of performance but because Vanguard might change their mind on the "Tax Management" part of the deal (as they did for the International version).... If I had it over, I would avoid all TM funds and just use the broad index funds in taxable.
by rob
Tue Jul 17, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13940

Re: New Vanguard Security Code Requirement

It's a cutting edge solution to buggy whip design... exactly what I have come to expect of Vanguard IT over the years. To be fair, 2FA is so common it's easy to stay with the heard and pretend that it provides actual security.
by rob
Mon Jul 16, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10606

Re: Amazon Prime Day 2018

Yawn... I don't see the hype but then didn't last year either. I have no clue what deal people got on tablets as they seem fully priced.
by rob
Sat Jul 07, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2821

Re: Having first child - Life Insurance question

Run from Whole life... Term for sure. Have a think about how long and how much coverage you really need... I would suggest 2-3 policies covering different time periods... e.g. 25-30 year as a base and 10-15 year while the child is younger when it's more needed. Your employer plan might be useful to ...
by rob
Thu Jul 05, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: A few MOOC gripes
Replies: 7
Views: 1137

Re: A few MOOC gripes

Depends what your looking for but have a look at udemy or even pluralsight or lynda.
by rob
Thu Jul 05, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 846

Re: A week in Montreal in August, advice/suggestions?

Montmorency Falls is well worth a few hours not far from Quebec City.
by rob
Thu Jul 05, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 4365

Re: Anyone tilting heavy to international based on current forecasts?

I plan to aggressively make zero changes to my existing domestic/foreign tilt :D I have been 50/50 forever and it's been both a majority and minority position over the years, even on this forum. I subscribe to the stopped clock position - if I moved then I would guess wrong every time, so by been st...
by rob
Thu Jul 05, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1836

Re: Evaluating New Job Offer

The big difference for me is the technology.... As tomato says it's not easy to get back from dead-end legacy, so I would keep looking for a better alternative. The fact your looking means there is something missing in the current role - try and figure out what that is because the analysis you have ...
by rob
Wed Jul 04, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7533

Re: Walking Coast-to-Coast

Amazing... Look forward to the book - Loved this part of the FAQ....
Will you be carrying any weapons?
Yes.

After seeing Jason Bourne kill a man using a ball-point pen, I carry a similar pen on this trip.
by rob
Tue Jul 03, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4664

Re: Will I ever be able to itemize?

You don't pay 100% tax... so why are you been "screwed"? Medical expenses have a threshold anyway - is it 7.5% and above (not 100% sure on that figure).
by rob
Mon Jul 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4206

Re: Neighbor's drainage issue causing problems

In addition to trying to get it fixed on their side... I would suggest a french drain just inside your property line..... Assuming you have somewhere to drain the water.
by rob
Wed Jun 27, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 168
Views: 21053

Re: IRS publishes draft 2018 1040 - Huge changes made

90% file electronically, they should be figuring out how to convince the remaining 10% to join the 21st century, rather than fooling around with the paper forms. The software forces me to file a PAPER return each year.... Maybe the software companies need to figure out how to catch up to this centu...
by rob
Mon Jun 25, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: The "leaving the old 401k where it is" argument
Replies: 30
Views: 3998

Re: The "leaving the old 401k where it is" argument

Some potential advantages...
- You will not find a stable fund in an IRA (at least I don't know of any).
- You might have access to lower cost funds (looks like you might given the cost of that target fund).
- There might be better protection from law-suits (may or may not be relevant).
by rob
Thu Jun 14, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 26
Views: 2469

Re: cooling upstairs floor without central AC

I grew up in a very hot and dry climate.... everyone had evaporative water coolers - basically a fan running over something wet. They are cheap and very effective if it's dry but poor if it's humid.
by rob
Tue Jun 12, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2609

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

Not going to answer the question in the title because it's neither PG rated nor fits your more detailed description :D

For your scenario... How about calling him and talking for a couple of hours... Tell him what's happening at school etc.