Search found 2971 matches

by rob
Sat Jan 19, 2019 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out Roth IRA ASAP vs Monthly
Replies: 3
Views: 171

Re: Maxing out Roth IRA ASAP vs Monthly

Most return comes from a smaller number of up days and you don't get those not in the market. Cause... it could be worse :D
by rob
Thu Jan 17, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 833
Views: 41863

Re: John Bogle has died at age 89

To paraphrase... The world today is a little smaller place for his absence. R.I.P.
by rob
Mon Jan 14, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3714

Re: Duffel Bag vs Wheeled Stand Up traveling

I think your seeing reactions to different carry on restrictions.... In the US I always use the carryon sized wheeled but in other places the weight of those is most of the limit anyway, so I swap to a backpack that fits almost anywhere.
by rob
Sun Jan 13, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1081

Re: Tips for online photography course?

If your not after something formal, creativelive has a lot of online stuff... either annul membership or buy and download the classes you like.
by rob
Sat Jan 12, 2019 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 40
Views: 2138

Re: Rollover - why checks instead of wiring funds?

IMO it's part of dragging feet on money exiting.... Paper forms, checks in mail etc. Like companies that still can do faxes but not emails.
by rob
Fri Jan 11, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 68
Views: 7856

Re: Who's flying?

NorthEast TSA-Pre has been pretty much fine... Cannot speak to regular lines and times. It's likely going to be airport specific.
by rob
Thu Jan 10, 2019 9:43 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 5776

Re: Who has the highest allocation to international stocks?

whodidntante wrote:
Mon Jan 07, 2019 12:53 am
No need. Here on Bogleheads.org, we believe in American exceptionalism. Except for cars. :twisted:
I believe that the Camry is the (one of the?) "most American" car by source of parts (and maybe also labor) - I see that BORING excuse for a vehicle recommended a lot around here. 8-)
by rob
Tue Jan 01, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Dry January 2019
Replies: 8
Views: 1240

Re: Dry January 2019

I may get booted from BH for this... agree cut to 1 but spend 3 times as much per bottle so your square :D This way you get to enjoy some better (subjective) wines.
by rob
Mon Dec 31, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7729

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

I am always a year late on IRA's because I hover near the limit for Roth depending on bonus, so easier to not contribute ahead but I would if that were not a concern. This year however, my employer allows a separate contribution rate to the catchup 401K and since I'm very likely to be moving employe...
by rob
Fri Dec 28, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8940

Re: How to afford a sports car?

You can get a starter car for very low dollars... ands learn some fix skills as a side effect.... Look at older cars!
by rob
Thu Dec 27, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Best Vanguard funds to include in a Vanguard 401k
Replies: 19
Views: 1919

Re: Best Vanguard funds to include in a Vanguard 401k

Those target funds probably come as a set... but I don't see much point in that level of granularity and for simplicity would cut every second out or similar. Might also give you some slots for other options.
by rob
Wed Dec 19, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Kid's First Roth Contribution
Replies: 21
Views: 1638

Re: Kid's First Roth Contribution

Dump it in... It's got 50 years or so in the market to not worry about high/low for a few months.
by rob
Wed Dec 19, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Growing Concerns with Vanguard
Replies: 27
Views: 4714

Re: Growing Concerns with Vanguard

Vanguard was and is pathetic on non covered shares... meaning ones before they were forced to change their system to track tax lots. Covered shares (forget when but some years ago now) are easy to deal with at Vanguard.
by rob
Thu Dec 06, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12999

Re: Who else is getting excited?

Kenkat wrote:
Thu Dec 06, 2018 9:49 am
I’m excited until it gets bad enough that it turns into a recession and my neighbor loses his job. Or worse, it becomes a depression and I lose my job.
What he said.... I've been doing some rebalancing but otherwise not a whole lot of change.
by rob
Tue Dec 04, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody Taking Equifax Offer for Free IDNotify Service?
Replies: 13
Views: 2747

Re: Anybody Taking Equifax Offer for Free IDNotify Service?

I refuse to pay (directly or indirectly) the foxes to pretend to watch the hens. :annoyed I pull the free credit reports as allowed and watch that way.
by rob
Tue Nov 27, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8999

Re: How did YOU choose your career?

I'm not going to be any help as knew I wanted to be a computer programmer from the day I played with punch cards at school (the school had someone who had a contact at the local university and they ran the cards).... My kid has wandered from one thing to the next as he has no idea.
by rob
Tue Nov 27, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5432

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

HEDGEFUNDIE wrote:
Mon Nov 26, 2018 3:55 pm
Vanguard doesn’t advertise.

Fidelity is splashing commercials for its Zero funds all over nationally televised football games.
I see Vanguard TV ads all the time.... I see them in about the same frequency as Fido ads (US north east)
by rob
Tue Nov 27, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 5012

Re: So that's why 2-day shipping isn't what I expected!

The shipping makes sense but what annoys me is "guaranteed delivery date" - It just keep changing, so "guaranteed" needs to be replaced with expected or some other word that does not mean guaranteed.
by rob
Sun Nov 25, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 2058

Re: Upgrade Canon 60D to FF or new iPhone?

Analytically: I always chuckle at "full frame" - compared to what.... 35mm was the crop of it's day as most serious photographers used larger film. My first camera as a kid was a larger format than 35mm - that just makes me old. To someone shooting 8x10 sheet film [there are a couple left], it's pos...
by rob
Sat Nov 10, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1944

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: 1848

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: 5378

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: 2147

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: 5364

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: 5030

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: 1514

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: 2287

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: 25
Views: 1529

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: 8812

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: 5248

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: 6142

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: 1266

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: 1079

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: 4467

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: 367

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: 303

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: 3185

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: 5700

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: 3378

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: 2069

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: 1566

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: 7488

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: 8919

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: 25721

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: 6123

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: 3390

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: 563

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: 884

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: 3754

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.