Search found 3134 matches

by rob
Thu Jun 04, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Need safe escape plan from New York
Replies: 37
Views: 2481

Re: Need safe escape plan from New York

If she's wealthy enough, she could charter a private jet. I know this is partly in jest but..... It is an option to check Netjets or similar to see if they happen to have spare capicity on that route.... Not cheap but might be an option. In reality the plane filters air very quickly and airports ar...
by rob
Thu Jun 04, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 33
Views: 1348

Re: To what Broadband Speeds do you Subscribe and Why?

We have 100/100 which is the lowest tier Verizon offers in my area. There are also 300/300 and 1000/1000 tiers. Same here... 100/100 is enough most of the time - lots of usage with several games/netflix etc etc going concurrently..... Just the odd upload to new cloud backup provider or somehing whe...
by rob
Mon Jun 01, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: Perspective - Dow at same point one year ago today
Replies: 10
Views: 1702

Re: Perspective - Dow at same point one year ago today

Seems nothing has happened at all in the last 12 months.....
by rob
Mon Jun 01, 2020 1:00 pm
Forum: Investing - Theory, News & General
Topic: COVID-19 effect on globalization and international investment allocation
Replies: 12
Views: 941

Re: COVID-19 effect on globalization and international investment allocation

First question is a political question that cannot be answered in these parts. Second is a market timing question..... I'm not planning to alter my allocation based on trying to time the markets gyrations. I stay roughly 50/50 US/Non-US.... That is the course I charted and plan to stay that way.... ...
by rob
Mon Jun 01, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: Browser blocker for web-sites that block ad-blocker
Replies: 0
Views: 278

Browser blocker for web-sites that block ad-blocker

Ok - I know that title is odd :D * Lots of web-sites block content until the ad-blocker is disabled (or have pay walls). * Their choice - no issue. --> What I want is a browser plugin that stops me wasting time going to those websites.... The plugin should block the blocked sites... Anyone know of o...
by rob
Sun May 31, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 31
Views: 1690

Re: Suggestions for a comfortable desk chair on a budget

I picked up a Markus chair from Ikea which is a leap above my normal budget for a chair. ( approx $199 ) Great comfortable chair! Worth the money spent. It starts out comfortable BUT the black plastic rubs off after some time and you get random falls when sitting down and the shock just fils and go...
by rob
Sun May 31, 2020 10:19 am
Forum: Personal Investments
Topic: How do you keep track your investments?
Replies: 48
Views: 2992

Re: How do you keep track your investments?

I have a custom excel - started out importing from MSFT money to get a dashboard and I've morphed it over the decades but right now, it sucks in data form google sheets which in turn is setup to get prices & other info via the google finance functions. I refuse to give data aggregators my password f...
by rob
Sat May 30, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 30
Views: 1913

Re: How to get back fees paid to telemedicine provider?

I read it as though the doc prescribed something that does not exist - generic version of x... They should fix that but good luck getting it to happen. Schedule a visit for a live doctor.
by rob
Fri May 29, 2020 7:06 pm
Forum: Personal Investments
Topic: 401K portfolio allocation
Replies: 28
Views: 1009

Re: 401K portfolio allocation

Rob, thanks for the response. I do not have any other investments, this is the first time I am saving for retirement. I am investing 15% of my gross salary to the 401K plan. Can you elaborate on what you mean by how the match is paid and front loading? Some (most?) employers match you on a pay-chec...
by rob
Fri May 29, 2020 1:12 pm
Forum: Personal Investments
Topic: How many funds are TOO many funds & is it a good idea to invest in a newly reopened fund?
Replies: 15
Views: 1100

Re: How many funds are TOO many funds & is it a good idea to invest in a newly reopened fund?

Depends on what you mean by "many"..... I have maybe half dozen different short term bond "funds" but it's due to the target allocation been spread over 2xTrad Non-Deduct IRA's, 2xRollover IRA's, 2xRoth IRA's and a 401K and 403B across several providers. Same with the other asset classes.... I have ...
by rob
Fri May 29, 2020 11:36 am
Forum: Personal Investments
Topic: 401K portfolio allocation
Replies: 28
Views: 1009

Re: 401K portfolio allocation

You don't say if you have other investments for retirement (taxable, IRA's etc) - If so you should be treating it as one portfolio and adjust accordingly. If not - Put 100% to Vanguard Total Stock Market Index Fund (VTSAX) 0.04% and contribute as close as you can to the max. Be careful how the match...
by rob
Thu May 28, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: Dry powder strategy?
Replies: 27
Views: 2536

Re: Dry powder strategy?

I absolutely have a "dry powder" strategy.... but I have to earn it in salary first and no employer has yet let me advance a few years of salary. :D

Like most here, if your looking at this then it's market timing under another name.
by rob
Wed May 27, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - a Swiss Army Knife for Savers
Replies: 42
Views: 5692

Re: Taxable Account - a Swiss Army Knife for Savers

Everything in a ROTH is mine , tax free. Don't underestimate the power of changing laws. Especially when considering decades. The account is still a government sponsored one, endorsed by a section in the tax code, which you have 0 control over. Surely if the law changed it would be for all contribu...
by rob
Tue May 26, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 73
Views: 7402

Re: Hertz is declaring bankruptcy

1. They have too many cars and are not buying or buying very limited quantities of new cars. Pre plague; I hired a car every week over the last couple of years (and have uber status) and had several traveling stints so have used them a lot of the last decade and change... This has been obvious for ...
by rob
Mon May 25, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 6064

Re: What will you NOT buy online?

Stinky wrote:
Mon May 25, 2020 11:07 am
A colonoscopy. :mrgreen:
You can order a box that you...er...put a sample in and give to the UPS truck... I bet the drivers LOVE this concept :shock:

Mattress and furniture are the ones that I avoid online - too hard to see & feel what your getting.
by rob
Fri May 22, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6453

Re: Discarding Music CDs

Years ago Linn took a lot of guff for saying that whether or not you found yourself tapping your foot to music was a good “tell.” I find that certain rooms and equipment and music formats make me return to listen to more, whereas other combinations of equally pricy stuff doesn’t. The proof of the p...
by rob
Fri May 22, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: WFH and taxes
Replies: 11
Views: 1405

Re: WFH and taxes

With the vast shortfall in revenue all states will suffer... you can bet this is going to be a topic of conversation next year tax time..... I regularly have to do many state tax returns because employer counts days traveling to other states and withholds to the relevant states based on that. It's a...
by rob
Fri May 22, 2020 10:47 am
Forum: Personal Investments
Topic: Combine 401k Accounts?
Replies: 8
Views: 363

Re: Combine 401k Accounts?

Some plans have restrictions on inbound rollovers - check the new plan. eg. One prev employer would not allow rollover $ to be invested in the stable value fund.
by rob
Thu May 21, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1012

Re: Please recommend a comfortable sofa bed

When we bought our futon, the store had a choice of mattresses for it. We spent a little more and got the better one. It is a "full" size and is quite a nice mattress. Agree... We have one that is brilliant to sleep on and is comfortable as a couch. It's basically a thick mattress that creases in t...
by rob
Tue May 19, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6453

Re: Discarding Music CDs

On the topic: Drop them off at goodwill - they list and sell a lot of stuff and over time will get some $$ for them. You never know - stranger might be more $ :-)

If I select all MP3's and hit play = Longer than any optomistic projection of my lifetime :shock:
by rob
Tue May 19, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 19710

Re: What is your most luxury/expensive hobby.

Third Son wrote:
Tue Feb 11, 2020 11:20 am
Photography and the necessary travel that goes with it :-)
Ain't that the truth... Same here :shock:
by rob
Tue May 19, 2020 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21093

Re: Vanguard brokerage account transition

Not that I am advocating this, but what prevents Vanguard from "divorcing" a customer they no longer wish to have a business relationship with? This is exactly what's been done here.... Vanguard now brings in trillions and they don't need the hassle; people who need minority features (compliance re...
by rob
Mon May 18, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3871

Re: Wall Street says stocks are very overvalued

From the same crowd that predicted 100 of the last 5 price drops and 200 of the last 6 price jumps..... but always with a straight faced explanation AFTER the fact. Let me file that where it belongs...
by rob
Mon May 18, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5710

Re: Social Security is an asset....yet again

To me an asset means that you must be the owner of the entire pool of cash and must be able to use it in rebalancing..... It's clearly not. I - like most I suspect - think of it as a possible income stream (a shaky floor if you like) that reduces the drawing requirements on the savings portfolio; bu...
by rob
Mon May 18, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5710

Re: Social Security is an asset....yet again

Maybe I didn't notice but did the author include the 20%+ reduction in benefits that will occur in the early 2030s? Is this the currently projected shortfall or something specific that is already slated to change?? Just started looking a bit further out at retirement issues so this is of interest...
by rob
Mon May 18, 2020 1:32 pm
Forum: Personal Investments
Topic: RSUs [how long to hold]
Replies: 32
Views: 1402

Re: RSUs [how long to hold]

Let me rephrase your question... Would you take cash today and buy your employer's stock? If no then cash them asap. If yes then how long would you hold them? Same answers all around....

Options are a different animal but RSU's are fairly simple IMO.
by rob
Sun May 17, 2020 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8647

Re: Vanguard Mutual Fund Platform EOL

I have also not received this notice, but there appears to be a switch that diminishes the number and urgency of “upgrade notifications.” After we explained that forcing us to upgrade would mean having to move to another company, they no longer informed us as often. We have also not gotten this lat...
by rob
Sat May 16, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Programming Course- Summer headstart for a highschooler
Replies: 11
Views: 671

Re: Programming Course- Summer headstart for a highschooler

The specific language is almost irrelevant.... If the school class is in Java then use that otherwise use Python - There are better and worse languages but they are the most common now and it's very useful to have online resources for help. I would ignore C++ (no real need for just C now) unless the...
by rob
Fri May 15, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8647

Re: Vanguard Mutual Fund Platform EOL

Maybe if they send a telegram the people who still care about this will get it, too. Should i tell you that i still use paper checks too? .... and for the people who work in certain companies that must have their BROKERAGE activity monitored (mutual fund accounts don't usually need that level of mo...
by rob
Fri May 15, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32903

Re: What are you listening to now

TnGuy wrote:
Fri May 15, 2020 4:09 pm
My favorite guitarist - Tommy Emmanuel - playing Blue Moon.


David
Completely agree.... My fav Guitar player by far! Make sure you guys also watch this.

As for right now; I'm a big Cranberries fan, but this (Bad Wolf) cover gets me every time.
by rob
Thu May 14, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8647

Re: Vanguard Mutual Fund Platform EOL

Maybe if they send a telegram the people who still care about this will get it, too. Should i tell you that i still use paper checks too? .... and for the people who work in certain companies that must have their BROKERAGE activity monitored (mutual fund accounts don't usually need that level of mo...
by rob
Wed May 13, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10845

Re: Dentist charges $10 for PPE

My dentist just bills me the gap from insurance payments vs. his charges.... and I just pay it (from an FSA if I can). I would far prefer that the bill is just higher than a specific charge for this or that. As someone up thread mentioned... it feels like the nickel & dime thing. Lots of personal pr...
by rob
Wed May 13, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6316

Re: WFW (Work from Wherever)

Been thinking about outside the US since my company will not be in person for a few months yet... The catch is limited flights, 2 weeks forced quarantine and more critically flights back. It's a bit of a gamble....
by rob
Tue May 12, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: International market recovery
Replies: 146
Views: 9444

Re: International market recovery

This topic has people all over the map... and for good reasons on both sides. Both sides fermentedly hold that they have the right position.... and for good reasons on both sides. Howdy I also have very strong and fermentedly held beliefs, usually after a few beers. Happy auto complete to all. W B ...
by rob
Tue May 12, 2020 7:34 pm
Forum: Investing - Theory, News & General
Topic: Experts say now is not the time to buy into index fund
Replies: 38
Views: 4523

Re: Experts say now is not the time to buy into index fund

...cloud tech and to specifically name one example, Zoom... ... and when Google publically opens it's SECURE, mature & integrated screen share [meet] in the next week or two - that will have no impact right? And when Facebook releases their announced equal - that will have no impact either? I mean ...
by rob
Tue May 12, 2020 4:39 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1293

Re: Considering a "Callan Diversification" style AA - your opinion

- I would junk commodities - no real expected return and too much speculation for my blood - I believe that the fund just changed objectives but might be wrong as don't follow much. - I would junk the junk bonds - seems to be a mix of equity and bond and neither at the same time. - The rest I don't ...
by rob
Tue May 12, 2020 3:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"
Replies: 44
Views: 5527

Re: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"

Study after study has shown that many people can't handle nearly what they think they can. They usually misjudge their own risk tolerance, leading to worse mistakes than if they simply had decreased their risk. I'd have to agree... I noticed that in myself this time around. While I didn't do anythi...
by rob
Tue May 12, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: International market recovery
Replies: 146
Views: 9444

Re: International market recovery

This topic has people all over the map... and for good reasons on both sides. Both sides fermentedly hold that they have the right position.... and for good reasons on both sides. I'd bet it's the most common differentiator in these parts. In the end.. neither reasonable position will be right or wr...
by rob
Tue May 12, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Digital Advisor—personalized online financial advice at your fingertips
Replies: 8
Views: 747

Re: Vanguard Digital Advisor—personalized online financial advice at your fingertips

Yeah... I wish we could spend money on the main web-site rather than this... but yeah sure it would help some people.
by rob
Mon May 11, 2020 10:31 pm
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 56
Views: 3498

Re: All small cap international

I'm 50/50 US vs non-US stocks and about-ish 1/3 in small int / emerging / large - gave some thought to skipping large but just could not justify to myself leaving it out. If I was closer to the BH 20% non-US, I would certainly skip large and just do small & emerging. I know I'm giving up on factors ...
by rob
Sun May 10, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4107

Re: What age do you use for retirement end date?

Yeah I hear ya... I use 80 but it's a WAG like yours. I doubt I will get out of my 70's - I'm hardly a health freak. I see retirement money needs as a U shape.... Higher at the start with travel, hobbies etc.; Dropping to far lower in middle where it's more sedentary with the odd Xmas/Thanksgiving t...
by rob
Sun May 10, 2020 11:18 am
Forum: Personal Investments
Topic: Treasury Direct IBonds - Base Interest Rate?
Replies: 7
Views: 711

Re: Treasury Direct IBonds - Base Interest Rate?

Sorry I was not clear... I can see the general list BUT in the online system I have a stack of purchases... I'd rather not manually match each of them up to the master list as it's just a stack of busy work. Looks like if I want it, that's what it is... instead of a simple value in the list :oops:
by rob
Sun May 10, 2020 10:51 am
Forum: Personal Investments
Topic: Treasury Direct IBonds - Base Interest Rate?
Replies: 7
Views: 711

Treasury Direct IBonds - Base Interest Rate?

Is there a way to get the base interest rate - sans total adjusted inflation rate - from the online system? I've been thru all the silly screen and nada I can find. I wish we would go back to paper IBonds :oops:
by rob
Sat May 09, 2020 8:12 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5107

Re: Where do you back up your important data?

This is really concerning. I just backed everything up on Backblaze based on a different BH.org thread..and bought a 2 year subscription. Now I'm not sure what to do... Do a test restore somewhere different and confirm... Carbonite is horrible because they hide that slow down after x space... or at...
by rob
Sat May 09, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17373

Re: Quitting a job after two weeks: relocation expenses

1.2M for a bit of time IS retirement money :oops:
by rob
Fri May 08, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3150

Re: Is it worth buying an infant car seat for each car.

Buy another.... They are fiddly to get installed correctly (most people don't) and swapping a few times a week will just be annoying for a small cost. At some point you will have the wrong car at the wrong time.
by rob
Tue May 05, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16261

Re: Neighbor’s contractor wants to access our property

Is this going to be one of those threads that lives on until the project is complete...so for the entire summer? Maybe, it depends if the OP discovers a locked floor safe encased in concrete in their closet that becomes exposed during the construction compaction. Ha! Did that OP ever have the threa...
by rob
Tue May 05, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Rules on returning to work after being furloughed due to COVID
Replies: 36
Views: 3245

Re: Rules on returning to work after being furloughed due to COVID

JonnyB wrote:
Tue May 05, 2020 11:27 am
Paid time off is an earned benefit that has cash value as indicated by the fact that an employer must pay an employee cash for accrued paid time off at termination.
Unfortunately this is not the case.... Also varies by state and employer policies. Here is one link with some useful info.
by rob
Tue May 05, 2020 12:26 pm
Forum: Personal Investments
Topic: Tell me what I don't know about retirement?
Replies: 55
Views: 4870

Re: Tell me what I don't know about retirement?

So you all know this is not a dead thread where OP disappears - Reading everything; appreciate all the replies... Will go thru in detail and respond more specifically.... Some stuff I knew, some not and clearly a lot more to come.... They don't make this easy - but what would life be without complex...