Search found 2936 matches

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: 291

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: 263

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: 19
Views: 1346

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: 47
Views: 4719

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: 2823

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: 1974

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: 1494

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: 7061

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: 154
Views: 6579

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: 92
Views: 14430

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: 5828

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: 3114

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: 528

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: 822

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: 3648

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: 2395

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: 77
Views: 8719

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: 1980

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: 390

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: 7775

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: 12687

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: 10382

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: 2705

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: 1092

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: 801

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: 4194

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: 1755

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: 7286

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: 4472

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: 4072

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: 156
Views: 17149

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: 3892

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: 2409

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: 2544

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.
by rob
Mon Jun 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18293

Re: Life in retirement - what did you do today?

Yesterday, I was flying from Denver to Washington, DC. The flight departure was changed from 4:30pm to 5:11pm, then to 6pm, then to 8pm, then to an indefinite time with a strong possibility of cancellation, and finally to 9:49pm. There were over a hundred angry, agitated and nervous people. And the...
by rob
Fri Jun 08, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4227

Re: Death - Prediction

The old joke is I want to go like my grandfather quietly in his sleep - not like the passengers in his cars screaming for their lives as they ran off the road :D I dunno.... It's about quality of life for me - and I suspect most people. I hope to live no longer than I'm aware of my own life with a r...
by rob
Thu Jun 07, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 9320

Re: Indexing will fail investors in next decade

I do think there will eventually be conflicts partially based on water but as an investment strategy... yeah :oops: As to the indexing - where does he expect stocks to hide so they are not in the broad indexes?
by rob
Mon Jun 04, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4203

Re: Can a physician work in tech while practicing as well?

The issue is that both are professions that require vast amounts of on the job learning - the paper stuff is a starting point. Despite what the "internet" thinks the mechanics of getting a language to do something is not a professional programmer make. There are some overlaps in the analytics worlds...
by rob
Sun Jun 03, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4650

Re: Travel advice for an engineer

lthenderson wrote:
Sat Jun 02, 2018 10:27 am
10 International Space Station
LOL - Well that's going to stop people ticking off everything on your list :-)
by rob
Sun Jun 03, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 47
Views: 4719

Re: Vanguard platform

Why stay with 19th century stuff, jump to the 21st century and join the FUN. Your money, your portfolio, your decision. Gracias por leer / cfs I agree... which is why I an NOT moving until they make me.... I have one acct in the new and wish I'd never done that - they convinced me my issues would b...
by rob
Fri Jun 01, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1880

Re: Microsoft Edge versus Chrome

brokendirtdart wrote:
Fri Jun 01, 2018 9:42 pm
IE is just something that usually works with certificates for me.
If you have not tried.. There is a chrome extension called IE Tab that I have had decent luck with for ye-oldie websites.
by rob
Fri Jun 01, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1880

Re: Microsoft Edge versus Chrome

Chrome is better but your leaking more info to google.... You could try firefox also. It's more of a preference than anything.
by rob
Fri Jun 01, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4650

Re: Travel advice for an engineer

Limiting to personal experience where they made me pause and say... wow.... * Sun/Moon pyramids near Mexico city. * Opera House & Harbour bridge in Sydney. * Yorkminister in York. * Colosseum & St Peter's in Rome - I know they are a tourist trap. * British Museum & Shad in London. * Eiffel tower in ...
by rob
Fri Jun 01, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18170

Re: Top Shelf Liquor Overrated?

I've always found some challenges to exploring this question: 1. How much side-by-side testing can you do? Let's say I want to decide which tequila I like the best. I buy four bottles and compare them. Now I have more than a half-gallon of tequila, which will last some time. One can go to a bar tha...
by rob
Fri Jun 01, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18170

Re: Top Shelf Liquor Overrated?

I could never tell the difference between Vodka. Scotch I have some fav's but that is more likely style/type over price specifically.... I don't drink a lot of spirits, so likely it's just a few that I like and tripped over early on - if you drink with coke or something I have no doubt brand is irre...
by rob
Thu May 31, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 3148

Re: Roommate in a house?

I'm lost on a number of posts above that say there is no income?? Whether flatmate pays bills instead of (or partially) rent or cash in little brown bags, does not change the fact there is income. That income should be reported.
by rob
Sat May 26, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Misuse of the word "technology" in finance
Replies: 19
Views: 1331

Re: Misuse of the word "technology" in finance

jalbert wrote:
Sat May 26, 2018 6:36 pm
Fidelity had a website for 401K administration but nobody would call them a tech company on account of it.
I work at a similar company that - like most - is trying to pass itself off as a "fintech" company... better stock multiples that way :oops:
by rob
Fri May 11, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Time Span Between Job Changes
Replies: 16
Views: 1561

Re: Time Span Between Job Changes

I would not care about a few months if it was in context of longer roles - I know this is more common now but I really have issues with strings of 9-12 month roles (Edit: Unless it was in the context of short-term contract roles).
by rob
Wed May 09, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1601

Re: Family Vacation in Late Feb

Texas? Bit off the usual tourist path from above and warm with stuff the kido's would like.