Search found 2622 matches

by epilnk
Sat May 09, 2020 12:54 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3148

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

All infant seats in the US pass the same safety standards and there is very little marginal difference among brands. However most of the protection they provide is due to two factors: proper installation and consistency of use. Given that installation is far more important than the seat itself, it i...
by epilnk
Wed May 06, 2020 3:12 pm
Forum: Personal Investments
Topic: Opening separate accounts
Replies: 10
Views: 769

Re: Opening separate accounts

Since I would be mailing in checks, I would start by calling Vanguard and asking about the linking issues. I would ask them to send me links to paper forms we print out so ‘we’ could: Open a taxable brokerage account (son#1) Open a guardian account -(son#2) Form to release guardianship status when ...
by epilnk
Tue May 05, 2020 11:13 am
Forum: Personal Investments
Topic: Opening separate accounts
Replies: 10
Views: 769

Re: Opening separate accounts

I'm interested how are you going to teach once the accounts are open? The way I learned was listening to my dad who spent hours researching companies and money on newletters, and buying JDSU about here: https://i.postimg.cc/pmbSD5Rw/jdsu.png And AOL here: https://i.postimg.cc/PP8cpQsb/aol.png I too...
by epilnk
Tue May 05, 2020 10:59 am
Forum: Personal Investments
Topic: Opening separate accounts
Replies: 10
Views: 769

Re: Opening separate accounts

Is either son a minor? (minors can't own accounts directly) If not a minor, they need to open the accounts for themselves. Do they both prepare their own taxes? Can they afford to pay tax on dividends and capital gains? Are they agreeable to this? Will they select the funds and enter the orders or ...
by epilnk
Tue May 05, 2020 12:23 am
Forum: Personal Investments
Topic: Opening separate accounts
Replies: 10
Views: 769

Opening separate accounts

I would like to open two new Vanguard accounts to gift to my sons for the purposes of teaching them how to invest. I do not want either my bank account or my vanguard account information to remain linked to theirs, but the younger one does not yet have a bank account of his own (we will rectify this...
by epilnk
Mon Apr 20, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 128
Views: 13155

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

Crazy like a fox. For simplicity (ok too lazy to calculate) I am pulling simple yoy numbers off VG, so this isn't limited to the downturn: total return since april 2019: -5.7% equities: -12.9% bonds: +5.0% What kinds of bonds are you holding? If I average across my bond holdings for 1 year, I get +...
by epilnk
Thu Apr 16, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5456

Re: Convince me - for or against bigger home

As others pointed out, optimizing your current home may be the wisest choice. But you may need more space eventually. As the kids get bigger, the space gets smaller. And this isn't really a family of 4, since you have both sets of parents living with you part time; your space needs are more comparab...
by epilnk
Thu Apr 16, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 128
Views: 13155

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

Crazy like a fox. For simplicity (ok too lazy to calculate) I am pulling simple yoy numbers off VG, so this isn't limited to the downturn: total return since april 2019: -5.7% equities: -12.9% bonds: +5.0% Now of course I'm not buying bond funds any more. I've temporarily halted dividend reinvestmen...
by epilnk
Thu Apr 09, 2020 8:40 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11017

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

17 years seasoned as a Boglehead, on my 3rd major downturn. The first one made me a Boglehead, the second one increased our net worth, and the results aren't in on this one. Recently (last summer, after the yield curve inverted) I sold equities, rebalanced our portfolio in a more conservative direct...
by epilnk
Mon Apr 06, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Another college choice question
Replies: 28
Views: 1558

Re: Another college choice question

So full ride, 3 honors programs, lots of perks, paid industry conferences, study abroad stipend, AND he can see himself there and thinks it's a good fit? What was the question again? Because I'm not seeing any downside here, as long as the program is respected and he will get a good education there....
by epilnk
Fri Mar 27, 2020 4:56 pm
Forum: Investing - Theory, News & General
Topic: Does anyone else think this is a once in a lifetime opportunity to buy treasuries?
Replies: 68
Views: 8447

Re: Does anyone else think this is a once in a lifetime opportunity to buy treasuries?

I sure wish I had more long treasuries. There have been several times during the past 20ish years in which I have wished that - they kick butt in downturns. Maybe one of these days I'll get around to writing a larger allocation into my IPS. However every time I have wished for more long treasuries, ...
by epilnk
Fri Mar 27, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296810

Re: Coronavirus and the market

I haven’t yet made my IRA contribution for 2019. Does anyone know if that deadline has been moved along with the tax filing date, or is it still April 15?
by epilnk
Tue Mar 24, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296810

Re: Coronavirus and the market

Things go up, things go down, things keep going up and down. Anyone trying to capitalize on short term market movements is gambling, not investing. This is where a written IPS comes in handy. You think through different scenarios calmly, when you aren’t actually facing them; you can lay out your if-...
by epilnk
Mon Mar 23, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296810

Re: Coronavirus and the market

ofcmetz wrote:
Mon Mar 23, 2020 1:31 am

My other question is for those who sold at the top. At what point do you get back in?
For me personally it will be some time after stock market movements stop being major daily headlines.
by epilnk
Mon Mar 23, 2020 12:27 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296810

Re: Coronavirus and the market

Stay the course does not mean never ever adjust your course. When your goal changes your route changes; when an obstacle appears in your path you steer around it. You can in fact change course as needed. You just need to be deliberate about it, not always chasing after the latest hot trend. I do a p...
by epilnk
Sun Mar 22, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296810

Re: Coronavirus and the market

It's really, really bad. And as I've stated her a number of times, I believe much worse that what is already priced in. I think the country is still in denial. And as I've noted here many times, there are a number of events that will almost certainly happen in the coming weeks that I believe will t...
by epilnk
Wed Feb 19, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128939

Re: Coronavirus (Consumer Issues) How you are preparing?

[quote=wolf359 post_id=5028912 time=1582043891 user_id=76205 According to the CDC, around 12,000 people die from the flu every year. Last flu season, 61,000 people died, and over 45 million were infected. The world didn't end last year. [/quote] Reporting cause of death is not quite as straightforwa...
by epilnk
Sun Feb 16, 2020 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Out of State Colleges - Good Computer Science Bargains?
Replies: 65
Views: 4540

Re: Out of State Colleges - Good Computer Science Bargains?

Unlikely your kid will be admitted to any of the heavily impacted schools (like SDSU or SLO) as a freshman. She doesn’t have the grades for that. She will need to either choose a less popular school or go to community college first. She’s also unlikely to get a merit scholarship anyplace, unless sh...
by epilnk
Sun Feb 16, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128939

Re: Coronavirus (Consumer Issues) How you are preparing?

As someone who was for a while in an epidemiology program (did not finish with a degree, no particular expertise beyond an above average familiarity with the issues and variables), I am moderately concerned. We simply don't have the data yet to know how worried we should be. It spreads like the comm...
by epilnk
Sat Feb 15, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: What counts as room & board for college student?
Replies: 29
Views: 2653

Re: What counts as room & board for college student?

We are fully paying for college through the 529. My freshman lives on campus and there are 3 meal plans to choose from, but after he discovered how much he likes the cafeteria (not at all) he asked to switch to the minimum meal plan, which covers only 2 meals a day 5 days a week. We supply additiona...
by epilnk
Sat Sep 21, 2019 1:59 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 11793

Re: How hard is it to get into college?

It is easy to get into college - all you need to do is apply to the schools that are good fits. The same reach/match/safety strategy I used 40 years ago still works well. But when everyone has to go to the “top” colleges it becomes a numbers game. Around 4 million students apply to college each year...
by epilnk
Sun Aug 18, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3970

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

We did a rent back on our most recent house. The sellers were relocating but their purchase fell through just as they were listing their own house. When we were asked if we would consider a rent back we jumped at it - it was a hot market with low availability, and since we were moving within town we...
by epilnk
Sat Aug 17, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Moving for better public schools?
Replies: 64
Views: 5869

Re: Moving for better public schools?

Greatschools scores, as others abundantly pointed out, are bullshit. It's just a real estate site. Disregard. In some places private schools are superior to public. In others, public are better. Where I live the private schools underperform. But that's not really surprising, since we chose this town...
by epilnk
Fri Aug 16, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance...am I missing something?
Replies: 15
Views: 1121

Re: Refinance...am I missing something?

We bought our first home in the late 90s, and refinanced so many times over the next 10-15 years I can't remember the total. I always went for no cost refis. That never got me the absolute lowest rate, but it worked out really well. There was no breakeven point, since if I didn't come out ahead on d...
by epilnk
Wed Jul 10, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 394
Views: 70765

Re: Bonds - Throw it all on the table!!!

Years ago TIPS were a much more popular strategy and I believe holding. I have not read as many posts about them. I still hold TIPS. They have definitely underperformed over the last 15-20 years - certainly not something to write in bragging about. But they're a hedge; my IPS calls for them, so the...
by epilnk
Tue Jul 09, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: Was the great bond bull market just plain bull?
Replies: 47
Views: 5972

Re: Was the great bond bull market just plain bull?

15ish years ago after reading both David Swenson and Annette Thau I reconfigured our portfolio to include a hefty portion of long bonds. At the time everybody here (well almost everbody) knew interest rates had nowhere to go but up. Most of the bond debates here were whether to continue to hold inte...
by epilnk
Wed Jun 12, 2019 7:49 pm
Forum: Personal Investments
Topic: VG website gone wonky?
Replies: 9
Views: 1337

VG website gone wonky?

I logged in to vanguard today and the website looked bizarre. Huge fonts, lots of white space, can't see all my investments on one screen. Way too much scrolling around, very hard to use. Is this a glitch, or did some website designer recently lose his mind? Is there any way to change the settings t...
by epilnk
Wed Jun 05, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 6737

Re: Would you buy a house without a garage?

I got to park in a garage for the first time ever in my mid 50s. Our fourth owned house; I've lived on both coasts, in snowy climates, a mild climate, and (currently) a hot climate. I didn't know what I was missing - it's surprisingly awesome to get into a cool car on a hot day and bring the groceri...
by epilnk
Sat Jun 01, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3524

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

Our Bosch wall ovens are a good excuse to order takeout. We should probably start preheating them a day in advance. Assuming they are original to the house they are about 15 years old.
by epilnk
Sat Jun 01, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 15488

Re: Should I encourage my kids to work in high school/college?

First thing I saw when I came to US was that all graduate students are Asian or, sometimes, Eastern European, while undergraduate students are mostly Americans which, among other things, have to balance a job with studies and perform badly in the class (I was a TA). As I mention on another topic, g...
by epilnk
Thu May 30, 2019 5:57 pm
Forum: Personal Investments
Topic: Buying treasuries other than ultra short term?
Replies: 45
Views: 3257

Re: Buying treasuries other than ultra short term?

For a long time, people have been saying that rates have nowhere to go but up. If you have bought long-term treasuries when that statement started, you would be feeling very smart right now. Can confirm. Shifted a portion of the bonds into long treasuries about 15 years ago, when everybody was sayi...
by epilnk
Thu May 30, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 15488

Re: Should I encourage my kids to work in high school/college?

My senior attends a high achievement high school. He worked just a few hours a week during the school year, more in the summers, and the experience was nothing but positive. He still had time for athletics and extracurriculars and plenty of time to hang with friends, though he's a remarkably organiz...
by epilnk
Thu May 30, 2019 1:43 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6641

Re: Anybody try the Blue Apron or the like?

We used Blue Apron twice a week for the better part of a year and were very satisfied with it. It pried our family out of a rut and got our sons to try a wider variety of dishes. Most importantly, it taught our 16 year old to cook, and cook well. His brother was already quite capable in the kitchen ...
by epilnk
Mon Jan 14, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

Re: too much college savings

I'm counting 2 (or 3?) 529s per student. If you are sure you will have leftover, then when you start paying the college costs, you should withdraw from whichever account has the higher % of earnings first. E.g. if one balance is 50% profit and the other is 30% profit, then withdraw from the first o...
by epilnk
Mon Jan 14, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

Re: too much college savings

I wouldn't worry about this until all your kids are done with school. What if younger siblings want to go to medical school? Or their college takes more than 4 years? Then I doubt there will ever be enough in the 529. (I believe you can also use the money now for K-12 education.) The way your post ...
by epilnk
Mon Jan 14, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

Re: too much college savings

Incidentally, your predicament is why we decided to fund part of our children's education with a 529 and part with taxable money. My logic was that a dollar saved in a 529 when my son was an infant had 20 years to grow tax free and would almost certainly be spent. As I kept adding to the 529, the y...
by epilnk
Mon Jan 14, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

Re: too much college savings

Don’t forget he needs a new laptop every single year so he can give you the old one :) What is the earliest I can buy him a new laptop using 529 funds? He's a high school senior with an aging laptop and he'd love a new one, but during high school the only expense that qualifies is tuition (I think)...
by epilnk
Mon Jan 14, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

Re: too much college savings

Spouse or you can benefit from future education expenses. You can also save account for grandchildren. Spouse and I already have PhDs. And sadly, my odds of grandchildren are not high. One son's disability is genetic dominant and he is determined to not pass it on, the other suspects he will remain...
by epilnk
Mon Jan 14, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

Re: too much college savings

And he's got some tricky medical needs that we are nervous about him managing on his own. if he has medical needs does he meet the definition for an ABLE account? If so, you might be able to transfer funds from 529 to ABLE. This article says how: https://www.able-now.com/resources/news/how-to-trans...
by epilnk
Sun Jan 13, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3802

too much college savings

Our original plan was to save enough in 529s to provide a free ride to a state university (with some left over for postgrad) or most of a private university. Everything inherited when my second parent died went in there, so most of the principal has been growing since infancy, plus added bonuses. We...
by epilnk
Wed Oct 24, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629741

Re: U.S. stocks in freefall

WhiteMaxima wrote:
Tue Oct 23, 2018 11:55 am
Rebalance, DCA.
No need. My portfolio rebalanced itself today, and saved me the trouble. Sweet.
by epilnk
Thu Oct 11, 2018 6:49 pm
Forum: Personal Investments
Topic: Bonds. More bonds.
Replies: 2
Views: 883

Bonds. More bonds.

Hi all, We have a sudden need for a lot more bonds in taxable. We already have a large chunk of our portfolio in state munis - as much I am comfortable holding at the moment, so I prefer not to increase. So I'm looking to add new bond funds for the first time in more than a decade, and I see that VG...
by epilnk
Wed Sep 19, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2375

Re: Home away from home

I have never been in that situation but if he does a things like yard work and repairs around the house then you might start doing those when he is out of town or use a lawn service and a handyman so that he does not have a weeks worth of chores waiting for him when he returns. Eating when you are ...
by epilnk
Wed Sep 19, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2375

Re: Home away from home

I'm thinking maybe get an apartment if the company would fork out for that? 1/4 of his life is a lot of time to spend in a hotel. We are definitely thinking about whether we could manage that in the long run, once he's settled into the position and knows the city a bit better. We'd have to see what...
by epilnk
Wed Sep 19, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2375

Re: Home away from home

Yes, have him find a place where he can leave a couple of suitcases, and have that include clothing and perhaps some toiletries, etc. The nicer places (I doubt the company would spring for this level/$$) would have his clothing all pressed and hanging in the closet when he arrived, and pack up for ...
by epilnk
Wed Sep 19, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2375

Home away from home

My husband recently took a job requiring one week per month in another city, requiring a fairly long flight. His company will put him up in an extended stay hotel during those weeks but I would like to make this as comfortable and convenient as possible. People who regularly travel to a second locat...
by epilnk
Tue Sep 18, 2018 1:31 am
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2555

Re: how do/did you teach your kids finances/investing?

I started my kids with tiny weekly allowances - initially 75 cents for the 4 year old and 50 cents for the 3 year old - and brought them to the dollar store to spend it. This forced them to save up. It also functioned as a math lesson - they were paid in an assortment of coins and had to accurately ...
by epilnk
Sat Sep 01, 2018 10:44 pm
Forum: Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 115
Views: 9940

Re: Is it time to go shorter in bonds ?

I'm a long time member here. I was a boglehead back when bogleheads were diehards, back in the M* days. I was pretty active my first 10 years or so but got kind of tired of certain things, and more or less quit about 5 years ago. I check back in now and then to see if things have changed, maybe to s...
by epilnk
Wed Aug 22, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 16538

Re: As an American, where are some great places in the world to retire?

I don't think any if those cities offer a particularly good quality of life. However Oakland has an unique combination of high prices, high taxes, ugliness, crime which is very hard to match even if you tried to. It is practically the opposite of a good place for retirement by normal standards. Nor...
by epilnk
Tue Jul 31, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 29978

Re: Treasury Bonds are the Only Bonds You Need

This has been my philosophy for many years now - I don't know how long, but well before the 08 crash. Swenson also advocates holding fixed income in treasuries. It has served me well. However past performance is no guarantee of future returns, and the world is changing. I've begun adding corporates....