Search found 1751 matches

by blevine
Mon Feb 19, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 17
Views: 1209

Re: To buy or not to buy in Boston for Investment

Went to school there years ago, and stay in touch with friends there. Seems to me real estate is so expensive already, you would be “buying high”. Tech is big there, and it’s a great place to live if one can afford it, but the main similarity to silicon valley is that employees of tech companies can...
by blevine
Sun Feb 18, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2123

Re: GEICO Auto Shady Practice?

“Just say no”
by blevine
Sun Feb 18, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Why not tax-exempt bonds?
Replies: 23
Views: 2276

Re: Why not tax-exempt bonds?

Depends on how much bond income you expect.
With new taxable income, maybe the additional taxable income would still keep you tax free ? At a 30% allocation in taxable, unless a very large portfolio, then probably you dont need muni tax exempt bonds.
by blevine
Sun Feb 18, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 68
Views: 5604

Re: Washer/Dryer longevity ?

dsmclone wrote:
Tue Feb 06, 2018 8:53 am
Everyone I've talked to that has bought a high efficiency washer said they would "go old school" if they had the choice again.
Agreed, most expensive appliances we bought were the worst ones over the years. This is one of the few cases where you in fact don’t get what you pay for.
by blevine
Sun Feb 18, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 13
Views: 505

Re: The Final Frontier...just did my own taxes!

Been doing own taxes for decades. Was easy when younger despite paper. Fortunately as it got more complicated, tax software came to the rescue. Today have wife with own business, MLP invesments with K-1 and past stock options, non trivial returns but TT has worked fine for me. No audits, only once d...
by blevine
Sun Feb 18, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6440

Re: Sell me on the benefits of an emergency fund

A major earthquake hits. Power is knocked-out, businesses are closed. The only thing being accepted is cash. I go to my safe and pull out my emergence fund - a stack on fresh bills to trade for food and water. Replace "earthquake" with "Chinese cyberattack" or "fire" or "flood" or ... US ccy is no ...
by blevine
Mon Feb 12, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7094

Re: I’m not renewing my Costco membership.

Never set foot inside a Costco.
Not even sure where is the local store.
Buy everything I can online, and if necessary, local/most convenient locations.
by blevine
Sun Feb 11, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: College 2020
Replies: 4
Views: 492

Re: College 2020

It is too short a time horizon to invest in stocks, IMO.
I would use a fixed income fund fo college at this point.

I had 529, and it worked out fine for us, not sure why you think it so restrictive.
by blevine
Sun Feb 11, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 232
Views: 14680

Re: free dinner investing seminar

A restaurant meal is not just food. You really go to a reataurant to have company of friends, a cook and someone to clean up. You would be there to listen to a pitch, not chat with friends. You are not really getting the restaurant meal value. Cook at home or take in from same restaurant and invite ...
by blevine
Mon Feb 05, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14535

Re: Vanguard site is crashed now?

What a joke Vanguard is. Can't even afford a computer system that works. I don't know about any of you but I have seen a continuous downgrade of caring about clients starting with Jack Brennan and then accelerating under Bill McNabb. Assets under management is all Vanguard cares about. Maybe Vangua...
by blevine
Sun Feb 04, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 6387

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

Regarding OP comment "why do you not use the that same reasoning to buy the market proportion of bonds to bonds?" Most types of bonds are not available to purchase, other than something like a US Treasury. Try and purchase some random specific issue of a muni or a corporate bond, it may not be avai...
by blevine
Sat Feb 03, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Multiple bank accounts - am I crazy?
Replies: 46
Views: 3477

Re: Multiple bank accounts - am I crazy?

3 for bookeeping purposes at one internet bank 1 cash mgmt at brokerage used for employer stock 1 local brick and mortar so i have a branch when needed Over time, will simplify. When I retire, employer stock brokerage acct may go. Internet bank will likely consolidate to one acct once my original bo...
by blevine
Sat Feb 03, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: "Muni Bonds Time Bomb" Barron's
Replies: 47
Views: 4820

Re: "Muni Bonds Time Bomb" Barron's

No free lunches. Why do you think muni yields have beem higher than treasuries for last few years, when historically they were lower ? Risk has grown, yields backed up. Yueld chasing results in more risk, either longer bonds for int rate risk, or credit risk in munis and worse in junk bonds. Note an...
by blevine
Sat Feb 03, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 21
Views: 1406

Re: Hulu, Your Current Favorite Show

While I agree the new UI is terrible, hard to beat thevno commercials option. I hate trying to fast fwd over commercials when I use dvr ok cable or other services. I fact hulu live has dvr too, and it stinks like the others. But if you are patient to wait a day, they have streaming w/o commercials f...
by blevine
Wed Jan 31, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting an offer from an employer who said previously no!
Replies: 30
Views: 3223

Re: Accepting an offer from an employer who said previously no!

randomguy wrote:
Tue Jan 30, 2018 8:53 pm
blevine wrote:
Tue Jan 30, 2018 8:08 pm
Shorter commute for more money = no brainer
And more hours. If the part time is 20 hours and the full time is 40, the pay difference isn't much
Does not change my view. I would rather be at the office improving my resume than sitting in a car.
by blevine
Tue Jan 30, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 6387

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

Regarding OP comment "why do you not use the that same reasoning to buy the market proportion of bonds to bonds?" Most types of bonds are not available to purchase, other than something like a US Treasury. Try and purchase some random specific issue of a muni or a corporate bond, it may not be avail...
by blevine
Mon Jan 29, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 4932

Re: Still working out of greed or fear?

Health insurance Desire to help children get a good start in life. Plan to help them education graduate debt free. When they are done (maybe grad school), I may stick around for health indurance for the wife and I. But for now tuition and healthcare for the whole family are compelling reasons. I cou...
by blevine
Sun Jan 28, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Trip cancellation insurance
Replies: 47
Views: 2323

Re: Trip cancellation insurance

Timely Article Are these firms really that bad ? My wife did get a refund due to a death in the family once, but the proof is in your own control and this article confirmed that worked well. What they challenge is when cancelation is at the discretion of the airline etc, such as die to a storm. http...
by blevine
Sat Jan 27, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella insurance
Replies: 11
Views: 1203

Re: Personal Umbrella insurance

You did not ask, but I had Nationwide for auto, home and umbrella years ago. I had switched to them from Allstate, but after a couple of years I switched back. They were not only a low tech outfit, but I had a very bad experience with the renewal process. They drove by my house maybe a month or two ...
by blevine
Fri Jan 26, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay for an accountant or do it myself online Turbotax?
Replies: 21
Views: 2063

Re: Should I pay for an accountant or do it myself online Turbotax?

Anecdotal but...people I know who switched accountants, the new accountant always reviews prior returns. And then points out the mistakes of your prior accountant. How do you know the new one did it right ? Best way is to do it yourself and if you find it very complex, you can always hire an account...
by blevine
Thu Jan 25, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8507

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

While I mentioned above I had just reactivate my iphone 5 (due to repair underway on a 6), my employer just informed me that corporate access via a 5 is no longer to be supported starting in February. Apparently you can't upgrade IOS to latest on the 5 and my employer insists your personal device mu...
by blevine
Thu Jan 25, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3666

Re: Strategies to combat the urge to spend?

Combat another urge....don't have kids.
That would save you a boat load of money.
by blevine
Wed Jan 24, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8507

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

Just sent my iphone 6 to Apple to get the $29 replacement battery. While waiting reactivated a 5c. It did the trick, for most of my needs. People thought I was crazy to invest in an old 6, but I was mostly happy with the 5c. Main pain point was thumbpring access. My employer makes us use long pwds i...
by blevine
Fri Jan 19, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 2002

Re: Alternatives to Subaru Forrester

Consumer Reports did a video review posted online. They compared Forester to it's two closest competitors, CRV and Rav. Subaru Forester by far had the best handling in snow and other challenging conditions per this review. I am on my fourth Subaru, 2 of them Foresters, 2 Outbacks. Love the Forester ...
by blevine
Thu Jan 18, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7685

Re: Short Commute or Nicer House?

Having done both...short commute. I drove just under 30 minutes reverse commute away from the city for a few years. Most of my career commute 90 min to the city. No comparison, if things are as you say. If they really do have safe, quality schools... fine. Fixing up an old house ia doable. You can't...
by blevine
Sun Jan 14, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8091

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

How long does it take to get your Vanguard withdrawals ? I rarely find that that I can't wait a day.

ACH transactions settle faster these days. You can get up to $25k quickly.

https://www.nacha.org/rules/same-day-ac ... er-phase-3
by blevine
Sun Jan 14, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 149
Views: 13283

Re: What is the best home exercise equipment?

Thanks everyone for their excellent responses. What do you guys think about the StairMaster ? https://www.amazon.com/StairMaster-140001-SM3-StepMill/dp/B00B1W8N0A/ref=sr_1_1?s=sporting-goods&ie=UTF8&qid=1467413857&sr=1-1&keywords=stairmaster This is my personal favorite indoor cardio equipment. Hav...
by blevine
Mon Jan 08, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7048

Re: Are Password Managers Really Necessary?

My passwords are in a file on my Linux laptop encrypted using gpg - OpenPGP encryption with a 128 character passphrase. A bit of a pain, as I have to decrypt the file to extract a password, but works for me. :beer +1 I have used similar solutions for a long time. Encyrpting a text file, allows me t...
by blevine
Mon Jan 08, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7791

Re: How much are you putting in a 529?

I am close to my last deposit of NYS $10k deductible investment. Have never done more than the amount that gets me an immediate tax deduction on my state taxes. Yes was nice to shelter more income from federal taxes too, but wanted to make sure I do not overfund. My goal was to get to the cost of a ...
by blevine
Mon Jan 08, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 4151

Re: Downsizing to one car in retirement...

3 cars for a family of 4 (2 college students and 2 parents). Someone is always home or able to get a ride. Considering when the time comes to get rid of the oldest of these cars, to maybe downsize to 2 cars. And of course kids will work and take another off my hands personally, so I expect to go fro...
by blevine
Mon Jan 08, 2018 4:55 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6072

Re: Misuse of adverse

In the passed, I have seen alot of misused words and phrases on this cite. Usually, I except a bazaar usage, because it does not effect me. The only time I would consider counciling a poster whom misspeaks is when they are writing about there job search or seeking career advise. In some fields, bra...
by blevine
Sat Jan 06, 2018 7:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4140

Re: DD just got married !

Best parents ever ! How lucky your D is.

My FIL years ago offered $ instead of the party, but MIL and DW would hear none of that.
I really had no say whatsoever....
by blevine
Sat Jan 06, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2814

Re: Airbnb - Guide a beginner

A caveat particularly applicable to such rentals in large US cities----investigate the neighborhood of your potential rental. My brother in law drives for Uber and Lyft in the New Orleans area. He will pick up tourists at the airport and frequently be asked to take them to their Airbnb locations in...
by blevine
Fri Jan 05, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2824

Re: Sling TV experiences

Another thing is there can only be ONE log-in at a time, if somebody else logs in then it kicks you off. That is only for orange channels like espn. For blue channels you can have 4 users. My wife and kids all watch on different devices at the same time. Personally I did not save that much money. W...
by blevine
Fri Jan 05, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Conceptually: *Why* does the Yield Curve invert?
Replies: 27
Views: 2595

Re: Conceptually: *Why* does the Yield Curve invert?

Another way to think of this is as if short term and long term bonds are two different asset classes almost. Short term bonds are good if you are investing for short term obligations or betting on inflation. Long term bonds are for longer term goals and hedges against deflation. So when people are c...
by blevine
Wed Jan 03, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: College scholarships: How much should I pencil in for my future students?
Replies: 54
Views: 2629

Re: College scholarships: How much should I pencil in for my future students?

My issue with high school sports: I see too many students who have gone all-in on their sport to the exclusion of other activities. However, if the student is not at a level to be recruited for that sport at colleges that are interesting to the student, the student then looks less interesting to th...
by blevine
Wed Jan 03, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 44
Views: 5726

Re: Anyone used Zelle?

Allstate owed me $ on an auto claim. Had option of snail mail check or electronic.
Electronic turned out to be zelle, and my deposit was received quickly.
I happened to use a bank on the Zelle list of participating banks, not sure if this would have been a good option if I used a different bank.
by blevine
Wed Jan 03, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 8185

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

You get what you pay for. We are the safest yet exciting large city. Police cost money. Mass transit costs money. Either you can afford NYC or you can't, but you'll have to pay your taxes to live here. I happily pay high taxes, could have moved to low tax states anytime in my career and never seriou...
by blevine
Tue Jan 02, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: College scholarships: How much should I pencil in for my future students?
Replies: 54
Views: 2629

Re: College scholarships: How much should I pencil in for my future students?

I don't think you should be planning in this way at all. Merit non-need scholarships are not some type of average one can expect. Merit is based on matching the needs of your child and the schools involved. The more your kid has to show, grades, accomplishments etc, the more attractive they will be ...
by blevine
Mon Jan 01, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out 401k Contributions
Replies: 11
Views: 942

Re: Maxing out 401k Contributions

My employer stops when you hit the $ limit.
by blevine
Fri Dec 29, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 3121

Re: Applying for financial aid with high income

Btw, you didn’t ask, but I disagree, respectfully, with @student above. Our personal experience is that the benefits of a selective private compared to a less expensive school extend beyond networking, although the networking is remarkable. No offense, but your stance is likely skewed by the fact t...
by blevine
Fri Dec 29, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 3121

Re: Applying for financial aid with high income

Private colleges might give you money. My son was offered about $13k in 2 College scholarships at BU when he was looking to transfer to a better school. Zip at WPI, where he attends now. I make less than half what you do. Both do CSS before the first year of attendance. Merit aid is always possible...
by blevine
Fri Dec 29, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard fund account zero balances again !
Replies: 0
Views: 332

Vanguard fund account zero balances again !

I know there have been threads, but this seems to change over time. I have a regular old style fund account, and try to use the Vanguard performance and portfolio tools. Used to be a very long time for those zero balance funds to "drop off". By drop off I mean, while you could toggle viewing or not ...
by blevine
Thu Dec 28, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6322

Re: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

Larger firms should have more resources to improve their infrastructure. One of the biggest problems with small-mid size asset management firms is they can't afford all the things they need to operate efficiently and effectively. There is a great deal that goes on behind the scenes in the actual man...
by blevine
Sat Dec 23, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4433

Re: opinions requested on student college decision / financial related

I went through this decision twice and at this very moment reaping the rewards of our decision to pay for two elite private schools. My youngest is now studying for a final exam in a very difficult class tomorrow morning. He is studying with and learning from some very bright kids. He has helped th...
by blevine
Fri Dec 22, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 30744

Re: The Wall Street Journal to close Google loophole entirely

Other threads involving bypass paying for a service are locked, how is this allowed to go on ? Clearly the WSJ intends to only offer a paid subscription. I pay for it, as it is one of the few sources of high quality journalism left today. NY Times and Wash Post too. You get what you pay for (or in t...
by blevine
Thu Dec 21, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 41
Views: 3318

Re: Google Project Fi - "Device Protection" problem

I have 2 dehumidifiers that have worked perfectly for many years. I agree about Verizon. Living with old cable over Verizon fiber, largely because I dont want to add to my Verizon dependence. Cable co, is pleasant, if not better tech. But my real beef is with insurance in general. Don't like the ide...
by blevine
Thu Dec 21, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4433

Re: opinions requested on student college decision / financial related

I went through this decision twice and at this very moment reaping the rewards of our decision to pay for two elite private schools. My youngest is now studying for a final exam in a very difficult class tomorrow morning. He is studying with and learning from some very bright kids. He has helped th...
by blevine
Wed Dec 20, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: How many 529 accounts?
Replies: 9
Views: 936

Re: How many 529 accounts?

I had created one for each and it was truly not necessary.
Only benefit would be if the kids are in school at the same time and you want to spend on both of them.
Even then, you can open a new acct at the time and roll $ from old consolidated acct to new temporary acct.
Would not bother now.