Search found 3169 matches

by edge
Wed Oct 18, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 22
Views: 1168

Re: Brick Chimney Issues

You should probably remove it.
by edge
Wed Oct 18, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 18
Views: 3355

Re: How did you rise into the Executive Ranks?

I managed my career in chunks of major transformation/change/growth initiatives. After each one was completed I evaluated whether it made sense to stay or go. This resulted in several high risk/high pay changes in roles and companies. Manage your career, don't let it be at the mercy of whatever comp...
by edge
Wed Oct 18, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 303
Views: 14446

Re: Fellow TDA bogleheads

Why wouldn't you transfer in-kind? Does Schwab not let you do that with VG funds? I have heard nothing of this and actually just bought some more VTI yesterday in my TDA account (a very small amount). If they drop VTI (the only thing I buy there) as free, I'll wait for all my investments to become l...
by edge
Sun Oct 15, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying 2nd House - Affordability Check
Replies: 17
Views: 1941

Re: Buying 2nd House - Affordability Check

Some of you said to sell my current house and just use that for a down payment on the new house and have a lower mortgage. Yes I could do that, but wouldn't it best to have another asset for the future? Maybe, maybe not. Depends on the type of asset. Small time rentals seem like a PITA for limited ...
by edge
Thu Oct 12, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4264

Re: WiFi [extender]

I have fios. Bought the fios one. Plugged it into Ethernet on same LAN as FIOS router. Immediately worked.
by edge
Tue Oct 03, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Factors are not characteristics but correlations
Replies: 13
Views: 1170

Re: Factors are not characteristics but correlations

I assume by timber they actually mean forested land that can be harvested for timber.
Blueskies123 wrote:
Thu Sep 21, 2017 7:51 am
Is not timber usually considered a commodity and infrastructure (if you mean company stock) equity?
by edge
Sat Sep 23, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1750

Re: Transfering 250K online from one bank to another

Unlikely. More likely to be a policy limit. The government is interested in large cash transactions (i.e., > $10k). Transferring from Bob's account at Bank A to Bob's account at Bank B will not draw attention. If I remember correctly, either Vanguard or BoA had a limit of $100k per transfer a while ...
by edge
Sat Sep 23, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6191

Re: What is your favorite reasonably priced bourbon?

Woodford Reserve

A bit shocked it hasn't come up.

Bulleit is an ok substitute. Eagle Rare/Four Roses

Knob creek is not a favorite, nor is Jim Beam.
by edge
Sat Sep 23, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3290

Re: Gaps in new hardwood flooring

With wider boards less tolerance for bad install.
by edge
Sat Sep 23, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Buckling in Hardwood Floors
Replies: 12
Views: 1011

Re: Buckling in Hardwood Floors

The glue used in these applications is a vapor barrier by itself. However, if the slab cracks/etc then it will fail. Yes, glued down engineered is typically ok on slab if installed correctly. The flooring might be engineered hardwood -- this would make a difference, right, at least in so far as conc...
by edge
Fri Sep 22, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: brand of solid wood floor-Help!
Replies: 9
Views: 959

Re: brand of solid wood floor-Help!

Yes, quality matters as far as milling and finish and grade. Armstrong is typically pretty good. Probably does not offer 'clear' level quality. Probably select at best, mostly common #1 which is totally fine depending on what you are going for. Thanks all. Yes. We are looking for prefinished red oak...
by edge
Fri Sep 22, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3290

Re: Gaps in new hardwood flooring

It could also be that your installer did not inspect the boards properly. But there is a chance that there's too many boards that are off.
by edge
Fri Sep 22, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Buckling in Hardwood Floors
Replies: 12
Views: 1011

Re: Buckling in Hardwood Floors

Take up some shoe molding to see if there is an expansion gap or not.
by edge
Fri Sep 22, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3654

Re: Luxury Car Purchase

This makes no sense for you.
by edge
Fri Sep 22, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8598

Re: VG wants everyone to transfer to a brokerage account?

It's probably a good thing. Maybe VG can save some costs by only focusing on one platform. And hopefully improve it....
by edge
Fri Sep 22, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3290

Re: Gaps in new hardwood flooring

Ok, so you chose a wide plank solid product from a non top line manufacturer. You are going to have problems.

If you go wide plank and want high quality you need a solid sawn product from a company like Vintage.
by edge
Sun Sep 17, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: brand of solid wood floor-Help!
Replies: 9
Views: 959

Re: brand of solid wood floor-Help!

Not sure what you are looking for, but the best pre-finished are from Canada: Vintage, Mirage, Muskoka. Make sure you are getting apples to apples. For example, the shoe molding. If it is stained to match vs. the generic painted white stuff. Or stair parts using treads/risers vs hacked together floo...
by edge
Sun Sep 17, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1396

Re: Should I upgrade an old but functional vanity?

They were solid. And it carried over the fronts and the frame of inset cabinetry. This is not simple. I haven't seen a solid wood vanity anywhere. Even in 10MM homes. High quality ply and solid faces, definitely. Extremely rare granite tops too. Solid wood in a bathroom is a bad idea anyway. I've se...
by edge
Sat Sep 16, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1396

Re: Should I upgrade an old but functional vanity?

I haven't seen a solid wood vanity anywhere. Even in 10MM homes. High quality ply and solid faces, definitely. Extremely rare granite tops too. Solid wood in a bathroom is a bad idea anyway. I've seen custom solid cabinet faces that had contiguous grain across the different drawers both horizontally...
by edge
Thu Sep 14, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2861

Re: "Luxury" Vinyl vs Laminate flooring?

Get wood. Hello all, I posted a question several months ago inquiring about a choice between wood look tile and a vinyl flooring. You folks were very helpful. Hoping to get some more advice here. We are looking to replace about 1000-1500 sq ft of tile in our Kitchen/Family Room/Living Room. We are c...
by edge
Thu Sep 14, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Raising/Eliminating a Drop Ceiling in a Basement
Replies: 6
Views: 559

Re: Raising/Eliminating a Drop Ceiling in a Basement

This is what we have. Better than drywall as it allows access and the high end products look pretty good too. 9+ ft ceilings in the basement make a big difference in what you can do in it and how it feels to be in it. I was wondering if anyone had any thoughts on spending extra money to get rid of a...
by edge
Sun Sep 10, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 2552

Re: Underlayment for hardwood floors

Usually 3/4 hw w/ tongue and groove is nailed down with a felt underlayment. Not glued unless it is slab. You mentioned wood subfloor which I assume is plywood. So, no glue.
by edge
Fri Sep 08, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Guaranteed 7% Real Estate Deal: Pull from Stock Market?
Replies: 36
Views: 3885

Re: Guaranteed 7% Real Estate Deal: Pull from Stock Market?

Sure, if it was actually guaranteed.

Which it isn't.
by edge
Thu Sep 07, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client, with a small twist
Replies: 18
Views: 1456

Re: Chase Private Client, with a small twist

What is the purpose of meeting with these guys?
by edge
Fri Sep 01, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4526

Re: Robert Kiyosaki - rich dad, poor dad

not recommended
by edge
Fri Sep 01, 2017 9:42 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16995

Re: [Are the Bogleheads] getting less interesting?

I think it means that you have achieved a level of knowledge in this space and can now spend time doing other things. That is the great thing about this investing approach. Once you set things up it does not consume much time.
by edge
Thu Aug 31, 2017 3:15 am
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Units...Profit?
Replies: 23
Views: 1818

Re: Restricted Stock Units...Profit?

Indeed, the OP's math seems all wrong. He does not 'have a great sum' of money coming his way. Also I am sorry to say that you are likely calculating things wrong and not sitting on a 6-figure windfall. Not sure why you think the dollar value of options provided by the company would then be multipli...
by edge
Tue Aug 29, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3097

Re: Evaluating new job offer

Seems obvious. No.

Unless you are leaving out a huge chunk of equity compensation.
by edge
Tue Aug 29, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8186

Re: Relative angry I will not co-sign

Don't co-sign loans with irresponsible people.
by edge
Sun Aug 27, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Really struggling: advice on accepting this new job offer?
Replies: 31
Views: 3100

Re: Really struggling: advice on accepting this new job offer?

Do not take the job. Express gratitude and appreciation and that the company seems like a great place to work. Request that if they have a more senior level opening to call you if it seems like a fit.
by edge
Mon Aug 21, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Question about type of account at Fifelity
Replies: 9
Views: 1019

Re: Question about type of account at Fifelity

None of this matters. They have free overdraft from your bank or fidelity brokerage. So you can keep fairly limited amounts in the cash account. I'm going to disagree with this. Fidelity offers a cash management account where your money defaults to being in a savings account at institutional rates, ...
by edge
Sun Aug 20, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: 2018 Merc S560, 2018 Lexus LS500 Discounts?
Replies: 38
Views: 3706

Re: 2018 Merc S560, 2018 Lexus LS500 Discounts?

No, its not reasonable. You got taken.
by edge
Tue Aug 15, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Managing Payouts to Contractor
Replies: 6
Views: 634

Re: Home Addition-Managing Payouts to Contractor

Why would it be hard?

Tie payments to milestones and backload things.
by edge
Tue Aug 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8584

Re: Is $9000 too much for a sectional sofa ?

At that size, is this even leather for that cost? I am guessing fabric. I would upgrade to leather. Especially with kids.
by edge
Sun Aug 13, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Paint vs. Stain on fiberglass door
Replies: 11
Views: 887

Re: Paint vs. Stain on fiberglass door

Staining is unlikely to come out well.
by edge
Sat Aug 12, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Core position in Fidelity
Replies: 24
Views: 2676

Re: Core position in Fidelity

Worrying about this is a waste of tine
by edge
Mon Aug 07, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Resting and Vesting
Replies: 4
Views: 1121

Re: Resting and Vesting

I've had this happen once as a senior executive. Just waited for retention bonuses and vesting to pop before moving on.
by edge
Sun Aug 06, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7492

Re: Study: Who Sold Stock During the 2008-9 Crash?

I'm on the upper end of things. I 'sold' but only for TLH. On a net basis I bought, a lot.
by edge
Sat Jul 29, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4474

Re: Wooden flooring in kitchen

I have oiled wood floors. Easy to repair. Low gloss. Finished in place.
by edge
Sun Jul 23, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16639

Re: Dividend Misunderstandings & Only Spend Return

Ehhh. No. If by 'real life' you mean 'a scenario you invented' then fine. You created a straw man where if two investors had 100% equities then the TSM investor would have had to sell more in a downturn. And the response is that this is a very bad strawman. In a major downturn the fixed income of a ...
by edge
Sun Jul 23, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16639

Re: Dividend Misunderstandings & Only Spend Return

Having cake and eating it too? I believe this timeframe included the financial crisis - which is the time period that you used in other examples to show the superiority of your approach. Now suddenly it is a 'cherry picked' time scale (which I believe was simply ten years)? You recommended several f...
by edge
Sun Jul 23, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16639

Re: Dividend Misunderstandings & Only Spend Return

It is irrelevant because if you designed your portfolio such that you are forced to sell equities during a downturn, then you did it wrong. Anyone who creates fantasies like you have earlier in the thread with make-believe math should get some thicker skin. Summary of argument: 1). Create pseudo mat...
by edge
Sun Jul 23, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16639

Re: Dividend Misunderstandings & Only Spend Return

Um....so are you advocating that people hold 100% dividend stocks in retirement and...hopefully the dividend carries the day as stocks plummet by half? Your initial psuedo-science posts belied the nuttiness to come! It is perfectly normal to compare distinct components of a portfolio. The problem is...
by edge
Sun Jul 23, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16639

Re: Dividend Misunderstandings & Only Spend Return

Yet another flaw in your fantasy. No one in retirement should be selling stocks after a 50% market crash. They would be selling their bonds. Calling the 'total market' the 'hot fund of the week' is astounding. You need to re-examine your thinking. The total market is the benchmark, hence why it is a...
by edge
Sat Jul 22, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 5156

Re: Do you find financial advisors to be all that bright?

Why would there be an expectation that they would be bright? They sell what they are told to sell and they try to be friendly with their marks.
by edge
Sat Jul 22, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Virginia 529 VSMPX
Replies: 3
Views: 294

Re: Virginia 529 VSMPX

aha wrote:How do I then track the performance using morningstar and such?

You don't.
by edge
Sat Jul 22, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16639

Re: Dividend Misunderstandings & Only Spend Return

You have wrapped yourself into a pretzel with bad math. Quarter 2 we have the nasty bear market in this high yield world like the example above. Both stocks drop 50%. You then have to withdraw $100. A pays the $100 dividend dropping to $50 / share: 100 shares @ $50 = $5000 at market ($10k intrinsic)...
by edge
Wed Jul 19, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6709

Re: anyone retire and move to a planned community in FL?

The smaller homes are on smaller lots. However, they all adhere to certain level of architecture and build standards that fit into the neighborhood well. They are high quality (same quality as the larger homes) and the choice to buy one or the other is viewed as a preference and not an economic choi...