Search found 3283 matches

by edge
Thu Oct 18, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 36
Views: 2539

Re: Approach to rescinding a job acceptance

By accepting the counter you are going to work hard to be re-accepted by your current company.

I would never accept a counter.
by edge
Thu Oct 18, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 77
Views: 5349

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

DJN wrote:
Wed Oct 17, 2018 10:20 am
The maths are interesting but for me cashing in the $300,000 by reducing your mortgage is very attractive because you are locking in your hard won gains of the last 10 years or so. As they say once its gone its gone!
this does not lock in any gains. it reduces debt.
by edge
Sun Oct 14, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Cassaday & Co. (Financial Advisors)?
Replies: 12
Views: 999

Re: Cassaday & Co. (Financial Advisors)?

This is actually highly inaccurate. Very few advisory’s are fiduciaries. Curious whether or not any Bogleheads have had first-hand experience with Cassaday. They seem to be mainly focused on clients in Virginia/DC. I ask because a friend has recently signed on with them after being a DIY investor. H...
by edge
Wed Oct 10, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: No Touch ID on Vanguard's mobile app for Android
Replies: 11
Views: 978

Re: No Touch ID on Vanguard's mobile app for Android

I’ve had problems with the iPhone fingerprint on the VG app where it will quickly fail to authenticate multiple times and lock me out.

I don’t use it anymore.
by edge
Sun Oct 07, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2063

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

It is possible to use the cash management account and the 'Cash Manager' settings to pull from higher yielding investments automatically.
by edge
Sat Oct 06, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1517

Re: Washington, DC Trip & Fine Dining in the Area

There are extensive dining options in the greater DC metro. It is impossible to cover them all unless first narrowing the request a bit. Here are a few:

https://www.washingtonian.com/2018/02/1 ... ants-2018/
by edge
Sat Sep 29, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 3946

Re: Salary negotiation: saying a number first on purpose?

Making a first offer is fine - if you have enough information to do so
by edge
Mon Sep 24, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Best paint finish for garage?
Replies: 12
Views: 1240

Re: Best paint finish for garage?

Semigloss is going to show a lot of imperfections in the typical garage drywall. even eggshell will probably be ugly.

Unless the drywall is finished to interior wall spec.
by edge
Thu Sep 20, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: In defense of Hedge Funds
Replies: 19
Views: 1085

Re: In defense of Hedge Funds

Um...stock index funds do take into account the returns of companies in the index that fail... How about survivorship bias? Good luck. Everything is survivorship bias. It is a really overused term in my opinion. Even the broad indexes exhibit survivorship bias. As far as I know, no one born in 1865 ...
by edge
Thu Sep 20, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1370

Re: Painting kitchen cabinet

I am not following why you would want to both paint and stain your cabinet.
by edge
Sat Sep 15, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 8494

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

I only fit in the AE 97, 511, 201. But I do notice that inexperienced buyers just adjust the width till their foot fits. Regarding the rain/snow. First, these shoes are kinda dangerous in slippery conditions. If you intend on wearing them all the time you should get rubber applied to the forefoot. A...
by edge
Thu Sep 13, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 8494

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

The Allen Edmonds 'Independence Collection' is more sleek and elegant than many of the British shoes. To be clear, the trade off is a durability penalty. These shoes also come with a very comfortable lambskin lining and extremely high quality calf. Allen Edmonds are good quality, but the they have t...
by edge
Thu Sep 06, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4021

Re: Gentlemen: underwear shopping question

I prefer Adidas climacool.

They are less economical but breathe very well.
t3xn wrote:
Sun Sep 02, 2018 11:18 am
Adidas, best I've ever worn

$17.99 for a 3 pack at costco but they sell them in other stores also
https://www.costco.com/Adidas-Men's-Spo ... 15554.html
by edge
Fri Aug 31, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4481

Re: Zelle, online payments

What makes you think that financial transactions will be public?
UpperNwGuy wrote:
Thu Aug 30, 2018 3:53 pm
Why would anybody want their financial transactions to be public? Paying one's bills is not at all like tweeting one's opinions.
by edge
Thu Aug 30, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4481

Re: Zelle, online payments

treat zelle payments as if they are cash. only send money to people you know and/or have already rendered service.
by edge
Mon Aug 13, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 6522

Re: how much car can we afford?

This was an 'which' question, not a 'yes or no' question. What does net mean here? Let's say he pays 100k in taxes so his net is 200k. He can only afford a 20k car? Or are you saying he can afford 20k in lease or car payments per year? how much car do you need? maybe 15-22k for a reliable and reason...
by edge
Sun Aug 12, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 6522

Re: how much car can we afford?

What does net mean here? Let's say he pays 100k in taxes so his net is 200k. He can only afford a 20k car? Or are you saying he can afford 20k in lease or car payments per year? how much car do you need? maybe 15-22k for a reliable and reasonable vehicle. how much car can you afford? maybe 10% of yo...
by edge
Mon Jul 23, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2676

Re: Rain shower

We never used the rain shower component. Most important was steam shower, thermostatic, and multi-head (spray handle + overhead).
by edge
Sat Jul 07, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575880

Re: What's Your Credit Card Rewards Strategy?

Fidelity 2% visa
Citi AAdvantage
by edge
Tue Jul 03, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can I finance a new home abroad (Carribean)???
Replies: 53
Views: 4686

Re: Can I finance a new home abroad (Carribean)???

While mostly true,very long term variable loans are becoming common in Asia. That being said I would really like to know if there are any options for me to acquire a US backed loan with reasonable fixed rates. Local mortgage rates in the Dominican Republic are very high (between 18% and 26%) and are...
by edge
Tue Jul 03, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8586

Re: What % of your equity is int’l?

40% of equities
by edge
Sun Jul 01, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 42
Views: 8163

Re: >$250,000 portfolios with Vanguard? Insurance?

I meant insurance against market risk. I am not aware of property and casualty insurance for brokerage account balances :-) That's exactly what there is. Beyond SIPC brokerages like Fidelity have their own insurance to guard against theft or other losses not associated with market value. Most people...
by edge
Sun Jun 24, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8893

Re: how to make friends in new location?

Amen, relationships with women became so much easier when I just expressed some modicum of sympathy instead of suggestions for fixing problems. Men typically want actionable advice. Women not so much in my experience. I've been divorced for 16 years and am still on good terms with my ex. One source ...
by edge
Sat Jun 23, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12820

Re: When did you start flying business class?

When it was free either because of airline status (free auto upgrade) or if it was on the company dime.

If you fly enough it just sorta ‘happens’ without having to pay for it.
by edge
Sat Apr 14, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: New York State income tax bracket is not a marginal rate?
Replies: 30
Views: 2419

Re: New York State income tax bracket is not a marginal rate?

I live in NY. I don’t find the quality of life to be proportional with the tax burden. Not even close. Yes, it would be great not to have to pay the onerous taxes, but NY is the state where I started my businesses, where I have lots of friends and family, and where home is. The best financial decisi...
by edge
Sat Apr 14, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Window blinds to cut costs?
Replies: 8
Views: 1741

Re: Window blinds to cut costs?

It can help moderately but the best approach is exterior shutters or solar shades. May be difficult to integrate with your home’s architecture in an elegant way.
by edge
Tue Apr 03, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy to Consider Relocating 5 Months after Buying a House?
Replies: 28
Views: 3384

Re: Am I Crazy to Consider Relocating 5 Months after Buying a House?

No you aren’t crazy. Make sure your firm is making this worth your while.
by edge
Tue Mar 27, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2217

Re: Recurring brake rotor problem

I don't follow. Rotors are a wear item. Replace them. I've been having an issue with our 2014 Buick Enclave, where last year we had to have the brake rotors ground(?) as they were causing a grinding sensation when braking.  A year later it's doing it again. Buick says they'll fix the rotors for free...
by edge
Sat Mar 17, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 9256

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

How is this unusual?

You are clearly being played in a most usual way.
by edge
Sat Mar 10, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Disrupted Active Investing. Now It Could Save It.
Replies: 8
Views: 2409

Re: Vanguard Disrupted Active Investing. Now It Could Save It.

Are these truly active? Or are they passive? They are not index funds obviously, but I am not sure I would call them 'active'.
by edge
Mon Feb 19, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 14528

Re: Bogleheads with $100K+ MSRP cars?

I would get a Cayman GTS over the base 911 models. I don't spend anywhere near 100k/car. I guess I could if I wanted but it never seemed worth it. And too much attention. Unwanted attention.
by edge
Fri Feb 16, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 13645

Re: Did you learn anything from the market correction?

No, I didn't learn anything. But I am continually surprised by the number of people who have weak stomachs.
by edge
Tue Feb 13, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1330

Re: Increased pay versus personal and job satisfaction

Jobs that have 4x the pay rarely are the ones where you actually use all your vacation.
by edge
Sun Feb 04, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 17819

Re: Blood in the water- buying?

My stocks are still overweight (within tolerance) due to all the gains. This is a paper cut at worst. Anyone who thinks this is ‘blood in the water’ needs a gut check.
by edge
Mon Jan 29, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 7897

Re: Who taught you about financial responsibility?

My father was a big saver. His investment approach left things to be desired but his core sense of fiscal responsibility was pivotal.
by edge
Sat Jan 27, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 10681

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

Yes, it had gotten much slower with short battery life. Now it is as fast as when brand new. There are already 3rd party apps that show battery capacity. Mine was shot, 45%. Ya I’m on iPhone 6. Can’t think of a good reason to upgrade. Had the battery replaced for 29$ Did you notice any difference af...
by edge
Sat Jan 27, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 25709

Re: In what ways could BogleHeads be badly wrong ?

If somehow bonds outperform stocks over long periods of time, maybe? Or if markets fail permanently. But in this case we are all screwed.
by edge
Sat Jan 27, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 10681

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

Ya I’m on iPhone 6. Can’t think of a good reason to upgrade. Had the battery replaced for 29$
by edge
Fri Jan 19, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Is the crypto market efficient?
Replies: 23
Views: 1820

Re: Is the crypto market efficient?

Some of these currencies are too concentrated in terms of large holders to be considered efficient markets imo.
by edge
Sun Jan 14, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 8127

Re: Hot Water Delay at faucet/shower far from water heater

You can get a water circulator.
by edge
Sun Jan 14, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 5674

Re: Nostalgic about old online brokerages that no longer exist

I don’t know what this is trying to get at but TD bank, a Canadian institution, owns a large share of TD Ameritrade. Iirc 40%. I know the "TD" in TD Bank's name stands for Toronto Dominion. Does anyone know if it means the same in Ameritrade and Waterhouse? I think Toronto Dominion is origin but it ...
by edge
Sun Jan 07, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 2682

Re: any success buying a car at lease end?

List price is different than actual sales. The dealer knows more than you. Their own data, auction data, other dealership data, etc.
by edge
Sun Jan 07, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 7827

Re: Does the 3 fund portfolio seem somewhat flawed?

I don’t know what ITT is supposed to be. Try doing a thought exercise with a portfolio with two asset classes with equal yet negatively correlated returns. Anyway this forum is full of information much more technical than this thread. Use the search button. Why not both? Then we can take advantage o...
by edge
Sun Jan 07, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 7827

Re: Does the 3 fund portfolio seem somewhat flawed?

Why not both? Then we can take advantage of the rebalancing bonus (the one that hardly anybody actually understands). Ok so just have a portfolio of micro cap value. That will probably work. By optimal, I'm referring to long-term returns. More specifically, you mean emerging market micro cap value s...
by edge
Sun Jan 07, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 7827

Re: Does the 3 fund portfolio seem somewhat flawed?

Ok so just have a portfolio of micro cap value. That will probably work. What the heck is ‘optimal’ in this context? The market capitalization is what the market thinks the company is worth. Since the market determined the worth of these companies, then the market portfolio would reflect that. Seems...