Search found 1703 matches

by wrongfunds
Tue Aug 07, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Those who retired and moved to another country, where did you go?
Replies: 12
Views: 3110

Re: Those who retired and moved to another country, where did you go?

I want to look at far western Panama where Puerto Armuelles has inexpensive Pacific beach properties, or the other side of the 11,000 foot volcano from Boquete (at 4500' elevation) where latitude and altitude combine to 70s temperatures, year 'round. It's the tropics, so the two seasons are wet and...
by wrongfunds
Fri Aug 03, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52444

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I am little bit surprised by the rampant speculation and conspiracy theories being spouted and allow to continue. I thought forum guidelines took very dim view of such postings.
by wrongfunds
Fri Aug 03, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6720

Re: DW job in dangerous area

Are you implying that it will be *my fault* if this topic gets closed down?
by wrongfunds
Fri Aug 03, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6720

Re: DW job in dangerous area

I would have never thought that gun discussion would be allowed in BH forum. May be it does not fall under politics?

I mean "carry a gun" advice to school teacher teaching grade school children can only be topped by "Drive a tank with turret mounted gun" to make the commute safe :-)
by wrongfunds
Thu Aug 02, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5231

Re: ACT test - got 34, try for 36?

On a personal note, my oldest is going into college this fall. He got a 36 (similar performance on SAT). I doubt his score was anymore helpful than a 34. In fact, his dream school was MIT. He did not get in. A friend of his got into MIT with a 32 or 33. While she was (per tests) a lower performer, ...
by wrongfunds
Thu Aug 02, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 3963

Re: WiFi router

Do Orbi or Tenda need email address (and cloud connection) for the router to work? I want my routers to NEVER contact anybody outside on its own. I do NOT want it to "auto-update" itself. If I go through all the trouble to set it up and get it to work, I want it to stay working for years, say like, ...
by wrongfunds
Thu Aug 02, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Phone Rental for South America?
Replies: 15
Views: 691

Re: Phone Rental for South America?

By the way, expect *hassles* when purchasing local Sim card in Peru. Many shops turned us down when we wanted to purchase local Sim in downtown Cusco. Fortunately, one of the big Movistar store was not too busy and the person there was very helpful. The amount of paper work they had to do for $1.50 ...
by wrongfunds
Wed Aug 01, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 3963

Re: WiFi router

you'd be better off just placing a couple wireless access points around the house with Ethernet backhual... but that takes work. I have tried that approach but making it seamless i.e. using the same SSID/pwd gets me in to some weird behavior on the clients. If I have the SSID named differently, the...
by wrongfunds
Tue Jul 31, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 36071

Re: Worth it to get 300 Mbps internet?

I bet I can still recognize 1200 baud acoustics modem tone in my sleep :-) Having been forced to use dial-up modem for many years before we got cable modem service at our house, the question "do I need 300 Mbps internet" is inconceivable.
by wrongfunds
Mon Jul 30, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9248

Re: Toughest Purchase of my Life. Engagement Ring time

This topic will continue even after OP celebrates his 25th wedding anniversary! Well, we can all hope, can't we? :-)
by wrongfunds
Thu Jul 26, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10732

Re: Facebook stock in freefall! (20% drop in 1-day)

I thought we had this discussion few months ago?
by wrongfunds
Wed Jul 25, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7807

Re: Son Hurt at Summer Camp

What a coincidence! A co-worker told this story yesterday. They were on a vacation in a foreign country and their son fell down and cut himself badly and was bleeding profusely. The parents did not have any first kit on them. Somebody stopped and said "I can help you" in perfectly good American Engl...
by wrongfunds
Wed Jul 25, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6760

Re: Daughter wants to travel on her own to Montreal

Come on guys, look at OP's screen name; what kind of hint does it give you? Statistically speaking, his assumption about his daughter not doing drinks or drugs will be correct solely based upon the family demographics.
by wrongfunds
Wed Jul 25, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3233

Re: Hearing aids

veggivet wrote:
Wed Jul 25, 2018 7:08 am
Can HSA funds be used to pay for hearing aids?
Absolutely! As a matter of fact, when I got refund from the provider (as I said in my previous reply), I was able to put that money back in to HSA with some paperwork. I do NOT know if Costco is allowed under HSA but the audiologist shops are.
by wrongfunds
Mon Jul 23, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7709

Re: Engineers come in.

Some of the replies are *funny*. "Just become supervisor or manager and then you will never have to use the Calculus at your job!" I will go one step further. I know of NO CEO who ever needed to use her degree to do her job. Not a single thing that will be learnt in the M.E undergraduate degree is n...
by wrongfunds
Sat Jul 21, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3233

Re: Hearing aids

Depending upon your insurance and your already met deductible, you might be able to get it cheaper from professional audiologist associated with medical facility. The quote given to me was more than Costco by audiologist but I went with her. Later i got refund check from the insurance company bringi...
by wrongfunds
Fri Jul 20, 2018 11:08 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 17
Views: 3081

Re: Are my posts missing or being deleted?

I sure hope something like this just happened to me. I spent almost an hour creating a new topic and now there is no trace of it at all. I think I definitely posted it and it must have been summarily executed by a forum moderator but may be I made a mistake and it never got posted.
by wrongfunds
Fri Jul 20, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Financial transparency
Replies: 19
Views: 932

Re: Financial transparency

How many more replies this topic will generate before it gets locked? I am guessing 13 more. How about you?
by wrongfunds
Thu Jul 19, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17025

Re: Salary vs. Lifestyle

software wrote:
Thu Jul 19, 2018 7:39 am
Nice humblebrag, very subtle.
You must have missed reference to $780K income or may be *you* are the one humblebraging by implying $780K to be run of the mill income. Which one is it? :sharebeer
by wrongfunds
Thu Jul 19, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15685

Re: New book based on Millionaire Next Door

HongKonger wrote:
Tue Jul 17, 2018 7:41 am
Ha ha - I guess that's the US version of the UK's "Fur coat and no knickers"
Can you say that in a mixed company? Can you say that on BH? What a great fantasy :-)
by wrongfunds
Wed Jul 18, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7171

Re: Anyone not have a Budget?

I am amused by this thread. Anybody who earns $900K per year and lives on $100K per year really needs a budget? Extra points for guessing who am I talking about!
by wrongfunds
Tue Jul 17, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 14993

Re: Why is leveraging property good but leveraging stocks bad?

Trivial (but correct) Answer to the original question.

If you could get 30 year fixed low interest loan (possibly subsidized by tax payers) to purchase Google/Apple stock from your local (or commercial banker), just go for it!
by wrongfunds
Tue Jul 17, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 2250

Re: Heart Rate Monitors Fitbit vs. Garmin

My son gave us pair of Garmin Vivosmart HR (without GPS). Apart from occasional bluetooth re-setup, we had no real issues with it. Garmin connect app is quite good on iPhone. For the price paid, the gadget is exceptional. The device was released quite a few years ago. One would think it would be com...
by wrongfunds
Mon Jul 16, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Tax Hump vs. Tax Torpedo
Replies: 21
Views: 2451

Re: Social Security Tax Hump vs. Tax Torpedo

I wonder if people would prefer if SS payments were taxed 100% like any other taxable income to begin with! If that were the case, there would be no tax hump or no tax torpedo. It is a case of looking if the glass is half full or half empty.
by wrongfunds
Mon Jul 16, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 49
Views: 3556

Re: Duration of Sequence of Return risk for long retirements

If I am not mistaken, even if you could indeed do that analysis, almost each and every variable which plays any role in it will only have a probabilistic value with a incredibly large range in its variation. Frankly, I am sure "the nerd in you" already knows that but something else inside you is lon...
by wrongfunds
Mon Jul 16, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3924

Re: Did I get ripoff by this car mechanic?

"Is Pope catholic?"

If you have to ask the question, then you already know the answer! But it is all water under the bridge now.
by wrongfunds
Fri Jul 13, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1239

Re: Buying Used Honda/Toyota -- How old is too old?

It if is is not at least 8-10 year old with 100K+ miles , there is no financial reason in buying an old Honda/Toyota. The numbers will never work out for year or two old Honda/Toyota.
by wrongfunds
Thu Jul 12, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2812

Re: How to plan for health insurance at a young age?

Isn't the real answer to OP's question is "NO YOU CAN NOT!" but that would be too easy. Unfortunately that IS THE answer even if OP or the rest of you don't like it. It is also given that there can be NO discussion about OP's question without invoking politics of future healthcare. We can beat aroun...
by wrongfunds
Wed Jul 11, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15695

Re: Retirement Destination - are you happy with your choice?

Trading MetroWest Boston house for a similar one in San Diego? Where does the line form?
by wrongfunds
Wed Jul 11, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 6120

Re: Any Dry Powder Strategies?

David Jay wrote:
Mon Jul 09, 2018 1:38 pm
TheTimeLord wrote:
Mon Jul 09, 2018 8:35 am
Nearing retirement...
We’re waiting for you on the 2019 Roll call thread. :D
Based upon TTL's previous posting history, I am betting 2025 Roll call thread would be more appropriate :-)
by wrongfunds
Wed Jul 11, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 13869

Re: Why not go 100% stocks?

You have $800K worth of "dry powder" every year to invest when markets go down. Do you think you need even more than that? The real answer is "it does NOT matter" what you do as long as your income and expenses do not diverge in the wrong direction over the coming decades. And about "saving for the ...
by wrongfunds
Wed Jul 11, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15695

Re: Retirement Destination - are you happy with your choice?

I've been wanting to move to the eastern US for a long time. I find it beautiful, woodsy, full of history, and so much more interesting than the west. If you ever look at Google Maps, the east is covered in green and the western US is brown. Living in So Cal, I've always felt my local destinations ...
by wrongfunds
Wed Jul 11, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Five years to retirement (article)
Replies: 12
Views: 1924

Re: Five years to retirement (article)

I schemed it and it is NOT a bad article. Surprisingly, most of the assumed numbers are more in the BH domain than what I would term as an "average" retiree. That came as a total shock.
by wrongfunds
Thu Jun 21, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 3014

Re: Buy new truck before retiring?

Unless OP is financing and need to take the loan before retiring to show the income stream to the bank, what difference does it make whether he buys truck before or after the retirement? Why is that even a factor? Rest of all the analysis seems to be completely irrelevant.
by wrongfunds
Thu Jun 21, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8516

Re: how to make friends in new location?

I know we are not allowed to use this forum for dating advice but astute reader should be able to see that all the advice given on this topic is fully applicable in case you have had those ulterior motives :-)
by wrongfunds
Thu Jun 21, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 3014

Re: Buy new truck before retiring?

I am hooked on this math puzzle! Only one of you is right and it looks like I need a bigger napkin to find out who is right!
by wrongfunds
Wed Jun 20, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6448

Re: General Electric booted from Dow Jones Industrial Average

Kodak got booted out of DJIA in 2004 and since it has thrived tremendously. I see no reason why GE will not be able to follow Kodak path to become another wildly successful company. You guys are absolutely right that GE does not need to be part of antiquated DJIA club. Do I really need to put any sp...
by wrongfunds
Wed Jun 20, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4525

Re: Tracking spending before retirement useful for estimating retirement expenses?

I am all about spending what you saved in retirement but I can't see ever caring I under spend a budget as long as I enjoyed what I had spent and hadn't denied myself anything. But the internal cost vs benefit analysis that goes on in one's mind will be different if you are at budget vs significant...
by wrongfunds
Wed Jun 20, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6448

Re: General Electric booted from Dow Jones Industrial Average

The Wizard wrote:
Tue Jun 19, 2018 5:04 pm
At some point, GE could be removed from the S&P 500 if it's still a separate entity by then.
That will be impressive...
At some later point, GE as a brand will be purchased by a Chinese (or Indian) conglomerate and circle of life will be then be complete.
by wrongfunds
Wed Jun 20, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 14077

Re: Oh my! Cardone says we need $10m net worth

After reading WandringDOC, I think 10MM is just not enough. I think I need $100MM to feel financially secure.
by wrongfunds
Wed Jun 20, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17824

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

Oh, I was supposed to look at your posting day aka "Saturday"? OK, I missed that! But the proper response would have been "Touche, you got me there!" and certainly not bringing jerkdom on him for pointing out that you had made a wrong assertion. And your assertion was called out. The sole reason for...
by wrongfunds
Wed Jun 20, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 3394

Re: Is technology the reason for low inflation?

Couple more in the list, Tony Seba and Ray Kurzweil (please check the spelling) other futurist who envision a different (and better) tomorrow than today.
by wrongfunds
Wed Jun 20, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 3394

Re: Is technology the reason for low inflation?

mptfan, I wonder if you follow Peter Diamndis, founder of Singular University and his "abundance" philosophy. He is very interesting speaker and author. His 6-D theory speculates that technology makes previously scares things abundant and he gives lots of examples, starting with the most precious me...
by wrongfunds
Wed Jun 20, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17824

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

I'm surprised by how many people are retired and still posting here. I know that I'm only on the forums when I'm at work, and never on the weekends or vacation. My retirement date will likely be the last time I'm ever here. never say never https://www.bogleheads.org/forum/viewtopic.php?f=2&t=231435...
by wrongfunds
Wed Jun 20, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 6692

Re: dryer vent cleaning--your thoughts?

I blow it clean from the inside, using a leaf blower. Me too. After 3 years of use, I thought it would be dirty. Nope. Pretty clean still This is exactly what I had to after I was having problem even after cleaning the complete innards of the dryer itself. Our laundry is also on the second floor an...
by wrongfunds
Wed Jun 20, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106406

Re: To take or not to take delivery of Tesla 3

DanMahowny and matjen have so much time on their hands to comment on posts that are never an answer to the topic "To take or not to take delivery of Tesla 3" How else are they going to cover their short position on Tesla? What other reason do you think do they have for dropping their nuggets in thi...
by wrongfunds
Tue Jun 19, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 103
Views: 10886

Re: Very confused with the current market

1990-2000-2008 all most every ten years You're depending on a twenty-year time period to extrapolate a general law. Take a look at this graph from macrotrends.net. It shows the history of the S&P 500 back to 1927. It's pretty obvious that there is no ten-year cycle (or any other regular pattern) in...
by wrongfunds
Tue Jun 19, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 49
Views: 5074

Re: Larry Swedroe: What If Your Plan Fails?

Bogleheads....reviving this thread. I reread the article from Larry, and then I took a look at Estrada's paper. And I thought about RAS and D-RAS. Pretty nifty metric, particularly D-RAS. I really would like to see a more in-depth examination of D-RAS. In the paper (pretty dense on math), Estrada a...
by wrongfunds
Sun Jun 17, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17051

Re: Should I take possession of a certified mail?

buccimane wrote:
Thu Jun 14, 2018 2:47 pm
wrongfunds wrote:
Thu Jun 14, 2018 1:15 pm
I am ready to bet that we do NOT hear back from the OP at all.
54 posts since 2013; meaning this is clearly somewhat important to OP. I am ready to wager with you :moneybag
OK; is there a deadline after which you will agree that he is not coming back?