Search found 801 matches

by Dude2
Wed Jul 17, 2019 5:01 am
Forum: Personal Consumer Issues
Topic: Dash Cams [want recommendations]
Replies: 22
Views: 1637

Re: Dash Cams [want recommendations]

Our Lawyer recommended getting a Dash Cam ….. Looking for suggestions on brands etc. Thank You in Advance Do realize that dash cams work both ways. They also record your driving and your behavior. And do realize that once the record is created, you are stuck with it. https://www.youtube.com/watch?v...
by Dude2
Tue Jul 16, 2019 4:46 pm
Forum: Investing - Theory, News & General
Topic: Agree? Article: Tracking the Agg? Why the Bond Index May Not Work.
Replies: 14
Views: 1798

Re: Agree? Article: Tracking the Agg? Why the Bond Index May Not Work.

All I'm saying is that this is how indexing works. Pick any index. Yes, the Agg may exclude much, but it chooses what it chooses. Inside of that are the relative weightings which are based on the market. You can criticize the index, sure, but let's not criticize indexing similarly. The first point o...
by Dude2
Mon Jul 15, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Agree? Article: Tracking the Agg? Why the Bond Index May Not Work.
Replies: 14
Views: 1798

Re: Agree? Article: Tracking the Agg? Why the Bond Index May Not Work.

The Agg is weighted toward the companies and agencies that have the most debt What they fail to see is that bonds trade on an open market in which the most desirable bonds are the ones that are bought the most. The index fund simply tracks the proportion of bonds that the market wants. On the stock...
by Dude2
Sat Jul 13, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 27
Views: 1424

Re: Standard Car Key Battery Life for Late Model Vehicles

One of my key fobs with CR2016's in them died recently on my 2016 Camry. It was the fob I did not use much. I went ahead and replaced them both. I think they tend to die when not used for some reason -- battery chemistry, I guess.
by Dude2
Sat Jul 13, 2019 5:08 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2258

Re: Best way to deposit Euros to a US Bank

Transferwise is perfectly viable for US citizens. I'm a US citizen living in New Zealand and I use them. They have a TOS document specifically for US customers: https://transferwise.com/us/terms-of-use Thanks Hawkeye. Can you explain exactly how you use this service? Your situation possibly mirrors...
by Dude2
Fri Jul 12, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2258

Re: Best way to deposit Euros to a US Bank

Thanks, LadyGeek. I see this subject as twofold. The OP has a bunch of currency he wants to exchange in the most expeditious manner, but also there is the on-going need to get money in a foreign currency back to home currency in an expeditious manner. I agree that going the gold route is not such a ...
by Dude2
Fri Jul 12, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2258

Re: Best way to deposit Euros to a US Bank

This may be off the wall, but I too struggle with trying to not get hit with currency exchange fees and other nonsense bank fees because they pay me in a currency not of my home country. I work in the middle east. One idea that I have had in the back of my mind although have not yet implemented is t...
by Dude2
Thu Jul 11, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2101

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

The guy who said to drive through Buffalo quickly and with your car doors locked either hasn't been there in the past 10 years, or has mostly been on the East Side. Stick to the West Side and you're fine. Elmwood, Allentown, Parkside, North Buffalo...it's fine. You need to keep your head on a swive...
by Dude2
Thu Jul 11, 2019 3:51 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2101

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

Niagara Falls, Ontario, Canada is a wonderful little tourist city with the falls, plenty of restaurants, a bit of gambling if interested. Have yourselves some pitchers of Molson's Canadian -- wonderful stuff, somehow not quite the same as the version we get in the US. Other than that, I'd drive thro...
by Dude2
Sun Jul 07, 2019 3:45 am
Forum: Investing - Theory, News & General
Topic: Was the great bond bull market just plain bull?
Replies: 47
Views: 5155

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

1. Bogleheads are heavily biased to believe interest rates will go back up. There’s 0 evidence anything of the sort is going to happen. If they stay low to negative for 20 years, the 50/50 crowd is going to be destroyed. 5. Being too conservative with your investing is a risk in of itself (not just...
by Dude2
Sun Jul 07, 2019 3:29 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 49
Views: 3346

Re: Time for a new car - Corolla or Civic...

^^^ Useful advice. Also, note that on the new Corollas, some models may not have a backup camera , but they do have the "beep" method of telling you that you are about to hit something. A 360 degree beep ability would be nearly as good as a 360 degree camera, I would imagine, if such a thing exists...
by Dude2
Sun Jul 07, 2019 3:24 am
Forum: Personal Investments
Topic: Under age 50 and have a stock allocation less than 50%?
Replies: 25
Views: 2557

Re: Under age 50 and have a stock allocation less than 50%?

Just note that around here, for bond-heavy portfolios, the smart people recommend TIPS because you can really get killed by inflation with bonds. Then the more bonds you have, the more you might need to be worried about that. This sentiment is in isolation from the current economic climate which mak...
by Dude2
Sun Jul 07, 2019 3:15 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 49
Views: 3346

Re: Time for a new car - Corolla or Civic...

^^^ Useful advice. Also, note that on the new Corollas, some models may not have a backup camera, but they do have the "beep" method of telling you that you are about to hit something. A 360 degree beep ability would be nearly as good as a 360 degree camera, I would imagine, if such a thing exists, ...
by Dude2
Sun Jul 07, 2019 3:11 am
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 2761

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

I once had a lawnmower that sat for the winter with old gas still in it, and then I put some old gas into it, tried to get it started. This all caused carburetor gumming-up, and it amounted to a repair costing more than having to buy a new mower -- lots of added effort just due to ignorance/laziness...
by Dude2
Sun Jul 07, 2019 2:59 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 49
Views: 3346

Re: Time for a new car - Corolla or Civic...

If I may offer some food for thought as long time owner of Corollas, Civics, and Camries...I would consider going up one level, i.e. select Camry or Accord. The smaller cars are great, but they have their issues. The one that used to drive me crazy was the CV joint boots cracking all the time. Also,...
by Dude2
Sat Jun 29, 2019 9:44 am
Forum: Personal Investments
Topic: Holding foreign currency for travel
Replies: 11
Views: 616

Re: Holding foreign currency for travel

Probably the best one can do is to transact as much as possible with a chip and PIN credit or debit card. Getting actual cash always seems to be a rip-off where somebody is going to get 4-6% for their trouble. Minimizing the use of cash would minimize the expense ratio.
by Dude2
Sun Jun 23, 2019 3:51 pm
Forum: Personal Investments
Topic: Short-term planning for excess cash
Replies: 3
Views: 550

Re: Short-term planning for excess cash

I sit on a lot of cash too because I am paranoid about developing "take this job and shove it" syndrome or losing job or medical/health issues. Also you need cash to make moves, i.e. to sell one place and buy another, down payments, getting the best rate... I don't know, just sleep better at night w...
by Dude2
Sat Jun 22, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15860

Re: what was your worst major purchase? mine is a 2019 mazda3

A friend of mine put his wife through medical school similarly, and she became an Ob Gyn. However, there was almost zero return on the investment as she decided it was all too much with the malpractice issues and working for other people, so she became a specialist in laser hair removal. I had never...
by Dude2
Sat Jun 22, 2019 12:43 am
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14496

Re: Good times: 2008 vs Now

Maybe a good indicator of if something big is going to happen is to notice when something seems weird. During the Tech Bubble and the Housing Bubble, there was something weird going on. Now, the only truly weird thing I notice is how high money markets are paying versus intermediate term bonds. Tha...
by Dude2
Thu Jun 20, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5661

Re: Tree stump, cant use a stump grinder. Solution?

If you do decide to go with the long, slow wait it out process, a guy at Home Depot recommended that I not spend $10 on a pint of tree stump remover, that I could instead buy a gigantic bag of rock salt and just keep dumping a cup on it whenever I remembered to. Yes, eventually it works.
by Dude2
Thu Jun 20, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14496

Re: Good times: 2008 vs Now

Maybe a good indicator of if something big is going to happen is to notice when something seems weird. During the Tech Bubble and the Housing Bubble, there was something weird going on. Now, the only truly weird thing I notice is how high money markets are paying versus intermediate term bonds. That...
by Dude2
Tue Jun 18, 2019 11:31 am
Forum: Personal Investments
Topic: US citizen leaving the country for UAE, then Europe - please help
Replies: 12
Views: 838

Re: US citizen leaving the country for UAE, then Europe - please help

Taxation and investing are going to have complications. There are many posts concerning that without a US address, Vanguard, etc. will dump you as a client. These are just laws, nothing personal.

Have you seen this?
https://www.bogleheads.org/wiki/Taxatio ... ing_abroad
by Dude2
Mon Jun 17, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4180

Re: Career advice — asking for the “gray hair perspective”

The situation reminds me of my friend's brother -- a lawyer at one of those personal injury firms that advertises like crazy and seems to own all the lawyering. When I asked him how his brother was doing as a partner making all those big bucks, he said that basically now everything had been dumbed d...
by Dude2
Fri Jun 14, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2686

Re: Professional work titles

A new title is cheaper than paying someone more money. Distinguished Senior Fellow is a good title. Yes to what Livesoft said. My company changed all of our titles and added a level. Almost everyone was bumped up by one automatically (so if you were a 3, you became a 4). Salaries did not change. Al...
by Dude2
Thu Jun 13, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2686

Re: Professional work titles

A few jobs ago, I held the title of Senior Engineer. The only reason I wanted the title was to sign my email as "Señora Engineer". The other engineers thought it was funny. Otherwise, no one really cared. I've lost track of the many permutations containing (Senior, Staff, Senior Staff, Technical, T...
by Dude2
Thu Jun 13, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS
Replies: 25
Views: 1731

Re: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS

I was just considering the Life Strategy Moderate Growth in tax advantaged as a greatly simplified all-in-one solution, and then Tax-Managed Balanced in taxable, while it has some issues, is a decent all-in-one solution. As a thought experiment, this is fine, but I'm not sure how you get there in t...
by Dude2
Thu Jun 13, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS
Replies: 25
Views: 1731

Re: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS

I was just considering the Life Strategy Moderate Growth in tax advantaged as a greatly simplified all-in-one solution, and then Tax-Managed Balanced in taxable, while it has some issues, is a decent all-in-one solution. As a thought experiment, this is fine, but I'm not sure how you get there in ta...
by Dude2
Thu Jun 13, 2019 8:17 am
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3315

Re: Starbucks; buy, sell, hold?

Seems to me, and no offense intended, that you decided to pick a stock and you got lucky. You selected one based on your love of the product or an idea that the business had growth potential and longevity. The problem is that your perceptions of the company may have no bearing on the stock price. It...
by Dude2
Thu Jun 13, 2019 7:53 am
Forum: Personal Investments
Topic: First Post! Portfolio Advice Please :)
Replies: 15
Views: 1145

Re: First Post! Portfolio Advice Please :)

"His" approach seems good, although "she" didn't have the option for some kind of target date fund. Her situation seems overly complicated and a bit high on the fees (but nothing to worry about). I might consolidate her holdings in the 401k into just the S&P fund (very cheap), the International fund...
by Dude2
Wed Jun 12, 2019 10:35 pm
Forum: Personal Investments
Topic: [Help me select a Three-Fund Portfolio for my retirement]
Replies: 10
Views: 701

Re: [Help me select a Three-Fund Portfolio for my retirement]

Confused about why, if rolling over the 401k to Vanguard, you are asking about Fidelity funds. I don't have to think for more than half a second to give you the answer to what the three funds would be at Vanguard. The 3 fund portfolio consists of the Total Stock Market fund, Total International Stoc...
by Dude2
Tue Jun 11, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5543

Re: Job opportunity - KSA/Bahrain

I too do not wish to come out 100% negative to this venture. Money talks. Surely there is a price. But, I'm sure many of us want to throw out some concepts just to be sure you've gotten a clearer picture. One that has probably always existed with people going to the ME is that you can live an insula...
by Dude2
Tue Jun 11, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5543

Re: Job opportunity - KSA/Bahrain

I'm not knowledgeable on much of this. I say it up front. Not a businessman, an engineer -- so somebody just pays me a higher salary to be in the ME. Very simple. Opportunities abound because there is so much money. If they pull out a billion a day in oil, then what's 15 billion on a nuclear reactor...
by Dude2
Sat Jun 08, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: The logical fallacy behind "Bonds Are For Safety"
Replies: 248
Views: 16041

Re: The logical fallacy behind "Bonds Are For Safety"

To say "Bonds are for safety" isn't the same as saying that all bonds are created equally. The wiki entry helps steer a person in a particular direction. Is there a motion on the table to amend this in some way?
by Dude2
Fri May 24, 2019 3:18 am
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14897

Re: just a general comment about "too conservative" investors here

If you are driving 25 on the highway, and someone tells you that you are not going fast enough, replying that going 120 mph isn't safe is true. But is also doesn't change the fact that you aren't driving fast enough to be safe. Just because 120 mph is dangerous doesn't mean that going 25 mph is bet...
by Dude2
Sat Apr 06, 2019 3:06 am
Forum: Forum Issues and Administration
Topic: Evolution of the Bogleheads
Replies: 7
Views: 1136

Re: Evolution of the Bogleheads

FYI. Prior to this forum, many of these same folks posted on the Morningstar Vanguard Diehards forum. (If you really wanted to go old school)...We had to pay $5 to join that one. http://socialize.morningstar.com/NewSocialize/forums/t/27115.aspx Taylor circa 2000: The Diehard Forum started March 19, ...
by Dude2
Sat Apr 06, 2019 1:59 am
Forum: Personal Investments
Topic: TIPS Funds Dividend.
Replies: 8
Views: 1348

Re: TIPS Funds Dividend.

Interesting that it's been more than a week and a half since March 26 and a couple of weeks since March 19, and I'm still not seeing anything for the March dividend. Maybe this was a quarter where it all just got absorbed into nothing like has happened in the past?
by Dude2
Tue Jan 22, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10265

Re: Who's flying?

Flew out of Atlanta Monday to Amsterdam. Absolutely no issues. I hope by the time I come back through the crisis will have been resolved. Thanks all for the time and thoughtful replies.
by Dude2
Sat Jan 19, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10265

Re: Who's flying?

I haven't flown since the current debacle started, but friends have told me no issues, apologies to those that had problems in Atlanta. I believe most of the media is just over-hyping any bad news they can for their ratings. With regard to the overall picture, you could be right. With regard to Atl...
by Dude2
Thu Jan 17, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9134

Re: Getting a Mortgage when You can Pay Cash for a House

Maybe I'm crazy, but I view the interest you have to pay on a loan as a penalty for not having the cash to buy the item. It doesn't occur to me to use the loan as a clever way to make a few bucks. I could see that governments and large corporations with plenty of moving parts and complicated relatio...
by Dude2
Thu Jan 17, 2019 8:04 am
Forum: Personal Investments
Topic: Emergency funds in CD's
Replies: 11
Views: 1253

Re: Emergency funds in CD's

I will respond with the obligatory, "Have you seen this?" post. Placing cash needs in a tax-advantaged account Just so that you can ponder if you like that or not. I agree that putting aside that amount of money in a MM can give one pause. Myself, I use a 7 year ladder at my credit union, so I'm at ...
by Dude2
Mon Jan 14, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9134

Re: Getting a Mortgage when You can Pay Cash for a House

Just to put a number on it, last 30 years S&P 500 had a return of about 1500%. 300k$ invested in 1988 would have been 4.5 million today. So prepaying mortgage was pretty much the largest destroyer of wealth. Conclusion: borrow as much money as possible, and invest it in the S&P500. Any other course...
by Dude2
Mon Jan 14, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9134

Re: Getting a Mortgage when You can Pay Cash for a House

Just to put a number on it, last 30 years S&P 500 had a return of about 1500%. 300k$ invested in 1988 would have been 4.5 million today. So prepaying mortgage was pretty much the largest destroyer of wealth. Conclusion: borrow as much money as possible, and invest it in the S&P500. Any other course...
by Dude2
Mon Jan 14, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. economy could slip from top spot in 2020 and keep slipping
Replies: 25
Views: 1979

Re: U.S. economy could slip from top spot in 2020 and keep slipping

Vulcan wrote:
Mon Jan 14, 2019 11:54 am
The Vanguard Total World Stock Index Fund should have Admiral shares this Friday.
I'm Googling, but not finding that anywhere.
by Dude2
Sun Jan 13, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10265

Re: Who's flying?

Rate of TSA Sickouts Rises The Transportation Security Administration plans to begin closing a handful of security checkpoints at airports around the U.S. this weekend in response to staff shortages as effects of the three-week partial federal government shutdown begin to expand. TSA employees call...
by Dude2
Sat Jan 12, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 236
Views: 41261

Re: What to do when a parent's money runs out?

One thing I will say is that I look at it that $1200/mo SS plus $1000 from you on top -- that is what I estimate as the bare minimum a person could survive on. (I'm talking without any other monthly bills due to debt.) That's $26,400 a year. I doubt there are folks on this forum that are able to li...
by Dude2
Fri Jan 11, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9134

Re: Getting a Mortgage when You can Pay Cash for a House

Put down a large down payment and the rest in a mortgage. It is not an all or nothing decision. Yes, I just bought a house last month, and this was my play. Coincidently the house I bought was around 300k. I put 100k down, just because it was a nice, round number. I've since paid down the principle...
by Dude2
Fri Jan 11, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10265

Re: Who's flying?

Thanks folks. Media hype had me concerned. You have soothed my spirit.
by Dude2
Fri Jan 11, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9134

Re: Getting a Mortgage when You can Pay Cash for a House

Put down a large down payment and the rest in a mortgage. It is not an all or nothing decision. Yes, I just bought a house last month, and this was my play. Coincidently the house I bought was around 300k. I put 100k down, just because it was a nice, round number. I've since paid down the principle...