Search found 663 matches

by Dude2
Sat May 26, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 2932

Re: any disadvantages to using Delta Skymiles for fare?

Generally, the time for using your miles is when your status is high. Getting upgraded to first/business class due to status on a free ticket cannot be beat. I have had this happen often with Delta. Also, they do not seem to treat you like a pleb even if your ticket is free. The trouble is that gett...
by Dude2
Wed Mar 21, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2755

Buy individual stock to maintain my honor?

I would be interested in your opinions or comments about the following situation. Recently I was hired by a company I used to work for and given a $10,000 signing bonus. The fine print told me that if I left the job before two years, I’d have to pay it back. Well, although I had worked for this comp...
by Dude2
Sun Jan 07, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2128

Re: How to browse specifically for homes with "mother-in-law suite"?

How about searching for "Lennar NextGen?" While I really like the layout of these houses (thanks), I do not see how they fit with a MIL suite at all. It locates the guest bedrooms away from the master and seems to keep shared amenities centralized. Anyone that has a family of any kind would benefit...
by Dude2
Thu Nov 16, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to fund-of-funds - any regrets/downsides?
Replies: 9
Views: 1353

Re: Moving to fund-of-funds - any regrets/downsides?

I use LifeStrategy Moderate Growth. I have a 50/50 allocation, so I also have the TIPS fund. That's my 2-fund portfolio. I send the dividends from the fund of funds to the TIPS fund. I agree with your line of reasoning. The enemy of a good plan is a perfect plan. It's better to select something you ...
by Dude2
Sat Nov 11, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7857

Re: Swedish Death Cleaning

Yes, this describes me to a T. A few years ago I decided to become much more non-materialistic and drastically reduced the things I own. Along the lines of worrying about what others would have to deal with if I "went", I organized my stuff. Of course, wills and Pay On Death considerations everybody...
by Dude2
Sun Nov 05, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2578

Re: Lets talk emergency funds and I-bonds

I held I Bonds at TreasuryDirect for years and considered it my tax-deferred emergency fund, but after this thread I had to re-evaluate. TreasuryDirect - death of account holder The hassles dealing with TreasuryDirect I already considered to be a challenge, but learning about how bad it could possib...
by Dude2
Wed Oct 25, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 3351

Re: Package addresssed to my address, someone else's name, on house I am selling

Silk McCue wrote:
Wed Oct 25, 2017 4:40 pm
westrichj312 wrote:
Wed Oct 25, 2017 3:33 pm
I would open it up and keep it as it might have some value. finders keepers.
Not funny. If not intended to be funny then you have issues that need to be fixed.
I thought it was hilarious.
by Dude2
Sun Oct 15, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2881

Re: Calculating max electrical load of your home

The question confuses me. The service you buy from the electric company is the service delivered to the home, i.e. 100A or 200A, regardless of the sub-circuits in the home. This is the limit to the amount of amps your home can draw. There's a general rule that says you don't want to run more than 75...
by Dude2
Sun Oct 15, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6813

Re: Is Florida Over, 2017

isnt inland (orlando) much safer from hurricanes? Not really. Orlando's been hit pretty hard. People in California have managed to deal with the earthquake situation. I think our building codes are similarly effective at hurricanes. Personally, I have never been affected or known anyone that was af...
by Dude2
Sun Oct 15, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6813

Re: Is Florida Over, 2017

FL native here. I don't even understand the question. Are we talking about hurricanes? I've lived through dozens of hurricanes. Please understand that there are differences in perspectives depending on where you live and what you are used to. For example, if I were in the middle of those fires in Ca...
by Dude2
Sun Oct 15, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 9313

Re: What are you driving? And would you buy your current ride again?

I drive the most popular car in America -- the Toyota Camry. Yes, I would buy it again. No complaints. Decent comfort, power, gas mileage, visibility -- all for a very reasonable price. Besides changing the oil and air filter, rotating the tires, practically zero maintenance costs. However, I really...
by Dude2
Sun Oct 01, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 3292

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

Have you seen this HBO documentary on Warren Buffett?

Before you lend credence to his words, you might want to see who it is that is giving this advice. It was a game-changer for me.
by Dude2
Sun Oct 01, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3586

Re: Reach out to hiring manager directly on LinkedIn?

I don't understand what the purpose of LinkedIn is if not this.
by Dude2
Sun Oct 01, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 3342

Re: High yield muni

^^^ Sorry Nicolas, you beat me to it. Yep, missed that. Glad somebody is making sure all the facts come out. Bottom line is that the fund could be good for some people, but, once we start bringing tax issues into it, the conversation starts to diverge from the general case that the OP presented.
by Dude2
Sun Oct 01, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 1352

Re: Question on Bond Portion of AA

What about half stable value and half to a fund that is mapped to the Aggregate Bond Index? Best of both worlds.
by Dude2
Sun Oct 01, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 3342

Re: High yield muni

Since nobody said anything, VWAHX currently shows 16.6% AMT exposure, and it looks to be the only Vanguard muni fund with that exposure. FYI. If you're a muni investor, that implies a high tax rate, and therefore you typically do not want AMT exposure. I'm sure there's a sweet spot for this fund whe...
by Dude2
Sun Oct 01, 2017 4:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 11844

Re: Bogleheads you would most like to meet and why?

Valuethinker wrote:
Sun Oct 01, 2017 3:22 am
Many of us are probably more boring in real life than we seem here.

;-)
Thanks for being you. 8-)
by Dude2
Sun Oct 01, 2017 4:09 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9507

Re: What will happen if I refuse to pay a medical bill?

I'm just not comfortable with the ethics (yet). It's pretty much legally cheating to me. However, increasingly I think the medical system is legally cheating us, and so, to me, the ethics are getting blurrier. Clearly this is not as simple a scenario as "services are rendered, pay for services." Th...
by Dude2
Sat Sep 30, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 2253

Re: Bed Pillows

Esther wrote:
Sat Sep 30, 2017 7:52 am
They go flat.
Wash down pillows in washing machine (assuming the tag say you can), and then dry them in the dryer on low/delicate heat with a tennis ball in the dryer. It takes a long time to dry, and is quite noisy. I find it rejuvenates the pillows successfully.
by Dude2
Sat Sep 30, 2017 4:52 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9507

Re: What will happen if I refuse to pay a medical bill?

First off, these statements that the doctor's office will turn this over to collections if you do not pay are far from certain. This is especially true if you work with them and explain the situation. They have the ability to drop it and consider it a "one off". Then you have the ability to not go d...
by Dude2
Thu Sep 28, 2017 5:51 am
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 5529

Re: Which bogleheads have a "high need to take risk"?

I find this to be a very interesting question to ask, but I'm not sure the answers are going to give us useful data about high stock investors need and willingness to take risk. The risk is invisible to them because they have been compensated by stocks versus other investments. That means there is n...
by Dude2
Sun Sep 24, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead of another species
Replies: 9
Views: 1748

Re: Boglehead of another species

Treats are a consumption item, not an investment, and have no part in a dog's asset allocation.
by Dude2
Fri Sep 22, 2017 8:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 11844

Re: Bogleheads you would most like to meet and why?

I say Nisiprius because of his talents in getting to the crux of a matter without needing to step on anybody's toes. Picture a bunch of students working together to try to solve a problem. Left to their own devices, they hem and haw, agree and disagree, and can often come up with the wrong approach ...
by Dude2
Thu Sep 21, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth/Traditional vs Paying off debt
Replies: 19
Views: 1259

Re: Investing in Roth/Traditional vs Paying off debt

Should I use my pre-tax contributions of 18K (or the amount after my company matches) to pay off the debts as well? Maybe. How-Much-Does-My-401-k-Plan-Save-Me-In-Taxes- When you do the math, you discover that the two most important tax benefits for retirement savings are the non-taxation of trust e...
by Dude2
Wed Sep 20, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 4356

Re: AA if you were just starting out again

Hard knocks is what it took for me. If I had it to do over, I'd probably stick with the traditional balanced fund 60/40 approach and just try to save.
by Dude2
Wed Sep 20, 2017 6:29 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 2638

Re: Why so many 'negative' responses?

Jeez, two examples in a row right above here.
by Dude2
Tue Sep 19, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 29354

Re: Calling out the not so rich bogleheads

It has also been stated that there are many engineers/IT/Software people on the forum (which makes sense given that being on the Internet is probably a higher priority in our lives). I don't think that our job category is associated with wealthy. We do alright - some better than others. A defining c...
by Dude2
Sun Sep 17, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: After Irma in need of............
Replies: 25
Views: 2666

Re: After Irma in need of............

Rechargeable battery storage indicates that one must try to keep their rechargeable batteries in a state from between 30-70% charged to ensure their life and usefulness. Using a hand crank/solar device sounds wonderful in theory, but it relies on the rechargeable battery inside being viable. If you...
by Dude2
Wed Sep 13, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15822

Re: Florida Hurricanes: When and where to go?

Just got power back. Boy, that sucked. We got teased at first. Power came back on for 4 hours. Then, I guess, several transformers blew, and it took another three days.
by Dude2
Sun Sep 10, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15822

Re: Florida Hurricanes: When and where to go?

I appreciate the suggestions. It looks like it makes sense to sit tight until 2 days out and then either drive/fly away. Can anyone comment on traffic conditions to Orlando 48 hours before a hurricane is projected to make landfall? Every single hurricane is different, so I would never go by what pe...
by Dude2
Sun Sep 10, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Recent Hurricanes Provide Good Lesson For Investors
Replies: 30
Views: 5358

Re: Recent Hurricanes Provide Good Lesson For Investors

There was a recent post looking for Livesoft which talked about three "500 year" floods that had occurred in the Houston area. Rather than become alarmist and start considering it the "end of times", I think we are better served in examining whether the data is itself valid (are themselves valid?)....
by Dude2
Sun Sep 10, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Recent Hurricanes Provide Good Lesson For Investors
Replies: 30
Views: 5358

Re: Recent Hurricanes Provide Good Lesson For Investors

There was a recent post looking for Livesoft which talked about three "500 year" floods that had occurred in the Houston area. Rather than become alarmist and start considering it the "end of times", I think we are better served in examining whether the data is itself valid (are themselves valid?). ...
by Dude2
Sat Sep 09, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 8555

Re: Luxury car: perception vs reality

visualguy wrote:
Sat Sep 09, 2017 10:47 am
Go test drive a Porsche Cayman/Boxster or a BMW M car or a Mercedes S Class, and you'll easily understand...
Are you kidding? I wouldn't make it out of the dealership alive (without having bought a car)! Just take this one hit of crack. :P :twisted:
by Dude2
Sat Sep 09, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 8555

Re: Luxury car: perception vs reality

msk wrote:
Sat Sep 09, 2017 10:19 am
LIVE! No guilt feelings.
But what is it about the car that is so great? Is it the horsepower or the feeling of having a superior vehicle?
Is this something that can't be articulated and must be felt/experienced?
by Dude2
Sat Sep 09, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: DVDs and Longterm Storage
Replies: 7
Views: 758

Re: DVDs and Longterm Storage

There are posts like this if you search. Personally, I ripped mine to hard drive long ago (although probably a technical violation of copyright). Other services allow you to register the movies you own, and then you are able to stream them from the service. Fees apply. Also who knows how long they w...
by Dude2
Sat Sep 09, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 8555

Re: Luxury car: perception vs reality

Based on the thread title, I was hoping for more of a discussion on luxury cars being worth the money/effort. Only one post has addressed that aspect. As others have said, an average Toyota Camry is pretty nice. What more do luxury cars offer? -- better traction/stability, i.e. hold the road better,...
by Dude2
Fri Sep 08, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15822

Re: Florida Hurricanes: When and where to go?

A Cat 5 is not like the storms you describe . It is foolhardy to ride this out unless you are a moron ,ignoring all the advice given by state and local governments . Florida ha not encountered a storm like this in modern history . Don't Panic! One of the reasons that we don't get hit with Cat 5's i...
by Dude2
Fri Sep 01, 2017 6:02 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 21977

Re: [Are the Bogleheads] getting less interesting?

In the old days back over on the old Morningstar forum, there was much less moderation and so you'd get the occasional bar fight that would add interest; I mean, I probably threw a few jabs that in retrospect I am less than proud of, so I have come to appreciate the well moderated forum that Bogleh...
by Dude2
Thu Aug 31, 2017 4:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 21977

Re: Is Bogelheads getting less interesting?

Stocks aren't in free fall everyday.
by Dude2
Wed Aug 30, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1896

Re: Hulu w/ Live TV

Some of these options require the hardware, right? I'm assuming that to get Playstation Vue that you have to own a Playstation. Correct? What's that set you back these days?
by Dude2
Wed Aug 30, 2017 5:15 am
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1896

Re: Hulu w/ Live TV

Cord cutter here. Yes, I recently had to join You Tube TV to get access to the US Open (tennis), but I will be quitting when it's done. I'm not impressed either with the user interface to be able to find things to watch or with the DVR (there's nothing to help you there, i.e. "Would you like to reco...
by Dude2
Tue Aug 29, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quitclaim deed for land
Replies: 13
Views: 1287

Re: Quitclaim deed for land

I really don't understand why people do quit claim deeds for intra-family deeds. Probably people are just opting for simplicity and lower cost. They assume that the rigmarole involved in an official closing is unnecessary because why would there be any issues on property that has been in the family...
by Dude2
Tue Aug 29, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Company 401k is incorrectly dealing with over 50 catch up contribution
Replies: 35
Views: 3532

Re: Company 401k is incorrectly dealing with over 50 catch up contribution

Just take a breath. It can't be that big a deal in the grand scheme of things. People on this forum have advised me that we who are even allowed to contribute (at all) after tax are in the minority. We should be happy we have what we have. The wheels turn slowly. You've done your job to report it to...
by Dude2
Mon Aug 28, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 33591

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
Sun Aug 27, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 5196

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

"Best" is a loaded term, but risk is usually measured in standard deviation. Downside risk is usually measured with maximum drawdown (percentage drop from peak to trough). Over the last 45 years, SCV has had both a higher standard deviation than TSM, along with a higher max. drawdown. Thank you for...
by Dude2
Sun Aug 27, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1557

Re: Advantages/disadvantages of using roth for nonretirement

Thank you. I do apologize for misinformation. This situation did happen to me though. I withdrew contributions at one point, filed my taxes as normal, thinking I had done nothing wrong, and subsequently the IRS sent me a letter. Perhaps what is missing is some kind of communication from the custodi...
by Dude2
Sun Aug 27, 2017 4:59 am
Forum: Investing - Help with Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1557

Re: Advantages/disadvantages of using roth for nonretirement

You can only ever take out "contributions" from the Roth in the future without penalty, i.e. you have contributed $17,000, then you can remove $17,000. One doesn't typically report their Roth contributions to the IRS. If you use TurboTax, for example, it may ask you about contributions, but it will...
by Dude2
Sat Aug 26, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 33591

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

Isn't this the new reality? Don't we see all the articles about baby boomers retiring with nothing? Just like 30 year olds, 40 year olds, and 50 year olds, baby boomers have a wide variety of financial circumstances. No matter what age, people's finances reflect their education, frugality, luck, pl...