Search found 1100 matches

by Silence Dogood
Thu Nov 14, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 32
Views: 4057

Re: Can you guess what this ranked list of colleges is?

I have a hard time believing that anybody in this day-and-age who didn't grow up in the socioeconomic elite (or is in a different situation, like a senior or SAHP doing it for fun) honestly pursued a college degree for the "experience" or "education" and not to improve career/income prospects.They ...
by Silence Dogood
Thu Nov 14, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 32
Views: 4057

Re: Can you guess what this ranked list of colleges is?

I have a hard time believing that anybody in this day-and-age who didn't grow up in the socioeconomic elite (or is in a different situation, like a senior or SAHP doing it for fun) honestly pursued a college degree for the "experience" or "education" and not to improve career/income prospects.They ...
by Silence Dogood
Thu Nov 14, 2019 6:23 pm
Forum: Investing - Theory, News & General
Topic: Eric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.
Replies: 17
Views: 1456

Re: Eric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.

Most telling comment was Mr Balchunas suggesting why advisors dislike all-in-one ETFs. They earn their fee by decrying active stock picking but then go to town on the "factor soup". Yes, I also thought that was interesting. I think "career preservation" is a common motivation for people in many ind...
by Silence Dogood
Tue Nov 12, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1476

Re: Roku - is the Express sufficient?

I have a Roku TCL TV.

I have no complaints. I particularly like how it works with my TV antenna.
by Silence Dogood
Sat Nov 09, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4674

Re: How bad business travel is?

BogleMelon wrote:
Sat Nov 09, 2019 10:11 am
Silence Dogood wrote:
Sat Nov 09, 2019 10:08 am
BogleMelon wrote:
Fri Nov 08, 2019 2:50 pm
One problem is, it involves 10% traveling time within the U.S. (Mostly will be in a location that is 90 minutes flight time from home)
Would it be possible to travel by train?
Not sure. Would it be better?
It depends both on your personal preferences and the rail service available.
by Silence Dogood
Sat Nov 09, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4674

Re: How bad business travel is?

BogleMelon wrote:
Fri Nov 08, 2019 2:50 pm
One problem is, it involves 10% traveling time within the U.S. (Mostly will be in a location that is 90 minutes flight time from home)
Would it be possible to travel by train?
by Silence Dogood
Sat Nov 09, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 241
Views: 28699

Re: Man’s life savings stolen from hijacked cellphone number

New article in the Wall Street Journal: WSJ: He Thought His Phone Was Secure; Then He Lost $24 Million to Hackers Here is the really scary part: Mr. Terpin had been SIM-swapped seven months earlier. He got lucky and didn’t lose any money that time, but had taken serious steps to prevent it from happ...
by Silence Dogood
Mon Nov 04, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Upcoming Nov. "Bogleheads on Investing" podcast guest is Eric Balchunas
Replies: 12
Views: 1010

Re: Upcoming Nov. "Bogleheads on Investing" podcast guest is Eric Balchunas

Thanks, Rick. One suggestion: Why did target-date ETFs die, and will they ever come back (especially in light of the fact that target-date mutual funds tend to have higher expense ratios than the component funds "inside" do)? peseta For what it's worth, supposedly Vanguard may start using the ETF s...
by Silence Dogood
Sat Nov 02, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8608

Re: H&R BLOCK Pre-Order 2019 Software Offer

I can't seem to find "H&R Block 2019 Deluxe Federal + State" on Amazon yet.

When I'm able to, I will create a price watch via camelcamelcamel.
by Silence Dogood
Fri Nov 01, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: Hidden liquidity risk with I-bonds
Replies: 43
Views: 4245

Re: Hidden liquidity risk with I-bonds

I'm getting rid of my I Bonds this year (most gone already) as they hit their 5-year mark. I decided it wasn't worth dealing with TreasuryDirect for my relatively small amount of I Bonds, the amount of inflation hedging from them being minuscule relative to my portfolio size. Do you have any paper ...
by Silence Dogood
Fri Nov 01, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: Hidden liquidity risk with I-bonds
Replies: 43
Views: 4245

Re: Hidden liquidity risk with I-bonds

"For example, if an investor was to sell to another collector, they might get full value if they wait for the right buyer. However, the item could be sold at a discount to its value if done through a dealer or broker if cash was needed." When people talk about liquidity without price, they are just...
by Silence Dogood
Sat Oct 26, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: ETF Education vs Marketing from Vanguard
Replies: 14
Views: 936

Re: ETF Education vs Marketing from Vanguard

I've been a satisfied Vanguard mutual fund investor for many years. I'm content to stick with mutual funds and don't see any major advantages with ETFs given my "buy and hold forever" strategy. I appreciate being informed of my options; however, I'm getting so much unsolicited ETF info from Vanguar...
by Silence Dogood
Sat Oct 26, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: ETF Education vs Marketing from Vanguard
Replies: 14
Views: 936

Re: ETF Education vs Marketing from Vanguard

That's interesting. I haven't gotten any marketing emails from Vanguard at all. Just stuff like A reminder about your IRA tax withholding Your confirmation is ready Your confirmation is ready Amendment to the Vanguard Brokerage Account Agreement Reminder: Vote your proxy today Updated Vanguard fund...
by Silence Dogood
Sat Oct 26, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Hidden liquidity risk with I-bonds
Replies: 43
Views: 4245

Re: Hidden liquidity risk with I-bonds

"For example, if an investor was to sell to another collector, they might get full value if they wait for the right buyer. However, the item could be sold at a discount to its value if done through a dealer or broker if cash was needed." When people talk about liquidity without price, they are just...
by Silence Dogood
Sat Oct 26, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Hidden liquidity risk with I-bonds
Replies: 43
Views: 4245

Re: Hidden liquidity risk with I-bonds

The definition of liquidity is pretty simple: Financial liquidity refers to how easily assets can be converted into cash. That is it. This is not correct. Price definitely plays a role in the definition. From wikipedia: https://en.wikipedia.org/wiki/Market_liquidity In business, economics or invest...
by Silence Dogood
Thu Oct 24, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: "Invest In The Largest Mutual Fund In The World" World:
Replies: 17
Views: 2655

Re: "Invest In The Largest Mutual Fund In The World" World:

The article linked makes no argument for or against international investing.

Perhaps we can save this (endless) debate for another thread?
by Silence Dogood
Wed Oct 23, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: Hidden liquidity risk with I-bonds
Replies: 43
Views: 4245

Re: Hidden liquidity risk with I-bonds

Suppose you have an older I-bond with a guaranteed real yield of 3%. If you needed to liquidate it, that would be painful. ... This is no different in practice than if you sold a security and took a big hit on selling price due to a bid-ask spread that was fairly wide, reflective of low liquidity. ...
by Silence Dogood
Mon Oct 21, 2019 11:22 am
Forum: Personal Investments
Topic: individual stocks performance vs ETF
Replies: 14
Views: 1305

Re: individual stocks performance vs ETF

OP,

Consider using this format to ask questions about your portfolio.

Also, consider reading the getting started page in the Bogleheads Wiki.
by Silence Dogood
Sun Oct 20, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: 2019 Bogleheads Conference Notes
Replies: 21
Views: 3956

Re: 2019 Bogleheads Conference Notes

During Thursday's visit to Vanguard, I expressed a very strong opinion that Vanguard needs to add email as second factor login authentication (2FA). Currently, only a single choice is offered - phone (text or voice). They need to add email as another choice. The developer team I spoke with may not ...
by Silence Dogood
Sun Oct 20, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: 2019 Bogleheads Conference Notes
Replies: 21
Views: 3956

Re: 2019 Bogleheads Conference Notes

Thank you, LadyGeek.

Do you know where I can find the answers to the questions asked here?
by Silence Dogood
Thu Oct 17, 2019 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

Give it time :twisted: That's likely because many of them are more recently married and won't get divorced for another 5-10 years. :P ... the oldest millennial isn't even 40 so how would such a poll be conducted practically I would encourage you to look at the statistics. The divorce rate for mille...
by Silence Dogood
Wed Oct 16, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

OP, For what it's worth, I got married a few years ago and did not get a prenup. Your future spouse sounds very responsible. From what you've written, she hasn't had as many breaks in life as you, but has still managed to pay off her student loan debt and save up a large amount of money. You've been...
by Silence Dogood
Wed Oct 16, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

OP,

How does your future spouse feel about this issue?
by Silence Dogood
Wed Oct 16, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

Give it time :twisted: That's likely because many of them are more recently married and won't get divorced for another 5-10 years. :P ... the oldest millennial isn't even 40 so how would such a poll be conducted practically I would encourage you to look at the statistics. The divorce rate for mille...
by Silence Dogood
Wed Oct 16, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

Marriages don't last? The divorce rate for millennials is actually lower than that of older generations. Again, this is mostly off topic. The rate of divorce could be 10%, it still wouldn't negate the needs and priorities of the OP. On top of that the oldest millennial isn't even 40 so how would su...
by Silence Dogood
Wed Oct 16, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

Many older bogleheads dont understand that times have changed. Marriages dont last. I'm also in my 30s as OP. OP, this is great way to protect your capital. Many people start prenup shaming us just because they had 50-60-70 year marriages. They dont understand how happy they are having such a long ...
by Silence Dogood
Mon Oct 14, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3678

Re: Seiko Watch

I bought my wife a solar Seiko at Penny's a few years ago. She loves it and it never needs a new battery like her old standard Seiko. So I vote for the solar version but that price seems low. Check you are getting a real Seiko version and not some knock off. Good Luck. It is on sale at Amazon. How ...
by Silence Dogood
Mon Oct 14, 2019 4:28 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 10
Views: 1433

Re: I-Bonds for emergency fund, now or wait?

My "gut" says the new fixed rate will be lower.

My brain knows that my gut doesn't know for sure.
by Silence Dogood
Mon Oct 14, 2019 9:50 am
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6788

Re: What’s the point of a taxable account?

When I stared the taxable, my intentions was it can be something to use when I am 40. My biggest fear is this. I am single, no kids, no siblings. I would like to have access to money I worked hard for, rather than having an excess of it when I am 60. You don't have to wait until 60 (or 59.5) to acc...
by Silence Dogood
Sun Oct 13, 2019 11:19 pm
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6788

Re: What’s the point of a taxable account?

Hey all, The more I read the forum, the more I see people bring up questions regarding taxable accounts. At age 29, I will be honest that 75% of my total portfolio is in a taxable account (vtsax), the remaining 25% in a Roth IRA. Every week deposit into my Roth IRA account, while also buying into m...
by Silence Dogood
Sat Oct 12, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: “Beating” the market with i bonds
Replies: 30
Views: 4000

Re: “Beating” the market with i bonds

Even though they're called "bonds" I prefer to think of I Bonds as more like a tax-advantaged inflation-linked non-brokered CD. I think they're super useful and will be maxing out my allowance this year but unlike regular bonds where we hope their value can rise to help offset stock declines, I Bon...
by Silence Dogood
Sat Oct 12, 2019 10:19 am
Forum: Investing - Theory, News & General
Topic: highly compensated employee (HCE) Time bomb?
Replies: 91
Views: 8836

Re: highly compensated employee (HCE) Time bomb?

First, @Silence Dogood.l, it bears pointing out again. If her employer 401k plan is a safe harbor 401k plan, no ADP/ACP testing is done and HCE employee deferrals are not limited. If it is not a safe harbor plan the results of the testing are known to the plan. It is often difficult to get through ...
by Silence Dogood
Fri Oct 11, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: highly compensated employee (HCE) Time bomb?
Replies: 91
Views: 8836

Re: highly compensated employee (HCE) Time bomb?

...If you pass 2? Or more of these you are in essence prevented from using a 401k to save for retirement... I'm not an expert, all I know is what I went through personally. But I certainly wasn't prevented from using a 401k. I just had a dollar limit that was a less than the maximum available to no...
by Silence Dogood
Fri Oct 11, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7604

Re: Vanguard keeps pushing their financial advisors...why?

The part that drives people off is where longtime customers asked to be left alone, and VG won't/can't take the hint. One of a couple of reasons I've pulled a lot of my AUM--they'll engage in the game of marketing with so little an idea of know thy customer than it is almost embarrassing. Excellent...
by Silence Dogood
Thu Oct 10, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15869

Re: How many are switching from Fidelity?

This is now officially the most hilarious thread ever to occur on this forum. What does it say about people who couldn't even wait a week to see what Fidelity was going to do. I think it says that this forum is no longer just a Bogleheads forum for passive low cost buy and hold investors. Jack must...
by Silence Dogood
Wed Oct 09, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 6016

Re: NY Times $1 per week digital

Broken Man 1999 wrote:
Wed Oct 09, 2019 5:47 pm
I am enjoying a year-long print subscription to The Economist for $49 thanks to a heads-up post by a forum member.
Please let me know if that deal is ever offered again!
by Silence Dogood
Wed Oct 09, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: What would you do? New to this stuff
Replies: 33
Views: 4023

Re: What would you do? New to this stuff

Without a doubt, I would recommend using the $15K in "free money" to pay down your student loan debt. Since you have 4 loans, start with the highest interest rate loan first. That will bring you down to about $25K in student loan debt. After that, I would recommend either: 1. Use your emergency fund...
by Silence Dogood
Mon Oct 07, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Impersonal Advisor Service
Replies: 23
Views: 3335

Re: Vanguard's Impersonal Advisor Service

That's true, and I don't begrudge them that. But in my case, I've seen the pitch, I'm not interested, and I don't need to keep seeing it. I'm the kind of person that the more I am bombarded with marketing beyond the initial product awareness campaign, the less interested I am, and may even refuse i...
by Silence Dogood
Fri Oct 04, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6548

Re: Do you know what your partner spends money on?

We have only joint credit cards and joint checking/saving accounts. Makes everything transparent. We have never budgeted. Found that tracking saving/investing allowed us to reach goals. I think because we had big savings goals the spending kind of took care of itself. My spouse and I do the same. W...
by Silence Dogood
Thu Oct 03, 2019 8:08 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13370

Re: I pulled out... How do I get back in?

OP, No ETF. Pick a target retirement fund. KlangFool +1 Why target retirement fund instead of 5 etfs? Won’t I be paying too much in fees? Domadosolo, 1) You are not capable of handling 5 ETFs. So, it is pointless to discuss the fees of a plan that you cannot execute. 2) The fees are insignificant a...
by Silence Dogood
Thu Oct 03, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: 'Stay the course' with international stock but give up on value?
Replies: 101
Views: 6963

Re: 'Stay the course' with international stock but give up on value?

Saying something to the effect of "Yes, you should abandon your value tilt because it's underperformed for X years, but you shouldn't abandon your international stock even though it's underperformed for X years" is, at best, illogical. If the same person is saying both of these things, it is illogi...
by Silence Dogood
Thu Oct 03, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7961

Re: Recourse for "Stolen" Money

I wouldn't even call it optimism. I'm just not willing to settle for calling petty crimes completely hopeless to address. Speaking from personal experience, the police in my area apprehended a mail thief with some of our mail a couple years ago. The detective on the case followed through by correla...
by Silence Dogood
Thu Oct 03, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 6664

Re: If you use Vanguard (Brokerage), why do you stay?

I don't have a need for brokerage services. I'm invested in an all-in-one mutual fund. Having said that, I'm not really happy with the direction Vanguard is going in. Despite their lackluster customer service and clunky website, I thought that at least compared to other fund companies, Vanguard is c...
by Silence Dogood
Wed Oct 02, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7961

Re: Recourse for "Stolen" Money

If, by some chance, he actually does live at the address provided, what do you propose the OP do? The OP's personal safety is paramount. Including that information in a report to, depending how much effort they want to put into it, Western union, the police, or a court filing. Over $200, I would be...
by Silence Dogood
Wed Oct 02, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7961

Re: Recourse for "Stolen" Money

There's actually two sentiments expressed by both of you. One is a pragmatic recommendation based in part on the relatively small value. I think it's pretty reasonable to question whether it's worth the effort. The other is fatalist, based in part on the conclusion that recovering the money is the ...
by Silence Dogood
Wed Oct 02, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Is It Too Late to Stain My House? (Massachusetts)
Replies: 10
Views: 931

Re: Is It Too Late to Stain My House? (Massachusetts)

Absolutely do not do this.

Also, hire someone else.
by Silence Dogood
Wed Oct 02, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7961

Re: Recourse for "Stolen" Money

Consider yourself lucky it was only $200 and move on. Why move on? My take: accomplishing anything significant either to restore what was stolen from you or to hold this crook accountable may take more effort than $200 is worth. However, if you have the time, patience, and desire to do something ab...
by Silence Dogood
Wed Oct 02, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7961

Re: Recourse for "Stolen" Money

I have his address and cell phone number. Have you stopped by and rang the doorbell? I have run into people over the years quick to blow off emails and such but when you see them face to face, they will do the right thing after making a lame excuse or too. It might also answer the question as to if...
by Silence Dogood
Wed Oct 02, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7961

Re: Recourse for "Stolen" Money

fishmonger wrote:
Wed Oct 02, 2019 1:18 pm
Also cell phone goes to a voicemail with his name (not saying it's legit).
Using Google Voice, you can set up a voicemail, claiming to be anyone, within 5-10 minutes.