Search found 48 matches

by bagle
Thu Sep 27, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3514

Re: Good flip flops

Olukau Ohana Koa´s. Anatomic footbed and very good arch support. Lifesaver for someone like me with metatarsalia and flat feet.
by bagle
Thu Sep 20, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25450

Re: Vanguard - You'll need to sign up for security codes soon

If you have Google Voice (GV), can´t you just have Vanguard leave a voice mail recording of the security code that GV will record and make a transcript of? You could get both once GV sent you an email (or you were alerted on their Voice app).
by bagle
Wed Sep 19, 2018 3:52 am
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 40
Views: 12537

Re: Why I left Wealthfront

I assume a VC would expect a 30x return on investment. Right now, Wealthfront (with its $10B AUM) is generating a 1.2x return on investment (the light blue highlight). Sure, the VC hoped ex ante that Wealthfront would be the homerun with the 30x payout. But the investment is a sunk cost. I don't se...
by bagle
Thu Aug 02, 2018 3:01 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14718

Re: Tips for staying active / injury-free into older age

[/quote] the more recent research continues to build evidence about the importance of dynamic stretching, movement prep, and mobility work [/quote] Given your background and the current state of research, can you recommend any practical videos, books or likewise that implement these? Would you recom...
by bagle
Fri Jun 15, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25450

Re: Vanguard - You'll need to sign up for security codes soon

Will the security code only be texted to cell phones, or will it also be sent to an email address?
by bagle
Wed Jun 06, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 104995

Re: [What TV Show Have You Recently Watched?]

The ending of "The Americans" was pathetic at best. They made Stan, and by association the FBI a laughingstock. How he could just overlook the recent murder of colleagues and informants, (as well as the penetration of gov't agencies and programs), and just let them escape was beyond absurd and rend...
by bagle
Wed Jun 06, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 104995

Re: [What TV Show Have You Recently Watched?]

hale2 wrote:
Tue Jun 05, 2018 12:49 pm
bagle wrote:
Mon Jun 04, 2018 11:19 am
Just finished the heartbreaking finale of "The Americans". My favorite TV drama since Mad Men, Borgen and Breaking Bad.
We loved the show, but were very disappointed in the finale.
Would you have liked it if Stan had arrested Philip and Elizabeth or Paige had gone to Slovenia?
by bagle
Mon Jun 04, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 104995

Re: [What TV Show Have You Recently Watched?]

Just finished the heartbreaking finale of "The Americans". My favorite TV drama since Mad Men, Borgen and Breaking Bad.
by bagle
Wed May 30, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 6253

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

Hold...global bond funds The currency risk is not "little" That´s what Vanguard Research concluded in their 2013 report. They recommended that a Euro-based investor invest in a globally diversified portfolio of bonds, hedged back to the Euro. They found that for an un hedged portfolio, the currency...
by bagle
Tue May 29, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 6253

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

The Eurozone lacks a zone-wide bank bailout mechanism. That is its key structural flaw. The Eurozone did establish the European Stability Mechanism (ESM) in 2013 to bailout (or more politely, provide financial support) for up to 500 billion Euros. Of course, any bailout would be subject to acceptin...
by bagle
Tue May 29, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 6253

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

The Eurozone lacks a zone-wide bank bailout mechanism. That is its key structural flaw. The Eurozone did establish the European Stability Mechanism (ESM) in 2013 to bailout (or more politely, provide financial support for) up to 500 billion Euros. Of course, any bailout would be subject to acceptin...
by bagle
Tue May 29, 2018 2:13 am
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 6253

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

If you want to buy German bunds, you can open an account directly with the Germany finance agency ("Finanzagentur") in Frankfurt. A Spanish colleague of mine did so during the height of the previous Euro crisis in 2012 by visiting their office, though they also gave him a form (in German only, as is...
by bagle
Tue Oct 31, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 18
Views: 1776

Re: MacBook Maintenance/Improvement - Running Slow

My mid-2012 MacBook Pro with 4 GB of RAM began slowing down a couple of years ago. I replaced the 500 GB hard drive with a Crucial 750 GB solid state drive (SSD), and it's been much faster ever since.
by bagle
Tue Oct 31, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 13743

Re: Converting to Safety Razors

I switched to a safety razor 8 years ago and will never go back to cartridges or electrics. Why? cheaper, more Boglehead. Decent Russian/Indian blades cost about 6 cents apiece, $1.60 Arko soap will last 6 months. If you catch SAD (Shaving Acquisition Disorder), though, you might end up spending $50...
by bagle
Wed Jun 28, 2017 1:09 am
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 3141

Re: swimming goggles

Another vote for Aqua Sphere Kaimans. Various Speedos leaked for me. But, be sure to try them on first as your face geometry may be different.
by bagle
Wed Sep 14, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 39
Views: 6757

Re: Anybody using Andrews CU 3% IRA CD?

I tried to sign up a few months back. There was so much back and forth between Scottrade, my current provider, and Andrews. Both were pointing fingers at the other for document issues. What worked for me was to call Vanguard toll-free, and have them call Andrews while I stayed on the line. We solve...
by bagle
Wed Sep 14, 2016 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 39
Views: 6757

Re: Anybody using Andrews CU 3% IRA CD?

I agree that the 7-year CD is relative bargain: the 3.0% APR was exactly double the 1.50% 7-year US Treasury yield as of Monday. Not bad for a Federally-insured obligation. If rates rise considerably, you have the (put) option to withdraw early for a 1.5% (6-month) penalty. It did take some time and...
by bagle
Tue Sep 22, 2015 3:53 am
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7989

Re: Soylent

Taste: "like someone wrung out a dishtowel into a glass" (Gawker)

I've heard v3 will be pre-loaded injectable to avoid the unnecessary hassle and time wasting of swallowing.
by bagle
Thu Dec 25, 2014 12:25 pm
Forum: Personal Consumer Issues
Topic: Preparing for a big move (US to Europe)
Replies: 26
Views: 4117

Re: Preparing for a big move (US to Europe)

I suggest you marry an EU citizen in order to avoid work permit problems. That's what I did (for love, not a job).
by bagle
Wed Nov 05, 2014 4:22 am
Forum: Investing - Theory, News & General
Topic: The Euro-Boglehead way of Bonds
Replies: 25
Views: 3662

Re: The Euro-Boglehead way of Bonds

IMO, if as you say, you want your fixed income portfolio to be very low risk, then you may want to invest directly in German bunds (either nominal or inflation-adjusted). You won't incur foreign exchange risk and your issuer risk will be very low (AAA). It's true the German treasury has a certain co...
by bagle
Wed Aug 27, 2014 5:20 am
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 16793

Re: Zegna Suits

For that money, you might want to look at something like Kiton. Styleforum is to men´s clothing what Bogleheads is to to low-cost, self-directed investing. Anyone knowledgeable there will tell you that a $4,500 suit should be fully canvassed so that it moves with you, and that most Armani and Boss l...
by bagle
Tue Mar 18, 2014 12:00 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Lifecycle Finance
Replies: 120
Views: 24743

Re: Wade Pfau: Lifecycle Finance

Matching strategy was added to the Risk management section I interpret Bernstein in The Ages of the Investor to include 50% of dividend income as part of the low-risk cash flow used to match liabilities. This is more agressive than using only fixed income (eg, CD, TIPS, Treasuries) or near fixed in...
by bagle
Tue Nov 19, 2013 6:43 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 13743

Re: Converting to Safety Razors

Not only cheaper (about 10-15 cents per blade), but a better shave. A win-win situation. But the initial learning curve is steep, and you´ll cut yourself. Later, there´s no going back.
by bagle
Thu Apr 19, 2012 5:43 am
Forum: Personal Consumer Issues
Topic: Tempurpedic mattress--worth price? Finance it?
Replies: 63
Views: 16546

Re: Tempurpedic mattress--worth price? Finance it?

As a cheapskate, bag-lunching Boglehead, let me say this: My wife and I bought a Tempurpedic 8 years ago. I had severe buyer´s remorse the day I bought it. Would I give it up now? No way. You´ll have to pry it out of my cold, dead hands. My suggestion is to first try one of their pillows - and not p...
by bagle
Tue Apr 03, 2012 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Your milestones?
Replies: 82
Views: 7203

Re: Your milestones?

Tonight, we´re opening a (half) bottle of champagne to celebrate paying off our mortgage!

This, even though the financial asset (only) side of our balance sheet won´t look as good.
by bagle
Fri Jan 13, 2012 7:01 am
Forum: Personal Consumer Issues
Topic: Do you own Apple products?
Replies: 114
Views: 8032

Re: Do you own Apple products?

rather ugly. I think there are valid criticisms of Apple, and yes beauty is subjective, but I think there´s a reason why the MOMA (Museum of Modern Art) in NY has the original iPod and other Apple products in its collection. Even Bill Gates admits that Steve Jobs was way ahead of him on this. Perso...
by bagle
Thu Dec 22, 2011 5:46 am
Forum: Investing - Help with Personal Investments
Topic: European or US Bonds for a spanish investor?
Replies: 18
Views: 1504

Re: European or US Bonds for a spanish investor?

Ramón,

There are Spanish-domiciled funds, such as Bestinver Renta, that invest primarily (90%) in German bunds. They have relatively low commissions (0.55%), avoid withholding tax issues for non-US residents, and avoid currency risk for Euro-based investors.
by bagle
Mon Oct 24, 2011 11:11 am
Forum: Personal Consumer Issues
Topic: Lululemon Yoga Clothing
Replies: 11
Views: 2214

Re: Lululemon Yoga Clothing

I have to admit I cringed, like a good Boglehead, when my wife wanted to buy me a pair of their yoga shorts. They ARE expensive, but I have to say - after using them for Pilates class for a month -- they ARE very robust and comfortable.
by bagle
Mon Sep 05, 2011 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead investing in EU? Any "vanguard" here?
Replies: 35
Views: 13352

Vanguard as candate

Vanguard ETFs are distributed by certain EU fund managers. For instance, both eBankinter and Inversis in Spain market some, but not all, of these. These Vanguard ETFs make distributions, so they don´t avoid typically high EU taxes on dividends. But, they do avoid potential synthetic replication issu...
by bagle
Tue Aug 30, 2011 4:14 am
Forum: Personal Consumer Issues
Topic: (Watch) band for an IWC Pilot's Watch
Replies: 14
Views: 3835

I´ve bought replacement straps, starting at about $42, for my IWC pilot watch from Walt at this site: http://lonestarwatches.com/leather.htm? This guy sells to many people at Timezone.com, which I believe is the most popular high end watch forum. To my eye, the DeBeers and Hadley-Roma calfskin strap...
by bagle
Wed May 04, 2011 5:13 am
Forum: Personal Consumer Issues
Topic: Vacuum cleaner
Replies: 32
Views: 4452

Dyson. Bought it for my wife after checking various allergy foundation recommendations. I think it´s one reason she is better.
by bagle
Tue May 03, 2011 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Books with a direct impact on your life?
Replies: 103
Views: 14881

Man´s Search for Meaning, by Victor Frankl.
by bagle
Fri Apr 29, 2011 4:02 am
Forum: Personal Consumer Issues
Topic: Tempur-Pedic Mattress, is it worth it?
Replies: 41
Views: 11781

I thought it was an outrageous splurge when I bought it.

Today, I´d say you´d have to pry my dead hands off it. It´s the best quality of life investment I´ve made. I would definitely get the pillow, too, but only after trying the different widths.
by bagle
Wed Apr 20, 2011 6:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs are cheaper; Are they safer?
Replies: 16
Views: 3301

Does Vanguard use security lending as a side business to its ETFs? This is a risk that the IMF and Financial Stability Board have recently highlighted, even for ETF providers that use physical replication.
by bagle
Wed Apr 13, 2011 4:45 am
Forum: Investing - Theory, News & General
Topic: US Index Funds Available to Non-US Investors?
Replies: 25
Views: 7043

Now, let´s say the decedent were a U.S. citizen married to a non-resident alien. If the U.S. citizen´s assets were on deposit in a U.S. bank, would these be subject to U.S. estate tax? I believe the NRA spouse would not get the unlimited spousal exclusion. However, they would still get the few mill...
by bagle
Thu Apr 07, 2011 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 29711

Though I generally follow the thrifty Boglehead mantra, I own a high-end IWC Ingenieur. To me it´s a great feat of mechanical engineering and should last the rest of my life. I bought it second-hand (and under warrantee) for a fair price, so it´s nearly fully depreciated, and I expect the the long-r...
by bagle
Tue Apr 05, 2011 4:28 am
Forum: Investing - Theory, News & General
Topic: US Index Funds Available to Non-US Investors?
Replies: 25
Views: 7043

Be vary of US confiscatory estate taxes for non-residents aliens, and you really should check what, if any, double taxation treaty says about estate taxes. Ted Swippet have a link to IRS about this in his post: http://www.bogleheads.org/forum/viewtopic.php?=427493&highlight=#427493 The IRS link* po...
by bagle
Thu Mar 24, 2011 10:41 am
Forum: Investing - Theory, News & General
Topic: US Index Funds Available to Non-US Investors?
Replies: 25
Views: 7043

Be vary of US confiscatory estate taxes for non-residents aliens, and you really should check what, if any, double taxation treaty says about estate taxes. Ted Swippet have a link to IRS about this in his post: http://www.bogleheads.org/forum/viewtopic.php?=427493&highlight=#427493 The IRS link* po...
by bagle
Wed Mar 23, 2011 8:38 am
Forum: Investing - Theory, News & General
Topic: Would you retire outside the US?
Replies: 61
Views: 9705

Let's put it this way: every time I travel to other countries, I realize how precious our freedoms are. No, wouldn't retire outside of the U.S. I think "other" countries is a very broad term. I certainly wouldn´t move to Iran or another nation with restricted liberty. But I´ve lived a part of my li...
by bagle
Wed Mar 23, 2011 7:54 am
Forum: Investing - Theory, News & General
Topic: Would you retire outside the US?
Replies: 61
Views: 9705

I think there are trade offs here, as with many things in life. For example, you will generally find good quality health care and safe cities in most of Europe. Many European countries score better than the US on nearly any health care criteria. I know firsthand as I´ve lived part of my career in Sp...
by bagle
Wed Mar 16, 2011 1:58 pm
Forum: Personal Consumer Issues
Topic: Need a new pillow -- terrible neck pain
Replies: 22
Views: 6631

I second the Tempur-Pedic, which eliminated my neck pains. However, you may find it uncomfortable at first because the memory foam adjusts to your contours and makes it more difficult to move your head around.
by bagle
Tue Mar 01, 2011 11:03 am
Forum: Personal Consumer Issues
Topic: Shaving Implements
Replies: 58
Views: 9011

ps - ill never own a silver tip probably because i dont se the value.. but for $30 you can get a years worth of cream and blades easily, and enjoy it.. Let´s take the long-term life-cycle Boglehead view: A good badger brush costs about a penny per use (not to mention how good is feels on the face)....
by bagle
Mon Feb 28, 2011 6:54 am
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 11819

Why not get a DE razor?

10-15 cent blade lasts 1-2 weeks.

Razor should last a lifetime.

Closest shave possible.

No more razor burn.

Goes well with real man´s shaving soap/cream that don´t smell like deodorant.
by bagle
Fri Feb 25, 2011 8:04 am
Forum: Personal Consumer Issues
Topic: Shaving Implements
Replies: 58
Views: 9011

Wow. I'm very surprised to hear people having a learning curve with the DE Saftey Razor. I use the replica of the 1910 Gillette DE with an Open Comb for tougher beards like mine and I had no learning curve at all. It actually takes me much quicker than any disposable on the market today. The dispos...
by bagle
Thu Feb 24, 2011 6:19 am
Forum: Personal Consumer Issues
Topic: Shaving Implements
Replies: 58
Views: 9011

Late 1940´s Gillette DE razor
Iridium Super DE blades.

Steep learning curve, but it´s absolutely the best shave and DE blades cost about 15 cents apiece.
by bagle
Tue Feb 22, 2011 9:32 am
Forum: Investing - Theory, News & General
Topic: 4% safe withdrawal amount
Replies: 49
Views: 8259

One of my favorite blogger-analysts, Felix Salmon, puts in a positive pitch for your "fascinating" new paper above in today´s Reuters blog, and how it makes sense to focus on the savings (not withdrawal) rate and mean reversion effects:

(sorry, can´t post link)
by bagle
Tue Feb 22, 2011 6:03 am
Forum: Personal Finance (Not Investing)
Topic: If you had a choice, would you still live in the USA?
Replies: 153
Views: 15419

I've traveled (and studied) for extended periods of time in Spain, Mexico and France. Great places to visit, but I do not care to live there. The smoking in public places drives me nuts. Italy is also an interesting country to visit but not to live . . . did I mention the smoking? :( Smoking, which...