Search found 38 matches

by cleansparks
Fri Jan 29, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 4706

Re: wife needs phone. Android, iPhone or Windows phone?

It seems to me that OP's wife is not a power user of smartphones. Why would one suggest a $500+ iPhone (or a flagship phones from other ecosystems) for her? I think the choice is here between low-end cheap Android phones and Windows phones. In this scenario, I think Windows is the way to go. Window...
by cleansparks
Sun Jan 17, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 15561

Re: Amazon Prime: doing the math...is it worth it?

I subscribe for the video service and occasional use of the lending library. The shipping is a nice bonus, but I wouldn't subscribe without the videos.
by cleansparks
Thu Oct 22, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring at 54
Replies: 34
Views: 7544

Re: Retiring at 54

Maybe too late or doesn't apply to your situation, but one thing I would think about is the age 55 401k rule for distributions. From the bogleheads wiki ( https://www.bogleheads.org/wiki/401(k) ): "... distributions from your workplace savings plan are not subject to the 10% early withdrawal penalty...
by cleansparks
Thu Aug 06, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: First Request for Advice, 25 y/o Military Officer
Replies: 23
Views: 2810

Re: First Request for Advice, 25 y/o Military Officer

Roth TSP is a pretty good choice for active duty military as their taxable income is relatively low. I agree with Maverick3320 that you need to think hard about buying real estate on active duty. Having the parents there may help, but the numbers are really going to have to work to cover all your co...
by cleansparks
Mon Oct 08, 2012 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 12305

Re: Cell phones breaking budgets!

$30/month on the tmobile 100 minute and unlimited text/data pay as you go plan

$30/month on DSL

google voice for home phone - free

amazon prime for movies - currently get the student rate - $40/year
by cleansparks
Sun Mar 25, 2012 11:32 am
Forum: Personal Consumer Issues
Topic: Indoor TV Antennas?
Replies: 26
Views: 3391

Re: Indoor TV Antennas?

I have had good success with and Antennas Direct DB2 mounted to a floor lamp.
by cleansparks
Thu Jan 19, 2012 10:04 am
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron Chairs
Replies: 12
Views: 1726

Re: Herman Miller Aeron Chairs

I also like the Steelcase Leap. You definitely can find these at a lot cheaper than retail. I found a used one in good condition for $200 off craigslist. If you are interested in a higher end chair, I recommend finding a store that stocks a variety of models and trying them all out to find one you l...
by cleansparks
Tue Jan 17, 2012 11:16 am
Forum: Investing - Help with Personal Investments
Topic: When do you invest in your Roth?
Replies: 87
Views: 6982

Re: When do you invest in your Roth?

I invest it all in January every year.
by cleansparks
Tue Mar 01, 2011 4:45 pm
Forum: Investing - Theory, News & General
Topic: mutual fund performance data
Replies: 4
Views: 698

mutual fund performance data

I am taking a statistics class and we have a project that is very self-directed. I haven't narrowed it down yet, I want to do something related to analysing the value managers add or detract to actively managed funds. If anyone has any great suggestions on the direction I should go, I would love to ...
by cleansparks
Sat Feb 26, 2011 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Zecco Fee Raise
Replies: 15
Views: 1983

Time to do an in-kind transfer to Vanguard. The free trades at zecco lasted a lot longer than I expected.

Looks like the ACAT transfer out fee is $50. https://www.zecco.com/explore/pricing.aspx#other
by cleansparks
Fri Feb 25, 2011 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which financial institution stores most of your net worth?
Replies: 79
Views: 9010

35% tsp
25% zecco
20% foliofn
15% vanguard
smaller amounts at treasury direct/paper i bonds and at fidelity

I'll consolidate at some point. I don't really like keeping track at so many places, but I suppose I do like not having it all tied up in one firm.
by cleansparks
Tue Feb 01, 2011 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: anybody going short next week?
Replies: 19
Views: 2944

Rick Ferri wrote:There's an old staying that's worth repeating in this conversation:

"The market climbs a wall of worry."
Thanks Rick, I really like that.
by cleansparks
Fri Jan 21, 2011 4:11 pm
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 31
Views: 4023

If you are looking for something a little better and spend a little more, I recommend a nice set of active monitors and an external DAC. I have had a pair of KRK RP5's for a few years now and they are great. With the 5" woofers, I don't feel like I need a sub so it is a nice 2.0 setup.
by cleansparks
Mon Jan 17, 2011 11:52 am
Forum: Personal Consumer Issues
Topic: Shaving Cream
Replies: 69
Views: 11542

I prefer a shaving soap like Tabac with a nice boar or badger brush.
by cleansparks
Wed Dec 08, 2010 5:11 pm
Forum: Investing - Theory, News & General
Topic: Poll: How would you rank these 3 funds in order of risk?
Replies: 16
Views: 2797

I rank them in order of least risky to most: SB, SV, SG I think the blend fund is the least risky because it doesn't take value/growth style risk. Small growth as a class has a really bad history of poor performance, so I wouldn't be comfortable putting my money here. On the other hand small value h...
by cleansparks
Wed Nov 17, 2010 1:05 pm
Forum: Personal Consumer Issues
Topic: I'm among the 2 most healthy of 17,820 adults. Are you?
Replies: 54
Views: 6297

Ed 2 wrote:I am vegetarian :D All 7.
How do you meet the "two 3.5oz servings of fish" dietary requirement if you are a vegetarian?

Although that does seem like a lot of fish given some of the concerns with mercury.
by cleansparks
Tue Oct 12, 2010 4:25 pm
Forum: Personal Consumer Issues
Topic: WashPost book review: "Stop Acting Rich"
Replies: 85
Views: 12205

Owning a television doesn't mean you have to pay a cable bill. Over the air (OTA) signals are free and some include high definition feeds. You just need to use an antenna. It is a great option as long as you live close enough to the broadcast stations and can get decent reception. Greetings: 2) Not ...
by cleansparks
Sun Sep 12, 2010 9:34 am
Forum: Personal Consumer Issues
Topic: What do Bogleheads do for a living?
Replies: 108
Views: 19621

Active duty Naval Officer.
by cleansparks
Sun Sep 12, 2010 9:29 am
Forum: Personal Consumer Issues
Topic: Winter Bike trainer options
Replies: 14
Views: 1996

I used to have a 1upusa trainer. I had no complaints and would recommend it to anyone. It was built like a tank and worked well. However, after using the spin bikes at the gym, I found I liked them more. They feel more stable to me if you are standing, require less setup, and don't put wear and tear...
by cleansparks
Wed Aug 11, 2010 8:54 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: Taleb Says Government Bonds to Collapse, Avoid St
Replies: 36
Views: 5886

Taleb is at his best when he is emphasizing the uncertainty of the future and at his worst when he is forecasting the future. I completely agree. His work on unpredictable catastrophic events is fascinating. The conclusions he draws from his work on how to invest it is IMO pretty flawed. He is esse...
by cleansparks
Wed Jul 28, 2010 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing while down? or wait to break even?
Replies: 64
Views: 5309

When reading through this thread, I was thinking that this is why having an Investment Policy Statement (IPS) is a good idea. Louis, if you don't have one already it might be worth taking the time to write one. And then whatever you decide stick with it. Focus on things like: What do I want my asset...
by cleansparks
Wed Jun 16, 2010 11:15 pm
Forum: Personal Consumer Issues
Topic: Best Floorstanding Speakers for $1200?
Replies: 36
Views: 7315

I have a pair of Rosewood Rocket RS850s from av123 that I love. They sound great and are also finished with a beautiful rosewood veneer. I think the retail for about $2000, but you might be able to find a pair used on audiogon or at av123's forums which have a pretty active classifieds section.
by cleansparks
Wed Jun 02, 2010 11:16 pm
Forum: Investing - Theory, News & General
Topic: Bogle: I'm Nervous About the Fixed-Income Markets
Replies: 60
Views: 11787

Mr. Bogle probably dislikes long-term bonds for the same reason many of us do, i.e., concern that continuing government deficits may lead to high inflation and high interest rates. . . . your Social Security investment, when you're say 60 or 65, has a capitalized value of something like $300,000, a...
by cleansparks
Mon Apr 26, 2010 10:33 pm
Forum: Personal Consumer Issues
Topic: Another sunscreen thread: Sport sunscreen
Replies: 17
Views: 2502

Chemical sunscreen makes me break out in hives.

I have had the best luck with Badger SPF30. It uses Zinc Oxide and seems like it is decently resistant to water and sweat. It does take a while to work in and the smell is a bit overpowering, though.
by cleansparks
Thu Apr 22, 2010 3:04 am
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 15752

The vast majority of the time I bring a lunch. I do this for health reasons. Money is not a factor in my decision making. I don't eat out that much because I like to know what is going into my food. When I eat out, I never know for sure, but when I make it myself, I have 100% control over the ingred...
by cleansparks
Thu Jan 14, 2010 11:05 pm
Forum: Personal Consumer Issues
Topic: What was your 2009 splurge? Was it worth it?
Replies: 104
Views: 13805

Biggest splurge was a trip to Beijing. Definitely worth it.
by cleansparks
Wed Oct 28, 2009 5:42 am
Forum: Personal Consumer Issues
Topic: ISO comfortable casual shoes
Replies: 5
Views: 1619

These are probably a decent choice. They aren't super light and there is some cushioning, but the sole pretty thin and very flexible. They are also easy to slip on and off.

Minnetonka Straight Plug
http://www.onlineshoes.com/mens-minneto ... e-p_id9631
by cleansparks
Fri Aug 28, 2009 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing TSP
Replies: 5
Views: 2050

Your AA looks find to me and you probably devoted some time deciding on it. You should take some time to think about how you want to rebalance. After you have a plan, you won't have to worry about knowing if you should rebalance or not. There are a few different methods discussed around here. You co...
by cleansparks
Wed Aug 19, 2009 3:40 am
Forum: Personal Consumer Issues
Topic: Beijing, 1200 new cars a day
Replies: 11
Views: 1922

In Beijing to control traffic, they take each work day and say that cars ending with certain digit plates cannot drive that day. They pick two numbers for each day. For example, plates ending with 0 or 5 cannot drive on Monday. The increased this to 5 numbers during the Olympics so only half the car...
by cleansparks
Tue Oct 21, 2008 3:24 pm
Forum: Personal Consumer Issues
Topic: JACK BOGLE'S NEW BOOK GIVEAWAY
Replies: 163
Views: 31822

Enter me in the drawing pls.
by cleansparks
Tue Jun 10, 2008 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best car wax and polish
Replies: 38
Views: 8612

For ease of use and long durability, I really like Collinite Insulator Wax #845.
by cleansparks
Mon Mar 17, 2008 3:31 am
Forum: Investing - Theory, News & General
Topic: Shd I invest $500,000 if crash comes by NON-TIMER
Replies: 11
Views: 2874

I would stick with your plan and continue to DCA. Do you think you can accurately predict what the market does after such a crash?
by cleansparks
Sun Feb 17, 2008 7:28 pm
Forum: Investing - Theory, News & General
Topic: Interesting paper: Black swans and market timing
Replies: 1
Views: 1056

Interesting paper: Black swans and market timing

http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1032962 Estrada argues that a small handful of days make up the vast majority of the market return. He contends that because of this, the odds against successful market timing are great. He also shows that the stock market has a much more volatile ...
by cleansparks
Sun Feb 17, 2008 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Good rule of thumb as to what % of loss to take before sale?
Replies: 55
Views: 11290

If you want to keep a simple diversified portfolio, you can easily get away with three funds. I listed some choices from Vanguard. Total US Stock - VTSMX Total Intl Stock - VFWIX or VGTSX Fixed Income - VBMFX There is a lot of debate about where to put the fixed income allocation. Some like TIPS, so...
by cleansparks
Sat Feb 16, 2008 6:36 am
Forum: Investing - Help with Personal Investments
Topic: In this time of uncertainty, why equities at all?
Replies: 48
Views: 11561

When it comes to equities, I think it is always a "time of uncertainty". There wouldn't be an equity premium if there wasn't real risk involved.
by cleansparks
Mon Nov 19, 2007 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Any Military Give Me a Hand?
Replies: 27
Views: 7119

I was currently mulling the idea of joining the army reserves for scholarship reasons, and benefits... My initial reaction is to say, "Don't bother. If you want to be a mercenary go talk to Blackwater" Nothing here about God & Country, or patriotism, service, honor or duty. The nation's at war and ...
by cleansparks
Thu Sep 13, 2007 5:54 pm
Forum: Investing - Theory, News & General
Topic: For the penny pinchers, VEA/VWO combo is cheaper than VEU
Replies: 10
Views: 2984

Remember that with VWO/VEA there is a possibility of a taxable event down the road if a country shifts between indexes by moving from emerging to developed.
by cleansparks
Fri Aug 10, 2007 2:36 am
Forum: Investing - Help with Personal Investments
Topic: Larry: fixed income allocation with TSP
Replies: 1
Views: 879

Larry: fixed income allocation with TSP

I have been reading many of the discussions here on fixed income allocations. Larry's views on TIPS certainly provokes lively discussions and has given me a lot to think about. My specific situation is that I am only going to carry the fixed portion of my bond allocation in the government TSP plan. ...