Search found 208 matches

by dgm
Sat Nov 09, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile: sf bay area
Replies: 8
Views: 577

Re: Xfinity mobile: sf bay area

been using them for a while now.
verizon -> xfinity transfer
good. no complaints. a few more dropped calls but almost the same.
literally saving almost a thousand dollars per yr on my household mobile bill.

do it and you will never look back. you will wonder why you didn't do it sooner though.
by dgm
Mon Oct 21, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Windfall Makes Working Worse Than Not Working
Replies: 70
Views: 9854

Re: Advice: Windfall Makes Working Worse Than Not Working

My advice would be to not make life decisions based on things that have not happened and/or taxes. For perspective, I've been in the Private Equity business for 35 years and have had experience with many companies and IPOs. MANY things could effect the valuation, timing or even IF the IPO happens a...
by dgm
Wed Oct 09, 2019 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2717

Re: Making money with oversized rooftop solar system?

one thing you are missing potentially is whether those rates you can sell for are guaranteed.

if not, in 2 years its possible they change what the rates are and you make far less than you thought you would
by dgm
Tue Sep 24, 2019 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel advice & experiences
Replies: 64
Views: 2924

Re: Solar panel advice & experiences

Got solar a few years ago and am very happy with it overall. Everyone I know who has gotten it is happy with it. A few points of learning - get at least 3 quotes, at least one from a local installer (not nationwide chain). local was cheapest for me, and their actual installation work was solid. its ...
by dgm
Sat Sep 14, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 6203

Re: Vanguard is Falling Behind Compared to Fidelity

a number of times in my lifetime, i have switched brokerages, etc for lower costs. my experience is that they will get their pound of flesh somewhere down the line later -- usually in a different area -- while you are not paying attention. so even though its a 'passive' investing style, its not real...
by dgm
Sat Aug 03, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: Help me choose my next Boglecar!
Replies: 52
Views: 3496

Re: Help me choose my next Boglecar!

friend was eyeing the rav-4 but went with the cx-5 due to price and has no regrets. loves the car
by dgm
Sat Aug 03, 2019 12:55 am
Forum: Personal Investments
Topic: 401K Rollover Purchases and New China Tariffs
Replies: 4
Views: 419

Re: 401K Rollover Purchases and New China Tariffs

its up to you if you want to time the market but just be sure it is deposited into your new account in a timely manner.
you can have cash sitting around in the new account but you don't want it sitting outside of either account for a while b/c it will be considered as a withdrawal I believe.
by dgm
Thu Jul 25, 2019 11:06 am
Forum: Personal Investments
Topic: For those who include international bonds, do you use hedged or unhedged?
Replies: 10
Views: 634

Re: For those who include international bonds, do you use hedged or unhedged?

Would unhedged international bond funds provide more diversification than hedged? They seem to be less correlated with many of the standard asset classes. I use unhedged for the following reasons: - its generally cheaper for the fund (hedges cost money) - more diversification (almost everything els...
by dgm
Wed Jul 24, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Getting New House Fever... Advice?
Replies: 26
Views: 2038

Re: Getting New House Fever... Advice?

Studies show the number one stressor in our daily life is commuting. People get used a small house, no view, lots of other inconveniences but something about commuting is a stress that one never gets used to. In light of that I'd suggest optimizing for commute time of your wife esp if she thinks she...
by dgm
Mon Jul 22, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8552

Re: When family members fight over the check when out to eat

We sometimes have this drama at family dinners. What REALLY bothers me, however, is when the plan is to split the dinner two ways, but when the bill comes I pull out a credit card and the other guy hands me cash...C'mon, man! I get stuck with the whole amount on my credit card and cash in my wallet...
by dgm
Tue May 28, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: What goes wrong after index enlightenment
Replies: 41
Views: 5660

Re: What goes wrong after index enlightenment

thank you. so much of this rings true that it hurts.
by dgm
Tue May 28, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 5226

Re: FIRE in 6-7 years vs 20+ years

what you are doing now is like contemplating never running again while running the final mile of a marathon. understandable, but don't be hasty! recover first and then decide! in the meanwhile, like everyone says, try to avoid lifestyle creep in order to keep your options open. congratulations on gr...
by dgm
Wed May 22, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14848

Re: Should I encourage my kids to work in high school/college?

Where a teenager finds out where they don't want to end up, or who they don't want to be, or are inspired to achieve. :D This is a big one that I failed to mention. I had one job in particular that made a huge impression on me......that I didn't ever want to have to do that kind of work for the res...
by dgm
Tue May 21, 2019 9:15 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 9174

Re: $400,000 gift to stepdaughter

I only have one child/stepchild. I don't want to significantly change my stepdaughter's life; I only want to make her life easier. And, I'd like to help her now, not through a bequest 30 years from now. sorry for your loss. that is a great thing you are considering doing. one thing to think about i...
by dgm
Mon May 20, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 7782

Re: Honda CRV or Toyota RAV4 ?

researcher wrote:
Thu May 16, 2019 8:03 am
Go with the Mazda CX-5 instead.
a frustrated friend once said if she marie-kondo-ed her life she would only be left w/ her new cx-5 and her baby son

:D
by dgm
Tue May 14, 2019 10:31 am
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 5277

Re: refusing inheritance

thanks to all for the thoughtful responses! re: the useage of the word "laziness" -- that is a poor choice of words on my part :oops: re: disclaiming and lifetime exemptions and annual gift exclusions -- as suspected, i see it is more complex than i thought. thanks for the various options and for po...
by dgm
Tue May 14, 2019 1:50 am
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 5277

Re: refusing inheritance

thank you. i believe there are no other next of kin so this may be the best option. will let him know
by dgm
Mon May 13, 2019 11:27 pm
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 5277

refusing inheritance

hi bogleheads here is a strange question a friend asked me that i didn't know the answer to 1. my friend's parents will leave an inheritance (well under any amount that would trigger estate tax issues) 2. parents wish to split it equally amongst their two kids. partly through laziness of not wanting...
by dgm
Wed Apr 10, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 6199

Re: Not much work at new megacorp job

this may be a golden opportunity in disguise. A very successful and young executive who was my senior who was widely considered the "golden boy" at my company for having shot up to the top of the organization had this advice: 60% of your time should be spent on your normal, assigned work 40% of your...
by dgm
Tue Apr 09, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: I-Bond or VFINX; best asset to sell for Solar investment?
Replies: 13
Views: 669

Re: I-Bond or VFINX; best asset to sell for Solar investment?

I might suggest a bit of each, so if anything happens in the market, good or bad, you can look on the positive side and be glad you didn't go 100% the wrong way. I think i'd do equal proportions to your asset allocation. So if you are 60/40 stocks to bonds, I'd use 60% VFINX funds, 40% ibond funds, ...
by dgm
Sun Apr 07, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Help me cross shop a new Nissan Maxima
Replies: 13
Views: 850

Re: Help me cross shop a new Nissan Maxima

I'd love to hear from any current model Maxima owners as well as those that cross shopped and ended up with something else. I inherited a mid 2000s nissan maxima and sold my older civic but my insightss may not apply since I tend to be a utility-only car owner. 1. the nissan maxima's turn radius is...
by dgm
Tue Apr 02, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 7438

Re: Boglehead teachers or those married to one: some questions about career and life...

For me, my wife sacrificed some fairly significant things early in our careers during a crucial time in my career. Now its my turn to support her career by taking up more of the burden at home/kids and we are prioritizing her career.
by dgm
Tue Mar 12, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Childhood dreams you can now fulfill but do not care to
Replies: 2
Views: 690

Childhood dreams you can now fulfill but do not care to

A fun thread: What are some dreams you had as a child that you thought you would fulfill once you were an adult? But have no desire to fulfill now that you are an adult? a few of mine: 1. swim in a pool full of fruit punch 2. eat a whole pack of watermelon flavored bubblicious bubble gum AT ONCE 3. ...
by dgm
Wed Mar 06, 2019 1:54 am
Forum: Personal Finance (Not Investing)
Topic: K-12 Financial Literacy
Replies: 19
Views: 1312

Re: K-12 Financial Literacy

I think math proficiency is an indispensable part of financial literacy. A surprisingly large number of adults are not very good at percentages, compounding and are not adept at doing addition, subtraction, division and multiplication on the fly (or even estimating). mortgages, credit card debt, fin...
by dgm
Thu Feb 14, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: A different kind of midlife crisis
Replies: 60
Views: 7435

Re: A different kind of midlife crisis

i made the transition. has it been more lucrative? so far better than corp for me, but i think it will end up to be on par with a very successful corporate climber. i have taken significantly more risk but also had much more freedom and lower hours worked. i have tons of friends for which entreprene...
by dgm
Thu Feb 07, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 11443

Money saving move you regret the most?

We have tons of threads on the best money saving tip but what about the thing you did to save some money that you sorely regret? I have many, but most notable for me is buying cheap Q-tips to save a few bucks. Every time I use my off brand Q-tips (multiple times a week) and the cotton unravels expos...
by dgm
Tue Feb 05, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 299111

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

:sharebeer to your endeavor and a thank you for allowing us to follow along. taking risk w/ 15% of your portfolio sounds large but manageable. i'd recommend maybe slightly less and a good plan on understanding margin calls and what your plan is for those, should the worst case happen. anecdotally i ...
by dgm
Wed Jan 30, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 11726

Re: Please share some lifestyle creep you regret.

staying on the expensive verizon plan that we switched to when we lived in a apartment w/ poor reception but never switched out afterwards because we were afraid of the experience not being as good (even though objectively our friends have no problems on cheaper networks) its been many many years an...
by dgm
Mon Jan 28, 2019 11:02 pm
Forum: Personal Investments
Topic: Currently at Personal Capital, need advice
Replies: 17
Views: 1591

Re: Currently at Personal Capital, need advice

The 79 bps for AUM fee is probably just the beginning as they probably have you in high ER actively managed funds. Also no mention of front end loads or commission structure. actually i think they are pretty good about minimizing the other fees...they just have that up front fee and thats mostly it...
by dgm
Fri Jan 18, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 100
Views: 14405

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

Granted, the above numbers are nominal, so the inflation-adjusted difference would be smaller than $8,659.80, but the point remains that the financial cost of the flexibility offered by this approach is not trivial. My personal opinion is that the better approach is to take out a 15 year mortgage a...
by dgm
Wed Jan 16, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57655

Re: RIP Jack Bogle

Another one of my heroes passes away.

Thank you John Bogle for the difference you made in this world.

If I can say that I made a small fraction of the difference you made when I die, I will consider my life a resounding success.
by dgm
Tue Jan 15, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: Real value of NYC real estate, 1899-1999.
Replies: 52
Views: 5248

Re: Real value of NYC real estate, 1899-1999.

I found this paper very interesting though I am not in a position to critique the authors' methodology, and I admit I did not try. https://economics.mit.edu/files/5887 They looked at the value of Manhattan commercial real estate , 1899-1999, and concluded: 1. In real terms there was no long term ap...
by dgm
Sat Dec 22, 2018 1:17 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10717

Re: When did the musicians on the titanic realize their fate?

What are the conditions where people on this site become concerned? I think it differs by personal circumstance. Obviously people have different tolerances based on personality but even the same person has different tolerances depending on their own situation. 1. where are you in your career? Just ...
by dgm
Tue Dec 18, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: Any advice for buying a used car?
Replies: 79
Views: 3914

Re: Any advice for buying a used car?

For cars with good reputations, like Toyota and Honda, a slightly used car will cost almost as much (and perhaps more) than a new one. If you want to get a meaningful discount for buying used, you need to look at makes/models that have much lower demand. Personally, I would suggest a new Toyota or ...
by dgm
Mon Dec 17, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5956

Re: Gift Ideas for wife

my wife gets whatever she wants and says "thanks for getting it for me!"
by dgm
Mon Dec 17, 2018 1:28 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21876

Re: Favorite Purchase of 2018?

solar panel installation on roof

pays for itself and its pretty cool watching how much its generating
by dgm
Mon Nov 19, 2018 8:14 pm
Forum: Personal Investments
Topic: 1-3 Year Investment Plan
Replies: 7
Views: 723

Re: 1-3 Year Investment Plan

You could do a 1 year treasury at Vanguard for 2.7% and you wont have to pay state taxes like you might with a CD. Can you elaborate? do you mean the vanguard treasury money market fund https://investor.vanguard.com/mutual-funds/profile/VUSXX or just straight up buying a 1 year t-bill? just curious...
by dgm
Fri Nov 09, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 11801

Re: Favorite "free stuff"?

I have 176 "free" books in my Kindle today. I delete them when I finish, or return them to the library, if borrowed through Overdrive or their app called Libby. Libby and Overdrive are awesome for checking out ebooks / audiobbooks from the library. You can do it from your sofa and it'll automatical...
by dgm
Tue Nov 06, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6550

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Tesla. S or 3 performance. Be sure to drive one before you settle for a bmw/audi, ;) That is all. i would second just test driving a tesla. everyone I have spoken to -- even non-electric car fans -- have told me it is an impressive experience. and this is coming from someone who thinks teslas are o...
by dgm
Thu Oct 11, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3816

Re: Budget Coffee

admittedly i am no connoisseur but i really like this one in an aeropress

https://www.traderjoes.com/digin/post/j ... und-coffee
3.99 i think for almost 1 lb
by dgm
Thu Oct 04, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Installation?
Replies: 19
Views: 1707

Re: Solar Panel Installation?

- If you don't plan on an electric car in the immediate future I wouldn't add the extra capacity now. I'd install the current panels with the intention of adding more capacity later (keep room available on the roof). Panels will get better/cheaper so I don't think getting the extra now is worth it. ...
by dgm
Wed Oct 03, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Installation?
Replies: 19
Views: 1707

Re: Solar Panel Installation?

Advice needed. We live in Northern California (greater Sacramento area) with great sun exposure and lots of AC usage. We purchased a new high-end HVAC system in May that did an excellent job this summer. The previous 12 months energy usage was only 5,050kwh for a 2,300 sq. ft. house. With the big H...
by dgm
Thu Sep 27, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4854

Re: Anyone ever tired of managing hair and consider shaving to go bald

Has anyone else tried it, and if so, how did you navigate the social and professional settings. Do it! I shaved my head for a period (not completely -- just really short). I jokingly used to say that was my best investment ever. $15 clippers saved many many times that cost of going to the barbershop.
by dgm
Tue Sep 25, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2677

Re: Flu shot reaction? Getting flu shot this year?

Rupert wrote:
Tue Sep 25, 2018 10:32 am
But that makes herd immunity all the more important for you, doesn't it? You should be encouraging the rest of us to get our shots.
Great point! :D :D
by dgm
Tue Sep 11, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 5193

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

For me it comes down to this: Do I trust a for profit corporation to look after my interests better? Or do I trust a fundholder owned corporation to look after my interests better? TIme and again, I have chosen a company because it "looked like a better deal no matter how you slice it" only to find ...
by dgm
Thu Aug 30, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 13310

Re: Mega Downsize....

I recommend Marie Kondo's The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing While there are lots of tips and tricks, I think an important part of it is getting out of the "collecting/gathering/keeping" mindset. She has a system and method of thought that makes se...
by dgm
Fri Aug 24, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 24
Views: 8009

Re: Best way to get Skype or Facetime on a TV?

What's worked pretty well for us is an ipad. its portable enough that the screen can be adjusted while they are running around but also its big enough that they aren't just carrying it everywhere by themselves. The key is to get a good case for your needs. It will need to be able to tolerate a wide ...
by dgm
Fri Aug 17, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Financially Wise to Help Adult Child Buy Larger House
Replies: 18
Views: 2315

Re: Financially Wise to Help Adult Child Buy Larger House

for less than that amount of money for the extra bedroom you could consider just putting yourselves up in a very nice hotel when you go to visit. often a 'spare bedroom' is often overvalued compared to how often it is used. the risk of helping them get a bigger house is higher mortgage payments, hig...
by dgm
Tue Aug 07, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14344

Re: Is solar power for your home a worthwhile investment?

Did it early this year. Totally worth it for us w/ federal and city incentives. 7 yr payback assuming no increase in electricity prices (doubtful) Plus they keep the house a bit cooler during the hot summer months by preventing the sunlight beating down on my roof directly. I love watching the syste...
by dgm
Sun Jul 29, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Buying a senior apartment with lots of unwanted upgrades
Replies: 15
Views: 1871

Re: Buying a senior apartment with lots of unwanted upgrades

Most upgrades don't make their money back so this is not unheard of. It sounds reasonable to me. As she got to you at #29, clearly she is comfortable saying no if she doesn't like the price so I would just make the offer you are comfortable making and not worry too much about providing an insulting ...