Search found 6314 matches

by Alex Frakt
Tue Jul 14, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Home Purchase Advice
Replies: 6
Views: 856

Re: New Home Purchase Advice

A quick read leaves me with a couple of thoughts. Moving to a better neighborhood sounds like a good idea, but the upgrade seems excessive. I'd rather have a smaller home or lot and a greater financial cushion. If everything works out as you expect, you can always trade up in your new neighborhood.
by Alex Frakt
Thu Jun 04, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Having an agreement with your children?
Replies: 28
Views: 1777

Re: Having an agreement with your children?

Locked. "Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed." This thread illustrates why we enacted this policy. Without a real life example for posters to respond to, threads...
by Alex Frakt
Thu Jun 04, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: The payoff for prestigious degree is smaller than you think
Replies: 14
Views: 1439

Re: The payoff for prestigious degree is smaller than you think

Locked. General comment threads are of topic.
Forum Policies wrote: Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed.
by Alex Frakt
Wed Jun 03, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to the US - Social Security
Replies: 22
Views: 2011

Re: Moving to the US - Social Security

A note on the immigration aspects of this (I manage my wife's immigration law firm). Obtaining US Permanent Resident status (a "Green Card") is straightforward for some situations, for example parents of financially able adult US citizens. However, maintaining that status requires an intent to resid...
by Alex Frakt
Tue Jun 02, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Net Worth by Education Level
Replies: 3
Views: 856

Re: Net Worth by Education Level

Locked. Not investing.
by Alex Frakt
Tue Jun 02, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to the US - Social Security
Replies: 22
Views: 2011

Re: Moving to the US - Social Security

And I further removed the OT political policy assertion in the original post, along with equally OT responses.

Please keep responses to technical discussion of payouts in this situation.
by Alex Frakt
Tue Jun 02, 2020 2:35 am
Forum: Personal Consumer Issues
Topic: Non Fiction books for teenagers
Replies: 52
Views: 2644

Re: Non Fiction books for teenagers

I was reading several books a week at that age, but almost none of it was non-fiction. How about some fiction which used real events as a backdrop? A couple of my favorite non-SF books from that age were Richard McKenna's "The Sand Pebbles" and Burdick and Lederer's "The Ugly American". The hero in ...
by Alex Frakt
Tue Jun 02, 2020 1:36 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2729

Re: Furniture for an infant in the living room

Gardener wrote: Mon Jun 01, 2020 9:28 pmCosleeping has it's own pitfalls. Hows mom and dad supposed to have any intimacy?

Romance made the baby and baby kills the romance..
There are other rooms in the house.
by Alex Frakt
Thu May 21, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Email for young teen with ability to auto delete nasty spam
Replies: 32
Views: 2346

Re: Email for young teen with ability to auto delete nasty spam

From Lifehacker Send spam to trash. Instead of having Gmail-filtered spam go into your Spam folder (and have the annoying count of unread spam by the folder’s name), set up a filter with “is:spam” in the “has the words” field (just click “OK” on Gmail’s warning dialog box when you click next step) a...
by Alex Frakt
Thu May 21, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2729

Re: Furniture for an infant in the living room

I'm a strong proponent of cosleeping and a mild one of babywearing (if you are outside for hours at a time in most climates, a stroller is a must) but OPs question was about working in the kitchen. I'll repeat, for pre-crawling babies a portable bassinet on the kitchen counter works great. Protected...
by Alex Frakt
Wed May 20, 2020 11:09 pm
Forum: Forum Issues and Administration
Topic: Support the site through Amazon?
Replies: 23
Views: 1965

Re: Support the site through Amazon?

... 2.) No. When you enter there will be a tag= query string parameter with the bogleheads affiliate code. That's how Amazon knows the referer. But the site won't change in any way and the qs parameter doesn't seem to be persisted across page requests. If you enter on one of our links, anything you...
by Alex Frakt
Wed May 20, 2020 8:30 pm
Forum: Forum Issues and Administration
Topic: Support the site through Amazon?
Replies: 23
Views: 1965

Re: Support the site through Amazon?

1. I have asked this same question here and in other places. I can't seem to get an answer. 2. The way this works is once you click the link, your session is associated with BH for a certain time frame. I think I've read 2 hours, don't hold me to that. There isn't a way to confirm this. But anythin...
by Alex Frakt
Wed May 20, 2020 7:57 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1543

Re: Support the site through Brave Browser?

I set it up. It wasn't much trouble and does not require us to put trackers or anything else on our pages (which was my concern). So now we have 99.34 BAT in our account which is apparently worth around $20. But BAT is a cryptocurrency and the only way to redeem it is to create an account on cryptoc...
by Alex Frakt
Wed May 20, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2729

Re: Furniture for an infant in the living room

A bassinet at first or just a baby blanket on the floor (or on a changing mat if the floor is too hard). If you are getting a stroller like an Uppababy Vista, the bassinet that comes with it is perfect. Or just use the stroller. Removable infant car seats are good too. When he or she starts crawling...
by Alex Frakt
Wed May 20, 2020 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Strategies for People Temporarily Drawing Unemployment
Replies: 15
Views: 1562

Re: Any resources on Reduction in Force procedures for Federal Employees?

Oh Im a Fed and well aware of the appropriations cycle and shutdowns. But I've never heard of an agency running out of cash for payroll before the end of an appropriation and then threatening RIFs? That's very different from the possibility of a lapse in appropriations. There have been a couple of ...
by Alex Frakt
Tue May 19, 2020 9:05 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2735
Views: 202144

Re: Small Cap Value heads Rejoice !!!

Thread is open again.

Please remember that any well-reasoned opinion is welcome here. If you disagree with that opinion, go ahead and explain why you think it is incorrect. But attacking the author of that opinion is never acceptable.
by Alex Frakt
Tue May 19, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 7054

Re: Discarding Music CDs

:x I have some 600+ CD's ripped onto my computer. I discarded the jewel cases and liners and put the CD's themselves in archival sleeves and stacked in two shoe boxes. Since they barely take up much room at this point, I'm hanging onto them just in case one of my kids would like to have them someday...
by Alex Frakt
Tue May 19, 2020 12:40 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2735
Views: 202144

Re: Small Cap Value heads Rejoice !!!

Thread locked for moderator review. Several posts have been removed for violating the following forum policy: At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not ...
by Alex Frakt
Fri May 15, 2020 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 8127

Re: Should you include home equity in Net Worth?

I locked the topic. It's going nowhere and there have been multiple violations of our requirement that "At all times we must conduct ourselves in a respectful manner to other posters." The primary instigator has been warned. I'm going to throw in a parting shot though. Of course your home equity is...
by Alex Frakt
Fri May 15, 2020 1:30 am
Forum: Investing - Theory, News & General
Topic: Fidelity fund proposals vote June 2020
Replies: 4
Views: 3826

Re: Fidelity fund proposals vote June 2020

I am reopening this previously locked topic. Please keep the discussion to the specific proposals. And remember our guiding principle:
We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones.
by Alex Frakt
Fri May 08, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2511

Re: Audi A8 or keep looking?

Anything will feel sporty compared to a 2007 F150 :-) Sticking with your 20k budget and avoiding makes with high repair and maintenance costs, I suggest... For a large, comfortable used sedan, I'd look at a 4th generation Toyota Avalon. 2015+ had a mild facelift and fewer engine problems than '13 an...
by Alex Frakt
Fri May 08, 2020 3:31 pm
Forum: US Chapters
Topic: 75th Anniversay of VE Day - Thank you Taylor and others
Replies: 11
Views: 1230

75th Anniversay of VE Day - Thank you Taylor and others

While Covid-19 has muted the public celebrations, we can all still take a private moment to remember the efforts of those who made the Allies victory in Europe three quarters of a century ago possible. I'm not sure how many of our members made an active contribution to that effort at home or abroad,...
by Alex Frakt
Fri May 08, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 3208

Re: IE, Chrome or Firefox, that is the question.

I use both.

Firefox for my regular browsing. I use an ad-blocker (uBlock Origin) and other privacy tools and never sign in to Google accounts on it.

Chrome is for my Gmail account and any sites that I have to get to that don't work in my locked down version of Firefox.
by Alex Frakt
Thu May 07, 2020 2:36 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55356

Re: How Is Your Job Being Impacted By The Current Crisis?

Moved to Bogleheads Community forum. It's non-actionable and thus does not belong in any of the Personal forums.
by Alex Frakt
Thu May 07, 2020 2:32 am
Forum: Personal Investments
Topic: Just starting out - Help with filling out Portfolio please
Replies: 4
Views: 463

Re: Just starting out - Help with filling out Portfolio please

The expected return is higher. That expectation doesn't always get met. But OK, let's go with stocks. The first thing you need to do is figure out the overall allocation you want. Once you do that, you figure out what goes where. For a taxable account you really want tax efficient funds you can live...
by Alex Frakt
Thu May 07, 2020 1:16 am
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

BTW, I descale when needed by mixing 2 tablespoons of food grade citric acid powder with the water and then running the normal descaling procedure. It's a lot cheaper and more convenient than ordering Saeco commercial descaler. The active ingredients on the commercial descaling fluid are citric and ...
by Alex Frakt
Wed May 06, 2020 2:07 pm
Forum: Personal Investments
Topic: Just starting out - Help with filling out Portfolio please
Replies: 4
Views: 463

Re: Just starting out - Help with filling out Portfolio please

I would consider using the additional savings to prepay your mortgage loan. This will guarantee a higher return than anything in the bond market right now. Or split it between Total Stock and prepaying the loan if you want to build up your taxable investment account. If you do this, you will eventua...
by Alex Frakt
Wed May 06, 2020 1:29 am
Forum: Investing - Theory, News & General
Topic: ‘Friends of Jack’ to discuss Bogle’s legacy-Tuesday 5/5
Replies: 15
Views: 1496

Re: ‘Friends of Jack’ to discuss Bogle’s legacy-Tuesday 5/5

The 'Friends of Jack' were kind enough to permit me to participate in the live webinar this afternoon, "Remembering Jack Bogle: A Life-and-Legacy Tribute". The event organizers recorded the webinar and have graciously agreed that on Friday, May 8 (what would have been Jack's 91st birthday) I may sh...
by Alex Frakt
Tue May 05, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: Why doesn’t Jim Cramer start a fund?
Replies: 26
Views: 3347

Re: Why doesn’t Jim Cramer start a fund?

You would think his followers would be better off holding his fund than trying to pick stocks, I’m sure he could profit from the fee/ ER ratio. The short answer is that he can't legally* be an investment manager and have an investment show at the same time. The fact that he has selected a career as...
by Alex Frakt
Tue May 05, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 462
Views: 82501

Re: Good Modern Science Fiction

...I'm finding that many books mentioned in this thread are not in the Kindle Unlimited program. The first book, Date Night on Union Station , is a fun read. Some of the reviews have compared it to The Hitchhiker's Guide to the Galaxy . Not as good, but close enough. I would agree. Kindle Unlimited...
by Alex Frakt
Mon May 04, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

Peet's Nespresso pods contain 7 grams of coffee. At $40 for 80 pods, you are paying over $32 a pound for coffee. Well, $10 a pound for coffee (the price for Peet's beans at Costco) and $22 for ??? A heresyyo Bogleheads may be that noy everything is measured by money. Guarantee my nesspresso pods an...
by Alex Frakt
Mon May 04, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

Peet's Nespresso pods contain 7 grams of coffee. At $40 for 80 pods, you are paying over $32 a pound for coffee.

Well, $10 a pound for coffee (the price for Peet's beans at Costco) and $22 for ???
by Alex Frakt
Mon May 04, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Car rolled backwards in drive. Operator error
Replies: 23
Views: 2638

Re: Car roll-backwards in drive.

On an incline, it is better to press your foot on the main brakes, place the transmission into Park, slowly release the main brakes to allow the pawl to engage and then apply the emergency brake. That's backwards. While on the brakes, shift into Park, engage the parking brake, then step off the pri...
by Alex Frakt
Mon May 04, 2020 2:27 pm
Forum: Personal Investments
Topic: What would you invest 50K in?
Replies: 25
Views: 2563

Re: What would you invest 50K in?

Well I wasn't worried about you until you said that :shock: OP if you tell us where you live perhaps we can connect you to a Boglehead in-person meeting in your area. Those people are online, but presumably they wouldn't be online while at the meeting. Except maybe a quick check on their phones. A ...
by Alex Frakt
Mon May 04, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

But first, do you want to make milk based espresso drinks or not? If not, there are better options than what you're looking at. The Flair and Cafelat Robot will produce better shots, last forever (well, at least the Robot), require virtually no maintenance, be easier to clean up, and cost less. How...
by Alex Frakt
Mon May 04, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9780

Re: Amazon Prime Membership Question

Please keep this on the topic.

That was whether Amazon Prime membership is worth the price. Not the part with coronavirus and beaches.
by Alex Frakt
Mon May 04, 2020 12:59 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 13110

Re: What explains the continued rise in equities?

Locked. Since this devolved into a COVID-19 thread, I guess the original topic has been exhausted.
by Alex Frakt
Mon May 04, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

Much bigger than the pixie too. For those with a small kitchen.
True. The heights are the same, but my Syntia is 10" wide x 16.5" deep versus 4.4" x 9.3" for the Pixie.
by Alex Frakt
Mon May 04, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Where does the child-care $$$ go?
Replies: 3
Views: 563

Re: Where does the child-care $$$ go?

Locked. Threads on the Personal Investments, Personal Finance and Personal Consumer Issues subforums must meet the following requirements: they must be personal, i.e., you must be asking about your own situation or on behalf of someone specific, such as a family member; and they must be actionable,...
by Alex Frakt
Mon May 04, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: [Use basement air to cool 2nd floor?]
Replies: 18
Views: 1284

Re: [Use basement air to cool 2nd floor?]

Maybe try a spot experiment by putting a large fan at the top of the basement stairs and letting it run for a couple hours and see if it changes the temp upstairs significantly? I doubt this will do anything. The air that the fan is moving had to be replaced. Most likely it will be replaced by the ...
by Alex Frakt
Mon May 04, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

If you don’t want to do the grinds and what-not yourself, I’ve been happy with a Nespresso Machine. It uses pods, which a no-no for some people, but it’s worked well for me for 3.5 years. I strongly recommend a superautomatic over a Nespresso. They are both a one button operation, but a espresso ma...
by Alex Frakt
Mon May 04, 2020 3:35 am
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3186

Re: Considering getting an espresso maker - thoughts?

My wife and I love our Saeco Syntia superautomatic. We bought it in December 2014 as a $499 refurb from seattlecoffeegear.com. We've made well over 4000 espressos/lungos with it. The pump died about a year ago which cost me $200 to get fixed (the pump itself was something like $50, but removing and ...
by Alex Frakt
Sat May 02, 2020 3:29 am
Forum: Investing - Theory, News & General
Topic: There's a first time for everything [Elon Musk says share price too high]
Replies: 15
Views: 2062

Re: There's a first time for everything [Elon Musk says share price too high]

Locked. The investing news part of this is fine, but that's not what people are posting about. From the forum policies: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: - US or world econo...
by Alex Frakt
Sat May 02, 2020 2:55 am
Forum: Investing - Theory, News & General
Topic: When is past information useful?
Replies: 21
Views: 1272

Re: When is past information useful?

People don't need to understand higher math to understand that 100 bushels of wheat next year is worth less than a hundred bushels of wheat today. It's no different from the Dutch creating and selling options 400 years before Black-Scholes. Take a look at A Short History of Derivative Security Marke...
by Alex Frakt
Fri May 01, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: Nassim Taleb-Advised Universa Tail Fund Returned 3,600% in March
Replies: 66
Views: 6774

Re: Nassim Taleb-Advised Universa Tail Fund Returned 3,600% in March

How did Empirica Capital LLC perform in March? Exactly. Taleb's first hedge fund to use his black swan tail theories, Empirica Kurtosis LLC, was shut down in 2004 after years of poor returns, including outright losses in 2001 and 2002. I actually do think he's identified potentially exploitable beh...
by Alex Frakt
Fri May 01, 2020 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 34675

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I got my loan today! It was originally submitted through PayPal on Monday. Approval letter came from PayPal at 4pm today (Thursday) and funds are already in my bank account. PayPal works with WebBank out of Utah to process the loans. They have just under a billion in assets. I think I was one of th...
by Alex Frakt
Fri May 01, 2020 12:19 am
Forum: Personal Consumer Issues
Topic: [interested in purchasing] Berkshire Hathaway annual meeting swag
Replies: 5
Views: 854

Re: Berkshire Hathaway annual meeting swag

Thread moved as this appears to primarily be a consumer question.
by Alex Frakt
Thu Apr 30, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 34675

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I got my loan today! It was originally submitted through PayPal on Monday. Approval letter came from PayPal at 4pm today (Thursday) and funds are already in my bank account. PayPal works with WebBank out of Utah to process the loans. They have just under a billion in assets. I think I was one of the...
by Alex Frakt
Wed Apr 29, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: When is past information useful?
Replies: 21
Views: 1272

Re: When is past information useful?

:D That's all really interesting (albeit I've read it before), but it only shows that people had contracts and debt (or "money") thousands of years ago. Where's the bit about Mesopotamian discounted cash flow models, or about how people valued equity shares in limited companies (which of course did...
by Alex Frakt
Wed Apr 29, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: Does an active fund return converge to the market return?
Replies: 31
Views: 1156

Re: Does an active fund return converge to the market return?

Thank you all for your comments. I'm sort of inclined now to believe that an active fund's return will indeed converge on the market (will converge in distribution), but I'm having trouble reconciling that idea with the fact that the randomly selected sample of 100 stocks can lose all its value (ov...