Search found 504 matches

by bluto
Tue Nov 15, 2011 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stock idea for 4th grade class...
Replies: 31
Views: 1432

Stock idea for 4th grade class...

My sister, a teacher of 4th graders, is helping her kids compete against other schools for a chance to have lunch with Warren Buffett. They have one month to beat the competition investing in individual stocks or funds. I don't follow individual stocks, but suggested she consider a balanced or bond ...
by bluto
Mon Nov 07, 2011 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping store receipts - an addiction?
Replies: 23
Views: 1829

Re: Keeping store receipts - an addiction?

I just ended a 3.5 month dispute with Sprint because I had receipts. I cancelled a contract within the trial period (because of reception issues) and returned the equipment. Thank god I kept all receipts. I battled with their customer service for hours because they said I hadn't returned/cancelled. ...
by bluto
Wed Aug 03, 2011 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing my REAL FICO Score
Replies: 12
Views: 2420

I checked on Friday last week using myfico. Then this past Monday, a lender ran my credit and said it was 16 points higher than any of the three agencies listed through myfico. Great, but I guess myfico isn't exact?
by bluto
Mon Jun 13, 2011 7:42 pm
Forum: Personal Consumer Issues
Topic: What's the most you ever paid for a coach airline ticket?
Replies: 44
Views: 3598

That is an amazing price. Last week, I had to make a same day emergency reservation at 12:15pm for a 9pm flight from South America to a midsized US city and it only cost me $1,415. That is similar to what I would have paid had I bought the ticket three months beforehand. The airline didn't gouge me,...
by bluto
Mon Jun 13, 2011 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Can this credit mistake be fixed?
Replies: 9
Views: 1058

Ah, credit scores. Where one $84 disputed bill can drag down your scores as much as walking away from a mortgage. But I digress... Yes, frustrating. I'm financially bogle-riffic and an $84 bill sinks me... DO NOT pay the collection immediately. I didn't. I called the collectors and explained. They ...
by bluto
Mon Jun 13, 2011 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Can this credit mistake be fixed?
Replies: 9
Views: 1058

Can this credit mistake be fixed?

Today, while looking through mail that gathered during a long trip, I saw that my credit score had dropped by ~100 points. I've had excellent credit forever, in the next 2 - 4 months I'll be looking for a mortgage, and possibly borrowing for a car. It turns out that a bill was never paid by my forme...
by bluto
Sun Jun 12, 2011 9:00 pm
Forum: Personal Consumer Issues
Topic: munchkin man [online SAT tutoring]
Replies: 4
Views: 1844

Try Khan Academy. Your son can watch video lessons at his own pace.

http://www.khanacademy.org/
by bluto
Mon Jun 06, 2011 5:43 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 16146

From my experience, online for-profit degrees are great if all you need is a rubber-stamped credential. If you actually need to learn a new field or skill, look elsewhere. I imagine there are good online degrees out there, but not at the for profit places.
by bluto
Tue May 31, 2011 5:06 am
Forum: Investing - Theory, News & General
Topic: Fairholme now performing poorly experiencing outflows
Replies: 39
Views: 7396

Re: Fairholme now performing poorly experiencing outflows

Yet another real world example of the difficulties in outperforming long term. No, this is an example of a fund having difficulties in the SHORT term. Take a look at Fairholme's performance over the last decade; it's too early to declare it a long term loser. Though with what Fairholme owns, I'd be...
by bluto
Sat May 28, 2011 3:41 pm
Forum: Investing - Theory, News & General
Topic: Should gut feelings be listened to?
Replies: 56
Views: 4870

I find Americans in particular - though probably any folks to some extent or another - have a real problem with home country bias. Americans do, and so do other nationals. And my gut tells me that home country bias is only going to grow overseas as financial and legal systems mature, and more of th...
by bluto
Sat May 28, 2011 10:20 am
Forum: Investing - Theory, News & General
Topic: Should gut feelings be listened to?
Replies: 56
Views: 4870

deleted
by bluto
Sat May 28, 2011 9:29 am
Forum: Investing - Theory, News & General
Topic: Should gut feelings be listened to?
Replies: 56
Views: 4870

Have you gone with your gut before, and if so how did that turn out? You may have good instinctual intelligence, better than others, or worse. I bet a lot of successful entrepreneurs rely on their gut, along with much hard work. There are things that just can't be known, and then you use your instin...
by bluto
Tue May 24, 2011 5:30 pm
Forum: Personal Consumer Issues
Topic: In total, how many days do you spend on vacation?
Replies: 19
Views: 2546

I suggest you change the title to 'traveling holidays' or something of the sort. Vacation to me means week days I'm not working, though getting paid. As in, "I negotiated an additional week of vacation".
by bluto
Tue May 24, 2011 5:12 pm
Forum: Personal Consumer Issues
Topic: Travelling and Vacation Tips: What places are worth seeing?
Replies: 39
Views: 4496

Re: Travelling and Vacation Tips: What places are worth seei

My budget for the trip will be around $10k and I will have about 2-3 weeks time for the vacation. SE Asia. Agree - backpacking around Southeast Asia for 3 weeks would be my #1 choice - some combination of Thailand, Cambodia, Vietnam, Malaysia, Singapore. If you had more time, I would add Australia ...
by bluto
Tue May 24, 2011 4:01 pm
Forum: Personal Consumer Issues
Topic: Travelling and Vacation Tips: What places are worth seeing?
Replies: 39
Views: 4496

If you are young and have the money, go overseas first. Another reason to prioritize overseas travel is things are changing so fast. The best part of traveling abroad for me is the ability to go back in time and rub shoulders with cultures vastly different from my own. Modernization is great, but it...
by bluto
Thu May 19, 2011 5:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Hamburgers: Wendy's vs McDonalds
Replies: 107
Views: 11030

KyleAAA wrote:Both McDonalds and Wendy's are nasty
Agreed, but on rare occasions when I really do need the convenience, I'll choose Burger King over the others.

This usually means I'm eating in the car, but every now and then I like to go inside to people watch.
by bluto
Tue May 17, 2011 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Move To South America?
Replies: 78
Views: 5971

Study a language and make yourself globally competitive and you'll find work and be able to avoid poverty nearly anywhere. Your willingness to go overseas for work, and your ambition will help you to succeed. Though I think some 'round here don't have much of a clue about life overseas, I do think ...
by bluto
Tue May 17, 2011 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Move To South America?
Replies: 78
Views: 5971

abuss368 wrote:As the old saying says "Love it or leave it".
Indeed, being a true patriot means more closed-minded thinking just like this. The OP has legit concerns and expressing them takes courage.
by bluto
Tue May 17, 2011 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Move To South America?
Replies: 78
Views: 5971

Study a language and make yourself globally competitive and you'll find work and be able to avoid poverty nearly anywhere. Your willingness to go overseas for work, and your ambition will help you to succeed. Though I think some 'round here don't have much of a clue about life overseas, I do think y...
by bluto
Thu May 12, 2011 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Advice on how to find work/career abroad?
Replies: 13
Views: 2346

I'm not sure you could count on being offered a position overseas at a corporate position. The company may, or may not ask you to take one of their overseas positions. This seems to be the case with the international biz staff I know. If you intend to pursue any opportunity to go abroad, you should ...
by bluto
Sun May 08, 2011 8:11 pm
Forum: Personal Consumer Issues
Topic: Do you drink Vodka martini's?
Replies: 35
Views: 4862

I prefer a gin martini, dry as a desert. If you must shake or stir in ice, I'll be disappointed. This means I can't get a good martini in most restaurants. I feel like Hawkeye Pierce asking for dry, dry, dry, only to be disappointed...
by bluto
Sun May 08, 2011 8:53 am
Forum: Personal Consumer Issues
Topic: First smoked butt [pork shoulder]
Replies: 33
Views: 4214

lmpmd wrote:Pigs are smarter than dogs.
Pigs taste much better than dogs. :D
by bluto
Mon May 02, 2011 3:33 pm
Forum: Personal Consumer Issues
Topic: Props to the Toyota Landcruiser - quick review
Replies: 17
Views: 2948

Interesting story, but could you have done the same thing with some other car? I've driven some pretty rough roads in a rented Suzuki economy car. I thought I would shake the thing apart, but it survived. No, a passenger car, or unibody SUV would not last long where we went. I grew up driving a tru...
by bluto
Sun May 01, 2011 6:17 pm
Forum: Personal Consumer Issues
Topic: Props to the Toyota Landcruiser - quick review
Replies: 17
Views: 2948

Props to the Toyota Landcruiser - quick review

"In some parts of the world, it's an essential" - Toyota I recently spend three weeks traveling in our rented Landcruiser through Bolivia and felt compelled to share a review - of the car and the country. Without boring you with a long story, I'll just report that I drove through mud bod, forded riv...
by bluto
Sat Apr 30, 2011 4:02 am
Forum: Personal Consumer Issues
Topic: Tempur-Pedic Mattress, is it worth it?
Replies: 41
Views: 11706

How about preferred sleeping position? Maybe the tempurpedic is equally well suited for back, side and stomach sleepers. And maybe not?

Could people share their preferred sleeping position along with their review?
by bluto
Wed Apr 27, 2011 6:07 pm
Forum: Investing - Theory, News & General
Topic: Debating Mr. Bogle
Replies: 37
Views: 3712

Op Process - ah yes, that was what larry said. I had home-country bias. Is there a pill for it? I worked for the gov most of my career. I needed a clearance. Part of this procedure is an interview with a pair of FBI agents. One asked me straight out, "Do you love your country?". I had to be able to...
by bluto
Mon Apr 25, 2011 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: I'm smarter than an 19 YO?
Replies: 12
Views: 2095

Yes, but the teen student knew enough not to share his provocative political ideas on an investment forum that is successful in part because politics are banned.
by bluto
Sun Apr 24, 2011 5:27 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Jetta Sportwagon TDI (Diesel)
Replies: 102
Views: 26574

Reviews for the late 2000s TDI at Edmunds.com are enough to scare me away - way too many problems with the fuel systems failing to be replaced for ~ $10,000. Too bad; I've owned a Jetta TDI and loved driving it, though I did have a few smaller problems with it in the third year and learned from the ...
by bluto
Sun Apr 03, 2011 4:01 pm
Forum: Personal Consumer Issues
Topic: Favorite cheap, easy, quick at-home meal
Replies: 99
Views: 15266

Steam/Saute five or six vegetables of your choice, a can of chic peas and/or black beans. Add chicken breast and tomato sauce, spices to your taste. A grain can add nice texture, and provide a little more carbs. I also add egg whites to the whole thing as it simmers. This is breakfast for a week. I ...
by bluto
Sun Apr 03, 2011 5:52 am
Forum: Personal Consumer Issues
Topic: Which car would you consider?
Replies: 20
Views: 2829

Toyota or Honda cars. My 99 camry drives better than most brand new American-engineered crap you see driving around. There's a reason why American car commercials are always saying they are better than Toyota or Honda. They know they aren't but they know most Americans are stupid enough to eventual...
by bluto
Sun Apr 03, 2011 5:45 am
Forum: Personal Consumer Issues
Topic: Which car would you consider?
Replies: 20
Views: 2829

For the criteria you list, I would consider the following: Toyota Corolla Nissan Altima Nissan Sentra Honda Civic Hyundai Sonata Good luck! Good list. I'm researching each of these. Used, of course. With all of that said, I'd definitely recommend the Yaris. It's a great little commute car and has g...
by bluto
Sat Apr 02, 2011 6:21 pm
Forum: Personal Consumer Issues
Topic: Which car would you consider?
Replies: 20
Views: 2829

Just in case you haven't noticed the Japanese nuclear problem has interrupted parts flows. Combine that with higher oil prices and car prices, especially on hybrids, have gone up. Used car prices went up with them. Paul I'm aware the catastrophe in Japan will impact a number of industries. The timi...
by bluto
Sat Apr 02, 2011 3:25 pm
Forum: Personal Consumer Issues
Topic: Which car would you consider?
Replies: 20
Views: 2829

Which car would you consider?

I'm preparing to purchase a car, for commuting, in June. I'll pay cash and anticipate buying used. I have not owed a car in 8 years, and have driven rentals or borrowed from friends/family, so I'm not up to speed with current models. I can't test drive anything from my perch overseas. I'd like to na...
by bluto
Sat Apr 02, 2011 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I still bother with Fidelity?
Replies: 13
Views: 3028

I would check to see what the minimum is for the Spartan funds if you have automatic account builder. You can also use EFTs - very similar to mutual funds. I use Vanguard ETFs at my Fidelity account. It costs me $7.95 per transaction. If you prefer the Vanguard website, then move everything there. I...
by bluto
Wed Mar 30, 2011 4:55 pm
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 39103

Glad that I asked for an explanation.

Great read. Thanks.
by bluto
Mon Mar 28, 2011 6:18 pm
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 39103

Your current personal trainer does not fully understand anatomy, physiology, or kinesiology, which is frightening but not all that uncommon. First off, you should understand that sit-ups exercise the hip flexors, not just the abdominals. The first part of the motion utilizes abdominals (obliques/re...
by bluto
Sun Mar 27, 2011 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Ex Pat Advice
Replies: 12
Views: 1837

Re: Ex Pat Advice

Jtguido wrote:Hello, can anyone provide advice on investing as an expat. Landed an overseas role and would like to know if others have any experience with investing.
You'll receive helpful guidance, if you explain your situation.
by bluto
Sun Mar 27, 2011 5:58 am
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 39103

Thank you Somanaut for sharing your knowledge. I came to bogleheads years ago to learn more about investing, I've continued to come back because I learn a lot from knowledgeable people like you about topics that are unrelated to investing. Now a plea for more! Sit-ups are NOT a core exercise, by the...
by bluto
Sat Mar 26, 2011 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Repatriating: How to maximize exclusion of foreign income
Replies: 2
Views: 626

Repatriating: How to maximize exclusion of foreign income

I'm returning to the USA after years working overseas in two different countries. I have residency in the country I live and believe I pass the bone fide residency requirements. I spent an entire tax year here, except for some travel. In May, I'll return to the USA. As I understand it, I'll be able ...
by bluto
Sat Mar 26, 2011 7:47 am
Forum: Investing - Theory, News & General
Topic: Why Japan equities have underperformed for the past decade?
Replies: 47
Views: 5600

The simple answer, I suppose, is that, except in extreme situations, share prices in any equity market go up if and only if there is demand for shares. That is, they have little or nothing to do with the performance of the underlying companies, or even the economy as a whole, but just demand. And i...
by bluto
Wed Mar 23, 2011 5:11 pm
Forum: Personal Consumer Issues
Topic: Wish me luck, I'm going to get a tattoo of Mr. Bogle
Replies: 26
Views: 3824

Whew. Glad to hear it.

I thought you were serious. I have two friends with tattoos and feel they will REALLY regret it some day. The more unfortunate fella has a "tramp-stamp" on his lower back.

Therefore, I'm prepared to believe just about anything when it comes to tats.
by bluto
Wed Mar 23, 2011 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fairholme's newest fund (Fairholme Focused Fund)
Replies: 6
Views: 1423

I've owned FAIRX for years, and been happy with it. It's my sole actively managed fund. I'm not pleased by the current allocation, especially AIG (when I last checked), but have not sold it yet.

Maybe those indexers are right about that active management...
by bluto
Wed Mar 23, 2011 5:00 pm
Forum: Personal Consumer Issues
Topic: Wish me luck, I'm going to get a tattoo of Mr. Bogle
Replies: 26
Views: 3824

I bet Buffet would tell you to skip the tattoo and invest the money. By the time you are 60 you'll have a few thousands $$ more, and the relief that you didn't have to spend adulthood with a tattoo of two old men.
by bluto
Mon Mar 21, 2011 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Not financing a car - Is it only me?
Replies: 100
Views: 13245

Nispirius, I expected to see your rock-o-debt on this thread! :D I don't know what sort of "low interest rate environment" you live in, but car loans aren't free. Well, I've purchased one car when I graduated from college, and at the time no-interst and low interest loans were everywhere. I borrowed...
by bluto
Sun Mar 20, 2011 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Not financing a car - Is it only me?
Replies: 100
Views: 13245

Re: Not financing a car - Is it only me?

I'm retired early and financially independent. A large part of being able to do this was not having the constant drain of a car payment for the last 40 years. Besides the psychological factor of not having debt, in a low interest rate environment I don't understand how paying cash for a car would m...
by bluto
Tue Mar 15, 2011 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Japan - really bad day in stock market
Replies: 76
Views: 10599

Apparently, some investors have never heard of one of the longstanding rules followed by successful traders: "Never try to catch a falling knife" Good luck. It takes all types and I still am a heavy indexer but its hard to pass up good opportunities. Sure it might drop more but I am fine with that....
by bluto
Tue Mar 15, 2011 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Japan - really bad day in stock market
Replies: 76
Views: 10599

Morgan wrote:
natureexplorer wrote:It's been a bad 22 years for the Japanese stock market.
That's what most of us are thinking. Hence the thoughts that Japan will surely follow a reversion to the mean within the next 20 years, and the allure of buying Japanese stock lately.
This drop might be the mean reversion?
by bluto
Tue Mar 08, 2011 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Bloomberg News, Fox Business or CNBC?
Replies: 41
Views: 7217

Bloomberg tv, but mostly podcasts. I agree that reading news is superior, but I can listen to Tom Keene while I'm walking to work.
by bluto
Mon Mar 07, 2011 4:44 pm
Forum: Personal Consumer Issues
Topic: How to help Africa?
Replies: 13
Views: 1585

Spend the money lobbying the rich world to reduce it's agricultural support schemes so African farmers have a chance of competing.

--Economic policy is a prohibited subject.--
by bluto
Sun Feb 27, 2011 12:38 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen too PART II
Replies: 7
Views: 1430

What podcasts do you listen too PART II

Here are a few programs that I have been enjoying lately: 1. To the Best of Our Knowledge by PRI 2. Bloomberg Surveillance 3. TEDTALKS 4. And the always popular, This American Life I bet some of you have found great programs that the rest of us might enjoy. Please share your favorites, especially hi...