Search found 352 matches

by metacritic
Sat Jun 20, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: Ford Foundation Issues $1 Billion in Social Bonds
Replies: 53
Views: 4267

Re: Ford Foundation Issues $1 Billion in Social Bonds

+ 100. I am also in a space proximate to philanthropy; they are smoothing out their grantmaking/spending as opposed to tightening spending at the exact moment grantees are typically in dire financial shape. Presumably this will also allow them to seek new opportunities for making change rather than ...
by metacritic
Sun May 03, 2020 10:53 am
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 58
Views: 3518

Re: How long is this profit sustainable as a New Trader?

Hi OP! I know that the responses you are getting from many are bracing. They are trying to save you (and others who might stumble upon your posts) from significant losses. Those responding to you are simply indicating that you got lucky a couple of times but nothing you are doing will lead to longer...
by metacritic
Sat Mar 21, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: I won the game but kept playing
Replies: 133
Views: 11933

Re: I won the game but kept playing

This is genuinely wise. I'm anxious in ways I never was during the GFC. I hope that I pick up any number of lessons from this experience about risk, retirement, and glide paths. There should be a much greater emphasis on an "Exit Strategy" as far as I'm concerned. You read these boards and 99% of st...
by metacritic
Sun Mar 15, 2020 8:14 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194289

Re: Bogleheads community discussion - Coronavirus

https://www.the-scientist.com/daily-news/cuts-to-prevention-and-public-health-fund-puts-cdc-programs-at-risk-30298 https://thehill.com/policy/finance/486817-trump-budget-chief-holds-firm-on-cdc-cuts-amid-virus-outbreak The CDC budget has been slashed repeatedly. Source? https://cdn.factcheck.org/Upl...
by metacritic
Sun Mar 15, 2020 7:53 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194289

Re: Bogleheads community discussion - Coronavirus

The CDC budget has been slashed repeatedly. The NSC pandemic team was disbanded last year. We are looking at the results of efforts to thin government and not failure as a result of too much bureaucracy. What I'm seeing is different than what you are reporting: countries with effective governments t...
by metacritic
Fri Mar 13, 2020 4:54 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194289

Re: Bogleheads community discussion - Coronavirus

Many here seem complacent in ways that astonish me. I don't think the government of China casually shuts down huge swaths of its economy for no reason. And perhaps the reasons can be discerned in the numbers released in an internal CDC meeting today that was reported on by the NY Times. "The C.D.C.’...
by metacritic
Thu Feb 13, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14147

Re: Am I crazy to consider quitting my job?

I tend to agree with this as I've watched many women (and two men) leave the workforce to raise children and then struggle mightily to reenter in a meaningful way once all kids were in school. There is a boredom and frustration that comes with full-time child care for many and that spikes when the k...
by metacritic
Sat Feb 08, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Travel to Africa - Yellow fever vaccine
Replies: 10
Views: 1151

Re: Travel to Africa - Yellow fever vaccine

South Africa is quite strict about making visitors arriving from other African countries show a yellow fever certificate. I have no idea how they treat exemptions.
by metacritic
Thu Jan 30, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9718

Re: Daughter's Boston Job Offer

I agree with the below. Also, I will be shocked if someone new to the workforce can negotiate for an entry role. None of my friends with PhDs in STEM fields have negotiated an entry level salary. The key is to find a place where one can acquire new skills, broad networks, and good stories of experie...
by metacritic
Wed Jan 22, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Staycation Vs. Vacation?
Replies: 34
Views: 3425

Re: Staycation Vs. Vacation?

I'll be clearer: NYC has some terrific restaurants, sure. With Indian food there is Indian Accent, a formidable branch of the brilliant Delhi restaurant. But there is nothing like, for example, Karim's, Dum Pukht, or a single sweet shop to rival those of Old Delhi. Switch to Mumbai and the differenc...
by metacritic
Wed Jan 22, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: Staycation Vs. Vacation?
Replies: 34
Views: 3425

Re: Staycation Vs. Vacation?

It surprises me that you can get food equal to what you find when you travel. I'm adjacent to NYC and haven't found a single restaurant (not even the highly lauded ones) that approaches what I've had in Hanoi, Delhi, Bangkok, Singapore or even Copenhagen or Capri-- to take a few examples somewhat at...
by metacritic
Thu Jan 16, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 133
Views: 16397

Re: Bucket List Adventures/Activities

Sorry - just seeing this; with apologies! Namibia is beautiful, haunting, and the travel times between sites are grueling. I found driving to be a physical challenge for a number of reasons: size of vehicles (we rented one with two gas tanks given the chance that if you run out of petrol no one will...
by metacritic
Thu Jan 16, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Holiday in Indonesia...not Bali?
Replies: 11
Views: 1089

Re: Holiday in Indonesia...not Bali?

Lots of great advice in this thread and I am always drawn to posts by people who really know a place. Our favorite trips have been in southern Africa, Bali/Singapore, and Hawaii. We also loved listening to the call to prayer in Gili Air (though it was more of a club scene than I anticipated, which t...
by metacritic
Wed Jan 15, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Holiday in Indonesia...not Bali?
Replies: 11
Views: 1089

Holiday in Indonesia...not Bali?

I'm thinking of a family trip to Indonesia and would be eager to see parts of the country that aren't Bali. Does anyone here have experience in Flores, Sumatra, or Borneo? Kids are 8 and 11. Intrepid but we do like some creature comforts - we don't look to backpacks, for instance. Thanks in advance!
by metacritic
Sat Jan 11, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Kauai in July questions, condo, hotel, etc
Replies: 8
Views: 1116

Re: Kauai in July questions, condo, hotel, etc

North shore at that time of year is perfect. The waters are much calmer, typically, and that side of the island is stunning. If you want the kinds of amenities you get at Poipu, stay in Princeville or, possibly, Hanalei. Further north is quieter and you are in the jungle. I love the north shore beac...
by metacritic
Wed Jan 08, 2020 7:55 pm
Forum: Personal Investments
Topic: I don't want to save too much.
Replies: 96
Views: 8294

Re: I don't want to save too much.

This x100. Of course OP can pull back a bit. If I ended up spending 300k a year instead of 200k a year. What difference would it make? I will still be saving an extra 100k/year which will even push the $5M by 55 years old more Let's say the OP saves $100k/year until age 55. Firecalc's average at 55 ...
by metacritic
Sun Dec 22, 2019 3:09 pm
Forum: Personal Investments
Topic: In or Near Retirement with Only Six Figures?
Replies: 126
Views: 15617

Re: In or Near Retirement with Only Six Figures?

Post of the decade. What a decade it has been -- and you win with just 10 days left. Amazing. I'm wondering how many Bogleheads are near or in retirement with only six figures in savings. If so, how conservative or aggressive are you? Why? (this is the actionable part of the post). For myself, I am ...
by metacritic
Sat Dec 21, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: African Safari trip
Replies: 22
Views: 1622

Re: African Safari trip

We took our kids when they were 6 and 8 to South Africa and then when they were 8 and 10 to Namibia. They loved it each time, perhaps not surprisingly. These were self drives. Lots of private reserves don't accept younger kids. What's the youngest aged kid you'd (anyone who's been there) bring on a ...
by metacritic
Sat Dec 21, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: African Safari trip
Replies: 22
Views: 1622

Re: African Safari trip

Going business or first class is an extravagance. While a heck of a lot more comfortable, I don't think younger, reasonably healthy people require this by any means. I fly business for business when allowed and economy or economy comfort for personal travel. I just came back last night from South Af...
by metacritic
Wed Nov 27, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2019
Replies: 41
Views: 4085

Re: Best Albums of 2019

Brittany Howard - Jaime
FKA twigs - Magdalene
Purple Moutains - Purple Mountains

Was a remarkable decade for music but not necessarily a great year!
by metacritic
Wed Nov 13, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 11434

Re: Seller's agent not letting us use a buyer's agent

What work? Get a buyers agent, make an offer, wait and see if it's accepted.
Silk McCue wrote:
Fri Nov 08, 2019 10:21 pm
The sellers agent did all the work and you didn’t tell them that you had an agent. They deserve the whole sale.

You don’t have to miss out on the house. You just need to get over being miffed.

Sorry.

Cheers
by metacritic
Sun Nov 10, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 133
Views: 16397

Re: Bucket List Adventures/Activities

1. hiking to mountain gorillas in Rwanda or Uganda (pondering doing this in summer 2018) Nope, didn't make it as hoped 2. Angkor Wat 3. Burma 4. Komodo National Park/Flores 5. Namibia (Completed summer 2019!) 6. Iguacu Falls 7. Salta, Argentina 8. Antarctica 9. Borneo 10. Eat my way through Kyoto (...
by metacritic
Tue Oct 15, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8804

Re: Why are Mazda CX-5’s sales so much less than other brands?

Switched from a Toyota Camry to a Mazda CX-5. This new car is the first I've ever truly enjoyed.
by metacritic
Tue Oct 08, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 33528

Re: Index Funds Bubble? [Michael Burry article]

Here is a key part of the NPR article that concerns me: https://www.npr.org/sections/money/2019/10/08/767884839/is-your-retirement-fund-ruining-our-economy [link fixed by admin LadyGeek] "In this Giant Three scenario, three investment managers would largely dominate shareholder voting in practically...
by metacritic
Wed Oct 02, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: Craigslist apartments in NYC, too cheap to be true!
Replies: 8
Views: 1511

Re: Craigslist apartments in NYC, too cheap to be true!

You didn't ask this as a question but I'd suggest anyone looking for an apartment for short term rentals to use airbnb, not Craigslist.

Visitors often ask about red line, blue line, etc. I know what trains are on the red line. I couldn't begin to guess at the others!
by metacritic
Sun Sep 22, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 46
Views: 4184

Re: Traveling to Riyadh for Business

Are you a man or woman? Makes a huge difference in Saudi. I know a major journalist, a household name, who had to wait in the hotel lobby to check in until a man in the camera crew showed up to check them in. I'm traveling to Riyadh later this year for work. I've never been to Riyadh or the Middle E...
by metacritic
Sun Sep 22, 2019 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 50
Views: 9370

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

Fantastic! And don't forget to explore the possibility of finding employment in your fields in Singapore or Bangkok rather than returning here, NY. Your post has me fantasizing about how I'd use a gap year if not for kids and spending my 20s in grad school. Here's what I came up with: Jan-Feb Thaila...
by metacritic
Sat Sep 14, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Advice on southern Italy trip November
Replies: 25
Views: 2369

Re: Advice on southern Italy trip November

I think you are spending too little time for so many places. In any event, in Puglia, for instance, don’t just focus on Lecce. Spend several days poking around the whole of the Salentine peninsula. It’s gorgeous. As are the towns just north of Salento. Don’t miss Ostunia and Albariño. Or skip all o...
by metacritic
Wed Aug 07, 2019 1:30 am
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2843

Re: Advice on short Vietnam visit

We fished for squid in the dark, which we ate for breakfast. That was quite fun! And I enjoyed watching the vessels even in the dark. I am intrigued by all the suggestions of spending at least one night on a boat in Halong Bay. What can be seen better at night than during the day? Nothing can be see...
by metacritic
Wed Aug 07, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2843

Re: Advice on short Vietnam visit

Hanoi is spectacular and fascinating. And the food! Overnight on Ha long Bay is haunting. That would be a sufficient use of 4-5 days. I can’t speak to anything in the south. I will be visiting relatives in Asia for a couple of weeks in late Sept. I'm thinking of adding 5/6 days (on the ground) to th...
by metacritic
Sat Aug 03, 2019 2:02 am
Forum: Non-US Investing
Topic: US investor buying house in London: sell stock and use cash or get mortgage?
Replies: 29
Views: 1960

Re: US investor buying house in London: sell stock and use cash or get mortgage?

We can’t talk politics here but there’s a real risk the housing market falls somewhat precipitously on or about October 31. Who knows what it would take to recover. Don’t sell your investments. Take the mortgage, delays and all. We (US citizen and US/UK dual citizen) are moving to London and were pl...
by metacritic
Sat Jul 20, 2019 3:29 am
Forum: Personal Investments
Topic: College Student Needs Investment Assistance
Replies: 9
Views: 903

Re: Introduction

I suggest you change the title of the thread to something that will attract more eyeballs. Something like “22 year old, rough times, investment help needed.” The good news is that financially, at least, these are not rough times for you. I know of VERY few 22 year-olds with $500k to invest. And you ...
by metacritic
Tue Jul 09, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Grilling with wood fire
Replies: 12
Views: 1483

Grilling with wood fire

The post on buying a smoker leads me to post here -- not least as I haven't found forums on grilling with wood fire. Instead, you see the occasional NY Times story about the rising popularity of cooking with wood fire (mostly in restaurants, from what I can tell) or stories about GrillWorks USA. I'm...
by metacritic
Thu May 16, 2019 8:22 am
Forum: Personal Investments
Topic: How did it come to this? [Help with investments]
Replies: 51
Views: 5657

Re: How did it come to this?

Want to reiterate the points of this post. You are in good financial shape. Not sure you need to sell what's in taxable (but you certainly could if you feel strongly that you want to bring down taxes on this portion of your savings). You seem to be in pretty sound financial shape with about $900k in...
by metacritic
Fri Apr 26, 2019 8:58 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 18628

Re: Dump international?

Woah! I'm holding 40% int ex US but your last post concerns me. You are way too focused on what is up and down at any given moment. Focus on risk of sequence returns, on black swan events, or just factor investing. But the last thing that should persuade you is what is up or down .15% -- a trivial n...
by metacritic
Thu Mar 28, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 12927

Re: African Safari: Worth it or Hype?

I think this is exactly wrong. People’s willingness to spend huge sums shows exactly the degree to which they rate it. Those of us who have done it multiple times are the best gauge of all. People usually overrate their travel, since they had spent so much time and money. I have a unique way to judg...
by metacritic
Fri Mar 08, 2019 5:22 pm
Forum: Personal Investments
Topic: Log-in problems with Vanguard site
Replies: 5
Views: 726

Re: Log-in problems with Vanguard site

You are a genius! Thank you. Did you check your Account Maintnence->Security Profile->Security Code setting? That is where the number to which to send 2FA codes. This is not necessarily the same as the phone number in your contact information. Also, your computer at work is probably working because ...
by metacritic
Fri Mar 08, 2019 8:48 am
Forum: Personal Investments
Topic: Log-in problems with Vanguard site
Replies: 5
Views: 726

Re: Log-in problems with Vanguard site

KingRiggs wrote:
Fri Mar 08, 2019 7:51 am
Call them directly. Should be easy to sort out.
I have my doubts, but you are surely right on a necessary step that I have been putting off.
by metacritic
Fri Mar 08, 2019 7:31 am
Forum: Personal Investments
Topic: Log-in problems with Vanguard site
Replies: 5
Views: 726

Log-in problems with Vanguard site

Hi folks -- A totally perplexing problem. When I log into Vanguard on my home computer and put in the correct password, I'm asked to use two step login. The code is sent to a phone number I no longer use. I have no way to log in on the home computer. Perplexingly, I had long ago updated my phone num...
by metacritic
Mon Feb 18, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Parents fell for scam: sent cash -- what now?
Replies: 46
Views: 5530

Re: Parents fell for scam: sent cash -- what now?

I'm stunned at how ubiquitous a problem this is and sorry to hear how many people have encountered and/or narrowly avoided this issue with aging parents. And this week I heard about a younger employee who sent thousands in gift cards to the person he thought was his boss... I'm coming to think that ...
by metacritic
Sat Feb 16, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Parents fell for scam: sent cash -- what now?
Replies: 46
Views: 5530

Re: Parents fell for scam: sent cash -- what now?

This is the blueprint that the scammers followed. I'm reading comments carefully from all in order to make sensible decisions. They did call police who made a house call with my parents. That they took this step is a frank relief. Folks -- Seeking advice as to what steps I should counsel parents to ...
by metacritic
Sat Feb 16, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Parents fell for scam: sent cash -- what now?
Replies: 46
Views: 5530

Re: Parents fell for scam: sent cash -- what now?

My mother does this too. She got her comeuppance, alas.
whodidntante wrote:
Sat Feb 16, 2019 6:28 pm
I sometimes intentionally waste the time of scammers, usually when I'm on the treadmill or otherwise have time on my hands. I figure the more time they waste on me, the less time they have to steal. I guess my efforts are not enough.
by metacritic
Sat Feb 16, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Parents fell for scam: sent cash -- what now?
Replies: 46
Views: 5530

Parents fell for scam: sent cash -- what now?

Folks -- Seeking advice as to what steps I should counsel parents to take after falling for a scam that most would see right through. Someone called claiming to be me -- and in an accident that affected the tone of my voice and needed cash ASAP. After a follow up call, they requested $5k be sent in ...
by metacritic
Fri Feb 08, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Visiting Hawaii- Big Island - 8 days
Replies: 24
Views: 2421

Re: Visiting Hawaii- Big Island - 8 days

- Hiking the Pololulu Valley trail -- easy but spectacular - Hiking Volcanoes National Park -- not sure if all the trails are now open but I love Kilauea Iki trail, Devastation trail, and Napau-Makaopuhi trail (in that order) - Swimming in the morning at Kua - Snorkeling Captain Cooks Monument (and ...
by metacritic
Thu Jan 03, 2019 11:04 am
Forum: Personal Investments
Topic: 403b rollover help -- time limited?
Replies: 4
Views: 213

Re: 403b rollover help -- time limited?

Thanks, all! So if I waited another 2-4 (or 12-24) months there remain no issues? Or do people think it is foolish to worry that a mistake will be made: I want to keep us invested during the rollover but worry that they will instead disinvest during the transfer period? The 60 days allowed for a rol...
by metacritic
Thu Jan 03, 2019 10:47 am
Forum: Personal Investments
Topic: 403b rollover help -- time limited?
Replies: 4
Views: 213

403b rollover help -- time limited?

Hello, I left a job some four months ago with the plan to roll over my 403b to a Vanguard IRA. The 403b is invested in TIAA Cref, which includes TIAA real estate allocations and TIAA Trad. All investments in the previous 403b are in an R1 account. Despite my intentions of enacting a rollover, I didn...
by metacritic
Sat Dec 22, 2018 5:45 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16688

Re: All the "should I be 100% stocks" threads over the last year.

I'm 90% equities. I aim to stay here for at least another 10 years, until 55. Then I'll slowly ramp up my bonds.

The only reason I'm 90% equities over 100% is that I think it important to learn how bonds operate and how I feel about them before half my portfolio consists of them.
by metacritic
Wed Nov 14, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 4534

Re: International Travel during Maternity/Paternity

We did this with both our kids. I suggest picking 1-2 places at most and know you'll be tired, moving slowly, and need to stop constantly for feedings and diaper changes. Beach could be a bit tricky with a new born as baby's skin will be very sensitive to sun and wind. As much as I love Kauai and Gr...
by metacritic
Sat Oct 27, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 10815

Re: Larry Swedroe: Why International Diversification Works

These two poles add important new contours to the discussion. Would you both be able to say more? I'm at roughly 55/45 US/INT for those wondering and US based, with an eye toward moving to 50/50. I started at 70/30 -- if I recall correctly -- and have gradually increased my holdings of international...