Search found 257 matches

by sksbog
Sun Feb 17, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 21
Views: 1689

Re: Techies provide me best practices

1. Stay away from google free services unless you want to become the “product” to be sold to advertisers and third party companies. This includes content from “free” products like gmail. 2. Strive to go with GDPR compliant companies, example protonmail.com, where your information is not a product th...
by sksbog
Tue Feb 12, 2019 8:27 pm
Forum: Personal Investments
Topic: Good time to invest in emerging markets?
Replies: 22
Views: 2547

Re: Good time to invest in emerging markets?

Hello Everyone, I have been reading Money & Kiplinger magazines, plus the reports that T. Rowe Price sends me periodically and one thing that they have in common is a conviction that this is a particularity good time to invest in emerging markets. I have been burned by emerging markets in the past,...
by sksbog
Mon Feb 11, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2610

Re: What Is Your Favorite Bogle Quote?

“Don’t look for the needle in the haystack. Just buy the haystack.” John Bogle
by sksbog
Wed Jan 23, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 143
Views: 8609

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Nit sure if you are just looking for clothing or other travel tips as well. Here are some others I do. 1. Visit nearby Target or AAA store. In the international vsection get these A. Travel pouch that beyls around your waist, inside ur shirt. Very light weight. To keep passport or cash. B. Luggage ...
by sksbog
Wed Jan 23, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 9317

Re: Need Advice - quit 6-figure job to do coding school?

Is software engineering your passion? If yes, then go for it. I would not and here is why. Software engineering job will not pay this much, unless you go to a VP level of a megacorp. If you start from developer, it may take you some time to get there. I have spent all life working for multiple mega ...
by sksbog
Wed Jan 23, 2019 10:12 am
Forum: Personal Investments
Topic: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right
Replies: 54
Views: 3199

Marketwatch - If everyone invested like John Bogle, markets couldn’t work right

Is this sheer exchange of ignorance, or there is some truth behind this?
Link to today's marketwatch article
https://www.marketwatch.com/story/if-ev ... 2019-01-23

Welcome your comments.

Thanks
by sksbog
Sun Jan 20, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 143
Views: 8609

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Nit sure if you are just looking for clothing or other travel tips as well. Here are some others I do. 1. Visit nearby Target or AAA store. In the international vsection get these A. Travel pouch that beyls around your waist, inside ur shirt. Very light weight. To keep passport or cash. B. Luggage t...
by sksbog
Sat Jan 19, 2019 1:02 pm
Forum: Personal Investments
Topic: Starting the "Three Fund Portfolio"
Replies: 14
Views: 4327

Re: Starting the "Three Fund Portfolio"

Instead of total bond market in taxable account, consider Vanguard intermediate term tax exempt fund.

VWITX.
by sksbog
Fri Jan 18, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: 401K matching and front loading
Replies: 15
Views: 1072

Re: 401K matching and front loading

My company provides at 1:1 match up to 3% and then 0.5% match up to 5%, so to get the largest match you would need 5% to get a 4% match. I always max out the 401K submission, but do it throughout the entire year. I do get (4) larger pay periods (comissions), and I usually tweak the final pay period...
by sksbog
Fri Jan 18, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2074

Re: Curry Powder?

I use this one.
https://www.amazon.com/Shan-Tandoori-Ma ... n+tandoori
i usually stay away from curry paste.
by sksbog
Fri Jan 18, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2074

Re: Curry Powder?

Find an Indian groceries store in your city.
All these spices will be there.
You would be able to try different brands and very cheap.
by sksbog
Thu Jan 17, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: How to clean DSLR camera lens?
Replies: 9
Views: 546

How to clean DSLR camera lens?

In a recent trip, i saw some dirt deposited over the lens.
I have never cleaned it and would like to know how to clean the lens, without adversely affecting it?

thanks
by sksbog
Thu Jan 17, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1099

Re: Audio book options

LearningAlot wrote:
Thu Jan 17, 2019 9:19 am
I enjoy listening to books. Was wondering what the best options are for good selection and low cost.

Thanks in advance!
as JB used to say, recognize the obvious. local library these days are big on lending digital books in audio and readable formats.
by sksbog
Thu Jan 17, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: Why GE is most actively traded stock?
Replies: 5
Views: 701

Why GE is most actively traded stock?

this is so speculative, GE stock is having so many negative analyst reviews. Yet I see it, as one of the most actively traded stock these day.
Any thoughts on the reason why so?
by sksbog
Tue Jan 15, 2019 12:46 pm
Forum: Personal Investments
Topic: The Three-Fund Portfolio
Replies: 10
Views: 1121

Re: The Three-Fund Portfolio

The answer is it may or may not. I am not sure how many times I have to say this on this forum, but either I am being ignored or folks simply do not understand the equation for return of a portfolio. The return of ANY portfolio is simply the summation of the individual subassets at their weighted a...
by sksbog
Sat Jan 05, 2019 12:04 am
Forum: Personal Investments
Topic: What is backdoor Roth IRA conversion?
Replies: 1
Views: 233

What is backdoor Roth IRA conversion?

Hello Bogleheads,

I am trying to understand what is backdoor Roth IRA conversion?

People in what kind of tax bracket should consider this?

Thanks,

Don
by sksbog
Thu Jan 03, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Binder recommendation for meetings
Replies: 13
Views: 1676

Re: Binder recommendation for meetings

:!: I take notes on paper and scan into Evernote for storage, search and retrieval. Even though I consider my writing to be messy, Evernote's OCR works pretty well. Most of the time I search the scanned notes by date, analogously to flipping through a notebook. I don't use any special kind of binder...
by sksbog
Wed Jan 02, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Porting from a family plan to Google Fi
Replies: 29
Views: 1702

Re: Porting from a family plan to Google Fi

I'm interested in understanding what surcharges, taxes, and other add-ons they have on the bill. Agreed. Is there anyone willing to share their total bill cost? It says plus 10 to 20% for taxes and surcharges in their website. I found that after posting. I had this tax 6.8 % 911 fee $0.65 telecom s...
by sksbog
Tue Jan 01, 2019 12:32 am
Forum: Personal Finance (Not Investing)
Topic: How to choose a rental property?
Replies: 10
Views: 1110

Re: How to choose a rental property?

Thanks everyone!

These are very nice tips.
by sksbog
Mon Dec 31, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose a rental property?
Replies: 10
Views: 1110

How to choose a rental property?

Hello Bogleheads,

I have some spare cash and would like to invest in a rental property.
How would a Bogle head do research to narrow down area/ and kind of rental property to rent out?

What kind of research to do? what database to look at?

Thanks in advance

Don
by sksbog
Fri Dec 28, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Today Only AMZ Turbo Tax Offer
Replies: 5
Views: 583

Re: Turbo Tax Today Only @ AMZ

$39.99 in Costco. free shipping
by sksbog
Fri Dec 28, 2018 9:26 am
Forum: Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6546

Re: Vanguard personal advisor service (PAS) for high net worth?

I had a phone meet and great with one of their young financial advisors. I have a couple concerns: He seemed to be inclined to have a strictly Vanguard mutual funds and ETF's approach rather than individual stocks and bonds. Didn't recommend alternatives such as annuities or preferred stocks. Obvio...
by sksbog
Wed Dec 26, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Turbotax Premium?
Replies: 7
Views: 885

Re: Do I need Turbotax Premium?

Thanks.
Just FYI Costco bis selling deluxe for $29 till January 1st.
by sksbog
Sat Dec 22, 2018 9:48 am
Forum: Personal Investments
Topic: planning to buy REIT, bad idea ?
Replies: 35
Views: 2836

Re: planning to buy REIT, bad idea ?

I know bogle heads don't advice on tilting to a certain sector, but I am willing to take a calculated risk here. housing market is projected to slow down next .... taking that in mind is it hugely insane to start buying REIT ? etguy: I agree with stimulacra: "If you own Total U.S. Stock Market you ...
by sksbog
Thu Dec 20, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3562

Re: Email Accounts - How Many / Security / Best Practices

I would never trust Google. I own several domains and have 6 emails plus Comcast. My domains allow me to create unlimited emails that go into a catch-all bucket (or I can setup specific addresses if I want to use one of the ones I make up on the fly to send from). For example, if I went to crappysi...
by sksbog
Tue Dec 18, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Turbotax Premium?
Replies: 7
Views: 885

Do I need Turbotax Premium?

Hello Bogleheads, I am doing Schwab SIP and own 3 Fund portfolio @ vanguard. Which of the turbotax product a Boglehead would use in my situation? I have been using premium for the last three years, but seems overkill but not sure. 1. Basic 2. Delux 3. Premium 4. Home and Business Thanks Don
by sksbog
Sun Dec 16, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Any advice for buying a used car?
Replies: 79
Views: 3625

Re: Any advice for buying a used car?

With used cars, I try to eliminate the guess work as much as possible. 1. I set a criteria for mileage and years old. Typically I try to get under 20 k miles if possible and with 3 years old, so that some overlap of warranty could be there. 2. Then I take the latest consumer reports band go to the p...
by sksbog
Sun Dec 16, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19726

Re: Favorite Purchase of 2018?

Highly rated bidet from amazon.com :wink:
by sksbog
Sat Dec 15, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1806501

Re: U.S. stocks in free fall

J G Bankerton wrote:
Sat Dec 15, 2018 8:51 pm
uberme wrote:
Sat Dec 15, 2018 11:19 am
Well at least my international stocks are giving me "diversification"
I was just looking at my foreign holdings. Shares I have held over a year and a half are now losses.
Different perspective. " They all are on sale "😀
by sksbog
Sat Dec 15, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7426

Re: Article: Your love of index funds is terrible for our economy

drk wrote:
Wed Dec 12, 2018 1:36 am
mptfan wrote:
Mon Dec 10, 2018 12:13 pm
There is an opinion piece published today in Marketwatch [...]
Don't read Marketwatch.
Ditto.
If you see their daily headline in home page, world will be ending soon.😀
by sksbog
Wed Dec 12, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 5440

Re: [Anyone drop cable for YouTube TV?]

Bought a $35 antenna. Now I get 60 channels ( nbc,CBS,fox, etc) for free. +
$15 Netflix.

All set😁
by sksbog
Thu Dec 06, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1387

Marriott data breach, what are you doing about it?

It's amazing how much these companies collect data about you nowadays. They write, we respect your privacy in a page and followed by 5 pages of explanation on how they will sell our data :) Recently, Marriott and Starwood chain had a data breach. Just got an email from them that they would provide f...
by sksbog
Tue Dec 04, 2018 3:06 pm
Forum: Personal Investments
Topic: Which REIT for Portfolio, should I even get one?
Replies: 25
Views: 2030

Re: Which REIT for Portfolio, should I even get one?

If you check wiki on tax implications here, REITs , if at all you choose, would be suitable in tax sheltered account s like 401k..
by sksbog
Sat Dec 01, 2018 5:37 pm
Forum: Personal Investments
Topic: The Disaster That Is General Electric Company Stock
Replies: 53
Views: 10141

Re: The Disaster That Is General Electric Company Stock

libralibra wrote:
Sat Dec 01, 2018 2:39 pm
and note that everyone who held index shares rode all those companies all the way down! :wink:
It's something about not putting all your eggs in one basket.
You would probably be surprised to know that some people call this diversification 😁
by sksbog
Sat Dec 01, 2018 8:08 am
Forum: Personal Investments
Topic: The Disaster That Is General Electric Company Stock
Replies: 53
Views: 10141

Re: The Disaster That Is General Electric Company Stock

This could be a buy opportunity. Much like buying in 09 and selling in 16, you could have doubled your investment while collecting dividends the whole time. While the reduction in dividend is quite a blow, it was probably a smart move. This is a classic example of speculation and uninformed decisio...
by sksbog
Tue Nov 27, 2018 6:50 pm
Forum: Personal Investments
Topic: GE - a good value?
Replies: 118
Views: 13412

Re: GE - a good value?

Good morning BH, Going on my hike this morning. I have not searched all the posts, so if comments have already been made, I have not read them. I am looking at GE right now. It has come down quite a bit. It has not reached a new high for more than fifteen years. Wow. From what I can see, it is stil...
by sksbog
Thu Nov 22, 2018 7:17 pm
Forum: Personal Investments
Topic: 5 Funds
Replies: 19
Views: 2053

Re: 5 Funds

:wink:
welderwannabe wrote:
Thu Nov 22, 2018 11:01 am
I keep 50% of my bonds on short term corporates and the other 50% in intermediate term treasuries.
This was missing.
by sksbog
Wed Nov 21, 2018 5:47 pm
Forum: Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13298

Re: Can someone explain what's going on [with the stock market]?

parigi723 wrote:
Tue Nov 20, 2018 5:17 am
[Edited thread title for clarity - moderator prudent]

Hello:
With the stock market ????? I know that usually october is a shaking month,but it keeps going DOWN.Please explain if you know.
Many thanks in advance,parigi.
Very simple thing. There are more sellers than buyers.😀
by sksbog
Wed Nov 21, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15355

Re: Black Friday 2018

StevieG72 wrote:
Tue Nov 20, 2018 4:16 pm
150 shares of VTSAX ( Vangaurd Total Stock Market Admiral Shares)

The price was right so I bought tonight!

Ditto. Was on sale, I think 10% off😁
by sksbog
Sun Nov 18, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2841

Re: Laptop security - Mac OS or Windows

Windows 10 gets patched/updated almost every week nowadays. Sorry, is that a good or bad sign? Obviously Good sign ! Can you image you using Windows 7 now without any security patches? The moment Microsoft discovers any security vulnerability, I would want them to come up with a patch and release a...
by sksbog
Sat Nov 17, 2018 10:55 pm
Forum: Personal Investments
Topic: Should I invest now
Replies: 9
Views: 945

Re: Should I invest now

why not divide the money to invest in 12 equal portions and invest each month.
that way you are not "market timing"
by sksbog
Sat Nov 17, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2841

Re: Laptop security - Mac OS or Windows

Long time Apple user here. My MacBook Pro is getting old so I am starting to research a replacement. My needs are modest as I have a Windows 10 desktop for heavy lifting but would like it to be capable of doing occasional photo editing. I'd like to stay with Apple but as time goes by I am less and ...
by sksbog
Fri Nov 16, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 101988

Re: How much international stock? A suggestion.

So I am going to say this: Past performance is no guarantee for future results. Nobody knows😎 Bogleheads: Our Boglehead "Search" engine reports 22,400 results for the question: "How much international stock?" It is a question without a definitive answer because no investor knows the future. We are a...
by sksbog
Thu Nov 08, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 11050

Re: Favorite "free stuff"?

bligh wrote:
Thu Nov 08, 2018 12:02 pm
Google's Search engine & Gmail.

Yes I realize I am the product with those.. but it isn't like there is a good paid alternative that is equal in quality.
Gmail is not free, you are the product 😀
by sksbog
Thu Nov 01, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8969

Re: I Bond fixed rate = 0.5%

Grt2bOutdoors wrote:
Thu Nov 01, 2018 9:21 am
Now we're talking.....can I hear 0.75%?
Who saw the WSJ this morning? Consumer inflation is coming next year, if you haven't already seen it in your wallet.
Ordered as the side with my burger and drink. :greedy
by sksbog
Thu Nov 01, 2018 8:09 pm
Forum: Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8239

Re: Fully maxed out

Just curious..,. Is there anyone out there that has fully maxed out all tax advantaged accounts in a single year (assuming MFJ). Super high income (>300k/yr?) doesn’t count 18.5k 401k x2 Extra 5k/year for catchup contributions x2 Mega Backdoor Roth x2 Backdoor Roth 5.5k x2 IRA catch-up contribution...
by sksbog
Thu Nov 01, 2018 8:06 pm
Forum: Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8239

Re: Fully maxed out

We are around 200k income this year... and will max: His 401k (megabackdoor) His Backdoor Roth His HSA (family) Her 403b Her backdoor Roth And did taxable... no 529 yet Edit: and we live in the hcol San Francisco Bay Area. What is 401k (megabackdoor)? Any information or link pertaining to this? Tha...
by sksbog
Sat Oct 27, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4982

Re: What Memberships/Subscriptions Are Most Valuable To You?

Office 365 $5 / mo
Simplisafe
Costco
Library
Netflix
Prime
Cell - project fi , cricket wireless.
Evernote
by sksbog
Sat Oct 27, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4982

Re: What Memberships/Subscriptions Are Most Valuable To You?

sk2101 wrote:
Fri Oct 26, 2018 1:16 pm
is there a consensus on a cloud service for storage services?
AWS glacier. Cheap backup service. Switched to them when crappy. Seagate NAS drive 's software update wiped out my data.
by sksbog
Tue Oct 23, 2018 7:26 pm
Forum: Personal Investments
Topic: Help me in selecting funds for my HSA 3 fund portfolio
Replies: 3
Views: 349

Re: Help me in selecting funds for my HSA 3 fund portfolio

thanks. yes, those states are not applicable to me.