Search found 666 matches

by TheOscarGuy
Tue Feb 12, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: separate computers for specific purposes--how many and for what?
Replies: 35
Views: 2551

Re: separate computers for specific purposes--how many and for what?

hello all! I have been right scared into buying a chromebook for home use strictly for financial purposes. I hope that siloing my usage will help protect my banking data from viruses, malware, etc. But this also makes me think that there are other things that I would like to protect, like family ph...
by TheOscarGuy
Mon Feb 11, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Why borrow money in RE but not Stocks?
Replies: 39
Views: 3999

Re: Why borrow money in RE but not Stocks?

Why is it that people are generally okay to invest in real estate with borrowed money but always advise against borrow money to buy stocks. If either investment go sour, won't there always be someone that forces you to sell the asset. For example with borrowed money from bank or investors for real ...
by TheOscarGuy
Thu Feb 07, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 45
Views: 2052

Re: Question for gearheads on Honda Pilot/Passport reliability

For those gearheads our there on the site can someone help exlain why Consumer Reports is rating the 2019 Honda Pilot substantially lower than Toyota SUVs on reliability? We are evaluating a 2019 Honda Passport for my wife which as I undertand it is a shortened body, taller stance, different styled...
by TheOscarGuy
Thu Feb 07, 2019 6:18 am
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 8698

Re: Ally Bank's nightmarish online reviews -- should I be worried?

Hey all. I opened an Ally account several months ago, but I'm still hesitant to transfer any money into it, even though their current yield for a savings account is up to 2.20%. I know Ally is a Bogleheads fave, which initially attracted me to it, but the amount of frightening online reviews have p...
by TheOscarGuy
Wed Feb 06, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: The Little Pension That Dumped Dalio
Replies: 14
Views: 2658

Re: The Little Pension That Dumped Dalio

The state of affairs for pension plans has less to do with pension consultants and more to do with "budget math". It's simple, the savings rate is what matters in accumulating enough assets for retirement, if you decide to take a "holiday" and withhold contributions you are simply shortchanging the...
by TheOscarGuy
Tue Feb 05, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: The Little Pension That Dumped Dalio
Replies: 14
Views: 2658

Re: The Little Pension That Dumped Dalio

The title says it all. A tiny pension fund decided that the fees were too high (3.69% annually) while returns were too low over a 5-year period, so they moved the moneys to a lower fee fund which is a passively managed within Bridgewater. https://www.bloomberg.com/news/articles/2019-01-24/dalio-fun...
by TheOscarGuy
Tue Feb 05, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What does financial peace look like to YOU?
Replies: 64
Views: 5643

Re: What does financial peace look like to YOU?

I can remember back in 2011, staring bankruptcy in the face. We had over $350,000 in total debt. We had a negative net worth of $200,000. I remember when our numbers were read out in the court, people actually laughed. I will never forget this. At that moment, I promised that I'd never put my famil...
by TheOscarGuy
Tue Feb 05, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: The Little Pension That Dumped Dalio
Replies: 14
Views: 2658

Re: The Little Pension That Dumped Dalio

The title says it all. A tiny pension fund decided that the fees were too high (3.69% annually) while returns were too low over a 5-year period, so they moved the moneys to a lower fee fund which is a passively managed within Bridgewater. https://www.bloomberg.com/news/articles/2019-01-24/dalio-fun...
by TheOscarGuy
Tue Feb 05, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Buffet's Betas: What Individual Investors Can Learn From Buffett
Replies: 36
Views: 1977

Re: Buffet's Betas: What Individual Investors Can Learn From Buffett

From Morningstar: Every investor's results can be rationally explained--even Warren Buffett's. John Rekenthaler has written a pretty easy to understand overview of the academic literature that explains Buffet's investment acumen as boiling down to cheap leverage and factor exposure , rather than th...
by TheOscarGuy
Mon Feb 04, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3742

Re: The real dog food diet...

We neurotic folks worry a lot about eating dog food in retirement, but what about the real dog food we feed our dogs today? It is hard to find any objective data. Some websites are pretty fanatical and only recommend superduperhyper premium brands. Other people swear by puppy chow. What is a good q...
by TheOscarGuy
Fri Feb 01, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 71
Views: 30143

Re: Convince me to choose a Suburban over a Sequoia

David Jay wrote:
Thu Jan 31, 2019 11:15 am
Guys, it’s a 5 year old thread. No one is out there to take your recommendations...
:D
by TheOscarGuy
Tue Jan 29, 2019 10:52 am
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 13318

Re: High Earners Mostly Use Taxable Accounts?

How do middle to high earners save enough for early retirement? The max on tax friendly accounts (e.g. 401k, Back Door Roth, etc.) are not very high. What do folks here do? Any suggestions would be greatly appreciated. 401k (me and SO) mega backdoor roth (me) backdoor roth (me and SO) HSA and final...
by TheOscarGuy
Mon Jan 28, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 47
Views: 2490

Re: Honda/Acura maintenance minders

I, unlike the other posters, find it a bit too conservative. Before MM I used to put synthetic oil and good filter every 10K miles, and also it was a good time to change your cabin air filter as well, and it was probably too aggressive anyway. And every 30K miles change other fluids such as bleed b...
by TheOscarGuy
Mon Jan 28, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 104
Views: 5953

Re: What did you learn from 2018 in the markets?

One interesting aspect of the human condition is that we all draw different conclusions from the same experience, yet we can probably learn something from everyone else's interpretation of what they went through. With that preamble, what did you learn from the market in 2018? Here are my takeaways:...
by TheOscarGuy
Mon Jan 28, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 47
Views: 2490

Re: Honda/Acura maintenance minders

My entire car-owning career, I have done regular mileage-based maintenance on our cars. Now, my online Acura manuals (a 2012 MDX and 2016 RDX) basically say to just do maintenance when the light comes on. I am curious- has the rest of the world left me behind? Is this system of using warning lights...
by TheOscarGuy
Sat Jan 26, 2019 7:52 am
Forum: Investing - Theory, News & General
Topic: local CU_3.25% - 24 mo. CD opinion
Replies: 6
Views: 604

Re: local CU_3.25% - 24 mo. CD opinion

I'm interested in opinions about locking in a 24 mo.3.25% CD. This is a CD special at a local Credit Union - it seems like a good option. According to depositaccounts.com - they show it as the highest CD rate offered for 24 months across the country. I've just been cautious about locking in longer ...
by TheOscarGuy
Sat Jan 26, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Need advice coming out of bad situation
Replies: 49
Views: 3987

Re: Need advice coming out of bad situation

My struggles are as follows: 1) I want to switch careers within either 15 months, or 27 months. Reason being that my lease expires at the end of March each year. 2) I want savings for an emergency layoff - I have enjoyed a high level of job security until now, but when I move I don't anticipate tha...
by TheOscarGuy
Thu Jan 24, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Phone for tracking child's location
Replies: 20
Views: 1330

Re: Phone for tracking child's location

Oh my gosh. As a parent of a CPS student who busses, I completely see how this can happen. Every single day I feel like I am sweating it until both kids are home in hand. We have explored the following devices for our kiddo: - Relay by republic wireless, but it doesn’t interface with iOS with full ...
by TheOscarGuy
Thu Jan 24, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Phone for tracking child's location
Replies: 20
Views: 1330

Re: Phone for tracking child's location

Am I the only one who finds the OP's original post incredible? How can this be tolerated? Chicago public school. And one of the better ones in a very nice area. The father, mother and nanny were all crying and distraught. Even worse, when the child didn't show up on the bus and the school was calle...
by TheOscarGuy
Wed Jan 23, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Phone for tracking child's location
Replies: 20
Views: 1330

Re: Phone for tracking child's location

To make a long story short, a 5 year old family member has gone missing twice in the last 3 months from school causing great distress. It was mix-ups between school, after school programs, busing and nanny (never her fault though). I suggested getting a phone and cheap prepaid data plan and making ...
by TheOscarGuy
Mon Jan 21, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What should be the minimum income to consider living in a HCOL?
Replies: 29
Views: 2884

Re: What should be the minimum income to consider living in a HCOL?

My options (please vote) : - Move to another state (is $113K/yr income too low to live in NJ?) - Stay in the low rent apartment and save to buy a house (may be saving more than 20% to make it worth?) which will take years. Again, sleeping will be an issue meanwhile - Moving to a different higher re...
by TheOscarGuy
Mon Jan 21, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 145
Views: 8959

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

Eddie Bauer Travex Meets all your requirements. Note: some of the credit cards offer reward miles and also include a statement credit for global entry application fee. I can't recall off the top of my head which cards had this feature, but I know some did and we took advantage of it. Should be easy...
by TheOscarGuy
Sun Jan 20, 2019 6:21 am
Forum: Personal Investments
Topic: Stay the course is hard
Replies: 74
Views: 7825

Re: Stay the course is hard

Last year has been very interesting. US equities did quite well in the beginning, and because of that, I put money into bond and international to keep my AA correct. In October, international YTD return was negative while I think US equities made money. Sometimes I was wondering if did the right th...
by TheOscarGuy
Sun Jan 20, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3225

Re: Best Credit Card for International Travel

We travel internationally for pleasure a few times a year, and I am looking for recommendations on a credit card with no foreign transaction fees and preferably no annual fee. I have been using a BOA card I've had for years, and only use when overseas, but their customer service has become atrociou...
by TheOscarGuy
Sun Jan 20, 2019 6:03 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11406

Re: Are You Dumping Netflix?

It is very small price increase compared to what it offers us. There is a lot of value netflix gives us.
by TheOscarGuy
Sun Jan 20, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5239

Re: Is California worth the premium?

I had the chance to live in Santa Barbara for half a year and absolutely loved having the ocean in my front yard and mountains in my backyard as I love being outdoors and active. But it's sooo expensive. Median home prices $1.2 million and I'm not sure I'd be thrilled with those...compared to my < ...
by TheOscarGuy
Sat Jan 19, 2019 7:11 am
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7557

Re: The NY Times calls us a cult but in a good way

The NY Times devoted another three pages to Jack Bogle on Friday. And they managed to give Bogleheads a nod but neglected to note our forum. Here is hoping the ones that can benefit from Bogleheads.org will search for us. https://www.nytimes.com/2019/01/17/your-money/jack-bogle-vanguard.html “He al...
by TheOscarGuy
Thu Jan 17, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3910

Re: Fun with Amazon

tea_pirate wrote:
Thu Jan 17, 2019 10:51 am
TheOscarGuy wrote:
Thu Jan 17, 2019 10:24 am
I don't understand why you have put names in quotes.
I noticed the same thing. I doubt if John, Bill, and Sarah had answered the chats that the names would be in quotes.
:happy
by TheOscarGuy
Thu Jan 17, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3910

Re: Fun with Amazon

Earl Lemongrab wrote:
Thu Jan 17, 2019 12:37 pm
I generally assume that these chat reps are not using their real names. Maybe Vivek.
Don't you think they would use different names if they have to use fake names, to service someone in North America.
:?
by TheOscarGuy
Thu Jan 17, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3910

Re: Fun with Amazon

I should also state that name of customer representative by itself does not indicate that support is offshore. Amazon hires a significant number of engineers from the Asian subcontinent to work in US. In my experiences, I have always had pleasant dealings with amazon's customer service.
by TheOscarGuy
Thu Jan 17, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3910

Re: Fun with Amazon

Today I received an email from Amazon: "Get a $15 credit when you buy $50 in Amazon Gift Cards". Well, that's nifty. A guy like me deserves something like that. Then I click on the "Learn More" link and get, "Unfortunately, you are not eligible for this offer." What! Have I been punked by Amazon? I...
by TheOscarGuy
Wed Jan 16, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49241

Re: Thank you for helping millions of people

Thank you for all you have done!
R.I.P.
by TheOscarGuy
Tue Jan 15, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3353

Re: Winter boot recommendation

I need some boots for Chicago winters. I took advantage of REI's Cyber Monday sale to try a couple Sorels; though they were both the same size, one was way too big and the other way too small (had I not known the size, I would've guessed two sizes bigger and two or three sizes smaller than what I o...
by TheOscarGuy
Thu Jan 10, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mint.com
Replies: 10
Views: 1554

Re: Mint.com

I have been using mint.com for a decade, personally it helped me a lot to develop the discipline i needed to be more methodical. Now a days I get only useless alerts. Its budgeting and trend features are becoming painful to navigate, old closed accounts are piling up. Has anyone felt the need to de...
by TheOscarGuy
Tue Jan 08, 2019 1:04 pm
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4656

Re: Nobody asked me but

Shackleton wrote:
Fri Dec 28, 2018 9:44 am
I think I know why no one asked you...
:D
by TheOscarGuy
Tue Jan 08, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2700

Re: Need a little insight from STEM Bogleheads

My GF and I are very different when it comes to money. I’m very fickle while she’s relaxed. Now my GF has a masters in theoretical mathematics and teaches high school for the last 7 years and absolutely dreads it. Her thinking is if she gets her doctorate she can teach at the college level since it...
by TheOscarGuy
Mon Jan 07, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7225

Re: Strategies to combat or justify lifestyle creep

So much of what we spend on is unnecessary, how do you decide what you can spend on without guilt? How do you ever decide that spending the money on the vacation is worth it? How do you decide when inflating your lifestyle is worth it? Where do you draw the line between comfort and luxury or fun an...
by TheOscarGuy
Wed Jan 02, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2221

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

I only track things that are 'variable' in a monthly budget. Any expenses that are 'regular' e.g. gas bill, HO/auto insurance, etc. get looked at every few months but not regularly, and do not get tracked. I figure lesser things to track, the better I maintain my sanity. It has worked quite well, I ...
by TheOscarGuy
Wed Jan 02, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

I have the Bose 35; https://www.bose.com/en_us/products/headphones/over_ear_headphones/quietcomfort-35-wireless-ii.html#v=qc35_ii_black The headphones work well, but won't help you with a crying baby. I believe you can get them at Costco. Costco does not stock crying babies :D I second Bose quiteco...
by TheOscarGuy
Wed Jan 02, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2542

Re: Snow Plowing

Assuming you live in a northern climate, do you pay somebody to do your snow removal or do you do it yourself? I am curious how the numbers will come out. Bogleheads are a thrifty group who might well think it too expensive to hire out such work. Of course many Bogleheads have a fair amount of mone...
by TheOscarGuy
Mon Dec 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: spent too much? festive season gifts
Replies: 25
Views: 2158

Re: spent too much? festive season gifts

During this festive season, are there any general spending guidelines? I spent 1% of my yearly income on presents for my family. I still have time to return, but dont know what guidelines people use. Is there any basic rule to follow for gifts. I dont spend as much as you do. I do end up giving gif...
by TheOscarGuy
Sat Dec 22, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3917

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

Hello, I have some big ticket purchases to make over the next few months (wedding venue related) where I need to make multiple payments of $5000. I get 2% cash back with citi so I was going to use that card to pay. My citi card has a credit limit of $7.5K. I was going to try to use this card to get...
by TheOscarGuy
Fri Dec 21, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: 401k artificially inflating net worth?
Replies: 88
Views: 4897

Re: 401k artificially inflating net worth?

Two guys with 1M net worth: a) first guy has 1M in taxable with NO gains (equivalent to 1M in cash) b) second guy has 1M in a 401k. At that very *INSTANT IN TIME* the first guy is worth more. The net worth calculation is overstating the true value of the second guy. Why are these two guys comparing...
by TheOscarGuy
Mon Dec 17, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Value of mega backdoor Roth
Replies: 4
Views: 805

Re: Value of mega backdoor Roth

How do you value access to contribute after-tax 401k funds and convert to Roth? Context: compare job offers. One company allows after-tax-to-roth. The other doesn't. What $ value do I attach to the former? * Assume some capital gains tax rate(24%), ROI (5%) and contribution amount ($28k) * Assume s...
by TheOscarGuy
Fri Dec 14, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: MA auto/home/umbrella insurance
Replies: 7
Views: 519

Re: MA auto/home/umbrella insurance

Thank you, for all the suggestions. I have reached out to a few agents.
by TheOscarGuy
Fri Dec 14, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: MA auto/home/umbrella insurance
Replies: 7
Views: 519

Re: MA auto/home/umbrella insurance

Google has many choices. insurancequotes dot com is just one. No knowledge of it. BUT, the usual recommendation is to find a live independent agent run such a search. If you do this on line, be prepared for A deluge of spam and phone calls. Thanks, Yeah I usually look for agents in the area. I thou...
by TheOscarGuy
Thu Dec 13, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: MA auto/home/umbrella insurance
Replies: 7
Views: 519

MA auto/home/umbrella insurance

I am shopping around for insurance as there was a slight increase in my current premiums. I can't remember the post, but someone posted a website for getting quotes from multiple insurance companies (kind of like life insurance quotes through a single website). Anyone know where I can get quotes fro...
by TheOscarGuy
Wed Dec 12, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 52
Views: 2680

Re: Hyatt Legal Plan for Will and Trust

Make sure that when you have wills and/or trusts done, that the attorney provides a written list of instructions for the executor(s) at time of death. This allows an executor to not have to spend money needlessly if there is no need for an attorney. Very often attorneys do not do this, because they...
by TheOscarGuy
Wed Dec 12, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4140

Re: Donate to homeless?

This time of year homeless panhandlers seem more visible than ever with the weather cold and holidays approaching. Today a lady on the sidewalk asked me how I celebrate - Christmas, Kwanza or Hannukah? Is it a good idea to give a couple dollars to such people? Seems quite mean to ignore them. What ...