Search found 14 matches

by Satin
Mon May 28, 2018 6:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Mid Peninsula, California Chapter Interest?
Replies: 12
Views: 2578

Re: San Francisco Mid Peninsula, California Chapter Interest?

Found this thread too late for the May 3 meeting, but would love to join the next one. Any thoughts when the next meeting might be?
by Satin
Thu Jan 18, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: 10 years expenses in FI
Replies: 49
Views: 5571

Re: 10 years expenses in FI

Been thinking about something similar. Right now we have about 8 years’ expenses in fixed income, and that puts us around 70/30. If we decide to cap our fixed income at 8x expenses, then that means we’ll let the equity side grow as the market rises, instead of regularly rebalancing to 70/30. Same th...
by Satin
Sun Dec 10, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53964

Re: That Extravagant Thing You Do

This was fun to read! Lots of interesting recommendations.

Right now our splurges are better food, and travel to see family. I think I'm inspired to visit our local butcher this week, instead of buying meat from our usual supermarket.
by Satin
Fri Nov 10, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 2159

Re: When would you take a part-time option?

Spouse and I are a tad under 4% withdrawal rate. Spouse is part-time, I'm full-time but going part-time soon. We don't mind the work, especially since we're doing it by choice. When we get to 2% (or 3% for our "livin' large" budget), we might reconsider. Although we're fairly young so having employe...
by Satin
Sat Oct 14, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 17
Views: 3233

Re: Citi Price Rewind iPhone 7 Did They Pay You?

The form submission doesn't just tell them about your request, you also submit proof of the lower price so they can credit you even if their tracker doesn't find it. I usually go to the web page showing the lower price, like the Apple Store in your case. Then print to PDF and include the header/foot...
by Satin
Mon Mar 30, 2015 10:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 32369

Re: San Jose, CA Area Bogleheads Chapter

I plan to attend as well.

jc42, (or any of the organizers)

would you PM me the address for the event?

Looking forward to it!
by Satin
Thu Jan 22, 2015 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Advice: cancel insurance (1035 exchange) or keep?
Replies: 1
Views: 381

Advice: cancel insurance (1035 exchange) or keep?

We bought whole life insurance years ago, before we understood about buying term and investing the rest :( After reading threads here and looking at EmergDoc's blog, I requested an in-force illustration. If I've interpreted it correctly, guaranteed growth of the cash value is 0.65% to the 2016 anniv...
by Satin
Sat Jan 03, 2015 7:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Bay Area Bogleheads?
Replies: 21
Views: 5633

San Francisco Bay Area Bogleheads?

Hi, is there still an active chapter for the San Francisco Bay Area?

If not... anyone interested in meeting up for Saturday morning coffee or Friday evening drinks sometime, maybe around Palo Alto? (midway between SF and San Jose)
by Satin
Fri Nov 14, 2014 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 8417

Re: Not qualified for my job - what to do?

Present said boss with a couple options, like "I am not happy with how quickly I did X. I would like to do X faster, and if I had training in technology Y, or mentoring by an expert in technique Z, I think I xould have done X at the velocity I wanted." That may take some soul searching to figure ou...
by Satin
Sun Nov 09, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 1295

Re: Cost of Living vs Networking & Career Growth Opportuniti

We moved from a low cost area, to high cost, to very high cost. Generally we found that although our savings percentage went down, the absolute dollar amount we saved went up. Still a ways from retirement, but we are thinking of maybe staying in our current HCOL location when we stop working. Of cou...
by Satin
Tue Jan 07, 2014 11:53 pm
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 3443

Re: How are Vanguard fund managers paid?

hlfo718 - thanks for the tip about the Statement of Additional Information. That was very helpful. Searching for "bonus", one of the SAIs for Vanguard's index funds says: A portfolio manager’s bonus is determined by a number of factors. One factor is gross, pre-tax performance of the fund relative ...
by Satin
Tue Jan 07, 2014 1:10 am
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 3443

How are Vanguard fund managers paid?

I like Vanguard's client-owned corporate structure. I'm curious about how Vanguard fund managers are compensated - tried a search but couldn't find any articles or Vanguard communications on this specific question. Does anyone know if Vanguard fund managers are paid purely on base salary, or if they...
by Satin
Sun Dec 22, 2013 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: [Distribution of Estate to Heirs in the Philippines]
Replies: 25
Views: 4395

Re: Distribution of Estate to 3rd World Country

EZ James, do you mind sharing which state you live in? Depending on where you are, forum readers may be able to help point you to a Philippine bank with branches in your state, or try and connect you with a live person at the nearest consulate. Citibank transfers are easy. However, as Kramer wrote, ...
by Satin
Mon Dec 16, 2013 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing job offer negotiation (game theory?)
Replies: 13
Views: 1604

Re: Optimizing job offer negotiation (game theory?)

Hi, if your multinational is anything like those I've worked at, these tips might help... +50% counteroffer is a bit steep. Can he tell if the hiring manager agrees he is the best/only candidate for the job? Would the manager be willing to go to bat for your friend with HR? Is your friend able to ge...