Search found 3537 matches

by DaftInvestor
Wed Feb 21, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8953

Re: Do you wear a wedding band? [at a job interview]

Also - depending upon the type of job/role - I have found single people can be far more dedicated to the job, especially requiring travel and periods were longer hours were required. No having to be home for kids events, graduations, birthdays, etc. If that's your attitude towards your employees (y...
by DaftInvestor
Wed Feb 21, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8953

Re: Do you wear a wedding band? [at a job interview]

You aren't supposed to use marital status in hiring decisions. Daft....Refer to my quote: It isn't what you know, or even what you think; it is what you can prove. I do not understand this response. Marital status is explicitly subject to EEOC in most states and most jobs. A hiring process that pre...
by DaftInvestor
Wed Feb 21, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 23
Views: 2015

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

Please excuse my lack of knowledge, but I'm unsure of what I'm looking at.. Do these charts imply that we should invest in all 3 caps as opposed to just the total stock market? All 3 caps are included in Total Market - weighted based upon market weighting. What some of us do is add some additional ...
by DaftInvestor
Wed Feb 21, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 23
Views: 2015

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

Any particular reason you don't have MCB added to these charts? It would be interesting to see LCB, MCB, and SCB plotted against TSM (e.g. - take out the Value Factor - I would expect LCB and TCM to track closely - you have already shown how SCB tracks - I'd be curious to see how MCB tracks). I was...
by DaftInvestor
Wed Feb 21, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 23
Views: 2015

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

Awesome blog post and nice summary. I sometimes look at this simply by going to morningstar and finance.yahoo and plotting the corresponding Vanguard funds (although they don't go back to 1927). Any particular reason you don't have MCB added to these charts? It would be interesting to see LCB, MCB, ...
by DaftInvestor
Wed Feb 21, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 157
Views: 14419

Re: Ordering a Weber grill this week

^ I've had my Weber for 15 years without a cover. I believe the cover can do more to harm the grill than help it by trapping-in moisture - I too believe you are better off without one. curious if you get a lot of snow where you live and if tthat would make a differernce whether a cover makes sense ...
by DaftInvestor
Wed Feb 21, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 35
Views: 1985

Re: Current Vanguard password practices?

Epsilon Delta wrote:
Wed Feb 21, 2018 4:11 pm
DaftInvestor wrote:
Wed Feb 21, 2018 3:57 pm
Walker-down-the-street: I just want to know the time!
Respondent: It's time for you to buy a watch. :twisted:
I was expecting some smart-a@@ to say "I don't need a watch - I have a smart-phone" :)
by DaftInvestor
Wed Feb 21, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 35
Views: 1985

Re: Current Vanguard password practices?

Why don't folks check with the "Source" before asking questions here? Also - people always seem to veer off topic - before you know it we will be talking about all kinds of cybersecurity threats and thwarts. God forbid! /s Well, I think the devil is in the details. I didn't like it when there was a...
by DaftInvestor
Wed Feb 21, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1329

Re: Clever phishing -- be careful!

A couple of weeks ago I got an email supposedly from Wells Fargo claiming that there was fraudulent activity on my account and I needed to follow a link to verify my identity and reset my password, etc. Obviously it was a fraud, but especially so since I don't have any accounts at WF. Obviously the...
by DaftInvestor
Wed Feb 21, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 35
Views: 2154

Re: Good Hotel in DC

JW Marriott - only a couple of blocks from the mall/Smithsonian, near the White House, nice lobby/place/etc - nearby Restaurants.
by DaftInvestor
Wed Feb 21, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1329

Re: Clever phishing -- be careful!

They knew his name, account number, and purchase history. So they were already hacked into his account? I wonder if he had a weak password or if Wells Fargo themselves got hacked or if he already clicking on a phishing website and gave away his credentials (latter is most likely). What happened nex...
by DaftInvestor
Wed Feb 21, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Make sense to setup 529 for high school junior?
Replies: 17
Views: 1181

Re: Make sense to setup 529 for high school junior?

Hello, my kid is going to be ready for college in a couple of years. I never opened a 529 in the past. I have enough funds at present to maybe pay for a couple of years of college (about $100K). Does it make sense to take some of that money and setup a 529 now, or should I just leave it a regular s...
by DaftInvestor
Wed Feb 21, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Need VISA - 1.5% plus mobile alerts
Replies: 4
Views: 178

Re: Need VISA - 1.5% plus mobile alerts

Do you really need a VISA card? I think Visa and Mastercard are pretty much both excepted everywhere now. If you aren't hung up on Visa for some reason I'd go with the Citi double-cash-back mastercard - 2% back on everything and their App supports mobile alerts (I have mine to alert on only over a t...
by DaftInvestor
Wed Feb 21, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8953

Re: Do you wear a wedding band? [at a job interview]

It's not ridiculous. A man's ring sends different signals to prospective employers and women. To an employer it's a signal that a man is stable, is less likely to waste himself after work, and is motivated to make money. To a woman it's a signal that a man is unavailable. Victoria....Call me old-fa...
by DaftInvestor
Wed Feb 21, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 88
Views: 3595

Re: What UN-frugal thing do you do?

OP: If you search for the word "Splurge" you will find many multi-post threads on this topic. Here is a recent one: https://www.bogleheads.org/forum/viewtopic.php?t=222627 We regularly spend money on good quality food. Many take better care of their cars than their bodies. We have always also splurg...
by DaftInvestor
Wed Feb 21, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be "in cash"?
Replies: 21
Views: 1230

Re: What does it mean to be "in cash"?

Essentially it means you don't take any financial advise from the person stating it (If they say "I am all in cash") as they are a market timer :happy Change the topic to sports, etc. when someone makes this statement to you - they will think they are smarter than you and they won't change their min...
by DaftInvestor
Wed Feb 21, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 35
Views: 1985

Re: Current Vanguard password practices?

Why don't folks check with the "Source" before asking questions here? Also - people always seem to veer off topic - before you know it we will be talking about all kinds of cybersecurity threats and thwarts. To answer the OPs question: A quick search on Vanguard for "password requirements" tells me ...
by DaftInvestor
Wed Feb 21, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 44
Views: 4737

Re: Staying Motivated: How do you ward off hopelessness?

Wake Up . Take Charge. Manage Or Be Managed. Live Beneath Your Means Budget. Save . Invest. Discipline day in day out. Focus on your financial goals and let nothing derail your. There will be bumps in the road, Get Exercise and keep the Body and MIND Sharp Life is supposed to be Tough. Embrace it ....
by DaftInvestor
Wed Feb 21, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Understanding an ETF by it's Name
Replies: 24
Views: 780

Re: Understanding an ETF by it's Name

alex_686 wrote:
Tue Feb 20, 2018 10:36 pm
DaftInvestor wrote:
Tue Feb 20, 2018 12:42 pm
I guess its like American Baseball - the "World Series" - what World teams play outside the US?
Toronto Blue Jays. They won it back in 92.
:) - Okay - I should have said outside North America :)
by DaftInvestor
Tue Feb 20, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 785

Re: Paying off car loan good for credit?

Types of credit/debt account for 10% of your score. If you don't have revolving debt your score could drop by up to 10%. When I paid off my mortgage and no longer had any car loans my score dropped by about 5% and remains in that range - still excellent but not what it was with a car loan. That's s...
by DaftInvestor
Tue Feb 20, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 154
Views: 10412

Re: I'm Cancelling My Home Insurance

willthrill81 wrote:
Tue Feb 20, 2018 9:38 pm
For good or bad, this thread is another good illustration of the fact that Bogleheads, by and large, are a risk averse bunch.
I was thinking the opposite.
Outside of the bogleheads I'm not sure if the thought of going without home owners insurance exists.
by DaftInvestor
Tue Feb 20, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 785

Re: Paying off car loan good for credit?

Types of credit/debt account for 10% of your score. If you don't have revolving debt your score could drop by up to 10%.
When I paid off my mortgage and no longer had any car loans my score dropped by about 5% and remains in that range - still excellent but not what it was with a car loan.
by DaftInvestor
Tue Feb 20, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 38
Views: 3200

Re: Safe to file taxes now?

Mike Scott wrote:
Tue Feb 20, 2018 9:08 pm
The retroactive changes in tax law made a couple of weeks ago probably will not show up for some time. I suppose I can either wait, file an extension or do an amended return when the forms are finally updated.
What Retroactive changes impact you?
by DaftInvestor
Tue Feb 20, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 38
Views: 3200

Re: Safe to file taxes now?

I filed. I didn't want to risk waiting.
by DaftInvestor
Tue Feb 20, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 23
Views: 1496

Re: Alaska Cruise Suggestions

I think you could do an Alaskan cruise with an infant. I've definitely seem them (although rarely) on some cruises we've been on. Some of the excursions off the Alaskan cruises not suitable for infants could be skipped. If you get a room with a balcony you can enjoy the calving glaciers, whales, puf...
by DaftInvestor
Tue Feb 20, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: How big is the 'Madoff risk' -- All of your money at one advisor?
Replies: 21
Views: 2416

Re: How big is the 'Madoff risk' -- All of your money at one advisor?

If you follow the Boglehead philosophy and keep things simple the real question is why do you need the independent firm at all managing your money? Why not work directly with Schwab and, if you need to, pay a fixed fee to the firm for their advise? Its hard to know what your exposure is without know...
by DaftInvestor
Tue Feb 20, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2501

Re: Connecticut is charging sales tax on out of state purchases

Mass tried to do this with over the border stores in New Hampshire (no sales tax state). The New Hampshire told Mass to pound sand. Fortunately, Mass has extensive oceanfront beaches to get that sand from. Mass did successfully get Amazon and several other online large retailers to start charging (...
by DaftInvestor
Tue Feb 20, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Understanding an ETF by it's Name
Replies: 24
Views: 780

Re: Understanding an ETF by it's Name

Total Bond Market does not include TIPS, high-yield, munis, etc. Not to mention that Vanguard Total Bond Market (BND) is also only US bonds (same holds true for Total Stock Market as stated above). I guess its all in how you define a term. "Total" is in perspective of the "Total Investment-Grade US...
by DaftInvestor
Tue Feb 20, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2123

Re: Seeking Cruise Suggestions

Alaskan, Baltic Sea, Mediteranean cruises are all nice and have educational elements.
Princess and Celebrity cruises draws over 40 crowd - som families but not as many as others.
by DaftInvestor
Sun Feb 18, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10573

Re: What has been your most important skill in achieving financial independence?

Work ethic and drive and directing my career into something with more earnings potential than my initial career.
by DaftInvestor
Sun Feb 18, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8953

Re: Do you wear a wedding band?

I don't leave the house without it - if I didn't have it on I would have to beat the women off with a stick.
by DaftInvestor
Sat Feb 17, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4850

Re: Best plants to grow to save money for food costs

Inside or outside? Do you have space for a large outside garden? Also, for outside, depends upon what region you live in. Tomatoes, cucumbers, zucchini, ..., can all be easily grown for cost savings (and perhaps enjoyment).
by DaftInvestor
Fri Feb 16, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 154
Views: 10412

Re: I'm Cancelling My Home Insurance

Who's your umbrella policy with? Did you check with them to see what your rate will be WITHOUT homeowners (if they even allow it). You may save $X per year on your home-owners but than have to pay it for your Umbrella (they may raise your rate due to the increased exposure they take on). My Umbrell...
by DaftInvestor
Fri Feb 16, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 154
Views: 10412

Re: I'm Cancelling My Home Insurance

Who's your umbrella policy with? Did you check with them to see what your rate will be WITHOUT homeowners (if they even allow it). You may save $X per year on your home-owners but than have to pay it for your Umbrella (they may raise your rate due to the increased exposure they take on). My Umbrella...
by DaftInvestor
Fri Feb 16, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax & Form 8606
Replies: 9
Views: 1099

Re: TurboTax & Form 8606

John151 wrote:
Thu Feb 15, 2018 11:22 pm
I filed my federal income taxes this evening with FreeTaxUSA, and the IRS accepted my return in about an hour.
I filed via TurboTax this morning (after updating including the new 8606)- Return accepted about 35 minutes after submission.
by DaftInvestor
Fri Feb 16, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds - now or later in the year?
Replies: 7
Views: 1025

Re: I Bonds - now or later in the year?

The variable rate will be whatever it is whether you buy now or later. With the fixed rate - who knows - they could drop it back to 0% or perhaps they double to 0.2% - on $10,000 you will lose or gain $10 yearly with such a change so nothing much to go crazy over. They could do something more drasti...
by DaftInvestor
Fri Feb 16, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Just wondering if you do this...
Replies: 10
Views: 1689

Re: Just wondering if you do this...

Yes, of course. The biggest bucket outside retirement is kids-college - 529 plans with tax-free growth for 20 years. But I do avoid all the risky/speculative types of investments you mention (crowdfunding, peer-to-peer lending, tax liens, etc.) - an appropriate mix of equity-index, bond-index, CDs, ...
by DaftInvestor
Fri Feb 16, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: How Not to Get Rich - Mark Twain
Replies: 17
Views: 3421

Re: How Not to Get Rich - Mark Twain

Ken Burns did a documentary series called "American Lives" that included an episode on Mark Twain - it was well done.
If you are an Amazon Prime member you can stream it as part of your membership.
by DaftInvestor
Fri Feb 16, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6434

Re: How to get child's skin in the game for college?

I also don't believe the "Skin in the game" philosophy. My kids work hard and I am happily funding 100% of their education. I let them keep their job money for spending money (of course one works 16 hours weekly in a "Non-Paid" internship in addition to full-time school so no time for job). I gradua...
by DaftInvestor
Fri Feb 16, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 29
Views: 1857

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

Just make sure you check out the distance/driving time from Boston to Bah Habah so you allow plenty of driving time. The NH-Maine state line isn't very far from Boston but once you get into Maine you still will have a long haul ahead of you. Maine is bigger than many people realize. But Acadia is w...
by DaftInvestor
Wed Feb 14, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5598
Views: 1264203

Re: U.S. stocks in freefall

Cheers to those who held... shots for those that bought more! What about those of us who wanted to buy more, but hadn't kept any dry powder aside to do so. :) You are probably still ahead - for example: if you were holding dry powder for the last two years waiting for this correction you would be b...
by DaftInvestor
Wed Feb 14, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3914

Re: Going Paperless Issues

Vanguard would charge for paper statements, so not paying a fee is just as good. I don't believe that VG is charging me any more for the paper statements that I receive. The fees are here: https://investor.vanguard.com/investing/account-fees The $20 annual paper-document fee is waived if you have o...
by DaftInvestor
Wed Feb 14, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 71
Views: 6456

Re: New cars or Pool?

No pool. You can read my thoughts here: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=240348&p=3765533#p3765533 I recommend reading the whole thread there. It's basically a "Should I get a pool or not?" thread. OP asked the question a year ago so may have made a decision by now. In any case...
by DaftInvestor
Wed Feb 14, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6604

Re: Honda vs. Toyota: Which has more bang for the buck?

My anecdotal experience after having both Toyota's and Honda's are that Toyota's give more bang for the buck for the following reasons: 1) Equally as good records (vary by model of course). 2) Honda service has costed more in my experience. Call local service shops and compare 30K service on a Honda...
by DaftInvestor
Wed Feb 14, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1578

Re: Obligation to use car insurance proceeds?

3) as has already been said, you may take a financial hit on trade-in or selling if you don’t repair it, or you may not get paid if you get hit again in the same area. That’s just a decision you have to make. Your likely to take a financial hit even if you DO repair it. As soon as someone sees "ACC...
by DaftInvestor
Wed Feb 14, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1578

Re: Obligation to use car insurance proceeds?

I don't think so from a legal NOR a moral standpoint. Legally - if you don't repair the damage - "prior damage" could be deducted from a future claim. Morally - since whether you repair the damage or not you are STUCK with car that will be de-valued at trade it. (essentially ANY accident shows up on...
by DaftInvestor
Wed Feb 14, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3377

Re: rule of thumb of when to sell your car

LiterallyIronic wrote:
Wed Feb 14, 2018 10:32 am
DaftInvestor wrote:
Wed Feb 14, 2018 10:22 am
My own personal rule of thumb is 10 years / 100K miles.
That made me laugh. That's my own personal rule of thumb for what kind of car to buy. It has to be at least 10 years old with at least 100,000 miles on it.
I'll PM you next time my car hits the limit :)
by DaftInvestor
Wed Feb 14, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11081

Re: Did you learn anything from the market correction?

I learned from a financial columnist that You can no longer trust the 200-day moving average as a stock-market indicator. Just as I learned that I could no longer trust my lucky rabbit's foot when I slipped on the banana peel and fell down the manhole and had the anvil land on me. I learned that th...
by DaftInvestor
Wed Feb 14, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 64
Views: 3652

Re: Is This Action by Megacorp Legal?

So this begs the questions: 1) When he called Fidelity and asked them if there should have been advanced notice what did they say? 2) When he called Megacorp HR and asked them if there should have been advanced notice what did they say? And lastly - as was asked above: 3) If he is checking his bala...
by DaftInvestor
Wed Feb 14, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3377

Re: rule of thumb of when to sell your car

My own personal rule of thumb is 10 years / 100K miles.
For my wife its when the mood strikes her :)

Some car changes for us have happened due to life changes (more kids requiring another vehicle, wanting to pass car down to child, etc.).