Search found 508 matches

by malabargold
Wed Jan 16, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best kids savings account
Replies: 22
Views: 1797

Re: Best kids savings account

For basic bank skills USAA
by malabargold
Fri Jan 11, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Company relocating and not interested - next steps ?
Replies: 48
Views: 3691

Re: Company relocating and not interested - next steps ?

No magic solution.
Something has to give.
Better for you to decide what that will be than a forum.
by malabargold
Fri Jan 11, 2019 12:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4601

Re: Vanguard explains the increase in ex-us allocation

But if you’ve been overweight US and tech the last
decade you are way ahead of ex-US,EM, and will remain
so for quite some time to come

These things all tend to wash out in the longer runs
by malabargold
Tue Jan 08, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7129

Re: Engineering school

Nice!
by malabargold
Tue Jan 08, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2774

Re: Balsam Hill - Defective Christmas Tree

Consider

1. getting a real tree (preferably potted)
-world does need any more plastic junk

2. Chilling a bit
by malabargold
Sun Jan 06, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7129

Re: Engineering school

Can’t imagine a hiring manager in STEM not knowing
Harvey Mudd
by malabargold
Fri Dec 28, 2018 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Why I became a Boglehead
Replies: 22
Views: 3108

Re: Why I became a Boglehead

Fear and greed
by malabargold
Fri Dec 21, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18289

Re: Are we in trouble?

I’d sell both houses and live a little lower on the hog.

Nothing like the feeling of living well below one’s means, investing consistently, and the freedom from worry it provides.
by malabargold
Mon Dec 17, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19524

Re: Favorite Purchase of 2018?

Stocks. Same as always.
by malabargold
Sun Dec 16, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 894

Re: Birdwatching telescope recommendations

Astro-Physics Stowaway F5
by malabargold
Mon Dec 03, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10810

Re: Why is Costco gas so much cheaper

Spread is greater when oil is dropping because they
buy daily

Spread is negligible when oil is rising.
by malabargold
Tue Nov 20, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2492

Re: Good oil for cooking and salad?

As far as health concerns go, olive oil is the choice, period.
by malabargold
Tue Nov 06, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Roth in a high tax bracket
Replies: 14
Views: 1551

Re: Roth in a high tax bracket

If the intent is for the Roth to be inherited by your kids,
it’s almost always a good move.
by malabargold
Sun Nov 04, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4199

Re: Mice

One cat in the house
Scrap the poisons
by malabargold
Sun Nov 04, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6124

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Used AMG station wagon
Promise you’ll have barrels
of fun
by malabargold
Thu Oct 25, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Making a substantial gift to a college
Replies: 27
Views: 2119

Re: Making a substantial gift to a college

Beginning to be a backlash against that type of admission
practice on campuses - see Harvard lawsuit.

However if that is your rationale, I suspect it will carry more
weight to give it closer to application date.
by malabargold
Sat Oct 06, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13227

Re: What purchase saved you the most money?

Buying up stocks like crazy in 2008-10
Buying up houses in 20011-12
by malabargold
Sat Sep 29, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: 99% invested in stocks, bond recommendations please?
Replies: 19
Views: 2594

Re: 99% invested in stocks, bond recommendations please?

Second hulburt1 Almost all stocks here too since the 1960’s Prefer ownership investments to loans: Very much depends upon on one’s temperament and ability to live well below one’s means It’s made us wealthy - and now, near retirement age we have the luxury to maintain that allocation because even th...
by malabargold
Sat Sep 15, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mom has retired and I need to help
Replies: 12
Views: 2185

Re: Mom has retired and I need to help

Is her pension COLA? If so I’d personally put 70% total stock, 30% total bond Even after a long bull in equities anticipated real returns for bond over the next 10 years are poor And since you are a high earner don’t hesitate to give her extra to enjoy early retirement - while she is young enough to...
by malabargold
Sat Sep 15, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6241

Re: Vacation house? Need objective third party

Don’t buy houses you can’t get to , inspect/work on, and get back from within a day Also for better or worse, summers have changed drastically for most motivated kids - attending TIP programs, specialized camps, pseudo internships, not lazing around lakes. One malady of many affluent parents, raisin...
by malabargold
Tue Sep 11, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5336

Re: Advice on how to deal with barking dogs

Address the animal cruelty that is happening by
Calling the authorities - police and animal welfare.

They should not divulge your name.

The dogs’ problem and yours will both be solved
by malabargold
Sat Sep 08, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Getting Top Dollar for Selling our Condo
Replies: 16
Views: 1332

Re: Getting Top Dollar for Selling our Condo

Wouldn’t worry about upgrading or getting top dollar for anything with chronic recurring leakage.
Count yourself lucky if you can dump the problem on someone else.
by malabargold
Sat Aug 11, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10328

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

Anytime there’s been a long bull market prospects for new
invested money dim in the short run and a recession obviously
draws nearer.
No reason to stop investing in equities if you can hold on
through the coming dips
by malabargold
Wed Aug 01, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Best schools for an IB internship
Replies: 17
Views: 1537

Re: Best schools for an IB internship

Check out Babson College
by malabargold
Tue Jul 31, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 51017

Re: MoviePass-Too good to be true, but it's legit.

I doubt the fee they charge nor the restrictions put in place
will matter.
People will only continue to subscribe if they get more out
than what they put in.

Flawed business model.
by malabargold
Tue Jul 31, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: The only asset class offering a discount
Replies: 11
Views: 1566

Re: The only asset class offering a discount

Is the correct answer cash?
by malabargold
Mon Jul 30, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 201
Views: 14808

Re: Joint Ownership of home with second wife

not going to end well
by malabargold
Mon Jul 30, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6342

Re: Talk to me about Le Creuset

Buy the factory seconds from the outlet stores.
Looks and cooks same as the “firsts” for less than 1/2 cost.
by malabargold
Mon Jul 30, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5813

Re: ACT test - got 34, try for 36?

Agree that Chicago is the most rankings-hungry school out there.
Please note They have stopped requiring standardized test scores.
by malabargold
Mon Jul 30, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5813

Re: ACT test - got 34, try for 36?

BTW
Univ Chicago stopped considering SAT and ACT scores
That’s how little most competitive schools think of them!
by malabargold
Mon Jul 30, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5813

Re: ACT test - got 34, try for 36?

Ultra competitive schools rely on far more than standard scores.
It’s merely a threshold indicator, the first and lowest, bar to pass before the real competition for admission begins
by malabargold
Mon Jul 30, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5813

Re: ACT test - got 34, try for 36?

As far as getting into the ultra-competitive universities a 34 (but not a 33 or lower) is enough. That just passes the threshold for standardized testing. However, the real competition for admission just begins at that point: besides grades, essays, character, recommendations, EC’s, socioeconomic st...
by malabargold
Mon Jul 30, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: Is it 1937 all over again?
Replies: 45
Views: 6615

Re: Ray Dalio: Is it 1937 all over again?

Isn’t part of a hedge fund manager’s sworn duty to make pronouncements that arise fear and/or jealousy in the public
at large so they come running to them to handle their assets?

Tell me the next time you see a lot of talking heads on CNBC
own up to a litany of mistakes and underperformance.
by malabargold
Mon Jun 04, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Boston trip with small kids
Replies: 19
Views: 1761

Re: Boston trip with small kids

Doubt they will remember much if any thing at that age!
by malabargold
Sat May 26, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 32
Views: 2612

Re: 3 days in Boston with an 8 year old

Aquarium Duck Boats Whale watching on Stellwagan Bank Old North Church - tour part way up Steeple and crypts (Paul Revere) LA Burdick for hot chocolate North End for Modern Pastry/ Mike’s Pastry/ Food /parades Harvard Tours- do duckboat first as they often give out Free Harvard tour coupon Harvard N...
by malabargold
Wed May 02, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Where to babymoon?
Replies: 38
Views: 4226

Re: Where to babymoon?

Relax where you are.
Save the $ and stick it in a trust or 529.
by malabargold
Thu Apr 26, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you need a physical for a Term Life policy?
Replies: 18
Views: 1908

Re: Do you need a physical for a Term Life policy?

They won’t generally offer you the results of the tests
unless you request a copy sent to your MD
by malabargold
Sun Apr 15, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Investing for a 1 year old
Replies: 9
Views: 1285

Re: Investing for a 1 year old

This forum says “not investing”, nevertheless,
unless your crystal ball is better than mine
why not just VT?
by malabargold
Sat Apr 14, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off (2nd home) debt or invest more?
Replies: 8
Views: 792

Re: Pay off (2nd home) debt or invest more?

On average, stocks signicantly outperform real estate over time. So, usually better off buying retirement place when you retire. Plus maintenance and taxes, etc. If you decide to hold onto the place, you have a low mortgage rate: don’t pay it faster than you have to, keep the balance in a low-cost i...
by malabargold
Thu Apr 12, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 16228

Re: Ivy school education. Is it worth it?

I have seen parents ring up bills in the many thousands of dollars at the Coop.

If one is not legacy, not an underrepresented minority, not a member of an underrepresented socioeconomic class, nor a
recruited athlete, the competition is for 1 of about 400
available spots, not 1600, at Harvard.
by malabargold
Wed Apr 11, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 3394

Re: To HSA or HSA -- explain like I'm 5.

See what the out of pocket limits are
by malabargold
Wed Apr 11, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 4227

Re: How do you estimate your home's market value?

Zillow is often wildly inaccurate in places with unique topography.
by malabargold
Tue Apr 10, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 16228

Re: Ivy school education. Is it worth it?

My kid is a concentrator in a basic science at Harvard. Wanted to be a bench scientist and academic her whole life. She is doing research with many of the very best in the field. It’s doubtful she will get rich, but she’s exactly where she wants to be and doing exactly what she wants. That’s the bes...
by malabargold
Tue Apr 10, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 16228

Re: Ivy school education. Is it worth it?

What you say about Harvard is true, except the part about
legacy; nearly 30% of the latest incoming class had legacy ties
to the College.
by malabargold
Mon Apr 09, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year mortgage
Replies: 6
Views: 1999

Re: 15 vs 30 year mortgage

With rates still on the low side, I’d take the 30 and funnel the
difference from the 15 into a low-cost index fund of your choice.
by malabargold
Sun Apr 01, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 14696

Re: What age is the best to give a child control of an inheritance?

No stock answer depends on their character and what
parents have taught