Search found 165 matches

by arbogast777
Sat Jun 22, 2013 4:17 pm
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 10486

Re: Cheap Razors

I'm nine months into my current blade. I'm 6 months on 1 blade. I am going for 12 months. I hone it on a towel before every use. It is as sharp today as when I first used it. How do you "hone" a plastic disposable razor and for sure how do you do it on a towel? I assume what he does is drags the ra...
by arbogast777
Fri Jun 21, 2013 5:41 pm
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 10486

Re: Cheap Razors

Put the plastic cheese graters away.

A safety razor with double edge blades is the only thing you should be using.
by arbogast777
Mon Jun 17, 2013 12:11 pm
Forum: Personal Consumer Issues
Topic: WiFi Router Recommendations?
Replies: 44
Views: 4978

Re: WiFi Router Recommendations?

Whichever one you get I would make sure it is the new 802.11ac standard. You probably don't have any devices that can take advantage of it now but it will definitely future proof your home and the beam forming technology it uses will give you excellent coverage now. The Apple AirPort Extreme that wa...
by arbogast777
Fri Jun 07, 2013 5:58 pm
Forum: Investing - Theory, News & General
Topic: What's the right allocation to international bonds?
Replies: 39
Views: 4777

Re: What's the right allocation to international bonds?

My personal philosophy continues to be that I have no way of knowing what asset class will outperform in the future so my portfolio is constructed based on the following... 1) large and small 50/50 2) value and growth 50/50 3) domestic and international 50/50 and now as of this week... 4) domestic b...
by arbogast777
Mon Oct 29, 2012 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Question on taking social security benefits
Replies: 5
Views: 920

Re: Question on taking retirement benefits

Yes, I meant social security :wink:

Edited my post to reflect that
by arbogast777
Mon Oct 29, 2012 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question on taking social security benefits
Replies: 5
Views: 920

Question on taking social security benefits

Greetings! I have a social Security question on behalf of my Dad. I've been doing research online but it's been so hard getting the answers I'm looking for, so I thought you could help... Dad turned 65 in July 2012. He would like to begin collecting SS at the full retirement age of 66, and continue ...
by arbogast777
Tue Sep 18, 2012 5:03 pm
Forum: Personal Consumer Issues
Topic: Best Used Commuter Car Under $14,000 - Snow/Long Commutes
Replies: 27
Views: 6129

Re: Best Used Commuter Car Under $14,000 - Snow/Long Commute

Best bang for your buck as far as driving in the snow - Suzuki SX4. MPG could be a little better but you won't find an AWD car cheaper. Kind of a fun look, too
by arbogast777
Thu Aug 16, 2012 9:58 pm
Forum: Personal Investments
Topic: Selling and capital gains question
Replies: 14
Views: 1446

Re: Selling and capital gains question

Thanks guys. Makes be breathe a tad easier! I was also worried about this happening again in the future, so now that I know what to do with your help I should be able to avoid such a scenario.

Many thanks
by arbogast777
Thu Aug 16, 2012 9:30 pm
Forum: Personal Investments
Topic: Selling and capital gains question
Replies: 14
Views: 1446

Re: Selling and capital gains question

Thanks for the responses, everyone. I will tell you what first prompted my question. Maybe somebody here might have an opinion on it. I received a letter from the IRS today saying I owed them $2,917. To sum it up, in 2010 when I had just gotten out of college I reported income in the amount of $15,7...
by arbogast777
Thu Aug 16, 2012 7:45 pm
Forum: Personal Investments
Topic: Selling and capital gains question
Replies: 14
Views: 1446

Selling and capital gains question

Hi! A quick question from an investing novice... It's my understanding as far as capital gains goes that if you purchase securities and sell within a year, everything is taxed as income. So if I bought a stock for $10,000 and sold it at $11,000, it's treated as if I made an additional $11,000 in inc...
by arbogast777
Sun Dec 04, 2011 10:33 pm
Forum: Personal Consumer Issues
Topic: I'm strange because I always liked where I live
Replies: 32
Views: 2477

Re: I'm strange because I always liked where I live

I *know* I'm living in the right place for me, because it's the only place I can find my family and friends.
by arbogast777
Thu Mar 11, 2010 1:48 pm
Forum: Personal Investments
Topic: Single 32 year-old seeking portfolio advice
Replies: 9
Views: 2417

Arbogast, I find it interesting that you would increase your bond %age based on a higher portfolio value as I tend to think of bond needs in terms of how far away from retirement I am rather than portfolio size. I think I'm comfortable splitting the difference at 25%. My way of thinking on that is ...
by arbogast777
Wed Mar 10, 2010 10:14 pm
Forum: Personal Investments
Topic: Single 32 year-old seeking portfolio advice
Replies: 9
Views: 2417

Seeing as how I am also 32 and single, I probably can't offer any advice outside of what I am doing for myself... U.S. Large Blend Stock Index (VFINX) 10.00% U.S. Large Value Stock Index (VIVAX) 10.00% U.S. Small Blend Stock Index (NAESX) 10.00% U.S. Small Value Stock Index (VISVX) 10.00% European S...
by arbogast777
Mon Mar 01, 2010 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Best Cell Phone Plan?
Replies: 54
Views: 13138

+1 for Boost Mobile $50/month unlimited. I just pay $12.50 every Friday (which I don't even feel leaving my wallet) and I have unlimited everything. You can also pay in advance, so if you had an extra $300 laying around you could add it to your account and not worry about phone payments for 6 months...
by arbogast777
Sun Feb 28, 2010 6:13 pm
Forum: Personal Consumer Issues
Topic: Internet Radios
Replies: 29
Views: 5053

jebmke,

Here a link to Apple's page on the dock...

http://store.apple.com/us/product/MB125 ... TA4MjUwNjc

They also might have a cable that goes directly from the iPod to your stereo, but I'm not sure. (I prefer the dock because it keeps the iPod charged at all times)
by arbogast777
Sun Feb 28, 2010 5:59 pm
Forum: Personal Consumer Issues
Topic: Internet Radios
Replies: 29
Views: 5053

I still think the best internet radio is the iPod touch for $199 (if you have wireless in your house - a router only costing about $30 these days). Hook it up to a dock which then plugs into your stereo and get Pandora, AOL Radio, Sirius/XM, NPR, MLB games, whatever you want. You can unplug it from ...
by arbogast777
Sun Jan 31, 2010 11:45 am
Forum: Personal Consumer Issues
Topic: Apple Unveils New Tablet Computer
Replies: 158
Views: 17802

ImageImage
by arbogast777
Mon Nov 23, 2009 9:01 pm
Forum: Personal Consumer Issues
Topic: Golf is expensive and frustrating
Replies: 55
Views: 9603

I have to echo those who say cost is an obstacle to playing golf. As with anything else, you have to look for deals, but they are out there. I golf at great courses here in the Minneapolis area and I always pay in the $20-$30 range (including a cart). One site I use for deals is http://www.ezlinks.c...
by arbogast777
Thu Oct 29, 2009 10:29 am
Forum: Personal Consumer Issues
Topic: How much do you pay for a haircut
Replies: 156
Views: 20890

$28+$7 tip=$35 every 4 weeks
by arbogast777
Fri Oct 16, 2009 6:30 am
Forum: Investing - Theory, News & General
Topic: WaPo: Many Investors Have Sat Out Rally
Replies: 87
Views: 15699

Re: Out Since October

My total return for the year is 30.60% Do you mean you sold all the securities you bought at the beginning of the year and made a 31% profit on them? Or do you mean you would have made the profit if you had sold everything and started counting from January's prices? I would have won the Nobel Prize...
by arbogast777
Thu Oct 15, 2009 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stop Acting Rich: And Start Living Like A Real Millionaire
Replies: 39
Views: 12286

Stop Acting Rich: And Start Living Like A Real Millionaire The first step is to write a book about the habits of millionaires. People will buy it with the hope that they too will someday be millionaires. They may or may not, but you will make a lot of money. Adrian anenu@tampabay.rr.com I was gonna...
by arbogast777
Thu Oct 15, 2009 10:05 am
Forum: Investing - Theory, News & General
Topic: WaPo: Many Investors Have Sat Out Rally
Replies: 87
Views: 15699

Re: 30% vs 9%

Its not about whose return is bigger ;) it's about what you need to retire. Somebody once asked Grouco Marx which stocks he was invested in, and he said he was invested in Treasureies... I learned after going through two market crashes that I don't need the volatility of equities. My annualized ret...
by arbogast777
Thu Oct 15, 2009 8:55 am
Forum: Investing - Theory, News & General
Topic: WaPo: Many Investors Have Sat Out Rally
Replies: 87
Views: 15699

Re: Out Since October

My total return for the year is 30.60% Do you mean you sold all the securities you bought at the beginning of the year and made a 31% profit on them? Or do you mean you would have made the profit if you had sold everything and started counting from January's prices? I would have won the Nobel Prize...
by arbogast777
Thu Oct 15, 2009 8:36 am
Forum: Investing - Theory, News & General
Topic: WaPo: Many Investors Have Sat Out Rally
Replies: 87
Views: 15699

Re: Out Since October

Actually, I got out last October and intend to stay out. So I sold when the DJIA was at 8200 and won't be buying back-in. YTD, I'm having the best year I've had this century with a total return of around 9%. I'm 20% SV, 20% ST Bond, 30% PTRAX, 30% VIPSX, and sleeping very well at night. 9%!? My tot...
by arbogast777
Sat Aug 22, 2009 9:43 pm
Forum: Personal Consumer Issues
Topic: Wine - What's your type?
Replies: 69
Views: 12067

Here's what I'm currently obsessed with. Best wine I've had in ages, and it's usually at a great price ($15 or so).

"The Formula" Cab-Shiraz. Australian.

Looks like this... http://www.vsimports.com/new/wineLabels ... cabsav.jpg
by arbogast777
Thu Jul 09, 2009 8:27 pm
Forum: Personal Consumer Issues
Topic: It takes Money to make Money = It takes a Job to get a Job?
Replies: 57
Views: 7871

Why would someone ever review a resume - or bring in for an interview - anyone that is currently employed? These people are obviously untrustworthy. They are more than likely deceiving their current employer in to thinking they are good employees. Yet, they are going behind their current employers ...
by arbogast777
Thu Jul 09, 2009 12:19 pm
Forum: Personal Consumer Issues
Topic: It takes Money to make Money = It takes a Job to get a Job?
Replies: 57
Views: 7871

This thread is enlightening because I've been working for the same company for the past 12 years (my first job out of college in fact) and I'd like to start looking for something else because I'm kind of just "stuck" where I am and I'd like to move up a little more. I've always thought that me not b...
by arbogast777
Thu Jul 02, 2009 7:36 am
Forum: Personal Consumer Issues
Topic: best beginner golf club set
Replies: 14
Views: 5588

...But given your criteria, i.e. networking rounds... how about a set of new Callaway X-18 irons for $399? Callways get more brownie points than Top Flites in a networking round. Although to play devil's advocate it might say the wrong thing about you if you're the type who dropped a ton of money o...
by arbogast777
Mon Jun 22, 2009 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Simplicity stands the test of time.
Replies: 23
Views: 3907

MWCA wrote:
Simplicity is boring.
A quote I once heard comes to mind: "If you want making money to be entertaining go to Vegas - at least there you get free drinks."
by arbogast777
Mon Jun 22, 2009 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Simplicity stands the test of time.
Replies: 23
Views: 3907

Ok, so that brings up a potentially interesting discussion:

Why is it our nature to make things as complicated as possible to the point where we have to keep reminding ourselves to simplify? If nature always finds the most efficient way to do things, why do humans do the opposite?
by arbogast777
Tue May 19, 2009 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Where should one be at 30?
Replies: 103
Views: 38753

For a Boglehead, I'd say by age 30, you should have $500k net worth. (Cash in savings, retirement accounts, and equity portion of your house) HUH!? If you began investing at 18, and considering the market has basically returned 0% over the past 10 years, a 30 year old would have had to have saved a...
by arbogast777
Mon May 04, 2009 5:54 pm
Forum: Personal Consumer Issues
Topic: Slipping Sox
Replies: 33
Views: 5051

the problem with baseball - 1. games are long, slow, and boring. 2. 162 games in the season - way too many and most games don't matter. 3. games have no real strategy, excitement, or suspense vs. football. 4. no physical contact. 5. only old people watch it. 1. Yes, it can be. Or it can be very exc...
by arbogast777
Sun May 03, 2009 8:04 pm
Forum: Personal Investments
Topic: I Bond Restricted Securities et al
Replies: 5
Views: 1442

Stjoe,

N/A just means its new rate hasn't been updated yet (they just came out Friday). It should be fine by Monday.
by arbogast777
Sat May 02, 2009 5:09 pm
Forum: Investing - Theory, News & General
Topic: And the new I-bond fixed rate is...
Replies: 69
Views: 11191

I've had my Emergency Fund in I-bonds for the past 5 years and I've got to admit that I've been thinking about cashing them in over the last few days and putting the proceeds someplace else. They just didn't feel like the investment they used to be. But, after thinking about it, I've really softened...
by arbogast777
Tue Apr 28, 2009 11:22 am
Forum: Investing - Theory, News & General
Topic: Guess the I-bond fixed rate
Replies: 30
Views: 4876

The fixed component won't be higher than 1% if even that. Federal gov't wants people to invest and failing that, spend. Saving money is the last thing on their agenda. Very true. But on the other hand you can also say that the gov't with all of its spending needs to raise money. And while the Savin...
by arbogast777
Mon Apr 27, 2009 6:29 pm
Forum: Investing - Theory, News & General
Topic: Guess the I-bond fixed rate
Replies: 30
Views: 4876

1.0-1.50%
by arbogast777
Wed Apr 01, 2009 8:37 am
Forum: Personal Consumer Issues
Topic: Obesity ? Why?
Replies: 167
Views: 27015

Here's a picture I took of a menu in a restaurant in Hong Kong. It says it all!

Image
by arbogast777
Sun Mar 15, 2009 5:33 pm
Forum: Investing - Theory, News & General
Topic: Do you include your emergency fund in your Asset Allocation?
Replies: 27
Views: 4441

I'd say the answer is no. If you were to include your emergency money in your AA, then every time you had to dip into your emergency money, you'd also have to sell stocks to rebalance back to your AA. You'd, in effect, be spending stocks to pay for emergencies. That defeats the purpose of emergency...
by arbogast777
Sun Mar 15, 2009 3:58 pm
Forum: Investing - Theory, News & General
Topic: Do you include your emergency fund in your Asset Allocation?
Replies: 27
Views: 4441

This leads to me ask what Bogleheads think of something I've been toying with for a few weeks... ...what about instead of having a separate Emergency Fund, you just increase your bond allocations. Right now I'm 80/20 with an Emergency Fund - what if I just bumped it to 70/30 and was done with it? It...
by arbogast777
Wed Feb 18, 2009 9:46 am
Forum: Personal Investments
Topic: Anyone dollar cost averaging in this market?
Replies: 59
Views: 10374

Yep, not only have I been keeping up my contribution from every paycheck, I've doubled it.
by arbogast777
Sun Feb 15, 2009 10:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer International Small-Cap Index Fund
Replies: 138
Views: 33636

Pacific wrote:Whatever happened to the launch of this fund? I can't find out anything about it on Vanguard's site using the search function.
Officially it will launch in the 1st quarter of '09, but the rumor is it will open at the end of February
by arbogast777
Thu Feb 12, 2009 2:46 pm
Forum: Investing - Theory, News & General
Topic: Are I-Bonds a Free Lunch Right Now?
Replies: 83
Views: 16021

Re: I-Bonds comparison?

Tramper Al wrote:I am trying to work out whether to purchase I-Bonds before or after the next change in fixed rate - April 1, yes?
No, it changes May 1st
by arbogast777
Sat Jan 31, 2009 6:11 pm
Forum: Investing - Theory, News & General
Topic: "Stay-the-course" in the Great Depression ?
Replies: 56
Views: 11720

Re: "Stay-the-course" in the Great Depression ?

A couple of things: 1. If the overall equity markets went down by 89%, I can't see how the above 47% equity portfolio never lost more than 25% of it's value. Perhaps early 1932 things got much worse and what's shown here is just the year end values. I agree - the chart doesn't seem to make sense. T...
by arbogast777
Sat Jan 24, 2009 12:02 pm
Forum: Investing - Theory, News & General
Topic: 15 Months in the Life of a Dollar Cost Averager
Replies: 4
Views: 1156

15 Months in the Life of a Dollar Cost Averager

Since the beginning of this Big Bad Bear in October '07, I have been playing the market exactly the way my gut told me I should. As Warren Buffet said "Be fearful when others are greedy and greedy when others are fearful." As scary as the market has been, I decided to follow that advice to a T, and ...
by arbogast777
Thu Jan 22, 2009 9:33 pm
Forum: Investing - Theory, News & General
Topic: IBonds - Sell if Next Rate is 0%?
Replies: 49
Views: 9063

Something I wanted to be sure of. I can buy I-Bonds up to May 1 and receive the composite rate set in November for 6 months, then the composite rate will reset to the rate set in May for the next 6 months, correct? In other words, if I think that the November rate is going to be better than the one...
by arbogast777
Thu Jan 22, 2009 12:01 pm
Forum: Investing - Theory, News & General
Topic: Should everyone have an Emergency Fund?
Replies: 41
Views: 9379

I still love keeping an emergency fund in I-bonds. I just checked and my bonds are earning 6.07%, 6.17%, and 6.25%. That's not exactly cash drag. My emergency fund was actually my best performer last year! And knowing my safety net will be there is priceless to me.
by arbogast777
Fri Dec 12, 2008 9:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer International Small-Cap Index Fund
Replies: 138
Views: 33636

A couple of questions to help decide if I want to add this fund (it's not every day a new asset class is available!): 1) Can anybody point me to a history of returns of International Small Cap? I'm curious as to how they correlate with Emerging Markets and the U.S. 2) Right now I have 1/3 each Europ...
by arbogast777
Mon Dec 08, 2008 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone thinking of 100% equity in the next 6-12 months?
Replies: 193
Views: 30537

Re: 100% equities

...After all, rebalancing is simply a mechanism to ensure you maximize buying of beaten down asset classes... I think that's an excellent point, buying down beaten down asset classes is part of being a Boglehead (and value investing for that matter). But just to play devil's advocate you could also...
by arbogast777
Sat Dec 06, 2008 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone thinking of 100% equity in the next 6-12 months?
Replies: 193
Views: 30537

Look, I'm as much of a Boglehead as the next guy here, but I really think the whole "you shouldn't market time" rule has been taken in a much more rigid manner than is healthy. In regards to this thread, I don't see this as market timing in the Boglehead sense of the word. Trying to jump in or out o...
by arbogast777
Sat Dec 06, 2008 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Anyone thinking of 100% equity in the next 6-12 months?
Replies: 193
Views: 30537

Adrian,

As I am thinking about going 100% equities as well (I'm 30 so what the heck) I have to ask - do you have in the back of your mind a point at which you would revert back to your original AA?