Search found 2798 matches

by greg24
Mon Oct 16, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 41
Views: 2399

Re: Bonus pushed back - should I be annoyed?

Yes, you should be annoyed. But don't let it eat you up.

Maybe you should consider seeing what other job opportunities are out there.
by greg24
Mon Oct 16, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1422

Re: Another Job Offer Dilemma

I think we know way too little about either job to effectively offer advice.

I will say that long commutes are life killers.
by greg24
Fri Oct 13, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 34
Views: 5773

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

Natural disasters are unfortunate. These guys offering 40 cents on the dollar introduce liquidity into the market, which is a good thing. Lots of these homes are severely damaged, so they may only be worth 40 cents on the dollars. If they're worth more, then the owners should refuse to sell. If they...
by greg24
Wed Oct 11, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3121

Re: SUV options with 3 little kids

Access to third row, cargo space, HP (at least 250+), reliability, MPG, driving experience and cost are all important too, but I'm going to have to compromise somewhere I'm sure. Budget is 30-60k. Your list points to a minivan. Larger cargo space, better reliability, better MPG, better driving expe...
by greg24
Wed Oct 11, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3838

Re: Protecting against the possibility of a correction?

My asset allocation was chosen, in part, to protect against the possibility of a correction.
by greg24
Fri Oct 06, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2504

Re: Fidelity: can no longer use first initial, middle name

There are lots of regulations that require banks to have the customer's name on file. The OP is not supplying his bank with his full legal name.
by greg24
Tue Oct 03, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: The Future of Active vs Index Investing
Replies: 33
Views: 2491

Re: The Future of Active vs Index Investing

If active costs were to get close to passive costs, it will be 100 years from now.
by greg24
Tue Oct 03, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: when current 401K options suck
Replies: 17
Views: 1097

Re: when current 401K options suck

0.6 to 0.7% is above average. I suggest you invest as much as possible in the 401k.
by greg24
Thu Sep 28, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2412

Re: Email address compromised - HELP!!!

Your email address was adding to a list of addresses sold to spammers. Now you receive spam. It was inevitable to happen.

Nothing about this indicates your email was compromised. Just mark the emails as spam and move on with life.
by greg24
Mon Sep 25, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6128

Re: Spouse Money Management

This thread and the "girlfriend college major" thread say more about the OP than the girlfriend.
by greg24
Fri Sep 22, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 26
Views: 2041

Re: Bonds - Ugh

A year from now, your bond fund could show a 4% one-year return while your equity fund shows -20%.
by greg24
Tue Sep 19, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2602

Re: Bitcoin AA - Just out of Curiousity

Can everyone list all the currencies they invest in, not just Bitcoin?
by greg24
Mon Sep 18, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5917

Re: Getting over emotional attachment to house

I would not let the financial tail wag the dog. You don't really say which location you'd prefer.

You can always downsize your watch collection to improve retirement cash flow. :sharebeer
by greg24
Fri Sep 15, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: To Refinance or not to Refinance
Replies: 17
Views: 1412

Re: To Refinance or not to Refinance

$132K is not a lot of money, and 33% Loan To Value is attractive for a lender.

If you search for other lenders, you are pretty much assured of finding better options.
by greg24
Thu Sep 14, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2991

Re: Brother in College Co-Signing w/ Buddy for Duplex

You came here asking what people thought. The feedback is nearly 100% against it.

You can do with that whatever you wish.
by greg24
Thu Sep 14, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7494

Re: Best Lower Cost USA Cities to Live

College towns are generally a good combination of low cost and high quality of living.
by greg24
Thu Sep 14, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20046

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO.

We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone.
by greg24
Tue Sep 12, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18187

Re: Is it really Worth it to brown bag your lunch at work?

It is worth it for some people.

Definitely not worth it for me.
by greg24
Tue Sep 12, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4581

Re: China to ban petrol cars

A lot of the anti-EV posts use extreme scenarios (700+ mile trips, 150 mile commutes) that most people rarely, if ever, do.
by greg24
Mon Sep 11, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Should I sell a car to simplify?
Replies: 16
Views: 1066

Re: Should I sell a car to simplify?

Having the 3rd car sit on the street a few hundred feet away from my home would be enough reason for me to simplify.
by greg24
Mon Sep 11, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2376

Re: Feeling guilty for buying a new iPad pro

If I get a lot of use out of something, I don't mind the expense at all.

If I buy something that ends up relatively unused, I may feel a little regret about it.

Do you think you'll use it a lot?
by greg24
Mon Sep 11, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3461

Re: Should I do 20 or 25 Year Term Life Insurance?

20 for sure, adults don't need parents income replacement in the event of death. You will have plenty to pass on at 54. Unless you want to put your kids through college.... In this theoretical scenario, the OP is dying at 54, right after their 20 year term policy expires. The OP would likely have a...
by greg24
Sun Sep 10, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Financial Independence Mindset
Replies: 83
Views: 6724

Re: Financial Independence Mindset

To reach FI:

Save as much money as you can.

Avoid as many taxes as you can.

Figure out how to access funds once you reach FI. There is usually a way.
by greg24
Fri Sep 08, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46854

Re: Equifax says info stolen. What's my best course of action?

One of the three major reporting agencies allows the personal data of basically half the country to be attained by hackers.

They offer free credit monitoring in response.

This is like Inception or something.
by greg24
Fri Sep 08, 2017 2:46 pm
Forum: Forum Issues and Administration
Topic: [will Bogleheads server be affected by Hurricane Irma?]
Replies: 8
Views: 804

Re: Power Down?

It is two miles underground below Valley Forge, PA.
by greg24
Fri Sep 08, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3461

Re: Should I do 20 or 25 Year Term Life Insurance?

I purchased life insurance at a similar age, and a similarly young child. We compared 20- and 30-year rates, and, like you, found the 20 year was much cheaper. We went with the 20 year, with the plan to self-insure and the goal of being in a financial place that we could survive without insurance af...
by greg24
Thu Sep 07, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Married, owning two homes, file as HOH?
Replies: 43
Views: 2211

Re: Married, owning two homes, file as HOH?

The most effective way to reduce your taxes is to quit your job and get divorced.
by greg24
Wed Sep 06, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8684

Re: When calculating net worth, how do you value your house?

I use my own rough estimate. I update that field in my spreadsheet infrequently.
by greg24
Wed Sep 06, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5549

Re: What is the main purpose of holding your current job?

Every job I've ever had, I did it for the money. I don't know many, if any, people who do it differently.
by greg24
Wed Sep 06, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 3295

Re: How to break into new field?

I can take early retirement after 25 years, but we also get an extra year of service years if we have 50 or more state days which I already almost have. So 24 for me and if I stay in this field that's my game plan. So, I'm planning on leaving at 54 if I stay course. We'll see. So you're 10 years in...
by greg24
Wed Sep 06, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3598

Re: Bought crypto currency

How many crypto currencies survive in the long run? Zero or one?
by greg24
Tue Sep 05, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 3295

Re: How to break into new field?

The grass isn't always greener.
by greg24
Tue Sep 05, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051733

Re: U.S. stocks in freefall

I've sold my entire equity holdings and put it in LTB.
by greg24
Tue Sep 05, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 2916

Re: Would you rather (car wash/detail)

Why would I pay someone to wash my car?
by greg24
Fri Sep 01, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051733

Re: U.S. stocks in freefall

Serious question: Why is this topic still open? That is a very good question. We see other threads get shut down very quickly for being argumentative or "unactionable", but this train wreck is allowed to run for 6 years. I think it serves a valuable purpose as a way to relieve a bit of stress when ...
by greg24
Fri Sep 01, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051733

Re: U.S. stocks in freefall

blueblock wrote:
Tue Aug 22, 2017 7:21 pm
Serious question: Why is this topic still open?
That is a very good question. We see other threads get shut down very quickly for being argumentative or "unactionable", but this train wreck is allowed to run for 6 years.
by greg24
Thu Aug 31, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Gas shortage
Replies: 7
Views: 957

Re: Gas shortage

Maybe the gas shortage is caused by people driving around looking for gas.
by greg24
Thu Aug 31, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3179

Re: Beginner Mountain Bike

I look at our local Craigslist bike section daily. It is full of $600 bikes selling for $250 or $300 or less. I'd rather have a $1,000 bike for $300 or a $600 bike for $250 than a $600 bike for $600. Everyone talks about the great deals on craigslist, but I just can't find them. What I do find is s...
by greg24
Thu Aug 31, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3179

Re: Beginner Mountain Bike

I look at our local Craigslist bike section daily. It is full of $600 bikes selling for $250 or $300 or less. I'd rather have a $1,000 bike for $300 or a $600 bike for $250 than a $600 bike for $600. Everyone talks about the great deals on craigslist, but I just can't find them. What I do find is s...
by greg24
Tue Aug 29, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying home together
Replies: 17
Views: 1235

Re: Buying home together

Seems like a bad idea. Most 20 something brothers won't be able to get along about the dishes, let alone joint ownership of a home.
by greg24
Mon Aug 28, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to doubt my index portfolio, will it at least get me 5% inflation adjusted over next two decades?
Replies: 34
Views: 3836

Re: Starting to doubt my index portfolio, will it at least get me 5% inflation adjusted over next two decades?

You can't control equity returns. You can control the costs you pay for your investments, and how much you invest.

I would focus on the two things you can control.
by greg24
Mon Aug 28, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6173

Re: Bad Idea to Have Zero Credit Cards?

Life would be a gigantic hassle for me without credit cards. And I rarely travel.

Credit cards are a great tool. I don't pay any interest or fees. And I get to use their convenience factor, in addition to getting cash back.
by greg24
Mon Aug 28, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Why not just buy BRK.B or BRK.A?
Replies: 49
Views: 3809

Re: Why not just buy BRK.B or BRK.A?

The numbers are really great for the past. Do you expect the same outperformance in the future?
by greg24
Fri Aug 25, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3019

Re: Should I abandon airline credit cards for cash back?

I have found that US dollars are a more flexible currency than airline miles, so I stick to cash back.
by greg24
Wed Aug 23, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sigh...I'm ready for criticism...how am I doing?
Replies: 50
Views: 6725

Re: Sigh...I'm ready for criticism...how am I doing?

Having any positive net worth coming out of med school seems pretty good.

Get the first house sold. Save as much as possible. Enjoy your young family.
by greg24
Wed Aug 23, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5943

Re: Safe car for wife and baby

OP,

Surely there are daycare options near your house. Changing your daycare to something near your house rather than 36 miles away would be a very easy way to greatly reduce your risk, almost assuredly reducing your risk much more than a larger car would.
by greg24
Mon Aug 21, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: My girlfriend and her 401K, need to give her advice
Replies: 61
Views: 5090

Re: My girlfriend and her 401K, need to give her advice

Michael, you are focused on what vehicles to invest in. The biggest impact is raising the 3% contribution rate to something higher. Concentrate on that.
by greg24
Mon Aug 21, 2017 1:31 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 5864

Re: Home Page Updated

LadyGeek wrote:
Fri Aug 18, 2017 9:50 pm
Requested by the members: Topic title links now go to the first unread post (if logged in). Otherwise, the link will go to the first post in the topic.
A million thanks.
by greg24
Mon Aug 21, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Boston Globe: Smart Investors May be Killing Capitalism
Replies: 44
Views: 4286

Re: Boston Globe: Smart Investors May be Killing Capitalism

Sometimes this forum is a bit hypersensitive about any criticism of indexing. The criticism here isn't that indexing is bad for investors and it's not about price discovery; the criticism is that shared ownership is bad for consumers. When the big mutual fund companies own such large stakes in, for...