Search found 3153 matches

by greg24
Fri Sep 21, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Is there any active forums/BBS grouping up non-Bogleheads?
Replies: 14
Views: 1112

Re: Is there any active forums/BBS grouping up non-Bogleheads?

The Boglehead mindset (low costs, LBYM, etc.) might be common in roughly 1% of investors.

Basically everything else about investing on the internet is non-Bogleheads. Shouldn't be hard to find.
by greg24
Fri Sep 21, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 48
Views: 4006

Re: State Farm nickel-and-diming me

I might mention to the Star Farm adjuster that you’re starting to get a headache and you’re not sure if it’s from dealing with them or maybe it was caused by the accident and maybe you’re thinking of getting that checked out... Encouraging illegal behavior such as insurance fraud is against forum p...
by greg24
Fri Sep 21, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 29
Views: 1708

Re: Simple-minded sayings?

Non-actionable (trolling) topics are non-actionable.
by greg24
Wed Sep 19, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 14
Views: 1714

Re: New job offer

Sounds like a no-brainer to me. The commute isn't good, but at least you'll be able to telecommute some of the time.

You could always move closer to your job, once you get comfortable there.
by greg24
Wed Sep 19, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 3798

Re: “Majority of working-age Americans have no retirement savings”

willthrill81 wrote:
Wed Sep 19, 2018 10:49 am
You don't have to. Since all of your bank and investment accounts are linked to your Social Security number, they can easily determine the level of assets you have with a few keystrokes.
Do you believe that all your financial accounts are aggregated in some central government database?
by greg24
Tue Sep 18, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3259

Re: Equity in house / Do you use it?

Do you do anything with the equity you've built up in mutual funds? Do you take a margin loan?
by greg24
Tue Sep 18, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1472

Re: Inexpensive source for greeting cards?

CVS has cards that cost $1 or $2. Basically anywhere that sells greeting cards has $1 versions. Buy those. If the message is lame, write your own witty/dark message.
by greg24
Mon Sep 17, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4416

Re: Dilemma: Add room to current house or buy new house?

I would reconfigure the 1st floor (get rid of formal dining, create an open great room) and finish the basement. Those kids are going to get older and need more space. Put in a pool table, or a home theater, or whatever your wife wants for an alternate entertainment space. I like this advice. Finis...
by greg24
Mon Sep 17, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can I have an oversized emergency savings account?
Replies: 19
Views: 2100

Re: Can I have an oversized emergency savings account?

Yes, you can have a larger cash account than some would advise. We have more than necessary. I consider it my Slush Fund. Covers our emergency fund, car fund, house fund, etc. We like having a good chunk of cash on hand. We keep a large amount of it into the Vanguard Prime Money Market Fund. Current...
by greg24
Mon Sep 17, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 3747

Re: (No Savings) *Everything* in S&P 500?

Sounds like a tax lot nightmare.
by greg24
Fri Sep 14, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 56
Views: 5162

Re: Job burnout - Keep grinding or change?

The OP is pretty vague overall. If you can find a job that is a little better than the current job, with better work/life balance, for similar compensation, you should do it. If you want to change your career without any plan for what to change to, I would use caution. If you're just tired of having...
by greg24
Thu Sep 13, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to Choose Between Jobs - Independent Contractor vs Consulting Firm
Replies: 11
Views: 562

Re: How to Choose Between Jobs - Independent Contractor vs Consulting Firm

I still see absolutely zero reason for you to take this new job.

Yes, your current contract isn't permanent. But neither is this job from this consulting firm. Are they guaranteeing a job for life?

Hard pass.
by greg24
Wed Sep 12, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2357

Re: Hypothetical Question - Market Timing

Hypothetically, you're gonna shoot yourself in the foot.
by greg24
Wed Sep 12, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2780

Re: Do you use social media to enhance your travel experience?

Sometimes we post photos for friends and family to see.

I like when my friends and family share photos of their lives.
by greg24
Mon Sep 10, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to Choose Between Jobs - Independent Contractor vs Consulting Firm
Replies: 11
Views: 562

Re: How to Choose Between Jobs - Indendent Contractor vs Consulting Firm

Why are you even considering the consulting firm? There doesn't seem to be a single advantage to moving.
by greg24
Mon Sep 10, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 66
Views: 5553

Re: Vacation house? Need objective third party

That is a pricey vacation home, which you may end up not using very often.

I agree with the posts that say you should pay off your primary residence and save up the money to buy a vacation home for cash.
by greg24
Mon Sep 10, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2107

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

Older Sienna and Prius. We wash them a couple times a year, generally in the Winter.

We never "thoroughly" clean the interior. But we do keep it picked up.
by greg24
Mon Sep 10, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8859

Re: Side Hustle Options/Suggestions.

CPA/bookkeeping is a side hustle that may be harder to get started, but offer better monetary compensation and better work/life balance. It is also something that may eventually become your main occupation, while your uber hustle should never become your primary paycheck.
by greg24
Mon Sep 10, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6661

Re: I think my father has a gambling problem

OP, keep an eye on the situation. For now.
by greg24
Mon Sep 10, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: AA for a 3 year old and 5 year old for 529
Replies: 15
Views: 1258

Re: AA for a 3 year old and 5 year old for 529

I would lean towards 80/20, but otherwise 60/40.

50/50 seems too conservative for money to be used in 15 years.
by greg24
Mon Sep 10, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5054

Re: Advice on how to deal with barking dogs

Anyone who keeps dogs outside in a cage 24/7 is not going to be approachable about the consequences of their actions.

I would call the cops, animal control, city, etc.

Your neighbor will be a pain to you for the rest of the time that you are neighbors, but sleep is too important.
by greg24
Mon Sep 10, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: New Job (1st Management Role)
Replies: 30
Views: 2904

Re: New Job (1st Management Role)

I'm a similar case, well-paid individual contributor. I've turned down a couple management opportunities for similar reasons. I don't want to deal with management issues, work longer hours, sit in 30+ hours of meetings a week, etc. If you want to manage people, I would go for it. If you prefer an in...
by greg24
Fri Sep 07, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?
Replies: 34
Views: 4218

Re: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?

So what is the typical EJ client and where are these large disposible portolios coming from? Is it mostly retirees who have severed from employment and are thus free to rollover retirement accounts? Is it people who are independently wealthy and have large taxable portfolios? Local business owners ...
by greg24
Fri Sep 07, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2453

Re: Does market timing have to be perfect to be effective?

MJW wrote:
Fri Sep 07, 2018 11:36 am
The purpose of thread is not to advocate or condone market timing but to explore the viewpoints of those that do it.
Ha!
by greg24
Fri Sep 07, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4160

Re: returns for the next decade

I have no idea what returns will be for the next decade.

So I'm investing as much as I can in my reasonably chosen asset allocation.
by greg24
Fri Sep 07, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fee Wars Will Encourage Bad Behavior
Replies: 26
Views: 2614

Re: Mutual Fund Fee Wars Will Encourage Bad Behavior

Never underestimate the ability of the advisor industry to attempt to portray low costs as a bad thing for investors.
by greg24
Thu Sep 06, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7459

Re: Should I keep my financial advisor

You are paying a great deal of money for a fairly simple, yet elegant, portfolio.

I think you should drop the advisor and do it yourself.
by greg24
Thu Sep 06, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4589

Re: To Be or Not to Be...Married

I strongly caution you against getting married. Why enter a legal contract with the government?

Just live together in happy bliss. Have children.

By avoiding marriage, you can quickly split up if and when you grow tired of each other.
by greg24
Wed Sep 05, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Google's secret deal with MasterCard to buy all your CC transactions
Replies: 25
Views: 3092

Re: Google's secret deal with MasterCard to buy all your CC transactions

The NSA has been tracking us more in-depth for years, and people have forgotten to be angry about that.
by greg24
Tue Sep 04, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18083

Re: How to Retire in Your 30's with $1 Million in the Bank

The headlines and ledes on these articles are frequently misleading. The articles could more applicably be titled "Hey, you can leave the grind in a HCOL area and LBYM in middle America and life is kind of easier that way." Lets look at the folks in the article: Carl Jensen - quits his job to be SAH...
by greg24
Fri Aug 31, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 100
Views: 7341

Re: Is it time to go shorter in bonds ?

Many have been attempting to time the bond market since 2008/2009 meltdown.

At some point, they may end up being correct.
by greg24
Mon Aug 27, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21504

Re: Decent compensation to move to Bay Area CA?

John Bogle may ask if you already have enough.
by greg24
Wed Aug 22, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 4901

Re: Is divorce a wise financial move?

We don't even know if they'd save $1500 a year.

OP should re-run their calculations with new tax laws and get a better idea what the number is.
by greg24
Wed Aug 22, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 4901

Re: Is divorce a wise financial move?

In typical form, BH can't address a simple financial question and call it quits. Instead the forum has to engage in moralizing and snide comments. This is true throughout the internet, and the world. I think divorcing to save a small, undetermined amount of money on an annual basis is a big mistake...
by greg24
Wed Aug 22, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional (svf) OR Fidelity Total Bond
Replies: 21
Views: 1201

Re: TIAA Traditional (svf) OR Fidelity Total Bond

What you said is true if you have the illiquid version, common for RA. The liquid version, common for SRA, has no such restrictions. The rate for RA is usually higher to compensate for the inconvenience. RA is usually the money that the employer puts in or the money that the employee puts in for th...
by greg24
Tue Aug 21, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional (svf) OR Fidelity Total Bond
Replies: 21
Views: 1201

Re: TIAA Traditional (svf) OR Fidelity Total Bond

My 403b offers TIAA Traditional and Vanguard TBM. I split my fixed income allocation equally between the two. Thanks Greg24. What's your rationale for splitting them? I was thinking about doing the same thing but then figured it might be easier to manage everything in one place (fidelity) instead o...
by greg24
Tue Aug 21, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 3979

Re: No advance notice to employer

Showing up for work may be a lot easier when you get to tell them you're retiring. Some people would be sprinting into the office to announce it...
by greg24
Tue Aug 21, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional (svf) OR Fidelity Total Bond
Replies: 21
Views: 1201

Re: TIAA Traditional (svf) OR Fidelity Total Bond

My 403b offers TIAA Traditional and Vanguard TBM. I split my fixed income allocation equally between the two.
by greg24
Fri Aug 17, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1862

Re: Is President Jimmy Carter a Boglehead?

Sounds like a Boglehead:

His farmhouse youth during the Great Depression made him unpretentious and frugal. His friends, maybe only half-joking, describe Carter as “tight as a tick.”
by greg24
Fri Aug 17, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Fund
Replies: 13
Views: 985

Re: Stable Value Funds vs Bond Fund

I split my 401k fixed income allocation, with half in total bond market and half in a stable value fund (TIAA Traditional).
by greg24
Wed Aug 15, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 2097

Re: Time for new phone, Buy or Lease?

So you can lease for 18 months for $504 or purchase for $650.

Given that you've hard your current phone for 4+ years, I think this new phone will have at least $146 of value at the end of 18 months.

You should purchase.
by greg24
Wed Aug 15, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation
Replies: 10
Views: 688

Re: Compensation negotiation

Pick his dream salary and add 10 or 20%. Let them anchor off your number.
by greg24
Wed Aug 15, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2076

Re: Sidewalk repair - price in line?

Our town comes around and marks sidewalk sections that need replacing. They are roughly 3" by 5". Everything I've read/heard around town is that finding a contractor to come replace one sidewalk rectangle is nearly impossible. Such a small job isn't worth their time. Supposedly the best way to handl...
by greg24
Tue Aug 14, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Verizon sending me two bills and I can't change my name with them
Replies: 10
Views: 1078

Re: Verizon sending me two bills and I can't change my name with them

Tweet your complaints. Companies hate a broadcast of their problems.
by greg24
Mon Aug 13, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 20
Views: 1526

Re: Help explain TIAA Traditional to me

I'm lucky in that my 403b contains TIAA Traditional and Vanguard TBM index funds.

I use a 60/40 AA, and I put my fixed income allocations in these two holdings, 50% in each.
by greg24
Mon Aug 13, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3309

Re: Financial Advisor Mandatory?

Nissanzx1 wrote:
Sun Aug 12, 2018 11:16 am
The advisor recommended to keep their high Balance student loans (male half is PhD) and even just recommended a car loan (if you can imagine).
....
they pay 3.5% per year for their 2 advisors.
!!!!RUN AWAY!!!!
by greg24
Fri Aug 10, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 10579

Re: The Bigger Story: Fidelity Expense Ratios

pokebowl wrote:
Fri Aug 10, 2018 11:49 am
Others have brought up the lower ER not being worth it, however it only takes 2 minutes of mouse clicking to achieve it. Worth it in my opinion.
It would take much much longer than 2 minutes to move several accounts from Vanguard to Fidelity, change automated ACH, etc. At a minimum, hours.