Search found 4521 matches

by mptfan
Sun Aug 12, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11818

Re: Joint Ownership of home with second wife

I probably should have said commitment ceremony but those are definitely a thing. I didn't know that was a thing. Do you send out commitment ceremony invitations? I don't mean to be glib, I am genuinely curious. Do you make it clear when you invite people that it is a commitment ceremony and not a ...
by mptfan
Fri Aug 10, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11818

Re: Joint Ownership of home with second wife

I probably should have said commitment ceremony but those are definitely a thing. I didn't know that was a thing. Do you send out commitment ceremony invitations? I don't mean to be glib, I am genuinely curious. Do you make it clear when you invite people that it is a commitment ceremony and not a ...
by mptfan
Fri Aug 10, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11818

Re: Joint Ownership of home with second wife

Also, being legally married might not make sense currently but that might not mean you couldn't have a wedding and present yourself more like a married couple. You might need to check the common-law marriage rules on that. Are there people who invite their friends and family to a wedding ceremony a...
by mptfan
Fri Aug 10, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2068

Re: Do Airlines measure checked baggages?

alfaspider wrote:
Fri Aug 10, 2018 10:39 am
You may want to check out flyertalk.com for airline specific information -the folks over there tend to be a bit obsessive in their knowledge of the airlines.
Right, we Bogleheads are only obsessive and personal finance issues.
:wink:
by mptfan
Fri Aug 10, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7687

Re: Should I tell my family/friend that they are making a financial mistake?

Only if they explicitly ask for your advice, otherwise stay out of it.
by mptfan
Thu Aug 09, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8414

Re: Huge mortgage mistake

I believe if it is a conventional loan, PMI goes away when you have 20% equity... I don't mean to pick nits, but having 20% equity is not exactly the same thing as the "mortgage balance falling below 80% of the home's original appraised value." If the value of the home goes up, you can get to 20% e...
by mptfan
Wed Aug 08, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1445

Re: A week in Budapest? Transport from airport?

What’s the best way from the airport for 4 fit people with a moderate amount of luggage? Thanks again! To get from the city center to the airport, take the M3 metro line to Kobanya/Kispest (last stop), exit the metro station first by going up a flight of stairs and walking over a walkway then walki...
by mptfan
Wed Aug 08, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1445

Re: A week in Budapest?

Hit a thermal bath one day - the most popular is the Szechenyi Baths which are in a really nice facility and in a nice park. I went to the Szechenyi Baths in April and I was disappointed. Half of the pools were closed, apparently for renovation, but we had no way of knowing that until we paid and w...
by mptfan
Tue Aug 07, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1445

Re: A week in Budapest?

I visited Budapest in April. I recommend taking a day trip by train to Visegrad castle, it's about 50 minutes by train, then you have to take a ferry across the Danube river to a small town (Visegrad), walk up a hill/mountain to get to the castle. If you want more details, I would be happy to provid...
by mptfan
Tue Aug 07, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5301

Re: Comfort level with Credit Card Balance

khangaroo wrote:
Fri Aug 03, 2018 3:37 pm
What is your relationship with your credit card balance ...?
Platonic.
by mptfan
Tue Aug 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 109184

Re: Anyone regret paying off mortgage early?

I'm sure there are some who regret it, considering the stock market has done very well over the last 10 years. Hindsight is 20/20. If the market had done poorly, there would be less regret.
by mptfan
Mon Aug 06, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: All cash retirement portfolio
Replies: 14
Views: 2376

Re: All cash retirement portfolio

Did your parents ask for your advice as to how to invest their money?
by mptfan
Fri Aug 03, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 53
Views: 7574

Re: should I use vanguard's 2 step verification sign in

Vanguards Yubikey is totally useless because you can always click on the "send SMS" instead option (which I dont think you can disable once you enable the Yubi key) so it is entirely a waste of time I agree, and I pointed this out before in a thread that I started... https://www.bogleheads.org/foru...
by mptfan
Tue Jul 31, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1409

Re: Are women worse at investment?

staythecourse wrote:
Tue Jul 31, 2018 7:28 pm
Man, this world is too PC/ sensitive.
+1000
by mptfan
Tue Jul 31, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 53
Views: 7574

Re: should I use vanguard's 2 step verification sign in

You need the text message code when using a new device or computer, or after a software update that deletes the stored cookie in your browser. I use the text message code, but despise it because it’s useless when traveling overseas or outside of data range. That’s why I prefer a revolving token, li...
by mptfan
Mon Jul 30, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11818

Re: Joint Ownership of home with second wife

Money is the #1 cause of divorce. The original post is one big red flag as this isn't a legal issue but relationship issue. I agree with this. Don't marry or buy a house with this woman, the two of you are on different pages and it will come back to bite you eventually. Some of the issues that jump...
by mptfan
Fri Jul 27, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2320

Re: Figuring out long-term technology plan for kids - Chromebook?

When these kids grow up, they may well take Gmail, Docs and Sheets into the workplace with them. Maybe these will be the future resume builders and Office could be passe. Who knows? The future is already here. I use Gmail and Google Docs and Sheets in my office, and when I look to hire new people (...
by mptfan
Thu Jul 26, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9287

Re: Toughest Purchase of my Life. Engagement Ring time

For some reason, a diamond just feels like a big scam thanks to the De Beers. It feels that way because it is. Unfortunately, many women have expectations about the size, color, shape, cost of an engagement or wedding ring that have been created by a very effective De Beers marketing campaign, and ...
by mptfan
Thu Jul 26, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2320

Re: Figuring out long-term technology plan for kids - Chromebook?

Thanks for all the advice. I am probably going to go with 4GB to start, since the price goes up quite a bit for the 8GB chromebooks. I will try both at Best Buy and open a bunch of tabs to get a sense of the impact. I have two Chromebooks and one Chromebox at home, I no longer own any Windows based...
by mptfan
Thu Jul 26, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Debt free -- impact on credit score
Replies: 16
Views: 1457

Re: Debt free -- impact on credit score

Read this thread...

"Credit score after becoming debt free?"
viewtopic.php?f=2&t=253749
by mptfan
Wed Jul 25, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6789

Re: Daughter wants to travel on her own to Montreal

Would you visit a museum or go to dinner by yourself in your own hometown? If yes, then what's the difference if you're home or traveling? If no...well, I just don't understand that. Traveling solo is spectacular! When you are close to home, you are familiar with your surroundings, you know what pl...
by mptfan
Tue Jul 24, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6789

Re: Daughter wants to travel on her own to Montreal

There's probably more to this story...a guy, a friend?
by mptfan
Tue Jul 24, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2320

Re: Figuring out long-term technology plan for kids - Chromebook?

MnyGrl wrote:
Tue Jul 24, 2018 12:28 pm
Would a Chromebook meet her needs?
Yes, it would be ideal.
by mptfan
Sun Jul 22, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11001

Re: I may have understood why it's so hard to save and invest

MnD wrote:
Sun Jul 22, 2018 9:20 am
Consider the median US household has financial assets (all types) of $23,500.
What is the source of that data?
by mptfan
Sat Jul 21, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 44
Views: 5133

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

I have a Schwab checking account and I love it. Note that the Schwab checking account is a real checking account issued by Schwab Bank, whereas the Fidelity CMA is not a checking account, it is a brokerage cash management account.
by mptfan
Sat Jul 21, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15156

Re: First Prize: "The Bogleheads' Guide to The Three-Fund Portfolio"

mptfan: Congratulations on your winning name for our new Podcast. It is also notable that you were a contributing author to "The Bogleheads' Guide to Retirement Planning." Your prize, "The Bogleheads' Guide to The Three-Fund Portfolio," is in the mail. Enjoy! Best wishes Taylor Thank you Taylor. I ...
by mptfan
Fri Jul 20, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 5168

Re: Telemarketing calls from my own prefix

I got a call recently from an uknown number which included my local area code, so I answered out of curiousity. A female voice spoke with an Indian accent and claimed that she was from [insert name of local city], however, she pronounced the name of the local city incorrectly, in a way that would be...
by mptfan
Fri Jul 20, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11001

Re: I may have understood why it's so hard to save and invest

unclescrooge wrote:
Thu Jul 19, 2018 11:58 am
Also, a journey of a thousand miles begins with a single step.
Wow, that's profound, can I use that?
by mptfan
Fri Jul 20, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7174

Re: How do you handle the urge to DO something?

And why would someone with a simple portfolio have to make the tweaks? No one has to make tweaks, that's not the point. The point is how to deal with the urge to make tweaks? We are human (well at least I know I am), and we have human urges whether those urges are rational or optimal or otherwise a...
by mptfan
Fri Jul 20, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7174

Re: How do you handle the urge to DO something?

blackfish wrote:
Wed Jul 18, 2018 7:17 am
How do you handle the urge to constantly tweak things?
I divert the urge into creating and fiddling with and tweaking spreadsheets to track my spending / account balances / investments.
by mptfan
Fri Jul 20, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is my umbrella policy over priced?
Replies: 20
Views: 1673

Re: Is my umbrella policy over priced?

BBQ Nut wrote:
Fri Jul 20, 2018 10:36 am
Just got our umbrella policy renewal notice, and am wondering if others are getting better premium prices.
Why are you insuring your umbrella, how expensive is it?
8-)
by mptfan
Fri Jul 20, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13841

Re: Saving 20% of paycheck isn't enough

It is also rather disappointing that you can not not make your argument on its own merits. Rather you felt it necessary to engage in a passive aggressive Ad hominem/Ad populum logical fallacy attack. I don't know what all of that means, I did not intend to attack, I intended to point out the mistak...
by mptfan
Fri Jul 20, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13841

Re: Saving 20% of paycheck isn't enough

Isn't enough for what exactly? It's a rule of thumb that implies you will work until the retirement age and start pulling out social security benefits immediately. It also implies you will withdraw about 80% of your income every year and maintain your standard of living. So someone that makes 200k ...
by mptfan
Fri Jul 20, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6895

Re: Families - What's your total annual credit card spend?

naclt wrote:
Fri Jul 20, 2018 11:26 am
I think paying utilities by bill pay is one of my last remaining “old school” habits.
I do the same and I don't think it's old school, bill pay has only been around for less than 15 years or so.
by mptfan
Fri Jul 20, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Why Take Risk on Equity Side?
Replies: 78
Views: 5528

Re: Why Take Risk on Equity Side?

GrowthSeeker wrote:
Fri Jul 20, 2018 9:39 am
Does anyone know what percent of this fund/ETF [Vanguard Total Bond Market Fund] is HY corporate bonds?
(Maybe it is minuscule.)
Yes, it is 0%.
by mptfan
Fri Jul 20, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3493

Re: Fake IRS calls - anybody care?

munemaker wrote:
Fri Jul 20, 2018 8:05 am
Does anyone fall for these stupid scam calls? The word has been out on this for years.
Yes, people still fall for these scams, or else they would stop.
by mptfan
Fri Jul 20, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3493

Re: Fake IRS calls - anybody care?

I ain't stupid enough to fall for these scams. I can't believe a lot of people fall for this. I can't believe it either. I know of a person who is a well educated professional who almost fell for such a scam. A scammer called him on his cell phone and they told him there was a federal warrant and h...
by mptfan
Thu Jul 19, 2018 11:36 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 115
Views: 14596

Re: Improving the Bogleheads forum

miles monroe wrote:
Fri Aug 19, 2016 2:50 pm
automatically get rid of +1.
+1
by mptfan
Thu Jul 19, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Why Take Risk on Equity Side?
Replies: 78
Views: 5528

Re: Why Take Risk on Equity Side?

I have been an advocate of "taking your risk on the equity side." However, I noticed that from 1979-2018 (the maximum time period that Portfolio Visualizer has data) the risk-adjusted return for high-yield corporate bonds in actually slightly higher than the risk-adjusted return for the US stock ma...
by mptfan
Wed Jul 18, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 11505

Re: New Vanguard Security Code Requirement

BL wrote:
Wed Jul 18, 2018 12:01 am
Can it remember all of your computers if you go through the process once with each one?
Yes.
by mptfan
Tue Jul 17, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6895

Re: Families - What's your total annual credit card spend?

Grt2bOutdoors wrote:
Mon Jul 16, 2018 8:24 pm
livesoft wrote:
Mon Jul 16, 2018 6:48 pm
We pay almost everything with a credit card: phone bills, other utilities, insurance, college tuition, plus all the usual stuff. We try to never ever use cash for anything. So about $17 a year.
Seventeen dollars!?? Sign me up! I can retire in 5 years at that rate of spending.
LOL.
by mptfan
Tue Jul 17, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 11505

Re: New Vanguard Security Code Requirement

Just got a notification that Vanguard is implementing mandatory 2 factor authentication procedures. I've worked in IT security and absolutely hate this feature. I don't work in IT but I like 2 factor authentication, I think it's a worthwhile precaution and Vanguard should be praised for taking step...
by mptfan
Tue Jul 17, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7212

Re: Anyone not have a Budget?

I don't have a budget, but I do track my spending by category using a home made spreadsheet.
by mptfan
Mon Jul 16, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2417

Re: Passport expiration time rules for France

For what it's worth, I renewed my passport last year and I got the new one in three weeks, and I paid the normal fee, no expedite.
by mptfan
Mon Jul 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2727

Re: How much did your braces/invisalign braces cost?

Two years ago I negotiated directly with the dentist a paid up front price by check of $4,000 after he quoted $4,900 for regular braces, not invisible. It seems that most people pay over time or arrange for financing, and I was able to get a signficant discount by paying in full up front by check.
by mptfan
Mon Jul 16, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13139

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I also realized it's my personal e-mail that is used for all of the two step verification, and for better or worse that's "mine" and not something I plan on giving access to her...sort of the same way I wouldn't read her journal/go through her e-mails/log into her Facebook account. You refuse to gi...
by mptfan
Mon Jul 16, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 6800

Re: Are Credit Cards Actually Convenient?

Another “no, this is not normal” answer from me. +1 I remember many years ago when I got a new Amex card I was declined at a gas station far away from my home after I had paid for gas the day before (I had driven very far and needed gas again), apparently they thought it was suspicious that I was p...
by mptfan
Sun Jul 15, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Take 5% of Folio age 75 Onward?
Replies: 14
Views: 1789

Re: Take 5% of Folio age 75 Onward?

I think you would be fine with 5% even before age 75, and I think 3% is too low before 75 and 5% is a bit low after 75, you would probably be fine with 6 or 7 or 8%. How long do the life expectancy tables say you will live? 10-12 years?
by mptfan
Sun Jul 15, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13139

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I also realized it's my personal e-mail that is used for all of the two step verification, and for better or worse that's "mine" and not something I plan on giving access to her...sort of the same way I wouldn't read her journal/go through her e-mails/log into her Facebook account. You refuse to gi...
by mptfan
Sat Jul 14, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: If my brokerage debit card is used fraudulently, who's responsible for margin interest charges?
Replies: 12
Views: 941

Re: If my brokerage debit card is used fraudulently, who's responsible for margin interest charges?

But, in contrast to the credit card companies who are really good with this, I was amazed how clumsy and flat-footed Chase Banking was in their reaction to this obvious fraud. So we now have a lot less confidence that a brokerage house will fix this with credit card-like turnaround time or effectiv...