Search found 625 matches

by SecretAsianMan
Sun Dec 10, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2361

Re: Do girls wear Ninja Turtle character shoes

FB01 wrote:
Sun Dec 10, 2017 1:05 pm
chevca wrote:
Sun Dec 10, 2017 11:41 am
Um, the OP has a son that is interested in these girl shoes. That's the conundrum. :wink:

Correct..that is the issue...based on what you guys have said..i believe it should be fine as there should be nothing girly in the shoes for my son to wear....
Wow, this is sad.
by SecretAsianMan
Thu Jul 20, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 2152

Re: SAT scores - whats the point??

There are plenty of good reasons to oppose the use of the SAT, but you seem to have happened upon the worst such argument I've ever heard. Impressive! Congrats!

SAM
by SecretAsianMan
Fri Jul 07, 2017 1:04 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 17763

Re: Dividend Misunderstandings & Only Spend Return

When I started investing in VHDYX (a couple years ago) the price was about $25.00 per share. Today the price per share is about $31.00 . In the last few years I have accumulated a lot more shares. Some by dollar cost averaging each month, some by dividend payments reinvested each quarter. All I kno...
by SecretAsianMan
Sat Jul 01, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: NYCDCP vs. Personal IRA Account for NYC Public School Teacher
Replies: 25
Views: 1315

Re: NYCDCP vs. Personal IRA Account for NYC Public School Teacher

I'm confused.

Why wouldn't you just invest in the fixed return fund in the TDA and head to the beach?

SAM
by SecretAsianMan
Sun Apr 23, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 80
Views: 9864

Re: Helping adult children

jebmke wrote:No personal experience to relate but I have friends with similar circumstances. They adjust the 50/50 to reflect assistance given to one child as if it were an advance of inheritance.
This makes the most sense to me. Fairest way to do it.
by SecretAsianMan
Fri Apr 21, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: What To Do With My Car While in NYC
Replies: 32
Views: 3387

Re: What To Do With My Car While in NYC

Just a little scenario..... ...During installation, they find that the mice made it behind the dash and stripped all the wires out. Another $3000 to replace everything... Low-life crackhead mice selling copper for scrap. All too common. One of the very few times I've actually lol'd at a bogleheads ...
by SecretAsianMan
Fri Apr 14, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 118
Views: 16504

Re: Dealership rejecting rebate after contract signed

2) he had already told his little kids about the "silver car" he had bought and they were all excited about the "silver car." The replacement car was actually dark gray. So rather than disappoint them or get into complicated explanations, he just called the dark gray car "silver." And now my grandk...
by SecretAsianMan
Wed Apr 12, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 4608

Re: Legality of renters posting reviews of a condominium complex?

The first amendment applies to government restricting your speech, not private parties. Bogleheads moderators can delete topics and posts based on their policy. Is that a violation of the first amendment? No. If Yelp wanted to prevent certain content on their site, could they do it? Yes. Would it b...
by SecretAsianMan
Wed Apr 12, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 4608

Re: Legality of renters posting reviews of a condominium complex?

The first amendment applies to government restricting your speech, not private parties. Bogleheads moderators can delete topics and posts based on their policy. Is that a violation of the first amendment? No. If Yelp wanted to prevent certain content on their site, could they do it? Yes. Would it b...
by SecretAsianMan
Wed Mar 29, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think about Aspiration?
Replies: 12
Views: 1244

Re: What do Bogleheads think about Aspiration?

If you're just talking about the checking account, then sure, 1% is an acceptable rate for a checking account. Their flagship fund-of-funds is atrocious, however. It contains 21 (!!!!!) funds that make up less than 3% of its assets. It is generally accepted that any investment that makes up less tha...
by SecretAsianMan
Mon Mar 20, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 5425

Re: My son wants to move to Hong Kong

1) He definitely shouldn't marry her right now. 2) Americans can stay 90 days in HK without a visa. He should be able to make a few visa runs (leaving for a day or more and then coming back) before they give him any trouble. Combine visa runs with frequent longer travel to other countries and he sho...
by SecretAsianMan
Fri Jan 06, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cost for wills, trusts, etc. in central PA?
Replies: 0
Views: 172

Cost for wills, trusts, etc. in central PA?

I have family who is getting their estate documents in order. They've met with an attorney and wanted to know what a reasonable cost expectation is for what they want to do. It's a married couple, both with adult children from previous marriages but no kids together. The goal is for the surviving sp...
by SecretAsianMan
Sat Oct 08, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: Dilbert Sums Up Exactly How I feel at times
Replies: 34
Views: 5225

Re: Dilbert Sums Up Exactly How I feel at times

I think you guys may be misinterpreting the last part of the comic. It says "If it makes you feel any less awkward..." [i.e. I just exploded and said RUN COVER YOUR EARS, having someone yell like that must make you feel awkward. Now I will tell you something that may help you feel less aw...
by SecretAsianMan
Sat Oct 08, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 3368

Re: Most reliable/safe/bulletproof way to get cash overseas

Schwab checking account. Reimbursement of ATM fees anywhere in the world and 24/7 customer service. Have used it on 6 continents without a problem (still waiting till I can get to the ATM in Antarctica!)

SAM
by SecretAsianMan
Sat Oct 08, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: Dilbert Sums Up Exactly How I feel at times
Replies: 34
Views: 5225

Re: Dilbert Sums Up Exactly How I feel at times

I read this last week (it was in last week's sunday paper) and my girlfriend howled out loud and said I'd love it. So I read it and I was enjoying it (as with many Dilbert strips) right up until the last panel. That's where the creator of Dilbert loses me every time. The reason this clip is NOT goo...
by SecretAsianMan
Tue Oct 04, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Min. length of record of income for mortgage?
Replies: 11
Views: 1279

Re: Min. length of record of income for mortgage?

Thanks again for all the feedback! I guess my question at this point would be just how disqualifying would the lack of a long record of income be? We have slightly over 1/3 of the value of the house in retirement and taxable accounts. My 2015 W-2 was relatively low because I only worked 4 months bef...
by SecretAsianMan
Tue Oct 04, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Min. length of record of income for mortgage?
Replies: 11
Views: 1279

Re: Min. length of record of income for mortgage?

Thank you for the replies so far. When I borrowed in 2013, they wanted to see the last two years of income in the same career path (i.e. you could change firms as a lawyer, but if you went from lawyer to teacher, the clock would restart). Things may have loosened a bit since then. That would certain...
by SecretAsianMan
Tue Oct 04, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Min. length of record of income for mortgage?
Replies: 11
Views: 1279

Min. length of record of income for mortgage?

My spouse and I are looking to buy our first house sometime in the next year (and ensure we get the best rates our credit scores should qualify us for). During the past 15 months, however, I attended grad school and transitioned from being a corporate lawyer to a high school teacher. I am now workin...
by SecretAsianMan
Wed Jul 06, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 492
Views: 46636

Re: Picking College and College Scholarships

And we will not support any option requiring debt. Why? +1 I understand saying the parents won't take any debt or even that you won't let him take on, say, 200K in debt because he might not recognize the full ramifications of that. Saying you won't let him take on ANY debt lest you stop supporting ...
by SecretAsianMan
Fri Jun 17, 2016 3:40 am
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 8108

Re: Neighborhood kids setting up lemonade stand on my property

Love most of the responses here. [OT comment removed by admin LadyGeek] I'd recommend trying to act like a normal human being, smile at the old fashioned reminder of a simpler time, and buy some lemonade. As others said, it will be short-lived. Have a good attitude and worry less; it will serve you ...
by SecretAsianMan
Fri Jun 17, 2016 3:05 am
Forum: Investing - Theory, News & General
Topic: Real Estate Vs Stock Market
Replies: 22
Views: 2524

Re: Real Estate Vs Stock Market

Does someone have anecdotal experience of something "breaking in the middle of the night." This seems super rare, and anything short of a main water line breaking can wait until morning. Is this a real question? The point was that it's more of a second job than a passive investment. If yo...
by SecretAsianMan
Tue Jun 14, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: donate car to charity?
Replies: 21
Views: 2022

Re: donate car to charity?

Just don't give it to Kars for Kids... We don't want them to think their commercials are working and inflict more jingles on us... They are not a well regarded charity in any case, e.g. get 1* out of 4 here: http://www.charitynavigator.org/index.cfm?bay=search.summary&orgid=11555 Looks like big...
by SecretAsianMan
Sat Jun 04, 2016 12:07 am
Forum: Personal Consumer Issues
Topic: What TYPE of books do you like to read?
Replies: 48
Views: 3220

Re: What TYPE of books do you like to read?

I simply can not get into fiction, especially fantasy stuff; books or movies. I prefer to read to learn something... To each his/her own of course, but this implies (or outright states) you think there is nothing to be learned from fiction. I have found the opposite to be true. Fiction can edify th...
by SecretAsianMan
Fri Jun 03, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: What does holding cash mean?
Replies: 24
Views: 3515

Re: What does holding cash mean?

Thank you for the replies, holding cash simply mean keeping them in low risk accounts like a savings account. I guess it is safe to say without being an alarmist that one should continue to keep cash in banks whether they be online or brick and mortar no matter what mischief governments are doing ....
by SecretAsianMan
Mon Apr 04, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Ex-Spouse Benefit
Replies: 3
Views: 760

Re: Social Security Ex-Spouse Benefit

Thanks, JW! That leads to a couple more questions: 1) Is she eligible to file a restricted application and start receiving spousal benefits now or will she not be eligible until my dad turns 62? 2) If she is not eligible to receive spousal benefits until he turns 62, when should she file a restricte...
by SecretAsianMan
Sun Apr 03, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Ex-Spouse Benefit
Replies: 3
Views: 760

Social Security Ex-Spouse Benefit

With the changes to file-and-suspend and restricted application rules enacted last year, I must admit to being a bit confused about my mother's situation. I would appreciate it if anyone could shed some light on whether she is still eligible for spousal benefits. Scenario: My parents were married fo...
by SecretAsianMan
Thu Apr 02, 2015 9:59 am
Forum: Investing - Theory, News & General
Topic: Investing in the industry you work in
Replies: 21
Views: 2436

Re: Investing in the industry you work in

Most of my money is in TSM but I think there's an opportunity in my industry for play money, may not be prudent though. Wouldn't be prudent. https://www.youtube.com/watch?v=lXI3-4c67WY http://ak-hdl.buzzfed.com/static/2014-07/17/11/enhanced/webdr08/enhanced-buzz-18361-1405612787-4.jpg SAM
by SecretAsianMan
Sat Mar 28, 2015 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a decent withdrawal strategy?
Replies: 17
Views: 2301

Re: Is this a decent withdrawal strategy?

Bustoff wrote:He needs to plan for a 60 year withdraw period. $4 million/60 years = $66,666 per year.

That's absurd. This doesn't account for any growth in the account. The owner can get over $80,000/year just in interest by investing in FDIC-insured CDs.

SAM
by SecretAsianMan
Sat Mar 28, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: Retirement calculation lies? [Geometric vs. arithmetic mean]
Replies: 49
Views: 7166

Re: Retirement calculation lies?

What bothers me way more than this is that every single calculator does not take into account buying power of the end value. All of these calculators let you put in a small amount and you end up with a big value. None of them tell you that that big value 30+ years down the line is worth a lot less ...
by SecretAsianMan
Thu Mar 26, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 3308

Re: Failed Surgery - Doctor not volunteering discount

I'm amused that the physician's "wait and see" approach is the basis for your anger. If anything, the physician thought there was a decent chance the problem would resolve itself on its own and was trying to save your son the added expense and trouble of additional work. That unfortunately...
by SecretAsianMan
Tue Mar 17, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Domestic Partners & Taxes
Replies: 5
Views: 611

Re: Domestic Partners & Taxes

Ok, thanks for the help!

SAM
by SecretAsianMan
Tue Mar 17, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Domestic Partners & Taxes
Replies: 5
Views: 611

Domestic Partners & Taxes

If a couple areregistered domestic partners in NYC, with one partner on the other partner's health plan, and the couple gets married halfway through the year, does anyone know if the benefit from the first half of the year would be taxable as imputed income? Thanks.

SAM
by SecretAsianMan
Thu Feb 26, 2015 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 34
Views: 4923

Re: "The world's largest non-commercial financial forum".

How do we know that it's the world's largest non-commercial financial forum? I would bet a large amount of money that it's true, but I was expecting some link to back up the claim. Perhaps there's a Chinese forum that's bigger? Doubtful, but I'm often annoyed at the tendency of Americans to add &quo...
by SecretAsianMan
Wed Feb 25, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Younger Spouse, Delay to 70 still good
Replies: 19
Views: 2487

Re: Social Security for a Younger Spouse, Delay to 70 still

When I ran the numbers for my parents (dad 5 years older and ~20% higher PIA, assuming 2% real return on benefits received, dad claiming at 70), I calculated that the breakeven point for claiming at 70 vs. 62 for stepmom was 92 years old for my dad. The odds that, at 67/62 years of age, that they wi...
by SecretAsianMan
Sat Feb 14, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: Future Stock Returns in an Aging World?
Replies: 25
Views: 3826

Re: Future Stock Returns in an Aging World?

For perspective on today's productivity growth rates, it's instructive to look at their recent history (chart below). Productivity in mature economies has been trending downward since the 2000 tech crash and in emerging countries since the 2008 financial crisis. In the U.S. (not shown), it's curren...
by SecretAsianMan
Thu Feb 05, 2015 10:09 am
Forum: Investing - Theory, News & General
Topic: Why publish indexes?
Replies: 9
Views: 982

Re: Why publish indexes?

Why do Dow Jones, S&P, Wilshire and other companies create and publish indexes? One of the nice things about index investing is that you're essentially getting portfolio management for free: someone does the research to choose 500 companies for the index, and you copycat without paying for the ...
by SecretAsianMan
Wed Feb 04, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 3343

Re: anyone here been to the Super Bowl?

Sounds amazing. Not to mention you'll be able to tell your grandkids you were there in person for one of the most (in)famous plays in Super Bowl history. Thanks for letting us know how it went!

SAM
by SecretAsianMan
Tue Feb 03, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 6866

Re: Vanguard Frequent trading policy

SAM The account is locked from buying unless you do so by mail. Never my intention to sell more. I wanted to buy more but I'm being punished by Vanguard for Frequent Trading on this account. Keep in mind this is the first time I have sold this fund. This is not frequent trading by any definition of...
by SecretAsianMan
Sun Feb 01, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3898

Re: Paying off $1 million house in 10 years

I vote for buying a more affordable house with lower taxes, lower upkeep and lower utilities. I read that 90% of millionaires live in houses that cost less than 1 million. I agree completely. In NYC, SF or similar locales, $1 million may very well be an affordable house, especially given their tax ...
by SecretAsianMan
Tue Jan 20, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Know You're Saving Enough?
Replies: 24
Views: 3825

Re: How to Know You're Saving Enough?

Did a 28 year old who has a net worth of $620K just ask if he/she is saving enough? And that he/she was honestly concerned about being "behind the curve"? Oh, I do love being trolled... SAM Edit: Did you misstate your net worth as $620K? That would seem to make a lot more sense given the n...
by SecretAsianMan
Thu Jan 15, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: My Investment Owner's contract
Replies: 13
Views: 1416

Re: My Investment Owner's contract

In reference to your portfolio, I would drop the Small Cap Value. It makes up only 5% of your portfolio and is worth less than 1/10th of your allocation to Total Stock Market, so you are adding needless complexity while your portfolio ending value will be little changed regardless of what SCV does s...
by SecretAsianMan
Tue Jan 13, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Life-Teaching Topics for my Kids
Replies: 43
Views: 4754

Re: Life-Teaching Topics for my Kids

It's 100% because of you. Parents should get the blame when their kids are punks and the praise when kids do well. It's all the parent's fault, good and bad. If that was true, then all the children of the same parents would have similar outcomes. Parents are one factor, among many others, in child ...
by SecretAsianMan
Wed Jan 07, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Tegretol - Expensive Drugs
Replies: 7
Views: 1298

Re: Tegretol - Expensive Drugs

I just looked it up. Apparently the generic for Tegretol is "carbamazepine". It's $4 at Walmart (200mg tab). Perhaps your neurologist is in the pocket of Novartis (the maker of Tegretol)? If you cannot get your neurologist to write the generic prescription, I would get a different neurolo...
by SecretAsianMan
Mon Dec 29, 2014 5:25 pm
Forum: Personal Consumer Issues
Topic: Faking your way through sports small talk
Replies: 34
Views: 3543

Re: Faking your way through sports small talk

I have zero interest in professional sports. I'm a doer in life, not a spectator. Based on this quote, I would be far less worried about your lack of interest in sports hindering your advancement and much more worried about your high self-regard and condescension towards others holding you back. I ...
by SecretAsianMan
Sat Dec 20, 2014 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Christian CU Certificates %5.00 12-Months
Replies: 30
Views: 6143

Re: Christian CU Certificates %5.00 12-Months

As noted above it's not NCUA insured. Additionally, you have to roll the certificate into another 12 month term certificate upon maturity. It looks to me like their $5K term certificates currently yield 0.6%. I calculate that out as a 2.78% APY over the 2 year period. That's better than other 2 year...
by SecretAsianMan
Thu Dec 18, 2014 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Quick ?? RE 100k investment
Replies: 5
Views: 727

Re: Quick ?? RE 100k investment

Why don't you just apply it to your downpayment? I doubt a 5-7 year CD would offer a higher rate than your mortgage. It's also unlikely you'll find any other risk-free investments that have a higher rate.

SAM
by SecretAsianMan
Sat Dec 06, 2014 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Contribution Questions
Replies: 2
Views: 490

Re: HSA Contribution Questions

Thanks for the correction. I calculate that means I should make a full contribution unless I think there is an 80% or higher chance I will change jobs and it won't have an HDHP. Anyone have any comments on my math?

SAM
by SecretAsianMan
Sat Dec 06, 2014 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Contribution Questions
Replies: 2
Views: 490

HSA Contribution Questions

I am eligible to contribute to an HSA this year, but I have a couple thoughts/questions: 1) I have had an HDHP since April 1. I was planning on using HSA Administrators and use an HSA as an investment account going forward, but it appears likely that I will switch jobs next year and that I probably ...