Search found 343 matches

by gnosis
Wed Sep 14, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 13502

Re: Favorite Coffee

Organic is a must. Anything I put into my body on a daily basis better be organic... except beer.
My choice is the most flavorful inexpensive organic ground coffee that I can find anywhere, and it's available from Costco online:

San Francisco Bay Organic Rain Forest Blend
by gnosis
Sun Jul 31, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: PA529 - College Saving Plan
Replies: 12
Views: 996

Re: PA529 - College Saving Plan

Thanks for that info gnosis. To me (as of now), PA529 seems better choice than VG529. Even though the Expense Ratio of VG529 is lesser than that of PA529, the SAGE part of PA529 is big bang for the bucks. Do you agree? Also please share your thoughts on which plan to choose between 529 Guranteed Sa...
by gnosis
Sun Jul 31, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: PA529 - College Saving Plan
Replies: 12
Views: 996

Re: PA529 - College Saving Plan

Based on what I see on the SAGE website it seems that the only 529 participating with this program is PA:

https://secure.tuitionrewards.com/sp/

(Unbelievable!!)
by gnosis
Sun Jul 31, 2016 6:09 am
Forum: Investing - Help with Personal Investments
Topic: PA529 - College Saving Plan
Replies: 12
Views: 996

Re: PA529 - College Saving Plan

Agree with above posts. I'm in the same boat as you. Married in PA with two kids under 5. First child has PA 529. Just to make things interesting I decided to go with Utah 529 for our younger one. You can always switch to another state anyway. One reason I'll probably always have at least one 529 wi...
by gnosis
Wed Jun 17, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Independent contractor - LLC vs S corp vs other
Replies: 106
Views: 23467

Re: Physician Independent contractor - LLC vs S corp vs other

In PA if you're a Professional LLC you are required to pay an additional $500 annually just because you're a Professional LLC. I found that out after I became one. Isn't that wonderful? I googled it once before. I think it was called the "Oh, since you're a rich doctor, pay us more or else &quo...
by gnosis
Wed Apr 22, 2015 11:46 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 7426

Re: Home Air Filters

I have found that eBay has hands down the best price for air filters. I buy Merv 8 in 6 packs for about $30 and change them every 3 months.
by gnosis
Thu Feb 19, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 6302

Re: Why do companies match 401K contributions?

Found your question in an older thread, so this should be helpful: http://www.bogleheads.org/forum/viewtop ... &p=1454364

A quick Google search gave me this answer to your question as well: http://www.investopedia.com/ask/answers ... s-401k.asp
by gnosis
Wed Feb 04, 2015 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth vs Student loans-6 month update
Replies: 16
Views: 1970

Re: Mega Backdoor Roth vs Student loans

Your E fund is only 2% of your gross annual income, so I would either defer MBD Roth until the E fund is much larger, or ditch the concept of having a separate E fund and just use your Mega Roth fund as a your E fund.
by gnosis
Sat Nov 08, 2014 10:08 am
Forum: Personal Finance (Not Investing)
Topic: [Expensive 457(b). How to get employer to change plan?]
Replies: 8
Views: 1464

Re: TPA charging unreasonable fees? Conflict of interest?

Can you suggest at your Union meeting that you bring in another financial advisor as a free 2nd opinion? You can then find a fee only advisor who promotes passively managed index funds and is in line with your Boglehead philosophy BTW this is exactly what I'm doing myself with my company's 401k plan.
by gnosis
Fri Jul 04, 2014 8:13 am
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 13120

Re: I found a new coffee.

Cafe Altura on Amazon is organic or fair trade, depending on which you choose. It's not expensive and it's frickin delicious. I got my brother in law in Seattle hooked on it.
by gnosis
Thu May 15, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cigna HMO plan- Dr says she will not take HMOs anymore
Replies: 16
Views: 2565

Re: Cigna HMO plan- Dr says she will not take HMOs anymore

You certainly are stuck and I agree with you that it is not worth filing a complaint. Going forward this will get worse. So I suggest using this as a learning experience and unless you are financially in serious trouble, I would not enroll in an HMO but would enroll in an open system with as wide a...
by gnosis
Wed Apr 09, 2014 8:02 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 20007

Re: Expensive hobbies and possessions? (B/c you can...)

avalpert wrote:
gnosis wrote:Decent liquors, especially scotch

Have you discovered Caskers (http://caskers.com/welcome) yet? It has occasionally great deals and consistently good deals on some hard to find selections.

I have not. Thank you, it looks like fun!
by gnosis
Tue Apr 08, 2014 8:17 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 20007

Re: Expensive hobbies and possessions? (B/c you can...)

http://i58.tinypic.com/s1izjb.jpg My 2002 Sportsmobile camper-van, which I bought with about 1/2 of an unplanned for inheritance, and in which I spent most of 2005, after I sold my home, traveling in western US and Canada. $$ well spent. ... but what is that addition on the top? Is that a hot tub? ...
by gnosis
Tue Apr 08, 2014 7:46 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 20007

Re: Expensive hobbies and possessions? (B/c you can...)

2013 BMW 335i
Organic/healthier foods, including pasture-raised meats
Expensive meats e.g. filet mignon, king salmon, halibut
Decent liquors, especially scotch
Belgian beers
Dining out
Resort vacations
by gnosis
Sun Mar 09, 2014 5:44 pm
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 10895

Re: Total Market Bond Fund vs Intermediate Term Fund

I was a director of the Dade County (Miami) Housing Authority which issues municipal bonds. In my opinion, ANY low-cost, good quality, short- or intermediate-term bond fund will provide safety and income in a portfolio. I have visited Wall Street bond trading rooms containing hundreds of bond exper...
by gnosis
Sun Mar 09, 2014 11:27 am
Forum: Personal Consumer Issues
Topic: Poll: Do you use the Amazon link here to make purchases?
Replies: 24
Views: 1972

Re: Poll: Do you use the Amazon link here to make purchases?

Sometimes I will link Amazon to White Coat Investor instead
by gnosis
Fri Sep 06, 2013 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 140765

Re: PenFed Visa card for Gas program changing, now with a fe

This is the same letter I received today, and it said nothing about the rewards being reduced to 3%. Look at the back of the paper. Oh for cryin' out loud!! I didn't see there was a back side. I will be canceling this card. It's not worth it to me. I still have three other credit cards with rewards...
by gnosis
Thu Sep 05, 2013 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 140765

Re: PenFed Visa card for Gas program changing, now with a fe

Wingless, below is the email. PenFed frequently evaluates the cost effectiveness of our products so that we can continually offer incredibly low rates to all our members. This evaluation has resulted in a change to your PenFed Platinum Cash Rewards Visa® Card and will be effective October 26, 2013....
by gnosis
Thu Sep 05, 2013 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 140765

Re: PenFed Visa card for Gas program changing, now with a fe

I don't see it as a deal-breaker. If you spend $200/month on gas like I do, that's $120 cash back annually from the 5% cash back reward. If you pay the annual $25 fee, you effectively reduce your cash back reward to about 4%. That's still a great reward! If you just can't accept the thought of payin...
by gnosis
Mon Aug 05, 2013 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Matching TSM in 401K?
Replies: 6
Views: 603

Re: Matching TSM in 401K?

Thanks for the responses. Yes, the Approximation Tables are where I started. Was just wondering if there was a way to fill in the style boxes with with % given the info I have about the 401K funds. Seems like you would need to know value/growth information if you ever wanted to tilt one direction. ...
by gnosis
Tue Jul 30, 2013 10:13 am
Forum: Investing - Theory, News & General
Topic: The Truth About TSP F and G Funds
Replies: 6
Views: 1306

Re: The Truth About TSP F and G Funds

I might agree with just the last sentence in that quote. Being safe and conservative by heavily allocating into F fund and/or G fund do not build wealth. They help to maintain your wealth that you've acquired from riskier assets such as stocks
by gnosis
Thu Jul 25, 2013 8:37 am
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 6386

Re: What Are You Using for Your Emergency Funds?

5-year CD ladder of five accounts in our credit union. They are all now getting 5-year rates of 2% or greater.
by gnosis
Wed Jul 24, 2013 1:47 pm
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 5697

Re: Nutrition Bars

Kind bars are delicious and they don't taste too healthy for you either, if you know what I mean. I get them by the dozens through Amazon.
by gnosis
Fri Jul 05, 2013 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 61
Views: 8944

Re: Foreign stocks as a % of your stock asset allocation

It depends on where you intend to spend the money. If your living outside the US now but plan on retiring here, then 70% in US and 30 foreign still makes sense. Rick Ferri What's recommended for an expat retired overseas in, say, an emerging market such as Thailand, and with all of their investment...
by gnosis
Tue Jul 02, 2013 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 10839

Re: What was your worst investment?

My first house. My wife and I had just gotten married, and planned to start a family shortly after moving into the 3-bedroom house. Well, shortly after moving in, she decides she wants to put off having kids for the next 4 years and start taking night classes so she can get her Master's degree. Here...
by gnosis
Sat Jun 29, 2013 4:20 pm
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 16625

Re: What do you wish you had learned sooner?

That we should have bit the bullet from the get-go with a 15-year fixed mortgage instead of 30-year fixed. Could have had so much more equity now just 5 years later.
by gnosis
Sat Jun 29, 2013 6:26 am
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan (TSP) Returns as of June, 2013
Replies: 10
Views: 1676

Re: Thrift Savings Plan (TSP) Returns as of June, 2013

Very nice graphs and data. Loved this Saturday morning presentation, thank you! :beer
by gnosis
Thu Jun 20, 2013 7:38 pm
Forum: Investing - Theory, News & General
Topic: Split the Equity allocation 50% US / 50% International
Replies: 34
Views: 4094

Re: Split the Equity allocation 50% US / 50% International

The poll is set up with 4 straight-forward mathematical options and one opinion statement of "No way! Too aggressive!". Consider editing the poll.

at 50/50 now
going to 50/50
zero
other
by gnosis
Wed Jun 05, 2013 5:36 am
Forum: Investing - Theory, News & General
Topic: El-Erian: Walk, Don't Run From Equities Risk
Replies: 36
Views: 5132

Re: El-Erian: Walk, Don't Run From Equities Risk

Never take advice from a Jets fan.
by gnosis
Fri May 31, 2013 5:18 pm
Forum: Investing - Theory, News & General
Topic: What's the right allocation to international bonds?
Replies: 39
Views: 4007

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

Why zero? Why turn your nose up at such a huge global market?
by gnosis
Fri May 31, 2013 4:39 pm
Forum: Investing - Theory, News & General
Topic: What's the right allocation to international bonds?
Replies: 39
Views: 4007

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

Oh boy, here we go! Are we having fun yet? This debate really gets to the heart of a Boglehead principle, that bonds are for safety, so put your risk onto the stock side. Yet this is a riskier group of bonds which provides some negative correlation, which should reduce overall volatility. Hmm, star...
by gnosis
Tue May 28, 2013 6:32 pm
Forum: Personal Consumer Issues
Topic: What are your favorite android smartphone apps?
Replies: 50
Views: 7380

Re: What are your favorite android smartphone apps?

Geico BroStache
Brightest Flashlight
GasBuddy
Gentle Alarm
Screen Filter
Where's My Droid
Flixster
IMDB
Wells Fargo, Capital One, and Bank of America - all just for their mobile deposit feature
by gnosis
Sun May 26, 2013 9:33 pm
Forum: Personal Consumer Issues
Topic: Do you tip on take out?
Replies: 70
Views: 6553

Re: Do you tip on take out?

They should tip me for driving all the way over there and smiling as I pay for my order. How do you like them apples?
by gnosis
Sat Apr 27, 2013 3:17 pm
Forum: Investing - Theory, News & General
Topic: Poll: Owning bonds and having debt
Replies: 10
Views: 1150

Re: Poll: Owning bonds and having debt

Since I started investing 5 years ago, I have paid off all of what I consider to be high-interest debts, i.e. greater than 3% interest, and I also just refinanced to a fixed 3% mortgage. I consider debt as negative bond. I've maintained a high equity AA all the while around 85/15, which is a slightl...
by gnosis
Wed Mar 13, 2013 1:20 pm
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 12313

Re: What Type Of Wallet Do You Prefer?

Tumi bi-fold on Ebay brand new $50. Super durable leather. Not a single shred or tear anywhere after 5 years. Looks like it's just a few months used.
by gnosis
Sat Mar 09, 2013 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 13950

Re: Why should young people invest in bonds at all?

To me, the most compelling reason to hold no bonds in your portfolio is if you consider your loans as negative bond. Therefore, paying down your debts is equivalent to a guaranteed bond return on your "investment".
by gnosis
Sat Mar 09, 2013 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 13950

Re: Why should young people invest in bonds at all?

...Sorry for posting on the same topic--I promise I searched the forum before posting! That's okay, sometimes we search but the search engine just doesn't give you what you're looking for. I wish our search results could be sorted in order of most replies or views. That would easily give you the be...
by gnosis
Sat Mar 09, 2013 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 13950

Re: Why should young people invest in bonds at all?

Welcome! Here's a helpful link: http://www.bogleheads.org/forum/viewtopic.php?p=538014 I noticed that the person who started that thread was also 26 years old. What is it with you guys at 26 and bonds questions? ... there has apparently never been a 30 year period (since we've started measuring such...
by gnosis
Tue Mar 05, 2013 4:17 pm
Forum: Investing - Theory, News & General
Topic: 5-year high news
Replies: 12
Views: 1276

Re: 5-year high news

Bah humbug! Come back and talk to me when we reach a new high adjusted for inflation... later this year :mrgreen:
by gnosis
Thu Feb 21, 2013 7:22 am
Forum: Personal Finance (Not Investing)
Topic: What credit/charge cards do you have in your wallet?
Replies: 114
Views: 69377

Re: What credit/charge cards do you have in your wallet?

Discover More - 5%-20% cash back from rotating categories & ShopDiscover cashback portal Chase Freedom Visa - 5% cash back from rotating categories, alternative to Discover card PenFed Visa - 5% cashback at gas stations Starwood Amex - about 2% back in points that I've always redeemed for hotel ...
by gnosis
Sun Feb 17, 2013 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Would insurance cover a meteor/sonic boom damage?
Replies: 32
Views: 2466

Re: Would insurance cover a meteor/sonic boom damage?

Ask gnosis for the original source. Presumably it's something like, on a specific day T, an asteroid of mass at least M, passes within distance D of earth and on the same day a meteor of mass at least N hits the Earth. If one is a one in a hundred year event and the other is a one in a ten year eve...
by gnosis
Sun Feb 17, 2013 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Would insurance cover a meteor/sonic boom damage?
Replies: 32
Views: 2466

Re: Would insurance cover a meteor/sonic boom damage?

I actually agree. I don't see how it could be 1 in 100M. I won't go into it further, don't want to digress from OP.
by gnosis
Sat Feb 16, 2013 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would insurance cover a meteor/sonic boom damage?
Replies: 32
Views: 2466

Re: Would insurance cover a meteor/sonic boom damage?

Black Swan insurance is what you're looking for. BTW the scientists calculated that the chances of a meteor and an asteroid both coming so close to Earth on the same day... yesterday... was 1 in 100 million.
by gnosis
Thu Jan 31, 2013 8:38 pm
Forum: Personal Consumer Issues
Topic: Best Automobile Forums
Replies: 19
Views: 3206

Re: Best Automobile Forums

BobIsTheOilGuy.com/forums/ubbthreads.php?ubb=cfrm
by gnosis
Mon Jan 28, 2013 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from 80/20 to 70/30, whining
Replies: 28
Views: 3013

Re: Rebalancing from 80/20 to 70/30, whining

Do you have any debts that you could pay down this year instead of buying into bonds? If you pay down a 5% interest debt, that's like buying a guaranteed 5% bond. In the super-low yield world we're in these days, it's a great time to pay down your debts instead of buying into bonds.
by gnosis
Wed Oct 24, 2012 6:13 am
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 5364

Re: What's Your Favorite Hot Sauce?

The Pepper Plant brand's "Original California Style Hot Pepper Sauce" available on Amazon. Unbelievable. Chunky, great on eggs.
by gnosis
Mon Oct 08, 2012 8:49 pm
Forum: Investing - Theory, News & General
Topic: Do you overweight emerging markets?
Replies: 83
Views: 8421

Re: Do you overweight emerging markets?

I don't overweight emerging markets. And I seem to be one of the few people in this forum who has read and takes seriously the stuff every Prospectus says about the special risks of emerging markets. But then I even dislike the phrase "emerging markets." It's spin, it's euphemism. Can't w...
by gnosis
Mon Oct 08, 2012 7:36 pm
Forum: Investing - Theory, News & General
Topic: Do you overweight emerging markets?
Replies: 83
Views: 8421

Re: Do you overweight emerging markets?

I have my EM at about 10% over its international market weight (33% instead of 24% of the ex-US market). I started off with the same plan for the first few years, but I got tired of checking it, so I decided to get lazier... simpler... and went back to plain old, boring, vanilla VGTSX (Total Int'l ...
by gnosis
Mon Oct 08, 2012 4:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Poll] How True a Boglehead are You?
Replies: 44
Views: 3119

Re: [Poll] How True a Boglehead are You?

I don't live below my means. You only live once. Other than that difference in philosophy, I'm a diehard Boglehead.