Search found 6130 matches

by Alex Frakt
Mon Nov 16, 2015 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Handling high CC debt
Replies: 64
Views: 4464

Re: Handling high CC debt

A few quick notes on your retirement accounts. - Don't give up the 25% match on your 401(k). - You mentioned that you have a Roth IRA. You can take an amount up to the total of your contributions without paying taxes or a penalty. If you are desperate to get your credit card balances down to help pr...
by Alex Frakt
Mon Nov 16, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Handling high CC debt
Replies: 64
Views: 4464

Re: Handling high CC debt

Get the roommate. Leave the balance where it is and pay off as much as you can while it's in dispute. Your lawyer should be able to drag it out for a while even if you don't eventually prevail. I think there's a behavioral concern with getting a loan. Mentally it's too easy to set up a minimal (if n...
by Alex Frakt
Mon Nov 16, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Telephone number for Voice Mail Only
Replies: 17
Views: 1866

Re: Telephone number for Voice Mail Only

Google Voice?
by Alex Frakt
Mon Nov 16, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: VG "channeling our savings into secret money politics"?
Replies: 11
Views: 1791

Re: VG "channeling our savings into secret money politics"?

Locked. The questions about Vanguard's voting policy are answered above. The rest is off-topic politics.
by Alex Frakt
Mon Nov 16, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: Windows 7- removing Windows 10-related "updates"
Replies: 9
Views: 1248

Re: Windows 7- removing Windows 10-related "updates"

Let's stick to the OP's issue. If someone is interested in alternative operating systems, it can be discussed in a separate thread.
by Alex Frakt
Mon Nov 16, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moving in with GF
Replies: 31
Views: 3490

Re: Moving in with GF

Locked. The question has been answered (to the extent it can be) and for some reason, many responders appear to have forgotten our forum requirement to not act like a jerk "conduct ourselves in a respectful manner to other posters".
by Alex Frakt
Mon Nov 16, 2015 1:15 am
Forum: Forum Issues and Administration
Topic: Did you know? Tips for using bogleheads.org
Replies: 36
Views: 31608

Re: Did you know? Tips for using bogleheads.org

pondering wrote:Can the original post still be updated?

The section containing this link https://www.bogleheads.org/index_wide.htm could use an update.

I updated several sections. I'll take suggestions on stuff that still needs updating.
by Alex Frakt
Sun Nov 15, 2015 3:45 am
Forum: Personal Finance (Not Investing)
Topic: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.
Replies: 147
Views: 9675

Re: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.

I apologize for being frank, but you want - to keep all the inheritance for your retirement, - to contribute $0 to your husband's retirement accounts, - to have your kids tuition subsidized by the tax payer, - and for your kids to be debt free. You may have to pick two out of four. I agree. Let me ...
by Alex Frakt
Sun Nov 15, 2015 1:38 am
Forum: Personal Consumer Issues
Topic: Spatchcock [aka Butterfly] Your Turkey?
Replies: 15
Views: 1708

Re: Spatchcock Your Turkey?

When did butterflying a bird become spatchcocking it?

OK, I guess I'll do the research myself...

Yep, it's the same thing. Removing the backbone to let the bird lay flat for faster and more even cooking.


Title edited for clarity.
by Alex Frakt
Fri Nov 13, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Captcha problems
Replies: 13
Views: 1280

Re: Captcha problems

Sometimes zooming in helps. Hold Ctrl (or Options) and hit the "+" a couple of times works in most browsers.
by Alex Frakt
Fri Nov 13, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 13721

Re: Worst night of my life

Admin note. Take this at face value. I have reviewed the OP's posting history on other forums, there is nothing to suggest this is a troll.
by Alex Frakt
Fri Nov 13, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: File and Suspend is ending May 1, 2016
Replies: 7
Views: 1407

Re: File and Suspend is ending May 1, 2016

Locked. If you have questions on how the program changes affect you, please review/post on the existing thread at viewtopic.php?f=2&t=176706
by Alex Frakt
Fri Nov 13, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Age 53 / Pay Off Student Loans with Inheritance?
Replies: 50
Views: 7199

Re: Age 53 / Pay Off Student Loans with Inheritance?

I've had to remove several posts from this thread, some continuity has been lost. Personal attacks, which includes calling someone a troll, are not acceptable here, as are: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does n...
by Alex Frakt
Fri Nov 13, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Gene Amdahl: 1922-2015
Replies: 11
Views: 1380

Re: Gene Amdahl: 1922-2015

Locked. Nothing against Mr. Amdahl, but this isn't a personal consumer topic.
by Alex Frakt
Mon Nov 09, 2015 8:44 pm
Forum: Personal Consumer Issues
Topic: looking for best online [medical information] beside webMD
Replies: 13
Views: 1552

Re: looking for best online [medical information] beside webMD

Take a look at the Medical Library Association's Top Health Websites For Health Consumers and Patients . Outstanding! Thanks! I used to have a list something like this, but haven't done much in depth for a while. I used to check for outdated info and check to see if the site had an agenda of its ow...
by Alex Frakt
Mon Nov 09, 2015 3:01 pm
Forum: Forum Issues and Administration
Topic: How long does it take a post to be approved?
Replies: 3
Views: 1270

Re: How long does it take a post to be approved?

It ranges from a few minutes to several hours. Everyone who works on this site volunteers their time. We have three people who can approve posts. Two of us work full time and the third is a very busy retiree, so there are times when none of us are available to check new posts. Note that only your fi...
by Alex Frakt
Mon Nov 09, 2015 4:02 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account (TREA)
Replies: 57
Views: 7535

Re: TIAA Real Estate Account (TREA)

"BTW, now that Sam Zell is starting to cash out of the apartment market, I'm going to start paying attention to it again." Well, maybe this entire thread suggests it's time to "start paying attention." I well recall the enthusiasm preceding the Account's previous erosion. Lev Li...
by Alex Frakt
Mon Nov 09, 2015 3:19 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account (TREA)
Replies: 57
Views: 7535

Re: TIAA Real Estate Account (TREA)

Wait, let me get this straight. YOU successfully timed real estate during it's singular decline in it's short history, and that's your evidence that it absolutely CAN be timed? Excuse me? It's actually fairly insulting to the collective investment philosophy employed here that your past posts are s...
by Alex Frakt
Sun Nov 08, 2015 12:30 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account (TREA)
Replies: 57
Views: 7535

Re: TIAA Real Estate Account (TREA)

Every time this comes up people point to the ability, or need, to time real estate. This is a total fallacy and misleading. The fact that the fund moves "slowly" doesn't imply direction is predictable. It was predictable in 2008. Will it be next time? Hard to say... So was yesterday's wea...
by Alex Frakt
Sat Nov 07, 2015 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account (TREA)
Replies: 57
Views: 7535

Re: TIAA Real Estate Account (TREA)

In a recent post on the Morningstar TIAA-CREF forum ... several members there indicated how much of their total portfolio was invested in TREA. The percentages ranged from a low of 10% to a high of 62%. (Two members indicated having TREA holdings greater than 62%, but they didn't cite an actual fig...
by Alex Frakt
Fri Nov 06, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: antiques [Swedish mid-century modern seating]
Replies: 17
Views: 1682

Re: antiques [Swedish mid-century modern seating]

I bought a pair of early '50s Danish chairs last year. In the process of researching them, I found that Scandinavian modern is pretty well documented. If you can figure out the designer and model, you can find representative prices on the web. If the dealer can't supply the info, google image search...
by Alex Frakt
Wed Nov 04, 2015 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Legal Fee Discount?
Replies: 6
Views: 703

Re: Legal Fee Discount?

I manage my wife's immigration law firm and nearly everything we do is flat rate, with a range of $350 for filing for renewal of a temporary employment card to maybe $3500 for a complex waiver. People occasionally ask for discounts, but we won't give them. And lawyers in our state can't do anything ...
by Alex Frakt
Mon Nov 02, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: White Noise/Sleep/Sound Therapy
Replies: 62
Views: 6596

Re: White Noise/Sleep/Sound Therapy

investingdad wrote:We made the mistake of using one for our daughter when she was a baby, at ten years old today she refuses to sleep without it. Didn't repeat that mistake with our son.

We used it with my son when he was a baby until around three. There was no trouble transitioning.
by Alex Frakt
Sat Oct 31, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 6021

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

Best decision - granite countertops - 11 years later and still love them. No maintenance (we left them unsealed) and no need to worry about scratching, staining or burning them. - drawers instead of doors on lower cabinets - keeping existing white appliances - at the time of our purchase stainless s...
by Alex Frakt
Sat Oct 31, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are Chip Cards really that safe?
Replies: 21
Views: 1585

Re: Are Chip Cards really that safe?

It is, still, a violation of contract, which makes it, still, an invalid form of payment. A violation of the contract between credit card holder and issuer, technical or otherwise, does not allow the issuer to avoid its responsibilities under Section 161 "Correction of billing errors" of ...
by Alex Frakt
Sat Oct 31, 2015 1:22 am
Forum: Forum Issues and Administration
Topic: Subject is filled in with my screen name
Replies: 13
Views: 1906

Re: Subject is filled in with my screen name

Your browser or an autofill add-on is doing that, not us. What browser are you using?
by Alex Frakt
Fri Oct 30, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 57763

Re: Changes to Social Security

I had to remove some comments. We need to keep this to existing law, including the changes introduced in this bill (which will become law as early as Monday according to a White House spokesman: m ). Speculation on future changes are once again off topic as are opinions on the desirability of the b...
by Alex Frakt
Fri Oct 30, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 57763

Re: Changes to Social Security

Thanks. Everyone, please post your questions about the changes to this thread. I will be locking the existing thread shortly.
by Alex Frakt
Fri Oct 30, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 13684

Re: Changes to SS regulations in new funding bill...

Now that we have a bill headed for signature it's time to shut down this thread. I've asked ObliviousInvestor to post a summary of the changes as a new thread so readers don't have to wade through a confusing mix of speculation and reality to get information on their situation. I'll leave this open...
by Alex Frakt
Fri Oct 30, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How much of your total income are you worth?
Replies: 51
Views: 8093

Re: How much of your total income are you worth?

I just did an interesting experiement. I added up the amount that my wife and I have made each year from birth until now, and got a total. Then I took our total net worth, and divided it by the total income that we've made. My number came out to 0.772. In other words, we are currently worth 77% of ...
by Alex Frakt
Fri Oct 30, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: Someone Is Spending Your Pension Money
Replies: 9
Views: 3013

Re: Someone Is Spending Your Pension Money

Locked. Public policy. Also not personal (not a requirement for investment theory posts, but this isn't one).
by Alex Frakt
Wed Oct 28, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidated 2016 Medicare Part B Increase thread
Replies: 111
Views: 5610

Re: Consolidated 2016 Medicare Part B Increase thread

LadyGeek wrote:To clarify things, a bill is the first step in the process of becoming law. For more information, see: The Legislative Process

I prefer the School House Rock version: https://www.youtube.com/watch?v=2nKyihoV9z8
by Alex Frakt
Wed Oct 28, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investing cash needed [US citizen living in Europe]
Replies: 5
Views: 990

Re: Advice on investing cash needed [US citizen living in Europe]

My main concern (and has been in the past few years) is whether now is the right time to buy. I personally believe equity markets are significantly overvalued due to the vast amounts of cheap/printed money and major correction is on its way (however, I had similar thoughts in the past years as well...
by Alex Frakt
Wed Oct 28, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 13684

Re: Changes to SS regulations in new funding bill...

OK, we'll keep this open for now. But under the same conditions as the consolidated medicare part b thread. All the rules except speculating on legislative action apply here: any partisan political posts, personal attacks or other violations will result in a warning and the removal of the post. Als...
by Alex Frakt
Wed Oct 28, 2015 2:00 am
Forum: Personal Consumer Issues
Topic: Car advice for tall person
Replies: 29
Views: 3239

Re: Car advice for tall person

This comes up fairly often. Some recent threads: https://www.bogleheads.org/forum/viewtopic.php?t=173114 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=163613 https://www.bogleheads.org/forum/viewtopic.php?t=138755 And here's a 2013 thread, since that's the model year you are mainly inter...
by Alex Frakt
Wed Oct 28, 2015 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 2016 Medicare Part B Increase thread
Replies: 111
Views: 5610

Re: Consolidated 2016 Medicare Part B Increase thread

Several threads on this topic have been merged here and the thread unlocked. Since nothing has been decided at this point, it's all technically off-topic. But it's obviously of great interest and it's going to save a lot of moderator effort if we keep one thread open. Still, all the rules except sp...
by Alex Frakt
Mon Oct 26, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Car stolen and car seats set on fire
Replies: 49
Views: 9605

Re: Car stolen and car seats set on fire

From a similar (but not identical) situation that happened to a business acquaintance - this "pattern" of a car being stolen or "carjacked" and torched soon after (usually burned to a crisp and completely totaled) jumps out to the police AND the insurance company as "suspic...
by Alex Frakt
Mon Oct 26, 2015 1:28 am
Forum: Investing - Help with Personal Investments
Topic: What is the average annual raise at your place of employment?
Replies: 6
Views: 1225

Re: What is the average annual raise at your place of employment?

Locked. The thread as outlined in the original post is neither personal nor actionable. Both of which are requirements for topics in this subforum. Nasman. If you have a specific question about your raises, you may ask that in a new thread. Make sure you include your location and industry if you wa...
by Alex Frakt
Sun Oct 25, 2015 1:11 am
Forum: Personal Consumer Issues
Topic: White Noise/Sleep/Sound Therapy
Replies: 62
Views: 6596

Re: White Noise/Sleep/Sound Therapy

Another happy Marpac user - http://amazon.com/Marpac-DOHM . It also helped my son sleep so well when he was an infant/toddler that we packed it on vacations. When I don't have access to the Marpac, I tried a bunch of the apps and settled on White Noise Light, the Extreme Rain setting (it's not extre...
by Alex Frakt
Sat Oct 17, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 8478

Re: Bicycle commuting

Upright, slow bicycles are a lot safer than the racing types. Unlikely to be true. By most accounts pedestrian fatalities per mile are either much greater or comparable to cycling fatalities per mile. A cyclist at walking pace is less nimble than a pedestrian, so is unlikely to be safer. A second l...
by Alex Frakt
Thu Oct 15, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: [article on effect of missing 5 best or worst days of the year]
Replies: 30
Views: 3008

Re: [article on effect of missing 5 best or worst days of the year]

Title changed from "Would you risk an 88% loss for a 2,438% gain?". Titles here must be meaningful. We don't do clickbait.
by Alex Frakt
Thu Oct 15, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anticipated raises with megacorps this year?
Replies: 8
Views: 1455

Re: Anticipated raises with megacorps this year?

Locked, non-personal and non-actionable. General comment threads are off-topic in this subforum. See viewtopic.php?f=3&t=112988 for more details about this rule.
by Alex Frakt
Thu Oct 15, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 8478

Re: Bicycle commuting

Re- equipment cost. I bought a very good quality new (but previous year's discontinued model) Klein Pulse Comp no-suspension mountain bike 18 years ago for $600. I've spent about $100 since then on consumables: tires, chain and new brake pads. I've also spent around $250 on upgrades*. None of which ...
by Alex Frakt
Thu Oct 15, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 140221

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

I changed the thread title from "Vanguard sued for charging too little" in an attempt to more accurately describe what is going on here. I'm open to suggestions for something shorter that's not misleading.
by Alex Frakt
Thu Oct 15, 2015 12:09 am
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 8478

Re: Bicycle commuting

I live 2 miles from my office in the Chicago loop. I'll either walk in with my wife and ride a bike share bike (Divvy bike in Chicago) home or ride my bike both ways. Last year my son went to a kindergarten 5 miles from home, but about 3 miles from work. Every day I drove him to school, parked the c...
by Alex Frakt
Sat Oct 10, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Too Many Treasuries In The Total Bond Market?
Replies: 48
Views: 4852

Re: Too Many Treasuries In The Total Bond Market?

Quite frankly, I find Jack's argument that there are too many treasuries in Total Bond to be inconsistent with his own stated philosophy. If you believe in owning the market then you should own the market. If you start making arguments that the market is "wrong", you are now making bets -...