Search found 6130 matches

by Alex Frakt
Sat Oct 10, 2015 2:53 am
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 6926

Re: SUV recommendation

It really comes down to combination of comfort, convenience, build quality inside and outside, and reliability. You should at least take a test drive of a Chevy Suburban/GMC Yukon XL. By all accounts, the interior is really impressive and comfort and convenience (assuming it fits in your garage) ar...
by Alex Frakt
Sat Oct 10, 2015 12:43 am
Forum: Personal Finance (Not Investing)
Topic: What's the best way to own a car?? My attempt
Replies: 19
Views: 2349

Re: What's the best way to own a car?? My attempt

Not all factors can be expressed in a spreadsheet. Right now we are on the cusp of the most significant changes in personal transportation since more or less universal car ownership transformed the US in the post-war era (do we have specify that as post-WWII era now?). You have a 12-year-old car. Tw...
by Alex Frakt
Fri Oct 09, 2015 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: [Widow needs help - down to] annuity [and SS]
Replies: 4
Views: 806

Re: [needs help - down to] annuity [and SS]

I don't think a home equity line of credit is a good idea for you, unless you know your income will go up enough at some point in the future that you will be able to pay it off. Will your SS benefits rise appreciably at your full retirement age? The OP also sent me the following by PM. I'm going to ...
by Alex Frakt
Fri Oct 09, 2015 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Too Many Treasuries In The Total Bond Market?
Replies: 48
Views: 4847

Re: Too Many Treasuries In The Total Bond Market?

Jack suggested 1/3 treasuries and 2/3 corporates (which pretty much works out to 50% TBM/50% Intermediate Corps) in a New York Times article from April 2013: Many bond funds mirror the Barclays U.S. Aggregate Bond index.... Around 75 percent of the index tracks government securities or other types o...
by Alex Frakt
Fri Oct 09, 2015 6:45 pm
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 143
Views: 19170

Re: We need a new forum just for retirement issues

Nothing has changed since I posted this above. Retirement issues are inextricably intertwined with investing and personal finance issues. There is no reasonable way to separate them. If your particular issue is mostly relevant to retirees, the thread title is the best to communicate this. I've been ...
by Alex Frakt
Fri Oct 09, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Trouble with family thinking we have more money than we do
Replies: 87
Views: 10484

Re: Trouble with family thinking we have more money than we do

Locked. This has strayed pretty far from the OP's question to off-topic general commentary.
by Alex Frakt
Thu Oct 08, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: People weren't supposed to be saving this much money — and now it's a problem
Replies: 35
Views: 8398

Re: Yahoo: People weren't supposed to be saving this much money — and now it's a problem

I'm having difficulty seeing an actionable investing component in this thread. If one doesn't surface soon, it will be locked.
by Alex Frakt
Tue Sep 15, 2015 11:31 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 8845

Re: Family Car Recommendations

Let me jump on the AWD bandwagon here. I understand that AWD is for acceleration control, which I interpret to mean a change in velocity of any tire relative to another tire, or tire velocity relative to the road. This is very different than acceleration you get when driving in a straight line, e.g...
by Alex Frakt
Tue Sep 15, 2015 10:01 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 8845

Re: Family Car Recommendations

I am a big believer in AWD. Contrary to what you say, it makes a huge difference. When my husband drives one of our AWD Audis, he says it is like "magic" on snow (drives a sportscar the rest of the time and is embarrassed in the Audis otherwise.) Apples and oranges. Sports cars are typica...
by Alex Frakt
Tue Sep 15, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: Do you pay for the Nytimes
Replies: 13
Views: 1277

Re: Do you pay for the Nytimes

Locked. General comment thread. The OP has not stated a personal and actionable question. An example of a question that would be acceptable is, "I am interested in reading the NY Times. Is there a way to access it without paying the full subscription rates?" See https://www.bogleheads.org...
by Alex Frakt
Tue Sep 15, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: DNS Problem [can only access bogleheads]
Replies: 8
Views: 799

Re: DNS Problem

The only site I can access is Bogleheads.org. CNN.com, yahoo.com, google/mail all return "can't find the server at ..." or a DNS error. Firefox, IE, and Chrome all behave the same. Have you installed any firewall or web privacy software recently? The only technical thing that differentiat...
by Alex Frakt
Tue Sep 15, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Wife and I don't know what to do with our money!!
Replies: 64
Views: 9368

Re: Help! Wife and I don't know what to do with our money!!

Temporarily locked for moderator review. We will reopen later today.
by Alex Frakt
Mon Sep 14, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 8845

Re: Family Car Recommendations

The setup is that the company is allowing me to work from my home office half the time and the other half of the time I need to be working out of their office in another city. In that city public transportation is not really an option to get to/from work. OK then. If you were happy with a '90s Taur...
by Alex Frakt
Mon Sep 14, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: PSA - Charge your AMEX [Gift/Stored Value] Card ASAP
Replies: 2
Views: 884

Re: PSA - Charge your AMEX Rewards Card ASAP

fidobogo wrote:Your state of residence might offer additional protections regarding these cards. If you can't find out through web search, you can ask your state attorney general's office.

Here's a summary of gift card expiration and dormancy fee requirements for all the states: http://www.ncsl.org/research/financial- ... legis.aspx
by Alex Frakt
Mon Sep 14, 2015 2:50 pm
Forum: Investing - Theory, News & General
Topic: Fed action/inaction
Replies: 33
Views: 3531

Re: Fed action/inaction

nirm wrote:The expected outcome is always priced in. The actual outcome, however, may move the market.

I think I found my new sig :-)
by Alex Frakt
Mon Sep 14, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 8845

Re: Family Car Recommendations

After my wife and I not having owned a car in a decade, I now find myself in a job where purchasing one is essential. While I expect minimal usage outside of the occasional 2-3 hour family trip (I have two daughters ages 3 and 5) once every month or two, I expect to make on 2-3 occasions each month...
by Alex Frakt
Mon Sep 14, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: [returning court mandated] child support payments to the [non-custodial] mother?
Replies: 14
Views: 1764

Re: [returning court mandated] child support payments to the [non-custodial] mother?

Thank you all for your responses. Just to clarify the amount of child support was calculated based on the worksheet provided by the court. They looked at our income and expenses. I'm paying about $1500 a month for house and utilities plus another $900 for daycare. She was and still living rent free...
by Alex Frakt
Mon Sep 14, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Bike Repair Forum
Replies: 13
Views: 1682

Re: Bike Repair Forum

I need some basic advice on changing out a rear derailleur Thanks. Start with m to figure out which derailleurs are compatible with your other components, Unless you are also thinking about upgrading chains (a good idea anyway if you have some miles on your current chain), cogs/cassette, and perhap...
by Alex Frakt
Mon Sep 14, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: [returning court mandated] child support payments to the [non-custodial] mother?
Replies: 14
Views: 1764

Re: Sending child support payments to the mother?

Ditto, and I am confused how or who could have ordered her to be paying OP. Sounds like the case of robbing Peter to pay Paul (or is it the other way around?). This is controlled by the laws of each state. They often have a formula for determining child support which the judge has limited leeway to...
by Alex Frakt
Mon Sep 14, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: [returning court mandated] child support payments to the [non-custodial] mother?
Replies: 14
Views: 1764

Re: Sending child support payments to the mother?

What I would suggest considering, since you have custody of your son, and your financial situation seems much better than hers, is to consult an attorney (experienced in child support matters) about "waiving" (all or part of) the court-ordered child support. In other words, she stops payi...
by Alex Frakt
Sat Sep 12, 2015 1:43 am
Forum: Personal Finance (Not Investing)
Topic: [investing in a cash generating] Business
Replies: 7
Views: 1207

Re: [investing in a cash generating] Business

Why not buying and managing a rental property or two? It sounds like you already have the background to handle the financial end of it, so If you are willing to do the work, it seems like less of a gamble than most of your suggestions.
by Alex Frakt
Tue Sep 08, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: can you recommend a good waterproof men's winter boot
Replies: 37
Views: 3384

Re: can you recommend a good waterproof men's winter boot

Bogs. They are rubber coated neoprene. Absolutely waterproof and warm. They come in various lengths, he probably wants the Bogs Classic Mid - http://www.amazon.com/Bogs-Mens-Classic ... s=bogs+mid
by Alex Frakt
Thu Sep 03, 2015 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Crowdfunding, E-begging, 21st Century Ethics?
Replies: 8
Views: 1323

Re: Crowdfunding, E-begging, 21st Century Ethics?

It's going to stay locked. The original post isn't really posing an answerable question here, it's more of a rant-lite, (rant-ette?).
by Alex Frakt
Thu Sep 03, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 18022

Re: Best Small Purchases (Around the house)

Roku. Decent kids programming via Netflix and Amazon Prime (which we had anyway). Better yet, once we had it I was able to convince my wife to let me cancel Showtime and HBO, so it has paid for itself several times over. Wall-mount magnetic knife rack, mine's from Ikea. And a couple of decent knives...
by Alex Frakt
Sat Aug 29, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 8283

Re: Can the market go up forever?

I have no idea what "stuff" is, so I can't even figure out what this thread is about. I need a more technical term to go on than "stuff" even to determine whether there is a finite amount of it. There is a a finite amount of everything, except possibly time. Ultimately stuff is ...
by Alex Frakt
Fri Aug 28, 2015 5:05 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 8283

Re: Can the market go up forever?

Alright so following your analogy what would happen is that as more goods are produced but there are the same number of dollars in the economy either prices will have to come down and profits would go down to or the company would have to produce less. Why would there be the same number of dollars? ...
by Alex Frakt
Fri Aug 28, 2015 1:44 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 8283

Re: Can the market go up forever?

Why are we asking this question? Why does this matter? Even if growth dropped to zero – either in total or per capita. The world reaches a steady state of capital outlay, production, and consumption. So, no asset growth so no returns there. But there should still be earnings – and steady flow of di...
by Alex Frakt
Fri Aug 28, 2015 1:32 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 8283

Re: Can the market go up forever?

I'm looking at it like this. Lets say there are only 2 people in the world and they each have $10. They create a stock market and they could bid up the prices between each other. There is a limit to how high prices can go. You are missing that stocks aren't like baseball cards. Instead they represe...
by Alex Frakt
Fri Aug 28, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 8283

Re: Can the market go up forever?

Well, not forever. Eventually our sun will die and take out the Earth and at some point all suns will die or everything will collapse into a giant singularity. But I suspect you are inquiring about timeframes of less than a billion years. The answer then is "Yes". As long as the publicly t...
by Alex Frakt
Thu Aug 27, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment help [providing for spouse without pension]
Replies: 5
Views: 832

Re: Investment help [providing for spouse without pension]

If your expenses other than food are $500 per month and her income will be at least $1200 a month with a mid 6-figure backstop, you don't actually have a problem. Congratulations :-)
by Alex Frakt
Thu Aug 27, 2015 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Investment help [providing for spouse without pension]
Replies: 5
Views: 832

Re: Investment help [providing for spouse without pension]

Given the time frame of a minimum of 8 years and the need for at least some growth, I suggest the old standby of a 60/40 stocks/bonds allocation. Vanguard Lifestrategy Moderate Growth is a good fit as is Wellington since you seem to be comfortable with Vanguard's actively managed funds. I might even...
by Alex Frakt
Wed Aug 26, 2015 12:18 am
Forum: Investing - Theory, News & General
Topic: How to Be a Better Investor Than Donald Trump
Replies: 3
Views: 1041

Re: How to Be a Better Investor Than Donald Trump

Very faulty premise. How much money did he start with? We would need to know that number. Fortune ignores this. From the article: Trump’s net worth has grown about 300% to an estimated $4 billion since 1987, according to a report by the Associated Press. Anyway, a reminder on our forum policy: Non-...
by Alex Frakt
Tue Aug 25, 2015 3:23 pm
Forum: Investing - Theory, News & General
Topic: Can anyone help me understand China
Replies: 31
Views: 4854

Re: Can anyone help me understand China

Multiple posts, including several including offensive stereotypes, were removed. The thread is going to stay locked.
by Alex Frakt
Sat Aug 22, 2015 9:16 am
Forum: Investing - Help with Personal Investments
Topic: [Widow needs help - down to] annuity [and SS]
Replies: 4
Views: 806

Re: [needs help - down to] annuity [and SS]

The money that you spent is gone. Unless you can show that your bank had you invested in clearly inappropriate holdings that performed poorly. I'm only guessing at this based on the original title of your thread "Bank eating my annuity." But depending on your age when you started receiving...
by Alex Frakt
Wed Aug 19, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 10580

Re: Bank closed all my accounts without explaination

at least they can try and investigate and contact me But they did. I recall they called me few weeks ago and lady asked if i can share some info. I said dependd what ur asking. She asked what i did for a living and i told her thats my business. I consider that my pvt info and dont want disclose it ...
by Alex Frakt
Wed Aug 19, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: What happens to a euro denominated ETF if the euro ceases to exist
Replies: 14
Views: 1316

Re: What happens to a euro denominated ETF if the euro ceases to exist

Currencies might enter and exit the Euro, but it is unlikely to cease existence. If it does, you'll have plenty of warning, and some currency (Mark?) is likely to become the NewEuro. Any advice on how to deal with such a situation? Sure. Don't worry about it. The denomination of the ETF has no effe...
by Alex Frakt
Wed Aug 19, 2015 12:57 am
Forum: Investing - Help with Personal Investments
Topic: What happens to a euro denominated ETF if the euro ceases to exist
Replies: 14
Views: 1316

Re: What happens to a euro denominated ETF if the euro ceases to exist

Currencies might enter and exit the Euro, but it is unlikely to cease existence. If it does, you'll have plenty of warning, and some currency (Mark?) is likely to become the NewEuro. Any advice on how to deal with such a situation? Sure. Don't worry about it. The denomination of the ETF has no effe...
by Alex Frakt
Tue Aug 18, 2015 11:38 pm
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Tall?
Replies: 50
Views: 6579

Re: Vehicle suggestions for Tall?

This question comes up regularly on the forum. Here's a good thread from 2013, so the cars recommended will be closer in model year to what you are looking at: http://www.bogleheads.org/forum/viewtop ... 1&t=121029

Anyway, an Accord or Camry (whichever fits better) make the most sense, but we know you really need a 2012+ Wrangler Unlimited :-)
by Alex Frakt
Tue Aug 18, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: Do you believe in the Shamita?
Replies: 20
Views: 1770

Re: Do you believe in the Shamita?

Thread replaced (it was temporarily removed for Moderator review), but locked. It's an investing question so we are leaving it, but an unusually silly one with no particular basis in reality so we are locking it.
by Alex Frakt
Mon Aug 17, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: How to assess value of jewelry
Replies: 5
Views: 674

Re: How to assess value of jewelry

What you want is called an "insurance appraisal". That is the retail cost to replace your collection. Is there an auction house in your area? They all have appraisal services (or can refer you to one). Also some of the houses now do free online appraisals, you have to upload photos and a d...
by Alex Frakt
Mon Aug 17, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Do you believe in the Shamita?
Replies: 20
Views: 1770

Re: Do you believe in the Shamita?

What does an ancient (and normally ignored/worked around) Jewish law regarding debt forgiveness and a farming break have to do with financial markets?

http://www.chabad.org/library/article_c ... mittah.htm

If there is no direct answer, I will lock the thread.
by Alex Frakt
Sun Aug 16, 2015 2:15 am
Forum: Investing - Help with Personal Investments
Topic: Animal cruelty free mutual Funds
Replies: 37
Views: 3874

Re: Animal cruelty free mutual Funds

Since people are apparently unable to inject their own issues into what is a reasonably straightforward question, I am going to lock the thread. Namocet, if you have any followup questions, you may start a new thread. If anyone has something on topic and helpful that has not already been said, plea...
by Alex Frakt
Sat Aug 15, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Traveling to Poland (Gift ideas)
Replies: 12
Views: 2660

Re: Traveling to Poland (Gift ideas)

Sounds good. Have a great trip.
by Alex Frakt
Fri Aug 14, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Traveling to Poland (Gift ideas)
Replies: 12
Views: 2660

Re: Traveling to Poland (Gift ideas)

My wife just got in. I'll follow up with her observations. She suggests: - Barbecue sauce. - Nescafe (instant coffee), especially Hazelnut flavor if there is a lady in the house - Zippo lighters for smokers - big bag or container of exotic M&Ms (they can get regular and peanut) Take a trip to M...
by Alex Frakt
Fri Aug 14, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Traveling to Poland (Gift ideas)
Replies: 12
Views: 2660

Re: Traveling to Poland (Gift ideas)

My wife is Polish and I've been over many times. Flowers are almost a necessity. Flower shops/stands are everywhere, pick something up on the way to visit each new house. For larger gifts, alcohol is always appreciated. American bourbons are expensive there as is tequila which is considered exotic. ...
by Alex Frakt
Fri Aug 14, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 99
Views: 15189

Re: Carry on luggage

Fly Southwest and check it :-)
by Alex Frakt
Thu Aug 13, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Should I buy a car?, baby on the way.
Replies: 28
Views: 2817

Re: Should I buy a car?, baby on the way.

nanoanalyzer wrote:Let's see, 9 months old... times 30 days... been averaging around 5 miles per day with him... Yeah, I think we're over 1,000 miles in the carrier already, or will be soon.

Ahh. Wait until you have a 25 pound toddler :-)
by Alex Frakt
Wed Aug 12, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Should I buy a car?, baby on the way.
Replies: 28
Views: 2817

Re: Should I buy a car?, baby on the way.

Check here m for a local chapter, join up, and go try out a few carriers/wraps before you buy one. I ended up with a Lillebaby because of the fit (both me and baby), but also the adaptability. ERGO wouldn't be nearly tall enough for us to back carry. Mrs. nanoanlyzer was all about woven wraps for t...
by Alex Frakt
Wed Aug 12, 2015 10:27 am
Forum: Investing - Help with Personal Investments
Topic: having a hard time figuring [investing] out
Replies: 4
Views: 724

Re: having a hard time figuring this out

I noticed when approving your (first) post that you are posting from Canada. While the basics of investing are the same wherever you are, the specifics - especially of retirement accounts - differ from country to country. Will you be investing in the US or Canada? If it's Canada, you may also wish t...