Search found 891 matches

by pondering
Mon Oct 23, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5024

Re: what is your weekly workout routine?

Right now I run 2 5Ks on the treadmill each week. I run at about a 29 minute pace.

I try to get 10,000 steps in at least 6 days a week.
by pondering
Sat Oct 21, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6347

Re: Letter from CC company (Discover) re: current income

Except that I don't use a dry cleaner.
by pondering
Sat Oct 21, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6347

Re: Letter from CC company (Discover) re: current income

I’m not sure why making it easy to contact me means I’m not concerned with what data companies have a right to collect.
by pondering
Sat Oct 21, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6347

Re: Letter from CC company (Discover) re: current income

My wife's is a school teacher so her income is a matter of public record (yes, I have looked it up online to verify that) Can anyone tell me once I am their customer what are their rights to looking up information about me? I would assume they have made me agree to a broad spectrum of information ga...
by pondering
Sat Oct 21, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6347

Re: Letter from CC company (Discover) re: current income

At least one solicitation actually pointed out that this was to see if I qualified for a credit line increase.

My question is if it is considered an application for credit at that point.

Don't they already have access to my income?
by pondering
Fri Oct 13, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 3500

Re: Why would anyone buy long term bonds?

Why do you think you couldn’t sell the bond before maturity?
by pondering
Thu Oct 12, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5397

Re: WiFi [extender]

by pondering
Thu Oct 12, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5397

Re: WiFi [extender]

Right now the ISP’s router is in my office, and we get lousy signal in our bedroom, and the living room below it.

We get ok coverage in the kitchen below the office.

Very little coverage on the back deck or in the basement.

I’ll keep my eye open for this, thank you.
by pondering
Thu Oct 12, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5397

Re: WiFi [extender]

Does anyone know the price curve of google wifi and the other home mesh networks?

Would a sub $100 per device solution be expected in 1, 2 or 5 years?
by pondering
Wed Oct 11, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5397

Re: WiFi

I've bought 4 of these. They don't seem to come with the software to make them easy to monitor or work well. A couple of typical problems: If you give the extender a different network name than your regular network, i.e. WIFI1234 and WIFI1234_EXT then you are stuck on that network as you move around...
by pondering
Thu Oct 05, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 59947

Re: Retirement Account Stolen by Identity theft

Monitoring communication is tricky, especially after the fact.

In my mom’s case her accountant tried to reach her more than a dozen times.
by pondering
Thu Oct 05, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 59947

Re: Retirement Account Stolen by Identity theft

Was there an email address associated with the account to change?
by pondering
Wed Oct 04, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 59947

Re: Identity theft

It isn't likely that this crime what perpetrated by just one person.

I would contact the state attorney general and the federal regulator for the account as well. If only to make sure the bank has done so.
by pondering
Wed Oct 04, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 10694

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I haven't read the article or some of the posts, but I do want to state my experience which was that my family could not get a mentally ill relative declared incompetent. We got the state involved, doctors, attorneys, but it was to no avail. This was for someone who refused medical treatment for a ...
by pondering
Tue Oct 03, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 10694

Re: Senior citizens can lose everything [to professional guardians via court rulings]

The only court fight I had with my estranged brother was from a letter he sent the executor of the estates attorney to challenge how to handle the remains. He withdrew his objection on the last day of the filing period. Previous to that he tried to act as our Mother's guardian from 5000 miles away. ...
by pondering
Tue Oct 03, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 59947

Re: Identity theft

Check your statements. Make sure that you follow notification process if there’s a problem with your statement.

Make sure that once a month you check that you got all your statements.
by pondering
Tue Oct 03, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: How long to monitor old accounts?
Replies: 6
Views: 876

Re: How long to monitor old accounts?

Make a note on your calendar to get a year end summary for taxes.
by pondering
Sun Oct 01, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

How does this sound? I asked some people online what they did to compare investment alternatives. They suggested running 2 choices through the calculator on this page: https://personal.vanguard.com/us/FundsCostCompare . Could you run your suggestion against our current investment and send me the res...
by pondering
Sun Oct 01, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

Partially because past performance and future performance don't correlate very well. I really would like to nail down the question to ask. Maybe something like: If I invested a dollar in each fund today and the both had a 5% rate of return for 5 years how much would I be able to cash out in 5 years?
by pondering
Sun Oct 01, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

I'm sorry, isn't that a cost for the fund?

How do you ask for a growth of a dollar at a known rate of return?
by pondering
Sun Oct 01, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3317

Re: Reach out to hiring manager directly on LinkedIn?

What are you going to reach out to them about?

I'd start with something non material first and see if you get any response.
by pondering
Sun Oct 01, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

What is there a different question I should have ask the adviser other than the cost between the two funds in order to figure out if there was a front load or other costs?

I guess I’m looking for the equivalent of the out the door price at a car dealership.
by pondering
Thu Sep 28, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

I worked for a firm that managed 6 billion dollars of assets exposing it to the risk of the S&P 500. Mostly they bought the futures and traded the bonds.

It seems the posters either don't have enough information to tell if the advice is good or self serving.
by pondering
Thu Sep 28, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

So is the real problem here the fact that the fund charges 49 basis points to get exposure to the S&P 500?
by pondering
Wed Sep 27, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford to slow down at 34yo? Feeling burn out.
Replies: 17
Views: 3821

Re: Can I afford to slow down at 34yo? Feeling burn out.

Growth typically means building trust. If you have spare time you need to do that for the 20% of clients who typically pay your bills.

How do the other consultants in your area structure their businesses?
by pondering
Wed Sep 27, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

Is there a good question to ask to highlight the difference in costs?

Maybe if I had 1000 dollars invested in this 10 years ago what would I have today?
by pondering
Wed Sep 27, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

Re: 403(B) advisor advice to wife

What other expense questions are relevant?
by pondering
Wed Sep 27, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 3126

403(B) advisor advice to wife

My wife got the following advice from her 403B advisor: I was thinking of adding another growth fund to the portfolio. Currently all equity exposure is coming from the S&P 500 index fund (65% or portfolio). That is fine but I thought we might add an actively managed fund to the mix. I would recommen...
by pondering
Tue Sep 26, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford to slow down at 34yo? Feeling burn out.
Replies: 17
Views: 3821

Re: Can I afford to slow down at 34yo? Feeling burn out.

Does the 80/20 rule apply to your business?

Can you trade money for time?
by pondering
Mon Sep 25, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 217484

Re: TV show recommendations?

The second season of This Is Us starts tomorrow
by pondering
Mon Sep 25, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6992

Re: Spouse Money Management

Has the OP shown either thread to his gf?
by pondering
Mon Sep 25, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6992

Re: Spouse Money Management

You aren't sending money, you are gifting it.

I'd show her this thread and see if the relationship survives.
by pondering
Mon Sep 25, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9731

Re: Where do you get your news?

Great topic.

I'll investigate merging this list with one I have compiled from elsewhere:

https://sterbalssundrystudies.miraheze. ... nded_media
by pondering
Fri Sep 22, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2901

Re: Set up a "reverse auction" to get a deal on buying a car

Does anyone know where the volume of email data comes from? I would think that an auto responder would handle 90% of them Something like thanks for contacting us via email just make sure you’re interested please send a quick message back and I’ll get right to it we been getting hundreds of emails a ...
by pondering
Thu Sep 21, 2017 7:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 10706

Re: Bogleheads you would most like to meet and why?

It would be nice to have either a one day pass or a venue that would accommodate more people.
by pondering
Thu Sep 21, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14068

Re: Account security - Hackers gain access to mobile and then break havoc

Being hacked is a risk, and you need to have a sense of risk.

I don't see any measurement of risk in this discussion. Is there someone who actually publishes fraud data updated periodically?
by pondering
Thu Sep 21, 2017 6:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 10706

Re: Bogleheads you would most like to meet and why?

Here is the list so far: 2015 AlohaJoe avalpert BSteiner celia John Bogle KlangFool lack_ey Ladygeek Larry Swedroe Lev LH2004 (died) Livesoft meg77 Mel Lindauer mingstar mlebuf Mudpuppy Munchkin Man nedsaid Nisiprius Old Meph (died) Petrocelli retiredjg Robert T sscritic SheepDog Stemikger Taylor La...
by pondering
Thu Sep 21, 2017 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6673

Re: Daughter with Autism and Spouse Almost 13 Years Younger

My son's Mom and I divorced over a decade ago. I live in PA where a lot of services are covered by a loophole to medicaid. Feel free to message or call me if you want to know what I think about the provider who put parents in 6 figure debt for the treatment that you got. I think you can guess. You m...
by pondering
Wed Sep 20, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 5457

Re: Where to buy new iPhone

My wife needs an upgrade from 16 GB model, I can probably muddle for another year with mine.
by pondering
Wed Sep 20, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 5457

Re: Where to buy new iPhone

What iPhone would you buy now to replace an iPhone 5S?
by pondering
Wed Sep 20, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 11
Views: 678

Re: Excel (Office 2010) charts problem (charts disappear)??

At least an hour of the time I was pinging between different Stack Exchange posts.

Stack Exchange makes the meanest Boglehead seem like a kitten.
by pondering
Wed Sep 20, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6673

Re: Daughter with Autism and Spouse Almost 13 Years Younger

Keep your costs low If you don’t enjoy all the time you’re spending looking into investments get an hourly financial planner who likes low-cost investing. As someone who has spent a large inheritance over short amount of time And seen my brother spend it even faster I am proud of how my son with a d...
by pondering
Wed Sep 20, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 7195

Re: Wiki article - Credit freeze

Thanks for all the great work getting this page up and running
by pondering
Wed Sep 20, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 11
Views: 678

Re: Excel (Office 2010) charts problem (charts disappear)??

And then I try google to find the solution to something like “follow a hyperlink with the keyboard” and spend hours without an answer
by pondering
Wed Sep 20, 2017 10:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 10706

Re: Bogleheads you would most like to meet and why?

This is one of those topics a like button would be helpful for.
by pondering
Sun Sep 17, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 108
Views: 10088

Re: Bogleheads T-Shirt Possible Design(s)

I'm thinking we could use a service like printful, and design a shirt with the logos of the entire SP 500 as the background.
by pondering
Sat Sep 16, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14068

Re: Account security - Hackers gain access to mobile and then break havoc

For consumers the most practical strategy is to make sure that you review your accounts every month shortly after the statement has been sent or posted.
by pondering
Sat Sep 16, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5964

Re: Why are so many Chinese visiting my website?

Weigh the value of what you post there if it were to be hacked.

There's quite a bit that you can post that is essentially hack proof.

What are you posting that you would be worried about if it got hacked?