Search found 851 matches

by pondering
Wed Apr 05, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2662

Re: Boglehead and iphone

The big deal is that the site has decided to not fix the issue despite the fact that it comes up regularly.
by pondering
Wed Apr 05, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 4229

Re: How best to handle disrespectful employee?

I'm with everyone who thinks you need to put your money where your goals are. Redesign the compensation formula. To make change, let your new sales guy make the initial draft of the new formula. Then discuss the changes with him that are needed to sustain the business (if any) Please have him file w...
by pondering
Wed Apr 05, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Anyone here have a Galaxy S7 yet?
Replies: 8
Views: 1040

Re: Anyone here have a Galaxy S7 yet?

I got that totally backwards. Sorry.
by pondering
Wed Apr 05, 2017 7:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33923

Re: Your USER NAME...what does it mean?

Pondering describes my deep interest in many subjects financial and nonfinancial

--Robert Sterbal
412-977-3526 call/text
by pondering
Wed Apr 05, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Issue: What kind of lawyer (or do I not need one yet)?
Replies: 46
Views: 4833

Re: Legal Issue: What kind of lawyer (or do I not need one yet)?

Use your existing Facebook or LinkedIn network's for references to attorneys that people have actually used. if an attorney comes recommended but doesn't cover the type of litigation you are involved in ask them for a referral.
by pondering
Wed Apr 05, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Anyone here have a Galaxy S7 yet?
Replies: 8
Views: 1040

Re: Anyone here have a Galaxy S7 yet?

How did the galaxy 7 edge recall effect you?
by pondering
Mon Apr 03, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Wiki for Saving
Replies: 11
Views: 1477

Re: Wiki for Saving

Here are the top ten links to items about being frugal on the bogleheads: That Frugal Thing You Do - Bogleheads.org https://www.bogleheads.org/forum/viewtopic.php?t=36680 Was frugality a mistake? The downsides of saving too much. https://www.bogleheads.org/forum/viewtopic.php?t=135253 recommendation...
by pondering
Mon Apr 03, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Wiki for Saving
Replies: 11
Views: 1477

Re: Wiki for Saving

Thanks for your resources. They will make great pages on the wiki.
by pondering
Mon Apr 03, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Wiki for Saving
Replies: 11
Views: 1477

Re: Wiki for Saving

How does the Bogelheads wiki differ from this forum?
by pondering
Mon Apr 03, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Wiki for Saving
Replies: 11
Views: 1477

Re: Wiki for Saving

Please note that I am looking for a wiki.

I had hoped the Bogleheads wiki covered the topic in some detail, but it seems to be outside of the scope.
by pondering
Sun Apr 02, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Wiki for Saving
Replies: 11
Views: 1477

Wiki for Saving

I'm looking for a recommendation for an active wiki that is focused on helping families save.

Thanks!
by pondering
Wed Mar 29, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: My Wife's Birthday Present
Replies: 1
Views: 666

My Wife's Birthday Present

My wife really wants to see Hamilton when it goes on tour for the 2018-2019 season. In order to be guaranteed seats for Hamilton, the Pittsburgh Cultural Trust is offering a promotion where you buy tickets to 7 shows and are guaranteed first choice to Hamilton tickets. https://trustarts.org/pct_home...
by pondering
Wed Mar 29, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2662

Re: Boglehead and iphone

The admins of this group favor desktop usage of the service. They don't invest as much time and attention that other services do in mobile. Message me if you want to know why I think that is. My workaround for your problem is to use lastpass on my phone, which remembers my login to the site. It is o...
by pondering
Wed Mar 29, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

This is beginning to sound like a conversation I want to have by phone.

I did. He knows that I'm interested in savings, and he will make an appointment if he ever wants to return.
by pondering
Wed Mar 29, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I need a savings advisor, not just for me, but for my family.

I'm not sure what the best way would be to compensate them.
by pondering
Wed Mar 29, 2017 5:25 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

The single biggest problem I have with investing is saving.

I'll look just about anywhere for advice about that, including someone who knocks on my door.
by pondering
Tue Mar 28, 2017 5:13 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I want to thank in_reality for an excellent email. At this point of my life I like to engage financial people to see if they have any insight on spending, not savings. Listening to a sales pitch allows me to find out from the people who manage the money of people who can save what their perspective ...
by pondering
Mon Mar 27, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I'm a verbal learner. I can understand people on the phone far better than I can online or face to face.
by pondering
Mon Mar 27, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I'm thankful someone tries to talk to my family about finances. I doubt I can afford the Edward Jones advice.
by pondering
Mon Mar 27, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I actually was looking for an improved version of this: Corey, Thanks for stopping by. My wife is extremely busy when she gets home taking care of dinner and our child. Please call or text me at 412-977-3526 if you wish to make an appointment. From what I've read on the boglehead forums: https://www...
by pondering
Mon Mar 27, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 13763

An Edward Jones Financial Advisor stopped by my house and spoke with my wife

An Edward Jones Financial Advisor stopped by my house and spoke with my wife.

Can you help me write an email to him?

Thanks!
by pondering
Sat Mar 25, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15797

Re: Virtual Private Networks (VPNs)

You wrote (triceratop » 2017-03-25-12-59-10): Is there anyone here that said they were interested in using a VPN to shield themselves from a 3-letter agency? The real reason for this thread is the conflict of interest that ISPs have regarding consumer privacy. Additionally, nobody is talking about s...
by pondering
Sat Mar 25, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15797

Re: Virtual Private Networks (VPNs)

Is there anyone here who thinks the 3 letter agencies can't monitor your traffic? People should focus on honeypotting and logging their networks in addition to trying to secure their boundaries. For things of a transactional nature adapt services that use multiple authentication methods. Don't leave...
by pondering
Fri Mar 24, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 123
Views: 15684

Re: Telephone Calls! Help! [Stopping telemarketing calls]

I called Verizon Wireless and they do not offer *57 service or an equivalent.

This seems like an ill suited position.

Are illegal cell phone calls protected by statute? Is there a practical way to get a trace done on them?
by pondering
Sat Mar 11, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 8176

Re: Anyone sorry they used bonds when starting out

It sounds where you hold them taxable or non taxable was the important question you need to ask.
by pondering
Mon Mar 06, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: How often do you discuss finances and spending with your spouse?
Replies: 60
Views: 4292

Re: How often do you discuss finances and spending with your spouse?

My guess my wife's reluctance comes from a feeling that her Dad was very controlling. She was also single until her mid 30s.

Our income is around 160K, the 15 year mortgage is 1840 a month. I've used HelloWallet to track spending since the beginning of the year.
by pondering
Sun Mar 05, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: How often do you discuss finances and spending with your spouse?
Replies: 60
Views: 4292

Re: How often do you discuss finances and spending with your spouse?

I'm really struggling to engage her about spending. The conversations are very very difficult. She makes more than I do, so is entitled to do some spending, and she has a pension from work that covers her retirement savings for the most part. I've resigned myself to a lower income lifestyle in retir...
by pondering
Sun Mar 05, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: How often do you discuss finances and spending with your spouse?
Replies: 60
Views: 4292

How often do you discuss finances and spending with your spouse?

I'm really struggling with talking about money with my wife. We have blown through a low 6 figure inheritance and I'm not sure if I need to increase my earnings or cut the family spending going forward.
by pondering
Sat Mar 04, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 2286

Re: Downsides to Living in Same Neighborhood Entire Life?

Are you looking for things to do outside of your neighborhood? Do you look up things to do on meetup.com? There are a couple hundred listed.
by pondering
Mon Feb 20, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 8786

Re: Need advice on girlfriend debt/finances

I strongly recommend that she does the flower exercise in the book: What Color Is Your Parachute? ( https://www.amazon.com/What-Color-Your- ... 039957820X )
by pondering
Sat Feb 18, 2017 1:05 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 19811

Re: Why do you go to restaurants?

I like to cook meat and other foods that are high in fat and low in sugars. My wife is a good cook. As a result we get a lot of take out when it is my turn to cook, and she prepares delicious recipes inspired by pinterest and weight watchers. The cheapest food I can find per calorie is budget ice cr...
by pondering
Sun Feb 05, 2017 4:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 17569

Re: How Did You Become A Boglehead? What Led You Here?

I will never get the secret anything, but someone who works at Vanguard did join my CBS Sunday Morning group today :)
by pondering
Sat Jan 21, 2017 3:29 am
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 38
Views: 5064

Re: Cell phones - I have met my match, please help

I take about 10,000 photos a year. I still take the majority of photos with a Nikon DSLR. One of the top 5 things I do with my phone is to take pictures, both as scanner and to take photographs.

I'd be surprised if the camera feature isn't important to you.
by pondering
Sat Jan 21, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: Do I want to try out another bank for $250?
Replies: 17
Views: 2322

Re: Do I want to try out another bank for $250?

I'm obligated for support payments based on income for my son until the end of June. I think I'll pass on this offer but consider generating the cash flow after that time. I like the alternative suggested about changing my spending habits, though I think the highest ROI for me is staying engaged and...
by pondering
Fri Jan 20, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Do I want to try out another bank for $250?
Replies: 17
Views: 2322

Do I want to try out another bank for $250?

Huntington Bank mailed an offer to Our Neighbor.

They are offering a $150 if I open a new checking account, and $100 if I make deposits of at least $5000 within 30 days.

Is the offer worth pursuing?
by pondering
Thu Jan 19, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 58
Views: 7121

Re: 50 Year Old Late Starter With Questions

If it isn't an amicable divorce you will be without resources.

Will you be able to get a meaningful social security check on your husband's earning record?

Remember you will need to do some tax planning regarding when to take social security.
by pondering
Wed Jan 18, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 58
Views: 7121

Re: 50 Year Old Late Starter With Questions

What is your goal for the account?
by pondering
Wed Jan 18, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 5968

Re: How to improve my income as software lead/manager?

When you find a place that can use three times your work in a productive way, they will be glad to reflect that in your compensation.

You have an amazing skill set, but it just isn't worth as much as increased sales.
by pondering
Thu Jan 12, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 3858

Re: Shutterbugs - How do you organize your digital photos?

The risk of fire (and other hazards) is real: m so consider that if you have a local only solution. I have the last two years of photos on Dropbox I store them by year, then day and event. I rename all the photos to begin with the date in YYYY-MM-DD format. My long term goal is to develop my own dat...
by pondering
Sat Jan 07, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 57
Views: 5107

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

Most technical obstacles to getting authentication are challenging to overcome.

There are many other issues and counterpoints. Why the focus on a single one?
by pondering
Fri Jan 06, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 13536

Re: Is driving for uber worth it for side money?

A couple of links from Freakonomics:

Is Uber Making the Taxi Market More Efficient?
http://freakonomics.com/2014/04/04/is-u ... efficient/

Why Uber Is an Economist’s Dream
http://freakonomics.com/podcast/uber-economists-dream/
by pondering
Fri Dec 30, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly Expenses in line or too much
Replies: 81
Views: 8274

Re: Monthly Expenses in line or too much

What type of diet do you have?
by pondering
Fri Dec 30, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 9803

Re: Affordable home exercise

To increase your aerobic capacity you need to do work out at at least 70% of you maximum heart rate for at least 30 minutes 2 to 3 times a week. There are a lot of benefits to the other exercises suggested here. A good measure to see if you are working out enough is to see if your resting heart beat...
by pondering
Wed Dec 28, 2016 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly Expenses in line or too much
Replies: 81
Views: 8274

Re: Monthly Expenses in line or too much

I posted the responses of:
bitburo - bluejello - hudson - joyanni - R. R.

and the categories listed in What Color is Your Parachute?

at: https://sterbalssundrystudies.miraheze. ... r_too_much
by pondering
Wed Dec 28, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Monthly Expenses in line or too much
Replies: 81
Views: 8274

Re: Monthly Expenses in line or too much

Joyanni,

You know where the money is going, but aren't telling us.
by pondering
Wed Dec 28, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Monthly Expenses in line or too much
Replies: 81
Views: 8274

Re: Monthly Expenses in line or too much

Great topic

I appreciate the more specific replies
by pondering
Mon Dec 26, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Fitness Tracker Recommendation Please
Replies: 9
Views: 1008

Re: Fitness Tracker Recommendation Please

Make sure you get one that measures your resting heart rate while you sleep.

It is the best measure of fitness I can find.