Search found 2552 matches

by epilnk
Thu Sep 19, 2013 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 9387

Re: Affording stay at home parent

I think it's probably more useful to have a parent home from 10-14 than 5-8... This. I'd say that you can be very useful at 15 and 16 also. We have some very useful conversations in the car and while dinner is being prepared. Middle school is pretty tough on kids, and high school can be also. I agr...
by epilnk
Thu Sep 19, 2013 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 9387

Re: Affording stay at home parent

It seems that most of the people touting how well SAH worked for them and their families are tending to be the people who are at work. Of course, the SAH spouse might feel the same way, but it's possible that the SAH spouse isn't as happy as the working spouse believes he/she is. The SAH spouse mig...
by epilnk
Thu Sep 19, 2013 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 134
Views: 17105

Re: The market is on fire

I think that if all it takes for the market to react so wildly is a Fed statement concerning a short term strategy, that this shows the market is only capable of short term intelligence--something like a dog scarfing up poisoned meat. -- Tet Even short term intelligence appears to be yesterday's ne...
by epilnk
Wed Sep 18, 2013 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 134
Views: 17105

Re: The market is on fire

I think everyone is a little ecstatic about the returns today, whether they admit it or not. It comes down to human nature and emotions. Seriously newb, we're not ecstatic - there's really no cause for it. Things go up and down but nothing is changed and I own not one share more than I owned yester...
by epilnk
Sun Sep 15, 2013 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Changing banks - recommendations?
Replies: 29
Views: 3404

Changing banks - recommendations?

I'm kind of fed up with my bank, looking to switch. I mostly use it for direct deposit of paychecks and online bill paying, and as a conduit for transferring money to Vanguard. I'm looking for something with a reliable and easy bill paying service. We don't need loans, and small differences in check...
by epilnk
Sun Sep 15, 2013 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 11811

Re: I spend 6.1% of my Gross income on rent

A lot really depends on how old you are. Young, broke, and just starting out usually justifies spending a larger percentage on housing. Assuming your earnings potential increases faster than your housing needs, this should go down over your lifetime. When I was in grad school housing was approximate...
by epilnk
Sun Sep 15, 2013 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 16063

Re: Got fired earlier this week, now the boss wants me back

I've also talked this over with my wife, and with the help of the outstanding people here, I've decided to call him (and his office manager, who is a stabilzing influence) this afternoon and inform him I will return, with the following requests: 1. A new contract, eliminating the non-compete clause...
by epilnk
Fri Sep 06, 2013 7:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Au revoir mes amis
Replies: 39
Views: 7425

Re: Au revoir mes amis

VictoriaF wrote:I hope sscritic will abandon his "commitment," too.

Victoria

We lost him too? What has been going on around here that I've missed?
by epilnk
Thu Sep 05, 2013 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret saving too much and not spending when younger?
Replies: 79
Views: 12046

Re: Anyone regret saving too much and not spending when youn

Nope. You don't need a lot of stuff when you're young, healthy, and pretty much everything has novelty. Possessions weigh you down; enjoy your freedom. Middle aged people need stuff to build the home, family, life, etc. Old people need creature comforts for their aching bones, and financial security...
by epilnk
Thu Sep 05, 2013 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Hang on to LT Muni Bond Funds?
Replies: 37
Views: 4263

Re: Am I Crazy to Hang on to LT Muni Bond Funds?

I own both IT and LT muni from Vanguard. Was noticing that the combined dividends paid this month are up 19% over January's dividends. And as I need more bonds, it's also nice that bonds are cheaper now. So higher dividends and lower purchase price, what's not to like? I do notice I have a TLH oppo...
by epilnk
Tue Sep 03, 2013 11:13 pm
Forum: Personal Consumer Issues
Topic: Schooling for a 2year and 4 year old
Replies: 58
Views: 4720

Re: Schooling for a 2year and 4 year old

JTJjr wrote:Two decisions that have paid off well in terms of my family's contentment are regularly reading the Bogleheads' website and sending our children to Montessori schools. Peace, JTJjr

Montessori preschool ranks high on my list of luxuries I'm glad we splurged on.
by epilnk
Thu Aug 29, 2013 3:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Au revoir mes amis
Replies: 39
Views: 7425

Re: Au revoir mes amis

It's never a fun time when long-time posters terminate their stay. But it's better when they do it this way rather than just disappearing... A note is better than disappearance, but it also may prevent one from changing his mind. I'd have preferred if Brian said that he was taking a break and will ...
by epilnk
Thu Aug 29, 2013 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What do I owe my children?
Replies: 119
Views: 12697

Re: What do I owe my children?

Coming to this thread late, after the decision has been made, but posting anyway. I have two children, one of whom has significant medical needs and may become disabled during adulthood. They have different needs now, and very different personalities as well. So we have wrestled over how to treat ou...
by epilnk
Wed Aug 28, 2013 11:57 am
Forum: Investing - Theory, News & General
Topic: Retirement: 28 is the new 30
Replies: 20
Views: 3622

Re: Retirement: 28 is the new 30

Conservatism is a good thing, but actuarial tables tell us that only a small percentage if people will live even to 93. People generally overestimate their statistical life expectancy. I would think everyone would want to at least cover every outcome within the first standard deviation of the mean ...
by epilnk
Mon Aug 26, 2013 1:47 pm
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 6700

Re: "15-Year Fixed Mortgage is Usually Preferable to 30"

I consider not getting a 15-year when we bought our current house to be one of my biggest financial mistakes. We would have qualified easily but we wanted "flexibility" which ended up costing us a lot. After refinancing to a couple of new 30-year, we finally went to a 15, then to a 5-year...
by epilnk
Sun Aug 25, 2013 5:48 pm
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 6700

Re: "15-Year Fixed Mortgage is Usually Preferable to 30"

I consider not getting a 15-year when we bought our current house to be one of my biggest financial mistakes. We would have qualified easily but we wanted "flexibility" which ended up costing us a lot. After refinancing to a couple of new 30-year, we finally went to a 15, then to a 5-year...
by epilnk
Sat Aug 24, 2013 1:40 pm
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 6700

Re: "15-Year Fixed Mortgage is Usually Preferable to 30"

So a 30 year paid off treated and paid as a 15 year would only result in more interest paid if the interest rate was higher than the 15 year option. Which has almost always been the case. Current spread between 15- and 30-year is about 100 bp. All else equal, if you get an offer for the same rate f...
by epilnk
Fri Aug 23, 2013 9:53 pm
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 6700

Re: "15-Year Fixed Mortgage is Usually Preferable to 30"

Serlin's points are well taken, but someone who can get into a house in a 30 year mortgage at the start of their career and aggressively pays down might end up just as well off. As may the person who pays it off over 30 years while saving aggressively. If there were a guaranteed best outcome there ...
by epilnk
Sun Aug 18, 2013 10:00 pm
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 20793

Re: Bogleheads Without Avatars

maybe the admins should find a way to offer a number of premade avatars Having people use the same canned avatars is pretty useless. Well, even more useless that avatars in general. Brian But if the administrators had the will and the way to assign random and different avatars to all avatarless use...
by epilnk
Sun Aug 18, 2013 6:18 pm
Forum: Personal Consumer Issues
Topic: All Inclusive [Vacation] Pros and Cons
Replies: 23
Views: 3015

Re: All Inclusive [Vacation] Pros and Cons

I highly recommend AIs with toddlers or preschoolers in tow. Feeding the kids when traveling can be a challenge, especially if they are young, picky, impatient, or just out of sorts from not being home. You're not taking them to fancy restaurants. An AI with generous buffet hours lets you feed the k...
by epilnk
Sun Aug 18, 2013 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: I soooo want to pile in large here...
Replies: 53
Views: 7440

Re: I soooo want to pile in large here...

I think you should definitely go for it. Either you'll get richer or you'll get smarter - that's a win either way.
by epilnk
Wed Jul 24, 2013 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: pick up double major or finish college in 3 years?
Replies: 112
Views: 9621

Re: pick up double major or finish college in 3 years?

If her 2nd major is going to be music, don't do it. Music is not going to complement her economics degree and as a person who has hired numerous people in the past, I wouldn't give a hoot. Graduate early and the one year she starts income is going to make a BIG different down the road in terms of s...
by epilnk
Tue Jul 23, 2013 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 9016

Re: Can we afford private school?

To follow up on Jodydavis's post, if I were to "split the difference," I would send the children to a good Montessori pre-school (a real one, not one that just calls itself that) and then do middle school (if possible) but definitely high school in the most rigorous school available to yo...
by epilnk
Tue Jul 23, 2013 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 9016

Re: Can we afford private school?

The be the world's leading scientist you do need the education, entrance into MIT and all the associated non-quantifiable benefits one gets from exposure to that type of an environment. The Nobel Prize in Physics 2012 David J. Wineland Encina High School, San Juan Unified School District, Sacrament...
by epilnk
Tue Jul 23, 2013 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 9016

Re: Can we afford private school?

My son's piano lessons won't keep him out of a STEM career, which appears to be the direction he's heading in. He was forced to take ceramics (his only B ever), but it was good for him, if not his GPA His piano lessons may be doing more to further a "STEM" career than anything else he's s...
by epilnk
Tue Jul 23, 2013 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 9016

Re: Can we afford private school?

Since education is an investment, the ROI on arts, social sciences and humanities is significantly lower than STEM degrees. I think I could support an idea of a private school that emphasises subjects relevant to STEM since those subjects and ultimately degrees will lead to far better job prospects...
by epilnk
Mon Jul 22, 2013 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 13488

Re: Isn't it a good thing if bond prices fall?

1) Interest rates rise in the next two years...most likely scenario; but as you point out, not a certainty. If correct, then at the end of two years, I'll cash out of CDs and buy bond funds at deflated market prices. You will experience a decline in the market value of your holdings and this declin...
by epilnk
Sat Jul 20, 2013 10:06 pm
Forum: Personal Consumer Issues
Topic: Bookshelves
Replies: 26
Views: 4885

Re: Bookshelves

The Billys hold up pretty well for particle board - I don't even know how old ours are but over a decade, and only a couple of the shelves with the heaviest textbooks are showing any sag. They're cheap enough that you could always pick up a couple of spare shelves if you are worried about warping. 1...
by epilnk
Fri Jul 19, 2013 10:15 pm
Forum: Personal Consumer Issues
Topic: Weber Grill and Consumer Reports
Replies: 44
Views: 7857

Re: Weber Grill and Consumer Reports

Our Weber is 16 years old and appears to be decomposing. I wanted to replace it this year but the husband insists that he can keep swapping out parts indefinitely. Based on this thread it sounds like he's right.
by epilnk
Fri Jul 19, 2013 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 9016

Re: Can we afford private school?

I'm surprised nobody has yet suggested the most obvious piece of advice: if you (or your husband) is committed to private school, buy a house in the worst nearby school district. Housing prices are based largely on school scores and you will pay much less for the same size home in a less desirable s...
by epilnk
Tue Jul 16, 2013 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 13488

Re: Isn't it a good thing if bond prices fall?

No...I'm really not a market timer! I would much prefer following my prescribed allocation of 40% equities and 60% bonds. But, there are times when (call it tactical allocation if you will) it simply does not make common sense to follow a rigid policy with respect to of portfolio allocation. This i...
by epilnk
Fri Jul 12, 2013 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 13488

Re: Isn't it a good thing if bond prices fall?

I'm not a market timer, but there are times when sitting out of the market makes sense. With respect to the bond market, this is one of those times. For those that say you cannot time the market, I respond with these questions: What's the worst that can happen if you sit out of the bond market for ...
by epilnk
Sat Jul 06, 2013 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into Long Term Treasuries?
Replies: 27
Views: 2288

Re: Rebalance into Long Term Treasuries?

At the rate we're going lately it's almost time for me to do this too. And I will. I won't like it, though. So far I've never regretted sticking to the plan in the long run, but I usually regret it in the short run.
by epilnk
Thu Jul 04, 2013 8:31 pm
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 9846

Re: [Poll] What's Your Current Mode of Camping?

This is going to be the most pretentious thing I think I have ever said (at least on this site): If you are camping in more than a tent, you are not camping. That is like calling it "boating" when you go on a cruise. In my youth I felt this way too. But the young don't stay young forever,...
by epilnk
Thu Jul 04, 2013 7:40 pm
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 5564

Re: Big Island Hawaii

Already mentioned, but it cannot be repeated too many times: the Place of Refuge, Puuhonua O Honaunau National Historic Park. My favorite place, perhaps anywhere.
by epilnk
Tue Jul 02, 2013 7:20 pm
Forum: Personal Consumer Issues
Topic: Car recommendations for a growing active family
Replies: 19
Views: 2648

Re: Car recommendations for a growing active family

I really wish I could find a station wagon I liked with a small pop up third row seat. It wouldn't even need to be comfortable, rear facing would be fine; all I want is seat belts that would allow me to haul a couple of extra kids across town now and then. (In my day we could pile a half dozen kids ...
by epilnk
Sat Jun 29, 2013 6:42 pm
Forum: Personal Consumer Issues
Topic: Anybody who bought a Kindle go back to regular books?
Replies: 74
Views: 6722

Re: Anybody who bought a Kindle go back to regular books?

Go back? I love my kindle, but that doesn't mean I've left real books. I read both happily. I have an original keyboard kindle, which I still think is the best one, and my son has a paperwhite. While I envy his built in lighting I don't think it's worth trading physical page turn buttons. I will say...
by epilnk
Sat Jun 29, 2013 6:22 pm
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 9846

Re: [Poll] What's Your Current Mode of Camping?

I used to backpack back in the day, but that was when my back and I were much younger. Now we rent a tent cabin with for a week: mattresses, shared bathroom facilities with hot water showers, and meals provided at a central dining hall 1/4 mile away. It's a good compromise to get the kids out into t...
by epilnk
Fri Jun 21, 2013 8:09 pm
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 6926

Re: What did you give your wife on your wedding day?

He got me a ring, similar to the one I got him. I still wear it. Spousal wedding presents are silly; there is no need to add to or distract from the main event. Gifts should be saved for another occasion, or none at all - there will be no shortage of opportunities for gift giving. The push present i...
by epilnk
Fri Jun 21, 2013 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Plan
Replies: 18
Views: 1718

Re: Deferred Compensation Plan

Thanks, everyone - we decided to sign up for next year. We'll probably only contribute during high tax bracket years (it varies), since we can't necessarily control when it pays out. But with our lack of tax protected space, the alternative for this chunk of cash would probably be CA munis. If I had...
by epilnk
Fri Jun 21, 2013 12:31 am
Forum: Investing - Theory, News & General
Topic: Time to buy bonds!
Replies: 26
Views: 6228

Re: Time to buy bonds!

ofcmetz wrote:My IPS calls for me to put new contributions into the asset class that is lower than its set percentage. I've been buying bonds all year.

Me too. I just wish yesterdays purchase, which was fairly large, had waited until today - I could have picked up 1% more shares.
by epilnk
Thu Jun 20, 2013 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Plan
Replies: 18
Views: 1718

Deferred Compensation Plan

My husband has been offered enrollment in a Deferred Compensation Plan, and we're trying to figure out whether to accept it. He can elect to defer a portion of his income until retirement, and the principal will grow at the Moody's corporate bond index (currently over 5%, though dropping of course),...
by epilnk
Wed Jun 19, 2013 11:22 pm
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 32656

Re: Why buy expensive cars

As a twenty-something male, I and my friends think that driving a nicer car makes it easier to get dates. How on earth would your prospect know what you drive before you ask her out? Assuming you're not cruising for hookers, of course. When I met my husband he was driving some godforsaken Chevy eco...
by epilnk
Wed Jun 19, 2013 7:56 pm
Forum: Investing - Theory, News & General
Topic: Bonds Investors running for the hills
Replies: 56
Views: 6129

Re: Bonds Investors running for the hills

I just bought a big chunk of VCAIX this week, increasing the number of shares by more than 10%. No CDs for me.
by epilnk
Mon Jun 10, 2013 11:00 pm
Forum: Personal Consumer Issues
Topic: New Printer Needed
Replies: 64
Views: 10746

Re: New Printer Needed

I had a series of HP printers that have all died before their time....the ink gets clogged up if you don't use the thing frequently. I recently switched to a Brother Color Inkjet All in One (print, scan, copy, fax) with wireless. Bought it at Staples. It cleans itself every day or every other day. ...
by epilnk
Sun Jun 09, 2013 7:09 pm
Forum: Investing - Theory, News & General
Topic: If only the ER for Vanguard funds was a bit higher.
Replies: 32
Views: 3531

Re: If only the ER for Vanguard funds was a bit higher.

If Fido and VG offered the same service for the same price there would not be much reason to choose one over the other. Fortunately we do have a choice between two excellent options offering similar but not identical services. It sounds like Fidelity is the better value for you while VG is the bette...
by epilnk
Fri Jun 07, 2013 5:45 pm
Forum: Investing - Theory, News & General
Topic: What's the right allocation to international bonds?
Replies: 39
Views: 4167

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

I'm going with zero. I don't have anything against this asset class. But if I were going to raise the risk of my bond allocation I would need to compensate by lowering my equity/bond ratio. I don't particularly want to buy more bonds right now. So I'll continue to leave the bulk of my risk on the eq...
by epilnk
Wed Jun 05, 2013 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: How long does the IRS have to give us our $?
Replies: 9
Views: 1543

Re: How long does the IRS have to give us our $?

MnD wrote:3% interest rate starting after 45 days after the return deadline is due.

Bummer. We filed early, knowing that too much was withheld, but I guess this means 45 days after April 15th, or more or less now.
by epilnk
Wed Jun 05, 2013 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: How long does the IRS have to give us our $?
Replies: 9
Views: 1543

Re: How long does the IRS have to give us our $?

OK, thanks; it sounds like I just have to be patient. Maybe I should adopt the attitude that they're probably doing me a favor by keeping the money. I'd be required to put it into our bond funds, which are hanging at my rebalance threshold. So maybe a little IRS-mandated market timing will give the ...
by epilnk
Wed Jun 05, 2013 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage question
Replies: 21
Views: 1933

Re: Paying off mortgage question

Heck, no - wiping out your emergency fund is a terrible idea. However you have a big chunk of change that can't be earning much over 0% interest, so why not eliminate part of your debt now? You could be free of car and education debt today without even noticing anything other than improved cash flow...