Search found 2581 matches

by epilnk
Sun Feb 09, 2014 12:58 am
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 11135

Re: "If your parents died early, will you die early too?"

Longevity has long been understood to have low heritability once known major risk factors are accounted for; none of this is new. If your parents are afflicted with cancer, heart disease, and diabetes, and spend their weekends bungie jumping, you probably don't want to postpone anything on your buck...
by epilnk
Sun Feb 02, 2014 12:54 am
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 13152

Re: What is your definition of "Wealthy?"

I'm sure it's all a matter of perspective. I was pretty poor just 17 years ago, counting every nickel. 12 years ago, I felt pretty wealthy being able to pull out and spend a $20 without worry 7 years ago, I felt pretty wealthy being able to buy a $1000 TV or computer without having to run any numbe...
by epilnk
Sun Feb 02, 2014 12:20 am
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 13152

Re: What is your definition of "Wealthy?"

"Financial" wealth is meaningless with un-Healthy and un-Happy loved ones. Au contraire - financial wealth takes on new meaning when you have an unhealthy loved one. I didn't care much about money before my son's diagnosis. But many problems will go away when you throw money at them, and a difficul...
by epilnk
Mon Jan 13, 2014 10:40 pm
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 10633

Re: King sized mattress recommendation?

How did we all become connoisseurs of fine mattresses (me included)? Is this a reflection in the aging of the population or has it been foisted upon us by the mattress industry? Many of today's mattress 'innovations' seem not only mostly unnecessary but also undesirable. I dread making our because ...
by epilnk
Mon Jan 13, 2014 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 2501

Re: Biotechnology or Microbiology

What things unrelated to the degree impressed you most? I don't think any two good CVs were alike. But we're talking about college students here, not people with interesting work histories. Somebody who took 28 science (mostly biology) classes plus 4 distribution requirements was probably a dud - I...
by epilnk
Mon Jan 13, 2014 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 2501

Re: Biotechnology or Microbiology

He knows enough programming to be aware he does not want that as a career choice, but he may learn to love it if it means he can get into his chosen field. He will be taking stats this semester. I think he will do well, and I think he will like it. One semester of stats isn't something that will ma...
by epilnk
Mon Jan 13, 2014 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 2501

Re: Biotechnology or Microbiology

I too have an Ivy League PhD and a high prestige postdoc. I was lucky enough to get a high paying job in biotech, and I was probably responsible for hiring and training more entry level new graduates than anyone else in my large department. (I ran a labor intensive project, so new hires often spent ...
by epilnk
Fri Dec 27, 2013 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for High Taxable/Tax Advantaged Ratio
Replies: 16
Views: 2030

Re: Considerations for High Taxable/Tax Advantaged Ratio

We are in a similar situation; we have more tax advantaged than you do (about 1/5th of total portfolio) but need to park bonds elsewhere. About a decade ago I got rid of TBM - I was nervous about the upcoming housing collapse so wanted no MBS, and David Swensen recommends taking equity risk in equit...
by epilnk
Sat Dec 14, 2013 6:24 pm
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 7410

Re: A Modest Proposal [adding off-topic board]

It is not going to happen under the name bogleheads or bogleheads.org. I have no interest in creating or maintaining such a forum. If someone else wants to try, be my guest... Of course the community represented by authenticated members is what would be served by an "off topic"/"lounge" type sub-fo...
by epilnk
Fri Dec 13, 2013 9:26 pm
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 7410

Re: A Modest Proposal [adding off-topic board]

It works well for the people for whom it works. Not so much for the rest of us. That is why the ideal situation would be this board remaining the same plus a separate board for the people who don't like it here - that's really the only way everyone would be happy. However that would require someone ...
by epilnk
Fri Dec 13, 2013 7:14 pm
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 7410

Re: A Modest Proposal [adding off-topic board]

There are (or were) many people who are (or were) in favor of a less narrow moderation policy. A major reason the board now favors strict moderation is because strict moderation was implemented many years ago; the people who liked it stayed and the people who wanted more freedom left - a classic exa...
by epilnk
Tue Dec 03, 2013 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be at home with older or younger kids?
Replies: 54
Views: 5156

Re: Better to be at home with older or younger kids?

I'm going to vote older, if a choice must be made. I was fortunate in not actually needing to make the choice, having spent most of my time at home at all ages. But it is quite clear to me that I am currently in the critical years. Parenting age 10 and up is easier to do, but much harder to do well....
by epilnk
Thu Nov 21, 2013 12:14 am
Forum: Personal Consumer Issues
Topic: Tablets and Readers and Smartphones, oh my lol
Replies: 31
Views: 2531

Re: Tablets and Readers and Smartphones, oh my lol

I use an iPad for travel, work, and occasionally convenience at home, and hate its deliberate limitations in Java, flash and document transfer, as well as avoid websites that force a mobile version on me (re: recent thread on Barry Ritholtz, his at the top of the list, ironically). This is an easil...
by epilnk
Wed Nov 20, 2013 10:58 pm
Forum: Personal Consumer Issues
Topic: how much more expensive is a bigger home?
Replies: 68
Views: 7118

Re: how much more expensive is a bigger home?

I want a somewhat nicer house, in a better location, and there's no financial reason not to move. But we're pretty happy here despite the many inconveniences. It's hard to know whether a change would be for the better. Although the cost of buying and renovating our house has been much more than I e...
by epilnk
Wed Nov 20, 2013 12:45 am
Forum: Personal Consumer Issues
Topic: Tablets and Readers and Smartphones, oh my lol
Replies: 31
Views: 2531

Re: Tablets and Readers and Smartphones, oh my lol

I appear to have stepped down the size categories. My laptop now takes the place of my former desktop, as my portable though often stationary workhorse. My ipad mini now fills something closer to the role my laptop used to play, though with greater mobility. That's the device that is in constant mot...
by epilnk
Tue Nov 19, 2013 11:55 pm
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 4474

Re: Grade 4. Writing Reading. Goal. "Exceed the Grade Level"

Nisi said it best. Go back and read the second post in this thread. Don't let her spend so much time on drills and studying that she doesn't have time to think. Forget the tutor. Let the school continue to develop her skills. Encourage things that will develop her mind instead. edit: I typed this in...
by epilnk
Tue Nov 19, 2013 3:12 pm
Forum: Personal Consumer Issues
Topic: how much more expensive is a bigger home?
Replies: 68
Views: 7118

Re: how much more expensive is a bigger home?

If i may add that larger house may also improve ones marriage ( if needed) as you can escape each other more easily. The flip side to that is that you can escape each other more easily. Which is part of my dilemma. We have a nice little house, almost 2000 sq ft for a family of four. The preteen boy...
by epilnk
Wed Nov 06, 2013 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Need to choose a 529 - Live in CA (no state tax benefits)
Replies: 16
Views: 2131

Re: Need to choose a 529 - Live in CA (no state tax benefits

I opened the Ohio one because that seemed like the best choice at the time. I'm not real happy with the website though. I now also have 529s open though VG (whatever the one is that links directly to the site - Nevada, maybe?) and that's what I contribute to; it's more trouble than it's worth to con...
by epilnk
Mon Oct 28, 2013 6:29 pm
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 15187

Re: How many square feet is your home?

This is southern CA, where there are no basements, tiny/nonexistent yards, and small garages that most people use as storage rooms. Yup. And often stored with stuff that rarely seems to get used or cleared out so it expands and all the cars get park on the street. Or worse the garage gets used it a...
by epilnk
Thu Oct 24, 2013 6:19 pm
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 15187

Re: How many square feet is your home?

2000 sq ft, 4 br, 2.5 bath, family of 4. The two boys have two bedrooms but by their own choice they have bunk beds in one for sleeping and use the other one for video games and teenage man-cave. (TV and Xbox in the bedroom is not ever going to happen.) The fourth bedroom is office space and workou...
by epilnk
Thu Oct 24, 2013 6:10 pm
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 3932

Re: Best Sofa with Young Children

Imperabo wrote:Microsuede. I've had a full glass of red wine dumped on it and it cleaned up easily with no stain.
Or you could just limit the kids to white wine.
by epilnk
Wed Oct 23, 2013 7:24 pm
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 15187

Re: How many square feet is your home?

2000 sq ft, 4 br, 2.5 bath, family of 4. The two boys have two bedrooms but by their own choice they have bunk beds in one for sleeping and use the other one for video games and teenage man-cave. (TV and Xbox in the bedroom is not ever going to happen.) The fourth bedroom is office space and workout...
by epilnk
Wed Oct 23, 2013 7:13 pm
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 3932

Re: Best Sofa with Young Children

I'm very surprised by the answers here. I have two extremely active boys, and our house tends to be the neighborhood hangout. (There are 4 adolescent boys in the room with me as I type this.) The kids are all over the furniture and they are allowed to run wild, within limits. We also have cats. In t...
by epilnk
Sat Oct 12, 2013 10:55 pm
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 37422

Re: Government Shutdown/Default [effect on investments]

I'm having a heck of a time explaining all of this to my children, ages 12 and 10. My younger son's class is studying how the stock market operates so we've been listening to the financial news after school every day, and everything centers on the government shutdown. I normally try to present a pol...
by epilnk
Mon Sep 30, 2013 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSA versus Alternate Scenario (Help me Pick)
Replies: 10
Views: 1103

Re: HSA versus Alternate Scenario (Help me Pick)

The conventional wisdom lately is that HSAs can be superior for both ends of the cost spectrum - the young and healthy, but also the unhealthy - and conventional plans are better for the middle. We are a very high cost family who always hits the deductable and always will, and we have saved a lot by...
by epilnk
Mon Sep 30, 2013 9:48 pm
Forum: Investing - Theory, News & General
Topic: [Poll] Math question for Bogleheads
Replies: 39
Views: 2340

Re: [Poll] Math question for Bogleheads

Some people might be wondering what the purpose of this poll is. Well, I look at this equation and, in my opinion, you can not calculate X until you have A, B and C. You need all three. Otherwise X is unknown. Or maybe you can call X undefined or indeterminate. I'm not sure what the best word is th...
by epilnk
Fri Sep 27, 2013 4:00 pm
Forum: Personal Consumer Issues
Topic: Refurbished Ipad or ???
Replies: 17
Views: 1832

Re: Refurbished Ipad or ???

We have an astonishing number of devices in our household. Which is best depends entirely on individual preferences and uses. Company controlled laptop: spouse's primary computer, off limits to family. Macbook: my primary computer. Thinkpad: kids primary computer. Technically for homework, in realit...
by epilnk
Fri Sep 27, 2013 12:13 pm
Forum: Investing - Theory, News & General
Topic: rising rates bad for REITS?
Replies: 19
Views: 2437

Re: rising rates bad for REITS?

Well this is annoying. I recently decided to further simplify my portfolio, and ditching the REITs has been at the top of my list for a long time. They aren't serving the diversification purpose they were originally intended for - they are stuck in awkward places, split into a couple of small retire...
by epilnk
Thu Sep 19, 2013 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 9578

Re: Affording stay at home parent

Financially speaking, I don't think anyone can say that having a stay-at-home parent is no sacrifice. I have to respectfully disagree, at least in the limited sample of my family. My wife's income today is almost double what our combined income was when I began staying home with the children. This ...
by epilnk
Thu Sep 19, 2013 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 9578

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: 9578

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: 17320

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: 17320

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: 3463

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: 12837

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: 17077

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: 7677

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: 12429

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: 4410

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: 4857

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: 7677

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: 12940

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: 3655

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: 6790

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 and will ...
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: 6790

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 and will ...
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: 6790

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: 6790

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: 21483

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: 3086

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: 7515

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.