Bogleheads.org

rob

I've fought again time tracking for years... worked places that did this and just made up numbers. What is your aim?

rob

Yeh... with the runup since last year I've been leaning to the nearer end of my target date... I suspect that will change based on market conditions but who knows. My target is set so I'm done with college expenses but if market holds up might cheat a year or two earlier...

rob

Yep, Boxster GTS 4.0. Manual transmission, black on black with leather interior, turbo wheels. Allocation is for late July— there were only 4 builds left in the country. I lost a couple allocations trying to haggle price... so ended up paying full price to be able to secure the allocation. Demand i...

rob

In that case, replace the two tires, put the new ones in front, and hold off on rotating them until the overall level of wear is equalized between front and back. Being FWD, the two in the back will get minimal wear while the fronts will wear faster. New tires are installed on the rear axle. Most t...

rob

Likely can possibly due some consulting for the current place in the meantime since they would be in a bit of a lurch. Make sure you read the paperwork carefully - a lot of tech places would not allow this, they may require that they approve any side job and own any ip etc. All my roles have words ...

rob

My rule has been to never accept a counter... You decided to leave and no good comes from staying at this point.

rob

A popup flash is almost useless (depending on brand can be used to fire other flashes which is why I left "almost" in there :-) )... In most cases your better off without it. That may not make sense initially but IMO it's just true. If your new to SLR's - make sure you are going to carry t...

rob

If your relying on the wear guarantee to get a second set.... I expect putting on H rated will void that plan. In real life they are fine.

rob

I looked at this recently and my rates were about equal for group vs individual (age & bmi).... given it's not that critical and is really to cover college expenses over the next decade if I wake up dead, I went for group since it's just a lot easier (no exams, guarantee acceptance since I was a...

rob

No.... I see no advantage with the changes that keep appearing to happen - at least the tax software keeps updating.

rob

Time to let it roam free on a farm

rob

I recently ordered an Uber only to learn that the backseat windows did not open. I think they were not designed to open, it wasn’t that they were not working. I cannot think of a normal 4-door car with no window controls but possible I guess. Just contact the driver from the app once they accept th...

rob

US vs. Non-US is one of the religious wars in these parts... Your going to have to determine if you want non US, how much and then if you want SCV in non-US... Fees matter and that's not the cheapest end of the pool to play in.

rob

If you paid them $ then it will wash out eventually....

rob

As a fly out/in for the week person... I hope this thing never ends

Just not missing the work travel, although I'm working more hours.

rob

Another possible path / Join two year community college (cheaper, establish residency) and then pathway into upper year of state university. This was going to be my suggestion - it gets you to the 12K for education but obviously not when you add in housing costs. Establish residency and swap to the...

rob

I'm thinking of putting in a small tankless (one that will do 3 to 4 GPM, 2.5 in winter with 110F output) but feed that into the input of a standard tank type water heater. The tank type will act as a buffer when other short duration things want hot water during a shower, like the washing machine, ...

rob

Make sure your using specific id... then work out the various tax lots involved. Make sure they are transferred over to the new place. It's just not likely to be a pretty situation.... but agree with above take the low-hanging stuff (losses and lots with small gains) to use in your new allocation. I...

rob

Cable is horrible... They have a vested interest in jamming in more channels rather than higher resolution. Streaming is the answer but some amplifiers can upscale to 4K... which help me on cable stuff.

rob

I'd also do the cheaper when the gap is that large... Think of the portfolio across all accounts (for the same goal)... each acct does not need to mirror your plan.

rob

Look at no more robo calls... I have it setup at home by defining dual ringing.... free account also... worth way more than I pay

rob

If your pensions are 170K then you have saved too much.... get a hobby and start spending. You could also give to kids, charities etc. We actually do not have a choice on the pension as state workers. It’s taken out automatically. You asked about a 401K; They are completely optional. I understand a...

rob

If your pensions are 170K then you have saved too much.... get a hobby and start spending. You could also give to kids, charities etc.

rob

I'm going to put it in my 1970's photo album.... It's embarrassing that THIS is what the US has to offer.... Modern countries in the world have or are setting up apps with 3rd party verification from the authorities that the specific person has had the vaccine the app shows and integrating that into...

rob

Recently - Hifiman planar headphones, desktop amplifier and non-compressed digital sources... Sooo much like a breath of fresh air - Huge eBike... too old for motocross or mountain-biking now days but similar smile Long term - Contry to my recent examples; Experience over things - Travel before it w...

rob

The main change I made when hitting my WAG of "lean fire" was to stop working stupid hours.... I work plenty more than 40 still (especially remote) but don't work every weekend. Stuff gets dropped and I muddle through that. Maybe it will hurt my bonus - maybe not (TBD). I have kids and col...

rob

It's total return that I find important... How that is mixed I don't really care apart from placement of various level for tax reasons.

rob

Not for me... It's pure and simply stuff I have (income/investments) vs. Stuff I think I need to live (expenses). When I can cover #2 with #1 within a tolerance I'm comfortable with I'm done. Work is a four lettered word for a reason.

rob

Yeah it's an easy answer but on the the stock picking option keep this old saying in mind... A lawyer that represents themselves has a fool for a client.....

rob

That is clearly far too much to carry.... To be blunt you cannot afford a house in that price range.

rob

Lots on online places for poker and it's a decent game..... but I like strategy games (Chess, Go etc) so the card games I love are... Five person 500 if far and away my favourite... bring some alcohol.... Play the variation where you call a card for partner - willingly or preferably unwillingly. Tea...

rob

Waste of time trying to contact them..... I recently got a letter that demanded my 2019 return (which I had lodged)... Resent that via UPS this time with all the documentation and a new copy... 3 weeks ago and nada on the web-site... which essentially says don't bother trying to contact us via the c...

rob

Have a look at the Vanguard PAS option.... far cheaper than either of those sharks (and I'm been unkind to sharks). You can find an hourly advisor to give you options for the pension... but n the end I think you covered the big differences and only you can decide. Seems to me that you would be ok if...

rob

For a more low key front and lots of connection options (your looking for assignable in/outs), internet radio etc etc Look at the mid tier Marantz models. I love my (now discontinued but look for replacement models) sr5007.

rob

I wish the zealousness of the target funds was a little less here.... They are great for some uses but IMO bad option for taxable as your working out. It's not going to get any cheaper in the future, so I would do it earlier.

rob

Not sure why these threads keep going when it's clearly about break the rules. The rules are fairly simple IMO... You need earned income. To me and the vast majority of people that means flipping burgers or whatever and no been part of the household or turning kids into household employees somehow. ...

rob

As far as I know they will no longer open new old platform accounts.... I know people were able to get exemptions in the past but that seems to have gone away from the posts I've seen...

rob

We placed our order in September. We received it 3 weeks ago. The whole experience was frustrating to say the Least. Where we live, Peloton was using XPO Logistics to do 3rd party delivery. All "schedule your delivery" emails we received along the way said to call XPO, who would tell us t...

rob

Tilting is by definition trying to time the market, so switch to Total market and get off the horse. This. Honestly I’ve never understood the SVC folks. Do they stare at the Vanguard model portfolio CAGR tables, look at the CAGRs and go: ...... nahhhhh not good enough! Seriously? If you can’t retir...

rob

Normchad wrote: ↑Sat Mar 06, 2021 5:55 pmInstead of taking a 50% pay cut for ten years, just suck it up and keep going as long as you possible can. If you make it five years, you can stop all together.....

This is what I would do.... Maybe step out of some of the most critical projects while keeping the same level...

rob

That being said, I NEVER do any service the dealer recommends without looking at the part myself. At the dealers I've been to they take photos of the filters and text them to you or bring them out if you are waiting there and show you what they look like and ask if you want to replace them. If they...

rob

During the 90s there were many places (typically off the beaten track) that in lieu of carrying thousands and thousands in cash it was more viable to use an American Express card and utilize the card to get AmEx travelers checks issued. This typically involved a stop at the AmEx in the capital city...

rob

This is just pure scam at most stealerships and places like jiffylube... almost certainly you cannot get it dirty in that amount of miles...

rob

Why does retirement have anything to do with your job?
Why allow a "backdoor" roth and not a direct roth?
Why is there a penalty for been married at certain levels in the tax rate table?
Why does tax policy have little to do with logic?

Politics....

rob

So you all are telling me I should cash in the ones I still have from my traveling past.... Been meaning to get on that

I miss them... A random piece of paper is probably not much less secure than a credit card with all the breaches.

rob

unstoppable wrote: ↑Thu Mar 04, 2021 6:42 pm Cult following of Maui Jim’s

See... You already knew the answer...

rob

bgf wrote: ↑Wed Mar 03, 2021 8:32 am You should consider living in a hotel. I'm not joking, and you are in the perfect situation for it.

There are managed apartments that are housed in some hotels.... It's a mix of apartment living with the hotel services... Might be a good option to investigate in your area.

rob

It might make sense to consider Vanguard Small Cap Index fund that captures both value and growth. That way, you're always capturing the better performing half which make help you psychologically. But then you have to stay the course because you're in Small Cap and you invariably might find yoursel...

rob

VAIPX - Inflation
VBILX - Intermediate
VTAPX - ST Inflation
VTABX - Non-US Intermediate
IBonds - Paper (Thx Mel & Taylor

)
IBonds - Electronic
Various stable value funds

rob

I used a particular microcap fund for 20 something years before I just got sick of the whole damn topic in a taxable acct. I still believe that there is something there but no USABLE fund exists

Search found 3507 matches