Search found 5912 matches

by Alex Frakt
Tue Aug 04, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 63
Views: 4767

Re: $13 Million Goal for Early Retirement (am I crazy?)

I hate to pick at this, but am I the only one not getting the math which gets this to around 750k with a fully paid off home? You started Roth saving at age 16 to now: 14 yrs. x 5k or so on average: around 60k saving Wife stared Roth saving at age 16 to now: around 60k saving Full time 401k saving ...
by Alex Frakt
Sun Aug 02, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 67
Views: 6554

Re: Keep paying the mortgage??

Why is the OP allowed to delete his posts? It has destroyed this topic. From the forum policies: Rights Retained by Authors - Post authors in good standing retain the right to edit, modify or delete the contents of their posts as long as the forum remains fully operational (i.e., as long as the for...
by Alex Frakt
Sun Aug 02, 2015 5:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4447

Re: bogleheadism == Vanguard?

My point, though, is that Jack Bogle's and Bogleheads' principles apply not only to Vanguard but also to other investment opportunities. And when such opportunities exist, the Bogleheads encourage using them. Victoria Agreed and thank you. That does not change the fact that over 7,300,000,000 peopl...
by Alex Frakt
Fri Jul 31, 2015 10:45 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4447

Re: bogleheadism == Vanguard?

Vanguard is the default fund company option for a reason. Not only were they the first and for a long time only fund company to offer index funds to retail investors, they are the only mutual fund company that is actually a mutual company. There is no owner seeking to maximize profits at the literal...
by Alex Frakt
Wed Jul 29, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6187

Re: wife got in wreck with Honda CRV - no collison coverage

I've had to remove a couple of posts. It appears everything that needs to be said on this topic has been said, I'm going to shut it down before more comments are made that posters are likely to regret.
by Alex Frakt
Wed Jul 29, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6187

Re: wife got in wreck with Honda CRV - no collison coverage

But if something does happen, the likelihood of a crash is almost entirely dependent on whether you can stop in time to avoid whatever is in front of you (i.e. following distance). Following distance is the decisive factor only if you are focused on the car immediately ahead of you. The answer is t...
by Alex Frakt
Wed Jul 29, 2015 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Simple IRA
Replies: 10
Views: 306

Re: Opening a Vanguard Simple IRA

So if I am understanding this correctly the employer would be the one who buys the funds within the account? Basically all I will be able to do is log on to the Vanguard account and View my balance and the funds held within it? No, employers don't even know what funds you hold (at least once you ge...
by Alex Frakt
Wed Jul 29, 2015 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Simple IRA
Replies: 10
Views: 306

Re: Opening a Vanguard Simple IRA

Unless I'm missing something, even if the employer has an established a 5304-SIMPLE, the employer still has to set up and maintain the account at Vanguard. The employee can't do it (which was the OP's questions). However if it is a 5304 SIMPLE, the employee can force the employer to create the accou...
by Alex Frakt
Wed Jul 29, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Simple IRA
Replies: 10
Views: 306

Re: Opening a Vanguard Simple IRA

Here's a possible workaround. You can rollover money in a SIMPLE IRA to a traditional IRA after 2 years. If the employer is maintaining your SIMPLE at Ameriprise and you've been participating over 2 years, you may wish to set up a traditional IRA at Vanguard, roll over everything now and then do an ...
by Alex Frakt
Wed Jul 29, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Simple IRA
Replies: 10
Views: 306

Re: Opening a Vanguard Simple IRA

No, this can't be done as an individual. A SIMPLE IRA is an employer-run plan. The employer has to set it up, maintain it, and manage the funding. It's not complicated, you manage the contributions and almost everything else via a pretty easy to use website and Vanguard provides the employer with th...
by Alex Frakt
Wed Jul 29, 2015 12:43 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6187

Re: wife got in wreck with Honda CRV - no collison coverage

Once again, those who think this could never happen to them, simply because "I've been driving for xxx years and never done this", are just being arrogant. The OP started his post with "My wife has had several wrecks with our Honda CRV". One accident could be an accident. Severa...
by Alex Frakt
Wed Jul 29, 2015 12:30 am
Forum: Investing - Help with Personal Investments
Topic: What to do with $750k
Replies: 7
Views: 1465

Re: What to do with $750k

Bumping. The moderators temporarily removed this thread to check out something. Everything is fine, please continue ...
by Alex Frakt
Tue Jul 28, 2015 8:11 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6187

Re: wife got in wreck with Honda CRV - no collison coverage

Several accidents in several years means she needs to relearn how to drive (unless there is a clear physical cause for this). A classroom course is insufficient, she needs to have an instructor in the car with her to teach her the correct approach to driving. It's not about perfect control of the ca...
by Alex Frakt
Tue Jul 28, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Options
Replies: 2
Views: 253

Re: Retirement Investment Options

I'll give you a partial answer. 7% guaranteed is an amazing deal given current interest rates and stock valuations. I'd certainly be happy with it. It also allows you to do tactical asset allocation (aka long-scale market timing) with no drawbacks. The next time the stock market crashes, move 40-60%...
by Alex Frakt
Tue Jul 28, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2799

Re: Why is stock market so reactionary to news on daily basis?

Cause and effect often get confused here. Prices fluctuate. People like a shorthand explanation for market movements, so they grab onto whatever piece of news seems to fit. This is why you get situations where the same government report showing essentially the same numbers will sometimes be credited...
by Alex Frakt
Sat Jul 25, 2015 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest for two years
Replies: 13
Views: 1410

Re: $100,000 to invest for two years

herb7949,
The more grounded in reality your question is, the better the responses will be.

Everyone offering jokes instead of advice,
I think we've got the point. Please stop piling on. Thank you.
by Alex Frakt
Fri Jul 24, 2015 2:05 am
Forum: Investing - Help with Personal Investments
Topic: New Investor Seeking Guidance: in every aspect!!
Replies: 8
Views: 938

Re: New Investor Seeking Guidance: in every aspect!!

Welcome to the forum. I'm bumping your first post since there was a delay in approving it and our regular responders may have missed it.
by Alex Frakt
Fri Jul 24, 2015 1:59 am
Forum: Investing - Help with Personal Investments
Topic: [investing proceeds from] Selling my company
Replies: 3
Views: 448

Re: [investing proceeds from] Selling my company

Your goals are incompatible. You can have principle protection or take a chance at a high rate of return. You can't do both. Which is more important?
by Alex Frakt
Thu Jul 23, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 79
Views: 10484

Re: The Good the Bad and the Ugly of real estate

Me and the DW are planning to go on a world circumnavigation with our two daughters withing 6-8 yrs. We are currently saving for a second property (first rental) which we are planning to purchase in March. The plan is to purchase one house/yr for the next five years and generate a a secondary passi...
by Alex Frakt
Thu Jul 23, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Finances: Findings of the 2015 Trustees Report
Replies: 4
Views: 596

Re: Social Security Finances: Findings of the 2015 Trustees Report

Locked. This is an off-topic political policy discussion. There's nothing we can do here but speculate on political outcomes, which is not an endeavor with a positive expected return :-(
by Alex Frakt
Thu Jul 23, 2015 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Target Fund in Taxable
Replies: 3
Views: 687

Re: Target Fund in Taxable

I just want to verify. You hold both funds in an IRA and you want to hold one or the other in a taxable account as well? If this is the case and you are concerned about tax costs, you would be better served taking a step back and looking over all of your options to figure out how to do things effici...
by Alex Frakt
Wed Jul 22, 2015 1:27 am
Forum: Investing - Help with Personal Investments
Topic: VHT vs VGHCX in taxable account
Replies: 13
Views: 1461

Re: VHT vs VGHCX in taxable account

Hi wcmFun, Investors must remember that past performance is not guarantee of future results. The government requires that note in investment documentation. At the end of the day, the "best" portfolio is the one that is right for you and allows you to sleep well at night. Keep investing si...
by Alex Frakt
Thu May 07, 2015 2:00 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

I'm curious why you're loading so many files and not concatenating them. Each page is loading 13 CSS files. That's 13 HTTP requests. Worse, you're loading a CSS file with @import directives in it to load other CSS files. This is bad bad bad . Depending on the browser, those can be blocking requests...
by Alex Frakt
Thu May 07, 2015 1:45 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

Re: UI issues (especially iPad)? please evaluate alternate styles

And one final note. I also looked at these styles on my Android phone. On that small of a screen, none of the styles were as readable as the current prosilver style. Yes, there is less information available with the prosilver style (e.g. the complaints raised about not being able to see the origina...
by Alex Frakt
Thu May 07, 2015 12:01 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

Re: UI issues (especially iPad)? please evaluate alternate styles

We made some changes to the site homepage to add a little spacing between the lines and hopefully fix the ugly font issues for everyone.
by Alex Frakt
Wed May 06, 2015 3:16 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

Re: UI issues (especially iPad)? please evaluate alternate styles

- many browsers don't check style sheet freshness each time they load a page. This is for performance reasons, they css should be versioned on the server side to force clients to update css caching Funny. earlier today I sent ladygeek an e-mail about changing the name of the homepage stylesheet to ...
by Alex Frakt
Wed May 06, 2015 10:58 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

Re: UI issues (especially iPad)? please evaluate alternate styles

I am a bit confused by the styles examples provided, as the style for me is fine. It is only the hugeness of the font size in landscape mode, that is my issue. ... Can't we just set the font size and be done? If there are instructions for setting a size, that would be helpful to share. According to...
by Alex Frakt
Wed May 06, 2015 10:52 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

Re: UI issues (especially iPad)? please evaluate alternate styles

On my regular computer (not a tablet) I use firefox and with the new changes, have a large gothic print with little space between lines and is hard to read. If I use chrome browser, I have the old, serif type with more space between lines and is easier to read. I always like to use firefox. slk I'l...
by Alex Frakt
Wed May 06, 2015 10:18 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Would it be possible for forum version to be a user selection?

Large (non-adjustable) font size in landscape mode. .. SOLUTION? ... When evaluating the dozen or so different phpBB templates at the web site (link provided by Alex, above) I was quite surprised that most of the skins or "phpBB 3.1 Styles" worked well in both portrait and landscape modes...
by Alex Frakt
Wed May 06, 2015 10:13 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

UI issues (especially iPad)? please evaluate alternate styles

I'm splitting this off from the existing bug report thread because I would like more feedback on the style options for those who have issues with the user interface after the upgrade. Note that this isn't limited to iPad users, if you have other devices, I'd be more than happy to hear your preferenc...
by Alex Frakt
Tue May 05, 2015 11:09 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

A couple of points on server-side unread post tracking: 1) This is probably temporary. Once we get everything under control, we will experiment with re-enabling it to see what kind of performance hit it takes. 2) Give it a day or two, turning it off meant that the current state had been lost, so ev...
by Alex Frakt
Tue May 05, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Military SBP--Delicate Situation [also bad VUL]
Replies: 11
Views: 1330

Re: Military SBP--Delicate Situation [also bad VUL]

I'm working with the guy who sold me the VUL 20 years ago in an attempt to keep it afloat. I can't avoid the fact that I took my eye off the ball, not fully understanding the impact of 'cost of insurance' on the cash value so I didn't increase premiums to balance that. Having said that, as my 'fina...
by Alex Frakt
Mon May 04, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Military SBP--Delicate Situation [also bad VUL]
Replies: 11
Views: 1330

Re: Military SBP--Delicate Situation

Just trying to get the conversation going. But could you post more info on your VUL? Perhaps something could be salvaged there.
by Alex Frakt
Mon May 04, 2015 1:12 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

A couple of points on server-side unread post tracking: 1) This is probably temporary. Once we get everything under control, we will experiment with re-enabling it to see what kind of performance hit it takes. 2) Give it a day or two, turning it off meant that the current state had been lost, so eve...
by Alex Frakt
Mon May 04, 2015 11:40 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 6464

Re: Polls Disabled

The thread is locked. My original post was an announcement. I left it open to see if I had missed anything major that outweighed the factors leading me to disable polls. I have not. Yes my decision was not made democratically. None of the policy decisions here have ever been. I take input, from memb...
by Alex Frakt
Sun May 03, 2015 11:40 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

I think the problem of having all of your posts showing up as unread is the result of one of those new features I turned off. Specifically 'Enable server-side topic marking: Stores read/unread status information in the database rather than a cookie". You can imagine the size of the database ta...
by Alex Frakt
Sun May 03, 2015 11:33 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7056

Re: What's new and changed in phpBB 3.1

How do I subscribe to a conversation to be notified by email when a new post is added to the thread? I see where I can do it when I post a response, but, can I do it if I have not already posted? At the top and bottom of each thread there is a little wrench icon. Click it and "Subscribe topic&...
by Alex Frakt
Sun May 03, 2015 10:56 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

A new problem has arisen. Now, when I click on "view your posts", everything shows up as unread, even the threads that were read a long time ago. As I've stated earlier (somewhere), the indexes are used to keep track of posts you've read. You're seeing is what happens when the indexes hav...
by Alex Frakt
Sun May 03, 2015 10:35 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Would it be possible for forum version to be a user selection?

P.S. Silly question. If websites can maintain multiple versions (standard and mobile), why not also keep the last simple html version for older systems? Early adopters select forum version 3+, and users with older systems stay with forum version 2. (I tried Vanguard's then new mobile version, it wa...
by Alex Frakt
Sun May 03, 2015 9:38 pm
Forum: Forum Issues and Administration
Topic: Notifications temporarily disabled
Replies: 1
Views: 1450

Notifications temporarily disabled

The new version of the forum software has a feature called notifications. Since the forum is running slow and this feature appears to have a fairly heavy server overhead (at least with the default settings), I've temporarily disabled it. We will revisit it once we get the speed issues under control.
by Alex Frakt
Sun May 03, 2015 9:29 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7056

Re: What's new and changed in phpBB 3.1

It just occurred to me that there is a fair amount of processor overhead with notifications. I am going to turn them off for now. Once we get the speed issues under control, we'll revisit this feature.
by Alex Frakt
Sun May 03, 2015 9:23 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7056

Re: What's new and changed in phpBB 3.1

The forum software deletes notifications based on an administrative setting rather than an user setting. Given that this is a new feature in phpBB 3.1, I'd expect that the software developers will collect feedback and decide if this should be something controlled via User Control Panel. From my exp...
by Alex Frakt
Sun May 03, 2015 9:09 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7056

Re: What's new and changed in phpBB 3.1

5-3-2015 | Attempted to delete notifications by every apparent method and in combination, logging out, deleting forum cookies, deleting all history and all cookies, etc. Perhaps there is a magic button somewhere. (Sure! That's something they would do.) - Above list of notifications - 1. "Mark ...
by Alex Frakt
Sun May 03, 2015 2:38 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

... the bogleheads label on the top is no longer a hot link back to the main page. The square logo to the left of the word "Bogleheads" works for that. Previously, both the logo and the text were links to the main page. Now it's only the logo. Right now it seems very burdensome to move th...
by Alex Frakt
Sun May 03, 2015 2:02 am
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7056

Re: What's new and changed in phpBB 3.1

TomatoTomahto wrote:How do I change font size? I'm on an iPad as I write this, and the font size is a bit large, but on the home page it is unusable it's so large.

Try holding the Apple key and - (Minus). Apple+ makes it larger if you go too far.
by Alex Frakt
Sun May 03, 2015 1:57 am
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7056

Re: What's new and changed in phpBB 3.1

555 wrote:How do I delete all the notifications?

Click the Notifications link. There's an option to "Mark all read".

Next to it is the option to get into the Notification settings if you want to limit them or turn them off completely.
by Alex Frakt
Sun May 03, 2015 1:49 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

A couple of issues that came up on the announcement thread. Making the header text (not just the logo) a link to the homepage again on the list. Using the full screen width may not be, but we will test making it flush left. I find the double margins highly annoying. As you may have guessed, the prim...
by Alex Frakt
Sun May 03, 2015 1:43 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

Change request : On my desktop Firefox 37 browser, I now get the tiny buttons where it used to say "report" and "quote". The new buttons are not intuitive to me. I suppose they might make sense on a mobile browser with limited screen real estate. But they don't make sense on my ...
by Alex Frakt
Sun May 03, 2015 1:42 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

my apologies , I did not see this thread https://www.bogleheads.org/forum/viewtopic.php?f=3&t=165039&newpost=2479205#p2479187 May I suggest that for the moment you set it so this thread is always at the top of the list? I merged your thread here. This thread is currently pinned to the top o...
by Alex Frakt
Sun May 03, 2015 1:37 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22742

Re: Forum software upgrade bug reports and change requests

A private message sent to me on April 23 has reactivated itself (since the upgrade) and is showing as a new message no matter how many times I read it. I don't want to delete it, I just want to see "zero PM" on the banner heading when there are no new messages. Go to your Inbox and click ...

Go to advanced search