Search found 2961 matches

by Boglenaut
Thu Jul 23, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Is this a cup-with-handle pattern?
Replies: 29
Views: 2321

Re: Is this a cup-with-handle pattern?

This is a chart of a value going up and down. It has no other meaning.

You'll be wise to avoid "technical analysis".

Here is my opinion of it: https://youtu.be/TUR1wR1SX3w

Too bad I hadn't heard of Cup and Handle -- I could have included it in the video.
by Boglenaut
Tue Jul 21, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10583

Re: How do people afford children with a SAHM?

Also, kids are not too expensive the first few years if you have no day care or medical problems. This is because of tax breaks and deductions. But that changes when they get older and kids cost more.
by Boglenaut
Tue Jul 21, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10583

Re: How do people afford children with a SAHM?

It is pretty easy actually, especially at your income level. First, save like crazy before the kids arrive. You spend $300 :shock: on phone, TV, and Internet. Our family of 4 spends $55 on those items. Remember, if you save time is on your side; if you borrow, time is against you. If you save, in 15...
by Boglenaut
Mon Jul 20, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8517

Re: Wedding Receiption

I have never heard of charging guests for drinks at weddings. You could have pay toilets too and make money twice for each drink. Here, weddings typically have a nice dinner, music, and lots of alcohol. But I think it is just fine to serve only some kinds of drinks, or no drinks at all for budget or...
by Boglenaut
Sun Jul 19, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401K account when past employer files Chapter 7 liquidation?
Replies: 2
Views: 271

Re: 401K account when past employer files Chapter 7 liquidation?

For very small companies, I've heard horror stories where they cannot find the person authorized to move funds and funds get stuck.
by Boglenaut
Wed Jul 15, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 508
Views: 101066

Re: That Frugal Thing You Do

"A shiny new Civic." The Civic I mentioned in my original post was totaled a couple months ago when someone ran a red light. It was almost 11 years old and had about 83K miles (mostly city). The timing belt was changed about 8 months previous and tires were a good set 16 months old. The i...
by Boglenaut
Wed Jul 08, 2015 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum 401-K match benefit = 3% or 6% of compensation?
Replies: 5
Views: 516

Re: Maximum 401-K match benefit = 3% or 6% of compensation?

It is ambiguous, but I would read it at 3% company match if you put in 6%, based on previous plans I was in and how they were worded.

If you make 100K and put in 6K, they put in 3K.

But that's just my guess.
by Boglenaut
Wed Jul 08, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Am I rich or am I a poser?
Replies: 11
Views: 2101

Re: Am I rich or am I a poser?

I think you would definitely be considered "affluent".
by Boglenaut
Wed Jul 08, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 3787

Re: Vanguard phonecall asking for personal information

Vanguard called me once and asked for all sorts of personal information to confirm something I changed. I am really glad they were looking out for me, but I told them I'd call them at a 1-800 number on the website before answering. It was a legit call, but I had no way to know that was Vanguard secu...
by Boglenaut
Wed Jul 08, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to pay the fee to move tIRA account from Scottrade
Replies: 3
Views: 333

Re: How to pay the fee to move tIRA account from Scottrade

She should ask Scottrade if she can pay the fee with a check instead of them pulling from her IRA. You are better off paying from the tIRA account... the $75 from a taxable checking account is worth more than $75 that will have tax due someday. If you did not hit your limit yet, why not let them ta...
by Boglenaut
Tue Jun 23, 2015 7:19 am
Forum: Investing - Theory, News & General
Topic: Siegel, "retirement period increased more than eightfold"
Replies: 12
Views: 2723

Re: Siegel, "retirement period increased more than eightfold"

And what happened to the labor participation rate for women during the same period? Seems overall, we are working many more years on average considering that huge influx. In 1950, my wife would have remained a stay at home Mom forever. Now, she did that AND went and started a career afterwards. Mayb...
by Boglenaut
Mon Jun 22, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3809

Re: Visiting Nephews: Water Guns and Nerf Weapons

My boy got a few nerf guns for Christmas. We never even thought to aim them at people. Do you know how many hits it takes to bring down a mylar helium balloon ($1 at Dollar Tree)? We have no idea because we never succeeded. We hit it hundreds of times and it never went down. Single shot gun was much...
by Boglenaut
Sat Jun 20, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14386

Re: Will we be eating cat food?

"Will we be eating cat food?" "Our total net worth is $3.7 million" Cat food? Melodramatic much? I really think the OP should change the subject line of this post. Seriously, concerned about eating cat food? I think it is disingenuous to those who have a true concern. I suggest &...
by Boglenaut
Wed Jun 17, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 6974

Re: How much do your children cost per month?

anonforthis wrote: If we keep spending like this, we can afford many more children :D


This will not last. Our costs are increasing like crazy as they get older.
by Boglenaut
Tue Jun 09, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: Fizzy swans: decompression sickness as an analogy for investing risk?
Replies: 15
Views: 1962

Re: Fizzy swans: decompression sickness as an analogy for investing risk?

There was a thread some time ago where someone asked for analogies like this for investing (maybe bond interest rates in particular, I don't recall). I think they even had a poll at the end to vote on the best.
by Boglenaut
Mon Jun 08, 2015 6:57 pm
Forum: Investing - Theory, News & General
Topic: I lost $100 million — and I’ve never been happier
Replies: 29
Views: 9093

Re: I lost $100 million — and I’ve never been happier

Oh, I see Jonathan thought the same thing as me above. Missed that in my first pass.
by Boglenaut
Mon Jun 08, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: I lost $100 million — and I’ve never been happier
Replies: 29
Views: 9093

Re: I lost $100 million — and I’ve never been happier

Unfortunately, nowadays we have to ask "has this story been vetted?".

I hope it was because it is very interesting. But $100 million is a lot to lose if you have $100 million.
by Boglenaut
Mon Jun 08, 2015 8:17 am
Forum: Investing - Theory, News & General
Topic: What is the opposite of longevity risk?
Replies: 30
Views: 2071

Re: What is the opposite of longevity risk?

I would say the opposite of longevity risk is putting too much into insurance, annuities, etc then dying. Let's say you are 60 years old and have $10 Million (lucky you!). You buy a huge annuity with the full amount, then drop dead the next day. Your heirs, or you favorite charity, etc. could have h...
by Boglenaut
Sun Jun 07, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6637

Re: What Percent Of Your Annual Expenses Are Property Taxes?

About 13%.

It is the one expense we cannot control short of selling the house. It goes up and up, but we can keep other expenses in check.

It is about $4700/yr, but we spend a total of just under $35000/year.
by Boglenaut
Sun Jun 07, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 162
Views: 14593

Re: Free Windows 10 Upgrade, Yes or No?

Home video is on a computer - connect the computer directly to the TV's (HDMI, VGA, etc) input. This is how we do it now, laptop to TV via HDMI. Once connected, I use Windows Media Center and a laptop remote control designed for the Windows Media Center to view the movies. We'll lose this capabilit...
by Boglenaut
Sun Jun 07, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Fidelity study identifies the most successful investors!
Replies: 34
Views: 4632

Re: Fidelity study identifies the most successful investors!

So, what is the typical investment time horizon for dead people?

While I am sure "forever" is a correct response, their heirs, or the state if no heirs, are probably not as patient. How long from death until someone actually moves the money?
by Boglenaut
Fri Jun 05, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Creating a diversified bond portfolio - beyond VG's Total Bond fund
Replies: 16
Views: 1921

Re: Creating a diversified bond portfolio - beyond VG's Total Bond fund

I think it is fine. I have mostly Vanguard Total Bond Market, but have a good dose of Vanguard Intermediate-Term Corporate Bond and the equivelent of Vanguard Inflation-Protected Securities. I do not see any reason to buy Vanguard Total International Bond Market, but it is OK if you do. I used to ha...
by Boglenaut
Fri Jun 05, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: Rebalancing (when in the Mood) - WSj
Replies: 4
Views: 425

Re: Rebalancing (when in the Mood) - WSj

This link works right now: http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CCAQqQIwAA&url=http%3A%2F%2Fblogs.wsj.com%2Ftotalreturn%2F2015%2F06%2F04%2Fportfolio-rebalancing-may-not-pay-off-this-year%2F&ei=D6hxVef5IoOusAW9moCo...
by Boglenaut
Fri Jun 05, 2015 8:28 am
Forum: Investing - Theory, News & General
Topic: Rebalancing (when in the Mood) - WSj
Replies: 4
Views: 425

Rebalancing (when in the Mood) - WSj

It seems to me Jonathan Clements is a big fan of re-balancing to avoid market timing, except when he's in the mood to time the market. http://blogs.wsj.com/totalreturn/2015/06/04/portfolio-rebalancing-may-not-pay-off-this-year/ Portfolio Rebalancing May Not Pay Off This Year Every year, we are remin...
by Boglenaut
Thu Jun 04, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1554

Re: Refrigerator--Buy New or Used

If you leave the place unoccupied for a length of time, you will have problems with your homeowner's insurance. You may want to talk to your insurance agent before deciding.

remember also new refrigerators will use a lot less energy than older ones.
by Boglenaut
Tue Jun 02, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 162
Views: 14593

Re: Free Windows 10 Upgrade, Yes or No?

We will wait and see on this one, assuming our older machine has enough horsepower. We actually use Windows Media Center every few months to watch all our home video on the big screen TV. I even have a remote control for it which was a selling point in 2009. How do we watch home video in the future?...
by Boglenaut
Tue Jun 02, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8093

Re: Four Vanguard International Equity Index changing/broadening indexes

I wish Vanguard would stop changing the character of their funds. When I select a fund for my taxable account, I choose it because it has the holdings I want to have. Then, after unrealized capital gains build up, they change it to something different, and I have no choice but to accept it because ...
by Boglenaut
Tue Jun 02, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Firefox Reader View - Nice!
Replies: 3
Views: 1035

Firefox Reader View - Nice!

I just stumbled into something in Firefox called Reader View. It is wonderful! So many webpages have so much junk I never get to see the article I came to see... surveys scroll out, social media "Like" buttons follow me covering the story, things keep moving around, etc. It was so annoying...
by Boglenaut
Sat May 30, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1683

Re: Anyone Trying to Login to Vanguard?

thriftynick wrote:In the future, you can use: http://www.downforeveryoneorjustme.com/ to help determine if it's your problem or the site's problem.


The site was not down for me, just the ability to log in.
by Boglenaut
Sat May 30, 2015 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1683

Re: Anyone Trying to Login to Vanguard?

jebmke wrote:try clearing the cache on IE. Sometimes it reloads the dead page from the browser cache. Generally not a bad idea to set the browser used for financial transactions to clear the cache when the browser is closed.


I cleared recent history and now I CAN get in.
by Boglenaut
Sat May 30, 2015 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1683

Re: Anyone Trying to Login to Vanguard?

I CANNOT log in. I am using Firefox. When I type my user name, I get secure connect failed message.
by Boglenaut
Wed May 27, 2015 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking to license its ETF patent
Replies: 9
Views: 1491

Re: Vanguard looking to license its ETF patent

Thanks for pointing this out. The link takes me to a different place now. Either way, a Google or DuckDuckGo search of ETF Vanguard Patent searches in the last week will find you stories about this. I first saw it on the Vanguard iPad app for advisers. I am not an adviser, but like to read the news ...
by Boglenaut
Wed May 27, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6826

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

I think you are confused by the meaning of the word "afford". If you are single and making 20K, it is quite affordable. Now you do have financial tradeoffs. So are you willing to make sacrifices? I think at that point it is not simply an economic decision as much as philosophical. What do ...
by Boglenaut
Wed May 27, 2015 1:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking to license its ETF patent
Replies: 9
Views: 1491

Vanguard looking to license its ETF patent

I saw this on a Vanguard site initially, but surprisingly I did not see it on Bogleheads yet: http://www.ft.com/cms/s/0/3e0cc962-ec0c-11e4-b428-00144feab7de.html#axzz3bMiI2xVw "Vanguard is considering letting others in on its exclusive right to offer exchange traded funds as a share class of ex...
by Boglenaut
Mon May 25, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 5439

Re: When is it safe to share financial details with gf, future wife

When is it safe to share financial details with gf, future wife


It is safe when you do not need to ask "Is it safe?".

https://www.youtube.com/watch?v=kzw1_2b-I7A
by Boglenaut
Fri May 15, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6930

Re: Am I a Millionaire???

You are not (yet) a millionaire.
by Boglenaut
Fri May 15, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5659

Re: Why is Vanguard's Web Site So Bad?

Pretty easy to find any Vanguard prospectus using Google search. http://lmgtfy.com/?q=Vanguard+Total+Stock+Market+Index+Fund+Admiral+Shares+Prospectus But what was the change? They e-mailed us to notify us of a change, so we need to re-read the entire prospectus every time? I definitely agree with ...
by Boglenaut
Fri May 15, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5659

Re: Why is Vanguard's Web Site So Bad?

I agree with the OP about those silly e-mail messages from Vanguard telling us there has been a change, then giving us a useless link. They should give us a summary of what the changes were! A notification so vague is NOT a notification, and I have mentioned that problem that on this board as well. ...
by Boglenaut
Wed May 13, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3600

Re: Home Internet - Cat 5e or Cat 6

Five years ago I used to have a coaxial cable bump under the carpet going to the TVs as well. That is long gone. Phone cords disappeared about 10 or 12 years ago, but we still have a plate on the wall in the kitchen. A dummy phone sits there just to cover it. What is it you are plugging in that need...
by Boglenaut
Wed May 13, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3600

Re: Home Internet - Cat 5e or Cat 6

I couldn't even imagine running either Cat 5 or Cat 6. It just seems so 1990's.

I guess we have had better luck with WiFi.
by Boglenaut
Wed May 13, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10611

Re: I Hate Vacations

I traveled enough for work that my idea of vacation is to NOT get on a plane.
by Boglenaut
Sun May 10, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Credit Risk Not Worth It
Replies: 43
Views: 5706

Re: Swedroe: Credit Risk Not Worth It

As if it weren't confusing enough to have Rick Ferri and Larry Swedroe, two people many of us look to for sage counsel, taking polar opposite views on this question, but they are both citing AQR papers as among their core references. Ferri cites this AQR paper: Investing with Style in Corporate Bon...
by Boglenaut
Sun May 10, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 3891

Re: Somebody hit our parked car today!!

I can't believe the person who hit your parked car left their information. They should get a medal. Same thing happened to me, I found the side of my car bashed in - it had been parked on the street in front of the house. The miserable wretch who did it left nothing. Cost me $1000 out of pocket bec...
by Boglenaut
Fri May 08, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35370

Re: much ado about coasting (through life)

How people spend their lives is totally up to them, as long as they do not hurt others and fulfill any responsibilities they have.
by Boglenaut
Fri May 08, 2015 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3386

Re: Buying new car

By the way, here is the Fargo reference (he does say a naughty word at the end):

https://www.youtube.com/watch?v=E5gwc4UizUc
by Boglenaut
Thu May 07, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3386

Re: Buying new car

I went to the TrueCar site today, and they published the results for the week I bought my car. I paid about $700 less than the "Target Price" for that period. When looking at the local market, you can actually tell individual cars within a narrow range. I think one person paid slightly les...
by Boglenaut
Thu May 07, 2015 5:47 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3234

Re: McNabb op ed - possible 8% cash requirement

If all index funds had to hold 8% cash, then they are not index funds anymore. Active funds would also be constrained. It is frightening, but in that scenario a Boglehead would be better off buying 100 individual stocks and sampling from the index. Those with bigger portfolios would be able to sampl...
by Boglenaut
Wed May 06, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3386

Re: Buying new car

Had to start the process all over again. Ended up confirming with the next dealer 3 times that the "OTD" price was the OTD price. It wasn't either. But "only" $200 more than I was quoted, and still pretty close to dealer #1. I hate the dealer system as well. I just bought a Hond...
by Boglenaut
Wed May 06, 2015 1:52 am
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3757

Re: 400lbs, delivery or pick up?

dolphinsaremammals wrote:they leave heavy packages against my outward opening only door.


This is a fire hazard. :shock:
by Boglenaut
Sat May 02, 2015 6:53 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 2013

Re: Telemarketing by Cell /Increase with Consumer Cellular

Someone on the forum suggested NoMoreRobo for landlines. It blocks about 90% of autodialed calls here after about 1 to 3 rings. You could see if they have a cell phone version. I do not own a cell phone. PS - the No Call List list still exists for landlines. The auto-dialers and others just ignore it.

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