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Re: What if I Never Buy a House?

We're all really renting for the most part anyway in the larger scheme of things! Though, of course, you might want to pass ownership of a house on to another generation or a spouse. In a house ownership situation your payments are building up equity, whereas rent payments just go to your landlord a...
by CrossOverGuy
Sat Nov 08, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7554

Re: Turning off automatic suggestions for websites in browse

Thanks very much. It worked! Plus I can turn it on and off if I so desire. :D
by CrossOverGuy
Fri Oct 17, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 383

Turning off automatic suggestions for websites in browser?

I would appreciate if someone could tell me how to turn off automatic suggestions for past websites in Firefox. While sometimes it is helpful to be reminded of past places one has visited, I'm finding it is really very distracting when I'm starting to type in a "c" and have listings for Cn...
by CrossOverGuy
Fri Oct 17, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 383

Re: Value in Diversifying Across Investment Companies?

I think that in a worst case scenario, hearing that say, Vanguard has been hacked and/or you can't log into your account on their website for some reason, you will feel somewhat better if you can still access your Fidelity accounts. Or vice versa. Actually a worst case scenario would be if both were...
by CrossOverGuy
Sun Aug 31, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Value in Diversifying Across Investment Companies?
Replies: 9
Views: 783

Re: International investing. A good call by our mentor.

Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of different countries move up and down somewhat independent of each other. A U.S. investor in 1929 who was wise enough to place 50% in foreign stocks would have needed o...
by CrossOverGuy
Thu Jul 31, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 13060

Re: Memory foam mattresses - any insight?

I bought on two different occasions foam memory pillows at a department store (Lord & Taylor, then Macy's); however, while I was getting used to the feel of them after a while, they had a terrible smell to them. The instructions told me to air them out for a while, and I did for at least a week,...
by CrossOverGuy
Sat Jul 19, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 67
Views: 6583

Re: bogleheads thoughts on renter's insurance?

If you do get renter's insurance, pay a bit extra and get the replacement value option. Otherwise, the insurance company will only pay the depreciated value (or what they think it is) of your property. The replacement value option will pay for what it actually costs to replace your property at today...
by CrossOverGuy
Sat Jul 12, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: bogleheads thoughts on renter's insurance?
Replies: 40
Views: 4850

Re: At what point do munis make sense?

With what banks are paying (like almost nothing), traditionally folks in higher tax brackets have done well in municipal bonds. But there have been times (lately) when even folks in the lowest tax brackets would do better to have some municipal bonds; you could see this by comparing the taxable and ...
by CrossOverGuy
Tue Jun 10, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6299

Re: Favorite guitarist...

Don't forget this one lady: Charo (yes, she of the "cutchi cutchie" fame); she studied with Segovia, and is a very fine classical guitarist.

https://www.youtube.com/watch?v=XmNPXqG6ovg
by CrossOverGuy
Sun Jun 08, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21481

Jonathan Clements and Jason Zweig tv interview on retirement

Here's a link to Mssrs. Clements and Zweig being interviewed by Consuelo Mack about retirement planning. Very interesting, especially since these are two of the best financial writers in the business, and they are quite in the Boglehead tradition. http://www.ritholtz.com/blog/2014/04/on-investing-jo...
by CrossOverGuy
Mon May 19, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements and Jason Zweig tv interview on retirement
Replies: 1
Views: 451

Re: Books for someone who is not that interested

Jonathan Clements' "The Little Book of Main Street Money" - small book packed with great information on investing and other financial and life matters pertaining to personal finance Another nod to Andrew Tobias' "The Only Investment Guide You'll Ever Need" - very funny book as we...
by CrossOverGuy
Wed May 14, 2014 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3887

Can too high a % of market indexing become a liability?

I don't think it's ever going to reach anywhere near 100% of people investing in the stock market totally indexing their money because good ol' greed and fear moves the market while people buying and holding will tend to reap benefits for not panicking and holding on. But since there is a definite m...
by CrossOverGuy
Sun Apr 06, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Can too high a % of market indexing become a liability?
Replies: 9
Views: 1160

Re: Preventing Office Theft of Food and Other Stuff

I once worked for some place where I had brought in some food from a take-out place, ate some and found later in the evening that the remainder was missing from the refrigerator. I walked into a room where a number of people were and announced that it's a shame that someone might have finished my fo...
by CrossOverGuy
Fri Apr 04, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 7702

Re: Buying for someone who "has everything"

A number of books say that experiences (and memories of them) are many times more treasured than possessions. So, depending upon where you are located, I would suggest getting tickets to a great live show or musical performance and/or treat yourself to a great meal in a beautiful restaurant where yo...
by CrossOverGuy
Fri Apr 04, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2875

Re: Friend possibly victim of real estate dual agency

How much of a difference were there between offers?


I think it was about a $50,000 difference between the offers from what my friend says.
by CrossOverGuy
Thu Mar 20, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2785

Friend possibly victim of real estate dual agency

My friend told me that she had recently agreed to sell her co-op in Manhattan for what sounded like a good sum, not long after an open house. However, she mentioned that her real estate broker had pressured her and her husband to accept this one person's offer. However, the agent also mentioned ther...
by CrossOverGuy
Thu Mar 20, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2785

How long to keep papers - conversion or contribut. Roth IRA?

Just wondering for record-keeping purposes for IRS and for when I start actually making withdrawals from my various Roth IRA accounts, how long do I have to keep papers saying I partially converted such amount (or made contributions) to a Roth? I mean, my accounts at the financial institutions like ...
by CrossOverGuy
Wed Feb 26, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep papers - conversion or contribut. Roth IRA?
Replies: 1
Views: 175

Re: Kiplinger's,Money or any other publication.....

I've subscribed to "Money" for a number of years -- one thing I'm happy about is I believe that it led me to the Boglehead's site - first over at Morningstar and then here. You can sometimes get it by redeeming frequent flyer miles; although when my last subscription was expiring, they off...
by CrossOverGuy
Tue Feb 25, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Kiplinger's,Money or any other publication.....
Replies: 10
Views: 1100

Re: The Funniest Movie Ever

I have a whole list of them that I made which I sent to cheer up a relative who was recovering from cancer surgery to watch (he survived). Here are some that haven't been mentioned: Ruthless People - Danny DeVito, Bette Midler The In-Laws (original) - Peter Falk, Alan Arkin Where’s Poppa w/George Se...
by CrossOverGuy
Thu Jan 02, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15629

Re: What to Read After the Bogleheads Guide to Investing?

Jonathan Clements' "The Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money" is a small book with lots of great ideas about investing, saving money and happiness. Mr. Clements was the personal finance columnist at the "Wall Street Journal" for...
by CrossOverGuy
Wed Oct 23, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 2540

Re: Want to cut the cable cord

I'm in NYC. I'm thinking of cutting the cord from Time Warner Cable from their cable tv, but they have just announced that they are raising the rates for standard (highest level) stand-alone internet service to about $55/ month, almost doubling it from what I'm getting as part of my current cable/in...
by CrossOverGuy
Sun Aug 11, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 6591

Re: vanguard total bond versus intermediate bond

The negative convexity of Mortgage Backed Securities in TBM are part of it as well. More derivative than bond, they are a method mortgage bankers use to externalize losses onto investors. When interest rates go up, MBS prices drop like long-term bonds. Down, their prices rise slowly or not at all. ...
by CrossOverGuy
Sun Jul 21, 2013 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: vanguard total bond versus intermediate bond
Replies: 56
Views: 10219

Re: Anybody here own an Endless Pool?

My gym has a fairly small pool; there is an elastic attachment which allows swimmers who want to swim laps continuously without having to keep turning around. You might want to experiment with that contraption at another pool to see if you would be ok or bored with swimming basically in place before...
by CrossOverGuy
Fri Jul 19, 2013 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 9
Views: 2195

Re: [Can you recommend]A spectacular movie, and a terrible m

One of the greatest of all musicals is an early film called "Love Me Tonight" starring Maurice Chevalier, Jeanette McDonald and Myrna Loy, with the first original score for the movies written by Richard Rodgers and Lorenz Hart, with classic songs like "Isn't It Romantic", "L...
by CrossOverGuy
Sat Jul 13, 2013 11:19 am
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 11366

Re: Why does Vanguard show account #s on balance & holding p

I don't trade very much, but I'll take your word for it if something needs to be done in that regard; I'm actually much more of a buy-and-holder, so my whines are more limited in scope. :) Relax, you sound like you could use a glass of wine yourself. It's not a big deal for Vanguard to hide the acco...
by CrossOverGuy
Thu Jul 11, 2013 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard show account #s on balance & holding page?
Replies: 8
Views: 723

Why does Vanguard show account #s on balance & holding page?

I would rather that they express in percentages next to the amount of NAV in dollars and cents how much a fund went up or down that day. In other words, for instance, that Total Stock Index went up $0.20 (+0.10%), etc. rather than just the dollar (or cents) amount without the context of how much of ...
by CrossOverGuy
Thu Jul 11, 2013 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard show account #s on balance & holding page?
Replies: 8
Views: 723

Re: 1929 Crash being a Boglehead?

I think most Bogleheads probably haven't signed up for margin accounts. I think what wiped out a lot of people were margin calls from their brokers telling them to ante up some more money into their accounts to get up to the level agreed upon; since most everything was going down, down, down, the br...
by CrossOverGuy
Wed Jul 03, 2013 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: 1929 Crash being a Boglehead?
Replies: 74
Views: 5573

Re: What do you wish you had learned sooner?

"Wall Street" has a vested interest in making things sound very complicated so they can sell you their services and products at much higher rates than are necessary. You can tell your students that anything that they can't understand isn't worth investing in. They can, with a diversified p...
by CrossOverGuy
Sat Jun 29, 2013 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 13308

Re: WSJ's Zweig: Saving Investors From Themselves

Jason Zweig and Jonathan Clements are my two of my favorite personal finance writers. I have clipped (and now scanned) quite a few of their columns over the years, because they just make a lot of sense and more importantly, seem genuinely interested in helping individual investors. Clements especial...
by CrossOverGuy
Sat Jun 29, 2013 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ's Zweig: Saving Investors From Themselves
Replies: 23
Views: 3660

Is George Zimmer firing = to John Bogle's from Vanguard?

Zimmer was fired the other day from Men's Wearhouse. I realize that Mr. Bogle wasn't quite fired, but he was pretty much ousted from the company he started. It just struck me as I was reading the news that Mr. Bogle came to mind as having gone down this road before.
by CrossOverGuy
Tue Jun 25, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1567

Re: Money Market Account

At this point in time, I would mainly use a money market fund as a way-station for some cash at hand for when I wanted to purchase a stock or bond fund "on sale" (and/or as part of one's asset allocation plan). If you have Prime Money Market at Vanguard, for instance, if you placed your on...
by CrossOverGuy
Tue Jun 25, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 3
Views: 474

Re: Visiting Costa Rica for a week in August

Lots of wonderful places to visit in Costa Rica. I'd say near Manuel Antonio Park, the closest town being Quepos might be a possibility. It's very beautiful with lots monkeys, bird-watching, beaches, and there is sailing nearby, horseback riding; I think you can make arrangements for ziplines and ot...
by CrossOverGuy
Mon Jun 10, 2013 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 1756

Re: Wellington Fund or Total Stock Market Index Fund?

Taylor, I wouldn't discourage this person with all those quotes. Yes, they are correct. But, it's not like he is seeing some fund with a 1, 2, or 5-year record only. Wellington was created right before the 1929 crash and has weathered bull and bear markets and other market crashes. It is indeed acti...
by CrossOverGuy
Mon Jun 10, 2013 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund or Total Stock Market Index Fund?
Replies: 19
Views: 3151

Re: Another look at Jim Cramer's stock picks

Wasn't the character of Bulldog on the tv show "Frasier" based on Jim Cramer to some extent? Even though Bulldog was a sports radio announcer, his on-air tactics and over the top persona, including sound effects, were very similar to Cramer's.
by CrossOverGuy
Fri May 17, 2013 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 4049

Re: Are bitcoins something like internet tulips?

There are at least two previous threads on the topic you should be able to find with a forum search. It doesn't seem likely that a new thread would be useful. I read one of them, and it got a bit more complex than I want to read. I want a simplified version; someone once said something to the effec...
by CrossOverGuy
Fri Apr 19, 2013 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3628

Are bitcoins something like internet tulips?

Could someone please explain what this so-called currency is? What can people supposedly buy with it? It sounds to me like some over-hyped sleight of hand, but it is being discussed more often on some sites. I could be wrong, but my gut feeling says avoid and run away.
by CrossOverGuy
Fri Apr 19, 2013 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Are bitcoins something like internet tulips?
Replies: 62
Views: 3628

Re: [POLL] What would you like Vanguard to change or improve

How about Vanguard match our retirement contributions up to say, 6%? :-) Anything in the organizational structure for or against? :D
by CrossOverGuy
Wed Mar 27, 2013 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 7010

Re: What to do with inheritance money?

Sorry for your loss. I'll only address the part about what to do with IRA money -- especially if it was from a regular IRA, you would want to put that into an Inheritance IRA. Make sure it is a direct transfer from its current place to the new one, and be sure it is titled as ["your name" ...
by CrossOverGuy
Thu Mar 21, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance money?
Replies: 4
Views: 645

Would principal in bond funds be decimated at 1980s rates

I was looking of one of the few charts in Andrew Tobias' excellent book "The Only Investment Guide You'll Ever Need" which shows that prime and other interest rates in the early 1980s (due to apparently rampant inflation) were like 12%-15% or higher. Did they get that high by ever increasi...
by CrossOverGuy
Sun Mar 10, 2013 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would principal in bond funds be decimated at 1980s rates
Replies: 6
Views: 1051

Re: Money Lessons From 'Downton Abbey'

Does anyone know when women were finally allowed to inherit real estate and money in the UK? I don't know if inheriting real estate and other items (like securities and cash) were treated separately. Besides "Downtown Abbey", many famous novels like "Sense and Sensibility" and &q...
by CrossOverGuy
Tue Mar 05, 2013 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Money Lessons From 'Downton Abbey'
Replies: 23
Views: 3213

On-line personal finance course from Rutgers University

This may be somewhat basic in some respects, but it does have some very good ideas on cutting costs, saving money, investing and so forth. You can click on whatever chapter you like, as some clearly cover more advanced topics. I thought you might want to have a look and pass it along it you like. Th...
by CrossOverGuy
Sun Mar 03, 2013 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: On-line personal finance course from Rutgers University
Replies: 0
Views: 330

Re: any boglehead cure for audiophile upgrade-itis?

Play some LPs -- I held on to mine and ones I inherited from my folks. There are turntables for sale, even ones which will convert them to MP3s. The sound is rich and warm (even if they sometimes skip and get stuck); even some new artists are releasing LPs again. With MP3s and other compacted files,...
by CrossOverGuy
Tue Feb 26, 2013 7:43 pm
 
Forum: Personal Consumer Issues
Topic: any boglehead cure for audiophile upgrade-itis?
Replies: 62
Views: 3936

Re: Preserve Delta Skymiles

You can go into the shopping portal of your frequent flier program and buy one I-Tunes song for $1.00

You can order a magazine and that will also reset the expiration date.
by CrossOverGuy
Sun Feb 17, 2013 1:58 am
 
Forum: Personal Consumer Issues
Topic: Preserve Delta Skymiles
Replies: 21
Views: 2260

Not too upset if market goes down on day of dividends etc.

Anyone else think it's actually rather good that the market is down on a day that funds are giving out shares for capital gains, dividends and interest? It always seems like we're getting more shares at a bargain price. Of course, it helps if prices go up in the long run!
by CrossOverGuy
Sat Dec 29, 2012 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not too upset if market goes down on day of dividends etc.
Replies: 1
Views: 322

Re: To go - Family trip to Costa Rica

I've been twice and love Costa Rica. Check out the tours given by caravan.com which are all-inclusive and very affordable. Even if you decide you want to do CR on your own, reading the descriptions of where they go and some of the sights will give you some ideas. The second time I went more or less ...
by CrossOverGuy
Thu Dec 27, 2012 9:01 pm
 
Forum: Personal Consumer Issues
Topic: To go - Family trip to Costa Rica
Replies: 10
Views: 1579

Re: $800 to burn on fitness related expense

You could possibly take dance classes or private dance lessons. Ballroom, swing, and Latin dances could be learned with private lessons; they are hot again as shows like "Dancing with the Stars" are top-rated. Also classes in things like tap dance (which require special shoes), jazz and ot...
by CrossOverGuy
Sat Oct 13, 2012 1:06 pm
 
Forum: Personal Consumer Issues
Topic: $800 to burn on fitness related expense
Replies: 35
Views: 1762

Re: A Gem: "The Only Investment Guide You'll Ever Need"

I think if I ever meet Mr. Tobias, I would love to be able to say to him, "COME OOOOOOONNNNNNNN, WILLOWWWWW" * *Referring to one of his hilarious stories in his book about his bet on a horse-race. It's a really funny and useful book, and it has indeed been updated a bit in the 2011 version.
by CrossOverGuy
Mon Sep 17, 2012 12:29 am
 
Forum: Investing - Theory, News & General
Topic: A Gem: "The Only Investment Guide You'll Ever Need"
Replies: 28
Views: 3873

Re: Problems with Vanguard's New Site

I believe that the display of "Balances and Holdings" is too cluttered now. I don't really see the need to have the fund and account #s of each of the holdings visible. Certainly it should be available if you click on the name of the fund or something like that, but I think having these lo...
by CrossOverGuy
Sat Aug 25, 2012 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Problems with Vanguard's New Site
Replies: 42
Views: 8481

Paperwork to keep re: converted & contributory Roth IRAs

Is is necessary to somehow still differentiate between converted and contributory Roth IRAs? I have paid the taxes on the converted ones, but just wondering about if I need to keep paperwork (or how much of it to keep). For example, do I need to keep some paperwork of another fund company where the ...
by CrossOverGuy
Sun Aug 19, 2012 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperwork to keep re: converted & contributory Roth IRAs
Replies: 1
Views: 316

Re: Foreign film night recommendations.

Some wonderful French films - First, courtesy of Francois Truffaut: The 400 blows (autobiographical film about Truffaut's rough upbringing, but very moving and funny too) Small Change (wonderful film about small children) Day for Night (great film about movie-making) Shoot the Piano Player w Charles...
by CrossOverGuy
Fri Jun 15, 2012 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 111
Views: 5373
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