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Re: Riding the Rails--my Amtrak trip

I've traveled by train up and down the NE corridor several times, and in France on both their local lines and the TGV. I generally prefer train travel to air, and passenger rail works particularly well in a country the size of France. The TGV was posh. The US rail system is built for freight and not...
by Ged
Wed Jul 23, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 31
Views: 2112

Re: A case against Index Funds in India

TLDR: I agree with points #2 and #3, and the fault lies not with the index funds themselves, but with the indices - how they are derived and how frequently the companies therein turnover. A truly broad index will change frequently in order to track its market. However each change will have a small ...
by Ged
Wed Jul 23, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1584

Re: Inheritance: Cash or Investments?

I'd normally prefer cash but there could be extenuating circumstances like some illiquid bonds, REITs etc. that would be best let go to maturity.
by Ged
Wed Jul 23, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance: Cash or Investments?
Replies: 15
Views: 1207

Re: Android smartphone with physical keyboard

The type of keyboard I was referencing in my post were much smaller, about the size of the phone : Those have bad reviews overall in terms of ergonomics, so it seems like they are not a good solution. I have fairly large hands. A keyboard like those would be no better for me than the touch screen. ...
by Ged
Tue Jul 22, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 33
Views: 1262

Re: Android smartphone with physical keyboard

I found a bluetooth keyboard that works for me. I find larger size makes them easier to use. The one I have is battery operated (AAA); it does not need recharging.

http://www.amazon.com/gp/product/B004MMESVY

It does require more space though.
by Ged
Tue Jul 22, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 33
Views: 1262

Re: Help me select a streaming media device

I have a Roku stick. It was part of a bundle with my Oppo BD player. It's a killer combination. For local music play I've got some DLNA stuff.
by Ged
Tue Jul 22, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1642

Re: Hw many credit cards to own?

I had the same bizarre result with Credit Karma. I have 4 cards, one of which I have had for 21 years and the others for 5 or less years. No loans, no mortgage etc. Credit Karma dinged my score for this. Everything else in my rating was perfect. They stated that the average person has about 10 credi...
by Ged
Mon Jul 21, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 68
Views: 3689

Re: Help with Title/Author of Science Fiction Novel

Le Carre is one of my favorites, and the fact I haven't read all of his work is one of the reasons I am not going to read any more Stross for a while at least. Along this path are Graham Greene's 'entertainments'. My wife told me once that she thought he was the greatest living practitioner of the E...
by Ged
Mon Jul 21, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1874

Re: What Book Are You Currently Reading? Part V

I had a crush on Amanda Pays Everyone does. I think she was even more attractive in the movie. If you like this sort of stuff there was a French-Canadian (but English voice) production called ' The Delta State' (animated in rotoscope) about 4 young psychics and a mysterious government agent named B...
by Ged
Sun Jul 20, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3100
Views: 996722

Re: Helping My Grandmother

It sounds to me like your grandmother's problem is that her house is taking more of her income than she can afford. One bout of illness and she would be wiped out. At her income level she may qualify for subsidized housing. Waiting lists are long, however it can be a real boon to someone in your gra...
by Ged
Sun Jul 20, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3099

Re: Help with Title/Author of Science Fiction Novel

Gibson along with LeGuin is one of the few sci-fi authors I've kept up with. This year he is coming back to the fold with a new sf novel, due in October, "The Peripheral". I am a Bogart fan so I've already watched The Big Sleep. You are not the only one to recommend the original to me. I'v...
by Ged
Sun Jul 20, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1874

Re: Help with Title/Author of Science Fiction Novel

Works published in the US before 1964 are in the public domain unless their copyright was renewed. Only about 15% of all works were renewed. Thus a lot of golden age stuff is off copyright. George H Smith I have never run into. George O Smith though - loved the Venus Equilateral stories. This is gre...
by Ged
Sun Jul 20, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1874

Re: How much do you spend on your hobby annually?

I have several hobbies. Of them the most expensive one by far is digital photography, which I spend about $2000 per year on. The expenditures tend to be 'lumpy', that is when a camera I want becomes available I might spend $4K on it.
by Ged
Sat Jul 19, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6934

Re: Help with Title/Author of Science Fiction Novel

His early SF: Slan, Null-A, Weapon Shops of Isher, War Against the Rull , Voyage of the Space Beagle remain to my mind some of the most gripping SF ever written. My personal favourites are the 2 'I Claudius' riffs: Empire of the Atom and Wizard of Linn . I could probably still quote you whole chunk...
by Ged
Sat Jul 19, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1874

Re: Poll - Do You Read Businessweek?

IMHO, the NYTimes is the best. They make a stronger distinction between the opinion and editorial pieces on the one hand (which are generally left-center ideological, excluding Brooks), and the rest of the paper (which by and large is not ideological). The NYTimes articles on markets and business a...
by Ged
Fri Jul 18, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1829

Re: A Romney Problem

livesoft wrote:
Ged wrote:I am delaying my SS and converting a good part of my TIRA to ROTH.

That's before RMDs. If one has to take RMDs, I hope they are not delaying SS anymore.


Yes. But the OP did say he isn't taking RMDs yet.
by Ged
Fri Jul 18, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2005

Re: A Romney Problem

I am delaying my SS and converting a good part of my TIRA to ROTH.
by Ged
Fri Jul 18, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2005

Re: Jeremy Grantham pokes holes in EMH

nisiprius wrote:
They should, but do they?



And if they do will they keep the excess returns attributable to skill, or pass them on to you?
by Ged
Fri Jul 18, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham pokes holes in EMH
Replies: 16
Views: 2139

Re: Is this realtor lying to me?

Boglegrappler wrote:I think homes in NJ are assessed at 70% of "fair market value". What does the town/county assessor think the fair market value is/was at the time of the last assessment?


It's 100%.

http://www.state.nj.us/treasury/taxatio ... nlpt.shtml
by Ged
Fri Jul 18, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this realtor lying to me?
Replies: 27
Views: 3321

Re: Help with Title/Author of Science Fiction Novel

Wikipedia has a summary of sci-fi written with Venus as a setting.

https://en.wikipedia.org/wiki/Venus_in_ ... t_on_Venus

Perhaps this will trigger some ideas.
by Ged
Fri Jul 18, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1874

Re: If you own a car, do you have a car payment?

When I was just starting out back in the 1980's I partly financed one of my cars. Paid it off over a year. I hated making payments. All of the other cars I've owned during my life were cash purchases.
by Ged
Fri Jul 18, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6269

Re: Leo Tolstoy, a Boglehead

#5 and #6 make him not a Boglehead.
by Ged
Thu Jul 17, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Leo Tolstoy, a Boglehead
Replies: 8
Views: 685

Re: Poll - Do You Read Businessweek?

If I was going to subscribe to a business magazine it would be The Economist. One of the few really literate publications left.
by Ged
Thu Jul 17, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1829

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

I wish I had known about these methods 30 years ago. Not only have they improved my results, but they've reduced my worry about whether I'm using best practices for managing my investments.

When you are doing this for not only yourself but your family it takes on a much greater meaning.
by Ged
Thu Jul 17, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6484

Re: What Book Are You Currently Reading? Part V

There are about 3 different versions of MH: a movie, a one off TV show, an 8 part TV show (cancelled). This was before the days of HBO when a show could be 'nurtured'. The 8 part series (with Matt Frewer as both the reporter and Max Headroom) was brilliant-- particularly their jealous love rivalry ...
by Ged
Thu Jul 17, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3100
Views: 996722

Re: Living on Dividends

At this point is your life two things are important:

1. Savings Rate.
2. Avoid Large Mistakes i.e. engaging in a Ponzi scheme.

Details on things like how you will realize your income - you have a LONG time to figure out how to do best do that.
by Ged
Wed Jul 16, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 16
Views: 3559

Re: POLL: Do you have a dedicated REIT allocation?

I have about 6% of equities in REITS divided 50/50 between VNQ and VNQI, basically because of Larry Swedroe's book on Alternative Investments (I figure this book was worth 6 figures to me). I added them during the 2008 crash and have been selling them ever since to keep their allocation in line. I m...
by Ged
Wed Jul 16, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6878

Re: boglehead botanists...is this poison ivy?

Bonnan wrote:No, that is definitely not poison ivy...............it might be nettle which is very irritating to the skin.


+1. I looked at some more pictures and I'd say there is a good chance this is a nettle, which would explain your reaction to it.
by Ged
Tue Jul 15, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2440

Re: New Investor with Class A fund blues

Northstar is a non-traded REIT. Getting rid of it may be painful.

IMHO these should be illegal to sell to non-accredited investors.

http://www.finra.org/investors/protecty ... ts/p124232
by Ged
Tue Jul 15, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2034

Re: What To Do During A Correction In Stocks?

I'm 29 and also have 100% in admiral index shares, if I were to exchange (re-balance?) to say 60% stocks/40% bonds, will there be tax consequences like as if I sold the stocks or is it just transferring the funds from admiral stocks to bonds. Also, what bonds from vanguard would you recommend to ho...
by Ged
Tue Jul 15, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3661

Re: boglehead botanists...is this poison ivy?

Not poison ivy.

Poison ivy does not have serrated leaf edges.
by Ged
Tue Jul 15, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2440

Re: How do negative stock PEs affect index avg PE?

Add up all the earnings both pos and neg. Then divide by capitalization total over the earnings period.

It's how you get occasional negative PE's for say the S&P like we had in 2008 Q4.

For individual stocks negative PEs are usually not reported.
by Ged
Mon Jul 14, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: How do negative stock PEs affect index avg PE?
Replies: 8
Views: 885

Re: A question for the Bogleladies or those who can consult

There are guys working at Victoria's Secret to help you. I think the idea is that you buy something, gift it to her, then she goes to the store to return it and gets what she wants or needs. I tried a Victoria's Secret gift card. My wife returned it to me unused. Really that place is designed for a...
by Ged
Mon Jul 14, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5322

Re: Investing is starting to get boring

The next time the market really drops you won't be bored. Meanwhile chill.
by Ged
Mon Jul 14, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3842

Re: Neighbor's ugly overgrown bushes and fence

If I was bothered by a fence I'd either put up my own or work out a deal to tear down the old one. I'd also offer to prune the bushes if they bothered me. I think your neighbor feels that the bushes don't bother him so why should he do anything? Our backside neighbor also had a deteriorating fence. ...
by Ged
Mon Jul 14, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3196

Re: In a crash, will you re-balance to maintain your target

During the last crash I rebalanced using a DCA approach. But both I and my wife were working and investing a lot. With the rebound the gains were really good, and it led to me retiring a couple of years earlier than I had planned. However now that I'm retired I'm not accumulating any more. I really ...
by Ged
Mon Jul 14, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4116

Re: Looking to buy a quality scanner

The Brother ADS-2000 seems to be slightly more expensive (+$20) than the Fujitsu model I'm looking at, but that's not so significant. The main issue is its size; it looks way too big for my place. I'd like something small that I can put away when I'm not using it. I didn't realize that the ScanSnap...
by Ged
Sun Jul 13, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 48
Views: 2853

Re: Looking to buy a quality scanner

The Brother ADS-2000 is less expensive with a feature set similar to the ScanSnap.

The ScanSnap has one limitation that I think is significant - it doesn't support TWAIN.

I would never scan personal documents to the cloud.
by Ged
Sun Jul 13, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 48
Views: 2853

Re: Birthday gift for a 10 year old girl

I'd not buy a gaming console for a 10 year old. An ipod is ok as music is something children enjoy but there is much less likelihood of it monopolizing their time. I'd also look for other things like the gifts suggested by fatbrain for a 10 year old girl. https://www.fatbraintoys.com/toys/toys_by_ag...
by Ged
Sun Jul 13, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1432

Re: POLL: Walmart vs Amazon

I generally prefer Amazon for the convenience. However there are a few items that are not practical to purchase from Amazon. For those I have a set of alternatives: 1. EBay for things too small, specialized or cheap for Amazon to do effectively. For example unusual batteries and odd specialty items....
by Ged
Sat Jul 12, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7967

Re: Who else hates choosing a car?

I regard desire for fancy cars as one of great triumphs of the marketing industry. Really I think if you went out and actually bought one you'd be suffering from buyer's remorse in short order. Do you want to be :oops: I spent $50K on a CAR? (Not including insurance etc.). I can see wanting in car e...
by Ged
Sat Jul 12, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6283

Re: Engineer career change

No. That would include statisticians, or construction people. It's overly broad. Engineering is the application of physics to solve problems. Full stop. This encompasses chemical reactions, electrical phenomena, force, fluid flow, etc. It does NOT include someone who writes a better sort function. ...
by Ged
Fri Jul 11, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5395

Re: Repair or replace old Taurus?

It seems to me that this is a toss up. It would depend on how many miles you plan to put on it over the next 3 years. If it's for a daily commute of 45 min or so I'd go for another car. If it's not being used for commuting I'd probably try repairing it.
by Ged
Fri Jul 11, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2719

Re: Engineer career change

I transitioned from an R&D position in the chemical industry (large multinational company) into software engineering at a small company. My experience was the compensation to effort level in software engineering was significantly higher once I gained some experience. Maybe you can try a smaller ...
by Ged
Thu Jul 10, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5395

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

This is about swapping credit quality for returns.

MEH.
by Ged
Thu Jul 10, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6337

Re: Windows 7 free support will be ending in 2015

I am sure that Win 9 will be out before 2020. Maybe even Win 10.

No need to contaminate my life with Win 8.
by Ged
Wed Jul 09, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2185

Re: What Book Are You Currently Reading? Part V

I've started Rock Atkinson's The Guns at Last Light after reading the first two books of the trilogy. I really like the description in these books. Rick really has a flair for it. The narrative is perhaps a bit weaker but none the less the detail is appreciated. It makes for a bit of a slog at times...
by Ged
Wed Jul 09, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3100
Views: 996722

Re: Light Bulb Durability

FWIW that piece seems a bit over the top, especially as it comes from Scientific Americans. They take LEDs to task because they contain copper. Well duh, guess how much more copper there is in the power lines to those LEDs, never mind in the plumbing that brings drinking water to your kitchen tap. ...
by Ged
Wed Jul 09, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4411

Re: What our company's 401k Advisor said about 1.5% Fees

The problem with the 4% match is that it's on just that year's contribution but the AUM fees are on the total AUM. Every year.

So say after 10 years your are loosing the equivalent of 15% of one year's contribution to fees. If not more due to other fees on the plan.
by Ged
Wed Jul 09, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 113
Views: 14868

Re: Extremely Heavy Duty Office Chair

I personally like Steelcase Leap chairs better than Aeron. I have one now that is 12 years old is in great condition. The price is similar to that of Aeron.

You can get very good deals on EBay for refurbished Aeron or Leap considerably less than retail. I've purchased 4 Leap chairs that way.
by Ged
Wed Jul 09, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1762
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