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Re: time off for interview

Seems to me that it leaves a good impression on your future employer if you treat your current employer with respect. By that I mean, a decent future employer will understand and think favorably if you point out that you need to schedule your interview at a time that won't conflict with your current...
by Harold
Fri Apr 18, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 11
Views: 1110

Re: *poor* Bogleheads

My sense is that self-selection and the natural tendency of people to brag/exaggerate is coming into play to form your perception. I don't need to look much beyond the sheer volume of "managing debt" posts to realize that people aren't wallowing in wealth (or at least aren't as financially...
by Harold
Fri Apr 18, 2014 9:34 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 4683

Re: What % of stock market "drive" is gambling?

The most gambling/speculation occurs in assets with no or negative intrinsic/expected value (casino gambling) This is an interesting quote for two reasons. First, because it's the way most people would see it. Second, because it prompts a thoughtful person to explore a couple of expected value conc...
by Harold
Sun Apr 13, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 36
Views: 3311

Re: If Social Security wasn't mandatory, would you contribut

If Social Security was optional, disregarding the impact that would have on it working, would you contribute the 6.2% (up to annual maximum) of your salary? In other words, given what you annually contribute, the length of time you pay into it, your benefit at age 62-70, and the $ amount of your be...
by Harold
Sun Apr 13, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: If Social Security wasn't mandatory, would you contribute?
Replies: 9
Views: 751

Re: Bond Allocation with 6.8% Student Loans

DaneSF wrote:Do people on here agree with this?

Yes, absolutely.
by Harold
Wed Apr 09, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation with 6.8% Student Loans
Replies: 12
Views: 800

Re: Why pay off your house?

For a decision involving such a significant portion of most individual's assets, it's quite remarkable how scattershot and undisciplined people are when deliberating over their mortgages. Each one of these threads makes it seem like an extraordinarily complex decision involving making assumptions ab...
by Harold
Sun Apr 06, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8456

Re: Replacement for Windows XP Computer

I'm sure it's going to take me a while to discover everything new that's out there Peter, but as I do I'll certainly try it (and freely abandon my old way if needed). About tj's Office question, I'm sure there's someone far more knowledgeable than me to help. I suspect I'm going to be doing a lot mo...
by Harold
Sun Apr 06, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: How to account for an annuity ?

We just bought an annuity for $300,000.00 and in my software, my net worth went down by that amount. Hmmm, says I, that's not right so let's fix it. I know what I did to account for it and I would like to see what others are doing if anything. I have the $300,000.00 in a separate account and I redu...
by Harold
Sat Apr 05, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1854

Re: Replacement for Windows XP Computer

Have had the new computer for several days now. It's certainly much snappier and more responsive. A really good choice, and it starts up in 15 seconds -- which is faster than I think I've ever seen. But what really prompted me to post though is that Windows 8.1 is fantastic. It's like having a whole...
by Harold
Sat Apr 05, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Urge to buy a house every rent increase

Here’s a mode of thinking to get yourself in a calmer more Zen frame of mind. Everyone purchasing housing (whether renting or buying) pays rent, and everyone is subject to inflation. The renter sees the inflation in his rent increases (except those under rent control) and a future rent increase assu...
by Harold
Thu Apr 03, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1478

Re: Pay Off Mortgage

I don't get it. Home equity is pretty much a misnomer. He owns a home, he has a mortgage, and he has cash that could pay the mortgage. The home asset is what it is; he owns the whole thing whether he's got the mortgage or not. His choice is whether to keep making payments on a mortgage (with the in...
by Harold
Wed Apr 02, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3782

Re: Pay Off Mortgage

When I take money out of my left pocket and put it in my right pocket, I don't feel richer. If my left pocket has a hole in it, so my money's continuously draining out, and if I've got my right pocket open with people willing to drop money into it (unfortunately at less of a rate than the money's d...
by Harold
Wed Apr 02, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3782

Re: Deleted Thread?

Could be that they got a complaint and set it aside for moderator review.

Either that or LadyGeek’s a full-time college student doing her best to balance studying and moderating a financial forum – and got fed up with her dad complaining about her.
by Harold
Mon Mar 31, 2014 6:01 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 827

Re: Replacement for Windows XP Computer

Right, I was even thinking as I typed that it was like someone in Minnesota who needed to replace a furnace in the middle of the winter. Probably had no interest in doing it, but had to nevertheless. (And the microwave was similar.) I briefly considered the Linux route, but as I was looking into wha...
by Harold
Sat Mar 29, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

paradox of choice This was a bit different than most choices though. I had no real interest in getting a new machine (and have even less of an interest in shopping in general). But the Microsoft expiration date forced me to evaluate options and make a choice (and it pretty much had to be right arou...
by Harold
Sat Mar 29, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

Well, frankly I got tired of thinking about this. So I went ahead and ordered an Acer Aspire ATC-605-UR14. Since it's overkill, maybe I'll quit my job and take up gaming for the next few years until technology catches up. I'll make my next post about buying a $400 toaster, because you know - I can't...
by Harold
Sat Mar 29, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

I totally know what you mean Norbert. I also know myself though. I bought the existing computer in 2003, for like $1,200 with whatever the latest stuff was so I could keep it for a while without making any changes. From that point on, I'd pretty much live with it good or bad until it absolutely no l...
by Harold
Sat Mar 29, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Will this affect your Tipping? [Suggested Tip Amounts]

hit "no tip" — and feel like a jerk You are letting technology intimidate you! Comeonman! Grow a pair. Making your own decision does not make you a jerk. As someone who generally has no issues with being "embarrassed" about doing what I think is right regardless of societal pres...
by Harold
Sat Mar 29, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7548

Re: What makes a boglehead different

Sometimes immediate consumption is immensely gratifying.

I used the word "necessarily" to indicate that gratification can occur without consumption, and consumption does not always lead to gratification.

It seems many people live their whole lives without realizing that.
by Harold
Sat Mar 29, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What makes a boglehead different [Behavior of saving]
Replies: 36
Views: 2406

Re: Replacement for Windows XP Computer

In case anyone can translate on the sound/graphics, this is what I'm now considering: 4th Generation Intel® Core™ i7-4770 processor 3.4GHz with Turbo Boost Technology up to 3.9GHz Windows 8.1 1TB 7200RPM SATA3 Hard Drive 12GB DDR3 Memory Intel® HD Graphics Digital Media Card Reader -Secure Digital™ ...
by Harold
Sat Mar 29, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

Paying $50 or $100 more for an i7 processor won't kill you Found one that's perfect, but it's more like $200 more, which certainly won't kill me -- but I'll shop around on price. Have no idea about sound/graphics cards, but at that level I'm sure I'll be quite satisfied with whatever the computer c...
by Harold
Sat Mar 29, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

Okay thanks. Exactly the kind of feedback I was looking for.

I had created a "minimum spec" template, since I'm not a hardcore computer user and didn't want to overbuy. But I don't have any real budget limitation, so I can certainly get the i7.
by Harold
Sat Mar 29, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: What makes a boglehead different

It's more a recognition that immediate consumption isn't necessarily gratifying.

Once one recognizes that, one seeking gratification doesn't immediately consume to do so.

By not immediately consuming everything, he is deferring consumption -- that is (by definition) saving.
by Harold
Sat Mar 29, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What makes a boglehead different [Behavior of saving]
Replies: 36
Views: 2406

Re: Replacement for Windows XP Computer

I've read and appreciated all the responses. Thank you for that. I'm leaning towards pushing the button this morning and getting the following: Acer Aspire ATC-605-UR13 Desktop PC Intel Core i5 4440 (3.10GHz) 10GB DDR3 1TB HDD Capacity Windows 8.1 -- for $559.99. If any of you scream NO! I may recon...
by Harold
Sat Mar 29, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

To be honest, I'd probably be fine no matter what operating system I use. I'm pretty adaptable. My work computer has Windows 7, and though it's obviously different than Windows XP -- I pretty seamlessly move from one to the other. I'm not one of those who needs to have everything laid out a certain ...
by Harold
Thu Mar 20, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Why did Bond Funds take a beating...

?, ?, ?, and ? You wouldn't have had question marks if you realized that interest rates don't set bond prices -- bond prices set interest rates. The Fed apparently (I didn't listen to the announcement) said they were adjusting their policy in a way that changed the supply of cash at some point in t...
by Harold
Thu Mar 20, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Why did Bond Funds take a beating...
Replies: 39
Views: 3567

Re: Replacement for Windows XP Computer

Thanks everyone. I have a much better idea what to look for now. One thing I'm still thinking over. One of the recommendations I've seen is to get "64-bit Windows 7 Pro with a Windows 8 disk". If I did so, that would seem to bridge the Windows 7/8 divide. Could any of you give any insight ...
by Harold
Wed Mar 19, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

Thanks for the comments. Looks like I need to put some more thought into whether something like the OptiPlex 3010 is appropriate, or whether to go up to something like the OptiPlex 7010 (or the HP Envy 700, which is what the specs above are for, which may be more for gaming or more intense usage tha...
by Harold
Tue Mar 18, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Replacement for Windows XP Computer

Thanks to each of you. From a quick look, I'm seeing one with the specs below. I'll put some more thought into price and educating myself a bit more, but this gives me a good start. Operating system - Windows 7 Home Premium 64 Processor - 4th Generation Intel® Core™ i7-4770 processor quad-core [3.4G...
by Harold
Tue Mar 18, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Replacement for Windows XP Computer

There seem to be knowledgeable people really into computers here, and I’m sure I’m not the only one using a perfectly fine Windows XP computer who is feeling forced into buying a new one. My preference is to buy a top of the line computer, so it won’t feel quickly outdated. (Presumably, I’d still be...
by Harold
Tue Mar 18, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4151

Re: Current Carry Cost of my home

To complete the picture, you should add back the rent for equivalent housing that you don't have to pay. And the money you are giving up by having $281k sitting in the house rather than in the market. The easier way to tie these two observations together is to note that a home generates rental inco...
by Harold
Mon Mar 17, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Current Carry Cost of my home
Replies: 23
Views: 1482

Re: Help me run my company's pension plan

Since I see a couple unanswered questions (as well as people going off on tangents) let me give a couple of comments addressed at the core of the original question. There is no legal requirement for the plan to have investment advisors. However, you would want to put serious thought into whether exp...
by Harold
Mon Mar 17, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me run my company's pension plan
Replies: 35
Views: 2141

Re: Help me run my company's pension plan

This could require that the plan have an investment return that exceeds the rate of 10 year treasures by a factor of 2. This isn't really right, or is at the least misleading. Investment return isn't part of a legislated funding requirement. The returns on plan assets will dictate whether future fu...
by Harold
Sat Mar 15, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me run my company's pension plan
Replies: 35
Views: 2141

Re: Help me run my company's pension plan

Here's how to view the financial economics of your firm's pension plan, from the perspective of an actuary: 1) Your firm, or better put the partners of your firm, have a certain desired overall risk level. 2) When seeking to fill the risk budget (that is, to take the amount of risk desired -- and no...
by Harold
Fri Mar 14, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me run my company's pension plan
Replies: 35
Views: 2141

Re: Cousin's Wedding

If you resent paying that much, or can't afford to pay that much -- then don't pay that much. It's really that simple. If you care about the couple, make a gesture demonstrating that. A thoughtful gift demonstrating love and caring to them doesn't necessarily have to be painfully expensive, and coul...
by Harold
Fri Mar 14, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 3558

Re: How did you get through the market crash in 08-09

For options 2 and 3, what's the point of selling after it's gone down? Because it could go down more. People whose life's savings had dwindled away couldn't necessarily withstand that. We were facing a financial crisis of great depression proportions, and absolutely nobody knew that stock prices wo...
by Harold
Sun Mar 09, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5435

Re: How did you get through the market crash in 08-09

Whether willing to admit it now or not, even the most diehard investors felt a variant between 2 and 3. Let's call it 2.5.

(2.5) The financial world as I knew it might be ending, but I can't do anything about it, so I'm going to hang on to my shares and hope for the best.
by Harold
Sun Mar 09, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5435

Re: House as an inflation hedge?

Imagine having a fixed priced 30 year mortgage at 3% and short and long-term rates are more than double than that (or more). That's what the "pay your mortgage off" crowd here always ignores. They wrongfully assume that interest rates will remain low forever. Well forever (and even a few ...
by Harold
Sun Mar 09, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: House as an inflation hedge?
Replies: 12
Views: 847

Re: Stocks that Don't Pay Dividends - Greater Fool Driven?

There are a couple of fundamental observations to be made: 1) No matter how complex investing may seem, it ultimately comes down to an investor handing over current cash in exchange for a future cashflow. 2) For a stock investor, that current cash is exchanged for future dividends (or sale of stock,...
by Harold
Sat Mar 01, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Stocks that Don't Pay Dividends - Greater Fool Driven?
Replies: 73
Views: 4283

Re: Why Own Bonds at All?

Your argument applies equally to conclusions about the virtues of bonds as it does to conclusions about the virtues of stocks. You are of course mistaken. However, I am also mistaken -- I had presumed you were actually asking a question. (The question mark threw me off.) Now that I realize you were...
by Harold
Sat Feb 08, 2014 12:48 am
 
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 28285

Re: Bitcoin

greg24 wrote:
Watty wrote:I would love to see a hidden video of someone actually trying to use bitcoin at a place like Subway.


Someone actually has done this. And only had to drive two hours to prove the doubters wrong.

http://www.youtube.com/watch?v=zWsd1WwhhNg

This was pretty interesting.
by Harold
Fri Feb 07, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 34
Views: 2368

Re: Bitcoin price plunges

I think it's more the customer that has to worry about the fluctuating value or exchange rate of a bitcoin Yeah, when I started thinking more about this it seemed more and more like when I'm in a foreign country using a credit card. I'd already done my research about the credit card company having ...
by Harold
Fri Feb 07, 2014 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Why Own Bonds at All?

What is wrong with this analysis? It relies solely on historical data. History may not repeat itself (particularly over your investing horizon). Bonds are dimensionally less risky than stocks, and aren't exposed to the magnitude of losses that stocks are exposed to. You could get a big payoff by go...
by Harold
Fri Feb 07, 2014 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 28285

Re: Bitcoin

Thanks everyone. I now understand Bitcoin a lot better. Still don't know whether we're in a new currency era or not -- but apparently nobody else does either. (And though I understand the Subway shops would use Bitpay, I still don't know how they set their prices without Bitcoin having a stable pric...
by Harold
Mon Feb 03, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 34
Views: 2368

Re: Bitcoin

I just skimmed the article and the author seems like he's really trying to hype bitcoin. Here's a good video explaining the pros and cons of bitcoin - http://m.youtube.com/watch?v=SNssKmeXrGs That was really interesting. Didn't think I'd watch an hourlong video - but I did! One question I had while...
by Harold
Mon Feb 03, 2014 1:15 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 34
Views: 2368

Re: Bitcoin

ResearchMed wrote:Why is "Bitcoin" immune to this type of problem?

Looks like in a Bitcoin transaction, the "coin", identifying features and all, is completely transferred to the other user. There is never a facsimile -- there's only one.

Interesting idea, if it works.
by Harold
Sun Feb 02, 2014 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 34
Views: 2368

Re: Bitcoin

sweep the leg wrote:I think Andreesen is a big bitcoin investor

Yeah, I figured that was his motivation for writing it. But he did make what seemed to be plausible points, and I don't know enough to know how flawed they are.
by Harold
Sun Feb 02, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 34
Views: 2368

Bitcoin

I came across a blog entry by Marc Andreesen (a World Wide Web pioneer) that made me wonder whether Bitcoin is representing a fundamental change, rather than merely a flash in the pan fad. A couple of things I hadn't realized were that Bitcoin represented a solution of a computer science problem abo...
by Harold
Sun Feb 02, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 34
Views: 2368

Re: Help understanding my pension plan

Pensions can change anyway the government wants the them to change It's not this straightforward. Governments are subject to law just like anyone else. The aspects of state pensions that are protected by law can't be changed at government's whim. What those aspects are depend on the state and the i...
by Harold
Sun Feb 02, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help understanding my pension plan
Replies: 10
Views: 746

Re: Market timing when combining investing and paying down d

:?: I thought a mortgage is a negative bond, so if you have one you should increase bonds in your investment Asset Allocation. :wink: Even though they're not explicitly stating it, virtually every post here is about maintaining leverage to increase risk (an inefficient way of taking on risk because...
by Harold
Sun Feb 02, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing when combining investing and paying down debt
Replies: 22
Views: 1072
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