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Re: Do you see profit or ponzi?

Agree with all others above. Don’t invest in this. In addition to what others said I found this statement interesting: “The Portfolio invests in financial instruments whose value is derived from the value of an underlying asset, interest rate or index.” He is investing in derivatives, but said no op...
by Higman
Thu Jun 19, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 100
Views: 7144

Re: A riddle about "attributing" gains.

I have a minor quibble with those that say Cappy and Divvi contributed equally. While it’s true they each contributed equally as a percentage (3.5625%) during their half year it is Divvi who contributes more in total return. Since Divvi invests in the second half of the year she always has a larger ...
by Higman
Wed May 07, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: A riddle about "attributing" gains.
Replies: 44
Views: 3359

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

checkout : //www.hondapowerequipment.com/faq and look for the question "Does it matter which direction I mow?" Basically Honda recommends mowing in a rectangular patter from the outside in. Furthermore they recommend going in a counterclockwise rotation if mulching and clockwise for baggin...
by Higman
Sun May 04, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 8639

Re: New Housing Bubble and upcoming cycle peak

Garland, A friend just sold a house to someone who did get 110% financing from the Navy Federal Credit Union. This indeed is a bad sign. Going back to the old ways.
by Higman
Sat May 03, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 81
Views: 8692

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I’ve used the HRX217HXA model for the past three years. The dual blade system is excellent for mulching. I’ve mowed up to 7 inch tall grass without any clumping. My grass is mostly tall fescue with some bluegrass. On occasion this mower does leave a 2 inch wide strip but only when I mow very damp gr...
by Higman
Mon Apr 28, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 8639

Re: Credit card chip upgrade good idea??

How much upside depends on whether the new card is "chip+signature" or "chip+pin". Thanks oxothuk. I recently recieved a chip+pin from USAA but only a chip+signature from Citibank. I called Citibank and all they said was there is no pin. I didn't realize there were two types unt...
by Higman
Mon Mar 03, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Credit card chip upgrade good idea??
Replies: 45
Views: 1596

Re: Attention Apple Users-Possible Security Issues

Install iOS 7.0.6 on the iPhones. This fixes an SSL security issue.
by Higman
Mon Feb 24, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1310

Re: The Final, Definitive Thread on Dollar-Cost Averaging

LOL! So it’s settled then – Value Averaging beats Dollar Cost Averaging! :twisted:
by Higman
Sat Feb 01, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Dollar-Cost Averaging
Replies: 101
Views: 7022

Re: Biggest regrets in your life in financial investment?

My biggest regret was listening to two talking heads on TV who were timing the market. They, in 1995, said the DJIA of 4,000 was way over-priced. So I got out of the market. Three years later I got back in when the DJIA was over 8,000! Never do market timing nor listen to any “guru”. Pick an AA and ...
by Higman
Thu Jan 16, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7905

Re: King sized mattress recommendation?

Look at this web site. It discusses all aspects of picking a mattress:

http://www.themattressunderground.com/
by Higman
Sat Jan 04, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 5317

Re: Lacking cost basis information of stock

The PPL Corporation web site has a link to dividend history that goes back to August 1987. Call their stockholder relations department and they may be able to go back further for you.
by Higman
Thu Dec 26, 2013 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Lacking cost basis information of stock
Replies: 5
Views: 291

Re: Target Credit/Debit Card Hacks - what to do?

I cancelled my CC at Citi Bank last night. They will send me a new one overnight with a different account number. The rep said they would have done this proactively for anyone who had Target charges during the reported dates. It took about 12 minutes on hold to get a rep. I suppose this hack report ...
by Higman
Fri Dec 20, 2013 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target Credit/Debit Card Hacks - what to do?
Replies: 94
Views: 6544

Re: Any advice on recent identity theft?

Were you a Target customer? They got hacked and 40 million cc and debit card accounts were compromised between Nov. 27th and Dec 15th.

http://www.businessinsider.com/target-i ... z2nxc9rC4g
by Higman
Thu Dec 19, 2013 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any advice on recent identity theft?
Replies: 13
Views: 840

Re: Fool's Gold

Larry, A statement in your article brought back memories of my former stock broker especially: “…when prices are low — you would think investors who were buying gold at $1,900 should certainly welcome the opportunity to buy at $1,230 — if you liked it at $1,900, you should love it at $1,230! He woul...
by Higman
Thu Dec 19, 2013 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 4207

Re: Optimizing Asset Location: Is It Worth the Effort?

Mike,
Two other potential benefits of keeping stocks in the taxable account over bonds are 1.) greater tax loss harvesting and 2.) greater stepped up tax basis for heirs.
by Higman
Tue Dec 17, 2013 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Optimizing Asset Location: Is It Worth the Effort?
Replies: 11
Views: 1153

Re: Tactical Flashlight for long walks at night vs. pepper s

I would recommend carrying a Class IIIa green laser pointer. They are the size of a fountain pen. These are used by astronomy buffs to point to stars. There are very powerful and will temporarily blind an assailant and painfully so.
by Higman
Mon Dec 02, 2013 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4956

Re: What to do about Ivy growing up a tree

It may be Kudzu vines. They will eventually smother the trees. Google it and see the damage they can cause. I would cut the vines at ground level and let them rot off the trees.
by Higman
Fri Nov 29, 2013 1:27 pm
 
Forum: Personal Consumer Issues
Topic: What to do about Ivy growing up a tree
Replies: 21
Views: 1018

Re: Hypothetical: Vanguard account stolen

One of the security conditions required by Vanguard is: “Review your accounts regularly. Check your account frequently . Promptly and completely review all information we send you.” Unfortunately they do not specify how frequently. They could indeed deny responsibility if you only log in every six m...
by Higman
Wed Nov 27, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Hypothetical: Vanguard account stolen
Replies: 20
Views: 1745

Re: Basements part of home square footage?

In my town the finished part of the basement is included in the total square footage for real estate tax purposes. However, the dimensions of the basement rooms are measured between the interior walls whereas the upper floor is measured from the exterior of the walls. Basically they don’t count the ...
by Higman
Wed Oct 23, 2013 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Basements part of home square footage?
Replies: 21
Views: 1791

Re: Attempted Hack on my Vanguard Accounts

Rkhusky – thanks for the tip on flash cookies. I didn’t know anything about their existence. And yes, I see vanguard.com in the list of local shared objects. I would recommend everyone check their systems. I do routinely run Ccleaner and it defaults to cleaning Adobe flash player file. However I did...
by Higman
Wed Oct 23, 2013 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Attempted Hack on my Vanguard Accounts
Replies: 33
Views: 5813

Charlie Ellis's Investment Letter to his Grandchildren

The October issue of the AAII Journal has a good article written by Charles Ellis. He essentially espouses the Bogleheads philosophy but does recommend a very stock heavy portfolio until the age of 50.

http://www.aaii.com/journal/article/my- ... ndchildren
by Higman
Tue Oct 22, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Charlie Ellis's Investment Letter to his Grandchildren
Replies: 2
Views: 906

Re: Did I fall for a Term Life Insurance bait and switch?

It looks like you bought a Universal Life policy. See:

http://www.capmar.com/attachments/artic ... m%20UL.pdf

Your premiums may skyrocket in later years. Be careful.
by Higman
Mon Sep 09, 2013 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I fall for a Term Life Insurance bait and switch?
Replies: 7
Views: 847

Re: Investing off the radar - beating the Bozos

What about buying some condos in Damascus? Or perhaps Kabul?
by Higman
Mon Sep 02, 2013 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Investing off the radar - beating the Bozos
Replies: 34
Views: 3038

Re: Passwords: Part III

oaksavannah - If you want feedback on Dashline I suggest you read all 266 comments posted on the website you referenced. Some are good but many are bad. Buyer be ware even though it is free.
by Higman
Sun Sep 01, 2013 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Passwords: Part III
Replies: 24
Views: 2389

Re: Choice Of Weapon For Personal Home Self Defense

We have handguns in the house and for anyone who has never fired a 12 gauge, it is worth a look. About 10 secs. of commercial. No political message intended. http://www.youtube.com/watch?v=Ia4csoQLvGY Great video. Very funny. However when I tried to e-mail this youtube link to some friends they nev...
by Higman
Mon Aug 26, 2013 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5997

Re: Buy a new Windows 8 disc to clear Dell's bloat

Modern PCs have enough hard drive capacity (1TB) that any bloatware will occupy only a fraction of the HD. The only real impact is that many start up automatically and occupy RAM and some CPU cycles as well as contacting home web sites for updates. If you don’t want to bother deleting the bloatware ...
by Higman
Fri Aug 09, 2013 9:50 am
 
Forum: Personal Consumer Issues
Topic: Buy a new Windows 8 disc to clear Dell's bloat
Replies: 33
Views: 3219

Re: The "Lost Decade" and Long-Term Real Stock Returns

The lost decade was lost only if you were 100% stock. Rick Ferri analyzes the returns using some asset allocation models:

http://www.forbes.com/2010/01/05/stocks ... ferri.html
by Higman
Sat Aug 03, 2013 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: The "Lost Decade" and Long-Term Real Stock Returns
Replies: 32
Views: 3362

Re: Do you need bonds if you're ultra-wealthy?

As Larry Swedroe would say: “Do Not Take More Risk Than You Have the Ability, Willingness, or Need to Take.” If you’ve already won the game then why play. Other than legacy concerns I would assume someone in the financial position described would be all into real estate, government bonds and cash an...
by Higman
Fri Aug 02, 2013 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need bonds if you're ultra-wealthy?
Replies: 43
Views: 2647

Consumer Reports references Bogleheads.org

The latest issue of Consumer Reports (September 2013) references this web site in their article on avoiding costly 401K fees. Glad to see some national recognition of this superb site and its contributors. Thanks to all.
by Higman
Fri Aug 02, 2013 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Consumer Reports references Bogleheads.org
Replies: 24
Views: 5121

Re: Class action law suits

I’ve received a Blockbuster coupon for one free movie rental and another coupon for a $25 discount on a cruise. Big whoop! The most egregious one was for a $45M Xerox SEC Fair Fund. I submitted my claim expecting about $225 back according to their charts. However there were over $2.3B in claims subm...
by Higman
Mon Jul 22, 2013 11:54 am
 
Forum: Personal Consumer Issues
Topic: Class action law suits
Replies: 30
Views: 2622

Re: Car Thefts

The article you referenced says: “According to the institute’s findings, seven theft insurance claims were filed for every 1,000 insured F-250s. Many claims, however, could have resulted from theft of equipment or other belongings out of truck beds. Incident data didn’t distinguish between thefts of...
by Higman
Tue Jul 09, 2013 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Car Thefts
Replies: 27
Views: 1888

Re: Joining a religious order with a poverty vow

Since you are already starting on the wrong foot by deceiving the church why not go a bit further. Just download IRS form 1040EZ from 2010, 2011 and 2012. Fill in with minimum income then make copies and give it to the church. This will prove your poverty.
by Higman
Fri Jul 05, 2013 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Joining a religious order with a poverty vow
Replies: 62
Views: 3166

Re: Quick points in defense of indexing for retirement?

You might tell him about Warren Buffett's million dollar bet: S&P 500 Index fund vs. pool of 5 hedge funds over a 10 year period. Warren is now winning.

http://finance.fortune.cnn.com/2013/01/ ... -fund-bet/
by Higman
Mon Jul 01, 2013 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Quick points in defense of indexing for retirement?
Replies: 28
Views: 1607

Re: Computer question

If you want to leave your Desktop PC up all the time then be sure to have a Back-up Universal Power Supply (UPS). This will protect the PC not only from power surges but brownouts and will shut down your PC gracefully after so many minutes running on battery back-up after an extended power loss. I u...
by Higman
Sun Jun 30, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Computer question [How often to do a shutdown?]
Replies: 39
Views: 2748

Re: RMD and the tax trap

Rick - typo in your article. It is AGI, not AIG. Fixed.
by Higman
Mon Jun 10, 2013 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: RMD and the tax trap
Replies: 33
Views: 2296

Re: could brokerage accounts become compromised?

Thanks @johnep for the link. One of the conditions required by Vanguard is: “Review your accounts regularly. Check your account frequently. Promptly and completely review all information we send you.” I’m guilty of very infrequent checking since I buy & hold and rebalance annually. They could de...
by Higman
Mon Jun 10, 2013 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: could brokerage accounts become compromised?
Replies: 8
Views: 523

Re: How $1 fee becomes $32

Hello Nisi. I believe that David Grabiner had posted a simple formula to estimate the effect of expenses. Using 1.33% ER one would retain only 98.67% of the portfolio each year, and the other 1.33% goes to expenses. So over 30 years we have .9867^30 which leaves 66.9% for the investor. The expenses ...
by Higman
Thu Apr 25, 2013 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How $1 fee becomes $32
Replies: 15
Views: 2421

Re: How $1 fee becomes $32

Nice work Nisi. Imagine how much worse the numbers would be if you were also paying a financial advisor a 1% AUM fee every year!
by Higman
Wed Apr 24, 2013 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How $1 fee becomes $32
Replies: 15
Views: 2421

Re: Goofed up; let it ride or sell at loss?

Congratulations! Consider yourself lucky. You have learned a very valuable lesson at such a young age. When I was your age I was all invested in a handful of individual stocks recommended by my stock broker. Eventually I got religion and switched to Vanguard index funds. So my recommendation to you ...
by Higman
Fri Apr 19, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Goofed up; let it ride or sell at loss?
Replies: 21
Views: 2841

Re: Forget set it and forget it planning

It sounds like he is selling a tactical asset allocation process.
by Higman
Fri Mar 29, 2013 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Forget set it and forget it planning
Replies: 21
Views: 2541

Re: Windows 8 photo managing/simple editing suggestions?

Nisi, Sorry to violate two of your requirements but Adobe Photoshop Elements 11 should fill your wife’s requirements. It cost me $70 two months ago. It is split into two programs – the Editor and the Organizer. The Organizer does have an album function which is a database of the location of all rela...
by Higman
Wed Mar 27, 2013 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8 photo managing/simple editing suggestions?
Replies: 21
Views: 1474

Re: Transfer of Assets Before Death

Another item to consider. If your grandparents “gift” stocks to your mother she will assume their cost basis. If she inherits the stock instead then she gets a stepped up cost basis. It would be prudent to see how much capital gains are involved. Since your grandparents don’t want to manage the mone...
by Higman
Tue Mar 26, 2013 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of Assets Before Death
Replies: 29
Views: 2168

Re: Long term stock market risk

My intuitive (and non-mathematical) view of risk compounding over time is this: The Dow closed at 14,000 on Friday. I am willing to bet a large sum of money that at close of business day on Monday it will be in the range of 14,000 +/- 200. I would never make that bet on the Dow closing value one yea...
by Higman
Sat Feb 23, 2013 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Long term stock market risk
Replies: 51
Views: 3970

Re: Ditch whole life insurance?

About 25 years ago I took out a term life policy and stopped paying premiums on my whole life but let the cash value pay the annual whole life premiums. The insurance company was treating it as a loan and was charging 5%. After a few years the cash value was not enough to pay the premium and the pol...
by Higman
Sun Feb 10, 2013 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Ditch whole life insurance?
Replies: 20
Views: 1667

Re: The worst [investing] advice [you have received]

My biggest mistake was getting out of the stock market in the mid 1990's. I took the bad advise of Ken and Daria Dolan who had a TV show on finance. They said the market was way overpriced when the Dow was at 4,000. A few years later I got back in when the Dow was at 8,000.
by Higman
Tue Jan 22, 2013 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: The worst [investing] advice [you have received]
Replies: 64
Views: 5276

Re: US Dept Homeland Security urges Disable Java

Uninstalling Java may be the safest way to go. However if you really need it for a particular application then experiment by moving the Java folder into the folder containing your application. Then uninstall Java. I have Windows 7 and never “installed” Java. But the one application I have that needs...
by Higman
Sat Jan 12, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: US Dept Homeland Security urges Disable Java
Replies: 124
Views: 12786

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1550.

The same as last year. My timing was just a little off :happy
by Higman
Tue Jan 01, 2013 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15411

Re: Dishwasher not draining

As mentioned above – it could be your control panel. I have a GE Profile washer that had a control panel problem once – all control lights would light up at once. While this condition was not in the troubleshooting section of my users guide it was added to their website. I had to shut off power to t...
by Higman
Fri Dec 28, 2012 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher not draining
Replies: 9
Views: 995

Re: Investing Theory

Kathleen,

That was very funny and right on target. However I strongly suspect that the monkey on the left would still demand grapes even if it did not have to work for it. We call that wealth redistribution.
by Higman
Mon Dec 24, 2012 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Investing Theory
Replies: 13
Views: 1294

Re: My Windows sound is gone

Paul, Looks like you've done quite a bit of debugging so far. It still may be a registry issue. Here is a long shot to try - run Ccleaner and have it clean up the registry. Be sure to choose the option to back up the registry first. Download the free version here: http://www.piriform.com/ccleaner/do...
by Higman
Mon Nov 26, 2012 9:27 am
 
Forum: Personal Consumer Issues
Topic: My Windows sound is gone
Replies: 17
Views: 1244
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