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Re: WiFi, brick walls, metal

There are some factors here: - How much distance is there between the router and the fridge? - How far away will your device(s) be from the router? Yes, there will be some signal loss. But when you look through a window, you're also getting signal loss, as glass is not 100% transparent. It's just no...
by Jeff7
Thu Dec 11, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: WiFi, brick walls, metal
Replies: 12
Views: 1038

Re: Vanguard Wish List

- Keep costs low, and funds diverse. - Beware of doing things, like tirelessly chasing the moving target that is above-market returns, that would move Vanguard away from its original focus - Take measures to mitigate risks of internal corruption or scandal. - Maintain an easy-to-use and practical we...
by Jeff7
Wed Dec 10, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 2987

Re: What to do with VGPMX?

My opinion, pick what you want and STICK to it. It seems you make some great reasons/ excuses to change your asset allocation in the recent past. They may be legitimate, but in the end they are another example of not sticking to the plan. I have NEVER seen a person's portfolio blow up having money ...
by Jeff7
Mon Dec 08, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2241

Re: Advice on old beater car. Best way to get rid?

Demolition derby. :sharebeer I was getting rid of an old Elantra that had endured the Rust Belt. After the exhaust tried to make a run for it, I decided it was time to move on. (The bolts rusted off and the exhaust almost slammed into the ground. An oxygen sensor wire was the only thing holding the...
by Jeff7
Wed Dec 03, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2805

Re: HTTPS (aka TLS, aka SSL) comes to bogleheads.org

Neat, thank you! :sharebeer For those interested: HTTPS Everywhere , which is an addon for Firefox, Chrome, and Opera. It will cause the browser to try to use the HTTPS version of most websites, if it's available. Caveat: Some sites will glitch out with this. I guess a site is normally supposed to r...
by Jeff7
Mon Dec 01, 2014 6:55 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 33
Views: 2951

Re: 2015 Suburu Outback

I've not had experience with the 2015 models or Outback, but I do have a 2012 Impreza and am content with it. Yes, there are some things I would change if I could (example: The climate controls are all round knobs, making it impossible to tell their status by touch alone), but you'll get that with a...
by Jeff7
Mon Nov 24, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5554

Re: How to buy oil in the stock market?

I am surprised they went live with that. Because if they have done it, it's as important to National Security, potentially, as the development of the hydrogen bomb. A fusion reactor that small would also be a great bomb-making plant. A race as fond of political and religious conflict as ours is, ar...
by Jeff7
Fri Oct 24, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2215

Re: How to buy oil in the stock market?

I have some extra money in my etrade account, and I was thinking about buying oil shares. I know ETF like USO don't track oil prices, so are there any other ETF that do closely track oil? Or is the only way to do it like that is to buy oil futures? Aares, I would not recommend investing in oil or a...
by Jeff7
Thu Oct 23, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2215

Re: Why are 401k plans expensive?

401(k) plans are a challenge. A few years ago, the disclosure requirements in terms of fees were implemented. I expected that to have a little more impact than it appears to have been. Best. A requirement like that is nothing a good marketing department can't spin. The disclosure can weave in some ...
by Jeff7
Fri Oct 17, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3157

Re: Creating a 401k for my company through Employee Fiduciar

But, the glide path shouldn't be "automatic" or black boxed by the investor. With the lifestrategy funds - the big education items are stocks, bonds, and asset allocation. Once someone understands AA - they can choose a life strategy. To get to TR funds - you have to do further education ...
by Jeff7
Fri Oct 17, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 10778

Re: Crazy asset-based fees in my 401K!

Well, there are costs to administer a 401k for employees, right? And those costs have to be covered somehow. I wonder if your company is getting the administration services "free" because their employees are paying for it with higher expense ratios and fees. Or maybe your company is actua...
by Jeff7
Wed Oct 15, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2609

Re: Creating a 401k for my company through Employee Fiduciar

I do audits of a 401k. It is clear to me that people do not take a methodical approach to investing in their 401k. So, I am now pretty well convinced that simple is better. Fewer, good low cost is better. Administratively - fewer options are also better, easier to manage, and easier to reconcile. B...
by Jeff7
Mon Oct 13, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 10778

Re: Do you every turn your smart phone off?

Wow...what a well-researched site. Myth 5: Don't charge your phone until it's completely dead. The truth: It's better to charge your phone every day than to do a "deep charge" from time to time. Lithium-ion batteries, like the kind used in Samsung and Apple products fare better when they'r...
by Jeff7
Mon Oct 13, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2034

Re: manipulating Amazon reviews

Isn't that what most advertising is anyway? Know more about your customers or potential customers so that you can manipulate them into buying (more of) your products or services. That's why you've got things like LG Smart TVs that send back data on what channels you're watching, how long you're watc...
by Jeff7
Fri Oct 03, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 3076

Re: Fidelity Offers A Round-Trip to Europe for New Account

I wonder how much that adds to their fund expense ratios? :P
by Jeff7
Fri Oct 03, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3254

Re: Supreme Court to hear fiduciary duty/high cost funds cas

If it goes through that low-cost funds must be offered, I hope they don't leave any gaping holes that permit the fees to be "recouped" through other means. "Low-cost funds have been added. In a completely unrelated matter, the annual administration fee for your plan will be increasing...
by Jeff7
Thu Oct 02, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 13
Views: 1661

Re: How can I change my password?

At the upper-left of the screen:

User Control Panel --> Profile tab --> Edit Account settings.
by Jeff7
Mon Sep 08, 2014 11:23 am
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 1279

Re: 12b-1 Fees

Never invest in anything you don't understand. ... I wouldn't want to invest in something that the selling company doesn't seem to properly understand. :D The question of "What are you charging me for the service you are providing?" should not be a difficult one for the provider to answer...
by Jeff7
Wed Aug 27, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 750

Re: Stopping Junk mail from USPS

If a place mailed me something with a form and a postage-prepaid envelope, I'd write "REMOVE" on the form and send it back.


It takes a few weeks for them to receive and process it, but I don't seem to get as many credit card offers as I used to. :happy
by Jeff7
Sat Aug 23, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2016

Re: 401K help

Yes, at least contribute enough to get the full company match. Lobby for inclusion of some Fidelity Spartan funds in the plan. 1% ER is not great, but I've seen much worse unfortunately Or try to get their Four-in-One fund (FFNOX). That might help "sell" the idea, since it's a very divers...
by Jeff7
Fri Aug 22, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 22
Views: 1332

Re: Do you take all of your allowed paid vacation time?

Numerous options: 75-95% of vacation time is taken. (Or it rolls over. One way or the other though, it doesn't just go away.) I sort of stay connected. It depends on what's going on back at work, who's still there who isn't also on vacation, and where I'm staying and what I'm doing. If I've got down...
by Jeff7
Fri Aug 22, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6340

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I actually find this just a little bit troubling. No, I am not someone who sells active funds using the "what if everybody indexed" talking point, but I do worry about "will success spoil Vanguard?" Jack Bogle has a essay, is it in "Clash of the Cultures?" about the ri...
by Jeff7
Thu Aug 21, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7366

Re: Subaru Blues

Have had close to a dozen Subarus in the (extended) family for the past 15+ years, next to no issues with them. They last forever. You can get a lemon with any brand. Similar here. My mom had a '92 Legacy up until about a year ago. Perhaps 10 years ago it sustained a deer impact at 45mph (rural PA,...
by Jeff7
Thu Aug 21, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8455

Re: Your biggest "Missed Money" event that still kills you?

The usual: I didn't start sooner. For quite a long time, I only knew the stock market as a high-end casino, and so I didn't do any investing. I also knew only of savings bonds, and no others. But even the expert economists and professional stock pickers couldn't seem to figure it out and reliably gi...
by Jeff7
Wed Aug 20, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8767

Re: Spouse not ready to cut ties with financial advisers

... I discussed most of the points in this thread with DH this morning. His overriding concern is that we will make a mistake and it will cost us a lot more than 1%. He said that everyone he knows who has ever chosen to manage their own funds has lost money in the stock market. I tried to explain i...
by Jeff7
Sun Aug 17, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9908

Re: Vanguard Lost My Account

To toto238: That is an interesting perspective. I did not consider that as a possibility that they might put their jobs in jeopardy. I know who I am , and I am me. I am no fraudster. however, I imagine that there are more than a few instances of social manipulation of the service rep and fraudsters...
by Jeff7
Fri Aug 15, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 94
Views: 12225

Re: Two factor identification and your password safe

Food for thought regarding the security of storing your password safe on USB: http://www.wired.com/2014/07/usb-security/ .....wow. That's kind of impressive actually. I think of computer code like a machine. But instead of gears, motors, shafts, drive chains, and cams, it's all a bunch of tiny elec...
by Jeff7
Mon Aug 11, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2105

Re: Where do you buy clothes?

Mostly JCPenney. Walmart's clothing quality was not so good. Things would start to fall apart rather quickly. St John's brand shirts and Arizona brand pants get the job done adequately. For specialty items like coats, I'll go to Cabela's or LL Bean. I'm a little bit south of Canada, so I expect a lo...
by Jeff7
Mon Aug 11, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9971

Re: "Strong passwords"

Bogleheads: I alerted Administrator, Larry Auton, who is a computer whiz. This was his reply: This isn't really news to folks who do what we do. People should use strong passwords but they never will. This particular case doesn't affect us directly. Thank you, Larry. Best wishes. Taylor Of course, ...
by Jeff7
Wed Aug 06, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8440

Re: average American eats out 203 times per year

Wow. I'm at maybe once every 2 weeks, assuming take-out counts. I thought once a week was a lot. :shock: I guess I don't get out much. :mrgreen: Ever since my student loans were paid off, I've gotten lazier and lazier about cooking at home. I just find it to be a really tedious and uninteresting act...
by Jeff7
Tue Aug 05, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6957

Re: 401(k) Asset Allocation help

Lincoln Financial Group?
It gives me a bit of hope to see that you've at least got a few low-cost options available.
They also do the 401k plan where I work, and we've got nothing but expensive American Funds options.
by Jeff7
Mon Aug 04, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation help
Replies: 8
Views: 899

Re: Question about managed account

Yes, my portfolio is very complicated: looks like 28 different funds. I discovered if I click the name, the link will tell me the fund's category. Looks like some of them are PRRDX, MWTRX, EXWAX, YAFFX, and AEMGX. PRRDX: Pimco Real Return. 0.85% ER. MWTRX: Metropolitan West Total Return Bond. 0.62%...
by Jeff7
Mon Jul 14, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1392

Re: [Poll] Are you more risk averse than average?

How about an option for "average?" :wink:



I'll assume I'm average until I see evidence that says otherwise.
by Jeff7
Mon Jul 14, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2890

Re: Why do companies put up with high expense 401k choices?

It basically comes down to one of 2 things: ⋅  ignorance where they have no clue that much lower cost options exist or that the "absolutely no cost to the company" plan is just hiding the often exorbitant costs by gouging the employees ⋅  collusion where they go with t...
by Jeff7
Thu Jul 10, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1596

Re: Erasing hard disk that have died

Without damaging anything? Not sure... If you want to save yourself the trouble of taking it apart, drill two or three holes through it. (Use a cheap drill bit. There are a few of these things that used glass platters.) Do an image search for "hard drive internals" so you know where to dri...
by Jeff7
Mon Jul 07, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3650

Re: How to get father on board with index funds

Maybe an agreement could be worked out that would allow you to help your mom manage the finances if something were to happen to your father? Mothers tend to be susceptible to those nice boys... In my experience, fathers are just as susceptible. Exactly. Maybe the tactics vary, but there are plenty ...
by Jeff7
Mon Jun 30, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get father on board with index funds
Replies: 34
Views: 2314

Re: Want to Save Money? Be Polite!

I'm the sort who'd be just fine submitting the order via computer screen.

Does that get me an additional discount?



(Just so you have an idea of the mindset at work, I'd love to see an automated fast food restaurant. Submit your order, and then watch the machinery build it. :D)
by Jeff7
Thu Jun 26, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6901

Re: The Death of Savings Bonds

That, and their website itself. I'm repeatedly amazed that such a terrible design could have been greenlighted for publication. Vanguard has somehow figured out how to permit the use of such advanced features as Back and Forward without immediately booting you out of the site. Does the Treasury onl...
by Jeff7
Mon Jun 16, 2014 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3575

Re: The Death of Savings Bonds

I'm buying $350 in I-bonds each month, given that savings accounts pay next to nothing. (How many bonds is that? :confused ) I've seen some checking accounts paying out nice interest rates, but they'd turn into a part time job with how many monthly transactions they require, versus how many I curren...
by Jeff7
Mon Jun 16, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3575

Re: Market timing: Getting out of bonds?

I feel like lately I've read a lot of information/posts on people getting out of bonds due to the rising interest rate environment, and the availability of other alternatives that are just as good (such as 2%+ CDs). Now, forgive me for the naive question, but I'm still trying to figure this out her...
by Jeff7
Mon Jun 16, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Market timing: Getting out of bonds?
Replies: 17
Views: 1930

Re: Overdiversification?

This is yet another plan that is summed up as: "You need to buy good stocks, and avoid bad ones."
by Jeff7
Sun Jun 15, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Overdiversification?
Replies: 18
Views: 1522

Re: Time to Sell Index Funds While Market Is High?

Thank you to everyone for your advice. It is very tempting to take advantage of these highs since I do believe in the mantra, "buy low, and sell high." I really don't see the stock market not going lower at some point, so I thought it wouldn't hurt to do this just once , but I will take t...
by Jeff7
Fri Jun 13, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3847

Re: Time to Sell Index Funds While Market Is High?

I follow the three fund portfolio recommended by Bogle and have the following Vanguard index funds: Vanguard Total Stock Market Index Fund (VTSMX) Vanguard Total International Stock Index Fund (VGTSX) Vanguard Total Bond Market Fund (VBMFX) I am wondering if it is time to sell, especially for Vangu...
by Jeff7
Thu Jun 12, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3847

Re: 3 Funds in 401K Suggestions?

Thanks for the input, much appreciated. I will work on putting all my accounts down on paper. I am not kidding about a mess!! :) While you're typing it out, it is a good idea to save it out to Word, or else just work there and then paste it here. (Keep in mind that bolded text and such might not tr...
by Jeff7
Thu Jun 05, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Funds in 401K Suggestions?
Replies: 25
Views: 1162

Re: Help with new ING 401k plan

$6M and 100 people. Assuming an average ER of 1.7%, which might be on the low side given the availability of the more costly Target Retirement funds: That's a little over $100k/year in fees being extracted from the group of participants. That advisor is going to fight tooth and nail to keep that pla...
by Jeff7
Mon May 19, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with new ING 401k plan
Replies: 8
Views: 895

Re: 401K selection for young man

Are the offerings through Vanguard directly?

What are the costs? Sometimes normally-low-cost funds can have high markups slapped on them by a middleman financial company.
by Jeff7
Fri May 16, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K selection for young man
Replies: 5
Views: 506

Re: STAR for a child?

My dd, 10, is just learning about compound interest and investing. We have about $1000 saved up for her and I was looking at the STAR fund. I am not quite understanding the contribution bit... if I don't do a auto deposit of $50/mo, the minimum is $100. Is that $100 the life of the fund or $100/mo ...
by Jeff7
Wed May 14, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: STAR for a child?
Replies: 7
Views: 873

Re: Poll: Do you own Total Bond Market?

"Yes...." but then remembered I don't anymore. I shifted bonds to my 401k, so I can (hopefully) get the stock-based growth in my Roth IRA - pay no taxes on that. I think that works out like that. So I'm stuck with an American Funds bond fund in the 401k. It's unfortunately more volatile th...
by Jeff7
Tue May 13, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4580

Re: Vanguard Total International Bond Index Fund

Do I? No, not currently.

Will I? Yes, probably, once my accounts grow enough that I wouldn't be overweighted in it.
by Jeff7
Sat May 10, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond Index Fund
Replies: 38
Views: 3824

Re: Job Hopping? Work History Enclosed.

I always tell my engineering students to say, truthfully, "I always stay for the full period of my employment contract". Companies that hire on a "day labor at will" basis have a lot of nerve to expect loyalty. It's interesting too that you can't really shop around for a decent ...
by Jeff7
Thu May 08, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Hopping? Work History Enclosed.
Replies: 60
Views: 4819
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