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Re: Livesoft can you explain how u can do this?

What is the 0% tax bracket? I thought you start paying 10% tax on any income from $0 to $8925. It's not really a bracket, but that seems to be the best term to fit it. It is the amount of money that is never taxed - each taxpayer is allowed at least one exemption and at least a standard deduction b...
by LazyNihilist
Wed Nov 26, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 4172

Re: Livesoft can you explain how u can do this?

Should work well if you retire early, before SS kicks in or if you delay your SS payouts. However, if you have too much in taxable assets, perhaps getting dividends from those (or interest, one can wish) will throw a wrench in this plan. If you've got a couple million and are ready to retire early,...
by LazyNihilist
Wed Nov 26, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 4172

Re: What percent "Boglehead" are you?

I'd say around 90-95% the Non Boglehead thing I do is, keep watching market news all the time and if the market falls, try to move my bonds into equities, so a form of market timing. Other than that, I am as Boglehead(ish) as one can be.
by LazyNihilist
Sat Nov 22, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 6283

Re: Learning to Type

livesoft wrote:
hoppy08520 wrote:I'm impressed with your right pinkie. Twice as fast as the other 9 digits.

Maybe I have 6 fingers on that hand?


Six fingers you say... http://www.youtube.com/watch?v=cWpqyT4Qib4 :)
by LazyNihilist
Sat Nov 22, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1738

Re: Jim Cramer dad & LTCI

It's worth remembering that Jim Cramer is a graduate of Harvard Law School, and has a lot of money. So, he has access to as much legal firepower as anyone to try to get the insurance company to live up to their obligations. If it was hard for him, it's liable to be much harder for most people. Yes,...
by LazyNihilist
Sat Nov 22, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3408

Re: Jim Cramer dad & LTCI

Would SPIA's have any problem? Isn't it like a straight forward monthly payment?
by LazyNihilist
Sat Nov 22, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3408

Re: Cold weather gloves

I've had it with this cold weather in CT. I'm moving to Florida. :x
by LazyNihilist
Fri Nov 21, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Cold weather gloves
Replies: 13
Views: 1437

Re: What financial tools/software do you use?

GnuCash + Google Docs Spreadsheets.
by LazyNihilist
Wed Nov 19, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2235

Re: Please Try Out Test Posts Here

livesoft wrote:Normally I don't even read this thread, but I felt my ears burning. Weird.


:happy Sorry livesoft. I'm always happy to read your posts.
by LazyNihilist
Wed Nov 12, 2014 12:51 am
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 45
Views: 119258

Re: Please Try Out Test Posts Here

LadyGeek wrote:Become a site admin and move threads to the forum they belong in. :wink:


LadyGeek, Thanks for the great work in maintaining Bogleheads. One of the best websites/forums on the interwebs.
by LazyNihilist
Wed Nov 12, 2014 12:50 am
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 45
Views: 119258

Re: Please Try Out Test Posts Here

Trying to catch up to livesoft, nisiprius and Valuehinker post count ;-)
by LazyNihilist
Tue Nov 11, 2014 8:40 pm
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 45
Views: 119258

Re: forumsee.com mirroring Boglehead content. Authorized?

The irony of Google Adsense. Right below the Boglehead mirrored post, they have a huge Ad
"Day Trading For Beginners - Free Workshop. Learn How to Trade Like a Pro!"

:)
by LazyNihilist
Tue Nov 11, 2014 8:37 pm
 
Forum: Forum Issues and Administration
Topic: forumsee.com mirroring Boglehead content. Authorized?
Replies: 3
Views: 959

Re: What Movie Have You Recently Watched?

Interstellar.
It was Stellar. A lot more emotional than expected. A little crazy. But a Spectacular move.
by LazyNihilist
Sat Nov 08, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18688

Re: Jack Bogle: Shut your eyes and let the indexes work

Jack Bogle, the voice of common sense among the noise.
by LazyNihilist
Wed Nov 05, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Shut your eyes and let the indexes work
Replies: 8
Views: 2525

Re: LASTPASS Password Program

LastPass is proprietary. How much would you trust LastPass itself? I'd recommend KeePass or Password Safe. I personally use KeePass. Great question. Assumptions can be dangerous. A couple of the biggest names in computer security went thru the Lastpass process. They examined in detail the data traf...
by LazyNihilist
Sun Oct 26, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4554

Re: LASTPASS Password Program

LastPass is proprietary. How much would you trust LastPass itself?
I'd recommend KeePass or Password Safe. I personally use KeePass.
by LazyNihilist
Sat Oct 25, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4554

Re: Fund Prospectus from Vanguard

This time the HSA sent me a new prospectus, I recognized it instantly. I'm getting brighter by the day. :)
by LazyNihilist
Tue Oct 14, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 835

Re: Fund Prospectus from Vanguard

Ok, I'm just stupid. Didn't read the address on the envelope properly.
These prospectus was sent by my HSA brokerage. I totally forgot about them. I set them up a year back, and I got prospectus now.
:oops: :oops: :oops:
by LazyNihilist
Tue Oct 07, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 835

Re: Fund Prospectus from Vanguard

Just called Vanguard and they don't know why I was sent these either. They asked me to check my account online regularly and report any activities I find suspicious.
by LazyNihilist
Tue Oct 07, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 835

Fund Prospectus from Vanguard

Received a Short-Term Investment Grade Fund Prospectus and Vanguard Corporate Bond Funds Report in the mail from Vanguard today. I usually receive a prospectus only for the funds I buy, and I don't have either of these. I quickly verified my accounts online to see I didn't purchase any of these or a...
by LazyNihilist
Mon Oct 06, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 835

Re: EmergDoc has Surpassed 10,000 posts!

Emergdoc- I wanted to add my thanks for your contributions. During the dark days of 2008-2009 your voice was one of reason and calm. I seem to remember you rebalancing into REITs (?) while holding your nose! You led by example. That helped reinforce what I knew to be true: Invest we must. Many than...
by LazyNihilist
Tue Sep 30, 2014 5:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 3289

Amazon's new e-reader Kindle Voyage

Amazon just unveiled their new e-reader Kindle Voyage. Starts shipping October 21st, you can pre-order it now. It looks great. Has improved resolution of 300 dpi, an adaptive front light and buttons for page turning. The only sticking point is the price. The Wi-Fi only with special offers is $199. S...
by LazyNihilist
Thu Sep 18, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Amazon's new e-reader Kindle Voyage
Replies: 11
Views: 1359

Re: Alibaba is NOT coming to an index near you

Interesting. Would it be included in either CRSP US Total Market Index OR FTSE Global All Cap ex US Index?
by LazyNihilist
Mon Sep 15, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 34
Views: 4416

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

A few years back, put money on Red instead of Black at the roulette table.
by LazyNihilist
Tue Aug 19, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8612

Capital One BuyPower Card with 5% Earnings

Received a promotional offer from Capital One BuyPower Card with 5% Earnings for first $5000 and 2% for the remaining money spent. I was delighted and was about to apply for it when somewhere deep inside the fine print was a line '*Earnings can be used toward a new Chevrolet, Buick, GMC or Cadillac ...
by LazyNihilist
Sun Aug 17, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Capital One BuyPower Card with 5% Earnings
Replies: 1
Views: 898

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

I own a single share of BRK.B. That's all I need to get 8% off my Geico premium! Is this true? I use GEICO for all my insurance. After reading this I immediately got 1 share of BRK.B and received a 1.6% discount from Geico Auto Insurance. Was expecting 20% :greedy , but was already getting around 1...
by LazyNihilist
Sun Aug 17, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 9862

Re: Verizon Issue advice

Sorry about your mother.
I've had similar experience with Verizon billing/customer service. After I cancelled my account, I had to call them at least 4-5 times to get back the money I was owed.
I find having a prepaid service avoids lots of hassle. I am on T-Mobile pay as you go and it works good.
by LazyNihilist
Fri Jul 25, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Verizon Issue advice
Replies: 16
Views: 1336

Re: TV show recommendations?

Just started The Wire (from Netflix).Thanks to those who recommended it Wow, I was not hooked until I got into the 2nd season. In the first season, I could barely comprehend what was going on, mainly due to the difficulty of understanding both the words of the dialog and their meaning (lots and lot...
by LazyNihilist
Mon Jun 09, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143777

Re: I've Got $100K -- Where To Start?

Faith20879 wrote:Hello Welcome!

We have a wonderful section in the Wiki http://www.bogleheads.org/wiki/Getting_started that you might find useful.


It is very important to follow the 1st step of that page.

Develop a plan.

This will help you understand how to invest the money you have.
by LazyNihilist
Fri May 30, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've Got $100K -- Where To Start?
Replies: 39
Views: 4481

Re: Mariket timing

Lots of great posters who contribute less frequently as well. It's the overall forum and civil discussion that makes it a great forum. The only downside I see to the forum is, not diverse enough investing strategies are discussed. All biased towards index investing and not enough market timing stra...
by LazyNihilist
Fri May 30, 2014 3:50 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9742

Re: Who are the BogleHeads.org heavyweights?

Lots of great posters who contribute less frequently as well. It's the overall forum and civil discussion that makes it a great forum. The only downside I see to the forum is, not diverse enough investing strategies are discussed. All biased towards index investing and not enough market timing strat...
by LazyNihilist
Fri May 30, 2014 3:26 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9742

Re: Computer security -- a paradigm shift?

Lots of great information in this thread. Analogous to investing, where everyone should have a plan suited to their needs. Computer security, everyone should tailor their security setup according to their requirements. Companies/Governments have different security requirements to individuals. And th...
by LazyNihilist
Tue May 06, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4847

Re: Domestic vs. International Stock Allocation ?

I settled on a 65% domestic/35% international stock allocation many years ago and I have found no reason to change. We settled on something pretty close. 66.6% domestic/33.3% international. Easy to check if domestic is roughly double international to make sure things are balanced. I do 62% domestic...
by LazyNihilist
Fri Mar 28, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 5516

Re: How much internet speed is enough?

I wish Google Fiber comes to my place ASAP.
The other ISP's are really gouging their customers. :annoyed
by LazyNihilist
Thu Mar 20, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 1741

Re: Replacement for Windows XP Computer

If possible get a Ubuntu or Linux Mint Live CD and try it out. You might like it.
by LazyNihilist
Wed Mar 19, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5360

Re: ANY secure Internet access while traveling?

The answer is probably no, but I'll ask anyways... If I have Hamachi Logmein installed on a PC acting as the server, can a Nexus 7 tablet running OpenVPN connect to the VPN network I setup on the Hamachi based PC? Not sure how logmein works. But I have an OpenVPN server setup @ home and can connect...
by LazyNihilist
Wed Mar 19, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 4113

Re: ANY secure Internet access while traveling?

I'd recommend looking for established OpenVPN providers within US. Once you connect your computer to the provider using OpenVPN, the network should be pretty secure. The danger is using untrusted devices (computer/smartphone) to login to your accounts. In that case an OpenVPN is not of much help if ...
by LazyNihilist
Tue Mar 18, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 4113

Re: Confession: I bought a stock. What is wrong with me?

As long as the 'fun' money doesn't exceed 5% of the Total Portfolio, i'd say go for it. If there are any gains, it's good. If the stock drops, it's a good lesson to stick to index funds. :happy
by LazyNihilist
Sun Mar 16, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 6006

Re: Bogle & [NY] Subway [Train]

Actions speak louder than words. These are the things that make me trust Bogle and Vanguard. I hope Vanguard always has good leaders.
by LazyNihilist
Sat Mar 15, 2014 4:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 6437

Re: Cruel math [x% loss requires x+% gain to get even]

To make up an x% loss requires a gain of x/(1-(x/100)) % Making use of that formula, making up for a 200% loss requires a further loss of 200% :mrgreen: I should've put "where x < 100". For making up for a 200% loss I have a "special" formula given to me by a Nigerian Prince. I ...
by LazyNihilist
Wed Feb 26, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 3570

Re: Cruel math [x% loss requires x+% gain to get even]

To make up an x% loss requires a gain of
Code: Select all
 x/(1-(x/100)) %
by LazyNihilist
Wed Feb 26, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 3570

Re: Is my return correct?

Thanks #Cruncher. Your detailed explanation and calculations are very helpful as always.
by LazyNihilist
Sat Jan 18, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 813

Re: Is my return correct?

I like XIRR. I think it gives a good number to compare against other fund returns or interest rates.
by LazyNihilist
Sat Jan 18, 2014 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 813

Re: Why Vanguard is a Role Model for the Fund Industry

I hope another Mutual Fund company with Vanguard's ownership structure becomes popular. That way Vanguard has good competition.
Right now Vanguard is great and I have 'almost nothing' to complain about. But having another Mutual Fund company wouldn't hurt. :happy
by LazyNihilist
Tue Jan 14, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard is a Role Model for the Fund Industry
Replies: 10
Views: 1433

Re: Should my son pay me rent, utilities, etc...?

Don't charge him anything. In fact if it was me, I would give my kids some extra money to stay with me. Always nice to have kids stay with parents if they are happy. Is your son happy with his job? If he is happy, then he can continue working there, if not, community college is a good idea. I don't ...
by LazyNihilist
Tue Jan 14, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 10413

Re: What Book Are You Currently Reading? Part V

“When I look at myself, yeah, I am driven by money,” he said. “I like many creature comforts. I want to make sure I take care of my kids well and so on and so forth. And when I live in this society you do get fairly materiliastic, so I look at that. I am disappointed.I am probably more materialisti...
by LazyNihilist
Mon Jan 06, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1217053

Re: free annual credit report

I applied for the Walmart Credit Card. You get your Credit Score for free with this. I think someone mentioned this on a different thread :beer
by LazyNihilist
Wed Jan 01, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: free annual credit report
Replies: 8
Views: 872
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