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Re: *poor* Bogleheads

I think my sig that appears at the bottom of the post says a lot. It is a reminder that all of us are born with the same level of wealth. From that point on, it changes due to opportunity. For some there is wealth waiting for them due to the generosity of parents, grandparents, etc. Others exist in ...
by NAVigator
Fri Apr 18, 2014 8:06 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5192

Re: Keep passwords in USB thumb drive: good idea?

I appreciate the information; its starting to make sense. So I encrypt my passwords and remove them from my browser, then I've seriously upped my security. But in practical terms, when I access a website such as Vanguard and I don't remember my password because i don't have it as the bookmark name,...
by NAVigator
Thu Apr 17, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 1992

Re: Keep passwords in USB thumb drive: good idea?

I've been reading these threads and can't pull the trigger so to speak on a password manager. Can't seem to grasp how the security would be better with a password manager than with say, Target. Is it conceivable that such a password management company could be compromised and then a hacker knows EV...
by NAVigator
Thu Apr 17, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 1992

Re: Bernstein "blasts financial industry, backs 3-fnd portfo

I have a kindle but would also prefer to have printed copies for each of my 3 kids - happy to pay 99c per hard copy...is there a way to do that?? In this thread; Bogleheads • View topic - Free "If You Can" Kindle and .pdf eBook , Dr. Bernstein made the pdf available. This can be read with...
by NAVigator
Thu Apr 10, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein "blasts financial industry, backs 3-fnd portfolio"
Replies: 15
Views: 3801

Re: Market falling emotions

When there are downturns in the market, I find comfort in looking at the long term, as others have mentioned. I created this chart of S&P returns to help.

Image
Jerry
by NAVigator
Tue Apr 08, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2122

Re: LED bulb prices

runner9 wrote:I believe it's discussed higher up in this thread, but Home Depot prices seem to vary by region/state. That bulb shows up at $24.97 here in the midwest.

The price might also depend on where in the midwest you look. Over here the Home Depot price is $14.97 for that bulb.
by NAVigator
Mon Apr 07, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8120

Re: One sentence financial rules

I like the short format to provide good advice that is easy to remember.

In a similar style, here is another list. Note today's date when considering the advice! :wink:
The Complete Ferengi Rules Of Acquisition
by NAVigator
Tue Apr 01, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: One sentence financial rules
Replies: 13
Views: 1696

Re: Electric razors where replacement blades cost same as ra

I usually buy a new shaver since it comes with the blades at no extra cost. :wink: I just looked on ebay for "electric shaver men" and it provided an interesting experience. There are models that are charged by USB. I suppose the reason is to avoid having to bring the base and transformer ...
by NAVigator
Sat Mar 29, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Electric razors where replacement blades cost same as razor
Replies: 19
Views: 1257

Re: Vanguard webcast?

tnx - BTW - is there a technical term for your avatar/icon - looks like something from Escher :) -.. . - . - My avatar is a Penrose triangle named after Roger Penrose, a mathematician who devised such impossible shapes after, but independently from M.C. Escher. BTW - your signature is a mystery to ...
by NAVigator
Sat Mar 29, 2014 5:02 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 918

Re: Vanguard webcast?

About three weeks.
by NAVigator
Fri Mar 28, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 918

Re: Looking for Good Free Win 7 File Manager

I use a free utility called Everything from voidtools.com. It also allows files and folders to be excluded, and many options. A list of files meeting the criteria can be created. It is small and fast since it creates a database of the files. Works for me.

Jerry
by NAVigator
Thu Mar 27, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Looking for Good Free Win 7 File Manager
Replies: 7
Views: 646

Re: Lawyer, Small Claims Court, or ?

Since this is a recurring problem, this implies that there is likely trash located on your property at any time. Wouldn't it be simplest to examine the trash contents to determine the source. Look for envelopes/boxes with address labels. Take pictures before and during the trash examination to show ...
by NAVigator
Wed Mar 26, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer, Small Claims Court, or ?
Replies: 27
Views: 1255

Re: VG Seminar: Spending strategies for your retirement year

The summaries of this webinar were just published, videos and transcripts; The 4% percent rule and a dynamic retirement spending plan Tax-savvy withdrawals in retirement Required minimum distribution basics Annuities and your retirement portfolio Annuities and your retirement portfolio Jerry
by NAVigator
Thu Mar 20, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: VG Seminar: Spending strategies for your retirement years
Replies: 7
Views: 1207

Re: Tipping for a haircut at Great Clips

I cut my own, and I don't leave a tip either. Same here. What tipped me to start doing this was an experience at Great Clips. After waiting forever, it was finally my turn. The person with the sharp tools barked at me "What's your number?". I was stunned. Did I need a number to mark my tu...
by NAVigator
Sun Mar 09, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3957

Re: Simplest Personal Finance Post

I think your list should start with "spend less than you make". Alternatively you could say "live below your means (LBYM)". This implies that one saves what is not spent. Then pay debts and then invest from these savings.

Jerry
by NAVigator
Sat Mar 08, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simplest Personal Finance Post
Replies: 7
Views: 874

Re: On shaving expenses

Shaving expenses? I thought this was going to be about Burma Shave. :P It will when there is one post after another... To the OP, this really is splitting hairs. I am satisfied with either of the returns. I am not about to diversify across Admiral and Institutional. There is a significant entrance ...
by NAVigator
Sat Mar 08, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1182

Re: 2 Comma Club

In my experience, the first half million is the hardest part. After that, it seems like the portfolio takes on a life of its own; coupled with my continued savings, the 2nd half million is easy, and the 2nd million is inevitable... Indeed, the first half is the hardest. The next half is easier. Unb...
by NAVigator
Fri Mar 07, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 24
Views: 2818

Re: 2 Comma Club

Congrats! I use the value of the home in an interesting way. I look at the investment value and then add in the value of the home. That "net worth" becomes what I strive for within my investments. It's worked over and over again. It's nice to have goals because that drives success! :happy ...
by NAVigator
Fri Mar 07, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 24
Views: 2818

Re: VG webcast: "Spending Strategies for your Retirement Yea

I found this webinar to be informative, well-moderated, with excellent coverage of topics. It is clear that the Vanguard research is the foundation of the managed payout funds, target retirement funds, various services, and their financial advice. There were several "what-about-this" type ...
by NAVigator
Fri Mar 07, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: VG webcast: "Spending Strategies for your Retirement Years"
Replies: 6
Views: 756

Re: How To Be An Index Investor

Taylor Larimore wrote:Sometimes I think you are most interested in helping investors avoid advisers (like yourself).

I think this would apply to advisers, like yourself, that are unlike yourself. :wink:

Jerry
by NAVigator
Thu Mar 06, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: How To Be An Index Investor
Replies: 23
Views: 2671

Re: How Many Funds Do You Have in Taxable?

Two; Vanguard Total Stock Market (VTIAX) and Vanguard Total International Stock Market (VGTSX).

Jerry
by NAVigator
Wed Mar 05, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4891

Re: Wade Pfau: Lifecycle Finance

BobK, thanks for an informative post. With 29 links, I think this is a record in a single post. :shock: I hope to read more on this topic. This obviously is a favorite subject of yours. It was nice of you to share your investigation of these resources.

Jerry
by NAVigator
Wed Mar 05, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Lifecycle Finance
Replies: 118
Views: 12017

Re: Buying from Amazon vs direct seller price/shipping time?

It would seem that the shipping time depends on the shipping method. Even when the item sold is identical and is sold by the same seller, the shipping company may be different; USPS, UPS, FedEx, etc. The method used within each shipper could be also be different; express, standard, etc.

Jerry
by NAVigator
Tue Mar 04, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Buying from Amazon vs direct seller price/shipping time?
Replies: 8
Views: 674

Re: Get ready for the Dow at 6,000 by 2016: Pro

In CBS MoneyWatch on August 19, 2013, our own Boglehead observed; Why do people listen to Harry Dent in light of his obvious inability to accurately predict the future? I believe it is because most of us want certainty, even when we know, logically, that it doesn't exist. Harry Dent and the chamber ...
by NAVigator
Tue Mar 04, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 4500

Re: My Fair Share

Thank you for sharing your portfolio. It is refreshing to hear of your long-term success with a "simple but elegant method of investing." This gives much hope to those that are concerned about their past approach, present conditions, or worries about the future. I have also moved from havi...
by NAVigator
Tue Mar 04, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: My Fair Share
Replies: 2
Views: 441

Re: You know you're a Boglehead when ...

When you tune out the noise of financial conditions, but the Home Page is of paramount importance!
by NAVigator
Mon Mar 03, 2014 10:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5142

Re: Bogleheads.org Home Page Updated

Now that the menus are back on the left, and since I read left to right, I feel like a new member over and over again. How is it that with thousands of members, a couple of squeaky wheels can cause a change so quickly? Maybe a poll is in order? Perhaps these should be user-configurable options. That...
by NAVigator
Mon Mar 03, 2014 10:36 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9094

Re: Bogleheads.org Home Page Updated

Using a fair and balanced approach, success will come when everyone is equally unhappy. :wink:

Seriously, thank you for your efforts.

Jerry
by NAVigator
Mon Mar 03, 2014 8:58 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9094

Re: Format of webpage

Don't usually come in that door, but like the change: somehow cleaner, simpler, seems to closely parallel the forum's "New Topics" display while providing more direct access to philosophy and recommended books for newcomers. I agree that it is advantageous that the new format directs read...
by NAVigator
Mon Mar 03, 2014 12:20 pm
 
Forum: Forum Issues and Administration
Topic: Format of webpage
Replies: 10
Views: 690

Re: Bogleheads.org Home Page Updated

I just poured a glass of wine when I saw this. Here's a toast to a new, sleek home page! :sharebeer
With gratitude,
Jerry
by NAVigator
Sun Mar 02, 2014 9:58 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9094

Re: Why the love for target date funds?

The investment philosophy of the Vanguard target date funds is readily available in the prospectus which is required to be available when making an investment. In addition, Vanguard clearly and openly describes the value of these funds. Here is a white paper on this topic; Vanguard’s approach to tar...
by NAVigator
Sun Mar 02, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3647

Re: Chart showing what percentage needed to recover

If your link has a t and not a p, it isn't a post link, it is a thread link. Indeed, that is the case. With several additional attempts, I found how to add the p to the link. I use Firefox with the Make Link add-on. If you right click on the title that accompanies the post within the thread, it add...
by NAVigator
Sun Mar 02, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chart showing what percentage needed to recover
Replies: 10
Views: 754

Re: Goodbye HAL

HAL inspired many dreams. I started with punch cards on a IBM mainframe and then 6502 assembly language on a Commodore 64 with cassette tapes for storage. Then on to Dos, Windows 3.0, 3.1, 95, 98, ME, XP, 7. I might have left out one or two. Unix, Linux distros of various flavors. Desktops, laptops,...
by NAVigator
Sat Mar 01, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Goodbye HAL
Replies: 35
Views: 2301

Re: Stretch IRA book

Indeed, the restrictions on withdrawals and the dates involved create a difficult procedure for the beneficiary to follow. It seems that few articles provide a comprehensive treatment. This information presents an opportunity for the Wiki to become a valuable resource for stretch IRA rules and conce...
by NAVigator
Sat Mar 01, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stretch IRA book
Replies: 5
Views: 478

Re: Stretch IRA book

Thank you, AndrewXnn, for posting these links. Together they present the information in a concise and understandable manner. My goal is to provide this to my two children who will inherit IRAs as part of my estate. Despite their careers as a network systems administrator and a research scientist, th...
by NAVigator
Sat Mar 01, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Stretch IRA book
Replies: 5
Views: 478

Stretch IRA book

I have read a couple books by Ed Slott on the topic of stretching an IRA. Each time I delve into this topic, I feel like a lab rat following the twisting path of a maze as I try to find the cheese. The rules and tax laws add much complexity to this process with many special situations and conditions...
by NAVigator
Sat Mar 01, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Stretch IRA book
Replies: 5
Views: 478

Re: Estate Sales

I have gone to quite a number of estate or tag sales in the past couple of years. It is always fascinating to see the interests of the previous owners. I know that the possessions at such sales were important to the people. Otherwise they would have gone into garage sales or ended up at Goodwill. I ...
by NAVigator
Fri Feb 28, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Estate Sales
Replies: 23
Views: 2291

Re: Cruel math

When I woke up this morning it was -10 degrees. It is predicted to warm up today to 20 degrees. Thus it will become -2 times as warm as when I awoke.

Math is cruel indeed! :wink:

Jerry
by NAVigator
Wed Feb 26, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 2803

Re: Adding cash to rollover when retired/disabled?

From Pub 590: Kay Bailey Hutchison Spousal IRA Limit " For 2013, if you file a joint return and your taxable compensation is less than that of your spouse, the most that can be contributed for the year to your IRA is the smaller of the following two amounts: * $5,500 ($6,500 if you are age 50 o...
by NAVigator
Wed Feb 26, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Adding cash to rollover when retired/disabled?
Replies: 8
Views: 363

How to convince family & friends to use Boglehead Method?

Sometimes the motivations for sharing the Boglehead method are slightly different from what is posed here. I am now single and have two adult children. Someday, they will inherit equally from me. When they do, I want my estate to help them achieve a comfortable retirement. My motives for sharing thi...
by NAVigator
Sun Feb 23, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4205

Re: best tips for passwords?

a question: how safe is it to leave Keepass or Lastpass up and running whilst one is surfing? It is certainly more convenient just to leave it open as you go from site to site, checking your email, banks, financials etc. But, does that leave you open to someone accessing your password db? I use Kee...
by NAVigator
Wed Feb 19, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8454

Re: moving from Fidelity to Vanguard

Be aware that Fidelity will probably ding you for a $20 transfer fee. This probably applies to each of the accounts. I rolled my 401k from Fidelity to Vanguard and it was worth the fee to have all these investments together.

Jerry
by NAVigator
Tue Feb 18, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: moving from Fidelity to Vanguard
Replies: 15
Views: 1522

Re: Do you balance your checking account?

Now I know for sure I'm an old-timer. The very question strikes me as absurd. Lev My thoughts exactly. The first thing I thought was "of course I do". I cannot imagine not balancing it. I've caught way too many mistakes in the past to give it up. I reconcile my checking account with what ...
by NAVigator
Sun Feb 16, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4899

Re: What are your favorite browser extensions?

I enhance Firefox with the following extensions;

Dictionary Lookup Extension
Make Link
Print Pages to PDF
Scroll to Top/Bottom

Jerry
by NAVigator
Sat Feb 15, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1691

Re: MPT, Markowitz, Efficient Frontier and Vanguard, NOT!

Research papers are generally published for review in various journals such as the Journal of Financial Planning or the Journal of Finance . Ideas are generally published in books. Opinions, well, like noses, everyone has one. Research studies, ideas, and opinions all have an appropriate place. This...
by NAVigator
Sat Feb 15, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: MPT, Markowitz, Efficient Frontier and Vanguard, NOT!
Replies: 66
Views: 3440

Re: Great Finance History Book

Just bought it for your reasons 1, 2, and 3. For me, there is also reason #4; the endorsement by one of my favorite authors. Thank you Dr. Bernstein!

Jerry
by NAVigator
Fri Feb 14, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4162

Re: Pet peeve: When people refer to this forum as "Bogglehea

I suspect that Dan Wiener, the editor of The Independent Adviser for Vanguard Investors (the one with outlandish advertising), gets his name misspelled as well, perhaps deliberately. :wink:
by NAVigator
Thu Feb 13, 2014 1:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2431

Re: FORUM'S UPCOMING 6TH BIRTHDAY

Mel Lindauer wrote:On Febuary 19th, the forum will celebrate it's 6th birthday. What an amazing trip it's been! Founded in 2007...

Wouldn't this be the 2014-2007 = 7th birthday?


[edit] The rest of the numbers look really great!
by NAVigator
Wed Feb 12, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: FORUM'S UPCOMING 7TH BIRTHDAY
Replies: 23
Views: 1341

Re: Unusual PKZip Problem Running Under WinXP

I believe PKZip allows the use of a "list" file to help with debugging such problems.

Jerry
by NAVigator
Mon Feb 10, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Unusual PKZip Problem Running Under WinXP
Replies: 8
Views: 466
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