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Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences. In a case like this I would rename the file or folder and see if there are unintended consequences. If ...
by SpringMan
Fri Aug 22, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 25
Views: 1665

Re: Which Vanguard BOND Fund ?

Rather than pay the .25% purchase fee for VICSX, I would avoid the fee and buy the ETF, VCIT. That said, I don't own either. I own the short term corp index, VSCSX, no purchase fee for it. I am also an owner of VBTLX, total bond market index.
by SpringMan
Thu Aug 21, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 2996

Re: Bad(?) advice given about Target Date Retirement funds

I think the reason that target date funds get bad press from many financial advisors is that when people invest in them it puts the advisors out of a job.
by SpringMan
Tue Aug 19, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 74
Views: 4817

Re: Amazon.com prices change quickly

Another variable affecting price is color. I purchased a Seagate USB external disk drive. The Amazon ad defaulted to red color. There were other choices including black. Though the exact same hardware the black drive was 20 dollars cheaper. It is not always black that is cheapest either. I saw a Sam...
by SpringMan
Mon Aug 18, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 59
Views: 7476

Re: Bad(?) advice given about Target Date Retirement funds

The glide path concern does not apply to Vanguard's Target Retirement Income fund which has no glide path. My objection to the TD funds is that they do not use admiral share class for the sub-funds regardless of how much is invested. If you can afford it, it is better to use admiral shares and do yo...
by SpringMan
Mon Aug 18, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 74
Views: 4817

Re: Receiving Spam Emails Since Joining

Never received any spam attributed to Bogleheads. I do think but am not 100% sure that joining Morningstar resulted in some spam.
by SpringMan
Sun Aug 17, 2014 11:26 am
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 9
Views: 741

Re: Windows 7 PC?

Download a program called "ShouldIKeepIt". Can you post a url for this? Google searches were fruitless. Apparently people are more concerned about should they keep babies, household junk and old documents. The program was actually called "ShouldIRemoveIt" not "ShouldIKeepIt...
by SpringMan
Sat Aug 16, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2369

Re: Windows 7 PC?

I recently bought an HP Pro 13" laptop that came with Win 7 Proffesional. It came with two optical disks, one for Win 7 and one for Win 8 which I thought strange since the computer had no optical drive. I know there are cheap external optical drives available and there is also a way to copy a W...
by SpringMan
Fri Aug 15, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2369

Re: Windows 7 PC?

Windowss 98 was great, Windows 2000 was terrible. Windows XP was fantastic, Windows Vista was not. Windows 7 is the best one yet, Windows 8 is a disappointment. I guess the rule of thumb here is to skip every other OS when it comes to Microsoft. I agree in concept but it was Windows ME that was ter...
by SpringMan
Fri Aug 15, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2369

Re: Any Opinions on Mirrorless Cameras?

... I'd consider the Sony, m4/3, or Fuji systems. And if you're asking here, you don't want the Fuji system (think Leica, not P&S). ... I guess you may have missed my post where I ordered a Fuji system. I do appreciate your opinion on Fuji. I don't see where any new Panasonic G3 sells for $140 ...
by SpringMan
Thu Aug 14, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Re: Mac Airbook

I would weigh the advantages of the macbook air vs macbook pro. The first has longer battery life, the later is more powerful and has the retina screen and cost more, choose based on your needs. In most of the current macbooks, the ones with solid state drives, Apple has made it very difficult for t...
by SpringMan
Thu Aug 14, 2014 4:39 am
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3131

Re: Any Opinions on Mirrorless Cameras?

Nice summary countofmc, Samsung is another brand I looked closely at, the NX 2000 model. Amazon has a nice pink one for $299 with kit lens. Wife would like pink :happy I found several reviews where the Samsung got a refused to recognize lens error. That scarred me away from that model though the pro...
by SpringMan
Wed Aug 13, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Re: Why is Bank of America so hated?

Listeners to Clark Howard know he calls BoA a "monster mega-bank". He has nothing good to say about them. Today's Clark Howard podcast discussed how Wells Fargo tried to trash a mortgage holders credit rating over 70 cents. The wife had been paying the mortgage which was apparently $1500.7...
by SpringMan
Wed Aug 13, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2378

Re: Any Opinions on Mirrorless Cameras?

Thanks all,
Just submitted my order for the Fuji X-A1 with the two lenses mentioned above. Hope it is not a mistake.
Wife said go for it :happy .
by SpringMan
Wed Aug 13, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Re: Any Opinions on Mirrorless Cameras?

LEICA M body only at Amazon is $6950. No doubt a terrific camera but too rich for my blood :happy .
by SpringMan
Wed Aug 13, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Re: Any Opinions on Mirrorless Cameras?

I found a Fuji X-A1 camera with two lenses, Fuji 16-50 f3.5-5.6 and Fuji 50-230 f4-f6.7 on Amazon for $499. Now sitting in my Amazon basket. On the down side, Amazon says it could take 3 weeks or more. The Olympus OMD is one of the best but is higher than my budget. Still have not pulled the trigger...
by SpringMan
Wed Aug 13, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Re: Any Opinions on Mirrorless Cameras?

Thanks, I have always been a fan of Olympus cameras. The EP3 is still available on Amazon for a reasonable price. This will be on my shortlist. Panasonic G3 micro 4/3 is too.
by SpringMan
Wed Aug 13, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Any Opinions on Mirrorless Cameras?

We are down to one camera, a Pentax DSLR, which I use and like a lot. My wife does not feel comfortable with using large DSLR style cameras so we started looking at smaller mirrorless cameras. Have looked at Canon EOS M which can be small with a pancake lens and can be purchased for only about $300....
by SpringMan
Wed Aug 13, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2025

Re: RBD here yet? (DOW -300points drop)

If the drop continues tomorrow, we could see some buying opportunities, yes... I would say that if we have 5 days in a row like today, none of them would be RBDs. That does not mean that after 5 days of such there would not be some rebalancing opportunities. Here is a list of ETFs that I have progr...
by SpringMan
Thu Jul 31, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5081

Re: Partial Roth conversion questions

At Vanguard you can do this online if both the tIRA and Roth exist at Vanguard. When moving from one mutual fund in a tIRA to another in a Roth IRA, I move a specific dollar amount. Otherwise you lose control of the dollar amount when dealing with shares. With ETFs you need to deal with share amount...
by SpringMan
Wed Jul 30, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Partial Roth conversion questions
Replies: 7
Views: 629

Re: Anyone here use Personal Capital?

I signed up after hearing a commercial for it on TWIT podcasts. They have not hounded me to so far. I have not figured out how to delete my bank accounts, once entered. I only want to see my investment and retirement accounts. They send an email once a week with how your accounts have done in the pa...
by SpringMan
Tue Jul 29, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5440

Re: Tell me why I shouldn't buy individual muni bonds

It could make sense. Remember buying individual bonds are not Vanguard products so would not be considered in calculating your Flagship client status. If removing 500,000 dollars from Vanguard products will not change your client status, and you don't mind the additional complexity and plan to remai...
by SpringMan
Tue Jul 29, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 32
Views: 2357

Re: Vanguard sued for charging too little

This reminds me of the days when you could take your burnt out light bulbs back to Detroit Edison and get free replacements. Some pharmacy sued and won and the policy was abolished. A dumb law suit in my opinion.
by SpringMan
Sun Jul 27, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 173
Views: 19174

Re: Equity Income Fund Good Performance

We own the admiral shares, VEIRX. A great fund with an expense ratio is .21%. It has under performed the S&P 500 over the last one year but not the 3 year, 5 year, or 10 year. It is a good proxy for the stock sleeve of Wellington and Wellesley funds. There are some that think the duration of the...
by SpringMan
Sun Jul 27, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Equity Income Fund Good Performance
Replies: 3
Views: 368

Re: VWENX vs. VFIAX?

They are not comparable at all, not the same type of investment. Vanguard Windsor Admiral, VWNEX, is a large cap value stock fund, 80% U.S stocks & 20% international stocks. link . Vanguard Total Intl Stock Index Admiral, VTIAX, all sizes of companies, with almost all international stocks and a...
by SpringMan
Wed Jul 23, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX vs. VFIAX?
Replies: 5
Views: 370

Re: VG Admiral Fund-falling below minimum investment

Regarding the suggestion of converting the mutual fund to an ETF, it should be pointed out Vanguard will not allow such conversions on their bond funds. Works as described above on their stock funds, that is it is free and not a taxable event. Furthermore the conversion works for investor shares as ...
by SpringMan
Mon Jul 21, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3376

Re: Favorite Athlete

Gordie Howe, despite the fact the his wife was into Amway.
by SpringMan
Sun Jul 20, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 828

Re: POLL: Walmart vs Amazon

You have the right to extrapolate the "jerk in you mind story" to every rule out there. I can assure you we had no sinister motive to us arriving 15 minutes early. Believe me the customer relations exhibited by the door person did not reflect favorably on Sam's. My mind controls my behavi...
by SpringMan
Mon Jul 14, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8525

Re: POLL: Walmart vs Amazon

I have a different attitude toward rules. A good friend told me the story of a school performance where the doors were to open at 9:30. At 9:15, an elderly gentleman asked if he could go in to use the bathroom. They let him in, and when the doors opened at 9:30, he was sitting in the front row savi...
by SpringMan
Mon Jul 14, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8525

Re: POLL: Walmart vs Amazon

Another annoyance at Sam's Club is after going through the checkout and paying for the merchandise you are stopped by the door person and rechecked to make sure you have not stolen any merchandise. Costco, a store which I like, does the same thing. Most retail stores don't do this to every shopper. ...
by SpringMan
Mon Jul 14, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8525

Re: POLL: Walmart vs Amazon

I voted Amazon. I understand Walmart is the main big anchor box store in many cities and perhaps the lowest cost brick and mortar store. I recently received as a gift a membership to Sam's Club and have been totally disappointed. They had gas 3 cents higher than the Marathon station we passed on th...
by SpringMan
Mon Jul 14, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8525

Re: POLL: Walmart vs Amazon

I voted Amazon. I understand Walmart is the main big anchor box store in many cities and perhaps the lowest cost brick and mortar store. I recently received as a gift a membership to Sam's Club and have been totally disappointed. They had gas 3 cents higher than the Marathon station we passed on the...
by SpringMan
Mon Jul 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8525

Re: What to do with old Macbook Pro?

I just donated a Computer, removed HD bought a box and now that HD is a very adequate external BU drive (boxes can be purchased with both EIDE and USB 3 cables for about $30). This was a INTEL computer but reasonable same can be done with MAC hardware. Newer Macs are INTEL computers too. I assume y...
by SpringMan
Sat Jul 05, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1867

Re: What to do with old Macbook Pro?

Just a heads up, If you plan to replace your machine with a new MacBook pro. I have been looking into the new MacBook pro with retina screen. Apparently many users are experiencing ghosting problems where previous screens images are appearing as faint background images. They can be removed using a s...
by SpringMan
Fri Jul 04, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1867

Re: Should I buy a Kindle Fire?

In my opinion, the Kindle fire would be redundant if you own an iPad. Load the Kindle app on your iPad and you are all set. If you said your wanted a Kindle paper white primarily for reading books I would say go for it. The Kindle paper white has e-ink which allows reading in all lighting conditions...
by SpringMan
Sat Jun 28, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a Kindle Fire?
Replies: 20
Views: 1143

Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

Loved the video. Never heard the blueberry pie explanation regarding the benefit of simple portfolios. My portfolio leaves too much blueberry mess left on my plate :) . I wonder if, other than overlap and difficulty managing complex portfolios, do they really leave blueberries (dollars) behind (left...
by SpringMan
Tue Jun 24, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3251

Re: Retirement age for software engineers

Depends on the company. Older software engineers are likely higher paid and can be replaced with less expensive younger employees. Many companies don't have qualms about laying off older workers and replacing them with recent graduates. Once laid off, older age can be a handicap finding a new job. I...
by SpringMan
Tue Jun 24, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9771

Re: Expense Ratio - what's too high?

I draw the line around .8%. I am happy when the total return for a fund is in the top 25% of similar funds. I guess I have not drunk enough of the koolaid, but this allows holding some very good funds like PIMIX at .45%, PRWCX at .73%, BERIX at .68%, and GLRIX at .79%. Sorry for all the ticker symbo...
by SpringMan
Mon Jun 16, 2014 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2834

Re: 30 advantages of Index Funds: Merriman

Index funds are relatively easy to choose. There are more than 10,000 actively managed mutual funds in which you could invest – making your selection a daunting choice unless you have “help” from a salesperson. In contrast, there are fewer than 100 index funds. I don't agree there are fewer than 10...
by SpringMan
Fri Jun 13, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: 30 advantages of Index Funds: Merriman
Replies: 12
Views: 1234

Re: Any [iPhone] "Apps" you like?

Another useful app is a flashlight app, there are many of them. They turn your camera flash into a flash light which can be helpful when caught in the dark. If you have iOS 7 or greater than a flashlight is now built into the OS under the Control Center, and unless you have an iPhone 4 or earlier I...
by SpringMan
Thu Jun 12, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4144

Re: Any [iPhone] "Apps" you like?

Another useful app is a flashlight app, there are many of them. They turn your camera flash into a flash light which can be helpful when caught in the dark.
by SpringMan
Wed Jun 11, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4144

Re: Any "Apps" you like?

Gas Buddy is useful to find cheapest gas.
I use a Battery app to display battery usage.
Vanguard has an app.
I listen to many free podcasts.
by SpringMan
Mon Jun 09, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4144

Re: POLL: Do/did you get a match? How much?

I answered no match based on my last employer. At a previous employer I did get a small match. Survey does not consider the case of multiple employers over a long career.
by SpringMan
Fri Jun 06, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4219

Re: "The Thin Green Line"

Mr. Bogle was certainly a handsome young lad in that circa 1975 photo.
by SpringMan
Fri Jun 06, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: The thin green line
Replies: 12
Views: 1052

Re: ETF vs Mutual Fund? just noticed

VISAX is Virtus International Small-Cap A, I am sure you meant VSIAX and made a typo. As others have said Vanguard mutual funds can be converted to ETFs without creating a taxable event but not vice versa. Of course, in a tax advantaged account, you could sell and buy either way without tax conseque...
by SpringMan
Tue Jun 03, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Fund? just noticed
Replies: 5
Views: 616

Re: what is your average Morningstar rating

Morningstar portfolio mgr gives an average of 4.16. Some of our Fidelity Spartan Advantage funds have not been rated yet.
by SpringMan
Mon Jun 02, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is your average Morningstar rating
Replies: 11
Views: 785

Re: VGD Intermediate corp bond vs total bond

VICSX has a .25% purchase fee, that would be a deal breaker for me. If you want that fund, the ETF version, VCIT, would avoid the fee.
by SpringMan
Mon Jun 02, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: VGD Intermediate corp bond vs total bond
Replies: 7
Views: 589

Re: Total Bond Index Fund amd Retirement

mptfan wrote:principle ..... principal.

Good point, I should have used principal. Principle may be easier to conserve or maybe not. :happy
by SpringMan
Sun Jun 01, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2011

Re: Total Bond Index Fund amd Retirement

The assumption that it would preserve the principle may not be valid. If interest rates were to rise, you will lose principle. This can be true to a lesser extent even reinvesting the dividends.
by SpringMan
Sun Jun 01, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2011

Re: Telecom Quandary

Verizon has the best coverage in the USA, it uses CDMA which won't work in Europe. You don't need Verizon directly, Page Plus Cellular uses Verizon's network at a much more reasonable cost. I bought a LG flip phone from Page Plus for $20. For $10.75 I bought 100 minutes that are good for four months...
by SpringMan
Sat May 31, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Telecom Quandary
Replies: 14
Views: 1215
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