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Re: Cost Basis after Vanguard Transfer

I had a similar problem during a transfer from another broker to Vanguard and also when changing some Berkshire shares from A to B shares within Vanguard. In both cases, the cost basis was not transferred. Instead zero appeared as the cost basis. You can solve the problem quickly by just calling up ...
by StoneReader
Mon Jun 23, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Cost Basis after Vanguard Transfer
Replies: 7
Views: 430

New Paper: Real estate and rising sea levels

According to the authors, many factors are contributing including sea level rise, coastal land dropping south of Long Island Sound/CapeCod associated with Ice Age ground rebound north of there, ground compaction and groundwater withdrawal. Add in some global warming and the authors predict damaging ...
by StoneReader
Wed Jan 15, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate and rising sea levels
Replies: 49
Views: 3045

Heat Kills Sick, Cold Kills Healthy People

In both heat and cold, deaths were caused mostly by heart attacks, strokes, and asthma attacks—results of the stress placed on the body’s cardiovascular and respiratory system by maintaining core temperature in extremis. But looking at mortality figures over time the economists found a key differenc...
by StoneReader
Wed Jan 08, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Heat Kills Sick, Cold Kills Healthy People
Replies: 8
Views: 1323

Pricing & Buying Health Insurance Now

If you know someone trying to price and buy health insurance now like one of my kids, this new website may be the way. Bob could simply have used healthsherpa.com – which does include the subsidy calculations. This is so cool. Three twenty-year-olds did it in their spare time over a few nights and w...
by StoneReader
Mon Nov 11, 2013 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Pricing & Buying Health Insurance Now
Replies: 7
Views: 732

Re: Carpenter Ants Anyone?

Like 123, I use a water solution of 20 Mule Team Borax Laundry Booster and table sugar, both bought at the local grocery store. If you look at the ingredients on the Terro box, it is a 5.4% solution of borax by weight in water with enough sugar added to make it slightly syrupy. Since the borax weigh...
by StoneReader
Mon Oct 07, 2013 9:03 am
 
Forum: Personal Consumer Issues
Topic: Carpenter Ants Anyone?
Replies: 39
Views: 3967

Real Returns in Next 40 Years: Rob Arnott

How can one position their portfolio if this scenario is accurate?? The massive demographic tail winds (World & USA population tripled) of the past 60 years are behind us. Future economic growth in the next 40 years will be much slower and further hindered by a soaring population of dependents, ...
by StoneReader
Thu Sep 12, 2013 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Real Returns in Next 40 Years: Rob Arnott
Replies: 18
Views: 1791

GMO Predictions for EM: +6% Real Return

For what it is worth, GMO (05/31/2013) is predicting +6.2% REAL equity returns for emerging market equities over the next 7 years, the highest return of any asset class that they consider. They base their projections on the Gordon Equation and a return to historical average valuations for the asset ...
by StoneReader
Fri Jun 14, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Sub-emerging Markets: All that's left is the crying
Replies: 62
Views: 6280

Investing in the New Normal 2PM June 11

Probably a bearish slant on the markets with some arguments against "Buy & Hold". http://www.hussmanfunds.com/wmc/wmc130610.htm just a note – On Tuesday, June 11, I’ll (John Hussman) be joining John Mauldin, Kyle Bass, Mohamed El-Erian, Barry Rithholz and David Rosenberg in a free onli...
by StoneReader
Mon Jun 10, 2013 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Investing in the New Normal 2PM June 11
Replies: 5
Views: 1009

Re: Using Cell Phone in Bahamas

See Tobias's column today about AT&T charges on a 4-day trip to Barcelona http://andrewtobias.com/column/solar-power/ Yet I feel sure AT&T is working to find a way to charge us for it anyway. (Don’t get me started.) (Okay, okay, they wanted $494 for four days during which I made no calls and...
by StoneReader
Wed May 01, 2013 7:59 am
 
Forum: Personal Consumer Issues
Topic: Using Cell Phone in Bahamas
Replies: 7
Views: 1349

Forget Sudoku

One of the biggest problems we are facing now, and certainly in the future, is dementia and Alzheimer disease. It is estimated that by the time we reach our mid-80s, 15% of Americans will have that diagnosis, and the cost is well over $5 billion and likely to rise. Everything that has been tried to...
by StoneReader
Mon Apr 08, 2013 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Cognitive decline and financial matters
Replies: 65
Views: 4290

A Limit

Unfortunately, there is a limit to all good things. Note that the study just covers people 40 years and older. Compared to overall averages, life extension plateaus at ~4.5 years versus exercising volume. Your best marginal return of 800% comes in the first 15 METs (metabolic equivalents) per week. ...
by StoneReader
Wed Mar 20, 2013 9:19 am
 
Forum: Personal Consumer Issues
Topic: 1 Minute of Exercise Could Lengthen Life by 7 Minutes
Replies: 24
Views: 1753

1 Minute of Exercise Could Lengthen Life by 7 Minutes

http://commonhealth.wbur.org/2013/03/minutes-exercise-longer-life The relation holds up to 15 METs per week (see supplementary Fig S1 in referenced paper). Running for an hour gives you 9 hours of extra life. Brisk walking for an hour gives you 2.9/8 X 9 = 3.2 hours of extra life. Biking for an hou...
by StoneReader
Wed Mar 20, 2013 8:42 am
 
Forum: Personal Consumer Issues
Topic: 1 Minute of Exercise Could Lengthen Life by 7 Minutes
Replies: 24
Views: 1753

"Investing" in Diamonds? Instant Loss +50%

The question of buying a diamond comes up periodically on the Bogleheads. This is a good overall truthful article on the subject. Retail jewelers, especially the prestigious Fifth Avenue stores, prefer not to buy back diamonds from customers, because the offer they would make would most likely be co...
by StoneReader
Fri Mar 15, 2013 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in Diamonds? Instant Loss +50%
Replies: 1
Views: 596

Re: Jeremy Grantham on Charlie Rose

Thank you for posting this.

It is now on Charlie Rose site: http://www.charlierose.com/view/interview/12812
by StoneReader
Tue Mar 12, 2013 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham on Charlie Rose
Replies: 3
Views: 1109

Re: I hit my number today.

Gordon, Congratulations; take a break and enjoy the view. Your next numeric goal is 115 and I hope that you make that too. Best regards, Tom

http://en.wikipedia.org/wiki/Walter_Breuning
by StoneReader
Thu Mar 07, 2013 10:01 am
 
Forum: Investing - Theory, News & General
Topic: I hit my number today.
Replies: 74
Views: 7359

Mac Mini instead of iMac for DIY Inclined

My son owns a computer business and they only buy Mac Minis now. He told me that the new iMacs are glued together and you can not get into them anymore to replace things like bad hard drives. The advantage of a Mini is that you can still open them and easily replace a defective hard drive or even up...
by StoneReader
Mon Mar 04, 2013 10:38 am
 
Forum: Personal Consumer Issues
Topic: iMac or PC (windows)
Replies: 46
Views: 2144

After Tax Returns

Another factor to consider in the real world is the difference in AFTER-TAX returns between Berkshire and the S&P500. Since Berkshire has a policy of no dividends (see page 19 of this year's annual report for a re-explanation and illustration), it's after-tax returns exceed the S&P500 even i...
by StoneReader
Mon Mar 04, 2013 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Market > Buffet's BRK - Indexing wins again.
Replies: 21
Views: 3120

A Tax Advantage in a Tax-Advantaged Account

If you have more than ~$300 (single) or $600 (filing jointly) in foreign income, you can save yourself a lot of trouble on your taxes if you have your foreign stocks in a tax-advantaged account. You are supposed to file a separate Form 1116 for each country that you received foreign income from, onc...
by StoneReader
Mon Feb 18, 2013 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Foreign tax drag on international in tax-advantaged?
Replies: 16
Views: 753

Re: Turbotax Premier, K-1s and Passive Activity Losses

I had the same worries that you did about K-1s and Passive activity with regards to Turbotax. The free version works just as well as the Premier one. In fact, I find the free one is more transparent and actually easier to work with because the Premier version overlays a lot of layers purportedly to ...
by StoneReader
Mon Feb 11, 2013 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Premier, K-1s and Passive Activity Losses
Replies: 4
Views: 500

Saddle Valves & Whole House Humidifiers

I have an Aprilaire with an outside thermometer and it works well. Once a year or so, the temperature will drop rapidly outside and we will get moisture on the windows because the humidity could not drop as fast. Otherwise, there is no condensation. I only turn it on for January and February in Upst...
by StoneReader
Tue Jan 08, 2013 9:27 am
 
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 11889

Re: Antivirus for Mac?

I have been using the free Sophos antivirus software and have not had any problems so far. Also I use the free extension WOT to prescreen web sites when doing a search. Red, Green and Neutral Lights appear next to each website when you do a search. The classification is based on other people's exper...
by StoneReader
Fri Nov 09, 2012 9:49 am
 
Forum: Personal Consumer Issues
Topic: Antivirus for Mac?
Replies: 17
Views: 1342

Re: Asness on Shiller PE

Nice clear article; I have always liked the way former University of Chicago professor, Cliff Asness, thinks and writes. Thanks for posting.
by StoneReader
Wed Nov 07, 2012 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Asness on Shiller PE
Replies: 11
Views: 1352

Wait If You Can

I too have poured gasoline down their nest hole around dusk and then threw a brick over it. It eradicated them every time. However, once I had a big nest under a pile of logs and was notified by our town building inspector to move the pile because it was in a potential flood abatement area. So I cou...
by StoneReader
Fri Oct 05, 2012 7:29 am
 
Forum: Personal Consumer Issues
Topic: Nasty Job (Yellow Jackets)
Replies: 31
Views: 3617

Vacuuming May Not Work With Large Leaves

MathWizard, What kind of leaves do you have in your gutter? Vacuuming gutters may not work with large leaves, e.g. maples, oaks, etc. if this video on YouTube http://www.youtube.com/watch?v=VTr06vcmPtU is accurate. The person has a 6.5HP shop vacuum and 2.5" diameter GutterClutterBuster tubes l...
by StoneReader
Thu Sep 27, 2012 10:18 am
 
Forum: Personal Consumer Issues
Topic: Gutter Issues and Suggestions Needed
Replies: 22
Views: 2375

2nd Story Vacuum

This site shows a shopvac and an extension that they sell taking leaves out of a very high second story gutter. They recommend a 6.5HP shopvac to use with their pipes. https://www.gutterclutterbuster.com/product.php Our brand new Extensions are 4 1/2' long. With the Gutter Clutter Buster® kit, a 6' ...
by StoneReader
Wed Sep 26, 2012 9:25 am
 
Forum: Personal Consumer Issues
Topic: Gutter Issues and Suggestions Needed
Replies: 22
Views: 2375

Andy Tobias Website

Someone might not know that Andy Tobias also runs a website that is updated daily and which usually contains some of his current stock speculations. He seems to be a closet speculator rather than a closet indexer. He seems to be well connected in NYC to the hedge fund crowd. http://andrewtobias.com/...
by StoneReader
Mon Sep 17, 2012 9:37 am
 
Forum: Investing - Theory, News & General
Topic: A Gem: "The Only Investment Guide You'll Ever Need"
Replies: 28
Views: 3773

Flexibility

My mother is 97 and still living in her own house near St Petersburg Florida. She is healthy but she has become frail and lost her confidence so she feels that she needs someone there 24 hours a day. An agency (Bayshore) provides unskilled caretakers/companions at a cost of $11,000 per month or $132...
by StoneReader
Mon Sep 10, 2012 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: "Self-Insuring For Long-Term Care."
Replies: 62
Views: 6939

Pimco's Gross: If I Were an Individual Investor

Too low interest rates provide no incentive to loan; double digit portfolio returns were an artifact of the age of credit expansion; inflation ahead. http://www.pimco.com/EN/Insights/Pages/The-Lending-Lindy.aspx When yields are too low, and acceptable risk spreads so narrow that top line interest re...
by StoneReader
Wed Sep 05, 2012 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Pimco's Gross: If I Were an Individual Investor
Replies: 12
Views: 2005

Color of Print

Does the color of the new printing on the Vanguard site bother anyone else? I feel like I'm reading an ancient deteriorating palimpsest. I have never seen that the new orange-brown print color on any commercial website before, probably for a good reason. http://i46.tinypic.com/2cor149.png
by StoneReader
Fri Aug 17, 2012 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Problems with Vanguard's New Site
Replies: 42
Views: 8453

Kill Black Gunk with White Vinegar

We developed a problem with our drains getting blocked with some type of black gooey gunk. Mechanical means only temporarily cleared the problem. Long sections of the pipe would get blocked with this goo that started on the pipe walls and grew inward. It kept coming back. Sinks would back up and ove...
by StoneReader
Wed Aug 08, 2012 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Clogged Pipes
Replies: 29
Views: 2149

Normal-->BiModal Returns: Implications

http://www.pimco.com/EN/Insights/Pages/Secular-Outlook-Implications-for-Investors-2012.aspx Will our Boglehead ideas on beta-driven indexing and diversification across asset classes work in a new world with bimodal rather than normal distributions of returns? PIMCO does not think so. At a minimum, ...
by StoneReader
Fri Jul 27, 2012 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Normal-->BiModal Returns: Implications
Replies: 1
Views: 172

Hard Water Protects Against Heart Attacks

http://men.webmd.com/news/20040114/hard-water-protect-against-heart-attacks Hard Water Helps Hearts For years, researchers have been puzzled by seemingly unexplainable differences in the frequency of heart disease across Finland. For example, heart disease rates have been 40% higher in the eastern ...
by StoneReader
Wed Jul 25, 2012 9:16 am
 
Forum: Personal Consumer Issues
Topic: Water softener replacement....saltless water softeners?
Replies: 17
Views: 2206

Desk Jockeys Will Love This

Zoe Harcombe claims the the conclusion, “physical inactivity seems to have an effect similar to that of smoking.”, in Lancet is "not credible". http://www.zoeharcombe.com/2012/07/inactivity-killing-as-many-as-smoking-really/#utm_source=feed&utm_medium=feed&utm_campaign=feed "I...
by StoneReader
Mon Jul 23, 2012 6:12 pm
 
Forum: Personal Consumer Issues
Topic: NYT: Is Sitting a Lethal Activity?
Replies: 111
Views: 15513

Turn Over & Reuse

I have a pressure-treated pine wood deck facing south with a white house wall behind it so the deck gets a lot of sun exposure. When the 20X12' deck got to be about 25 years old, the wood surface had deteriorated and was cracking and splintering. So I decided to replace it and ran into two problems....
by StoneReader
Mon Jul 23, 2012 9:55 am
 
Forum: Personal Consumer Issues
Topic: Rebuilding deck - what material to use?
Replies: 48
Views: 7457

Consumer Reports Ratings

In the May 2012 Consumer Reports, there is a review of the repair records of AC and heat pumps from a survey of 40,000 readers. You can read it at your local library or buy a subscription. There was a big difference between AC installations done by new home builders with a 19% failure rate compared ...
by StoneReader
Fri Jul 20, 2012 9:55 am
 
Forum: Personal Consumer Issues
Topic: central air systems
Replies: 30
Views: 2873

A Portfolio of Standing and Sitting

To add to Victoria's choices, another amusing way to look at this research is ask the same question that we do about our investments. Where is the optimum point on the Efficient Frontier for a portfolio consisting of mixtures of standing and sitting? If there is no risk to standing and a reported ri...
by StoneReader
Wed Jul 11, 2012 8:12 pm
 
Forum: Personal Consumer Issues
Topic: NYT: Is Sitting a Lethal Activity?
Replies: 111
Views: 15513

Wall St Journal's Take on Sitting Too Much

http://online.wsj.com/article/SB10001424052702303343404577516853567934264.html?grcc=6c417d49e2650df647768819ed0bfef6Z3ZhpgeZ0Z6Z61Z3Z2&mod=WSJ_hpp_sections_health The meta-analysis comes just two years after Australian researchers found that people who said they watched TV for more than four ho...
by StoneReader
Tue Jul 10, 2012 8:51 pm
 
Forum: Personal Consumer Issues
Topic: NYT: Is Sitting a Lethal Activity?
Replies: 111
Views: 15513

The Latest on Sitting from British Medical Journal?

http://bmjopen.bmj.com/content/2/4/e000828.full Sitting more than 3 hours a day increases total mortality by 45% or equivalently reduces your life span by 2 years. Almost as dangerous as smoking. Sitters are sure to experience cognitive dissonance :happy . Is it true? Who knows for certain but as t...
by StoneReader
Tue Jul 10, 2012 2:32 pm
 
Forum: Personal Consumer Issues
Topic: NYT: Is Sitting a Lethal Activity?
Replies: 111
Views: 15513

Re: Genworth Long Term Care

The principal risk with long-term products from Genworth will be Genworth's financial survival. GE Capital packaged all of its questionable insurance subsidiaries into GNW and sold it to the public in 2004 at ~$20 share after failing to sell them privately to other insurance/financial companies. Sha...
by StoneReader
Fri Jul 06, 2012 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Genworth Long Term Care
Replies: 16
Views: 2817

Re: NYT: Is Sitting a Lethal Activity?

After two years of standing on my wobble board at my computer, I'm still around at 71. So maybe the cardiovascular benefit is true? Over the longer term, the main observable effects are that your posture, both standing and when you do sit, e.g. in a car, noticeably improves. And any twinges suggesti...
by StoneReader
Wed Jun 27, 2012 10:26 am
 
Forum: Personal Consumer Issues
Topic: NYT: Is Sitting a Lethal Activity?
Replies: 111
Views: 15513

Protection from Filial Care Lawsuits?

Does anyone know how to protect one' s assets from these filial liability laws? It appears that we may have unlimited liability for medical and nursing home care for both parents AND adult children. The PA case resulted from an auto accident, not aging. Where are your parents or your kids located? I...
by StoneReader
Thu May 31, 2012 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protection from Filial Care Lawsuits?
Replies: 12
Views: 2810

First Do the Numbers

DeBeer's annual diamond sales are ~ $5+ billion. So sales over the 1994 to 2006 period total about $60 billion. The settlement is for $295 million

On average, you'll get back 295/60,000 = 0.5%. So if you bought a diamond for $1,000, expect to get $5 if you bothered to file a claim in 2008.
by StoneReader
Wed May 30, 2012 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debeers Class Action Lawsuit - Get some money back
Replies: 42
Views: 6929

Re: What's Your Risk IQ?

Tetractys, You're right. There apparently is a Risk IQ filter on who lurks around the Vanguard site. The poll shows us doing much better than the 38,000 other people that took this test. Or does it show some other psychological behavior , e.g. a reluctance to post a bad score? :happy ("High&quo...
by StoneReader
Sun May 27, 2012 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your Risk IQ?
Replies: 50
Views: 4493

Re: What's Your Risk IQ?

How can it matter whether you "evaluate your opportunity every time?" if it's a negative-sum game you are going to lose money anyway. I think that the author was talking about horse-race betting and poker (have not read his book); although the former is a hugely negative sum game (-20% in...
by StoneReader
Sun May 27, 2012 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your Risk IQ?
Replies: 50
Views: 4493

Re: What's Your Risk IQ?

Nisiprius, Thanks for the suggestion; I inserted a poll at the top. Stone
by StoneReader
Sun May 27, 2012 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your Risk IQ?
Replies: 50
Views: 4493

What's Your Risk IQ?

Note: this has nothing to do with conventional IQ. Risk Intelligence: How Gamblers, Weather Forecasters, Doctors, Investors, etc. Assess Probabilities. - Slate Magazine http://www.slate.com/articles/health_and_science/new_scientist/2012/05/risk_intelligence_how_gamblers_and_weather_forecasters_asses...
by StoneReader
Sun May 27, 2012 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your Risk IQ?
Replies: 50
Views: 4493

Fat Tails: When 300,000 = ~1

There is an interesting fat-tail figure (Fig 5) in this Pimco Paper on how large a portfolio loss that you can afford to lose versus your chronological age (only a ~12% loss at 65). What should occur once in 300,000 years according to a normal distribution of stock market returns actually occurs alm...
by StoneReader
Fri May 25, 2012 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Fat Tails: When 300,000 = ~1
Replies: 7
Views: 919

Re: Hair clippers? Any self-barbers out there?

I've used my original Flowbee for 15 years after I got tired bothering my wife and waiting sometimes days for her to give me a haircut. It only took a few times to perfect the technique so that the haircut looked good. Now I can do it in 10 minutes from opening up its box to putting it away. We have...
by StoneReader
Tue May 15, 2012 8:35 am
 
Forum: Personal Consumer Issues
Topic: Hair clippers? Any self-barbers out there?
Replies: 42
Views: 4321

But Someone Made $2 Billion Too

Since derivatives, e.g. SWAPs in this case, are a zero sum game, stating the obvious, JP Morgan's LOSS of $2 billion is someone else's GAIN of $2 billion. So we should be seeing some extraordinary gains in the near future from either other banks or from hedge funds. Therefore financial stocks minus ...
by StoneReader
Fri May 11, 2012 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: JPMorgan Chase loses $2 Billion
Replies: 34
Views: 2525

Free Credit Monitoring and Credit Scores

https://www.creditkarma.com/ http://www.cbsnews.com/8301-505145_162-57419809/a-better-free-credit-score-service/?tag=nl.e713 " It's been my observation that those "free offers" to obtain your credit score often end up being anything but free. In fact, one such offer took me weeks to ...
by StoneReader
Fri Apr 27, 2012 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring and Credit Scores
Replies: 3
Views: 295
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