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Re: What Book Are You Currently Reading? Part VI

Now fell there mischiefs thick. -- Thomas More, about 1519, concerning the aftermath of Richard III's bloody usurpation of the throne in 1483. Quoted in Desmond Seward's 1982 book Richard III -- England's Black Legend . You may have heard of the "princes in the tower." Richard III is susp...
by bertilak
Thu Oct 30, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9702

Re: Vanguard's Voice Recognition

Use it. Like it, but forget exactly why.

I remember that various things I did with Vanguard accounts used to involve minor authentication annoyances, but not anymore. I just don't remember what and when those annoyances cropped up!
by bertilak
Thu Oct 30, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1101

Re: Men's Personal Hygiene Products

climber2020 wrote:I'm a big fan of Arm & Hammer products. Their unscented deodorant is my favorite.

Me too!

Unfortunately it is not stocked in any local market I can find. Fortunately, I found it at Amazon.
by bertilak
Wed Oct 29, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2873

Re: “Risk and Return Within the Stock Market: What Works Bes

I always believed that Value stocks were less risky because of low market expectations. This reminds me of a thread I started back in March of 2013: Two kinds of value stocks . One of the points I brought up was that (perhaps) some value stocks are priced lower because speculators are less interest...
by bertilak
Wed Oct 29, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: “Risk and Return Within the Stock Market: What Works Best?”
Replies: 18
Views: 1913

Re: Do you dream about retirement?

I'm retired and dream about work!
by bertilak
Mon Oct 27, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 83
Views: 5457

Re: How difficult is probate court? (NYC)

re "executor." I am in the process of dealing with an intestate estate. My lawyer said that I will be appointed "administrator" not "executor" but there is no practical difference. "Executor" is just for the case where there is a will. That's California, not N...
by bertilak
Mon Oct 27, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How difficult is probate court? (NYC)
Replies: 9
Views: 1011

Re: Who says a stock is either "value" or "growth"?

There have been empirical studies showing that companies with high "book to market" (btm) values outperform companies with low btm values. "Value" is shorthand for high btm and "growth" is shorthand for low btm. It is a continuum. "Book" means adding up all th...
by bertilak
Mon Oct 27, 2014 12:08 am
 
Forum: Investing - Theory, News & General
Topic: Who says a stock is either "value" or "growth"?
Replies: 25
Views: 2033

Re: Quicken 2015 for Windows - Any reviews?

Two problems since my upgrade to 2015 (and now R3) a few days ago: ⋅ Cannot enter a note directly into a transaction in the register. You can type in the note but as soon as you hit enter or tab the text vanishes. To enter the note you must right click the transaction and select "not...
by bertilak
Sun Oct 26, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 44
Views: 4330

Re: Ham and Egger's Theory? [Buy Whatever Cap Size is laggin

... when will you know when something is done lagging? That's the heart of the problem with the proposed approach. Something might lag for 10-15 years and there you sit for all that time on an under-performer! Sure it may eventually turn around and give you a big return but that may or may not be e...
by bertilak
Sun Oct 26, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3054

Re: Bogle and dry powder

... or an investor's ability to absorb short and medium term losses. That's the heart of the matter. When there is more time to recover from a loss, the bigger the loss can safely be, remembering that "safely" is still a matter of probabilities. My point was that making AA decisions based...
by bertilak
Sat Oct 25, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Security Systems

I called ADT, my security service, and said I was offered a monitoring service at half ADT's price (it's true -- I was) and they immediately gave me about a third off. I decided to stick with them as big player and a known entity. We shopped around before getting the system installed. ADT's price w...
by bertilak
Sat Oct 25, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1079

Re: Security Systems

I called ADT, my security service, and said I was offered a monitoring service at half ADT's price (it's true -- I was) and they immediately gave me about a third off. I decided to stick with them as big player and a known entity.
by bertilak
Sat Oct 25, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1079

Re: Bogle and dry powder

About stocks having a higher expected return than bonds (or cash, for that matter): Stocks also have a higher potential downside. Investors usually want to pay the price of lower expected returns in order to protect their downside. My point its, a dry powder position is not just an emotional crutch ...
by bertilak
Sat Oct 25, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Keep My 50/50 AA -- but modify the pieces

Further question. Any thoughts on the intermediate-term bond fund (VBILX) as opposed to total bond market (VBTLX)? I thought intermediate term would be a bit more conservative but Morningstar puts it at it's highest risk level for bonds: Intermediate term: http://i59.tinypic.com/2ebsk2h.png Total bo...
by bertilak
Fri Oct 24, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Re: Keep My 50/50 AA -- but modify the pieces

I think your idea is fine. I also think the other idea is fine, but you probably don't need the tax-managed fund if you are in the 15% bracket. I think the first idea might be a bit better when you get to RMDs. With most of the stocks in taxable and Roth and all of the bonds in tIRA, there would be...
by bertilak
Fri Oct 24, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Re: Keep My 50/50 AA -- but modify the pieces

All,

Thanks for all the input. No decision yet. Still thinking but trying not to get stuck by "analysis paralysis!"
by bertilak
Fri Oct 24, 2014 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Re: Keep My 50/50 AA -- but modify the pieces

Bertilak - I believe you are retired in the 15% tax bracket if I understand and recall your posts correctly. In a low tax bracket, tax efficiency is much less of a problem. Might I suggest just keep the same allocation (50/50) in each location and keep it even simpler? You could use tax managed bal...
by bertilak
Thu Oct 23, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Re: Keep My 50/50 AA -- but modify the pieces

cfs wrote:I like the simplicity of your two-fund 50/50 plan. Good luck with your future investment decision.

Thanks. Simplicity is important to me.
by bertilak
Thu Oct 23, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Re: Keep My 50/50 AA -- but modify the pieces

It would be great to start out this way, but if you are in a higher tax bracket, it could get expensive to sell off the W in taxable. I would turn off re-investing dividends, and maybe sell off whatever amount I choose to pay taxes on each year. I wouldn't wish for a crash but that would be a good ...
by bertilak
Thu Oct 23, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Keep My 50/50 AA -- but modify the pieces

I am happy with my current 50/50 AA. It is built with a 50/50 Wellington/Wellesley portfolio. I have the Ws allocated across the three accounts to get the 50/50 AA. The portfolio is currently in three accounts, NAVs as follows, with Ws spread around to "fit" into the accounts. ⋅ ...
by bertilak
Thu Oct 23, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1175

Re: Electricity Adaptor for Europe

WHL wrote:This is the adapter I purchased for using my USA equipment in Germany: http://www.amazon.com/gp/product/B004SY ... UTF8&psc=1

I used that on a recent trip to Germany. I have no experience with other makes but the above worked just fine and I recommend it
by bertilak
Wed Oct 22, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Electricity Adaptor for Europe
Replies: 10
Views: 640

Re: Quicken/Vanguard Transaction Problems

I have had good luck with Quicken chat.
by bertilak
Wed Oct 22, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Quicken/Vanguard Transaction Problems
Replies: 5
Views: 536

Re: online shopping for laptop PC

I have been well-served by Newegg . None the less, it pays to shop around. Most any advice you get here will be out of date. Things change so fast in this world. New hardware keeps coming. Promotions come and go. Lenovo is a good, high quality, brand but I got a better deal from Frys than from the L...
by bertilak
Wed Oct 22, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1314

Re: What Book Are You Currently Reading? Part VI

Do you think they are being intentionally insulting by referring to Woodrow Wilson as "Dr. Wilson" rather than "President Wilson?" Or do they think "Dr." trumps "President" as an honorific? If there is an opportunity to insult, the subtler the better, they (w...
by bertilak
Tue Oct 21, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9702

Re: What Book Are You Currently Reading? Part VI

Curiosity got the better of me - plus I found a free Kindle download :) - and I re-read some of it and it was deja vu all over again - it's good but I couldn't finish it. I agree about sacrificing wit while unloading feelings and think this may explain the difficulty in finding a place on the "...
by bertilak
Tue Oct 21, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9702

Re: What Book Are You Currently Reading? Part VI

... Finished the preface to The American Credo , by H. L. Mencken and George Jean Nathan, online at http://www.gutenberg.org/files/23858/23858-h/23858-h.htm , and have read about 200 of the articles of the "Credo" itself. I am completely baffled as to what to make of it. I just can't tell...
by bertilak
Tue Oct 21, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9702

Re: What is the best way to sell guns and get the best price

I have several hunting guns that I no longer use or need. What is the best way to sell guns and get the best price? I have no special knowledge or experience in this but perhaps private sales at a gun show if the total value is high enough to justify whatever entrance fee there is. I have attended ...
by bertilak
Tue Oct 21, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1105

Re: Employer Reimbursing Health Insurance Premiums - Taxable

From A posting in the SmartHR Manager Blog Accident, Health Premiums Paid by Retirement Plans Become Taxable in 2015 May 9, 2014 – 5:36 pm | By Jane Meacham Payments by qualified retirement plans for accident or health insurance will be taxable distributions to participants in most cases, starting w...
by bertilak
Tue Oct 21, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 636

Re: Borescope for inspecting dryer vents and AC ducts

For lint a borescope is overkill. But don't let that stop you from getting one! :sharebeer I used mine repeatedly this weekend to check out walls that I wanted to cut outlets into. I could see where all the wires were before cutting -- very reassuring! :o While our house was being built I took pict...
by bertilak
Sun Oct 19, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1336

Re: Quicken 2015 for Windows - Any reviews?

Please advise what in this "upgrade" has made you happy, just for me?! ;) ⋅ Mostly it isn't more broken than it is! :oops: I really was expecting more problems until I read a post above saying the upgrade went smoothly, and it did go better than the last time. ⋅ The ov...
by bertilak
Sun Oct 19, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 44
Views: 4330

Re: Quicken 2015 for Windows - Any reviews?

Two problems since my upgrade to 2015 (and now R3) a few days ago: ⋅ Cannot enter a note directly into a transaction in the register. You can type in the note but as soon as you hit enter or tab the text vanishes. To enter the note you must right click the transaction and select "note...
by bertilak
Sun Oct 19, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 44
Views: 4330

Re: [Confused with Medigap Options]

I was hell bent on getting issue age, but when I spoke with someone at BCBS over the phone, she couldn't figure out why I wouldn't go for attained age. I said because I don't want the price to go up every year, and she said the issue age plans go up every year anyway.. but by how much? Does it rese...
by bertilak
Fri Oct 17, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1814

Re: [Confused with Medigap Options]

You are right, mostly. I believe that $50 ER charge is eliminated if you are admitted. I can't foresee many ER visits that don't result in being admitted. I am? Right mostly? Funny, that's not what my b.f. keeps telling me most days :P Seriously, yes, there is no $50 co-pay if the ER trip results i...
by bertilak
Fri Oct 17, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1814

Re: Electric Razors

I tried using DE blades with shave cream for about 2-3 months. I could never get the hang of it after trying ~20 different blades, getting nicks almost every time, and I was never impressed with the closeness of the shave. Besides, it was a huge time sink. I don't need or want to shower immediately...
by bertilak
Fri Oct 17, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1874

Re: [Confused with Medigap Options]

If you are considering Plan F, take a look at Plan N. They are nearly identical and N is cheaper. There are a couple of things N does not cover. First, the yearly deductible ($147 right now) but that is made up by the premium savings very quickly. The other thing has to do with "excess charges...
by bertilak
Fri Oct 17, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1814

Re: Borescope for inspecting dryer vents and AC ducts

I understand the benefits of a TPO (Tool Purchase Opportunity) as well as anyone, but do you really need a borescope for dryer vents and HVAC ducts? Dryer vents need to be cleaned periodically, so just do it. You don't need to look at them. I have come to that same conclusion and am investigating t...
by bertilak
Fri Oct 17, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1336

Re: Is it possible to have a favorite movie

Erwin007 wrote:Yes, Fletch.

Man at door: I'm from the CIA.
Fletch: How do you spell that?
by bertilak
Fri Oct 17, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3191

Re: [Confused with Medigap Options]

If you are considering Plan F, take a look at Plan N. They are nearly identical and N is cheaper. There are a couple of things N does not cover. First, the yearly deductible ($147 right now) but that is made up by the premium savings very quickly. The other thing has to do with "excess charges&...
by bertilak
Fri Oct 17, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1814

Re: Investment Policy Statement - share your sample template

One thing I didn't notice in the above (may have skimmed too quickly!) ... You might consider looking at stages in your investment career. For example, before and after some major events: retirement (maybe the biggest) collecting SS (including age decision) marriage children entering or graduating f...
by bertilak
Fri Oct 17, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement - share your sample template?
Replies: 8
Views: 1272

Re: What Book Are You Currently Reading? Part VI

The Singing Sands by Josephine Tey. A mystery novel from 1953. This is a Novel with a male protagonist written by a woman. I find these interesting. Three examples: ⋅  The Secret History by Donna Tartt. I found this book strangely fascinating. I couldn't stop reading. But, this was mostly...
by bertilak
Wed Oct 15, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9702

Re: Samsung or LG Washer and Dryers (reliability and repairs

I personally wouldn't go for a top of the line washer, as most of the features aren't really needed (I am yet to wish I could steam clean my clothes). However, the faster spin cycle is nice as it reduces the amount of water content left in the clothes. It is cheaper to spin dry your clothes than it...
by bertilak
Wed Oct 15, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 878

Re: Samsung or LG Washer and Dryers (reliability and repairs

We've had Samsung front loaders for about a year. We like everything except the quietness and longness of the "song" when the load cycle is over. If you google something like "Samsung washer sings" you'll get several videos. Its a good 30 second jingle that we can't hear if we'r...
by bertilak
Wed Oct 15, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 878

Re: investing in bear market

With the bear market likely here, and with allocations to stock % dropping, should I invest new monthly savings (not rebalancing money) into the market to bring up my allocation in stocks, or should i invest it per my desired allocation (60/40), and then just reblance yearly to make in 60/40? Go wi...
by bertilak
Wed Oct 15, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2250

Re: Quicken 2015 for Windows - Any reviews?

Try one step update, hm, it seems to have changed my vault password to my quicken password, not so good, I wonder if that can be separated? Hm... ok, that seemed to finish in about the same amount of time as usual. The 2015 installation asked me a bunch of questions along the way, most of which I s...
by bertilak
Wed Oct 15, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 44
Views: 4330

Re: Electric Razors

Do today's electrics give you a BBS* shave? It has been many, many , years but I used to try new electrics every couple of years and never found one that worked to my satisfaction. They all just chopped the whickers down to a low stubble and were uncomfortable (a bit short of painful) to use. *BBS =...
by bertilak
Tue Oct 14, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1874

Re: Need dispensation to pay ROTH conversion taxes from tIRA

I think the conventional wisdom stems from the penalty. Since you are over 59.5 and would not have the penalty, I think this is an exception. I could be overlooking something, but I don't see a downside either. I think the conventional wisdom stems from preserving as much tax-advantaged space as po...
by bertilak
Tue Oct 14, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 794

Re: Question re: RMD

FinancialDave wrote:"Playing the odds" sounds like something to be done in Vegas, not with your retirement funds.

If you are invested, you are playing the odds, unless you found a risk-free investment.
by bertilak
Tue Oct 14, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1234

Re: Question re: RMD

Unless you can predict the future of the market I can't see how you could prove that Dec. is any better than Nov. or better than June or January. We all predict the future of the market -- it will go up. If we didn't believe this we wouldn't invest. (Well, except for dividends) To the extent we bel...
by bertilak
Tue Oct 14, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1234

Re: Quicken 2015 for Windows - Any reviews?

Either of you previously use 2014? I'm curious how the speed of '15 is compared to '14? I'm hoping its a little faster and doesn't hang as much when switching accounts and windows I upgraded from 2013 so have no experience with 2014. Unfortunately, 2015 seems slower than 2013. The slowness is, I th...
by bertilak
Tue Oct 14, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 44
Views: 4330

Re: Can anyone comment on mobile upgrades?

My husband and I use Q 2013 (Windows). The mobile features are just lousy, which is a problem, as he's on the road quite a bit. Can anyone who's bought Q 2015 comment specifically on the mobile features - do you find them easy to access, easy to find info/enter it on the go, simple interface on the...
by bertilak
Mon Oct 13, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 44
Views: 4330
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