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Re: Quicken 2015 for Windows - Any reviews?

Sorry to hijack this thread, but do you have any advice on making this setup work? I have just tried it for exactly the same reason as you - two homes. All seemed well at my main home but when I loaded up Quicken at my second home it had not synced with the file in Google Drive and ended up copying...
by bertilak
Wed Nov 26, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 61
Views: 6683

Re: Quicken 2012 upgrade to 2015

I forgot to mention: if the new features don't matter to you, get last year's software, which will work for downloads. It's inexpensive by comparison. Thanks, that's a thought, I will look into it. One thing to consider. Buying a year-old version saves money up-front but it also means you need to u...
by bertilak
Tue Nov 25, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2012 upgrade to 2015
Replies: 7
Views: 777

Re: Quicken 2012 upgrade to 2015

You are wise to wait a bit before updating. I did it too early and have spent some time with their support department. Things are OK now except for a couple of minor problems they are aware of and I expect to see fixed in the next update. As far as transitioning -- there is a SINGLE file that is all...
by bertilak
Mon Nov 24, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2012 upgrade to 2015
Replies: 7
Views: 777

Re: Car "concierge" service

My VW dealer provides this service, although I am on the very edge of their service area so I don't push it unless I have a good reason. They have never refused.
by bertilak
Mon Nov 24, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Car "concierge" service
Replies: 15
Views: 1202

Re: Dog food - how cheap is too cheap?

... and what the, uhm, byproduct is, er, consistency wise. I followed the link above and then poked around some more. One site said that by-products are fine ... ⋅ By-products do NOT include things like "floor sweepings," hair/fur nor many other things. The term is well defined ...
by bertilak
Mon Nov 24, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 62
Views: 3659

Re: Computer Challenged [Downloading instead of Viewing file

Often if you right-click on something it gives some options to choose from. Download vs view may be one of the options. It may be accompanied by a checkbox saying something like "do it this way from now on." All else fails there is probably something buried in the settings menu to set the ...
by bertilak
Sat Nov 22, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Computer Challenged [Downloading instead of Viewing files]
Replies: 7
Views: 731

Re: "Are You an Irrational Investor? Here’s How to Tell"

Interesting. Though the advice when people are concerned about a large lump sum to invest vs DCA or other plan to not investing the whole sum immediately,there is almost universal advice to just put all in at your target allocation no matter how richly valued the market might be. So that could acco...
by bertilak
Sat Nov 22, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: "Are You an Irrational Investor? Here’s How to Tell"
Replies: 13
Views: 1806

Re: Tasting Room Wines

No, I haven't tried it but it does look interesting and would make an interesting gift -- except for the on-going deliveries and payments. How would you work that? I wouldn't want to put myself on the hook for a never-ending responsibility and however you would manage to pass that on to the giftee m...
by bertilak
Thu Nov 20, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1422

Re: Suggested retirement reading for 60 year olds

You may want to look at Retirement Portfolios: Theory, Construction and Management by Michael J. Zwecher. This book specifically addresses portfolio management for retirees and near retirees. It is not one of those books that assumes you are 22 years old and just starting. There are so many of those...
by bertilak
Thu Nov 20, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 2760

Re: Need Income - Wellesley Income or Wellington Fund

I'm sorry G12, I did not understand your response. Both funds pay out quarterly distributions. I will only be taking the quarterly distribution from the funds, whatever it may be and will not be touching the original investment. So given this, should Wellesley's distribution be higher if rates were...
by bertilak
Wed Nov 19, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 2799

Re: Assets for Liability Matching Portfolio?

Perhaps an LMP is a misnomer. Currently, I have 5 years excess expenses in cash and short term bonds and another 10 -15 years in intermediate term bonds including I Bonds. I considered this a fund based matching approach. Coincidently, these salable assets represent another 10-15 years of excess ex...
by bertilak
Wed Nov 19, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Assets for Liability Matching Portfolio?
Replies: 24
Views: 1857

Re: Assets for Liability Matching Portfolio?

Ran across this thread while "surfing" for info on LMP construction. One thought I had that is particular to my situation is the use of "non-investment" assets as a part of LMP planning. In particular, I own real estate other than my primary residence in the form of an income pr...
by bertilak
Wed Nov 19, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Assets for Liability Matching Portfolio?
Replies: 24
Views: 1857

Re: Chip and Signature (not PIN) in Europe

I recently went to Germany and got AMEX to send me a new card with a chi before I went. The card worked fine in the places I went -- except for ATMs. I called AMEX for help and they gave me a one-time PIN over the phone (or possibly SSM, I forget) to use at the ATM. Since I was headed home shortly t...
by bertilak
Tue Nov 18, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chip and Signature (not PIN) in Europe
Replies: 15
Views: 781

Re: Additional Betas: Defining and implementing

http://quote.morningstar.com/fund/chart.aspx?t=SFSNX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22Schwab%20Fdmtl%20US%20Sm%20Co%20Idx%22%2Cids%3A%22FOUSA06BYD%7C0P000087PG%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7C2007-4-2%7C%7C%7Cfalse%7CUSA%7C18%22%7D%2C%7Bn%3A%22Vangua...
by bertilak
Tue Nov 18, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Additional Betas: Defining and implementing
Replies: 6
Views: 609

Re: What Book Are You Currently Reading? Part VI

Currently reading Frankenstein by Mary Shelley [*]Plot hole (or unbelievable behavior): Victor Frankenstein creates his monster while a student in college, almost by mistake. Sure he has been trying hard, but the monster comes alive as a big surprise. None of this throwing the switch to tap the lig...
by bertilak
Mon Nov 17, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 181
Views: 17333

Re: What Book Are You Currently Reading? Part VI

Currently reading Frankenstein by Mary Shelley Summary while at page 68 of 221: :thumbsdown This is (so far) one of the most poorly written books I have recently read. ⋅ Lots of long pseudo-philosophical ramblings by various characters. I suppose Shelley thought these were either profound ...
by bertilak
Mon Nov 17, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 181
Views: 17333

Re: Shower silicone replacement - Price? DIY?

The hardest part will be taking out old caulk, assuming it was silicone-based. It will not come out as easily as standard caulk, meaning it will be breaking up. I would have variety of tools available, like putty knife, razor, etc, and lots of patience. It just depends on the tile, grout size etc. ...
by bertilak
Mon Nov 17, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1647

Re: Glidepath (target date) investments distort asset alloca

conventional wisdom ignores empirical evidence that younger workers with less secure employment and scant savings are far likelier to raid their retirement accounts to meet basic living expenses. Since they’re also more likely to lose their jobs in a recession, which in turn is likelier to occur fo...
by bertilak
Sun Nov 16, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2818

Re: Can active funds reliably beat the index? Actually, Yes

If managers are paid on performance, do they somehow not try as hard if their own money isn't in the fund? Are they not applying their best skills? Here is a paper that addresses that issue: http://onlinelibrary.wiley.com/doi/10.1111/jofi.12048/abstract Here is the abstract: To rationalize the well...
by bertilak
Sun Nov 16, 2014 6:24 am
 
Forum: Investing - Theory, News & General
Topic: Can active funds reliably beat the index? Actually, Yes.
Replies: 37
Views: 4749

Re: Harry's razors

I think I want to try getting a Merkur. What is the difference between a Long Handled Safety Razor vs. Open Comb Double Edge vs Heavy Duty Double Edge Razor? Thanks! The only thing that really needs explaining is "Open Comb" but first ... ⋅ Long handled style has a longer handle...
by bertilak
Sat Nov 15, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 5081

Re: "Downgrading" to a Porsche

A few points of view: ⋅ Seems you can afford to go with whatever you want, so take that out of the equation and go for that toy car. "Toy" is not meant in a pejorative sense. We all like our toys and if we can afford them, why not? ⋅ In my case, the initial excitement o...
by bertilak
Sat Nov 15, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6250

Re: Harry's razors

Most of these shaving soaps are full of toxic chemicals. Surprising that the many MDs on these boards are not warning us. See for yourself - some of the most popular brands are the most notorious http://www.shaving101.com/index.php/education/product-basics/67-pick-your-poison-soap-or-cream.html Wel...
by bertilak
Sat Nov 15, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 5081

Re: Harry's razors

I tried Harry's razor and didn't like it. The razor itself is a bit unwieldy, mostly because it doesn't have a nice place to rest a finger or thumb up near the blade and the handle is smooth and slippery. All other razors I have used have a "non-skid" place to put a finger or thumb up near...
by bertilak
Fri Nov 14, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 5081

Re: Is buying organic worth it financially in the long term?

jstrazzere wrote:
tadamsmar wrote:When I tasted it, it seemed bitter.

Was it worth it financially?

If it's bitter isn't that worth paying extra for?
by bertilak
Fri Nov 14, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5691

Re: Is buying organic worth it financially in the long term?

Valuethinker wrote:Which was, in fact, a sustainable way of life.

But for what size population?
by bertilak
Fri Nov 14, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5691

Re: Quicken 2015 for Windows - Any reviews?

Thanks for sharing. Can you pick and choose which accounts to include as your portfolio? Been debating whether the Morningstar feature would make it worthwhile to finally upgrade to the premiere version. From this, it doesn't seem all that valuable. Appears it would've just as easy to still go to m...
by bertilak
Thu Nov 13, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 61
Views: 6683

Re: IRA move happend at the worst time - now what?

Leeraar wrote:Since this is in an IRA you cannot harvest losses.

Right you are. Somehow I got the impression this was a taxable account. Re-reading the initial post I can't see where that Idea came from.
by bertilak
Thu Nov 13, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA move happend at the worst time - now what?
Replies: 15
Views: 1267

Re: Is buying organic worth it financially in the long term?

I'm not sure if it's financially worth it in that it will lead to lower medical expenses over time, but then, that's not why I eat it to begin with. If it's healthier, isn't that worth paying extra for? I'm not sure if it's financially worth buying actively managed funds. But if they're better, isn...
by bertilak
Thu Nov 13, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5691

Re: IRA move happend at the worst time - now what?

That second step is not a blunder. You have already sustained a loss and cannot undo that. Bite the bullet and buy back in. Don't leave your money lying fallow. Think of t this way. If nothing was done to begin with that money would already be invested at today's prices. Would that have been a blund...
by bertilak
Thu Nov 13, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA move happend at the worst time - now what?
Replies: 15
Views: 1267

Re: Quicken 2015 for Windows - Any reviews?

OK, here's a review of the Premier edition ... Quicken can display Morningstar's portfolio X-ray. In addition it shows how that X-ray compares with a similarly-styled benchmark. Here is what it says about a 100% Vanguard's Total Stock Market (VTSAX) portfolio: http://i59.tinypic.com/2i8eus6.png They...
by bertilak
Thu Nov 13, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 61
Views: 6683

Re: what is the actual value of my tax deferred accounts?

I had a fancy spreadsheet that covered SS, pension, traditional IRA, Roth IRA, a taxable account, RMDs, and potential SPIAs. It was structured entirely around cash flow and that's where taxes were taken into account, as was inflation. The net asset values and projected returns of my investment accou...
by bertilak
Wed Nov 12, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: what is the actual value of my tax deferred accounts?
Replies: 53
Views: 3715

Re: Best microwave to replace kitchen stove

I can recommend the Sanyo brand microwave. We've had one (a small one) for seven years now and use it a LOT. I like the simplicity of its controls. It's even easy to set the time as the instructions are right there behind the door. But perhaps I am behind the times. Why can't these things get the ti...
by bertilak
Wed Nov 12, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 1670

Re: Assisted Living

[*]Long Term Care insurance does NOT pay for assisted living.[/list] LTCi pays out if you need assistance with specific ADLs (activities of daily living). Depending on the policy, where you live (private home, AL facility, etc) may not be an issue as long as the assistance you require can be provid...
by bertilak
Tue Nov 11, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 1968

Re: Your favorite classic toys for kids

What are some of your favorite classic toys for kids? My favorites growing up were legos, race car track sets, and anything that involved building Mine too. This included a big box of random blocks, mostly wooden, but quite a variety of odd things my father found in various places (construction sit...
by bertilak
Tue Nov 11, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4107

Re: Assisted Living

Lon, My parents, now recently deceased, were in assisted living facilities for several years. These places are not all the same. Some points to ponder... ⋅ I think the most important thing may be the overall atmosphere of the place. Is it generally a happy, active, place or is it a warehou...
by bertilak
Tue Nov 11, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 1968

Re: What Movie Have You Recently Watched?

Dave55 wrote:A Fistfull of Dollars
A Few Dollars More

A good friend of mine who is 63 never saw these 2 classics. So, I watched them with him.

Dave

Can I assume he saw The Good, the Bad, and the Ugly?
by bertilak
Mon Nov 10, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18325

Re: What Movie Have You Recently Watched?

Just caught Princess Bride on TV. I can watch it anytime. It is simply one of those movies where everything worked perfectly. In the middle of an apparently evenly matched sword fight... Inigo: I know something you don't know. Westley: And what is that? Inigo: I am not left-handed! (Switches sword t...
by bertilak
Mon Nov 10, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18325

Re: new REIT sector may be 11th sector in SP500

... They're currently listed and included under financials. There are two kinds of REITs: equity REITs and mortgage REITs. Equity REITs make money by collecting rents and by buying and selling properties. Mortgage REITs make money by investing in mortgages. I can see how mortgage REITs can be consi...
by bertilak
Mon Nov 10, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: new REIT sector may be 11th sector in SP500
Replies: 4
Views: 825

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

About those Morningstar risk ratings. They are not as stable as I thought they should be. Here is an update on Total Bond: http://i57.tinypic.com/vsde2r.png I thought a bond fund's risk should be pretty stable. Isn't that part of the allure of bonds? I guess since the rating is with respect to all o...
by bertilak
Mon Nov 10, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 20
Views: 1606

Re: Health Reimbursement Accounts, i.e. HRA's

Well, you've state some facts. What's the opinion you want to see some opposition to? I am in a similar situation. My HRA also pays for a decent set of health plans. It is not enough to cover ALL costs when you add everything up (premiums, deductibles, co-pays) but it puts me in a comfortable positi...
by bertilak
Mon Nov 10, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Reimbursement Accounts, i.e. HRA's
Replies: 2
Views: 424

Re: 25 y.o. -- Is it "rebalancing" if I've never "balanced"?

Well, you can't re-anything if it hasn't been done before, but that's just a game of semantics (as was said above). I think you have enough of a nest egg to establish an AA. Go for something simple. Primarily stock/bond allocation. Perhaps split off some of those stocks to international and maybe a ...
by bertilak
Mon Nov 10, 2014 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 25 y.o. -- Is it "rebalancing" if I've never "balanced"?
Replies: 9
Views: 1834

Re: Tax Loss Harvesting Doesn't Seem Like a Great Idea

TLH is something I have done and it was nowhere near as complicated as your various scenarios. I did this near the market bottom in early 2009. Nearly everything in the account was at an unrealized loss. I sold pretty much everything and immediately bought a new set of investments at my desired AA. ...
by bertilak
Sun Nov 09, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 52
Views: 4336

Re: 22, I want to be rich, looking for a high reward fund

Way more important than what funds you invest in is how much you are able to save and invest. Second in importance is how much the funds cost. By cost I don't mean market price but loads and fees. Forget any fund with any load or ongoing 12b-1 fees. Forget any funds with more than about 0.50% expens...
by bertilak
Thu Nov 06, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6166

Re: Selected photos of recent bicycle ride across New York

Very nice photos! Both the subject matter and the quality of the photos themselves. I used to live in NY but not in that area, although I have travelled through parts of it. Have a friend in Rochester near the Erie Canal. I lived further east by the Hudson river and have driven and hiked through muc...
by bertilak
Thu Nov 06, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1135

Re: What Book Are You Currently Reading? Part VI

The Moving Toyshop by Edmund Crispin. This is a mystery from the "Golden Age" of British mysteries (Agatha Christie territory) or perhaps a bit later (1940s). It is a bit more light-hearted than Agatha Christie's books. The reason I mention it is because right here on Bogleheads.org we ha...
by bertilak
Thu Nov 06, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 181
Views: 17333

Re: time period to buy into indexes

OK, OK. Lump sum works better about two-thirds of the time, but "better" is only 1% to 2% better over the first 12 months. Sometimes when folks write that LS is better than DCA, it comes across that it is better 100% of the time and that "better" is 10% to 20% or ever more bette...
by bertilak
Wed Nov 05, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: time period to buy into indexes
Replies: 7
Views: 538

Re: Dimming Sunset LED's Lamps?

Edit: I may have spoke to soon, https://www.sylvania.com/en-us/newsroom/press-releases/Pages/OSRAM-SYLVANIA-Launches-Next-Generation-of-SYLVANIA-and-OSRAM-ULTRA-A-Line-LED-Lamps-at-LIGHTFAIR.aspx This may fit the bill I need to keep an eye out for those! I wonder if they are available yet at retail...
by bertilak
Wed Nov 05, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Dimming Sunset LED's Lamps?
Replies: 5
Views: 570

Re: Fighting Through Risk Tolerance Questionnaires

As a couple of posters have mentioned, if a significant change in the size of your equity holdings and size of your portfolio occurs, impacting your risk appetite, which in turn impacts your optimal AA, what's the point of having a policy portfolio AA in the first place? Larry says it should be a &...
by bertilak
Wed Nov 05, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Fighting Through Risk Tolerance Questionnaires
Replies: 53
Views: 3018

Re: Fighting Through Risk Tolerance Questionnaires

And unless something has changed about the assumptions there isn't any logic I can think of or read for allowing the market to determine your AA (ex frictions of course). There are a number of factors (assumptions) that lead one to pick or change an AA but a big market crash can alter an important ...
by bertilak
Tue Nov 04, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Fighting Through Risk Tolerance Questionnaires
Replies: 53
Views: 3018

Re: What do you set your thermostat to (in F)?

Mine's more complicated than a single temperature. Heating is set at 62 nighttime 68 daytime. Cooling is set at 74 nighttime 76 daytime. In addition there is a humidity override for cooling. It will cool an extra 3 degrees if the humidity is over 53%. I could have set different values for midday, th...
by bertilak
Tue Nov 04, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4464
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