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Re: Need signature guarantee in Japan

I would try the local American Express office. I have no idea if they provide that service but I would ask. I have had am AMEX account for many years and that may help (if it were me).
by bertilak
Tue Apr 22, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need signature guarantee in Japan
Replies: 21
Views: 674

Re: "Cookie Cutter Portfolios Are (Usually) Just Fine"

pkcrafter wrote:Thanks Taylor and Mike. The more I learn, the more I realize the less I need t know. The simple, straight forward Boglehead strategy is always very close to as good as it gets. Attempts to tweak and improve may be hazardous to your returns.

Paul

Or hazardous to your Maalox budget.
by bertilak
Mon Apr 21, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: "Cookie Cutter Portfolios Are (Usually) Just Fine"
Replies: 4
Views: 1311

Re: KeePass vs LastPass

My point is one of the indirect benefits of LastPass is it can keep a full inventory of your online presence if you let it. You never know when your last logoff from a site is your last logoff from that site, like my Subaru site above, until months and months go by, and by then you may have forgott...
by bertilak
Mon Apr 21, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5994

Re: POLL: what's the deal with Tuna Fish?

Can't answer poll since it switches mid stream from what one DOES to what one PREFERS.

I PREFER it fresh but usually BUY it by the can, water packed.
by bertilak
Sun Apr 20, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 44
Views: 2675

Re: Quicken 2014 opinions wanted

13 -14 (I actually have both) is not much improvement EXCEPT the already mentioned mobile app which I used a bit but now use OneDrive (keeping the file updated on the "Cloud"; which can be done with the 13 version too). Another useful IMO upgrade in 14 is to show a projection for register...
by bertilak
Sat Apr 19, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

I'm going to interpret your analysis that while Mint has good points, it wouldn't really meet your needs as Quicken replacement? Correct me if I'm wrong ... You got it! Interestingly, when I deactivated my mint account they asked why, both free-form and with a survey. In the free-form area I copied...
by bertilak
Sat Apr 19, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

I took a look at Mint. Good points: ⋅ Easy to set up ⋅ Lots of info ⋅ Nice set of spending categories and it is pretty good at assigning them to CC transactions. Bad points: ⋅ Littered with sales pitches (mostly disguised as "advice" and "alerts...
by bertilak
Sat Apr 19, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: A Dictionary and a World Atlas: Recommendations?

I always liked the Heritage dictionary because it has usage guidelines. Most other dictionaries would have us all yammering away in street slang and are pretty useless for advice on writing. An Aside: Coincidentally I just happened to be glancing through a 50+ year old Handbook for Writers . It is s...
by bertilak
Sat Apr 19, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: A Dictionary and a World Atlas: Recommendations?
Replies: 14
Views: 764

Re: POLL: why carry cash?

I usually pay with a card but when a tip is required, tip with cash. I think servers generally appreciate paper tips, at least I've had a few mention that. You have reminded me that I used to always tip with cash but since I use so little cash elsewhere I often do not have the right change for a ti...
by bertilak
Sat Apr 19, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 221
Views: 7112

Re: Beware Vanguard DOES NOT update all your account values

How about this: Vanguard's web site shows the value of outside investments on three pages (at lest). The values given do not match. This makes for confusion and uncertainty. It could lead to mistakes when one is trying to make decisions, for example deciding if and by how much to rebalance. (Now go ...
by bertilak
Sat Apr 19, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4477

Re: KeePass vs LastPass

I now understand that keepass generates its own random passwords. However, does keepass know what the particular site requires in its passwords? For example, a site may limit passwords to 8 characters, or may require smallcase, caps, and numbers, but no other characters and no spaces. Does keepass ...
by bertilak
Sat Apr 19, 2014 6:58 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5994

Re: "At Vanguard my voice is my password"

I have used it, it can avoid the need for medallion signature guarantees. Well THAT'S worth a lot more than the trouble of activating it! I'm wondering what this means - is this something that also can be handled online or is it a specific situation that requires a medallion signature guarantee? I ...
by bertilak
Fri Apr 18, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2268

Re: Quicken 2014 opinions wanted

Why don't more people use Mint.com? What else do you need? It keeps track of ALL of your accounts on a transaction level. It also alerts me when there are some unexpected bank fees imposed. But the best part about it by far is there is no need for any manual downloading whatsoever. Oh wait. No, the...
by bertilak
Fri Apr 18, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

Magruder wrote:Upgraded from Q2011. In spite of the dire warnings, I've had no issues or problems.

Do you use the transaction download feature? What about for investment accounts?
by bertilak
Fri Apr 18, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

I upgraded from 2011 to 2014 and I lost the ability to download transactions from a major bank. My other credit unions work fine. Multiple people are reporting this same issue on the quicken forums. The bank points the finger at Quicken, Quicken support has basically said sorry we are not going to ...
by bertilak
Fri Apr 18, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

Long-time user also, but use BoA bill pay. Is there a reason you prefer Quicken for bill payment? Doesn't it cost $? I use it because everything is centralized and automated. Memorized transactions show up in my register automatically waiting for me to set the proper amount (if not already set) and...
by bertilak
Fri Apr 18, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

Quicken user since 1988. Since I don't download stuff into Quicken, I seldom update as long as the program works. Currently using Quicken 2009. Any reason to change to the more current version? I started back in '88 as well. In my case, I do lots of downloads into quicken. I have over a dozen accou...
by bertilak
Fri Apr 18, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Quicken 2014 opinions wanted

At this point I'm already looking towards '15 and hope they address some of these performance issues. That is sounding better and better to me, too. I keep looking at the "fat tails" of that star rating distribution! The negative tail is fatter than the positive tail. There is nothing com...
by bertilak
Fri Apr 18, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: I need a new coffee maker, any recommendations?

I have the Technivorm Moccamaster. (http://www.amazon.com/Technivorm-Moccamaster-Coffee-Brewer-Thermo/dp/B002S4DI2S or http://www.sweetmarias.com/sweetmarias/coffee-brewers/technivorm-brewers/technivorm-kbt-741-10-cup-thermal-brewer.html) It does work great and I like it, but can see that it will no...
by bertilak
Fri Apr 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2243

Re: I need a new coffee maker, any recommendations?

Professor Emeritus wrote::happy Based on past threads, coffee is somewhat more controversial than market timing, religion, politics or sex with hookers. :D

I'm just not going there anymore :beer

Not even the hookers?
by bertilak
Fri Apr 18, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2243

Quicken 2014 opinions wanted

As a long-time Quicken user I was considering an upgrade to Quicken 2014 from 2013. I was interested in the mobile app feature. Unfortunately, the Amazon star ratings look like this ... http://i57.tinypic.com/25jb0x4.png It is not just the older ratings from when the 2014 version first came out. The...
by bertilak
Fri Apr 18, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1582

Re: Let's say we live for 150 years...

bertilak wrote: I am thinking in terms of an indefinite lifetime -- the lifetime of the portfolio, which I would like to be beyond my lifetime. I do not know how to deal with this. Some sort of Trust? Does it get diluted as there are more and more descendants? How to keep its integrity, keep it gro...
by bertilak
Thu Apr 17, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 20
Views: 3374

Re: Let's say we live for 150 years...

How would you invest if you were starting out in your career at age 25 and know you would live until age 150? It probable helps to look at the very long-term return of assets classes and what makes them tick. That's what I took a stab at in this article: A Million-Mile View Of Investment Value Rick...
by bertilak
Thu Apr 17, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 20
Views: 3374

Re: "At Vanguard my voice is my password"

I don't call Vanguard, except when I make a mistake, and how often is that going to happen? :) There was a story on NPR today, and the person (inventor?) was talking about how it was great for multiple accounts. When the person answers the phone, you start talking and all your accounts pop up on th...
by bertilak
Wed Apr 16, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2268

Re: "At Vanguard my voice is my password"

JamesSFO wrote:I have used it, it can avoid the need for medallion signature guarantees.

Well THAT'S worth a lot more than the trouble of activating it!
by bertilak
Wed Apr 16, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2268

"At Vanguard my voice is my password"

Is this something new? Vanguard's over-the-phone ID verification can now be set up as voice recognition instead of a bunch of security questions. You go through a short setup where you repeat the subject phrase a few times and Vanguard's voice recognition system learns your voice. This simplifies th...
by bertilak
Wed Apr 16, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2268

Re: When to terminate an irrevocable trust?

Note that a trust account is NOT the trust. It is just where the trust chooses to put its funds. Unless there is some strange provision in the trust you don't need to terminate it to move the money to a different account. Just open up a trust account at Vanguard and transfer the money from ML to VG....
by bertilak
Wed Apr 16, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: When to terminate an irrevocable trust?
Replies: 11
Views: 774

Re: Portfolio generating 7% return?

Thanks. I appreciate the input. I know there's no such thing as a free lunch, but what I'm trying to learn is how to cut through the dross of all the different ideas. There are so many competing theories, sales techniques, etc. that's why I ended up here. The trouble is, those are generally "f...
by bertilak
Wed Apr 16, 2014 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio generating 7% return?
Replies: 10
Views: 1635

Re: The slackening...

There is a Chinese saying which goes something like: "Wealth doesn't get past 3 generations." Very interesting. I'm trying to decide what portion of our estate goes to our kids and what goes to charitable causes. Perhaps there is some way to motivate our children to become successful on t...
by bertilak
Mon Apr 14, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6504

Re: KeePass vs LastPass

I too decided to experiment with LastPass and for me it is not worth the complexity. Much of that complexity seems to be in support of the feature that monitors what site/page you are on to recognize that there is an ID/PW pair for it to look up in its database. LastPass gets this right most of the ...
by bertilak
Mon Apr 14, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5994

Re: Stock markets in free fall?

nisiprius wrote:Hmmm... I wonder why you were seeing that and I'm not? OK, another try.

Image

Works for me.
by bertilak
Sat Apr 12, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Stock markets in free fall?

Still 100% equities. No second thoughts. Hadn't even known that the market was having "issues". Although... just calced my return and I'm around 1.2% YTD. So not sure what everyone's on about. Half of my investments are 100% equities. The other half is 100% bonds. One half or the other wi...
by bertilak
Sat Apr 12, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: KeePass vs LastPass

I don't think using a key file alone is secure. A key file + password - now that's like double authentication and much more secure than a password. I think the keyfile is really to prevent remote hacks like someone brute-forcing passwords against thousands of websites remotely - if your keyfile is ...
by bertilak
Fri Apr 11, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5994

Re: KeePass vs LastPass

When I open the locked file the unlock dialog has "key file" checked and the name and location of the file pre-filled! Even If I keep the file on external media (e.g. USB drive) giving away all the following seems pretty compromising: the fact that it is a key file and not a password that...
by bertilak
Thu Apr 10, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5994

Re: KeePass vs LastPass

Like TrueCrypt, KeePass can use a keyfile: Key Files Instead of remembering a super secure password, let your data take care of the details. All you have to remember is that you've used Grandma's vacation picture. And don't lose the picture. Or, any one of the thousands of files on your PC. Just be...
by bertilak
Thu Apr 10, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5994

Re: Reducing Sequence of Returns Risk

The problem is sequence of returns risk becoming actual loss. Yes, but this is true of any insurance product, and that is how I am looking at this. You asked! Actually, I was trying to distinguish between getting insurance before an actual loss occurs and how to deal with that loss if it wasn't ins...
by bertilak
Thu Apr 10, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 11
Views: 1073

Re: Was Wondering Why Windsor/Wellesley/Wellington?

I bought wellesley up to the point of admiral shares because it was my close to being my first taxable investing and I wanted one fund that was relatively stable to use as a quasi emergency fund. I've since changed the dividends to be invested elsewhere and let is sit as it is. Interesting choice g...
by bertilak
Thu Apr 10, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3440

Re: Reducing Sequence of Returns Risk

I am not sure what problem you are trying to solve. If stocks do poorly the first 5 years of retirement, don't you just sell bonds to live on and rebalance at the same time? If paying down a mortgage is like buying a bond, does it not also hold true that taking out a mortgage (or HEL or SRM) is lik...
by bertilak
Thu Apr 10, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 11
Views: 1073

Re: Why shouldn't i invest mostly in value funds?

Is there a reason why, at my age, i shouldn't put most of my money in value funds, especially small cap value/mid cap value and rebalance them later in safer investments when i'm much older? Volatility. Even though on average, and over the long run, SCV is expected (by some at least, perhaps by man...
by bertilak
Tue Apr 08, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't i invest mostly in value funds?
Replies: 22
Views: 1476

Re: What would you do in this situation?

Your best estimate is that the inheritance will run out in about 10 years. If I interpret this correctly, it really means you have extended the "lifetime" of your nest egg by 10 years. I think it makes a difference if you went from 20 to 30 years or if you went from 50 to 60 years. Perhap...
by bertilak
Sat Apr 05, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do in this situation?
Replies: 9
Views: 648

Re: POLL: Do rebalance bands matter?

nisiprius wrote:But beware of the Vessel with the Pestle and the Flagon with the Dragon.

Careful! A jester unemployed is nobody's fool!
by bertilak
Tue Apr 01, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Do rebalance bands matter?
Replies: 20
Views: 1263

Re: Comparing current net income to DB pension net income

Not sure if you are subtracting out FICA, but you should be.

Also subtract out anything you were putting into IRA, 401(k), etc..
by bertilak
Mon Mar 31, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Comparing current net income to DB pension net income
Replies: 6
Views: 584

Re: Advantages in tax inefficient funds

In order to have the effect you are describing it would be necessary for the total capital in tax advantaged accounts to be large enough that by themselves they could affect the market. I would be very surprised if tax advantaged accounts made up enough of the market to make any difference. Actuall...
by bertilak
Sat Mar 29, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Advantages in tax inefficient funds
Replies: 14
Views: 947

Re: Were These Investment Advisors Lying or Incompetent?

I've thought about giving up the fight, except that I think a lot of people on the larger Board respect me and support what I'm doing. So I feel a certain amount of responsibility to see this through and not let the rest of the synagogue down just because a handful of people are being difficult. Go...
by bertilak
Fri Mar 28, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5896

Re: Wade Pfau: Lifecycle Finance

I want to know if and how to get $3000 per month from my nest egg, and they're asking completely unrelated questions. They might as well ask you what's your astrological sign and what's your favorite color! :? Then the result is an asset allocation. There is no mention of how much you want to/can/s...
by bertilak
Fri Mar 28, 2014 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Lifecycle Finance
Replies: 118
Views: 12108

Re: Were These Investment Advisors Lying or Incompetent?

One thing I should have been clear about is that the donation was about $70K. In retrospect, I probably shouldn't have described it as a "very large donation", but we are a very small congregation (about 55 families), and that is a huge amount to us. Unfortunately, in the investing world,...
by bertilak
Thu Mar 27, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5896

Re: Were These Investment Advisors Lying or Incompetent?

I was surprised that they didn't know this, since they were both CFPs. Oh, they know. What they also know is you won't like the answer if they give it to you straight so they are stalling until either you forget or they can give you a delayed, non-responsive, answer and you will run out of energy b...
by bertilak
Wed Mar 26, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5896

Re: Best Way To Utilize $250,000?

IS this 5% doable? Wolf, Going by average, expected, returns, 5% seems reasonable, but it is not, for the following reasons: ⋅ You cannot live on average returns because your expenses are comparatively constant. You need to deal with the lean years as well as the fat. You can't tell the g...
by bertilak
Tue Mar 25, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2725

Re: The least productive post ever

It's a classic fixed marginal cost analysis. you do the fixed costs of 1 and then you examine the marginal cost of the second. A = Cost for one B = Cost for two C = Difference You say Count A. Count C. B=A+C. Desired ratio = B/A. I say Count A. Count B. Desired ratio = B/A. The question is, which i...
by bertilak
Tue Mar 25, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: The least productive post ever
Replies: 18
Views: 1680

Re: The least productive post ever

Clearly there are efficiencies that come with being a couple (sharing a home, perhaps sharing a car etc.,) but there are plenty of expenses that are significantly greater for a couple compared a single person. If it's 1.7 million for the single person...what's that represent in "couple dollars...
by bertilak
Tue Mar 25, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: The least productive post ever
Replies: 18
Views: 1680
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