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Re: Jane Austen's Economics

At the first glance, the Austen's women's excessive focus on marriage seems pathological. But when the financial power is taken into consideration, getting a right husband is equivalent to graduating college as a valedictorian and passing LSAT or MCAT. Victoria Don't forget that for women of a cert...
by epilnk
Sun Nov 23, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 59
Views: 16244

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

As I understand your story: There is a microbe that keeps insects off the crops. This microbe produces many chemicals, one of which is particularly deadly to insects. When scientists tried to isolate the toxic chemical, it was so toxic that they dropped the project. My take: - In its natural habita...
by epilnk
Thu Nov 13, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5683

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

livesoft wrote:
epilnk wrote:… but I don't think radiation is routinely screened for, for obvious reasons.

Perhaps you meant radioactivity?

Yeah, mistype.
by epilnk
Thu Nov 13, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5683

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

I realize that there may be natural pesticides, but feel that manufactured additives are on balance worse than the natural equivalents. This is just an article of faith, partly based on a distrust of corporations and the information they disseminate about their products and practices, and I could b...
by epilnk
Thu Nov 13, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5683

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

For one thing, conventional farmers work to stay well below permitted limits, because a bad post harvest test result can lead to the rejection of an entire shipment. So growers have figured out how to get the maximum protection with minimum residue by timing their sprays. Are you talking about grow...
by epilnk
Thu Nov 13, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5683

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

Dutch wrote:
livesoft wrote:[I would not be surprised if one ibuprofen tablet does more damage to your health than a year's worth of eating non-organic spinach leaves.


I would not be surprised if it was the other way round

Whereas I would be stunned if either trivial input had the slightest impact at all.
by epilnk
Thu Nov 13, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5683

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

Most people choose to pay the premium for organic for one of two major reasons. More nutrients: There is in fact a little bit of data here favoring organic, but the margins tend to be small and most of the data does not show an advantage. What advantage there is probably depends on the specific crop...
by epilnk
Thu Nov 13, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5683

Re: For Women on this forum and those who share their expert

Can you tell us why anyone on the bogleheads site might possibly be interested in a site that is aimed at women? That strikes me as both unnecessarily limited in scope and offensively condescending. But of course I haven't visited the site itself.
by epilnk
Wed Nov 05, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4454

Re: Adoption [Experience from those who have adopted]

2.5% of children in the US came to their families through adoption. We have always been very open with our kids about this. So much so that our older son was with a friend one day and the friend said how cool it was that my son was adopted. My son looked puzzled and said "isn't everyone adopte...
by epilnk
Fri Oct 31, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 4408

Re: Adoption

My children were adopted internationally and came home at 7 months. My info, too, is out of date; only current info is useful. The most important advice has already been given: The adoption landscape has shifted radically over the past thirty years. You should attend as many support group meetings f...
by epilnk
Fri Oct 31, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 4408

Re: Buying a house without a realtor

There's little advantage to avoiding the buyer's agent, and they can be helpful. They have the contacts, can talk you through the pros and cons of various houses, can make sure things move smoothly along. However fiduciary duty or not, keep in mind that even though one realtor represents the buyer a...
by epilnk
Mon Oct 20, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2850

Re: Shoes for Plantar Fasciitis?

My son has a major problem with plantar fasciitis - he has low arches and circulatory problems in his feet, both of which contribute. The podiatrist was able to change his life with custom molded insoles. They're pricy, but when you see a 13 year old conscientiously moving his insoles from one shoe ...
by epilnk
Mon Oct 20, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2432

Re: Anyone cancelling travel plans?

[(removed) --admin LadyGeek] Victoria, I didn't know about the hockey stick risk. And with NHL season starting too. I would cancel my subscription to ESPN if I had one but since I don't, how can I protect myself?
by epilnk
Mon Oct 20, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6428

Re: How do you wash your car?

Didn't mean to set off a firestorm here. :oops: Since I don't have a garage and my car is exposed to the elements constantly - I tend to forget that other people (maybe more prosperous than me) do have garages to keep their cars. So, to start over again :P Is it okay to say that people whose cars s...
by epilnk
Mon Oct 20, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7091

Re: Lakefront property with small children?

It can make a lot of sense to avoid avoidable risks until the kid is old enough to fend for themselves. For example you might choose to live on a cul de sac where the traffic goes 15mph versus a busy road where it is going 55mph. You can teach kids what do to but to expect a 1-5 year old to make go...
by epilnk
Tue Sep 30, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2201

Re: Lakefront property with small children?

Fences can be installed and removed. If and when you have children, fence in a portion of the back yard around the house, with an inaccessible gate latch leading to the lake.
by epilnk
Tue Sep 30, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2201

Re: what is risk?

Sharpe has said risk is the probability of doing badly in bad times. Which comes closer to your idea of risk: your portfolio doing badly in bad times (not having money when you need it) or not being certain what your portfolio will be worth at some point in the future? This is the definition I pref...
by epilnk
Mon Sep 29, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 116
Views: 4677

Re: rebalancing conundrum/paradox/irony

I am in the same situation - 60/40, and after years of buying nothing but bonds I recently had to put a contribution on the equity side. This is one advantage of having a little slice and dice in the portfolio - I hold TSM, TI, and TM small. So although my first reaction was, "Ugh, I'm buying s...
by epilnk
Mon Sep 29, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5367

Re: Which bond fund?

humm. So the yield reflects the general consensus that interest rates will rise soon. That's why the LT bond fund is yielding over 15% right now. Folks are leery of the big drop in value when interest rates rise. So if I'm comfortable running contrary to general consensus, there may be profit in ho...
by epilnk
Fri Sep 26, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund?
Replies: 15
Views: 1033

Good source of educational materials?

My 6th grader is playing the stock market game in school. While this is a fun way to engage them and exposes them to a lot of interesting concepts and principles, "winning" the game is basically a gambling contest. We've already had some conversations on the differences between investing a...
by epilnk
Tue Sep 23, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Good source of educational materials?
Replies: 1
Views: 177

Re: New Big iPhones - How to Upgrade Early?

“Now, there will be plenty of people who will pass on the iPhone … who find the iPhone too big.” - The New York Times (January 9, 2007) The iPhone Rumors Are Right…Finally Nice throwback article! I think the iphone 5 is too big - too long, actually. I'd get another one like the 3 if they made that ...
by epilnk
Mon Sep 22, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: New Big iPhones - How to Upgrade Early?
Replies: 18
Views: 2268

Re: Purchasing a new mattress

One diagnostic rule of thumb I've heard is that pain in the shoulders means the mattress is too firm, pain in the lower back means the mattress is too soft, and pain in the neck means the pillow is not appropriate. I have found this to be true for me. Since I have chronic back issues I sleep on a la...
by epilnk
Sun Sep 21, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing a new mattress
Replies: 5
Views: 579

Re: Who else hates choosing a car?

Hate choosing a car. Hate it. None is ever exactly what I want - I'd happily pay extra to get exactly what I want but it never seems to exist. I posted a question on bogleheads about choosing a new car, saying I'd decided to replace mine. FIVE YEARS LATER I finally replaced it and I'm still not ent...
by epilnk
Fri Sep 19, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8554

Re: Air Purifier for Allergies

I believe all ionic air purifiers generate ozone. Ozone is a significant pollutant and in even small quantities can exacerbate the symptoms of asthma; however it is highly unstable, and thus safe to use in an unoccupied room as long as time elapses after the unit turns off. (High output ozone genera...
by epilnk
Thu Sep 18, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2083

Re: What's in your tax advantage accounts?

I don't see why it's such a bad idea to have a bond fund in a taxable account. I am a newbie investor so correct me if I'm wrong here...but it would seem like you would need a large amount of money in bonds in your taxable before it really affected anything too much. Lets say your dividend is 2.5% ...
by epilnk
Mon Sep 15, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4784

Re: Good hobby for a bright/obsessive 9 year old?

Sounds very similar in personality and temperament to my 11 year old. Once he outgrew the legos he mostly wanted to be on the computer, and since he refuses to participate in sports - even karate and rock climbing, both of which he showed a great deal of aptitude for - we've been looking for other w...
by epilnk
Mon Sep 15, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3322

Re: What's in your tax advantage accounts?

Our tax advantaged IRAs are mostly bonds, but each also contains a small holding of a volatile equity fund - one has small value, the other has EM. I do rebalance. This is a holdover from our slice and dice days, when tax advantaged was a larger fraction of the total. It is not the way I would set i...
by epilnk
Mon Sep 15, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4784

Re: Is there a "catch" in this Xfinity offer ?

Have you been with comcast before? That's the catch. In my experience they absolutely live up to their reputation; I don't know why I gave them a second chance after relocating, but it not a mistake I'm likely to repeat again.
by epilnk
Sat Sep 13, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1641

Re: Need advice on which tablet to buy

The full size ipad vs mini is all about how you value the tradeoffs. Some people are uncomfortable typing on the mini, others find it acceptable (though never quite as good as full size). If you are going to do a lot of typing, weigh that more heavily. If on the other hand you tend to be the kind of...
by epilnk
Sat Sep 13, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2707

Re: A 'really good book' you did NOT enjoy

I have my degree in English and Journalism (yes, I found a job) so I have my fair share of "supposed to be good but are unbearable" books. #1 on my list is Heart of Darkness by Joseph Conrad. I had to read that book so many times and it was rage-inducingly horrible every time. :thumbsdown...
by epilnk
Sat Sep 13, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 11988

Re: Wake up, Vanguard: It ain't 1976 anymore!

I've said it before: If Vanguard doesn't wake up to this shortcoming/opportunity, someday someone else, be it Schwab, Fidelity, Wealthfront, Betterment or maybe someone we haven't heard of yet, is going to leap-frog Vanguard by providing similarly inexpensive indexed investment products with a far ...
by epilnk
Sat Sep 13, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7886

Re: Feeling smug until 10 year ROR from Vanguard

As long as you kept cash invested (no cash drag) in low cost indexes - your received precisely the return you should for your asset allocation. Why would someone feel anything but satisfied that they achieved the market return of their AA? Again, assuming they kept cash invested with no cash drag. ...
by epilnk
Sat Sep 13, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7886

Re: Feeling smug until 10 year ROR from Vanguard

Drat. I just looked and my personal performance calculation at Vanguard is still limited to max 5 years. As is mine. I hope the upgrade is coming. Curious as to why they would roll this out earlier for some clients and not others. They seem to consistently do this with every new feature they roll o...
by epilnk
Sat Sep 13, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7886

Re: Feeling smug until 10 year ROR from Vanguard

asset_chaos wrote:Drat. I just looked and my personal performance calculation at Vanguard is still limited to max 5 years.


As is mine. I hope the upgrade is coming. Curious as to why they would roll this out earlier for some clients and not others.
by epilnk
Sat Sep 13, 2014 2:28 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7886

Re: Anyone have a house with a pool?

We refused to consider any house with a pool. Our children were 3 and 4 years old when we moved here and I lost a small cousin in a pool. At 7 our son was diagnosed with a heat sensitive illness. He has few options for physical activity in the summer, and our summers are long and hot. We scuttled pl...
by epilnk
Thu Sep 11, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2479

Re: How much do you plan to save in your 529 plan?

California here - strong in-state options, no state tax incentive for contributions. Our children are now old enough (grades 6 and 8) for us to predict that as long as they don't go off the rails in high school, at least one and probably both will go on to grad school. We earn too much for financial...
by epilnk
Sun Aug 24, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7152

Re: What actions to take in a stock market crash?

It's not just theoretical - lots of us went through the crash of 2008. I TLH'd in October, rebalanced, then got another TLH when I moved back to my original funds in March. Once you've go through it and seen it work it is much easier to have confidence that you can stay the course in the future. In ...
by epilnk
Mon Aug 04, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5814

Re: Who else hates choosing a car?

Hate choosing a car. Hate it. None is ever exactly what I want - I'd happily pay extra to get exactly what I want but it never seems to exist. I posted a question on bogleheads about choosing a new car, saying I'd decided to replace mine. FIVE YEARS LATER I finally replaced it and I'm still not enti...
by epilnk
Fri Jul 18, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8554

Re: Wife has no retirement options- is breadwinner

We have had limited access to tax sheltered savings over most of our earnings careers. I had a 401k for a grand total of 4 years, no match; my husband has had a 401k for maybe 10 years but only got his first match recently, after turning 50. We have an IRA each (actually mine has my former 401k roll...
by epilnk
Thu Jul 17, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3423

Re: POLL: Walmart vs Amazon

I try to shop prudently. I buy locally when I can, because I value the financial health of my community. I am willing to pay a bit more to patronize a locally owned store, but our town isn't large so I often end up at Target, which has the largest selection of everyday items. Amazon fills pretty muc...
by epilnk
Thu Jul 17, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8872

Re: Home Purchase

Is this a common recommendation here at bogleheads? (25% of Net pay for PITI). I ask because in my state, based on this principal, you literally couldn't buy a house even with an above median income salary. Houses that are 600-800 sq/ft and dump holes sell for over $100k. 25% of net pay for PITI so...
by epilnk
Thu Jul 17, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Purchase
Replies: 14
Views: 1655

Re: Paperwhite for Cloudy-Day Reading

I have an original kindle and my younger son has a paperwhite 2. (The latter originally purchased with the intention of installing a dyslexia font, which used to be possible until Amazon closed the hole that allowed that hack, but I digress.) I'm looking forward to an improved screen for my fading o...
by epilnk
Wed Jul 16, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1907

Re: High end purses

"Not everyone who buys something expensive is doing so to impress others, although that myth is frequently repeated on this board." I agree that it's a myth, but only those who buy expensive things for enjoyment will ever understand. I've had nice collector cars I never talk about in the ...
by epilnk
Tue Jul 15, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 13575

Re: The Risk of Short-term Bond Funds

So to keep your portifilo "safe" should one stick with short term or perhaps TBM and TIPS? If so what ratio should you have? Short bonds are safer in the short term (lower risk of loss). Longer bonds are safer in the longer term (lower risk of erosion of purchasing potential). So you must...
by epilnk
Sat Jul 05, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11700

Re: POLL: Are You Re-Balancing?

New money contributions all go to bonds and have for a long time now. Dividend distributions have been redirected toward the munis. That has been enough to keep the portfolio where I want it.
by epilnk
Fri Jul 04, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5310

Re: The Risk of Short-term Bond Funds

The difference is that we expect high risk for the stock portion of our portfolio. Bonds are for safety. For some people, sure; but if this is not in fact why you buy bonds it doesn't apply. I consider bonds saf er , not safe. I expect the stock portion of my portfolio to go up and down. I expect t...
by epilnk
Fri Jul 04, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11700

Re: The Risk of Short-term Bond Funds

So to keep your portifilo "safe" should one stick with short term or perhaps TBM and TIPS? If so what ratio should you have? Short bonds are safer in the short term (lower risk of loss). Longer bonds are safer in the longer term (lower risk of erosion of purchasing potential). So you must...
by epilnk
Fri Jul 04, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11700

Re: The Risk of Short-term Bond Funds

Isn't it advantageous to own more than one bond fund so one can balance (or tilt) the bond holdings among different funds with differeing duration and credit worthiness? You still end up with a single average duration - an average of averages comes down to one number. In theory I would like to sele...
by epilnk
Thu Jul 03, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11700

Re: The Risk of Short-term Bond Funds

I've been very happy with the rewards from term risk and credit risk over the last five years, but I don't view these results as predictive of the future. Swenson argues (persuasively, to my mind) for taking corporate risk in equities rather than corporate bonds. It's hard to argue that the past fe...
by epilnk
Thu Jul 03, 2014 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11700

Re: The Risk of Short-term Bond Funds

Did you miss returns from intermediate-term bond funds because you sat in a short-term bond fund waiting for interest rates to rise? Well, no, actually; I continued to add to my holdings in long munis, along with intermediate, because my ISP specifies a longer duration and we aren't close to retire...
by epilnk
Wed Jul 02, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11700
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