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Re: Insurance tracking your car

Right now, in many states, the data can be accessed, without your permission, & used against you (or in your favor) in a court. Thank God. We just recently had a woman driving at least twice the speed limit in SF, crash into another car and kill a boy and seriously injured 5. Earlier background...
by lindisfarne
Sun Oct 27, 2013 12:01 am
 
Forum: Personal Consumer Issues
Topic: Insurance tracking your car
Replies: 49
Views: 2363

Re: Insurance tracking your car

At some point in the not too distant future (and right now for some vehicles), your car will be "tattling" on your driving habits, whether you sign up for it or not. Intelligent transport systems (ITS) is a set of standards by which vehicles wirelessly communicate their current status to ...
by lindisfarne
Sat Oct 26, 2013 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Insurance tracking your car
Replies: 49
Views: 2363

Re: Washinton Post article on personal Debt

My guess is though that this generation will not be as prosperous as their parents. A combination of rising demographic burdens plus starting life with much larger student loans. AND a really tough job market. It's why we have to keep fighting the good fight, because relatively small amounts of cas...
by lindisfarne
Thu Oct 24, 2013 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Washington Post article on personal Debt
Replies: 23
Views: 4030

Re: DCA on Down Days?

I have a lot of money that I plan on DCA-ing into Vanguard funds over the next year (I understand this may not be optimal, but it helps me sleep better). Rather than DCA-ing on a set schedule, would it be more beneficial to buy more of a fund on days that it will be expected to close down (by monit...
by lindisfarne
Thu Oct 24, 2013 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: DCA on Down Days?
Replies: 27
Views: 1817

Re: A Message from Jack

Dear Mr. Bogle: Thank you for your integrity and your willingness to fight for all investors, including the "little" ones. I've become aware of your advice gradually (and I wish it had been years earlier), but once I found this forum, I learned a lot very quickly from all those who have le...
by lindisfarne
Tue Oct 22, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Message from Jack
Replies: 25
Views: 5153

Re: Cheapest way to own and operate a car

The Civic lease (which they seem to have been running for years) is actually below $200 per month, but once you spread out the down payment and fees over 36 months of the lease, it comes out to around $200 per month. If you run the course of a 36 month lease, at the end you have not lost any equity...
by lindisfarne
Tue Oct 22, 2013 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest way to own and operate a car
Replies: 18
Views: 2243

Re: Insurance Bureau score - anyone know what factors in?

I finally got the information I was entitled to under state law regarding why the credit for "insurance bureau score" on my insurance policy had decreased. Care to share what caused the decrease? Too many credit inquiries. As long as they apply rules the same across all state customers, t...
by lindisfarne
Tue Oct 22, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Bureau score - anyone know what factors in?
Replies: 24
Views: 1539

Re: the games brokers play at your expense

Unfortunately, many Americans get paid relatively little, and work in relatively stressful jobs, and they don't have time to educate themselves on investment (assuming they have any money at all to invest). Many work more than 40 hours/week just to meet basic needs. I don't know if you can regulate ...
by lindisfarne
Tue Oct 22, 2013 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: the games brokers play at your expense
Replies: 15
Views: 2180

Re: Neurosleep - does it work?

To add to my previous reply: If you believe neurosleep will help, there's a good chance it will. Not because of what is in it, but because the PLACEBO effect is quite powerful. (That belief may even help you relax more than normal so you can go to sleep.). I'll tell you something, however: the avail...
by lindisfarne
Tue Oct 22, 2013 1:18 am
 
Forum: Personal Consumer Issues
Topic: Neurosleep - does it work?
Replies: 17
Views: 1440

Re: Neurosleep - does it work?

I'm suspicious. I'd have to see peer-reviewed studies that assess (1) whether this is safe and (2) whether it produces normal sleep cycles. Pubmed.com has no such studies. If you do not have normal sleep cycles, you may be in bed for 8 hours, but that does not mean the sleep you get is as restful as...
by lindisfarne
Tue Oct 22, 2013 1:11 am
 
Forum: Personal Consumer Issues
Topic: Neurosleep - does it work?
Replies: 17
Views: 1440

Re: U-Haul Insurance

Most auto insurance policies explicitly say they do not cover rental of moving trucks. Even if your policy does, ask yourself whether it's worth risking a claim on your policy. Additionally, do you have a deductible? Do you have enough coverage to cover the truck in full, plus any extra charges U-ha...
by lindisfarne
Mon Oct 21, 2013 7:42 pm
 
Forum: Personal Consumer Issues
Topic: U-Haul Insurance
Replies: 10
Views: 1312

Re: Cheapest way to own and operate a car

Fixing a car one currently owns can be a good decision - although it depends on the make of the car & what the statistics say about how long that specific car typically lasts. You have to have a good mechanic who will adequately assess what other systems on the car might go bad in the next few y...
by lindisfarne
Mon Oct 21, 2013 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest way to own and operate a car
Replies: 18
Views: 2243

Re: Home values in Miami, Florida

I won't dispute a Nobel Laureate about nationwide housing as an investment, but in our area (Miami, Florida), most homes (especially waterfront homes) have gone up in value faster than the S&P over long periods of time. Best wishes. Taylor Sell fast. Those waterfront homes may be under water (l...
by lindisfarne
Mon Oct 21, 2013 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 22236

Re: Help! I withdrew from my Roth IRA emergency fund

Bogle101 wrote:Wow this seems like almost a loophole. I thought once you remove your Roth IRA contribution for an emergency that was it. Just another reason Roth IRA is such a great investment tool for the little guy.


Read Publication 590. This is clearly allowed.
by lindisfarne
Mon Oct 21, 2013 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! I withdrew from my Roth IRA emergency fund
Replies: 17
Views: 2057

Re: Auto accident - Repair it or keep the money for next veh

Have you verified that $700 would cover the cost of the repair? Bumper repairs - even those that do not appear to leave damage (at least not visible just by looking on the outside) - can be expensive. A damaged bumper is a safety issue; if it's not repaired, it may not protect you properly in anothe...
by lindisfarne
Mon Oct 21, 2013 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Auto accident - Repair it or keep the money for next vehicle
Replies: 12
Views: 876

Re: How much storage space do you have?

I consider the entire house storage.
by lindisfarne
Sun Oct 20, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: How much storage space do you have?
Replies: 18
Views: 2159

Re: Help! I withdrew from my Roth IRA emergency fund

It would be good to call Vanguard and have them walk you through the correct process. This is exactly what you need to do. You cannot return the money via the internet. You also need to insist that you talk to a specialist who is intimately familiar with the process of returning money to a Roth IRA...
by lindisfarne
Sun Oct 20, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Help! I withdrew from my Roth IRA emergency fund
Replies: 17
Views: 2057

Re: Insurance Bureau score - anyone know what factors in?

I finally got the information I was entitled to under state law regarding why the credit for "insurance bureau score" on my insurance policy had decreased. I would not have received this information had it not been for the intervention of the state office that has oversight over insurance ...
by lindisfarne
Sat Oct 19, 2013 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Bureau score - anyone know what factors in?
Replies: 24
Views: 1539

Re: Vanguard, Schwab or Fidelity [recommend a discount broke

Fidelity charges $50 to close each account.
Vanguard doesn't. Vanguard's fees are as low if not lower than Fidelity for the things I care about.
by lindisfarne
Fri Oct 18, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard, Schwab or Fidelity [recommend a discount broker]
Replies: 31
Views: 3095

Re: 6 tips from Jack Bogle on teaching your kids how to inve

Aside from his oldest son, now a hedge fund manager, Bogle's children did not display much interest in investing. Bogle never forced the conversation on them.


I wonder if they've agreed to not discuss certain topics (especially when Warren Buffett comes to dinner). :D
by lindisfarne
Thu Oct 17, 2013 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: 6 tips from Jack Bogle on teaching your kids how to invest
Replies: 18
Views: 1262

Re: Shiller Thinks Owning a Home is a Terrible Investment

If I were to rent my home, I would be paying more than I currently pay for mortgage, tax, & insurance, plus I'm building equity. If it is true that rents are way out of line with ownership costs, the rational investment decision would be to move out and rent your home for a substantial profit, ...
by lindisfarne
Wed Oct 16, 2013 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 22236

Re: Games which "teach investing"

The Stanford Marshmallow Experiment evaluates, if not teaches, the most important aspect of investing - patience. It doesn't evaluate patience, it evaluates impulse control in a fairly specific situation. Many of those kids who eat the marshmallow can probably demonstrate patience when there isn't ...
by lindisfarne
Wed Oct 16, 2013 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Games which "teach investing"
Replies: 14
Views: 1310

Re: Shiller Thinks Owning a Home is a Terrible Investment

If I were to rent my home, I would be paying more than I currently pay for mortgage, tax, & insurance, plus I'm building equity. If it is true that rents are way out of line with ownership costs, the rational investment decision would be to move out and rent your home for a substantial profit, ...
by lindisfarne
Wed Oct 16, 2013 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 22236

Re: How many square feet is your home?

Based on the replies here, BHs (on average) live in homes that are larger than the average home!
by lindisfarne
Wed Oct 16, 2013 5:15 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 11214

Re: Shiller Thinks Owning a Home is a Terrible Investment

If I were to rent my home, I would be paying more than I currently pay for mortgage, tax, & insurance, plus I'm building equity. With each passing year, what I pay is a smaller percentage of what I would have to pay in rent. I do most work myself so maintenance costs are not too bad. I will end ...
by lindisfarne
Wed Oct 16, 2013 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 22236

Re: outdoor security camera?

Thanks THY4373 for the very useful information!
by lindisfarne
Wed Oct 16, 2013 4:09 pm
 
Forum: Personal Consumer Issues
Topic: outdoor security camera?
Replies: 9
Views: 1275

Re: Recumbent stationary bike recommendations Please?

There's a thread on here about stationary bikes; there were some recommendations for recumbents in that thread.
by lindisfarne
Wed Oct 16, 2013 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Recumbent stationary bike recommendations Please?
Replies: 8
Views: 1073

Re: How Often Do Gamblers Really Win?

I read the WSJ article earlier.
Data. Beautiful data. It's so much better than opinion. Of course, it doesn't always change people's opinion, but if the research is good, it will change mine (I have been always of the opinion it's a waste of money to gamble).
by lindisfarne
Mon Oct 14, 2013 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: How Often Do Gamblers Really Win?
Replies: 51
Views: 4269

Re: Delay Social Security to age 70 and Spend more money at

This is an excellent thread. It changed my mind, although doing as suggested by OP requires having put away enough $ for years 62-70 (or else working for those years).
by lindisfarne
Mon Oct 14, 2013 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 14173

Re: Social security at 62 vs 70

There are many very good discussions about this issue on here, many well worth reading. They will pop up if you do a search.
This was one excellent thread.
viewtopic.php?f=10&t=102609
by lindisfarne
Mon Oct 14, 2013 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5970

Re: New employer requires me to move my accounts to their br

JamesSFO wrote:
Why/where is this a right?


I question why this isn't a legally protect right. There has to be an appropriate balance between the needs of an employer, employee, and a society to have a thriving, healthy economy and society.
by lindisfarne
Sun Oct 13, 2013 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: New employer requires me to move my accounts to their broker
Replies: 39
Views: 2794

Re: New employer requires me to move my accounts to their br

How can this possibly be legal? The employer is dictating where the money is held. That seems to be a conflict of interest. The OP is an employee at will, OP does not have to work anywhere he does not desire to do so. If he disagree's with company policy that is meant to protect the firm and himsel...
by lindisfarne
Sun Oct 13, 2013 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: New employer requires me to move my accounts to their broker
Replies: 39
Views: 2794

Re: New employer requires me to move my accounts to their br

How can this possibly be legal? The employer is dictating where the money is held. That seems to be a conflict of interest.
by lindisfarne
Sat Oct 12, 2013 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: New employer requires me to move my accounts to their broker
Replies: 39
Views: 2794

Re: Anyone run a remanufactured engine in their car?

My brother put a rebuilt engine & tranny in a 2000 corolla for me 6.5 years ago. Still running. Very few repairs required since, although it burns a lot of oil (not so unusual in an 8th generation corolla). Knock on wood.
by lindisfarne
Sat Oct 12, 2013 2:05 am
 
Forum: Personal Consumer Issues
Topic: Anyone run a remanufactured engine in their car?
Replies: 21
Views: 1331

Re: FYI- PenFed certificate rates increase

Those rates are so depressing, considering how long the $ is tied up for.
by lindisfarne
Fri Oct 11, 2013 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: FYI- PenFed certificate rates increase
Replies: 3
Views: 735

Re: Reasons to have accounts at multiple institutions

There may be fees when you close accounts so find out what they are and see if there's a way to avoid most if not all of them (perhaps by consolidating funds at one institution into one type of account at that institution). At one institution I was at, it was having a brokerage account that caused m...
by lindisfarne
Thu Oct 10, 2013 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to have accounts at multiple institutions
Replies: 30
Views: 3839

Re: Jack Bogle says rebalancing is overhyped?!

This isn't anything new from Bogle. He's said he's willing to tolerate a good deal of variation from your planned asset allocation. 5% variation is not too much. But when stocks consistently do well, a buy-and-hold strategy delivers superior returns. "Market sentiment tends to persist, so if yo...
by lindisfarne
Thu Oct 10, 2013 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle says rebalancing is overhyped?!
Replies: 83
Views: 9480

Re: dishwasher vs manual dish washing

The answer depends on how you go about washing dishes by hand. If you leave the water running on full from the time you start washing until the time you end washing, the dishwasher probably uses less water. But, one can wash dishes by hand very differently and use a minimal amount of water. The conc...
by lindisfarne
Thu Oct 10, 2013 8:12 pm
 
Forum: Personal Consumer Issues
Topic: dishwasher vs manual dish washing
Replies: 54
Views: 4689

Re: The new safe withdrawal rate

While I agree that most Americans don't have much money when they retire, and I agree that it is possible to live on far less than many bogleheads think they need for retirement, it is the case than invested funds fluctuate in value, sometimes by a lot. In a worse case scenario (lets say someone ret...
by lindisfarne
Thu Oct 10, 2013 1:25 am
 
Forum: Investing - Theory, News & General
Topic: The new safe withdrawal rate
Replies: 285
Views: 19828

Re: Lead paint inspection prior to home purchase?

I would assume that any house built prior to 1980 has some lead paint. If you're concerned about lead pain, you shouldn't purchase a house built before that date. Yes, there are serious concerns about lead in paint. There really is no safe level, although as exposure drops, so do the risks. As stand...
by lindisfarne
Wed Oct 09, 2013 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Lead paint inspection prior to home purchase?
Replies: 18
Views: 1051

Re: Anyone else freaking about the state of the market?

I'm hoping a lot of people sell & the market drops. I'm not expecting a crash, but 5% would be nice. I just got some cash I plan to invest. The market will recover (even if it drops more than 5%). Too bad I couldn't have invested on June 24, 2013, when the market was 10% lower than it is today (...
by lindisfarne
Mon Oct 07, 2013 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else freaking about the state of the market?
Replies: 95
Views: 8283

What Each Spouse Should Know About Finances (WSJ)

Good article (at least for starters) on managing finances so both spouses have basic knowledge in case one spouse dies: http://online.wsj.com/article/SB10001424127887323394504578609623238153836.html?mod=hp_jrmodule Start the list with financial accounts, including 401(k)s, individual retirement acco...
by lindisfarne
Mon Oct 07, 2013 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Each Spouse Should Know About Finances (WSJ)
Replies: 6
Views: 1658

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

I think their policy discourages market timing traders - not investors. If you think the market is going up at the beginning of the day, then see it is not going your way, why give you the benefit of that hindsight? If you wait until the end of the day to make the exchange, you can still engage in ...
by lindisfarne
Mon Oct 07, 2013 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7263

Re: Creditor protection of IRA and 403(b) accounts?

The Wall Street Journal had an interesting article about this. See here http://www.bogleheads.org/forum/viewtopic.php?f=1&t=122683&hilit=+wsj There are also numerous threads here about this issue - you'll learn a lot if you do appropriate searches & read. IRA laws vary by state. 401k law...
by lindisfarne
Mon Oct 07, 2013 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Creditor protection of IRA and 403(b) accounts?
Replies: 7
Views: 560

Re: Quick ?: Will Vanguard let an individual have >1 account

I'm not so paranoid that I want to work with another company. But, there have been discussions on here about the problems with Vanguard's security. I'm very careful when logging in - only over wired (making sure to shut off wireless), and always opening the browser new so no other tabs are open, and...
by lindisfarne
Mon Oct 07, 2013 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick ?: Will Vanguard let an individual have >1 account?
Replies: 9
Views: 1536

Re: Annoyed with Vanguard. Poor tech. How do you cancel trad

Vanguard clearly says that exchanges cannot be changed once made. They do this online & over the phone. If you don't like that policy, you have to go elsewhere. I'd suggest waiting until less than an hour before the end of trading day if you're not sure - that way you are as sure as you can be w...
by lindisfarne
Mon Oct 07, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7263

Re: Norton Internet Security vs Trend Micro Titanium

Norton in the early 2000s (before NIS) was clunky & bloated but it got much better - I used it from about 2006 - 2010 and it was fine. I have Trend Micro on my work computer and I do *not* like it (in part because somehow, it let a virus through a couple of years ago & took about 2 months to...
by lindisfarne
Mon Oct 07, 2013 1:26 am
 
Forum: Personal Consumer Issues
Topic: Norton Internet Security vs Trend Micro Titanium
Replies: 18
Views: 3411

Quick ?: Will Vanguard let an individual have >1 account?

Does anyone know: will Vanguard let an individual have more than 1 account. I don't mean just different IRAs (I have multiple IRAs), for example, but rather, different accounts that you use different log in credentials to get into (they would both be linked to same SS#, etc.) Perhaps I'm a little pa...
by lindisfarne
Mon Oct 07, 2013 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick ?: Will Vanguard let an individual have >1 account?
Replies: 9
Views: 1536

Re: Bogle - Swap Treasuries for Corporates

Bogle has been saying this for a while now - at least a year.
by lindisfarne
Thu Oct 03, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogle - Swap Treasuries for Corporates
Replies: 59
Views: 6252

Re: Canon Laser Printer

Have you tried google to see if someone else had the same problem & found a solution? Type in the model number as well as relevant key words - you may have a lot of irrelevant hits but you might find the answer.
by lindisfarne
Wed Oct 02, 2013 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Canon Laser Printer
Replies: 15
Views: 1267
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