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by mucho dinero
Sat May 02, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Under the New [ 0.3% ] Fee
Replies: 33
Views: 5154

Re: Vanguard Financial Plan Under the New [ 0.3% ] Fee

Folks, I would like to thank all of you for the input that you provided to me in helping me finalize my decision for this plan. First I would like to apologize to all of you for not quoting Vanguards fee correctly. The fee was 0.3% rather than 0.03% that I had put forth. First I must say that many y...
by mucho dinero
Thu Apr 30, 2015 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Under the New [ 0.3% ] Fee
Replies: 33
Views: 5154

Vanguard Financial Plan Under the New [ 0.3% ] Fee

Folks, I have recently contacted Vanguard concerning their pilot program on Financial Planning. In my initial discussion with their team, they recommended a portfolio consisting of four index funds: Total Stock Market Index Fund(35%), Total Bond Index Fund(40%), Total international Stock Market Inde...
by mucho dinero
Tue Apr 21, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: evaluating two different portfolios in terms of risk/rewards
Replies: 3
Views: 360

evaluating two different portfolios in terms of risk/rewards

Folks, I have recently contacted Vanguard concerning their pilot program on Financial Planning. In my initial discussion with their team, they recommended a portfolio consisting of four index funds: Total Stock Market Index Fund(35%), Total Bond Index Fund(40%), Total international Stock Market Inde...
by mucho dinero
Wed Apr 01, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2222

Re: Advice On Dealer's Offer to Exchange Old for new car

Folks, I would like to thank all of you for the comments you provided to me in making my decision. Just for kicks I sent them a response asking why they were trying to offer me a 4 cylinder car as an exchange for my 6 cylinder. They never replied. So I plan to stay the course and keep my 2007 car fo...
by mucho dinero
Mon Mar 30, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2222

Advice On Dealer's Offer to Exchange Old for new car

Folks, I just received a offer from my dealer offering to exchange my 2007 Nissan Altima for a brand new altima. They talked about offering to provide me with a $24 ,125 2015 Nissan Alima 2.5S for $16,981. The discount would be composed of Gunn Discount of $5,394 plus Nissan Customer Cash of $1, 750...
by mucho dinero
Mon Mar 30, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 1829

Re: Economist Article on role of government bonds

Folks, I would like to thank all of you who responded to my post concerning this article on the role of bonds in bear markets. Each of your remarks helped me to determine an appropriate strategy for the future. Basically I plan to stick with using a asset allocation, appropriate for my age and risk ...
by mucho dinero
Sat Mar 21, 2015 12:44 pm
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 1829

Economist Article on role of government bonds

Folks, According to an article, titled Buttonwood, Skewiff, in the March 21st edition of the Economist: [quote]"government bonds have typically been used as “shock absorbers” within portfolios. When equities or commodities are plunging, government bonds tend to do very well. Even when bonds do ...
by mucho dinero
Sun Feb 08, 2015 7:01 pm
Forum: Forum Issues and Administration
Topic: Showing Newspaper Article in a post
Replies: 5
Views: 754

Re: Showing Newspaper Article in a post

Folks,

Thanks for your replies. Your advice will help me with my future post. :happy
by mucho dinero
Sun Jan 25, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2360

Re: Prognosis On REIT Index Fund

Folks,

I would like to thank all of you for your assistance. I think my best course is to stay the course, and maintain my asset allocations configuration.
by mucho dinero
Sun Jan 25, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2211

Re: Changing Passwords with 2factor authentication

Folks,

I would like to thank all of you for responding to my questions on 2-factor authentication. I can see that the new system will provide more security for the Vanguard Customer.
by mucho dinero
Mon Jan 12, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2360

Prognosis On REIT Index Fund

Folks, According to a newspaoer article I recently read. The following statements where made concerning the current state of REITs in the United States. 1. About 80 percent of the country’s 1,200 malls are considered healthy, reporting vacancy rates of 10 percent or less. But that compares with 94 p...
by mucho dinero
Mon Jan 12, 2015 7:40 am
Forum: Forum Issues and Administration
Topic: Showing Newspaper Article in a post
Replies: 5
Views: 754

Showing Newspaper Article in a post

Folks,

I want to include a article from the New York times in a post I plan to make. Besides cutting and pasting a few lines from the article, how can I show the article in some form of attachment or link. Can I just highlight the link and then paste it to the post or what?

Help please. :confused
by mucho dinero
Sun Jan 11, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2211

Changing Passwords with 2factor authentication

Folks, Now that Vanguard has 2 factor authentication, how often do you recommend changing user ids and passwords? I usually change my user ID twice a year and my password every three months. Also do all of you think that the new 2-factor authentication substantially reduces our vulnerability to hack...
by mucho dinero
Wed Jan 07, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2349

Re: [Security warning at Vanguard site using Chrome on a Mac

Folks, I would like to think all of you for the time and effort that you put into responding to my question relating to the security of the chrome browser. I appreciate that this forum exists for those of us who need some advice, etc in dealing with the many aspects of investing. I can now rest assu...
by mucho dinero
Sat Jan 03, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2349

[Security warning at Vanguard site using Chrome on a Mac]

Folks, When examining the lock on my Vanguard Web site the I received the following message The site is using outdated security settings that may prevent future versions of Chrome from being able to safely access it. The identity of The Vanguard Group, Inc. at Malvern, Pennsylvania US has been verif...
by mucho dinero
Mon Dec 22, 2014 7:28 am
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 3039

Re: Mac Users-evernote app

Folks, I would like to thank all of you for your helpful comments on evernote. I especially am grateful for the comments provided by stan1 on using tags for organizing my documents,, and howies discussion of the superiority of evernote compared to Google Drive/docs. Every one have a great week and a...
by mucho dinero
Sun Dec 21, 2014 8:24 am
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 3039

Mac Users-evernote app

Folks,

Do any of you have experience with using the evernote app for your Mac? I wanted to use it for going to meetings, taking notes, and sharing ideas and concepts with friends and colleagues.

Thanks in Advance
by mucho dinero
Sun Aug 31, 2014 10:42 am
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1263

Re: Policy on changing Passwords

Folks, I would like to thank all of you for the helpful comments that you have provided me in coming to grips with when and how often to change my password. I would like to thank SimonJester for his comments concerning the quality of the password used and to change a specific password when you thank...
by mucho dinero
Tue Aug 26, 2014 8:24 pm
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2149

Re: GMail successfully hacked 92% of the time

ASUGrad »said the following: "On a computer chrome is the safest browser. Gmail with two factor authentication is still very secure. This virus isn't even hacking into gmail. It just allows the hacker to see what you see when you are on your phone. Yes this is verybad, but its very different fr...
by mucho dinero
Tue Aug 26, 2014 5:48 pm
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1263

Re: Policy on changing Passwords

runner9, Thanks for the input. I do not keep my passwords on my browsers. I guess I shold have said that I use different e-mail addresses to correspond with different institutions that I do not want hackers to access. For these different e-mail addresses should I be changing my passwords. Thanks in ...
by mucho dinero
Tue Aug 26, 2014 3:56 pm
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1263

Policy on changing Passwords

Folks,

Every 3-4 months I change all of my passwords dealing with any institutions that I may do financial transactions with. For the different browsers that I may use should I adhere to the same criteria relative to changing passwords?

Thanks in advance.
by mucho dinero
Tue Aug 26, 2014 3:50 pm
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2149

Re: GMail successfully hacked 92% of the time

Folks, I am happy to see that this discussion is happening on this forum. For the last week I have been searching for information concerning this study. To the best of anyones knowledge does this have any implications relative to G-mails accounts or chrome browsers on Desk Tops or lap tops which are...
by mucho dinero
Thu Aug 14, 2014 9:07 pm
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 2023

Re: Best Place to Do Research on Orthopedic Surgeons

Folks, I just got back to my laptop again and I went through all the recent posts that I have received since an earlier post that I made concerning all of the responses that I had reviewed at that time. Once again you all have come up with a "gold mine" of information that I am going to ha...
by mucho dinero
Thu Aug 14, 2014 7:54 am
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 2023

Re: Best Place to Do Research on Orthopedic Surgeons

I would like to thank all of you who have provided answers to my questions. They were all very informative. The Dr who recommended the procedure has seen me for rotator issues on my shoulder for a number of years. Over the last year and a half he has seen me three times for my current problem and ea...
by mucho dinero
Wed Aug 13, 2014 4:29 pm
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 2023

Best Place to Do Research on Orthopedic Surgeons

I have been informed that I am going to need to have surgery on my left shoulder to repair a torn rotator cuff. Where is the best place to go to evaluate the quality of the Surgeon who will be performing the procedure?
Thanks in advance. :?:
by mucho dinero
Wed Aug 06, 2014 10:27 am
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2569

Re: Vanguard's Facebook presence

I would like to think ajcp, KyleAAA and segfault for the advice they provided me on the Facebook question. I did sign up, but I followed the advice about guarding my identity and I also did a very thorough review of face books privacy and other policies regarding other issues relative to security is...
by mucho dinero
Mon Aug 04, 2014 4:57 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2569

Re: Vanguard's Facebook presence

Folks, I have never used Facebook at all. I am a senior citizen who is trying to go high tech. Over the last several years I have become somewhat computer literate, however I still have reservations about using Facebook because I do not want to increase my vulnerability to hackers. Earlier I saw Van...
by mucho dinero
Thu May 08, 2014 8:28 pm
Forum: Personal Consumer Issues
Topic: Yoga [iOS (Apple) apps]
Replies: 4
Views: 600

Re: For Yoga Practicioners Pocket Yoga mentioned in Mac Worl

WhyNotUs,
Thanks for your reply. What level of skill is the Yoga Studio based on? Also is it focused towards hatha, power, vinyassa or ashtanga versions of Yoga?
What is the costs and where do you order?
Thanks.
by mucho dinero
Thu May 08, 2014 7:20 am
Forum: Personal Consumer Issues
Topic: Yoga [iOS (Apple) apps]
Replies: 4
Views: 600

Yoga [iOS (Apple) apps]

Folks,
Does anyone have any experience in using apps pertaining to yoga. The one I have read about is the Pocket Yoga app mentioned on the Reviews section of Mac World page 41.
Thanks in advance.
by mucho dinero
Fri Feb 28, 2014 9:00 pm
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1354

Re: Attention Apple Users-Possible Security Issues

Auream,

Thanks for the information. I have contacted apple and started to backup my mobile devices. I have been backing up my PC every day . So I will do the same with my mobile devices.
by mucho dinero
Wed Feb 26, 2014 7:50 am
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1354

Re: Attention Apple Users-Possible Security Issues

Folks, I would like to thank all of you for your input concerning this issue. I contacted Apple late yesterday and the staff directed me on how to update my Mac and mobile devices in terms of software updates. One more question. They recommended that I backup my I-pad and I-phone. How often do all o...
by mucho dinero
Mon Feb 24, 2014 7:01 pm
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1354

Attention Apple Users-Possible Security Issues

Folks, Saturday afternoon on Fox Business Channel and today on CNBC I heard that security issues had been detected with Apple. The anchors stated that when accessing web sites pertaining to your financial institutions you may want to use the Chrome Browser rather than Safari to be on the safe side. ...
by mucho dinero
Mon Feb 17, 2014 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: 2nd Post on Federal Retiree Needs Help With Portfolio
Replies: 2
Views: 370

2nd Post on Federal Retiree Needs Help With Portfolio

Folks, This is a followup to a previous post concerning this topic. The primary advice given at that time was primarilly to reduce our debts. And we did just that. My wife and I are currently revising our portfolios and we would like to request your advice with the proposed portfolio which we have j...
by mucho dinero
Mon Feb 10, 2014 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Retiree Needs Help With Revising Portfolio
Replies: 10
Views: 1185

Re: Federal Retiree Needs Help With Revising Portfolio

Folks, Once again I would like to thank all of you who have responded to my post. I have just discussed your comments with my wife and decided that we are going to pay off some of the credit cards which have the highest interest rates. Livestock thanks for pointing out our reluctance to sell assets ...
by mucho dinero
Sun Feb 09, 2014 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Federal Retiree Needs Help With Revising Portfolio
Replies: 10
Views: 1185

Re: Federal Retiree Needs Help With Revising Portfolio

Folks, I would like to thank all of you for the responses that you have provided me. Let me start with Laura. At this time both of us are retired, and neither my wife or I are working part time. The $300 a month we are contributing is to our taxable account. the reason we are not directing the $300 ...
by mucho dinero
Fri Feb 07, 2014 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Retiree Needs Help With Revising Portfolio
Replies: 10
Views: 1185

Federal Retiree Needs Help With Revising Portfolio

Folks, My wife and I are currently revising our portfolios and we would like to request your advice with the proposed portfolio which we have jointly developed. But first let me provide the following information: Emergency funds: $5,000+?. However we both have inflation adjusted pensions and social ...
by mucho dinero
Wed Jan 01, 2014 4:41 pm
Forum: Investing - Theory, News & General
Topic: Diversification Properties of REITs
Replies: 6
Views: 1080

Diversification Properties of REITs

Folks, Over the years on this forum it has been recommended to use REITs in order to diversify a portfolio because it is an asset class that is not highly correlated with equities. However when reading Morningstar today I found an article by Samuel Lee titled REITs: Diversifying, Real Returns for th...
by mucho dinero
Mon Dec 30, 2013 6:40 pm
Forum: Investing - Theory, News & General
Topic: Recommended ratio of st versus intermediate Tips funds
Replies: 5
Views: 516

Re: Recommended ratio of st versus intermediate Tips funds

Folks, I would like to thank all of you for your comments. I can see that there is no one answer that would apply to everyone or a simple formula to determine a ratio of short term to intermediate term inflation protected bonds. One needs to consider if they have an indexed adjusted pension, suffici...
by mucho dinero
Fri Dec 27, 2013 10:50 am
Forum: Investing - Theory, News & General
Topic: Recommended ratio of st versus intermediate Tips funds
Replies: 5
Views: 516

Recommended ratio of st versus intermediate Tips funds

Folks,

Is there a recommended ratio of short term versus intermediate term for TIPS bond funds for retirees. I searched the Wiki files and I was unable to find any information of this topic.

Thanks in advance. :wink:
by mucho dinero
Fri Jul 05, 2013 10:43 am
Forum: Investing - Theory, News & General
Topic: The Rise of Smart Beta(fundamental indexing)-Economist
Replies: 30
Views: 3191

Re: The Rise of Smart Beta(fundamental indexing)-Economist

Stlutz,

Thanks. I will follow that procedure from now on. Do you think it would be wise if I reposted the same topic using the link you mentioned? I think the initial post may have been too long to hold the interest of most readers.
by mucho dinero
Fri Jul 05, 2013 8:12 am
Forum: Investing - Theory, News & General
Topic: The Rise of Smart Beta(fundamental indexing)-Economist
Replies: 30
Views: 3191

The Rise of Smart Beta(fundamental indexing)-Economist

Bogelheads, In the following article in the Economist it stated: "INVESTORS face a quandary. Cash offers a return of virtually zero in many developed countries; government-bond yields may have risen in recent weeks but they are still unattractive. Equities have suffered two big bear markets sin...
by mucho dinero
Fri May 31, 2013 7:16 am
Forum: Personal Consumer Issues
Topic: Attention Mac Users - excel versus numbers
Replies: 4
Views: 811

Re: Attention Mac Users - excel versus numbers

Folks,

I would like to think all of you for your helpful comments. I think I will stick with excel. :sharebeer
by mucho dinero
Wed May 29, 2013 6:36 am
Forum: Personal Consumer Issues
Topic: How Safe is Paypal
Replies: 38
Views: 3126

Re: How Safe is Paypal

Folks,

I would like to thank all of you for your helpful comments and suggestions regarding PayPal. I am going to contact my credit card companies to see if I can obtain a virtual credit card, as duckie recommended, in order to purchase items on PayPal.

This is a great forum.
by mucho dinero
Tue May 28, 2013 8:04 am
Forum: Personal Consumer Issues
Topic: Attention Mac Users - excel versus numbers
Replies: 4
Views: 811

Attention Mac Users - excel versus numbers

Folks,

For those who use the Mac do you find that the apple numbers software superior to excel in doing general numbers crunching, spread sheets and financial analysis? Which system is more user friendly?

Thanks in advance.
by mucho dinero
Mon May 27, 2013 6:35 am
Forum: Personal Consumer Issues
Topic: Attention Mac Users - Vanguard Policy on On-line fraud
Replies: 17
Views: 2678

Re: Attention Mac Users - Vanguard Policy on On-line fraud

Bayview, I will keep you posted. I have only been using it for two days so far. However yesterday I used the the new AV software in conducting a manual scan on a e-mail that I suspected could have been troublesome and it helped me insure that my computer was not attacked by a virus. Have a good Memo...
by mucho dinero
Sun May 26, 2013 8:34 pm
Forum: Personal Consumer Issues
Topic: Attention Mac Users - Vanguard Policy on On-line fraud
Replies: 17
Views: 2678

Re: Attention Mac Users - Vanguard Policy on On-line fraud

Folks, I would like to thank all of you for your comments. Because of your input I was able to make a very informed decision. I plan to use the ClamXav AV software . I have already activated the firewall provided by apple. Also I have learned from many of the comments that where provided to me on th...
by mucho dinero
Sun May 26, 2013 2:51 pm
Forum: Personal Consumer Issues
Topic: How Safe is Paypal
Replies: 38
Views: 3126

How Safe is Paypal

Folks, How comfortable do you feel about making payments through PayPal? I have just reviewed some articles on the safety of PayPal and I was not totally convinced about the security of PayPal. I do not intend, at this time, to sale anything through the PayPal service, however as a consumer some ret...
by mucho dinero
Fri May 24, 2013 5:31 pm
Forum: Personal Consumer Issues
Topic: Attention Mac Users - Vanguard Policy on On-line fraud
Replies: 17
Views: 2678

Attention Mac Users - Vanguard Policy on On-line fraud

Folks, Two weeks ago I reviewed the Vanguard Policy on On-line Fraud. Under the list of responsibilities of the Vanguard customer Vanguard requires that the customer use the latest versions of anti-spyware, anti-virus(AV) and firewall software to guard against malware. I contacted the technical serv...
by mucho dinero
Thu Apr 04, 2013 8:06 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Robert Wiedmer,, Author of Aftershock
Replies: 1
Views: 402

Thoughts on Robert Wiedmer,, Author of Aftershock

Folks, I know this topic is a little unusual, but I thought that I would solicit the advice of this forum concerning how to react to the book Aftershock and the creditability of the author Robert Wiedmer. A friend of mine sent me a e-mail describing Wiedmer's comments. Basically he is predicting a b...

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