Search found 960 matches

by 2015
Mon Dec 11, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 19
Views: 1328

Re: Vanguard Security Keys

I think this is still missing the. OPs point. It's not the OPs behavior that's under question, but the attacker's. The attacker can easily use code sent to a phone instead of the Yubi, because Vanguard allows this. OP is asking what's the point of changing OPs behavior when it doesn't make it any t...
by 2015
Mon Dec 11, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 19
Views: 1328

Re: Vanguard Security Keys

What is your attack scenario? Security threats do not exist in a vacuum, nor do attackers pop out of thin air. When you say the attacker "can easily use code sent to a phone," how are they getting those codes? It's most likely going to be through phishing. But if your behavior is to always expect a...
by 2015
Mon Dec 11, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 27
Views: 2304

Re: Vanguard economic and market outlook for 2018

Anything like this is a total turnoff to me. I’m sure for Vanguard it’s a marketing obligation . The outlook from Fischer Investments is probably just as credible and can be delivered in a real fancy envelope. — Tet Every prediction is a marketing obligation of one sort or another. A good heuristic...
by 2015
Sun Dec 10, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 19
Views: 1328

Re: Vanguard Security Keys

So is my conclusion correct... a security key does not provide additional security over using security codes? They both provide strong account security. The security key is a technically better though because it cannot be phished. With security codes, a bad actor could trick you into entering the s...
by 2015
Sun Dec 10, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 27
Views: 2304

Re: Vanguard's 2018 Outlook has extremely low expected returns

I predict there will be more predictions in the coming year, predictions that are based on crystal ball gazing and have little correlation to what actually occurs in the world. +1 Not to mention all the other valuations voodoo, links to throwing of chicken bones, threads on witch doctor "expert" pr...
by 2015
Sun Dec 10, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Executor responsibilities
Replies: 44
Views: 2777

Re: Executor responsibilities

Thank you for posting this. It is exactly the process I .... will be using when the time comes to serve as executor for my mother's estate. I am glad if my notes might help. To tell a past story (assuming the IRS cannot identify me from this post!) I went through essentially the same process many y...
by 2015
Sun Dec 10, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 81
Views: 5175

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

To be honest, I am not a fan of affirmations or stuff that comes out of fortune cookie as it is not direct on what to do and is hard to be actionable after reading it. I have found out the lowest hanging fruit in success in life is PLANNING. That simple. I figure there are about 80% of people (if e...
by 2015
Sun Dec 10, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Executor responsibilities
Replies: 44
Views: 2777

Re: Executor responsibilities

I am in a similar situation right now with my father. I understand there are two issues, and bsteiner has suggested a third. 1. How to pay final expenses and income taxes. My father also has a will that, on its face, would need to be probated, with me as the executor. Working with my father, I have...
by 2015
Sun Dec 10, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 19
Views: 1328

Re: Vanguard Security Keys

No, the key is not "required". When I first got my Yubikey and was still learning not to use it while the laptop is on anything but a flat surface :oops: I actually had to have VG send a text during a log on. OTOH, shortly thereafter I learned to use it only when the device is flat and now only use ...
by 2015
Sat Dec 09, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

Victoria Please note that, so far, I have zero experience of using smartphones. One of many reasons for not using a phone earlier is that I've seen many articles about various smartphone exploits. Krack is the name of a recent WiFi exploit; there were WiFi vulnerabilities before Krack and there wil...
by 2015
Fri Dec 08, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 6944

Re: Jack Bogle Is Worried About U.S. Pensions

The facts are there: - Bonds yield are low. - Stock valuations are high. Therefore the main driver of gains become earnings growth. I'll leave as a simple exercise for those interested to estimate how much earning growth is needed to make 10%/year. It is as simple as that, not to mention that a lar...
by 2015
Fri Dec 08, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 73
Views: 11266

Re: Why am I still scared ? Is it actually normal ?

Many times what we are worried about is related to something else. I highly recommend reading The Science of Fear along with The Gift of Fear: https://www.amazon.com/Gift-Fear-Survival-Signals-Violence/dp/0440226198 https://www.amazon.com/Science-Fear-Culture-Manipulates-Brain/dp/B0030EG0OS/ref=sr_1...
by 2015
Fri Dec 08, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 6944

Re: Jack Bogle Is Worried About U.S. Pensions

No disrespect to Jack, but the "experts" have been predicting negative returns in bonds for the past 5 or 6 years and low stock returns for the last year or two. Hasn't happened as predicted. Sure, if you keep forecasting a poor returns, you will be correct eventually. Even a broken watch is right ...
by 2015
Thu Dec 07, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1691

Re: SSN on job applications

I always simply left the SSN area blank. When applying for anything, always ensure your background and qualifications speak for themselves while ensuring they match the position you are applying for. And did a company (if interested) ever contact you and ask you for it so they could move forward wi...
by 2015
Thu Dec 07, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1691

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by 2015
Thu Dec 07, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 34
Views: 3490

Re: should I use vanguard's 2 step verification sign in

If you're using 2FA, make sure its done in a more secure way... Why to use Google Authenticator over SMS/Text codes: https://www.wired.com/2016/06/hey-stop-using-texts-two-factor-authentication/ I use Authenticator and printed passcodes as backup recovery to Yubikey at VG, and avoid SMS 2FA on othe...
by 2015
Thu Dec 07, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1691

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by 2015
Thu Dec 07, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: LMP until Social Security at 70
Replies: 10
Views: 881

Re: LMP until Social Security at 70

I agree with dbr in that it depends with a lot of moving parts. It certainly depends on the size of one's PF, one's AA, one's desired annual income, as well as the size of SS after 70. I currently have 1 year in cash and 3 yrs expenses in VBIRX because I'm too lazy to ladder CD's at this time. In a ...
by 2015
Wed Dec 06, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2630

Re: Umbrella liability insurance policy to match portfolio size?

To use an imperfect analogy: if you were constructing a building at the seashore, would your seawall be the height of the largest wave (plus some margin), or the height of the building? Clearly what matters is the tallest wave you might encounter. As others have said, ANY size umbrella policy can b...
by 2015
Wed Dec 06, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 30
Views: 2820

Re: Vanguard e-delivery

Just about everything I do is digital. Paper of any kind is a nuisance to me, something to be opened, handled, filed, stored, shredded, recycled. Physical handling is space-hoarding while access is space-freeing (and freeing in other ways as well). Access leads to efficiency, greater effectiveness, ...
by 2015
Wed Dec 06, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Risk management
Replies: 8
Views: 716

Re: Risk management

Still waiting to hear back from them, my hopes are not too high tho. One of the manager threw that question to me towards the end of the interview, didn't quite get what he was asking either so i said yes and kinda explain the mechanism. There was another one on my thoughts on index reconstruction,...
by 2015
Wed Dec 06, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

Edited to add: I use Uber and yes they do have my credit card info, but I'm not concerned with someone stealing my phone just to get my CC info. Same with GPS. To me the risk is quite small whoever would steal my phone would be doing so to learn my address and try and rob me. I am also really happy...
by 2015
Tue Dec 05, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2568

Re: Lowering real estate agent costs when selling?

The problem with all of this advice is that, by definition, real estate is local. In some areas, FSBO or Redfin are common while in others they aren't. Only take advice from someone who knows your specific area very well. For example, in my town most sellers use an agent. When you see someone selli...
by 2015
Tue Dec 05, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 34
Views: 3490

Re: should I use vanguard's 2 step verification sign in

Got an email from Vanguard offering 3 new security measures for accounts. Sounds like a good idea but thought I would put it out for any discussion before I make any changes. I am thinking of just using the security code via text option. Security codes This service—a type of “2-step verification”—s...
by 2015
Tue Dec 05, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 28
Views: 2097

Re: Best solution for digitizing documents?

Fujitsu ScanSnap (to scan) and then PDFPenPro (to OCR). Some moved to specific folders using Hazel (based on account numbers). All automatic. I hate paper and do what I can to eliminate it . And it drives me nuts when other people will print something and then scan it so they can email it to me. <s...
by 2015
Mon Dec 04, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Parents Retirement
Replies: 13
Views: 1755

Re: Parents Retirement

Is downsizing a possibility? Would they be willing to relocate to an area with a lower cost of living, assuming they could find one?
by 2015
Mon Dec 04, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

Edited to add: I use Uber and yes they do have my credit card info, but I'm not concerned with someone stealing my phone just to get my CC info. Same with GPS. To me the risk is quite small whoever would steal my phone would be doing so to learn my address and try and rob me. I am also really happy...
by 2015
Mon Dec 04, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement: Resources?
Replies: 11
Views: 1291

Re: Taxes in Retirement: Resources?

FiveK wrote:
Mon Dec 04, 2017 1:30 pm
2015 wrote:
Mon Dec 04, 2017 11:54 am
...there is an current informative and useful discussion going on at earlyretirement.org.
http://www.early-retirement.org/?
Yes, sorry for the confusion.
by 2015
Mon Dec 04, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

Victoria, check out Republic Wireless. ... For example, I used wifi at the resort I was at in Mexico to access this and other forums and blogs Thank you, I will check out Republic Wireless. When you were in Mexico, you just used WiFi, right? You did not get a local SIM? Victoria I was in Punta Mita...
by 2015
Mon Dec 04, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

Victoria, check out Republic Wireless. I've been with them since getting my 1st Gen G 2 1/2 years ago. I have the talk/text/unlimited data over Wifi with no cell data for $12.00 month. If I'm understanding Republic correctly, that will rise to $15.00 a month with this new phone. Unlike many, I rarel...
by 2015
Mon Dec 04, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

You can do everything on your phone with no SIM except make a call and text with your number. Even that isn't really true. You can update all apps on Wi-Fi (when you get the phone, there will be updates because it has been sitting at the install version). Excellent! You can install an app like Text...
by 2015
Mon Dec 04, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement: Resources?
Replies: 11
Views: 1291

Re: Taxes in Retirement: Resources?

For me, all bets are kinda off until the final tax reform law is out. Then I'll start shaking the blogsphere/website bushes regarding strategies with which to respond. Unlike here, there is an current informative and useful discussion going on at earlyretirement.org.
by 2015
Sun Dec 03, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2830

Re: Investment Portfolio Tracking & Spreadsheets

OTOH, since I've been using them for years, they don't seem complex at all. The spreadsheets are invaluable as they help me remain within net worth targets, monthly budgeting targets, category expenditure targets, and annual budget targets. THIS! Based on one excellent thread here, I consolidated a...
by 2015
Sun Dec 03, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4580

Re: A " Bond Tent" During the "Retirement Red Zone?"

As you approach retirement, assuming you have accumulated enough, you should protect that enough against the possibility of a potentially adverse event, or series of adverse events. This is generally known as the Sequence of Return Risk. Since we know bonds are less volatile than stocks it would no...
by 2015
Sat Dec 02, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2830

Re: Investment Portfolio Tracking & Spreadsheets

If any of you, guys, would share your advanced spreadsheets, we all would appreciate! If you look around the web, you can always find a free template spreadsheet that will roughly match your specific situation and what you're trying to accomplish. This is always been the case for me. The downloaded...
by 2015
Sat Dec 02, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2830

Re: Investment Portfolio Tracking & Spreadsheets

I track portfolio, spending, balance my checking account, keep a record of credit cards, keep a record of taxes, have a budget plan, and record and track a variety of miscellaneous things of interest in Excel. Most of the data is entered manually though it is is possible to download contents of ban...
by 2015
Sat Dec 02, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 67
Views: 3301

Re: Moto G5 Plus: Software updates?

Under the influence of Bogleheads recommendations and low prices, I have ordered a Motorola Moto G5 Plus. This will be essentially my first smartphone. I bought another phone several years ago, tried it, got stuck on some function, and put it back into the box, where it still resides. I hope to be ...
by 2015
Sat Dec 02, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 63
Views: 4634

Re: 2018 Goals - Financial or Otherwise

Treasure. Every. Second. Of. Life. +1000 What a wonderful, wonderful year 2017 has been. Relationships have deepened substantially, fulfillment and contentment as well, and all goals have been greatly exceeded. Two and a half years into retirement, I'm up to between 300-400 non-fiction business boo...
by 2015
Fri Dec 01, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: Rolling Returns: A Powerful Analytical Tool
Replies: 24
Views: 1699

Re: Rolling Returns: A Powerful Analytical Tool

My most powerful analytical tool is simplicity. As an example, a well-known (by now) Fidelity study: http://www.businessinsider.com/forgetful-investors-performed-best-2014-9 O'Shaughnessy discusses a number of interesting analyses he has done with regard to the length of holding periods (spoiler: th...
by 2015
Fri Dec 01, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3680

Re: Win Bigly - Scott Adams

djpeteski wrote:
Fri Dec 01, 2017 3:08 pm
Sandtrap wrote:
Fri Dec 01, 2017 11:17 am

My experience in persuasion is from car salesman, financial advisers, friendly brokers, and time share salesman. I hypnotize them with the sound of the door closing as I leave.
Awesome. :sharebeer
+100!
by 2015
Fri Dec 01, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement [ways to forecast]
Replies: 26
Views: 2215

Re: Taxes in Retirement [ways to forecast]

I can't imagine making the process more complicated than it already is by using a spreadsheet, but to each his own. To each his own, indeed! :happy Others can't stand the pain of revising input values one at a time, instead of seeing a spreadsheet graph covering a wide range of interest. ;) Either ...
by 2015
Fri Dec 01, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 52
Views: 8636

Re: Facebook's malware scan- legitimate or malware? Invasive?

Facebook today is what cigarettes used to be years back. I fully expect that the negative effects of Facebook will be revealed at the same scale and intensity as those of cigarettes have been revealed in the past few years . The value proposition of Facebook is to take the consumer's information, a...
by 2015
Thu Nov 30, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement [ways to forecast]
Replies: 26
Views: 2215

Re: Taxes in Retirement [ways to forecast]

I can't imagine making the process more complicated than it already is by using a spreadsheet, but to each his own. To each his own, indeed! :happy Others can't stand the pain of revising input values one at a time, instead of seeing a spreadsheet graph covering a wide range of interest. ;) Either ...
by 2015
Thu Nov 30, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7740

Re: CNBC says Vanguard says 70% Chance of "Correction"

Bacchus01 wrote:
Mon Nov 27, 2017 12:50 pm
So, the opportunity to TLH and buy lower with a 50 year time horizon to spend it? I'd be all for that!
This. Not that I pay to anyone's predictions, but I too am patiently waiting for the next correction to engage in TLH. My carryover losses are about to be used up with next years tax filing.
by 2015
Wed Nov 29, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9255

Re: What did you do right?

Patience. +1 External results always flow from internal competencies. Personally, I learned the art of delayed gratification, along with self-discipline, self-mastery, and self-control. Also important were engaging in lifelong learning from a very young age, while seeking out mentors and gravitatin...
by 2015
Wed Nov 29, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1154

Re: Fido broken?

I use these two sites when a website is down to see if it is just me:

http://downforeveryoneorjustme.com/

http://www.isitdownrightnow.com/fidelity.com.html
(type in the url of the site you want to check in the upper right hand corner; I just did so for Fidelity)
by 2015
Wed Nov 29, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement [ways to forecast]
Replies: 26
Views: 2215

Re: Taxes in Retirement [ways to forecast]

First, you have to be able to figure out your tax liability for 2016 and 2017 without the help of a tax prep person. That means you do your own tax returns and that you read the IRS instructions for each form and the associated IRS publication. That is, you don't just plug numbers into software wit...
by 2015
Tue Nov 28, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 4162

Re: Job interviewing - "do you have any other interviews or leads?"

The HR Director at the company called me this morning and told me that of the 3 they ultimately chose for in-person interviews, one withdrew her candidacy, one was not a good fit, and I am the other. The "feedback was very positive all around," but the hiring manager wants to interview a few more p...
by 2015
Tue Nov 28, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5115

Re: How Do You Stay Current With Popular Music?

Excellent question! My (perhaps excellent) answer is, I don't, and you don't have to, either. I'm a professional musician with a degree in music. I have a repertoire of thousands of popular and classical songs of many different genres--in my head! I have an incredibly large library of published and...
by 2015
Tue Nov 28, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3189

Re: The annoying insistence on frivolous credit checks/pulls

About a month after freezing all accounts I had to pay $20 under California law to unlock Transunion/Experion for ACA sign up (Equifax was free due to breach). I view the unlock extortion fees as just the price of insurance against identity theft. Doesn't mean I'm happy about the extortion racket. :...