Search found 575 matches

by 2015
Mon Aug 14, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguards online fraud policy - remember username -iPhone App?
Replies: 15
Views: 1691

Re: Vanguards online fraud policy - remember username -iPhone App?

I use Avast's "bank mode" for all financial transactions, where nothing is stored, and clear the browser upon exit. Bank mode functions like a computer within a computer. Once I've finished a session of financial transactions, I close out of bank mode and the session vanishes.
by 2015
Fri Aug 11, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2566

Re: "5 Steps to Take in Jittery Markets"

I don't like her bucket approach for retirees. I am NOT going to keep 1-2 years of expenses in cash. I keep a max of $10k in checking and any excess from monthly retirement income goes into the total stock market in my taxable account. We're not wimps here... Two thoughts on this... I honestly thin...
by 2015
Fri Aug 11, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5663

Re: Free Reading

Do brick-and-mortar libraries have a useful purpose anymore? Are they worth the public funds they cost? Just asking. Hello, library board trustee here. In my opinion, ABSOLUTELY YES. There is no other institution that is required by law to protect free access to information, no questions asked. Man...
by 2015
Fri Aug 11, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2566

Re: "5 Steps to Take in Jittery Markets"

I'd make a bad pimp. I could never get the whole wardrobe thing right.
by 2015
Fri Aug 11, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2566

Re: "5 Steps to Take in Jittery Markets"

I don't like her bucket approach for retirees. I am NOT going to keep 1-2 years of expenses in cash. I keep a max of $10k in checking and any excess from monthly retirement income goes into the total stock market in my taxable account. We're not wimps here... Two thoughts on this... I honestly thin...
by 2015
Fri Aug 11, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2566

Re: "5 Steps to Take in Jittery Markets"

I stopped reading after this: This year has been a remarkably placid one for investors thus far, but saber rattling between the United States and North Korea has some pundits discussing whether geopolitical worries could be the catalyst for the long-anticipated market sell-off . That's unfortunate,...
by 2015
Fri Aug 11, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4146

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

But how about the timing of RMDs in a given year? Are you better off taking your distribution at the beginning of the year, or at the end? Or should you take them throughout the year, the better to fund living expenses and cover quarterly estimated taxes? Sigh. This is massively unimportant. Aside ...
by 2015
Thu Aug 10, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2566

Re: "5 Steps to Take in Jittery Markets"

No, I don't have a crystal ball, but it's a safe bet that value-minded buyers will have better buying opportunities at some point in the future than they do today. Safe bet, really? Quite possible, yes, but always a speculative bet. +1 I stopped reading after this: This year has been a remarkably p...
by 2015
Wed Aug 09, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7691

Re: kids think lazy if retire?

I'm 46, with a teenager, and stopped working for a few years, not because of a disability, I just chose to. All I know is I'm more busy now than when I used to work. Honestly I don't know how you're finding time to sit around and watch movies. Please tell me your secret!! Lol. Between house chores,...
by 2015
Tue Aug 08, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Recovery of the U.S. Housing Market?
Replies: 15
Views: 1948

Re: Recovery of the U.S. Housing Market?

Another data point: https://www.curbed.com/maps/most-expensive-homes-for-sale-us-real-estate Real estate in 2016 was bananas, and 2017 looks to be more of the same. Early in the year, we saw a new most expensive listing in the country: a bonkers $250M spec house in Bel Air, Los Angeles with a "curat...
by 2015
Mon Aug 07, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 5987

Re: Time to leave our dentist??

In response to a few comments: "Depends on what car he drives" "Office upkeep of 5-10k" By all means choose the dentist that you feel the most comfortable with. A dentist with the latest and greatest technology and services does not fit every personality, nor should it. Realize though that the dent...
by 2015
Mon Aug 07, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Recovery of the U.S. Housing Market?
Replies: 15
Views: 1948

Re: Recovery of the U.S. Housing Market?

Highly skilled, well educated, wealthy people, those who are mobile and can choose where they will live without large cost constraints, tend to congregate along the coasts, particularly the west coast and in large sophisticated urban areas. Being smart, skilled, and creative they create the robust ...
by 2015
Sun Aug 06, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6565

Re: Losing confidence in Ally Bank - what would you do

Not sure I'm impressed with all 'move on' replies. You realize Ally does million s transactions a day. This one instance, and we don't really know all the details , represents .000000000000000000001 % of their yearly business. Im not seeing anyone else claiming they have had similar issues. Yea, it...
by 2015
Sun Aug 06, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 2774

Re: LastPass Premium price increasing

I've been a LastPass premium customer for a few years, but I've been considering switching to 1Password since the LogMeIn acquisition. From what I've read about LogMeIn, they don't have the best reputation (m). I think this change is a good excuse to cancel my premium and move to 1Password. Be sure...
by 2015
Fri Aug 04, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7069

Re: Study: Who Sold Stock During the 2008-9 Crash?

Retired, VG says my PF's 40/60 AA suffered at most a historical (1926-2015) drop of 18%, which I can handle. I have more than enough in bonds to take me through to a larger than average delayed SS amount @ 70. A recent graph posted in another thread demonstrated how bonds sailed right through the 08...
by 2015
Fri Aug 04, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 70
Views: 9678

Re: Senior Lifetime National Parks Pass Fee Going Up

10,000 retiring Boomers a day, many new Park visitors with Trustafarian Sprinters, RVs and trailers. NPS is not prepared for this. No, they're not. I ordered mine in early May and still haven't received it. When I called NPS in June, the representative said they were overwhelmed with SLNPP requests...
by 2015
Thu Aug 03, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2713

Re: Wells Fargo - what the kittens?

Because of their practices I opened a bank account with them, collected my bonus, and promptly closed the account When the nice manager asked why I was leaving I wish I had the courage to tell him his company was crooked! +1 Easiest and quickest $250 bonus I ever collected. When the distracted youn...
by 2015
Thu Aug 03, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6565

Re: Losing confidence in Ally Bank - what would you do

Not trying to downplay the significance of your issue but I'm extremely surprised. I've been using Ally for my main bank for over 5 years and have 3 checking accounts and 4 savings accounts with them. I transfer money around (internally and externally) all the time and have never experienced a &quo...
by 2015
Wed Aug 02, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1289

Re: Credit Card that lists running balance online

Hello, I would like to get a credit card with a running balance. My current card with Chase just lists transactions online (as well as on the statements). I find it easy to run up a larger balance that way. Of course I can calculate it myself but it helps if they would do it. I would love it if it ...
by 2015
Tue Aug 01, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 10995

Re: Your "at peace" moments.

Every single time I'm driving and Los Angeles and/or Southern California is in the rear view mirror.
by 2015
Thu Jul 20, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1785

Re: Office 2007 end of life

Can MS Office open LibreOffice documents? For example, if you send a word-type document or spreadsheet to someone who only has MS Office, will it convert? Sure. You can actually save them in MS format, but the Office programs can handle open document format files. Most programs can open a wide rang...
by 2015
Thu Jul 20, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Why the world's biggest investor backs the simplest investment
Replies: 25
Views: 3772

Re: Why the world's biggest investor backs the simplest investment

To the man with a hammer, everything seems like a nail. For those with their noses buried deep in finance, economics, and investing, it's very easy to get fooled by complexity. As I've posted before, once you study outside the fields of finance, economics, and investing, you find--almost to an unca...
by 2015
Thu Jul 20, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1785

Re: Office 2007 end of life

Can MS Office open LibreOffice documents? For example, if you send a word-type document or spreadsheet to someone who only has MS Office, will it convert?
by 2015
Wed Jul 19, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 70
Views: 9678

Re: Senior Lifetime National Parks Pass Fee Going Up

10,000 retiring Boomers a day, many new Park visitors with Trustafarian Sprinters, RVs and trailers. NPS is not prepared for this. No, they're not. I ordered mine in early May and still haven't received it. When I called NPS in June, the representative said they were overwhelmed with SLNPP requests...
by 2015
Wed Jul 19, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4303

Re: Expense Ratios, how high is too high

MrNewEngland wrote:I don't like paying over 0.05%, and the only time I'm willing to pay over 0.1% is in my 401k because I have to.


+1
Except that I'm willing to pay 0.11 for my 20% PF AA of VTIAX. Still, my overall PF ER is 0.06.
by 2015
Wed Jul 19, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA vs. ACA plan - what to consider?
Replies: 48
Views: 2855

Re: COBRA vs. ACA plan - what to consider?

With COBRA, you are depending on a former employer for your health insurance. As a "former employee", there is no motivation for the employer to do things for your benefit. Depending on the details, they may even take a hostile view. This is a big concern for me. I think this is a big pot...
by 2015
Tue Jul 18, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA vs. ACA plan - what to consider?
Replies: 48
Views: 2855

Re: COBRA vs. ACA plan - what to consider?

COBRA runs for up to 3 years in some states, such as New York. +1 In California, you're eligible for 18 additional months (called Cal-Cobra). The only difference is the plan is administered directly by the insurance company rather than your employer's TPA. I'm on Cal-Cobra now but will switch to th...
by 2015
Tue Jul 18, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA vs. ACA plan - what to consider?
Replies: 48
Views: 2855

Re: COBRA vs. ACA plan - what to consider?

COBRA runs for up to 3 years in some states, such as New York. +1 In California, you're eligible for 18 additional months (called Cal-Cobra). The only difference is the plan is administered directly by the insurance company rather than your employer's TPA. I'm on Cal-Cobra now but will switch to th...
by 2015
Tue Jul 18, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Why the world's biggest investor backs the simplest investment
Replies: 25
Views: 3772

Re: Why the world's biggest investor backs the simplest investment

To the man with a hammer, everything seems like a nail. For those with their noses buried deep in finance, economics, and investing, it's very easy to get fooled by complexity. As I've posted before, once you study outside the fields of finance, economics, and investing, you find--almost to an uncan...
by 2015
Mon Jul 17, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 41
Views: 2845

Re: california homeowners - do you have earthquake insurance?

I have it and am glad I do. Here's some links regarding probabilities of earthquakes in California:

http://www.earthquakesafety.com/earthquake-faults.html

http://scedc.caltech.edu/earthquake/southern.html

http://scedc.caltech.edu/earthquake/southern.html

Incidentally, just four days ago not-so-good news was released (again!) regarding earthquake possibilities for LA's westside:

https://www.google.com/search?q=the+hol ... &tbs=qdr:m
by 2015
Sun Jul 16, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap source for basic will
Replies: 34
Views: 2268

Re: Cheap source for basic will

... When I did my will I used legal zoom which had a bundle with the other documents for a couple of hundred dollars but my son was grown then. ... My impression was that this was little different than if we had gone to a local budget lawyer. If you work in the corporate world, companies frequently...
by 2015
Tue Jul 11, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Why Simple beats complex
Replies: 71
Views: 6839

Re: Why Simple beats complex

If it's "facts" you want, study physics, study engineering, study complex systems, study certain historical philosophers, study game theory, study decision-making, study biology, psychological and cognitive function as it relates to perception, study risk theory, study Iatrogenics, study ...
by 2015
Tue Jul 11, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Beware of retroactive payments when claiming SS
Replies: 13
Views: 1571

Re: Beware of retroactive payments when claiming SS

These are good questions and I'd lke to add a few: 1) For those who delayed until 70, how long before 70 did you know what your actual benefit would be at 70? 2) For those delayed until 70 and used the SSA's AnyPIA calculator, which SSA benefit estimate was closest to your actual benefit: AnyPIA, SS...
by 2015
Tue Jul 11, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Why Simple beats complex
Replies: 71
Views: 6839

Re: Why Simple beats complex

If it's "facts" you want, study physics, study engineering, study complex systems, study certain historical philosophers, study game theory, study decision-making, study biology, psychological and cognitive function as it relates to perception, study risk theory, study Iatrogenics, study a...
by 2015
Mon Jul 10, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Why Simple beats complex
Replies: 71
Views: 6839

Re: Why Simple beats complex

Been subscribed to his blog for about a year. Always look forward to his posts. Also like some of his book recommendations.
by 2015
Mon Jul 10, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5628

Re: Favorite Feature of Vanguard Website?

I like how it gives some people with nothing better to do an excuse to gripe. Otherwise, they'd have to find something else to gripe about. How you do one thing is how you do everything.
by 2015
Sun Jul 09, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10222

Re: Last 80 minutes of my career

Congratulations.

As the song goes: You've only just begun....to live...
by 2015
Sun Jul 09, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 6972

Re: Retirement is Risky Business

Risk 19: Death (fortunately, this solves one through eighteen) How about the risks of not retiring? Early death is indeed a risk. Personally, the risk of not retiring outweighed retiring over two years ago. OTOH, IMO, a vital part of retirement planning, early or otherwise, is risk mitigation (to t...
by 2015
Wed Jun 28, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3870

Re: Stupid Security Questions

tech_arch wrote:Another vote for providing garbage answers and storing them in my password manager.


+1
My answers make sense to no one but me.
by 2015
Wed Jun 28, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: "Quincy Jones Streaming Music, Media & Entertainment ETF"
Replies: 13
Views: 1162

Re: "Quincy Jones Streaming Music, Media & Entertainment ETF"

Leave Quincy alone. He's got a mortgage to pay (and retirement to plan for).

Thank you for your generous support.
by 2015
Mon Jun 26, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 36
Views: 6700

Re: Got a Question You'd Like to Ask Jack Bogle?

Mel Lindauer wrote:
VictoriaF wrote:Jack,

What are you favorite topics in the Bogleheads Forum?

Victoria


I'm also looking forward to hearing Jack's answer to that one, Victoria.


Conversely, do any topics in the BH Forum concern you (i.e., do you think any topics do more harm than good for the average investor)?
by 2015
Sun Jun 25, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 5657

Re: 58 years old and laid off seeking advices

Also make sure you understand your COBRA options for health insurance. Usually COBRA will give you better coverage at a better price than individual insurance. This is of particular concern for your wife, who has 12 years until she is eligible for Medicare. And you'll find that your health insuranc...
by 2015
Fri Jun 23, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 25641

Re: Early Retirement - what to do about healthcare?

Well I'm 63 this year and I'm worried. According to the plan proposed yesterday, some changes will go into effect sooner than 2020. The older you are, the harder you will be hit. Relax. Nothing has even changed at this point. Look how many years it took to implement ObamaCare. I am also 63 and not ...
by 2015
Fri Jun 23, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4827

Re: What do you say when you cancel an account that you only opened for bonus?

I'm sorry I've been putting this off, but we need to talk. I've met another bank. I'll never forget the statements we shared together. Those were some of the best numbers of my life. I'm certainly richer for having known you. You're a fantastic bank and you will be just fine. And don't worry, a gre...
by 2015
Fri Jun 23, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 25641

Re: Early Retirement - what to do about healthcare?

Fellow Bogleheads Great thoughts. One other option to the exchanges: I was on the phone with an insurance broker today. Apparently there are ways (I live in Connecticut) to enroll in a union-related plan for medical. The example he cited was something associated with the International Brotherhood o...
by 2015
Thu Jun 22, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 15
Views: 1851

Re: Virgin Mobile unlimited talk, text, data for $1?

I saw an announcement that Virgin Mobile is offering a year of service for $1 if you buy an iphone from them and transfer your number before September sometime. The iphone SE starts at $279 for the 32GB version through Virgin Mobile (Apple sells the same one for $399). This deal appears too good to...
by 2015
Thu Jun 22, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2033

Re: Oregon personal Trip

Interesting how some of the recommendations contain clues that the writer is not from Oregon (aside from the fact that they "flew into PDX"). Examples: [JupiterJones ] Another alternative, which I did as a solo trip years ago, is to skip the northern coast and instead drive directly to Li...
by 2015
Wed Jun 21, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2033

Re: Oregon personal Trip

My wife and I considering a 7-day trip to Oregon later this summer. Our initial thoughts are to fly into Portland, stay a day or two to see the city, and then to stop at a few wineries on the way to the coast. We would also like to do a little hiking while we are there. Our itinerary might be a lit...
by 2015
Tue Jun 20, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 4015

Re: Do Bonds have a place is basic expenses covered by income streams?

I know quite a few retirees with pensions and social security that more than cover their expenses who hold bond funds and/or CDs so there must be. Not saying there isn't, just would like to understand the different perspectives and rationales on why or why not so I can see what best fits the way I ...
by 2015
Mon Jun 19, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 21
Views: 2372

Re: Avoid taking Dividends?

On the dangers of tinkering: Munger on Making Decisions within Our “Strikezone” : We all have a strike zone, this is our circle of competence. This is an area in which we are capable of understanding with a high degree of probability the relevant variables and likely outcome. Making decisions within...