Search found 1630 matches

by 2015
Sun Jul 22, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 10
Views: 695

Re: Mind Mapping Software? Mindnode?

You might want to try the free software to see if the technique is a fit before going to a paid version:

https://www.digitaltrends.com/computing ... -software/

Wisemapping and Bubble.US are free.
by 2015
Sun Jul 22, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 16
Views: 1288

Re: Am I secure using my computer for financial services?

Another question that I have is the choice of browser when accessing financial sites. I have heard that the Chrome browser is more secure than Internet Explorer. Is this true or it just another urban legend? DMW Internet Explorer is no longer actively maintained by Microsoft beyond some basic secur...
by 2015
Sun Jul 22, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 47
Views: 3022

Re: Duration of Sequence of Return risk for long retirements

keep in mind that the 2008-9 Great Recession was horrible but the recovery was dramatic and relatively quick. If that were not the case I think we would hear more sad tales. Also, some of us had pensions which are fast becoming a thing of the past. When you have to rely very much more on your portf...
by 2015
Sun Jul 22, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up dedicated computer for investment/finance
Replies: 10
Views: 1164

Re: Setting up dedicated computer for investment/finance

Easiest and least intrusive method I've found for using a "dedicated computer" is Avast's Bank Mode. It acts like a computer within a computer and once the session is over, you simply wipe the browsing history, close out the Bank Mode and it's as if the session never happened. I've posted previously...
by 2015
Sun Jul 22, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 1928

Re: California Homeowners - Do you have earthquake insurance?

What??? The 1993 SoCal Northridge Earthquake collapsed the 10 freeway. Entire apartment buildings collapsed in the Valley as well as in Hollywood. I can still visualize the crack running up the wall of my overpriced high-rise condo at the time. Friends had it worse. Then there's the 1989 BA Loma Pr...
by 2015
Sun Jul 22, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: "4 Reasons Why We Overcomplicate Investing"
Replies: 20
Views: 2659

Re: "4 Reasons Why We Overcomplicate Investing"

I would add the following: 1) Ego. Period. (See also overconfidence, and all the other behavioral biases). 2) Bias towards action. 3) Narrative Fallacy coupled with an obsession of seeing patterns where none exist. 4) Failure to study the nature of complex adaptive systems in which all investing, pe...
by 2015
Fri Jul 20, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

Re: State Farm - safe driving discount ??

... We’ve been pretty pleased with the discount and don’t have the “Big Brother” concerns of others . . . I suspect, for some who raise that concern, it’s fashionable to talk about privacy when the reality is they know their driving style is problematic and would be made apparent to the insurance c...
by 2015
Fri Jul 20, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

Re: State Farm - safe driving discount ??

... We’ve been pretty pleased with the discount and don’t have the “Big Brother” concerns of others . . . I suspect, for some who raise that concern, it’s fashionable to talk about privacy when the reality is they know their driving style is problematic and would be made apparent to the insurance c...
by 2015
Fri Jul 20, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

Re: State Farm - safe driving discount ??

If you really are a good driver, it can save you money. It monitors all sorts of stuff though, e.g., if you speed, how hard you brake. Personally, the Big Brother aspect of it gives me the willies, and I wouldn't do it for that reason alone. Totally agree. Way too creepy for me and not worth the sa...
by 2015
Fri Jul 20, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 127
Views: 12787

Re: Salary vs. Lifestyle

Some good posts here. It really depends, I think on your personality. Some people thrive on responsibility and resulting stress. Others hate it. Some people are more ambitious than others. Some people really want to make a lot of money, while others may not be particularly motivated by wealth. Many...
by 2015
Thu Jul 19, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 1928

Re: California Homeowners - Do you have earthquake insurance?

No. I just went through my almost annual exercise of determining whether it's worth it to me. It never is. 1) It's an extremely unlikely event for where I live in Los Angeles. We've had big earthquakes, but there is never any extensive damage for my area . Nevertheless, that's why one gets insuranc...
by 2015
Thu Jul 19, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: InvestorPlace: Best Vanguard Funds for the Second Half of 2018
Replies: 5
Views: 1251

Re: InvestorPlace: Best Vanguard Funds for the Second Half of 2018

A good lens through which to view the endless external obsession with entrancing our eyeballs (and thus our attention, thus our life) is to use the power of inversion. When reading short-term pronouncements (e.g., blog posts, financial press in its endless variety, the latest academic shiny metal ob...
by 2015
Thu Jul 19, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 36
Views: 2925

Re: How Unclaimed Property Laws Can Affect Retirees

What I'm concerned about is that the Commonwealth of Pennsylvania defines "active" and "inactive". When it comes to government, I would never assume that logic or fairness is going to be considered. I'm happy to say that Vanguard sent me an automatic email telling me they got my message and will ge...
by 2015
Wed Jul 18, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

... OTOH, I'm adamant about doing no work in the cloud and storing nothing there unless it is behind VeraCrypt encrypted containers (that's how I use Drive for storage). I don’t know how much Tracking is going on. But I don’t want to make it easier than necessary. I need to look up Veracrypt. [/ I ...
by 2015
Wed Jul 18, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 2662

Re: The joys of investing

I enjoy not having to think about it so I can turn my attention to things I personally find substantially more important in life.
by 2015
Wed Jul 18, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

Can you use Google Sheets? I think Iwould have to have a google account. I have grown to really love my google account. Between google on the android phone, use of gmail and google drive, google just seems to make everything so easy , in direct contrast to my long-suffering experience with all thin...
by 2015
Wed Jul 18, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6447

Re: How do you handle the urge to DO something?

Read non-fiction business books widely outside the fields of investing, personal finance, and economics. Read deeply in the areas of behavioral finance and human decision-making. You will learn the emotional side of investing is far more important than the technical aspect. You will also learn not o...
by 2015
Tue Jul 17, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1008

Re: Excel Spread sheets -mac or. Windows?

Can you use Google Sheets? I think Iwould have to have a google account. I have grown to really love my google account. Between google on the android phone, use of gmail and google drive, google just seems to make everything so easy , in direct contrast to my long-suffering experience with all thin...
by 2015
Tue Jul 17, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13321

Re: Early retirement

Some aspects of the environment we have evolved in are easier to aim for than others. For example, I am trying paleo diet and intermittent fasting, with mixed success. But I would not want to limit my social circle to a few dozen people or stop reading. Again I have a difficult time responding, as ...
by 2015
Tue Jul 17, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 47
Views: 3022

Re: Duration of Sequence of Return risk for long retirements

So, my advice is to consider all of the above when thinking about the years just before and after retirement. Very much agreed on the advice. Same scenario for me, except layoff occurred not once, but twice in a two year time period, both times when jobs were lean post-2008, and without any pension...
by 2015
Tue Jul 17, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 1928

Re: California Homeowners - Do you have earthquake insurance?

No. I just went through my almost annual exercise of determining whether it's worth it to me. It never is. 1) It's an extremely unlikely event for where I live in Los Angeles. We've had big earthquakes, but there is never any extensive damage for my area . Nevertheless, that's why one gets insuranc...
by 2015
Tue Jul 17, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 1928

Re: California Homeowners - Do you have earthquake insurance?

When preparing for retirement, I undertook an exercise to identify and mitigate (as much as possible) both deep and shallow risk. My thinking was that in retirement the opportunity to recover from all types of risk is almost entirely lost. I used Dirk Cotton's excellent blog posts identifying risks ...
by 2015
Tue Jul 17, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 47
Views: 3022

Re: Duration of Sequence of Return risk for long retirements

Sequence of return risk for retirees has several elements. The downward loss, the time to recover, loss of human capital's ability to buy (e.g. contributions/company matches), less income (usually), withdrawals from a shrinking portfolio, and years to Medicare and Social Security. I was forced to r...
by 2015
Mon Jul 16, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13321

Re: Early retirement

I can just hear it, "She's so obstinate!" :D But isn't it fun being wrong sometimes and still not caring what people think? In the three specific life-changing decisions that I am referring here to, I did the opposite of what the people close to me insisted upon. These turned out to be the best dec...
by 2015
Sun Jul 15, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4435

Re: FireCalc: How big a grain of salt?

Reading through this thread, I am beginning to wonder how anyone retires without a constant fear of running out of money. Then that makes me wonder if anyone voluntarily retires or is everyone just forced out to live out their days in fear of financial calamity. Using LMP with an RP helps. LMP allo...
by 2015
Sun Jul 15, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13321

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think. It matters to me in a contrarian way. I enjoy doing the opposite of what everyone else tells me to do, or not to do...
by 2015
Sun Jul 15, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4435

Re: FireCalc: How big a grain of salt?

When you pick a term both PV and FC assume the WORST term in the database history. So unless the FUTURE term you pick is worse than the worst PAST term in history, all three: the 4% rule, PV, and FC give a PESSIMISTIC answer. Expected returns are low, particularly for domestic stocks. So I think fi...
by 2015
Sat Jul 14, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13321

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think.
by 2015
Mon Jul 09, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 1947

Re: Dealing with recruiters

Maybe a little insight Asking for your Resume. -- Many times the recruiter is held accountable by their supervisors to activity metrics and one of them may be Resume- or "screens" which essentially is the phone call to screen you for this job. Keep in mind that the job they call/email you about mig...
by 2015
Mon Jul 09, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Book Recommendations for a new Boglehead
Replies: 8
Views: 566

Re: Book Recommendations for a new Boglehead

I recommend reading Taylor's Gems on this site and go from there. You might call each "Gem" a brief preview of each book covered. You could then decide the read which books you found most applicable to what more you're looking to learn.
by 2015
Mon Jul 09, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4404

Re: Why 3-funds and not 4-funds or even 2-funds?

By the way, Total World Stock ETF is less than 3bp (0.03%) more expensive than a weighted blend of Total Stock Market and Total International Stock Market -- and you get automatic balancing for free. I would not make asset allocation decisions on the basis of a 0.03% ER difference. If I understand ...
by 2015
Mon Jul 09, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Options after COBRA ends? Cal-COBRA or Guaranteed Issue or ?
Replies: 6
Views: 688

Re: Options after COBRA ends? Cal-COBRA or Guaranteed Issue or ?

Of course Cal-COBRA applies to this large employer, as it applies (though in different ways) to small (2 to 19 employees) and large (over 20 employees) California employers alike. I used Cal-COBRA myself after leaving my large SoCal employer. See this and contact your HR department: https://www.dmhc...
by 2015
Sun Jul 08, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Spending Patterns in Retirement: Retirees are Slow to Exhaust their Assets
Replies: 16
Views: 3552

Re: Spending Patterns in Retirement: Retirees are Slow to Exhaust their Assets

I am now of a certain age where spending seems to involve some kind of work. We are finished with the travel thing after visiting 86 countries. House, car, furniture, clothes shopping is no fun. Fine dining requires a drive - and probably a collared shirt. Spending less requires no work at all. .. ...
by 2015
Sun Jul 08, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10413

Re: What I spent in 6 months on medicare

But it all begins with "what does your favorite doctor take ?" Oh, yes - 6 months is a short time - but it is enlightening to me since my usage of my plan went up quite a bit - and I still see "reasonable" costs. This discussion has been very enlightening. We did have to switch all of our doctors -...
by 2015
Sat Jul 07, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10413

Re: What I spent in 6 months on medicare

?" I am very, very happy with my PCP for the last seven years. We get along very well - and she is cooperative with my "diligence" in following every test, every situation - in great detail. In fact, at the end of discussions at office visots, she typically asks, "What do you think about that?" In ...
by 2015
Sat Jul 07, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8924

Re: What rate of return are you using for retirement projections?

None. No interest. Assuming significantly below average returns using Fidelity's retirement planner more for entertainment than anything else. LMP insulates me from having to care.
by 2015
Sat Jul 07, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10413

Re: What I spent in 6 months on medicare

But it all begins with "what does your favorite doctor take ?" Oh, yes - 6 months is a short time - but it is enlightening to me since my usage of my plan went up quite a bit - and I still see "reasonable" costs. This discussion has been very enlightening. We did have to switch all of our doctors -...
by 2015
Fri Jul 06, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it later?
Replies: 22
Views: 1437

Re: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it la

You could backup and wipe the computer, but I think that's overkill. If I were you, I would: 1. Backup your computer using Time Machine to an external hard drive. You should be doing this fairly frequently so you don't lose critical files in case of a hard drive failure. 2. Enable FileVault encrypt...
by 2015
Fri Jul 06, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: 10 years to lose wealth applicable to bogleheads ?
Replies: 32
Views: 3720

Re: 10 years to lose wealth applicable to bogleheads ?

You use the terms income with wealth interchangeably, so it’s hard to comment. But in general, those in the different quartile a of income do fluctuate over the decades. JT Thanks for catching this and shame on Ben Carlson for not better defining his terms. I read years ago wealth is defined as inc...
by 2015
Fri Jul 06, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10413

Re: What I spent in 6 months on medicare

Keep 2 things in mind: [1] healthcare needs are individual, so comparisons are somewhat meaningless [2] dm200 is a fanboy of Kaiser, with many posts proclaiming that his Kaiser Medigap should be a prime consideration. This thread maybe moving in that direction. I wholeheartedly agree with [1], as a...
by 2015
Thu Jul 05, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6215

Re: Older Women Lifting Weights

I'm reminded of a woman I saw in a gym in West Los Angeles a couple decades ago. While her physique was outstanding, it was her focus and concentration that were most impressive. It was obvious she had been at it for quite some time. She was simultaneously excellence and elegance in action.
by 2015
Wed Jul 04, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: What a high-fee financial advisor really offers as a value proposition
Replies: 17
Views: 1722

Re: What a high-fee financial advisor really offers as a value proposition

I am not pro-adviser in the least, but I think I read somewhere (Kitces, maybe??) that the most important role of an adviser is to provide clear thinking and support during the worst of times, to prevent investors from being their own worst enemy. Depending on the individual investor and the fee cha...
by 2015
Wed Jul 04, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1084

Re: legal document with hyphen/non hyphen middle name

I’ve heard that this can be a problem that can be time consuming to fix in two different circumstances: 1) When applying for social security / Medicare if your names don’t match up 2) For flying, especially internationally, if the name on your photo ID (e.g. drivers license) doesn’t exactly match t...
by 2015
Wed Jul 04, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When is ok to change your IPS?
Replies: 21
Views: 1235

Re: When is ok to change your IPS?

I've beginning to believe you reach a saturation point when it comes to all the junk related to investing. When you've read enough books by the "experts", spent enough years reading the sales/marketing disguised as investing "information" (aka noise) from mortgage paying bloggers, mainstream investm...
by 2015
Wed Jul 04, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1084

Re: legal document with hyphen/non hyphen middle name

I haven't used my birth name on any document since Lincoln was president, as I don't know what my parents were smoking when they came up with it (and they've never "smoked" AFAICT). I've never had a problem. Then again, the name I use simply excludes two letters of my so-called legal name, which in ...
by 2015
Wed Jul 04, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Anxiety Spending Money
Replies: 52
Views: 5240

Re: Anxiety Spending Money

I'm 23. I have a degree in Finance and making a yearly salary of 45k. Actively looking to increase this. (first year working within my degree) I have about 25k saved up. from previous jobs and side hustles - 15k cash - 5k stocks I have 30k of student loan debt - I start making payments next month. ...
by 2015
Wed Jul 04, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 2812

Re: What happens if your Vanguard account has been hacked.

I think it would be impossible unless some inside job. They require so many forms and authorizations. "Inside jobs" can certainly still be fraudulent. It has been reported that a significant number of account "hacks," are not by strangers but by family members or others with ready access to a perso...
by 2015
Wed Jul 04, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5979

Re: Any Boglehead powerlifters?

Never. Because with all things in life based on a system (the body is based on a biological system), more can go wrong than right. As Charlie Munger would say, "invert, always invert." In this regard, all I want to know is the date of my major injury so I don't show up that day. Huh? :?: :?: It's n...
by 2015
Tue Jul 03, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5979

Re: Any Boglehead powerlifters?

Never. Because with all things in life based on a system (the body is based on a biological system), more can go wrong than right. As Charlie Munger would say, "invert, always invert." In this regard, all I want to know is the date of my major injury so I don't show up that day. Huh? :?: :?: It's n...
by 2015
Tue Jul 03, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes for those drawing income
Replies: 9
Views: 888

Re: Taxes for those drawing income

Much much better than I intended. Combination of taxable, roth conversions, and using up tax losses is allowing me to mitigate delayed SS/RMD's at age 70. At the same time, I migrated my entire PF to 3 simple fund PF from a nonsense PF created previously from listening to too much sales/marketing bl...