Search found 224 matches

by CrossOverGuy
Thu Apr 20, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mid-Cap Value Index Fund Admiral
Replies: 12
Views: 1110

Re: Vanguard Mid-Cap Value Index Fund Admiral

I switched some assets to this fund recently from an active fund which targeted a similar part of the market, Fidelity Low-Priced Fund. This had a terrific record over the long-term (and I held it 10+ years); it had the same manager, Joel Tillinghast, all that time. But I noticed that the last numbe...
by CrossOverGuy
Tue Apr 11, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3109

Re: Windows-10 "upgrade" coming April 11. What to disable?

I had a lot of problems when I went from Windows 7 to Windows 10, including having to contact my computer maker, also Microsoft, and my anti-virus maker, etc. Fortunately, I had backed up my documents to an external hard drive, but I had to put my computer back to out-of-the box condition using rest...
by CrossOverGuy
Fri Mar 24, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Taxes] Can we deduct music lessons cost for child in New York State?
Replies: 13
Views: 1829

Re: [Taxes] Can we deduct music lessons cost for child in New York State?

If your child made money performing as a pianist, then you could deduct lessons. But not until, so lessons preparing the child for a new career wouldn't qualify until they actually had income in the music field. Otherwise, it's considered a hobby. Perhaps if lessons were taken for college credit, in...
by CrossOverGuy
Sat Feb 11, 2017 3:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 21587

Re: Your USER NAME...what does it mean?

No, I don't own or drive crossover vehicles; I haven't even driven very much since getting my license many years ago. Living in a big city, it's almost as expensive as renting another apartment as it is to rent a parking space. Actually, a crossover artist is one who sings opera and can also do musi...
by CrossOverGuy
Tue Jan 24, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Beside margin, any other investment where you can lose more than you invested?
Replies: 17
Views: 1262

Re: Beside margin, any other investment where you can lose more than you invested?

I suppose also real estate when you rent to people who don't pay their rent or try to become squatters, or if you can't find renters to help you cover your mortgage would also qualify.

Thanks to those who have responded thus far.
by CrossOverGuy
Tue Jan 24, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Beside margin, any other investment where you can lose more than you invested?
Replies: 17
Views: 1262

Beside margin, any other investment where you can lose more than you invested?

Besides what you invested, perhaps losing more like what has accrued in your account if you had done well and then the market tanked. For instance, I know that if you have a margin account and you've bought stock on margin, that if the stock market tanks you could get a margin call and basically be ...
by CrossOverGuy
Sun Jan 08, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 5782

Re: Best printers for home use

From recommendations here, I checked out and bought a Brother inkjet - Model MFC-870DW a couple of years ago. I think it's an excellent all-in-one, and it doesn't go through ink so fast and expensively as my previous HP did. Among the things I like about it: it has 4 separate ink compartments for bl...
by CrossOverGuy
Wed Jun 01, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 11159

Re: Would you pay 6x face value to see Hamilton on Broadway?

Lin-Manuel Miranda has had an alternate who plays 1 or 2 performances a week as well as being his understudy (including the performance President Obama attended). The word around Broadway circles is that he's a much better performer and singer than Miranda; his name is Javier Munoz, and he'll be tak...
by CrossOverGuy
Fri Apr 08, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 3298

Re: Those four sweetest words ...

You're broke, Donald Trump.
by CrossOverGuy
Thu Feb 11, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: TCM now available for $5 more on Sling TV
Replies: 2
Views: 940

TCM now available for $5 more on Sling TV

For potential cord-cutters: I just learned recently that Sling TV has a tier I think called "Hollywood Extra" which includes Turner Classic Movies. Since I'm not a big sports person, but am into films, especially classic ones, I thought I'd point this out to people thinking of cutting the ...
by CrossOverGuy
Sun Jan 24, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 2381

Re: New Amazon Prime Member w/streaming - need recs

"Six Feet Under" - I just rewatched this series after having seen its initial run over 10 years ago. One of the best drama series (with some comedy) I've ever seen, with every episode consistently very high quality and one of the finest series finales ever. A family who run a funeral home ...
by CrossOverGuy
Wed Nov 25, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 135257

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Do you think maybe Vanguard has some disgruntled former accountants? I'm not sure if accountants have any kind of confidentiality agreement like attorney-client privilege, but any such accountant could have signed some sort of legally binding non-disclosure agreement with Vanguard at some time duri...
by CrossOverGuy
Mon Sep 28, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 1171

Re: Products most likely to increase with inflation

"swamp-cooler"

That apparently increases humidity and attracts mosquitoes, among other things. No thanks. :?
by CrossOverGuy
Mon Sep 28, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 1171

Re: Products most likely to increase with inflation

I rather wish someone could invent an air conditioner that didn't use so much electricity to run it. I cut back using them significantly over the summer, but even with models that allow you to control the temperatures, you would think that by now someone had modified them so they don't use so much e...
by CrossOverGuy
Thu Sep 17, 2015 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 38
Views: 4695

Re: Anybody else get phone calls from Fidelity?

One guy left a VM then tried again, and I picked up. He offered me something along the line as a free evaluation of my portfolio. I just told him that "I'm happy with what I have. Thanks very much". That meant the phone call was over.
by CrossOverGuy
Sat Sep 05, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: Classical Music
Replies: 31
Views: 2319

Re: Classical Music

Try going to a live concert by a symphony orchestra, preferably doing something well-known like a Beethoven or Mozart symphony. It will make all the difference, as most others with different equipment are, after all is said and done, trying to recapture the excitement and artistry of seeing a live p...
by CrossOverGuy
Fri Aug 28, 2015 12:44 am
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 2831

Jonathan Clements left WSJ again back in June

[Thread merged into here, see below. --admin LadyGeek] Apparently he stopped writing columns during his second time there again this past June. But his eponymous website still has links to other articles he has written and his books and other things he is working on. I've been reading his 2015 Mone...
by CrossOverGuy
Wed Aug 26, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 3195

Re: More Proof: The 'Do Nothing' Strategy Works

Isn't today one of those few days that they make tables and studies about over the years saying that if you missed being in the market on certain "up" days your total return would be much less? I'm not quite sure how that works if you are already in the market doing nothing (like I did) th...
by CrossOverGuy
Sun Aug 02, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds Are Right For Me?
Replies: 12
Views: 1171

Re: Which Vanguard Funds Are Right For Me?

I think you might want to own some bonds, since in case there is a stock market correction, you'll find that generally as stock funds go down, your bonds will either go up a bit or not go down as much, thus acting as a bit of an anchor in troubled waters. No, you won't earn as much in them in a risi...
by CrossOverGuy
Sat Aug 01, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's "consider" tabs in "Portfolio Watch" re: international
Replies: 3
Views: 468

Re: Vanguard's "consider" tabs in "Portfolio Watch" re: international

Thanks for your reply. I guess they are trying to be helpful, but it is a bit weird to see such a high amount they are suggesting for foreign bonds especially. Perhaps if they said "we recommend a minimum of 20% in foreign bonds" rather than "20% to 50%", I wouldn't have objected...
by CrossOverGuy
Sat Aug 01, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's "consider" tabs in "Portfolio Watch" re: international
Replies: 3
Views: 468

Vanguard's "consider" tabs in "Portfolio Watch" re: international

I think this is a cool feature on Vanguard's site, with the ability to some extent see the composition of one's holdings, as well as the average cost of funds held, if one's account is in tax-advantaged funds, using a core of index funds vs. active, etc. It usually gives you an "ok" or a &...
by CrossOverGuy
Thu Jul 23, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 9201

Re: Greatest money lesson movie

Erich von Stroheim's silent classic "Greed" especially in the restored 4 hour version sometimes shown on TCM hasn't been mentioned. The whole film deals with the corrupting force of gold and money with an unqualified, charlatan dentist and his relationship with his wife who turns into a mi...
by CrossOverGuy
Thu Jul 23, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: When and how is the expense ratio of mutual funds deducted?
Replies: 6
Views: 1159

When and how is the expense ratio of mutual funds deducted?

Is it deducted daily after all trades are settled? Annually? When an investor sells their shares or reinvests and buys new ones? When we see the 1, 5, 10 year records of a fund, is this after the expense ratio has been deducted? I've never quite figured out how this important expense is actually ded...
by CrossOverGuy
Tue Jul 21, 2015 12:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 80
Views: 10753

Re: Jack Bogle in this Month's Money Magazine

I'll reference a post I wrote several years ago to reply to why I think it's a good idea to have some international diversification. I think it still applies. "Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of di...
by CrossOverGuy
Thu Apr 30, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 2783

Re: Advice on trip to Vienna

I haven't been for many years, but some of the best sightseeing in Vienna never changes. The Statsopera, the main opera and other opera houses like the Volksoper (for operetta and lighter works) are wonderful places to take in a performance. There are homes of composers who lived here: so many, in f...
by CrossOverGuy
Thu Apr 30, 2015 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 14933

Re: Spendy spouse

Did you ever see the old film "Dodsworth"? It's a classic about a wealthy industrialist about to retire with a very high maintenance wife who take a trip to Europe. Based upon her conduct there, he starts to open his eyes to her behavior and his and her values. Perhaps you might want to wa...
by CrossOverGuy
Mon Jan 12, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Israel bonds [how to evaluate political risk?]
Replies: 17
Views: 2193

Re: Israel bonds [how to evaluate political risk?]

One point to keep in mind regarding Israeli bonds: how difficult it might be to redeem them. I was executor on a will and had to hire attorneys in Israel as well as my attorney in the U.S. because of all the paperwork needed to cash in these bonds. It got very expensive and took a long time. Maybe t...
by CrossOverGuy
Thu Dec 18, 2014 11:56 pm
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 1258

Re: Vinyl (as in old records)

To some extent, vinyl is coming back -- some current artists are actually releasing albums in that format again. The sound of records is warm and luscious, and there's room for wonderful cover art. Turntables are still for sale, including some which allow you to transfer them to your computer as MP3...
by CrossOverGuy
Sat Nov 08, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 8740

Re: What if I Never Buy a House?

We're all really renting for the most part anyway in the larger scheme of things! Though, of course, you might want to pass ownership of a house on to another generation or a spouse. In a house ownership situation your payments are building up equity, whereas rent payments just go to your landlord a...
by CrossOverGuy
Fri Oct 17, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 519

Re: Turning off automatic suggestions for websites in browse

Thanks very much. It worked! Plus I can turn it on and off if I so desire. :D
by CrossOverGuy
Fri Oct 17, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 519

Turning off automatic suggestions for websites in browser?

I would appreciate if someone could tell me how to turn off automatic suggestions for past websites in Firefox. While sometimes it is helpful to be reminded of past places one has visited, I'm finding it is really very distracting when I'm starting to type in a "c" and have listings for Cn...
by CrossOverGuy
Sun Aug 31, 2014 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Value in Diversifying Across Investment Companies?
Replies: 9
Views: 1044

Re: Value in Diversifying Across Investment Companies?

I think that in a worst case scenario, hearing that say, Vanguard has been hacked and/or you can't log into your account on their website for some reason, you will feel somewhat better if you can still access your Fidelity accounts. Or vice versa. Actually a worst case scenario would be if both were...
by CrossOverGuy
Thu Jul 31, 2014 2:46 pm
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 150
Views: 19008

Re: International investing. A good call by our mentor.

Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of different countries move up and down somewhat independent of each other. A U.S. investor in 1929 who was wise enough to place 50% in foreign stocks would have needed o...
by CrossOverGuy
Sat Jul 19, 2014 5:59 pm
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 16220

Re: Memory foam mattresses - any insight?

I bought on two different occasions foam memory pillows at a department store (Lord & Taylor, then Macy's); however, while I was getting used to the feel of them after a while, they had a terrible smell to them. The instructions told me to air them out for a while, and I did for at least a week,...
by CrossOverGuy
Sat Jul 12, 2014 10:39 am
Forum: Personal Finance (Not Investing)
Topic: bogleheads thoughts on renter's insurance?
Replies: 40
Views: 5874

Re: bogleheads thoughts on renter's insurance?

If you do get renter's insurance, pay a bit extra and get the replacement value option. Otherwise, the insurance company will only pay the depreciated value (or what they think it is) of your property. The replacement value option will pay for what it actually costs to replace your property at today...
by CrossOverGuy
Tue Jun 10, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 7987

Re: At what point do munis make sense?

With what banks are paying (like almost nothing), traditionally folks in higher tax brackets have done well in municipal bonds. But there have been times (lately) when even folks in the lowest tax brackets would do better to have some municipal bonds; you could see this by comparing the taxable and ...
by CrossOverGuy
Sun Jun 08, 2014 1:36 pm
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 24532

Re: Favorite guitarist...

Don't forget this one lady: Charo (yes, she of the "cutchi cutchie" fame); she studied with Segovia, and is a very fine classical guitarist.

https://www.youtube.com/watch?v=XmNPXqG6ovg
by CrossOverGuy
Mon May 19, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements and Jason Zweig tv interview on retirement
Replies: 1
Views: 546

Jonathan Clements and Jason Zweig tv interview on retirement

Here's a link to Mssrs. Clements and Zweig being interviewed by Consuelo Mack about retirement planning. Very interesting, especially since these are two of the best financial writers in the business, and they are quite in the Boglehead tradition. http://www.ritholtz.com/blog/2014/04/on-investing-jo...
by CrossOverGuy
Wed May 14, 2014 10:51 pm
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 5200

Re: Books for someone who is not that interested

Jonathan Clements' "The Little Book of Main Street Money" - small book packed with great information on investing and other financial and life matters pertaining to personal finance Another nod to Andrew Tobias' "The Only Investment Guide You'll Ever Need" - very funny book as we...
by CrossOverGuy
Sun Apr 06, 2014 2:03 pm
Forum: Investing - Theory, News & General
Topic: Can too high a % of market indexing become a liability?
Replies: 9
Views: 1430

Can too high a % of market indexing become a liability?

I don't think it's ever going to reach anywhere near 100% of people investing in the stock market totally indexing their money because good ol' greed and fear moves the market while people buying and holding will tend to reap benefits for not panicking and holding on. But since there is a definite m...
by CrossOverGuy
Fri Apr 04, 2014 11:14 pm
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 9006

Re: Preventing Office Theft of Food and Other Stuff

I once worked for some place where I had brought in some food from a take-out place, ate some and found later in the evening that the remainder was missing from the refrigerator. I walked into a room where a number of people were and announced that it's a shame that someone might have finished my fo...
by CrossOverGuy
Fri Apr 04, 2014 2:35 pm
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 3545

Re: Buying for someone who "has everything"

A number of books say that experiences (and memories of them) are many times more treasured than possessions. So, depending upon where you are located, I would suggest getting tickets to a great live show or musical performance and/or treat yourself to a great meal in a beautiful restaurant where yo...
by CrossOverGuy
Thu Mar 20, 2014 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 3494

Re: Friend possibly victim of real estate dual agency

How much of a difference were there between offers?


I think it was about a $50,000 difference between the offers from what my friend says.
by CrossOverGuy
Thu Mar 20, 2014 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 3494

Friend possibly victim of real estate dual agency

My friend told me that she had recently agreed to sell her co-op in Manhattan for what sounded like a good sum, not long after an open house. However, she mentioned that her real estate broker had pressured her and her husband to accept this one person's offer. However, the agent also mentioned ther...
by CrossOverGuy
Wed Feb 26, 2014 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep papers - conversion or contribut. Roth IRA?
Replies: 1
Views: 240

How long to keep papers - conversion or contribut. Roth IRA?

Just wondering for record-keeping purposes for IRS and for when I start actually making withdrawals from my various Roth IRA accounts, how long do I have to keep papers saying I partially converted such amount (or made contributions) to a Roth? I mean, my accounts at the financial institutions like ...
by CrossOverGuy
Tue Feb 25, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: Kiplinger's,Money or any other publication.....
Replies: 10
Views: 1551

Re: Kiplinger's,Money or any other publication.....

I've subscribed to "Money" for a number of years -- one thing I'm happy about is I believe that it led me to the Boglehead's site - first over at Morningstar and then here. You can sometimes get it by redeeming frequent flyer miles; although when my last subscription was expiring, they off...
by CrossOverGuy
Thu Jan 02, 2014 11:32 pm
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 20813

Re: The Funniest Movie Ever

I have a whole list of them that I made which I sent to cheer up a relative who was recovering from cancer surgery to watch (he survived). Here are some that haven't been mentioned: Ruthless People - Danny DeVito, Bette Midler The In-Laws (original) - Peter Falk, Alan Arkin Where’s Poppa w/George Se...
by CrossOverGuy
Wed Oct 23, 2013 1:54 pm
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 2984

Re: What to Read After the Bogleheads Guide to Investing?

Jonathan Clements' "The Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money" is a small book with lots of great ideas about investing, saving money and happiness. Mr. Clements was the personal finance columnist at the "Wall Street Journal" for...
by CrossOverGuy
Sun Aug 11, 2013 11:31 am
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 7916

Re: Want to cut the cable cord

I'm in NYC. I'm thinking of cutting the cord from Time Warner Cable from their cable tv, but they have just announced that they are raising the rates for standard (highest level) stand-alone internet service to about $55/ month, almost doubling it from what I'm getting as part of my current cable/in...
by CrossOverGuy
Sun Jul 21, 2013 2:32 pm
Forum: Investing - Theory, News & General
Topic: vanguard total bond versus intermediate bond
Replies: 56
Views: 13968

Re: vanguard total bond versus intermediate bond

The negative convexity of Mortgage Backed Securities in TBM are part of it as well. More derivative than bond, they are a method mortgage bankers use to externalize losses onto investors. When interest rates go up, MBS prices drop like long-term bonds. Down, their prices rise slowly or not at all. ...

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