Search found 490 matches

by Hyperborea
Sat Feb 17, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 135
Views: 7078

Re: What has been your most important skill in achieving financial independence?

Peter Foley wrote:
Sat Feb 17, 2018 9:12 pm
Is deferred gratification a skill? :wink:
Nope. Probably an inherent trait.

Kids Marshmallow Experiment
https://www.youtube.com/watch?v=0mWc1Y2dpmY
by Hyperborea
Fri Feb 16, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4366

Re: Question for music experts about musical keys

My point was just that you canmot rely on a recording to establish intended key for pop music particularly in the analog recording era where playback speed and pitch are tightly coupled. Yes, very true. The original recording when done in the studio might have been 3:06 and the execs wanted all son...
by Hyperborea
Fri Feb 16, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14189

Re: For BHs who actually like cars - [what car do you drive every day?]

It's funny how so many bogleheads will fight tooth and nail to pay say .25% less in fees on retirement funds but have no problem buying an expensive car. Not a criticism but an interesting observation. There's a tangible enjoyment taken in buying a nice car if you are an auto enthusiast, over an ap...
by Hyperborea
Fri Feb 16, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4366

Re: Question for music experts about musical keys

So when pitch is changed as in the app you mentioned, it might only change the pitch a little. That does not change the key. It does indeed sound complicated. All I can say is that when I increased the BPM a lot for a given song, I got Donald Duck sounds. When the change was smaller, it didn't soun...
by Hyperborea
Fri Feb 16, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4366

Re: Question for music experts about musical keys

I really like/feel the bass in songs and would like to be able to play bass. OK...go ahead...let me have it! Thanks, Don If you learn to play the bass then you will more likely get more playing time when you play with others. Everybody and his brother plays guitar. A lot fewer people play bass. If ...
by Hyperborea
Thu Feb 15, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4366

Re: Question for music experts about musical keys

The last band I played in (lead guitar player), the singer determined the key. We'd switch on the fly when the pre-chosen key by the band leader wouldn't work. Last night, I was listening to Stevie Ray Vaughan -- some live songs from YouTube. On one song, I realized Albert King and Stevie sort of n...
by Hyperborea
Wed Feb 14, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4366

Re: Question for music experts about musical keys

Well, it's pretty well known that D minor is the saddest of all keys. https://vimeo.com/92699399 I agree that the keys some kinds of music are in is based on what is easiest to play on the instruments used. You will find a lot of traditional music on the guitar in the keys of E, A, and D because tho...
by Hyperborea
Tue Feb 13, 2018 2:17 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7028

Re: Are Password Managers Really Necessary?

As far as the password manager on the untrusted computer...you would type in your password to unlock the password manager. But I wouldn’t do that on an untrusted computer, with or without a password manager. I only access the “important” accounts from trusted computers, and the password manager acc...
by Hyperborea
Tue Feb 13, 2018 2:15 am
Forum: Investing - Help with Personal Investments
Topic: 4% rule and early retirement?
Replies: 69
Views: 8192

Re: 4% rule and early retirement?

Although I am not yet retired, I am leaning to a hybrid approach using 2% fixed based on value at retirement (adjusted for CPI) and 2% based on the annual value of funds. This is very similar to a system that was proposed maybe 15 or so years ago by a poster known as "Gummy", a retired applied math...
by Hyperborea
Mon Feb 12, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7028

Re: Are Password Managers Really Necessary?

I can't imagine not having a password system of some kind. I just use a password protected excel file with 100+ usernames and passwords. Security might not be as sophisticated as some of the branded online managers, but then again, it's not on the cloud. How are you generating the passwords though?...
by Hyperborea
Mon Feb 12, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule and early retirement?
Replies: 69
Views: 8192

Re: 4% rule and early retirement?

That means we will NOT be using the 4% SWR - which includes 1% AUM, and a COLA every year. To be sure, you're paying someone 1% AUM? I think Sandi_k is saying that the 4% rule assumes you're paying someone 1% AUM, so it's really "you get 3% + are paying someone 1%" as opposed to a self-managed 4% w...
by Hyperborea
Mon Feb 12, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule and early retirement?
Replies: 69
Views: 8192

Re: 4% rule and early retirement?

Although I am not yet retired, I am leaning to a hybrid approach using 2% fixed based on value at retirement (adjusted for CPI) and 2% based on the annual value of funds. This is very similar to a system that was proposed maybe 15 or so years ago by a poster known as "Gummy", a retired applied math...
by Hyperborea
Mon Feb 12, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5363

Re: Suggest coffee maker please

Would this be a good deal for a small Bonavita: https://www.amazon.com/Bonavita-BV1500TS-Carafe-Coffee-Stainless/dp/B00SK5IXPQ $76.48, almost 50% off. I've owned that particular model and a BV1800. I actually returned the 1500 and bought an 1800. Something to know about all of these Bonavitas is th...
by Hyperborea
Sun Feb 11, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Arguments against rising equity glide path?
Replies: 40
Views: 2392

Re: Arguments against rising equity glide path?

Thanks for your response. What I am trying to say, and obviously failing at doing, is these equity glidepath conversations all start at the time or retirement, and are making decisions based upon outcomes at that time looking forward. What they are not doing is adjusting to the optimal risk allocat...
by Hyperborea
Sun Feb 11, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Arguments against rising equity glide path?
Replies: 40
Views: 2392

Re: Arguments against rising equity glide path?

Market timing / risk timing same thing. It is a bet that historical valuation plays a part in future return, which historically it has. To your point, it may not in the future. An equity glide before and/or after retirement is in a more abstract sense adjusting allocation based on time from a fixed...
by Hyperborea
Sun Feb 11, 2018 2:26 am
Forum: Investing - Help with Personal Investments
Topic: Arguments against rising equity glide path?
Replies: 40
Views: 2392

Re: Arguments against rising equity glide path?

Anyone has or came across fact-based opposing arguments? Sure, there are a ton of fact-based opposing arguments. Let's start with other people who have tested rising equity glide paths and found them wanting: <snip> General points about ERN's findings in particular He is testing over a 60-year reti...
by Hyperborea
Sat Feb 10, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5363

Re: Suggest coffee maker please

Is it possible to place a mug/cup underneath, instead of the carafe, to brew just a single cup? Thank you. There's nothing that would physically stop you from doing that as long as the mug fits under the filter holder. Two issues that I can think of is taking the time to get the water level right -...
by Hyperborea
Sat Feb 10, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can’t decide if we’re getting close to FIRE without knowing health care costs
Replies: 30
Views: 2242

Re: Can’t decide if we’re getting close to FIRE without knowing health care costs

With a username like “Hyperborea,” I’m going to guess that country is probably Scandinavian? :) Actually, from this fall I plan to be in Japan for a number of years. Health insurance is cheap and the quality of care is very good. The board name is more an indication of where I'm from - from beyond ...
by Hyperborea
Sat Feb 10, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4505

Re: Can I afford to move to a lower paying career?

I'm going to agree with drunk Jehovah and Cpt. Kangaroo. Based on your budget in option 2 ($60K salary + $40K withdrawal) that $100K is a less than 3% withdrawal on your portfolio. If that's a decent living amount for you then do what you want. Get out of the toxic work environment. Take the teachin...
by Hyperborea
Sat Feb 10, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Arguments against rising equity glide path?
Replies: 40
Views: 2392

Re: Arguments against rising equity glide path?

The only downside that I can see is that you are reducing the potential top end gains of holding the final high equity portfolio from the start if you retire in a good year. You are trading those top end gains to increase the gains of the potential bad start year. It would be interesting to have som...
by Hyperborea
Sat Feb 10, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Can’t decide if we’re getting close to FIRE without knowing health care costs
Replies: 30
Views: 2242

Re: Can’t decide if we’re getting close to FIRE without knowing health care costs

I'm not sure that the current health care situation for an early retiree in the US is knowable at this point. If I was in your situation I would hold off if at all possible. The situation should clear up in a couple of years though it may become a hostile health care environment. If you want to go s...
by Hyperborea
Sat Feb 10, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

The most important factor for determining an asset allocation is risk tolerance. Risk tolerance is comprised of ability and willingness to assume risk. You have left out need in determining risk tolerance. It does one a disservice to pick an asset allocation that makes them feel warm and fuzzy but ...
by Hyperborea
Sat Feb 10, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5363

Re: Suggest coffee maker please

Thank you. The Bonavita looks really interesting, I wasn't aware of this coffee maker before. Have you looked in to Bonavita vs Behmor vs BUNN vs OXO? Sorry, I haven't and don't know much about them. When I bought my Bonavita the only certified drip machines were it and the Technivorm. It's really ...
by Hyperborea
Sat Feb 10, 2018 2:03 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5363

Re: Suggest coffee maker please

I was digging through old BH threads on the topic, and the Bonavita coffee maker seems to come up frequently. Any thoughts on if it's really better than the $30-50 drip coffee makers (like Mr. Coffee, Black & decker). And if so, what makes it better? Yes, the Bonavita makes a great pot of coffee. W...
by Hyperborea
Fri Feb 09, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

The Great Depression happened. By definition, something that has actually happened is possible. Anyone 100% in stocks in 1929 who was withdrawing money to live went completely broke. Please show your work for your assertions. For full credit also show the same work for 25% and 50% allocations. Let'...
by Hyperborea
Mon Feb 05, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

The Great Depression happened. By definition, something that has actually happened is possible. Anyone 100% in stocks in 1929 who was withdrawing money to live went completely broke. Please show your work for your assertions. For full credit also show the same work for 25% and 50% allocations. Let'...
by Hyperborea
Sun Feb 04, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I think you are missing my point. I am not saying the US market would not come back after a 50% drubbing. It has, twice in very recent memory. What I am saying is that such a severe downturn, accompanied by withdrawals from the portfolio in early retirement is at best alarming, at worst can lead to...
by Hyperborea
Sun Feb 04, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Now, given the relatively conservative draw (3%) and the fact there is some SS in the future, fearless will *likely* still be okay. But looking at this example, can you see how somebody younger than 65 *might* want a significant % of bonds?? 3% withdrawal rate is incredibly conservative. For 40 yea...
by Hyperborea
Sun Feb 04, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1003

Re: Is VPN needed on a home desktop PC?

I have been looking at dedicated VPN router/modem instead of software based vpn. Any opinions on this? DA That's a good solution to avoid the malicious WiFi sites but it won't avoid the ISP spying issue. After the traffic exits your home VPN router it then goes through your ISP as usual. For consum...
by Hyperborea
Sun Feb 04, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1003

Re: Is VPN needed on a home desktop PC?

I've had a VPN for my desktop through Private Internet Access for about seven months. The problem is that some of the websites I want to access for general web surfing recognize my PIA IP address as coming from a VPN. Due to abuse by others using the same VPN (and thus the same IP address) some web...
by Hyperborea
Sun Feb 04, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I think you are missing my point. I am not saying the US market would not come back after a 50% drubbing. It has, twice in very recent memory. What I am saying is that such a severe downturn, accompanied by withdrawals from the portfolio in early retirement is at best alarming, at worst can lead to...
by Hyperborea
Sun Feb 04, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1003

Re: Is VPN needed on a home desktop PC?

TheAccountant wrote:
Sun Feb 04, 2018 2:30 pm
Not unless you're browsing somewhere you shouldn't be. :wink:
Yup, if you've got nothing to hide then being randomly stopped and searched on the street should be no problem either.
by Hyperborea
Sun Feb 04, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1003

Re: Is VPN needed on a home desktop PC?

I am advised that you do have to trust that your VPN service provider has your best interests at heart, because you're relying on them to secure your connection, keep everything encrypted, and to protect your activity from prying eyes. I haven't determined how to do that reliably. I know that I've ...
by Hyperborea
Sun Feb 04, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Watty wrote:
Sun Feb 04, 2018 1:36 pm
There are also permutations of life events like divorces and remarriages that I have seen change peoples plans.
Pretty much a non sequitur. Whether the OP had 100% stock or 50/50 his spouse in any hypothetical divorce would get the same percentage of the assets.
by Hyperborea
Sun Feb 04, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Now, given the relatively conservative draw (3%) and the fact there is some SS in the future, fearless will *likely* still be okay. But looking at this example, can you see how somebody younger than 65 *might* want a significant % of bonds?? 3% withdrawal rate is incredibly conservative. For 40 yea...
by Hyperborea
Sun Feb 04, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm 100% stocks with paper investments (only 33 years old). Hope to always have that allocation. That's what I'm talking about. The "experts" say that you should be 70/30 right now. Can you honestly see yourself jumping 30% into bonds right now just because "that's what you're supposed to do"? At a...
by Hyperborea
Sun Feb 04, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13481

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

If you are still working, wouldn't it make sense to be 100% equities? If the market tanks near retirement commencement, keep working a few more years. (I do see the logic of diversification after retirement.) I think that's a perfectly fine option if your retirement date has some flexibility. It's ...
by Hyperborea
Sat Feb 03, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14189

Re: For BHs who actually like cars - what is your daily driver?

I have a 2005 Mazda RX-8 that I have owned since new that I planned to auto-x but got too busy to do so. Before that, I had a 1987 Porsche 944 Turbo that I used to track and auto-x. With most modern cars the power levels have got to the point that they are mostly unusable on the streets and only for...
by Hyperborea
Sat Feb 03, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 94
Views: 6487

Re: Owning the largest and most successful corporations

Owning shares in the largest and most successful corporations in the United States gives me comfort. It is dangerous to rely on past performance to forecast future performance. Those two ideas seem incredibly inconsistent to me. Your comfort comes from past performance and projecting that into the ...
by Hyperborea
Fri Feb 02, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Owe big (for me) in 2017 taxes
Replies: 12
Views: 1083

Re: Owe big (for me) in 2017 taxes

I found this blurb on the interwebs https://www.irs.gov/taxtopics/tc306 The United States income tax system is a pay-as-you-go tax system, which means that you must pay income tax as you earn or receive your income during the year. You can do this either through withholding or by making estimated t...
by Hyperborea
Thu Feb 01, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 70
Views: 10517

Re: Sous Vide?

I also do a lot of BBQ and smoking. It's not possible to exactly duplicate slow smoking or BBQ. But in many ways, I think food cooked sous vide and finished in the smoker is even better than "the real thing". Temps for brisket flats are all over the place. Some say 135 others say 155. Do you have a...
by Hyperborea
Wed Jan 31, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: retiring with small pension - % allocation rule of thumb?
Replies: 17
Views: 1539

Re: retiring with small pension - % allocation rule of thumb?

Just be aware that there are some overly conservative posters on this forum. If you posted about using a belt and suspenders to keep your pants up somebody will be along to suggest that you need to crazy glue them on first just in case. That will be followed by somebody else saying that isn't suffic...
by Hyperborea
Wed Jan 31, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: retiring with small pension - % allocation rule of thumb?
Replies: 17
Views: 1539

Re: retiring with small pension - % allocation rule of thumb?

While you do need to think about a base withdrawal less than 4% you don't need to go crazy low. Anything below 3% is far too low unless you have very low equity amounts (30% or less) and are expecting more than a 40 year retirement. As a single woman about 55 you have a 10% chance of making it for 4...
by Hyperborea
Tue Jan 30, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: The housing nowadays
Replies: 64
Views: 5861

Re: The housing nowadays

I am looking into buying a single family house in bay area California. I went into several open homes, I couldn't believe what I saw. Condition of the house, and location does not justify the price at all. I am called for a bubble to happen it's way overvalued. Do you have any idea what will bring ...
by Hyperborea
Mon Jan 29, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8693

Re: WHY do wireless routers need periodic reboots?

have never had to reboot my apple system ever :? Thats always been one of the first things suggested at the genius bar, my having taken numerous self-help educational apple store classes i've picked up many apple device quirks and turning it off completely as a operational fix remedy was one. Good ...
by Hyperborea
Sun Jan 28, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 1520

Re: San Diego for 3-4 Days for a Couple

Thanks for the suggestions. As to the questions: We like to go to music events. I'm an amateur blues guitarist/harmonica guy so lean towards blues but also like jazz, power pop, electronic, rock not so much classical. I see that there's a big pop/rock festival in town the weekend that we would be th...
by Hyperborea
Sun Jan 28, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 1520

San Diego for 3-4 Days for a Couple

Ok, what do folks suggest for 3-4 days in San Diego for a couple? We need to get out of the house during our open house in March (we're selling) and we realized that in all our time in California we've never been to San Diego. We're thinking about flying down since we've got some Southwest gift card...
by Hyperborea
Sun Jan 28, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our mortgage?
Replies: 12
Views: 1511

Re: Should we pay off our mortgage?

I don't think there is ever a bad time to pay off your mortgage. Is there a better feeling then going to sleep knowing you owe nothing? The best piece of advise I got on this subject was never make a large payment without paying your mortgage in full. In other words, if you had 50k in saving and yo...
by Hyperborea
Sun Jan 28, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8693

Re: WHY do wireless routers need periodic reboots?

At times I have suspected that the AC cord connection somehow works loose enough to lose internet function but maintains enough contact to keep the lights on the modem lit so that the modem appears to be functioning properly. It may be a simple electrical connection problem rather than something in...
by Hyperborea
Sun Jan 28, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8693

Re: WHY do wireless routers need periodic reboots?

My girlfriend has had Comcast Xfinity for the 3+ years we've been together and OMG, it's one problem after another. Consumer-level Comcast is pretty horrible but Comcast Business rocks. I've had problems with the line where they were out to fix it within a couple of hours rather than somewhere betw...