Search found 51 matches

by KarenC
Tue Feb 13, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16658

Re: Number at which to stop worrying

heyyou wrote:
Mon Feb 12, 2018 9:11 pm
There is some Eastern saying about feeling grateful for whatever you do have, thus you don't need or want more.
“It's not having what you want / It's wanting what you've got“ — Sheryl Crow, “Soak Up the Sun”
by KarenC
Mon Jan 29, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Rule 72T: Just how does this work? Anyone do this?
Replies: 5
Views: 655

Re: Rule 72T: Just how does this work? Anyone do this?

JCE66 wrote:
Mon Jan 29, 2018 7:32 am
Bogleheads....I am looking for people who have successfully taken withdrawals under Rule 72T.
I did. I found 72t.net a useful resource.
by KarenC
Sun Jan 21, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31563

Re: What's your U.S. : International ratio?

zaboomafoozarg wrote:
Sat Jan 20, 2018 1:01 pm
I miss polls.

60/40
I was just thinking the same thing. 60/40 (100/0 fixed)
by KarenC
Thu Jan 18, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 34973

Re: Year 2000 retirees using the '4% rule' - Where are they now?

While this forum is full of extremely wealthy people, the reality for most people is they don't "have a number" because retiring before they are eligible for their pension/Social Security/Medicare is simply impossible. So they are working to a fixed age virtually regardless of the size of their por...
by KarenC
Mon Dec 25, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 7762

Re: Will you donate less to Charity?

by libralibra » Sun Dec 24, 2017 12:53 am By that argument, raising tax rates should increase charitable giving, right? But then people would just say they have less money so will give less! Both these arguments cannot be true. You're talking idealism. We're talking human nature. I'll wager any amo...
by KarenC
Thu Oct 12, 2017 4:47 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 6947

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...
by KarenC
Mon Oct 02, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 10888

Re: Current Bull Market could last years

I’m reminded of this 1997 Wired article The Long Boom: A History of the Future, 1980 - 2020 : But there's a new, very different meme, a radically optimistic meme: We are watching the beginnings of a global economic boom on a scale never experienced before. We have entered a period of sustained growt...
by KarenC
Fri Sep 29, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 28550

Re: Iphone X is $1000

TomatoTomahto wrote:
Fri Sep 29, 2017 9:42 am
Great cable. I use a lot of Anker products, generally. Great USB wall plugs.
Sounds like you are quick to Anker.
by KarenC
Mon Sep 25, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 92
Views: 5880

Re: Do you subscribe to digital newspapers?

As someone who favors ebooks, I like the idea of digital newspapers (and magazines). There is one advantage of printed newspapers, however, that I didn’t appreciate until the digital versions appeared: no animated embedded ads. I’m not talking about ad pages that one can swipe past to get to more co...
by KarenC
Mon Sep 18, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 28550

Re: Iphone X is $1000

WhiteMaxima wrote:
Mon Sep 18, 2017 12:47 pm
What iphone X can do what my iphone 5SE can't?
https://www.apple.com/iphone/compare/
by KarenC
Sun Aug 27, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 11126

Re: CrashPlan ends, what's next?

However... :shock: as the Backblaze files were restored... I happened to open one, and then another, and then another... and they were all... EMPTY. Backblaze insisted that was impossible. Had you perhaps run into this issue? Unzipping restores with the built in Windows unzip utility can cause empt...
by KarenC
Tue Aug 22, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 2135

Re: iPhone upgrade through Apple vs through carrier

Wife decided she's going to go to the Apple Store and see about getting her phone fixed. Current issues are: 1. Charging intermittently stops when plugged in. 2. Phone switches from vibrate back to ringer regardless of where the switch is set. If she can't get it fixed for a reasonable price she de...
by KarenC
Mon Aug 21, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 6078

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

What is the reason or logic behind requiring a password to be changed often? It seems to me that if a hacker is going to get into a password protected account they would have to do it once and it wouldn't make any difference whether the password had been in effect or two days or two years. And once...
by KarenC
Sun Aug 20, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 107
Views: 18574

Re: Study: The Rate of Return on Everything, 1870-2015

The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing. FWI...
by KarenC
Thu Aug 10, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5587
Views: 1263011

Re: U.S. stocks in freefall

Actually, if you want to know why the markets are down so much today, it is because I put a lot of money in yesterday. :annoyed It’s actually because I’m planning on making a lump sum investment of a windfall later next week. I apologize in advance, but the market is just going to have to go down b...
by KarenC
Wed Aug 02, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 66
Views: 13962

Re: Jack Bogle - Two Fund Portfolio

How many Bogleheads invest in the Jack Bogle Two Fund Portfolio? Seems to me that the folks seeking such level of simplicity would be much better off with a single LifeStrategy fund (pick the one you like based on your tolerance for volatility, and be done with it). This is the recommendation I mak...
by KarenC
Fri Jul 14, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 11854

Re: % bogleheads of overall population

inbox788 wrote: The denominator is easily estimated at 7.5B world population.

http://www.worldometers.info/world-population/
You might want to narrow that to English speakers; according to Wikipedia, that number is 983 million.
by KarenC
Sat Jun 24, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 13506

Re: Amazon Buys Whole Foods

Here is an interesting perspective: This is the key to understanding the purchase of Whole Foods: to the outside it may seem that Amazon is buying a retailer. The truth, though, is that Amazon is buying a customer — the first-and-best customer that will instantly bring its grocery efforts to scale. ...
by KarenC
Wed Jun 07, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 5189

Re: What really happens in a bear market?

ray333 wrote:People are scared of investing. It took forever to convince my girlfriend (making 6 figures and paid off student loans) to "invest" @ 32 ... with a target retirement fund
Why the scare quotes? A target retirement fund is a legitimate investment.
by KarenC
Mon May 29, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund vs Vanguard 4-fund portfolio?
Replies: 25
Views: 4178

Re: 3-fund vs Vanguard 4-fund portfolio?

Any thoughts about the Vanguard 4-fund portfolio vs the traditional 3-fund portfolio? Any reasons NOT to go with the Vanguard 4-fund portfolio? need403bhelp: […] You can find my reasons for not including an international bond fund in the three fund portfolio. Use the link above, page 11, about 3/4 ...
by KarenC
Sun Apr 09, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 116
Views: 11968

Re: How does one determine their "number" and what exactly does it mean?

What do people think of Fidelity's simplistic approach of "how many times your annual income to have saved" along one's path as a guide? [snip...] It seems to make sense as a nice guide, and the article talks about hypothetical adjustments (retiring earlier or later; spending more or spending less ...
by KarenC
Sun Apr 09, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 116
Views: 11968

Re: How does one determine their "number" and what exactly does it mean?

What do people think of Fidelity's simplistic approach of "how many times your annual income to have saved" along one's path as a guide? [snip...] It seems to make sense as a nice guide, and the article talks about hypothetical adjustments (retiring earlier or later; spending more or spending less ...
by KarenC
Wed Mar 22, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 3333

Re: Anybody using the TERMINAL over the GUI in ubuntu?

An old, very long essay by Neal Stephenson: In the Beginning Was the Command Line About twenty years ago Jobs and Wozniak, the founders of Apple, came up with the very strange idea of selling information processing machines for use in the home. The business took off, and its founders made a lot of m...
by KarenC
Sun Mar 19, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 22038

Re: "Millionaire Next Door" Net Worth Formula

This doesn't work well if you have a huge rise in income over a few years (for me it was 4x). Agreed. I started out making peanuts right out of college for 5+ years, and thanks to a couple of job changes in my late 20s, my income tripled in just a couple years. Instead of the most recent income, I ...
by KarenC
Fri Mar 17, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 2856

Re: Autonomous Vehicles and Drone Deliveries

I dread the advent of ubiquitous drones because of how noisy they are.
by KarenC
Thu Feb 09, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4805

Re: How steep should the glide path be?

My glide path is variable and doesn't depend on age at all. I know I'm on pace to retire much earlier than normal because of my income vs expenses. I also don't want to have to work longer than I need to. So what do I do? Figure out how much I need for retirement based on my expenses. Lets say I de...
by KarenC
Tue Jan 24, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 34
Views: 2811

Re: Editing shortcut emacs-like keys. Do u use them?

I'll confess a certain fondness for E ight M egabytes A nd C onstantly S wapping, but ed is the standard editor . I had not seen that one before. Thanks. For others who don't get the joke, see Paging . My favorite is Escape Meta Alt Control Shift. (I basically spent my working life in Emacs from 19...
by KarenC
Wed Jan 11, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 22401

Re: Best Financial Moves You've Made

About a year after I entered the "real world," something put the fear of being old and poor in me. I started contributing as much as I could to the 401(k) I had through my employer, and continued that until I lost my job in 2010. For some reason, I didn't pay much attention to the 401(k) statements...
by KarenC
Fri Dec 09, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 11812

Re: Explain why Rebalancing isn't Market Timing?

HomerJ wrote:This. It's really this simple. Market-timers CHANGE their AA. Rebalancers MAINTAIN their AA.
Not so simple. I change my AA on a monthly basis but I am not a market-timer. (I track a target-date fund.)

(Edited to correct the attribution.)
by KarenC
Sun Dec 04, 2016 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Nearing early retirement, how to adjust planned withdrawal rate if market corrects
Replies: 44
Views: 4119

Re: Nearing early retirement, how to adjust planned withdrawal rate if market corrects

Mike, Thanks for the thoughtful response. Seems like we do have similar approaches. I do sometimes feel I am layering on caution, on top of safety, on top of being conservative sometimes. I am planning for 3% instead of 4%, plan on using G&K, and not counting SS in my plan. Admittedly, a bit too co...
by KarenC
Sat Dec 03, 2016 6:46 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 8868

Re: What percentage of international do you hold?

Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool " consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks." Springman: Can you provide a link to Vanguard's latest rec...
by KarenC
Thu Aug 04, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard - is touch ID less secure?
Replies: 12
Views: 1212

Re: Vanguard - is touch ID less secure?

The Vanguard app doesn't allow me to paste in my password (which is a nice long random sequence) so I never use it.
by KarenC
Wed Jun 08, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 14337

Re: What are your friends saying about you?

I try to follow the same approach. In a news article I heard this referred to as "stealthy wealthy." This is actually a very important question! (I've thought about this a lot) I try super hard not to become a target. Keep a very low profile. Do not be flashy in any way (no corvettes). Blend in. I d...
by KarenC
Fri Dec 04, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy: A different look?
Replies: 20
Views: 5017

Re: Rent vs Buy: A different look?

From an interesting article I ran across earlier today: Put more simply: More renters should be buying homes. It would be the cheaper option for a lot of them. Except for in the cities where housing prices are simply soaring (New York, San Francisco, and Washington, D.C., to name three), more renter...
by KarenC
Mon Nov 23, 2015 6:46 am
Forum: Investing - Theory, News & General
Topic: 70 is the New 65
Replies: 106
Views: 15661

Re: 70 is the New 65

by KarenC
Sun Aug 30, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 56080

Re: Will you buy an Apple Watch?

I still can't find another watchmaker, that sold as many watches in its first 3-4 months of selling its very first product. ... What exactly does this show other than the Apple brand is amazingly strong? Do you know a single person who did not already have several Apple products who is even the lea...
by KarenC
Sat Aug 29, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 56080

Re: Will you buy an Apple Watch?

How does an Apple Watch owner know it's 12:00 noon? The battery needs recharging. That certainly hasn't been my experience. My Apple Watch typically has about a 30% charge when I put it on the charger and go to bed. (That's with a ~1 hour long workout; workouts consume more power since the HR senso...
by KarenC
Sat Aug 29, 2015 8:08 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 56080

Re: Will you buy an Apple Watch?

Now, fast forward to the present. Again the watch cannot show the time constantly since doing so would use too much battery. I don't want to be in a meeting and raise my wrist to see the time. I just want to glance at my wrist. It's not as unobtrusive as a glance, but you can tap the watch face to ...
by KarenC
Tue Aug 11, 2015 7:08 am
Forum: Personal Consumer Issues
Topic: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
Replies: 55
Views: 6997

Re: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?

In terms of getting realtime feedback on your driving, you might want to consider Automatic.
mac_guy wrote:
LAlearning wrote:My guess is your driving is to blame.
That very well may be true. Any advice on how to drive more fuel efficiently?
by KarenC
Thu Jun 04, 2015 6:54 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 8845

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

From your description, I'd say the best course is to go for the 8 GB RAM. Swapping to an SSD does make a constrained memory situation much more bearable, but given that the memory isn't upgradable, and memory demands of programs tend to march upwards as the are revised, paying a bit more for extra m...
by KarenC
Wed May 20, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 22185

Re: How much does social security factor into your retirement income?

Professor Emeritus wrote:
John3754 wrote: Why are the millennials increasing in population size until 2036?
Immigration?
Yes, that's the reason given in the report.
by KarenC
Fri May 15, 2015 5:25 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69346

Re: Forum software upgrade bug reports and change requests

I'm now seeing an issue where I'm seeing a dog picture in the upper lefthand corner of quote blocks. (I have a screenshot if you want to see what I mean.) This is in Safari on iPad.
by KarenC
Mon May 11, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 18326

Re: Will you buy self-driving car?

Since this topic involves the use of a specific form of AI, I thought some people might be interested in this article, which is a nice summary of the potential long-term future of AI: The AI Revolution: The Road to Superintelligence (Fair warning—it's part 1 of a two-part article, and both parts are...
by KarenC
Mon May 11, 2015 7:24 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69346

Re: Forum software upgrade bug reports and change requests

Is there some issue where random images are being displayed in the background of particular areas? On the banner, I'm seeing a tiled image with "Compound Interest The 8th Wonder of the World" and something else random on the left side. (Since this is resulting in white text on a light blue backgroun...
by KarenC
Mon May 04, 2015 9:25 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69346

Re: Forum software upgrade bug reports and change requests

Another issue, which is more annoying, and a regression : When maximizing/widening a browser window containing a bogleheads.org thread, such as this one, There are now wide blank margins on the left and right, which didn't use to be there. I can make these margins disappear by enlarging the font, b...