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KarenC

Or just use a variant of the XKCD approach: https://xkcd.com/936/

KarenC

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...

KarenC

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...

KarenC

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...

KarenC

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.

KarenC

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. ...

KarenC

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.

KarenC

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 ...

KarenC

This brings to mind this cartoon from the New Yorker.

KarenC

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 spen...

KarenC

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 spen...

KarenC

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...

KarenC

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 ...

KarenC

I dread the advent of ubiquitous drones because of how noisy they are.

KarenC

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...

KarenC

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...

KarenC

⋅ 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 ...

KarenC

2359.68

KarenC

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.)

KarenC

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 to...

KarenC

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 ...

KarenC

Overcast.

KarenC

The Vanguard app doesn't allow me to paste in my password (which is a nice long random sequence) so I never use it.

KarenC

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). Ble...

KarenC

2208.71

KarenC

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...

KarenC

Some historical data: Life Expectancy by Age, 1850–2011

KarenC

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...

KarenC

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...

KarenC

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 ...

KarenC

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?

KarenC

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...

KarenC

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.

KarenC

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.

KarenC

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...

KarenC

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...

KarenC

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...

KarenC

I would not buy a self-driving car but I definitely look forward to using Uber-like services for self-driving cars and giving up vehicle ownership. It means I won't need parking at my residence for a car. It means downtown areas especially will need far less parking, creating the ability to build-i...

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

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