Search found 30 matches

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: 92
Views: 7186

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 spen...
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: 92
Views: 7186

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 spen...
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: 2686

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: 169
Views: 15479

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: 1938

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: 4200

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: 2522

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: 141
Views: 17612

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 ...
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: 10047

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: 3717

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 to...
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: 7198

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 ...
by KarenC
Thu Aug 04, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard - is touch ID less secure?
Replies: 12
Views: 935

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: 13237

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). Ble...
by KarenC
Fri Dec 04, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy: A different look?
Replies: 20
Views: 4459

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: 14920

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: 51641

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: 51641

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: 51641

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: 5711

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: 7429

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: 19559

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: 274
Views: 45097

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: 16905

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: 274
Views: 45097

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...
by KarenC
Mon May 04, 2015 9:25 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 274
Views: 45097

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...
by KarenC
Mon May 04, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 16905

Re: Will you buy self-driving car?

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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