Search found 38 matches

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: 76
Views: 7312

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: 3799
Views: 996372

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: 12283

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: 10492

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: 11190

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: 4259

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: 2597

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: 10356

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: 116
Views: 10356

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: 2925

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: 19144

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: 2304

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: 4401

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: 2656

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: 18430

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: 10632

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: 3913

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: 7923

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: 1055

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: 13647

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: 4642

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: 15216

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: 53883

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: 53883

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: 53883

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: 6078

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: 8278

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: 21375

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: 407
Views: 55618

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: 17359

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: 407
Views: 55618

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: 407
Views: 55618

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: 17359

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...