Search found 826 matches

by LazyNihilist
Thu Apr 13, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 1381

Re: Lack of rigor in EdX (and other?) MOOCs?

You get two chances at each question. After your first answer, you are told whether or not it is correct, and if it isn't, you can make a second choice. That means that by chance alone, your chance of getting the correct answer is to a question is... really? did I do this correctly? 50%. Yep. So, i...
by LazyNihilist
Thu Apr 13, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 1381

Re: Lack of rigor in EdX (and other?) MOOCs?

You get two chances at each question. After your first answer, you are told whether or not it is correct, and if it isn't, you can make a second choice. That means that by chance alone, your chance of getting the correct answer is to a question is... really? did I do this correctly? 50%. Yep. So, i...
by LazyNihilist
Wed Apr 12, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 129
Views: 10748

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Two lessons learned: 1. email and forum post will go at the same time next year, and 2. Never again announce an exact date. Best Regards, Mel This is a difficult problem and a right balance has to be struck. As the forum grows more popular there will be more disappointed people in the coming years....
by LazyNihilist
Fri Apr 07, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab backdoor Roth: Can I just transfer from IRA into Roth
Replies: 16
Views: 1079

Re: Schwab backdoor Roth: Can I just transfer from IRA into Roth

What is the difference between converting from Traditional to Roth IRA. vs Withdrawing the same amount from Traditional and converting it to Roth IRA. Don't you need to withdraw from Traditional before converting to Roth IRA? There is a 10% penalty for withdrawing IRA prior to age of 59.5 Thank you.
by LazyNihilist
Fri Apr 07, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab backdoor Roth: Can I just transfer from IRA into Roth
Replies: 16
Views: 1079

Re: Schwab backdoor Roth: Can I just transfer from IRA into Roth

What is the difference between converting from Traditional to Roth IRA.
vs
Withdrawing the same amount from Traditional and converting it to Roth IRA.

Don't you need to withdraw from Traditional before converting to Roth IRA?
by LazyNihilist
Sun Apr 02, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 1577

Re: running tax software on Linux using Windows virtual machine

I occasionally run Windows on VirtualBox in my Debian Linux system. It works well.
by LazyNihilist
Mon Mar 27, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10385

Re: Virtual Private Networks (VPNs)

Curious if anyone has any experience with VPN Providers that support application-level split tunneling. I'd like to tunnel most things, but NOT tunnel latency-sensitive things such as games or voice communications. I'm not super technical any more, so I'd really not like to jump in and start buildi...
by LazyNihilist
Wed Mar 22, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2648

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

I use Debian and find it is a very stable system. I find command line easy to write scripts that I need to run repeatedly. I also have a couple of 'net-top linux boxes' which don't have a monitor and only have command line interface through SSH. Here are some of my most used commands from .bash_hist...
by LazyNihilist
Thu Mar 16, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2615
Views: 691257

Re: What Movie Have You Recently Watched?

I've seen all the 2016 Oscar Best Picture Nominees. Here's how I rate them. Arrival - 9.25 Moonlight - 9 Manchester by the Sea - 9 La La Land - 8.75 Hidden Figures - 8.5 Fences - 8 Lion - 7.5 Hell or High Water - 6.75 Hacksaw Ridge - 6.5 The most surprising thing was Amy Adams not getting nominated ...
by LazyNihilist
Fri Feb 10, 2017 10:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 319
Views: 17478

Re: Your USER NAME...what does it mean?

My Mom says I am Lazy.
I believe that all ethical and moral values are subjective.
There is also nothing to life before you are born and after you are dead.
by LazyNihilist
Mon Feb 06, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 270
Views: 42086

Re: Any books really change your outlook on life?

Lots of great recommendations. Thank you.
by LazyNihilist
Mon Feb 06, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2615
Views: 691257

Re: What Movie Have You Recently Watched?

There is a great promotion for all of this year's Best Picture Oscar Films from Regal Movies. http://www.regmovies.com/promotions/Best-Picture-Film-Fest AMC and Cinemark also have similar deals https://www.amctheatres.com/events/best-picture-showcase https://www.cinemark.com/oscar-movie-week http://...
by LazyNihilist
Wed Jan 25, 2017 12:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 8633

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Wish you a very Happy Bithday Taylor.
by LazyNihilist
Mon Jan 23, 2017 2:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31621

Re: South Florida Local Chapter

We had our South Florida Bogleheads Chapter meeting yesterday from Noon to 2pm. Below are some brief highlights from the meeting. Thanks to clevername our chapter leader for donating his time and beautiful office for our meeting. The meeting was held at Brickell Bay Drive and the view from the offic...
by LazyNihilist
Thu Dec 29, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2020 - A Not Insignificant Tracking Error?
Replies: 5
Views: 882

Vanguard Target Retirement 2020 - A Not Insignificant Tracking Error?

While checking the performance of one of Vanguard Target retirement funds, I saw this and was surprised at the tracking error. https://personal.vanguard.com/us/funds/snapshot?FundId=0682&FundIntExt=INT#tab=1a Historical returns Cumulative total returns as of 11/30/2016 1 Year 3 Year 5 Year 10 Ye...
by LazyNihilist
Mon Dec 26, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 6709

Re: How do you track your finances?

I use GnuCash and am very happy with its Double Entry Book-Keeping.
by LazyNihilist
Sat Dec 24, 2016 4:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7636

Re: My Christmas Gift to You.

Thank you very much Taylor. Merry Christmas to one and all.
by LazyNihilist
Fri Dec 16, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Cell phone carriers (looking to switch)
Replies: 34
Views: 2247

Re: Cell phone carriers (looking to switch)

Google Fi is supported only on a limited set of phones. But I feel it is well worth it.

You only pay for data you use @ $0.01/MB.
by LazyNihilist
Wed Nov 02, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: "A Bored Investor is a Dangerous Thing"
Replies: 5
Views: 1030

Re: "A Bored Investor is a Dangerous Thing"

Thanks for the posting the column Taylor.

I shall remain Lazy. :happy
by LazyNihilist
Mon Oct 24, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 6003

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

If you want to send it over the internet. I would highly recommend SSH + rsync. With rsync you can resume interrupted downloads. This is very easy to do if you have a linux based system already setup, if not, try using Ubuntu. You can install Ubuntu inside a VirtualBox and setup OpenSSH and then the...
by LazyNihilist
Thu Sep 29, 2016 12:31 pm
Forum: Investing - Theory, News & General
Topic: FiveThirtyEight's "Hack Your Way To Scientific Glory"
Replies: 17
Views: 2382

Re: FiveThirtyEight's "Hack Your Way To Scientific Glory"

Here's a great video by Veritasium explaining the problem with p-hacking in Published Research.
https://www.youtube.com/watch?v=42QuXLucH3Q
by LazyNihilist
Sat Sep 17, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: How to sleep like a Billionaire?
Replies: 14
Views: 3198

How to sleep like a Billionaire?

I've occasionally bought powerball and megamillions tickets when the jackpot exceeded $300 million. While day dreaming about what to do with all the money, I had a brilliant (or stupid) insight. Even Billionaire's need to sleep around 8 hours a day. So what kind of bed do they sleep on? What kind of...
by LazyNihilist
Mon Sep 05, 2016 4:12 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Jack Bogle: The Undisputed Champion of the Long Run
Replies: 19
Views: 3538

Re: WSJ - Jack Bogle: The Undisputed Champion of the Long Run

paper200 wrote:The quote from the article I love it:

Mr. Bogle is no idolater of the management art, not even his own. “I think a lot about leadership and I’ve come to the conclusion, by and large, it’s overrated, and that includes you know who.”


Founder of Vanguard and such humility.
by LazyNihilist
Mon Aug 01, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1127

Re: Merging PDF Files

I use a free software called PDFTK Builder ( http://angusj.com/pdftkb/ ). A portable version is also available ( http://portableapps.com/apps/office/pdftk_builder_portable ). This allows me to add multiple PDFs together, split a PDF into individual pages, and more. I use pdftk on linux (debian) and...
by LazyNihilist
Tue Jul 12, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5539

Re: Passwords

I would also highly recommend KeePass. I've been using it for the past 2 years.
http://keepass.info/
by LazyNihilist
Mon Jul 04, 2016 12:36 am
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 4007

Re: The Declaration of Independence

whodidntante wrote:Can someone recommend an allocation among life, liberty, and pursuit of happiness?

Why split it when you can put it all in a Target Date Fund 1776? :P
by LazyNihilist
Fri Jul 01, 2016 12:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Abuss368 has 10,000 posts!!
Replies: 29
Views: 2326

Re: Abuss368 has 10,000 posts!!

Thank you Abuss368.

I find your posts informative and enjoyable.
by LazyNihilist
Sat Jun 18, 2016 4:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31621

Re: South Florida Local Chapter

Taylor/Miriam2/clevername, Thanks very much for co-ordinating the Boglehead meetup. Last year's meetup, in Ft. Lauderdale, was my first Bogleheads meetup and I was happy to see many fellow Bogleheads and had a great time. Thanks to Burley and Jason Smith for letting us use their office for this year...
by LazyNihilist
Sat Jun 04, 2016 5:09 pm
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 8656

Re: Thank you Taylor Larimore

I would like to hear from other Bogleheads about your favorite Taylor Larimore quotes, how he has helped you, and what he has done for the Bogleheads' community. Personally, I have seen Taylor calm down countless threads that may have gotten out of hand. When he says "When experts disagree, it...
by LazyNihilist
Wed Apr 06, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: "Simple vs. Complex"
Replies: 12
Views: 2062

Re: "Simple vs. Complex"

Thanks for the great article Taylor.

Love this from the article.
And simple need not be conflated with easy or stupid. Albert Einstein said that "everything should be made as simple as possible, but no simpler."
by LazyNihilist
Sun Mar 20, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: Amazon Prime video interview Jack Bogle
Replies: 1
Views: 690

Re: Amazon Prime video interview Jack Bogle

Wonderful interview.

Thanks.
by LazyNihilist
Sun Mar 20, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience w/ Ally CHECKING account?
Replies: 40
Views: 3509

Re: Any experience w/ Ally CHECKING account?

I have had no problems with Ally so far.
I also use Schwab for unlimited ATM fee refunds. Both Ally and Schwab Checking account are good.
by LazyNihilist
Mon Feb 15, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 39
Views: 4095

Re: $50 Amazon tablet

protagonist wrote:I have 5.1. Did you use any specific tool to root? I have Google Play Store. I got hung up trying to load the fastroot drivers.


I followed rootjunky's video's for it.

For rooting,
https://www.youtube.com/watch?v=sVv1D_LNLTg

For SlimLP
https://www.youtube.com/watch?v=NaCBSuUuhRE
by LazyNihilist
Fri Feb 12, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 39
Views: 4095

Re: $50 Amazon tablet

I actually bought a couple of Fire Tablets when they were $35. I gave one away as a gift and kept the other to replace an iPad that broke (I dropped it). It works well enough (I guess) and I don't have any major complaints... but I feel like it works just barely well enough for me to be happy enoug...
by LazyNihilist
Sun Jan 31, 2016 8:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: One year of knowing Taylor Larimore
Replies: 15
Views: 3269

One year of knowing Taylor Larimore

Dear Bogleheads, One year ago, I moved to Miami, FL from Connecticut. Relocating to Florida https://www.bogleheads.org/forum/viewtopic.php?t=153343 I didn't bring any alligator repellent like livesoft recommended. But, I noticed that Taylor had his Location in Bogleheads displayed as Miami FL. So, o...
by LazyNihilist
Thu Jan 07, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 8313

Re: Jackpot Now Estimated $700 Million, who's in?

Is it legally/technically possible to buy a lottery ticket with Roth IRA $$$?
What will the IRS do if someone hits the jackpot on that ticket?
by LazyNihilist
Thu Dec 31, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 2610

Re: VPN Service, personal. suggestions.

The best comparison of VPN services i've seen. From Reddit.
https://docs.google.com/spreadsheets/d/ ... li=1#gid=0
by LazyNihilist
Fri Dec 18, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: safe inexpensive secure password site
Replies: 31
Views: 2788

Re: safe inexpensive secure password site

I would highly recommend KeePass.
by LazyNihilist
Thu Nov 26, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Secure Public Internet - VPN Traffic
Replies: 4
Views: 856

Re: Secure Public Internet - VPN Traffic

If you use the standard OpenVPN Server and Client, once the VPN connection is established to the server all network traffic from the client is tunneled through the VPN server. You would not be required to use a Remote Desktop. When you connect using the Global VPN Client, what happens if you use you...
by LazyNihilist
Mon Nov 09, 2015 10:25 pm
Forum: Personal Consumer Issues
Topic: What is unused (cell plan) data worth to you?
Replies: 56
Views: 5353

Re: What is unused data worth to you?

Google has a new Phone plan called Project Fi. https://fi.google.com/about/ It's $20/month/phone + $0.01/mb of data used. Only mobile data counts, data over WiFi is free and Google automatically connects to any open wifi using a VPN. So you rarely need to use mobile data. It works only on certain Ne...
by LazyNihilist
Mon Nov 09, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: Password managers (eg Keepass, Lastpass, 1Password etc)- security risk
Replies: 29
Views: 3688

Re: Password managers (eg Keepass, Lastpass, 1Password etc)- security risk

Security is a trade off most of the time.
KeePass is still one of the best Password managers around.
If an attacker has root/Admin access to the user's system, the system is compromised and it's time to reinstall the OS and reset all the passwords.
by LazyNihilist
Mon Sep 21, 2015 2:37 pm
Forum: Forum Issues and Administration
Topic: how to make default font size bigger?
Replies: 6
Views: 1300

Re: how to make default font size bigger?

Miriam2 wrote:
LazyNihilist wrote:If you use firefox, there is an easy way to do this . . . This makes the controls only change the size of text; not images.

LN - can we do this for Windows IE?


Miriam2,
Yes IE has an option in the menu bar go to View -> Text Size
It has five options Smallest, Small, Medium, Large, Largest.
by LazyNihilist
Fri Sep 18, 2015 9:38 pm
Forum: Forum Issues and Administration
Topic: how to make default font size bigger?
Replies: 6
Views: 1300

Re: how to make default font size bigger?

If you use firefox, there is an easy way to do this On the menu at the top, click View, then go to Zoom. Select Zoom Text Only. This makes the controls only change the size of text; not images. https://support.mozilla.org/en-US/kb/font-size-and-zoom-increase-size-of-web-pages#w_how-to-only-change-th...
by LazyNihilist
Thu Aug 13, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Inverse ETFs
Replies: 44
Views: 3591

Re: Inverse ETFs

If you feel the need to buy Inverse ETF's, please do it only with 'Play Money'.
by LazyNihilist
Mon Jul 27, 2015 9:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31621

Re: South Florida Local Chapter

Here are a couple of pictures from the meeting yesterday.
Please let me know (reply or PM me) if you don't want the picture here.

Image

Image
by LazyNihilist
Mon Jul 20, 2015 12:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2277
Views: 664856

Re: What Book Are You Currently Reading? Part VI

Fahrenheit 451 It was a pleasure to burn. Felt the themes addressed similar to 1984. The kindle version had lots of 'extra material' about the book. It felt like an abrupt ending when the book finished around 68% through and the rest was about the history of the book, reviews, movies and Ray Bradbur...

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