Search found 811 matches

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: 824

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: 6198

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: 7000

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: 2066

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: 991

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: 5538

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: 2219

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: 3157

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: 3411

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: 1111

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: 5290

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: 3886

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: 2147

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: 192
Views: 29495

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: 8374

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: 2042

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: 673

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: 3249

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: 4045

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: 4045

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: 3148

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: 7728

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: 2480

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: 2723

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: 840

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: 5190

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: 3563

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: 1241

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: 1241

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: 3484

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: 192
Views: 29495

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: 2070
Views: 558346

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...
by LazyNihilist
Thu Jun 18, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 22
Views: 3030

Re: Vanguard website down

If Vanguard was hacked, could our assets in Vanguard be stolen?
by LazyNihilist
Thu Jun 11, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Funds
Replies: 32
Views: 5087

Re: Vanguard Target Funds

If Vanguard Target Date (and Life Strategy) Funds had an option of using Admiral shares and have ETF's that would be perfect.
by LazyNihilist
Fri Jun 05, 2015 11:07 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 17362

Re: Stanley Kubrick's 2001 a space odyssey

Here's a video from SpaceX that fans of 2001 might enjoy. https://www.youtube.com/watch?v=4_sLTe6-7SE
by LazyNihilist
Fri Jun 05, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Customer Reviews
Replies: 6
Views: 1438

Re: Amazon Customer Reviews

I always read the customer reviews whenever I buy through Amazon. I give more credence to 3 & 4 star reviews than 1, 2 or 5 star reviews; they seem to be more balanced and fair. I was looking at the reviews of a particular book and found only three customers had reviewed the book. All three wer...
by LazyNihilist
Wed Jun 03, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 40532

Re: much ado about coasting (through life)

Nothing matters. So, do whatever makes you happy. :happy
by LazyNihilist
Fri May 15, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: PDF file locking up computer
Replies: 20
Views: 2606

Re: PDF file locking up computer

Sumatra PDF Reader is a light weight free and open source PDF reader software for Windows.
I prefer this to Adobe Acrobat, which is buggy and has a very huge footprint.
by LazyNihilist
Wed Apr 29, 2015 12:29 pm
Forum: Investing - Theory, News & General
Topic: XIRR of NASDAQ over the last 15 years
Replies: 20
Views: 2484

Re: XIRR of NASDAQ over the last 15 years

I should have explained the chart columns: The seven columns are 1) date of purchase, 2) value of NASDAQ index, 3) investment amount, 4) number "shares of the NASDAQ" purchased, 5) cumulative number of shares purchased, 6) value of investment, 7) cumulative investment amount You can see t...
by LazyNihilist
Tue Apr 28, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: XIRR of NASDAQ over the last 15 years
Replies: 20
Views: 2484

Re: XIRR of NASDAQ over the last 15 years

I should have explained the chart columns: The seven columns are 1) date of purchase, 2) value of NASDAQ index, 3) investment amount, 4) number "shares of the NASDAQ" purchased, 5) cumulative number of shares purchased, 6) value of investment, 7) cumulative investment amount You can see t...
by LazyNihilist
Mon Apr 27, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle at The Aspen Institute
Replies: 3
Views: 859

Re: Jack Bogle at The Aspen Institute

As always, Jack Bogle keeping it simple.
by LazyNihilist
Mon Apr 27, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 7896

Re: Another reason NOT to use (free) Wifi

If someone see's that you are at a mall, you don't care. If someone see's that you are at a post office, you don't care. If someone see's that you are at a movie theater, you don't care. Now if all these 3 persons work for the same parent company (or if they sell this information to doubleclick or s...
by LazyNihilist
Mon Apr 27, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 435
Views: 181762

Re: TV show recommendations?

jay22 wrote:Watching The Wire again these days.

Unarguably the greatest TV series ever to be produced. Top class stuff.


Most def.

One thing about The Wire actors compared to other TV shows is there few 'beautiful models' in The Wire. Only Dominic West and Idris Elba that I can think of.
by LazyNihilist
Sun Apr 26, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Nutribullet or Ninja extractor?
Replies: 20
Views: 2695

Re: Nutribullet or Ninja extractor?

Also, check Breville Hemisphere blender. I'm pretty happy with it. http://www.amazon.com/gp/product/B00DS47D5A
by LazyNihilist
Thu Apr 23, 2015 12:44 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 5127

Re: A Great List of Useless Financial Porn Phrases

livesoft wrote:We turn your money and our experience into our money and your experience.

Brilliant.
by LazyNihilist
Fri Apr 17, 2015 8:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 8725

Re: Favorite Boglehead Avatar?

CABob wrote:LazyNihilist -
So what is your avatar? Is that the unicorn you almost saw one time? :P


Almost almost, the Invisible Pink Unicorn works in mysterious ways :wink: :wink:
by LazyNihilist
Fri Apr 17, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 9027

Re: Porter Stansberry advising going to 100% cash - Help!

The scare mongering and predictions for a 50% drop in 2014 didn't pan out. Obviously. They are now back with a new round of similarly dire predictions for 70% drop by Oct 11, 2015 (strangely specific). Apparently fear sells, and the fact that they simply change the prediction to six months in the f...

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