Search found 392 matches

by MindBogler
Wed Apr 05, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Deleting "Systemic" Files in Windows
Replies: 13
Views: 1297

Re: Deleting "Systemic" Files in Windows

Even if you could remove these programs, they aren't really removed. Windows uses something called the side-by-side folder where all of the binaries reside. And note, most common programs require some version of the .NET framework. The amount of space you're going to save even if you could remove th...
by MindBogler
Tue Mar 28, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4677

Re: Daughter maxed out credit cards, needs help from me

This is an adult daughter, the worst thing you can do IMHO is dictate any terms. You aren't going to be able to peer into her finances without breaching the lines of responsibility between yourselves and you shouldn't want to. If you still want to help, I would offer to pay some portion of this debt...
by MindBogler
Wed Mar 22, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: whole house water filter --your thoughts?
Replies: 26
Views: 1974

Re: whole house water filter --your thoughts?

Any opinion on getting say the three 20 in solid carbon blocks systems vs the backwashing catalytic granular carbon tank filters? Whatever experiences, advice, tips, warnings, recommendations etc you can share will be appreciated as I've never owned such a filter and am completely new to this. Than...
by MindBogler
Sat Mar 18, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Chart to Convince my parents to drop EJ
Replies: 4
Views: 397

Re: Chart to Convince my parents to drop EJ

You should be happy that your parents are investing in something other than FDIC insured accounts. They could be doing a lot worse. This might turn out OK if you convince them to change, but there is a non-zero chance that it could go very wrong. Why bother?
by MindBogler
Thu Mar 09, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5449

Re: Investing when market is peaking

How do you know the market is defying all logic? If you are scared to invest today, you'll be scared to invest tomorrow and the next as well. This is because you haven't thought out your asset allocation correctly to manage that risk that you are feeling in your stomach right now.
by MindBogler
Thu Mar 09, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Every 40-yr returns curve of the S&P500 since 1870 graphed
Replies: 40
Views: 4103

Re: Every 40-yr returns curve of the S&P500 since 1870 graphed

You're very likely to have a slightly smoother ride with 80/20 as opposed to 100/0, but the likelihood that bonds are going to outperform stocks over 40 years is virtually zero, based on historical performance. In the worst 40 year period of the S&P 500, going back to 1871, it had a real rate o...
by MindBogler
Tue Feb 14, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Are stock valuations so high because interest rates are so low?
Replies: 28
Views: 2360

Re: Are stock valuations so high because interest rates are so low?

One problem I see with CAPE is that it includes a significant outlier in the data set. The PE of the S&P 500 was over 100 during 2009. It was over 70 in January 2009 and that skews the average upwards. I think you have to look at CAPE and PE together. PE is fairly high right now, but not unprece...
by MindBogler
Thu Feb 09, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2827

Re: Worth it to get 300 Mbps internet?

Howdy y'all - I'm toying with the idea of getting the fastest available internet speed from the local cable provider -- "up to" 300 Mbps. Currently I'm getting up to 100 Mbps, for $55 a month. (I did a speed test last night and found that my actual download speed was 58 Mbps) The 300 Mbps...
by MindBogler
Fri Dec 09, 2016 8:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 99
Views: 9589

Re: Vanguard's new "account overview" page... BOO!

I assume they're doing this so it looks good on tablets and phones. These days there are quite a few people that access the internet this way. As time goes on people will use laptops and desktops less. The usual course is to design websites with different appearances on mobile than on desktop. Inde...
by MindBogler
Wed Dec 07, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: simulating wealth building effects of home ownership
Replies: 39
Views: 2831

Re: simulating wealth building effects of home ownership

KlangFool wrote:In those cases, do not kid yourself that the house is an investment. It is purely an expense.

So is your rent. All you gain by renting is mobility -- even that is dubious if you have to move 6 months into a 1 year lease.
by MindBogler
Sat Dec 03, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Re: Making the best of a terrible 401k

2 more posts Livesoft, go go!~
by MindBogler
Sat Dec 03, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Re: Making the best of a terrible 401k

I just noticed that the brochures for the plan are nearly 3 years old. There is an e-mail for the adviser on the brochure. I'll see if I can get some updated information. At any rate, I find the whole thing appalling. The advisor is probably related to the company owner either directly or by marria...
by MindBogler
Sat Dec 03, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Re: Making the best of a terrible 401k

Max out contributions if possible, allowing your spouse to accumulate his/her own retirement assets. Personally, I think that's important. Concur with jalbert that American Balanced Fund is a good choice. My spouse invests 100% in that although the R6 shares have a .29ER. As of now, my spouse and I...
by MindBogler
Sat Dec 03, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Re: Making the best of a terrible 401k

I just noticed that the brochures for the plan are nearly 3 years old. There is an e-mail for the adviser on the brochure. I'll see if I can get some updated information. At any rate, I find the whole thing appalling.
by MindBogler
Sat Dec 03, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Re: Making the best of a terrible 401k

Your contribute 6% to get the match plan looks OK to me if spouse expects to be with this employer for decades. But this is fairly unusual these days. If he/she is apt to be leaving in a few years, the assets can be moved before that extra 1% in the expense ratio has time to compound drastically. T...
by MindBogler
Sat Dec 03, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Re: Making the best of a terrible 401k

Those choices look outstanding compared to my spouse's earlier craptacular 401(k) plan. My advice is to max out the contributions and to select the lowest expense ratio RIDBX or perhaps RBFBX, but fund choice doesn't really matter as long as it fits in the family asset allocation plan. Then when th...
by MindBogler
Sat Dec 03, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 11623

Re: Amazon Prime Getting Stingy?

I notice that sometimes prime shipments start to be delayed. As in they still appear to ship in 2 days once tracking is received, but they take 1-2 days to actually ship. I suspect shenanigans on the back end, as in they ship the packages via cheaper freight to a destination and then use 2 day shipp...
by MindBogler
Sat Dec 03, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 848

Making the best of a terrible 401k

My spouse has what might be one of the worst possible 401k lineups I've ever seen. It does have a 5% match and a profit share that vests 20% per year up to 5 years. My thought is to invest 6% (to meet the match) and then fill out a Roth instead. My 401k is outstanding and already maxed at 18k/yr. Ou...
by MindBogler
Mon Nov 28, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 7829

Re: Why International Stocks

...US valuations now much higher and expected returns much lower.... Why is that necessarily the case? Can't it be that growth is expected to be higher in the US than international markets and then you would end up with the same returns after valuations revert to historical averages? It isn't neces...
by MindBogler
Thu Nov 24, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 7829

Re: Why International Stocks

I've shared my arbitrary portfolio in the past: 20% LT Treasury 20% LCG 20% SCV 20% EAFE 20% EM This starts at 50-50 domestic/intl split which is about right for market weight. I am not comfortable having all my stocks in the US. I get that I have gross tilts to SCV and EM but I accept that risk. I ...
by MindBogler
Wed Nov 23, 2016 1:24 pm
Forum: Investing - Theory, News & General
Topic: How often do you hit your rebalancing bands?
Replies: 31
Views: 2628

Re: How often do you hit your rebalancing bands?

Very infrequent typically. New contributions are typically directed to the lowest category which helps prevent hitting the the band on the low end. I've had them hit twice this year, and within 1 week, pre/post-election. That is not normal. It is not uncommon to go all year without hitting one -- or...
by MindBogler
Wed Nov 23, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 224
Views: 24635

Re: Retreat to cash

Hurry up and do nothing already. :twisted:
by MindBogler
Mon Nov 14, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 22167

Re: Why are bonds dropping? They are supposed to be safe.

Well, according to the "USA TODAY" - "Bond investors lost more than $1 trillion on global bonds as they braced for changes by President-elect Donald Trump, which could result in higher interest rates and more inflation". Inflation is good, inflation is bad, listening to pundits ...
by MindBogler
Sun Nov 13, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 67
Views: 7428

Re: which pickup truck

RAM will have the best ride among the full size trucks, and closest to a "family" truck. As a work truck, the Chevy will be your best bet. The F150 super crew is much more spacious, particularly in the back seat, than the RAM and it rides much better, it's not even comparable. The back se...
by MindBogler
Sun Nov 13, 2016 3:15 pm
Forum: Investing - Theory, News & General
Topic: Idea behind investing is NOT to get rich...
Replies: 51
Views: 9179

Re: Idea behind investing is NOT to get rich...

This was quite a thread resurrection, look at the original date! I don't necessarily agree. The idea behind *retirement* investing is to provide for oneself during that period. If one saves sufficiently during accumulation, it is entirely possible to have income in excess of pre-retirement liabiliti...
by MindBogler
Sun Nov 13, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Infrastructure investments
Replies: 14
Views: 1384

Re: Infrastructure investments

The total stimulus package was less than $1 trillion and the total infrastructure spending was only around $100 billion. The largest chunks of stimulus "spending" went to tax cuts and credits. As iceport noted, I don't think the ARRA experience tells us much looking forward to the next ro...
by MindBogler
Sat Nov 12, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Infrastructure investments
Replies: 14
Views: 1384

Re: Infrastructure investments

Republicans in Congress opposed spending more on infrastructure when it was proposed by President Obama. Whether that was a political position or based on a true concern about deficit spending, who can say. The point is that I wouldn't assume that campaign promises of $500 billion in new infrastruc...
by MindBogler
Sat Nov 12, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Valuation of Donated Items
Replies: 9
Views: 754

Re: Valuation of Donated Items

Personally, I don't take deductions for donated household goods. I think the perceived value is likely to be much higher than the actual value. It's an area easily and often abused, so if the donee doesn't value the goods, I don't either. Charitable deductions exist for a reason. If you choose not ...
by MindBogler
Sat Nov 12, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Valuation of Donated Items
Replies: 9
Views: 754

Re: Valuation of Donated Items

I have used itsdeductible for the past 8-10 years. No problems (yet?) with the IRS. Another vote for itsdeductible here. It integrates seamlessly into Turbotax online/offline. I've used it for the last 7-8 years, it's always reasonable and I've never been audited based on the valuations. We claim >...
by MindBogler
Fri Nov 11, 2016 8:00 pm
Forum: Investing - Theory, News & General
Topic: Today was an RBD ... [Really Bad Day]
Replies: 34
Views: 8625

Re: Today was an RBD ... [Really Bad Day]

My EM is at -3.57%. If this keeps up, I'll have to buy EM as well. It might be time to fund the Roth for the year...
by MindBogler
Thu Nov 10, 2016 10:44 am
Forum: Investing - Theory, News & General
Topic: Today was an RBD ... [Really Bad Day]
Replies: 34
Views: 8625

Re: Today was an RBD ... [Really Bad Day]

livesoft wrote:I think you will regret not rebalancing back.

I rebalanced back. Que sera sera!
by MindBogler
Wed Nov 09, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: Today was an RBD ... [Really Bad Day]
Replies: 34
Views: 8625

Re: Today was an RBD ... [Really Bad Day]

I rebalanced out of bonds into SCV about 3 days ago. The only thing bad today is now my bonds went from 0 -> -5% band and SCV is at +6%. I don't like making moves in quick succession and I can't say I've ever hit a band twice in 3 days, so I'll just wait it out for awhile. I think you will regret n...
by MindBogler
Wed Nov 09, 2016 9:55 pm
Forum: Investing - Theory, News & General
Topic: Today was an RBD ... [Really Bad Day]
Replies: 34
Views: 8625

Re: Today was an RBD ... [Really Bad Day]

I rebalanced out of bonds into SCV about 3 days ago. The only thing bad today is now my bonds went from 0 -> -5% band and SCV is at +6%. I don't like making moves in quick succession and I can't say I've ever hit a band twice in 3 days, so I'll just wait it out for awhile.
by MindBogler
Wed Nov 09, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: Bonds are getting crushed...
Replies: 42
Views: 9357

Re: Bonds are getting crushed...

You folks are going to lose your minds when we have a real market movement. What a great day to buy.

:moneybag
by MindBogler
Sun Nov 06, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 12243

Re: Slipping last few days- time to buy now or wait until after 11/8?

joebh wrote:I don't think I understand your point. Are you saying that widespread emotional behavior, volatility and profit taking don't move markets?

This is just the most recent excuse people have used to convince themselves that this time is different. Was that not clear?
by MindBogler
Sat Nov 05, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 12243

Re: Slipping last few days- time to buy now or wait until after 11/8?

cheese_breath wrote:Four years from now there will probably be another ridiculous thread just like this. :?

Of that, we can be certain!
:sharebeer
by MindBogler
Sat Nov 05, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 12243

Re: Slipping last few days- time to buy now or wait until after 11/8?

The hand wringing in this thread is nonsensical. Are memories so short that we've already forgotten Brexit? Election "uncertainty" is nothing more than an excuse for emotional behavior, volatility and profit taking. It doesn't matter who wins. Four years from now this thread will look ridi...
by MindBogler
Wed Nov 02, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10897

Re: How much home can/should one buy?

In order to say that, are you claiming that most people rent THE SAME HOUSE as what they buy? If not, my statement must be true. As per my observations, people buy MORE HOUSE than what they rent. KlangFool Excellent anecdote. I don't have access to data that suggests either way. Regardless, I do kn...
by MindBogler
Wed Nov 02, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10897

Re: How much home can/should one buy?

FYI, I believe Klangfool's suggestions are not representative of average boglehead opinion. I'd go a step further and say that Klangfool's opinion (stated as fact) that renting is cheaper than owning is dubious at best. Renters bear exactly the same cost as homeowners and in addition, they typicall...
by MindBogler
Wed Oct 12, 2016 6:22 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union - not so different from banks
Replies: 45
Views: 3420

Re: Navy Federal Credit Union - not so different from banks

This cited section appears to apply to non-banks - not FDIC insured banks. Disclaimer: I don't know if Willard's assertion regarding deposits is correct. I bank at a CU so I don't even want to investigate (the claim). However, upon a cursory glance of the Dodd-Frank Title II, it applies nebulously ...
by MindBogler
Wed Oct 12, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union - not so different from banks
Replies: 45
Views: 3420

Re: Credit Unions - not so different from banks

dm200 wrote:Since you refuse to cite provisions of law (allowable), I can only assume there are no such provisions (as you state and interpret).

There are so many things wrong with this logic, I don't even know where to begin. :confused
by MindBogler
Mon Aug 29, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 198
Views: 91707

Re: A time to EVALUATE your jitters

MindBogler wrote:This too shall pass.

2 months later... what happened again?
by MindBogler
Mon Aug 29, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 40
Views: 5497

Re: RBD fans, Dan Wiener has news! [Really Bad Day]

Lions, tigers and strawmen, oh my!
by MindBogler
Mon Aug 29, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Google Word Processing and Spreadsheet
Replies: 29
Views: 3446

Re: Google Word Processing and Spreadsheet

Personally I think its just a matter of time before MS Office is redundant if not gone. I think we see it everywhere as they were first in the game and had a monopoly on the market. Office online is now free for home use. I don't think Office is going anywhere but competition is a good thing, it ke...
by MindBogler
Fri Jul 08, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Annualized returns and growth of $10K
Replies: 13
Views: 1122

Re: Annualized returns and growth of $10K

https://www.bogleheads.org/wiki/Importa ... d_interest

Seemingly small differences in interest received yield large variance in outcomes due to exponential growth. This is coincidentally why expense ratios matter.
by MindBogler
Fri Jul 01, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: New Military Blended Retirement System starting in 2018
Replies: 36
Views: 5002

Re: New Military Blended Retirement System starting in 2018

I just spent too much time in a spreadsheet because I was curious. It is a flat 20% cut to the defined benefit. This will save the military money. The fact that many people will not put 5% of their salary in to get the match will save the military money. However, I don't think this is all bad for th...
by MindBogler
Fri Jul 01, 2016 7:39 am
Forum: Investing - Theory, News & General
Topic: Another argument against "price drop means stocks are on sale"
Replies: 101
Views: 6436

Re: Another argument against "price drop means stocks are on sale"

There is a less empirical argument that, if these minor movements give a person the illusion of control and prevent a major behavioral mistake, there is a benefit to the person who does it. We know from many prior posts, see Nisiprius, that most investors make less than the market return due to a co...
by MindBogler
Thu Jun 30, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: At what point do we market time?
Replies: 87
Views: 7015

Re: At what point do we market time?

We are currently at 26.11 PE10. If your numbers are correct (1900-1996)we are are over 2 standard deviations from the mean. That means statistically 98% of the time we should have a lower PE10. That doesn't sound so good. With that said, if the numbers were rerun from the 1990's the mean would be m...
by MindBogler
Thu Jun 30, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 27113

Re: Where were you financially when you were at 30?

Behind. I quit a good job in 2006 and went back to school to pursue a different career. I finished school but the career didn't pan out. It took almost 2 years to find work starting in 2010 and I depleted taxable savings to pay for school. I lost 6 years of tax deferred savings. Now I'm back to doin...

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