Search found 6387 matches

by Sidney
Tue Sep 27, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest VFWAX down 4.25%
Replies: 2
Views: 283

Re: Tax Loss Harvest VFWAX down 4.25%

Most of us don't know what VFWAX is.

In general, I harvest losses whenever I have them in my taxable account.
by Sidney
Thu Sep 22, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4597

Re: Yahoo says hackers stole info in 500 million user accounts

Would love to know if they disclosed this to Verizon when they did their due diligence on the acquisition.
by Sidney
Sun Sep 11, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3830

Re: map frustration

If a poster asked how heavy a brick he/she should duct-tape to his accelerator pedal because he couldn't quite reach it, a few responders might say "four pounds" or "definitely five pounds!" But the best answers might be "there are better ways to solve this simple problem.&...
by Sidney
Fri Sep 09, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Everything down today - except Junk!
Replies: 17
Views: 2275

Re: Everything down today - except Junk!

according to the VG site, VWEAX was down .34% today
by Sidney
Fri Sep 09, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3830

Re: map frustration

mouses wrote:Sidney, it's not like I'm driving along with a map in front of my face.

I wasn't trying to convince you not to use maps. I was responding to someone else who questioned how it was possible to use a phone or GPS for directions.
by Sidney
Fri Sep 09, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3830

Re: map frustration

I can't imagine trying to follow directions on a phone while driving. You don't look at the phone. The system tells you in advance what turns or other actions ("keep to the left", "merge onto the freeway") well in advance and then right before. There is no need to look at a phon...
by Sidney
Tue Sep 06, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 19
Views: 1063

Re: pro's and con's of closing/reopening amazon.com account?

My university has been able to track me to the ends of the earth. If they can do it, it should be child's play for Amazon.
by Sidney
Mon Sep 05, 2016 1:24 pm
Forum: Investing - Theory, News & General
Topic: Am I understanding dividend terminology correctly?
Replies: 5
Views: 652

Re: Am I understanding dividend terminology correctly?

My understanding of distribution yield is that it is what the fund just paid. So it is a backward looking number - therefore, for me, useless. SEC Yield is the equivalent of YTM on bonds. Forward looking. Useful for comparison to other instruments. I'm sure someone will chime in and shed more light ...
by Sidney
Sun Sep 04, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Drowned IPhone
Replies: 28
Views: 2194

Re: Drowned IPhone

mouses wrote:This is why I am careful about using meds that need to be shaken. When you shake it in the bathroom, it is easy for it to go flying into the toilet for some reason.

keep the lid down; worst case the container bounces around the room a bit.
by Sidney
Fri Sep 02, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Anniversary Update is an improvement for me
Replies: 34
Views: 2496

Re: Windows 10 Anniversary Update is an improvement for me

I am concerned since my upgrade from windows 7 is not activated, which should have been done with a digital entitlement. I refuse to buy a windows 10 key since this was supposed to be a free upgrade. Will it stop working at some point? My understanding is that the only way to ensure that the upgrad...
by Sidney
Fri Sep 02, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Anniversary Update is an improvement for me
Replies: 34
Views: 2496

Re: Windows 10 Anniversary Update is an improvement for me

My system just received another large update a few days after the anniversary update. I assume they felt the need to push through a bunch of fixes -- this isn't a patch Tuesday timetable.
by Sidney
Wed Aug 31, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Yearly Limit
Replies: 1
Views: 204

Re: HSA Yearly Limit

earnings inside the HSA do not count as contributions.
by Sidney
Wed Aug 31, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a taxable account to take "shots" in the market?
Replies: 12
Views: 635

Re: Opening a taxable account to take "shots" in the market?

livesoft wrote:No point in doing this in my opinion. The harm is that one can lose lots of money doing this.

or the amount is so small that it isn't going to move the needle so again, no point.
by Sidney
Wed Aug 31, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Do you follow a VWR formula?
Replies: 13
Views: 1249

Re: Do you follow a VWR formula?

I think all these formulas are great for creating a plan but useless when it comes to actually retiring. We are not robots who spend a specific percentage every year because that is what some formula says. I agree. Very situation dependent. We actually spent more in 2008-10. It was a good time to g...
by Sidney
Wed Aug 31, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: How to give unsolicited advice
Replies: 54
Views: 3415

Re: How to give unsolicited advice

I never give advice on finances -- even if someone asks for it. Not even family members. Absolutely little upside and a lot of downside.
by Sidney
Tue Aug 30, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Windows 10 Anniversary Update is an improvement for me
Replies: 34
Views: 2496

Re: Windows 10 Anniversary Update is an improvement for me

testing321 wrote:I'm waiting for the dust to settle. I figure a lot of problems can be avoided by procrastinating.

I have found that most of the time -- and I am not just talking about software updates -- the right answer is to do nothing.
by Sidney
Sat Aug 27, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count your emergency fund?
Replies: 45
Views: 3169

Re: Do you count your emergency fund?

For those of you who refer to "Net Worth" vs. "Retirement" . Is there any purpose of the Net Worth calculation other than for estate purposes? I send a balance sheet to my lawyer once a year so he has a recent listing for executing a will but other than that, I don't see why I ca...
by Sidney
Fri Aug 19, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Unlimited Data Plans
Replies: 5
Views: 647

Re: Unlimited Data Plans

I seem to recall that some of the "unlimited" plans throttle back the speed after you reach a certain data consumption point. That might affect what you can practically do with the data plan after that point.
by Sidney
Fri Aug 19, 2016 8:50 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 6497

Re: Improving the Bogleheads forum

livesoft wrote:Here's one: Every time Warren Buffett's name is spelled wrong, the forum software could automatically correct it. :)

or at a minimum, tell us when, where and what food is being served.
by Sidney
Wed Aug 17, 2016 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 10779

Re: Anyone else getting nervous and converting to cash as a short-term move?

When I retired 9 years ago I set my allocation such that I wouldn't get nervous.
by Sidney
Mon Aug 15, 2016 4:56 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 6497

Re: Improving the Bogleheads forum

bo105954027 wrote:Please add "Thumb up" or "Like" button in replies so that people can easily find out the most helpful answers in each topic.

I think this has come up multiple times and been rejected.
by Sidney
Wed Aug 03, 2016 9:46 am
Forum: Investing - Help with Personal Investments
Topic: No use for managed bond fund I assume?
Replies: 9
Views: 803

Re: No use for managed bond fund I assume?

All my bond funds are managed. VG Tax exempt and Investment Grade funds.
by Sidney
Sun Jul 31, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: Does anyone else create "mirror" accounts?
Replies: 9
Views: 1418

Re: Does anyone else create "mirror" accounts?

The problem with benchmarking yourself against yourself is that you need to do it for a long time. I am about half-way through my investing horizon and I am already 30 years invested. A 25-30 year run would be a reasonable start at a comparison but by then you have potentially blown half your invest...
by Sidney
Sat Jul 30, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

NYT cautionary tale on the cloud

http://www.nytimes.com/2016/07/30/opini ... inion&_r=0

I think one takeaway is to make sure that the cloud copy is not your only copy - at least for anything important.
by Sidney
Thu Jul 28, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA as primary account
Replies: 12
Views: 545

Re: Rollover IRA as primary account

I may not have this all correct but if you ever want to roll the rollover IRA back into an employer plan (e.g. 401(k)), you would need to keep the rollover IRA account separate.
by Sidney
Mon Jul 18, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: cannot wrestle IRA from custodian. Help?
Replies: 33
Views: 2844

Re: cannot wrestle IRA from custodian. Help?

I would be inclined to send them a certified letter requesting that they expedite the transfer or you will report them to the Department of Labor.
by Sidney
Mon Jul 18, 2016 9:00 am
Forum: Investing - Help with Personal Investments
Topic: IRA Wellesley only
Replies: 14
Views: 1664

Re: IRA Wellesley only

Since we don't know what your total portfolio looks like, we really can't say anything helpful.
by Sidney
Sun Jul 17, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about a market bubble – looking for safer funds
Replies: 16
Views: 1712

Re: Concerned about a market bubble – looking for safer funds

dcopley652 wrote: rumor is interest rates will likely rise in December.

yes, I have been hearing that rumor for a few years now.
by Sidney
Thu Jul 14, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 4707

Re: Passwords

brak wrote:Can people please define what "good security practices' on a computer involve? Thanks.

If you are referring to more broadly than passwords, I'd suggest starting a separate thread.
by Sidney
Thu Jul 14, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Going into the market in a big way NOW?
Replies: 14
Views: 1955

Re: Going into the market in a big way NOW?

I would be inclined to either go all in or average in over a fairly short time (mainly for psychological reasons - I don't think there is any evidence that averaging is better than lumping). But, to paraphrase some posts by livesoft in other threads, be prepared mentally to lose money. Design your h...
by Sidney
Mon Jul 11, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Lock down Roth IRA [withdrawals by] Young Adult?
Replies: 13
Views: 1157

Re: Lock down Roth IRA [withdrawals by] Young Adult?

I really was anxious to open the Roths sooner for the obvious tax reasons & compounding tax free, but if the whole thing could be in jeopardy, it's probably best to invest it in separate accounts to keep it safe. Would they likely be investing this in equity (presumably for their retirement man...
by Sidney
Fri Jul 08, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9714

Re: How many of you have cut cord?

westie wrote:Reading this thread it appears to me many people are cutting one "cord" and creating new "cords" with multiple subscriptions and end up with very limited access to TV entertainment.

sort of like paying for smoking cessation drugs
by Sidney
Wed Jul 06, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Strange Printer Problem
Replies: 7
Views: 522

Re: Strange Printer Problem

Entirely deleting and adding back in, the printer seems to have done the trick. I learned that this printer - Canon MF3010, has been discontinued, so I wonder how much longer I might have until the Mac can no longer communicate with it...since Canon won't be issuing any software updates for it. Tha...
by Sidney
Wed Jul 06, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: 2.05% Five year CD looking very tempting with FDIC
Replies: 3
Views: 925

Re: 2.05% Five year CD looking very tempting with FDIC

Low inflation, flight to safety. Is the CD callable?
by Sidney
Sat Jul 02, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6760

Re: Living off dividends/interest in retiremeht

Let me explain: currently I have a portfolio that has two buckets, a short term one, composed of a 4 year ladder of bonds (TIPS) yielding almost nothing, and a second bucket that has intermediate term bond funds and a global stock fund that it replenishes the ladder as it gets depleted. If I decide...
by Sidney
Thu Jun 30, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3456

Re: Tipping Ettiquet Question.

Not to get off topic (though the topic is tipping etiquette), I often get confused on tipping when getting comped stuff. Particularly stuff I didn't order or necessarily want (appetizers, desserts, etc.) Sometimes I think I am tipping so much that I would be better off not getting free things! If I...
by Sidney
Thu Jun 30, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: Expenses for Retirees 5+ years
Replies: 9
Views: 1585

Re: Expenses for Retirees 5+ years

Retired in early 2008. Because the recession created good deals on remodeling contractors we increased our overall spending significantly in 2008-10 on some major remodeling/renovation projects that had been on our radar. Those are over now. Since then, probably the largest increase has been charita...
by Sidney
Tue Jun 28, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Any experts to explain periodontal maintenance?
Replies: 6
Views: 753

Re: Any experts to explain periodontal maintenance?

Just curious, after 20 years of paying the difference, you haven't asked the dentist?
by Sidney
Sat Jun 25, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11885

Re: What did you learn from the post-Brexit bloodbath?

Bonds do the job they are supposed to do in my portfolio.
by Sidney
Fri Jun 24, 2016 7:34 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10755

Re: International stocks in free fall

This is a time to closely monitor unrealized gains and losses. Tax loss harvesting opportunities pop at times like this. Don't miss them.
by Sidney
Thu Jun 23, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16946

Re: Actionable advice in a Brexit scenario

The day has arrived ... and I have done and will continue to do nothing different than the day before. Actually, things look pretty good thus far... :) :beerCheers, packet Mrs. Doc "invested" in Euros and Pounds yesterday. Total investment approx $450 US. :D (If she was going to buy today...
by Sidney
Tue Jun 21, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to start direct bond investing.
Replies: 22
Views: 1604

Re: Wanting to start direct bond investing.

peterinjapan wrote: bond funds seem scary and go up and down for reasons I can't begin to fathom,

Whatever causes bond funds to go up and down will also cause individual bonds to go up and down. There is nothing magical about funds - they are just collections of individual bonds.
by Sidney
Sun Jun 19, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 339

Re: How to go about using a grandmother gift for down payment?

The example is for the person who makes the gift. Gift taxes do not affect the recipient.
by Sidney
Sun Jun 19, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 339

Re: How to go about using a grandmother gift for down payment?

There would normally not be tax implications for you.
by Sidney
Sun Jun 19, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 17292

Re: What's the ideal safe retirement net worth target?

Impromptu wrote:My molecules survived and/or were formed by a supernova. I think I can handle a little heat.

As long as it is a dry heat.
by Sidney
Sun Jun 19, 2016 9:19 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 42
Views: 3972

Re: New Board Index Topic - Retirement Planning

I don't even look at which forum a posting is in. I pretty much go by the subject.
by Sidney
Sat Jun 18, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 818

Re: Bill Pay to charitable organizations

Bank statements are accepted by the IRS (based on a couple of my own audits.) In recent years,a bank statement (or credit card statement) would only suffice for donations under $250. Any donation of $250 or more requires a contemporaneous letter from the charity with the "No goods or services ...
by Sidney
Sat Jun 18, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 818

Re: Bill Pay to charitable organizations

Bank statements are accepted by the IRS (based on a couple of my own audits.)
by Sidney
Sat Jun 18, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 818

Re: Bill Pay to charitable organizations

sport wrote:Most charities will send a thank you letter, but that is not reliable.

Aren't they required too (except for small amounts)?
by Sidney
Sat Jun 18, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using 60 day rollover as cash buffer while buying a house
Replies: 24
Views: 2298

Re: Using 60 day rollover as cash buffer while buying a house

Why not leave it there until you need it?

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