Search found 6412 matches

by Sidney
Tue Dec 06, 2016 9:50 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 111
Views: 14581

Re: A suggestion

This has come up several times before and been rejected by the forum owners.
by Sidney
Wed Nov 30, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Naive question about laptop repair
Replies: 13
Views: 1027

Re: Naive question about laptop repair

I thought you just bought a Thinkpad.
by Sidney
Mon Nov 28, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 187
Views: 14937

Re: Retreat to cash

itstoomuch wrote:What many responders didn't seem to understand is that; You don't care. You have enough retirement funds.

Which would suggest that the original post was a troll.
by Sidney
Sat Nov 26, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5894

Re: Black Friday - is this overdone?

The reality is that in many areas of the U.S., Walmart is often the only employer with openings . In a perfect model, potential employees would have choices, in this case, the other alternative is often public assistance. That's interesting. Walmart only opens stores in area where they are assured ...
by Sidney
Fri Nov 25, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5894

Re: Black Friday - is this overdone?

I wouldn't set foot in a store on Black Friday. It's obscene consumerism run amok. The opposite trend is Friday is Buy Nothing Day, often accompanied by donate coats or get a free coat events. I was sorry to see a post on facebook today that Black Friday had spread to the Scandinavian countries. Al...
by Sidney
Fri Nov 25, 2016 3:56 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2060

Re: "Bonds And The Good News About Rising Rates"

One piece of good news from higher interest rates is that it will help retirees and savers in general. I for one don't like needing a microscope to see the interest rates paid on my bank deposits. The very low interest rates helped the banks but penalized savers. Higher interest rates will also hel...
by Sidney
Fri Nov 25, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2060

Re: "Bonds And The Good News About Rising Rates"

So, in my particular case I am currently having bond fund dividends redirected to my checking account as income. Without reinvesting will I still eventually benefit from higher rate payouts? Yes, but not as quickly as you would if you reinvested dividends. The fund will purchase new bonds with high...
by Sidney
Mon Nov 21, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of retiring
Replies: 22
Views: 3258

Re: Thinking of retiring

How secure is the pension?
by Sidney
Mon Nov 21, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7693

Re: Do you track your net worth? How long have you done so?

Once per year, unless there is a major event, I send a balance sheet to our attorney to include in the files with our wills. I use the latest assessed value on the house and do a wet-finger estimate of personal property.
by Sidney
Wed Nov 16, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8057

Re: Cannot get myself to spend my savings

Having said that, for me, charitable giving has become a rewarding way to ease into spending. Turns out, the more I give the more I want to give. This is an excellent way to "loosen up" so to speak. On a smaller scale, but similar, tipping very well at restaurants is also a good way to ge...
by Sidney
Wed Nov 16, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Snail Mail Address / IRS / SS question
Replies: 8
Views: 767

Re: Snail Mail Address / IRS / SS question

I don't know for sure, but I doubt the IRS will notify SS of an address change. Communications between government agencies is not their strong suit. :D Based on some discussions I have had with an agent who is a neighbor of mine, some IRS communications to other agencies are restricted. They will n...
by Sidney
Wed Nov 16, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Tax credit question
Replies: 6
Views: 565

Re: Tax credit question

There is a form for this that will tell you the answer.
https://www.irs.gov/pub/irs-pdf/f5695.pdf
by Sidney
Mon Nov 14, 2016 6:47 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 75
Views: 9858

Re: Muni bonds are getting killed. Are you bailing out?

How much are they down? I remember a day in 1987 when stocks dropped 22%
by Sidney
Sun Nov 13, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: Non-passive investment vehicles
Replies: 3
Views: 326

Re: Non-passive investment vehicles

I have seen quite a few posts from people who have cashed out of a business ownership so I suspect that one of the more common examples outside of real estate is starting/buying a business. In anything like this it is important to allocated the income between labor and capital -- some of the income ...
by Sidney
Tue Nov 08, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5699

Re: Amazon Echo

Isn't anyone concerned about having something constantly listening to everything you say, all the time? That's enough to dissuade me from buying. I just don't want something that will be plotting with my toaster to assassinate me in the middle of the night. Tablet and computer are enough for me rig...
by Sidney
Mon Oct 31, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: 4G LTE tablet for Verizon prepaid
Replies: 10
Views: 698

Re: 4G LTE tablet for Verizon prepaid

jebmke wrote:Get the tablet you want without 4G and use phone as hotspot or get MIFI.

This is what I do. I have a Verizon MIFI which I can use for multiple devices.
by Sidney
Fri Oct 28, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5389

Re: Sued for General Advice?

DVMResident wrote:If you're giving advice to friends and family, chances are pretty low that you'll get sued.

More likely to lose a friend or estrange a family member.
by Sidney
Thu Oct 27, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3408

Re: How do you make your Martini?

quart of methanol. Three tablespoons of anti-freeze and six lug nuts.
by Sidney
Sun Oct 09, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Crossing the line (becoming a miser)
Replies: 71
Views: 9201

Re: Crossing the line (becoming a miser)

closetoreality wrote:What are some symptoms that would red flag someone as a miser?

Is it unhealthy or just a preference, and is it right or wrong?

What is a good way to avoid turning into a miser?

Start small. If you eat in restaurants, give larger than normal tips.
by Sidney
Sat Oct 08, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Creating Portfolio That Generates Income
Replies: 6
Views: 1085

Re: Creating Portfolio That Generates Income

fixed income is not a growth investment
by Sidney
Thu Oct 06, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Can You Rely on Dividends for Income?
Replies: 43
Views: 5492

Re: Can You Rely on Dividends for Income?

I'm a "bird in the hand" type of investor, because after the dividend is paid, it is my money, not the company's. There are other passionate, non-dividend investors that prefer the company use the money to expand the business, thinking that the price increase will occur due to a lack of d...
by Sidney
Thu Oct 06, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 2 Factor verification
Replies: 5
Views: 370

Re: Capital One 2 Factor verification

Interesting. What are the top key log detecting softwares? Does W10 have this built in?
by Sidney
Fri Sep 30, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement reality check
Replies: 36
Views: 7042

Re: Early retirement reality check

Seriously! Why? He has every right to spend his hard earned money any way he wants. Probably lives in a desireable HCOL. Insurance including health, home, auto, umbrella could be $25k alone at his level of wealth. Exactly. Except to the extent that he may not be directly or indirectly (through the ...
by Sidney
Thu Sep 29, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 21
Views: 3724

Re: Why are tax-exempt money market yields so high?

patrick wrote:It is truly a bizarre world we live in where a money market yield of 0.63% is considered high.

if you converted that to a pre-tax yield and subtract inflation you are probably within spitting distance of zero real yield on short term, fairly low risk paper. Doesn't seem strange to me.
by Sidney
Thu Sep 29, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4390

Re: Retirement based on not on #, but healthcare?

Many people wait until they are Medicare eligible to retire.
by Sidney
Tue Sep 27, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest VFWAX down 4.25%
Replies: 3
Views: 588

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: 86
Views: 5858

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: 4149

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: 2377

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: 4149

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: 4149

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: 31
Views: 2592

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: 703

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: 2350

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: 2684

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: 2684

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: 221

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: 694

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: 1331

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: 3672

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: 2684

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: 3343

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: 679

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: 99
Views: 8444

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: 11529

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: 99
Views: 8444

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: 850

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: 1455

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: 4168

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.

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