Search found 408 matches

by Wakefield1
Sat May 27, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: History: Tulip Fever
Replies: 13
Views: 1876

Re: History: Tulip Fever

Just an aside, but there is some research suggesting the tulip craze was not actually as crazy as the story is usually told. Here is a review of a couple such studies: http://www.economist.com/blogs/freeexchange/2013/10/economic-history Of course speculative bubbles do happen, but hindsight tends t...
by Wakefield1
Thu May 25, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 6668

Re: How dividends become irrelevant?

rbaldini wrote:I've created a monster.

:happy :happy :happy :happy :beer
by Wakefield1
Thu May 25, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 6668

Re: How dividends become irrelevant?

Earnings that occurred in the past? What if they are not sustained into the future? Do the past earnings help the value to the stockowner(over the duration that the stock was held) if no dividends were ever paid? As opposed to having owned a stock that paid considerable dividends over a holding per...
by Wakefield1
Thu May 25, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 6668

Re: How dividends become irrelevant?

Earnings that occurred in the past? What if they are not sustained into the future? Do the past earnings help the value to the stockowner(over the duration that the stock was held) if no dividends were ever paid? As opposed to having owned a stock that paid considerable dividends over a holding peri...
by Wakefield1
Tue May 23, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 5079

Re: Sell 2015 Subaru or Keep?

My vote is to keep it as long as it does what it is supposed to do. As others have said If a mistake was made in buying too expensive the mistake is mostly water under the bridge already. Try for at least 10 years and preferably 15 from a car. Another car would be at least as apt as this one to be a...
by Wakefield1
Sun May 21, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 4675

Re: Shocking car insurance quote

Allstate is known for its policy of " price optimization, a technique that penalizes loyal policyholders by charging them higher rates because their insurer believes they are unlikely to shop around for a better price ." I too was a long term Allstate customer jolted by how much more I wa...
by Wakefield1
Tue May 16, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: experiences with treating sulfur odor in well water?
Replies: 10
Views: 683

Re: experiences with treating sulfur odor in well water?

At a house where I was a guest there was a well,I don't think there was any kind of treatment of the water except perhaps for a pickup filter,the water had a sulfur smell when first drawn but upon sitting overnight and being chilled the smell seemed to have gone away (and the water tasted better tha...
by Wakefield1
Mon May 15, 2017 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4588

Re: Doctor wants Social Security number

As someone on Medicare I have to provide medical offices, labs, etc with my Medicare information so they can submit the bill. My Medicare information includes my SSN with a trailing letter. Am I missing something or am I just older than most posting here? My new Medicare card just came a few days a...
by Wakefield1
Mon May 15, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6433

Re: The recent WannaCry ransomware

Re the advice to "Backup your systems," pay special attention to "Make sure you have offline backups." This ransomware encrypts data on all accessible drives on your network . If you leave a backup drive connected then that data will be compromised as well. And of course "T...
by Wakefield1
Mon May 15, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6433

Re: The recent WannaCry ransomware

Perhaps I have not understood the news articles about the ransomware or the articles don't agree as to the basic facts. One article said that the WannaCry was not coming via bad e-mail attachments or links,another didn't mention encrypted files but claimed that the computers were "locked" ...
by Wakefield1
Sun May 14, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6433

Re: The recent WannaCry ransomware

I suspect the worm behavior could get into unpatched systems from the Internet eventually. Possibly vendors" firewall programs might stop the worm if the AV vendor gets updates to the firewall in time? Also the firewall might interfere with the cryptocrimeware stage of the attack if it can bloc...
by Wakefield1
Sun May 14, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 6951

Re: American Funds beat out Vanguard Index over lifetime?

OK OK-I suppose someone needs to look to see if any Vanguard managed funds have beaten the "Index" over "lifetime" or some other time? :idea:
by Wakefield1
Sun May 14, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6433

Re: The recent WannaCry ransomware

The entire phenomenon that computers can be remotely commanded to encrypt their hard drive data files by a key which is stored in the commanding (attacker's) computer or server--is that strictly a Windows problem?
by Wakefield1
Fri May 12, 2017 12:21 am
Forum: Investing - Theory, News & General
Topic: Motley Fool - Million Dollar Portfolio
Replies: 8
Views: 2061

Re: Motley Fool - Million Dollar Portfolio

When I hear of Motley Fool I think about the optimism of the mid and late 1990's-also Beardstown Ladies It seems like everyone was interested in stock investing and everyone was "making money". Also the AAII was popular among some people that I encountered at work- seems to me that there w...
by Wakefield1
Wed May 10, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Performance chasing... vs staying the course
Replies: 9
Views: 787

Re: Performance chasing... vs staying the course

Is it possible to look up performance data from the late 1990's through the early 2000's for such growth and tech heavy funds as were offered by Putnam at that time?
In retrospect glad I wasn't in those things-
by Wakefield1
Wed May 10, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Bicycling Delaware Maryland Pennsylvania
Replies: 13
Views: 781

Re: Bicycling Delaware Maryland Pennsylvania

In the Allentown/Bethlehem area there used to be bicycling enthusiasts one of whom was Len Vreeland,I think he started a bicycle club which might still be active (and I think he had a "velodrome" for bicycles built-he might have tried for the record for bicycling from the West to the East ...
by Wakefield1
Wed May 10, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum Gain,swinging for the fences
Replies: 65
Views: 4562

Re: Maximum Gain,swinging for the fences

If your goal was to maximize potential gains :oops: with new investment dollars (without regard for loss) between today and 1/1/2021 what would you do with the :moneybag :moneybag :moneybag? 1) Invest 100% in Total Market 2) Invest 100% in Small Cap Value 3) Invest 100% in Emerging Markets 4) Inves...
by Wakefield1
Wed May 10, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 2124

Re: 18" vs 20" Tires

Wow! according to the Car and Driver article the radical bananaskins didn't really help performance,which I thought was the only justification for the things. So I thought I was prejudiced,but the facts justify even more rejection of the fad. I thought they would help performance on a controlled rac...
by Wakefield1
Tue May 09, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 2124

Re: 18" vs 20" Tires

On a vehicle that will ever go off road the rubber band tires that barely cover the rims-extreme low profile-are like putting 15 mm. tires on a mountain bike. Fad like the giant tailfins on the late 1950's cars? There is an improvement in handling on road when you go to,say,from 100 profile (old 194...
by Wakefield1
Tue May 09, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Too much Money?
Replies: 40
Views: 7152

Re: Too much Money?

retiredjg wrote:I can't think of any reason to put money into taxable instead of Roth IRA.

I loved putting as much into my Roth IRA as I could. #1 piggy bank to feed!
by Wakefield1
Tue May 09, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3193

Re: First 100 mile bike ride

If I was passing a mountain bike going up Yellow Bus Hill on the Groundhog Fall 50 course it meant that if the rider dismounted he was more apt to keep up with me (on foot) (Is an artificially enhanced hill made up with some material derived from strip mining activity in the past (Near Indiana PA ?)...
by Wakefield1
Tue May 09, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3193

Re: First 100 mile bike ride

If people are jumping up from the saddle trying to make it up the hill does it mean that the bike is too small or not fitted right? Not enough gearing or too heavy? (Unless some kind of short unbelievable grade like 35%-which would call for dismounting and walking! A thought-super skinny tires need ...
by Wakefield1
Sun May 07, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3193

Re: First 100 mile bike ride

I think I can reveal a training "secret" from a runner who just finished a 100 mile "MMT" last night under 24 hours age now over 40-he used a track style bike rear end without freewheeling during some of his cross training-the pedals always go 'round when the rear wheel goes-hold...
by Wakefield1
Sun May 07, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3193

Re: First 100 mile bike ride

My number one tip- Have your bike fitted! :happy At least use a bike you are familiar with and have satisfied yourself that it's comfortable as to the measurements of such things as handlebar/stem height and width. Seatpost height? Don't want to stretch to reach the pedals but don't want to be cram...
by Wakefield1
Sat May 06, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 984

Re: Need help with tree

I like Bernd Heinrich's "The Trees in my Forest" also he has written a book about running:I think he was forced to change the name of it from "Chasing the Antelope" because some jazz music troupe called themselves that to "Why We Run" he in the past once held the Americ...
by Wakefield1
Sat May 06, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 984

Re: Need help with tree

Shumard oak should deal with the Texas heat better than the (true) red oak which is more at home in Pennsylvania. I guess the Lady Bird oak is cabled. Many people call them all "red" oak even though they are different. "Southern Red" oak is much different. Tiny acorns unlike the ...
by Wakefield1
Sat May 06, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: Financial Literacy
Replies: 27
Views: 2234

Re: Financial Literacy

There is one question which does not have a clear right answer: is it more useful for your retirement security to save an extra 3% of income in the five years before retirement, or defer Social Security by two years? It depends on the numbers. Say that your salary at ages 61-65 is $80K, and your So...
by Wakefield1
Sat May 06, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 984

Re: Need help with tree

If you feel sorry for the poor thing to the point of keeping it then at least don't allow a large double trunk tree to develop,double trunk trees have a tendency to split at the crotch (some people have them cabled together) then once split,each trunk is off balance and the split will increase until...
by Wakefield1
Sat May 06, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Why should this chart not scare me from investing?
Replies: 20
Views: 1527

Re: Why should this chart not scare me from investing?

backpacker wrote:
star9 wrote:Please tell me why this chart shouldn't scare me away from the stock market.


Image

Should scare you TOWARDS the stock market?
by Wakefield1
Sat May 06, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3549

Re: Vexing electrical problem in the house

I wonder,shouldn't the hot wire or leg shorted to the metal breaker box have caused something to trip (instead of giving shocks) if the box is properly grounded? If the box could be giving a shock from that it would seem that something else is wrong/missing ground connection?
by Wakefield1
Sat May 06, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Thinks This Finance Legend (Bogle)Has Put Billions in the Pockets of America's Investors
Replies: 5
Views: 1077

Re: Warren Buffett Thinks This Finance Legend (Bogle)Has Put Billions in the Pockets of America's Investors

Besides having brought down expenses charged to mutual fund investors at Vanguard,Mr. Bogle has probably also forced the mutual fund industry in general to cut prices. He has called out some bad things in his "Clash of the Cultures" book about some industry players too. Might have served t...
by Wakefield1
Fri May 05, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18194

Re: Why save so much for when you're old?

How about "why save so much so that you can fully enjoy your early middle age years" or be "independent" as early in life as possible
by Wakefield1
Fri May 05, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18194

Re: Why save so much for when you're old?

Perhaps the concept of "saving for retirement" is overdone Saving and investing for added current (at least while still working) income so as to develop a higher ability to travel or do other things for enjoyment before "retirement"? There was a thread about "Are we all forg...
by Wakefield1
Thu May 04, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3549

Re: Vexing electrical problem in the house

I seem to remember something about prospective electricians being taught to never interrupt the neutral and never install a switch to interrupt the neutral. In other words not having the neutral connected properly and solidly is very dangerous! Getting shocked by touching the outside of a receptacle...
by Wakefield1
Thu May 04, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: ICMA [International City/County Management Association]
Replies: 10
Views: 620

Re: ICMA [International City/County Management Association]

For what it is worth,Arlington County moved their plans such as 457 and 401 from ICMA to what is now VOYA (was ING for a while) ,I believe over 10 years ago,I remember lower costs were cited as the reason
by Wakefield1
Thu May 04, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3549

Re: Vexing electrical problem in the house

I called PG and E and told them about the sparking on the electrical panel. They are treating it as a potentially hazardous situation and sending someone over to have a look today/within the hour. Meanwhile, I got an electric shock when I touched one of the non-problematic outlets. What I had done ...
by Wakefield1
Thu May 04, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Myopic Loss Aversion
Replies: 14
Views: 1414

Re: Myopic Loss Aversion

Avoid 20% loss 30 years ago and avoid + >100% gain (total return) as of now?
by Wakefield1
Thu May 04, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: No SIPC coverage for Vanguard funds, and a Fidelity sweep account question
Replies: 19
Views: 1301

Re: No SIPC coverage for Vanguard funds, and a Fidelity sweep account question

It seems to have been suggested that Vanguard might eventually convert everything to the Brokerage platform,is that right? "Upgrading" looks kind of intimidating and I understand that the "Invest by Mail" slips wouldn't be any good any more I already have a Vanguard Brokerage Acc...
by Wakefield1
Thu May 04, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3549

Re: Vexing electrical problem in the house

The house is 55+ years old. Electrician 1 did not replace the front panel that had markings of which breaker to which part of the house. Electrician 2 went to replace it and there were a few sparks as soon as the plate hit some corner. He put it down saying "no wonder Electrician 1 didnt repla...
by Wakefield1
Wed May 03, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14530

Re: Retirement income for 50+ years?

11 million dollars? Well, you might as well just put it all in an Ally or PenFed or CapitalOne cash account and have a good life. That's about $110,000 in interest a year. I'm looking for $300k/yr after-tax, though I can be flexible on that amount to maintain financial independence. $110k/yr pre-ta...
by Wakefield1
Tue May 02, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA as a savings account?
Replies: 32
Views: 3028

Re: Using Roth IRA as a savings account?

There was an entry into the Blog on Vanguard's website that appeared to suggest using the Roth as a sort of savings resource for such short term expenditures as a house downpayment. Psychologically to me that is very unappealing,I think of my Roth as the last cookie jar I would reach for. The title ...
by Wakefield1
Tue May 02, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17964

Re: Where to Live on $60K or Less a Year?

Saltville Va
Ona WV
Ashboro NC
Lynchburg VA suburbs?
Kings Crossing VA
by Wakefield1
Mon May 01, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: So what's the theory behind this active vs Passive report
Replies: 15
Views: 1349

Re: So what's the theory behind this active vs Passive report

Could the newer passive investors pouring money into the market as of recently and now have more tendency to panic and jump out than the people who were into some of the early Vanguard funds such as Index Trust back when Vanguard was smaller? This is my theory also. As to this report, it may be tru...
by Wakefield1
Mon May 01, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 9682

Re: Are we all forgetting our taxable accounts?

I seem to remember that the "tax deferred" or "tax advantaged" "space" concept was sort of a novelty some years ago when I first heard of a newly publicized "Deferred Compensation" account available to my employment group. The Roth IRA sounded really good to m...
by Wakefield1
Sat Apr 29, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: So what's the theory behind this active vs Passive report
Replies: 15
Views: 1349

Re: So what's the theory behind this active vs Passive report

Could the newer passive investors pouring money into the market as of recently and now have more tendency to panic and jump out than the people who were into some of the early Vanguard funds such as Index Trust back when Vanguard was smaller?
by Wakefield1
Sat Apr 29, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: So what's the theory behind this active vs Passive report
Replies: 15
Views: 1349

Re: So what's the theory behind this active vs Passive report

So the assertion that active,even if it trails indexing during up market conditions,provides significant downside protection compared to indexing or "passive" is made again? I think Mr. Bogle addressed this in one of his books or in a presentation. Also need to control for different invest...
by Wakefield1
Thu Apr 27, 2017 11:51 pm
Forum: Investing - Theory, News & General
Topic: Benefits and methods for Gradual Rebalancing
Replies: 57
Views: 4011

Re: Benefits and methods for Gradual Rebalancing

If you are overweight in some parts of your holdings-all dividend reinvestment in those holdings to be stopped and the dividends diverted into (re)investment into the holdings you think are underweight
by Wakefield1
Wed Apr 26, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Have anyone thought ER/fees comes from gains but not total balance?
Replies: 9
Views: 871

Re: Have anyone thought ER/fees comes from gains but not total balance?

Aren't Mutual Fund ERs and fees closely defined by law (in the USA)?
what people don't seem to realize (and Mr. Bogle emphasized) is that that little extra 1% or so keeps hitting you every year again and again so it is really a big deal
by Wakefield1
Wed Apr 26, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Retired, but postponing Social Security.
Replies: 17
Views: 1510

Re: Retired, but postponing Social Security.

Look at the part of the Social Security Statement page 2 where it says "We based your benefit estimates on these facts:" then look at "Your estimated taxable earnings per year after 2017..............None" if the statement has something other than "None" they probably c...
by Wakefield1
Wed Apr 26, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 46794

Re: Banned from Home Depot Returns

Home Depot use to be the Bank of Home Depot when you could return any item without a receipt and get CASH. They have tightened up the return policy and it could be that because the purchase was used using a credit from a points card that that is the problem. The only return possible is to either re...

Go to advanced search