Search found 5550 matches

by bertilak
Thu Oct 12, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3610

Re: Wifi Thermostat

My disclaimer here is that I'm genuinely trying to understand the benefits of the WiFi Thermostats with actual data or targeted questions, so I can make a proper decision. I have a hard time understanding the true benefits of the thermostats being discussed here. Here are my specific questions that...
by bertilak
Wed Oct 11, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3610

Re: Wifi Thermostat

Also note that if you have a modulating furnace, odds are the wifi thermostat will downgrade it to a 2 stage. I'm not aware of any network-enabled thermostats that also work with fully modulating furnaces. My brand new Carrier includes a smart WiFi thermostat which supports 5 cooling stages, variab...
by bertilak
Tue Oct 10, 2017 10:39 am
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 2572

Re: Getting Malwarebytes warnings on this site

Does anyone getting the Malware Bytes message know how to do a traceroute? It has to be from your PC, as the route taken to the server will change based on your location. I get the malwarebytes warning when I go directly to image.ibb.co: Tracing route to image.ibb.co [104.27.126.62] 1 22 ms [52.93....
by bertilak
Tue Oct 10, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1852
Views: 1122395

Re: Another nice article about The Three-Fund Portfolio

Taylor Larimore wrote:
Mon Oct 09, 2017 8:43 pm
Bogleheads:

I was alerted to this nice article about The Three-Fund Portfolio:

The Three Fund Investment Portfolio: The Beauty of Simplicity

Best wishes.
Taylor
Love the Warren Buffett quote:
Image
by bertilak
Mon Oct 09, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Probably a very simple investing principle but....
Replies: 22
Views: 1972

Re: Probably a very simple investing principle but....

I hear people say that if you get a lump sum to just put it in the stock market. Nobody should say that. The SHOULD say to FIRST Establish your desired Asset Allocation, generally consisting of some ratio of stocks to bonds with potential subdivisions of stocks (US, International. Small Cap, etc.) ...
by bertilak
Sun Oct 08, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Headlines du Jour [Financial news]
Replies: 4
Views: 645

Re: Headlines de Jour

Yes, thanks for that! Just the other day my wife was out and about in her car listening to the radio and ran across one of those financial porn shows. She never before showed much interest in our investments (it was hard to get her to look over my IPS) but when she got home she warned me about the b...
by bertilak
Sun Oct 08, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 37
Views: 4937

Re: 2M savings investment help

- Why shouldn't the actively managed funds like Wellesley be in taxable accounts, is it due to higher ER? Really no clue here, we have no such options in our tax deferred accounts ( we are using the bond funds like total bond fund in our 401K) More than 70% of our money is in taxable account The id...
by bertilak
Sun Oct 08, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881006

Re: What Movie Have You Recently Watched?

Death in Paradise , available on Netflix. This is a BBC television series of 40 one-hour episodes, murder mysteries set in the British Virgin Islands and solved by a group of four police officers. We are about halfway through the series. This series is addictive, very good. Yes, and they are still ...
by bertilak
Fri Oct 06, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Roth IRA from American Funds to Vanguard
Replies: 3
Views: 332

Re: Transferring Roth IRA from American Funds to Vanguard

I think the "option contract" question is referring to "option" as defined HERE . In short: options are contracts that grant the right, but not the obligation to buy or sell an underlying asset at a set price on or before a certain date. You would know if you had any options in your account because ...
by bertilak
Thu Oct 05, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Transferring IRA as Beneficiary While Avoiding Financial Adviser
Replies: 37
Views: 2497

Re: Transferring IRA as Beneficiary While Avoiding Financial Adviser

I have not read all the response but would like to add what I have learned as I am in the middle of a similar situation. It is best to consider the inheritance first. Get everything in your name without making any decisions/commitments about buying/selling/liquidating. This is important to A) avoid ...
by bertilak
Mon Oct 02, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11227

Re: Postal Service -- "informed delivery"

I appreciate the information and signed up for the service since it sounded interesting. With that said, I sincerely do not have the time to compare the letters received each day to the scanned images to make sure nothing is missing.... That's not the main use I find for this service. My mailbox is...
by bertilak
Sun Oct 01, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 5976

Re: Is it a waste of money having your furnace checked every year?

I have a maintenance contract with the company that installed my Carrier HVAC (just this year). The contract costs $225 for two service visits per year, spring and fall. This starts next year. For $225 per year I get ... Carrier cannot invoke the warranty clause saying the unit must be properly main...
by bertilak
Sun Oct 01, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4644

Re: How much liquid Cash to Keep in Savings

My target AA is 60/40. I consider the entire amount, especially the 40% bonds, to be available for emergencies. It is liquid enough. I don't think emergency funds need to be all that liquid. Even if it takes a week to get the money for some large unexpected expense, no big deal. There are things lik...
by bertilak
Sat Sep 30, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3937

Re: Investing Books Debunked

I never went to a seminar but I did subscribe to IBD and tried to buy the black-bordered IBD 100 (now 50) stocks at their "trigger points". Larry Swedroe weighed in on CAN-SLIM in 2010. https://www.cbsnews.com/news/dont-confuse-strategy-with-outcome/ Thanks for the link. I notid two important point...
by bertilak
Sat Sep 30, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3937

Re: Investing Books Debunked

I spent alot of time on CANSLIM as well and new other people that paid a lot of money to go to those seminars. One person actually went to that $7K program and became "certified". All the people I knew lost money using the system including the "certified" person, and in fact he probably lost the mo...
by bertilak
Fri Sep 29, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3937

Re: Investing Books Debunked

Which investing books did you initially think were great but were then somehow debunked, so to speak? Conversely, which investing books did you initially think were junk but were then somehow proven sound? How to Make Money in Stocks: A Winning System in Good Times and Bad by William J. O'Neil, or ...
by bertilak
Thu Sep 28, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6122

Re: Which is better a Cryptocurrency or Gold?

I totally saw the housing crash coming (not the exact timing, but I knew it had to happen someday), but I didn't think it would affect me, since I wasn't looking to buy or sell a house. I too saw it coming but that was in 1973 California. Houses were hugely expensive compared to what I was used to....
by bertilak
Thu Sep 28, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6122

Re: Which is better a Cryptocurrency or Gold?

In the remote chance that civilization gets sent back to the middle ages, gold will be a far more valuable currency than a cryptocurrency. I just had this weird vision ... A grizzled old-timer steps up to the counter in an assay office with a little leather bag of bitcoin dust in his hand! His post...
by bertilak
Thu Sep 28, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6122

Re: Which is better a Cryptocurrency or Gold?

"Which is better a Cryptocurrency or Gold?" Better for what? Medium of exchange? Store of value? Investment to produce growth or return? Opportunity for speculation? In each of those cases there are strong competitors challenging both Cryptocurrency and Gold. Perhaps, once again, diversity is he key...
by bertilak
Wed Sep 27, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6122

Re: Which is better a Cryptocurrency or Gold?

Jags4186 wrote:
Wed Sep 27, 2017 9:19 am
...does anyone spend bitcoin?
This may be akin to slander, but I THINK Bitcoin is (primarily?) used on various black markets or for any other transaction where one of the parties wants to remain anonymous.

Please correct me if I am wrong!
by bertilak
Wed Sep 27, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6345

Re: I'm shocked!

AAA...Exactly, she had a very rough time during the Great Depression. I can't thank everyone enough! I didn't mention my dad because he has dementia (89 yo). Mom and I redid her will last year, everything goes to my brother and I, 50/50. Our names are on all accts. Does "names are on all accounts" ...
by bertilak
Mon Sep 25, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6122

Re: Which is better a Cryptocurrency or Gold?

To answer your question, Crypto. I am up over 300% since I started buying in April of this year. I already took out my original investment. (I wish I would have left it in). I feel like I am on the cutting edge of the future. It is fun and I am making money. So far it is just a hobby but I am learn...
by bertilak
Mon Sep 25, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4089

Re: Do you avoid risky adventures once you have the money?

Oops!
Misread the question. Deleted.
by bertilak
Mon Sep 25, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2996

Re: Are all investments compound interest?

Thanks for all of your replies and answers. My question is this: If investments do not compound , why do all financial books have graphs on the "power of compounding"?? I still am not clear if the money I have in my Roth IRA at Vanguard with 740 shares of VFFVX (Vanguard Target Retirement 2055 Fund...
by bertilak
Mon Sep 25, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6122

Re: Which is better a Cryptocurrency or Gold?

i dont see why people are against cryptocurrency, but were content investing in enron (it was part of the S&P i believe). Opporutnity comes in skepticism. Congrats to the individuals who made a lot of money in bitcoin. I wish I invested with you. Gold and cryptocurrency hvae their roles, depends on...
by bertilak
Sat Sep 23, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 34
Views: 3174

Re: Take The Lump Sum or The Immediate Annuity?

All ideas will be very appreciated... As much of the above says, one can compare the annuity offer to other available annuities and their costs. This will tell you if the offer is fair and that's good to know. A bigger question is do you or do you not want an annuity at all? My answer is that you n...
by bertilak
Thu Sep 21, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Quicken Mobile app [balance discrepancy between app and PC version]
Replies: 2
Views: 264

Quicken Mobile app [balance discrepancy between app and PC version]

Last night I opened my Quicken 2017 and was forced to upgrade to R14. It was an unusually involved process that included a checklist of about ten or so things I needed to do, the main one being to establish an ID/PW for Quicken security instead of Intuit security. NOTE! Despite the fact that the ins...
by bertilak
Tue Sep 19, 2017 5:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 11821

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

Not sure I believe that holding on to your dividend funds would have prevented any of that - they dropped at pretty much the same pace as the rest of the market after all. But is that true for the dividends themselves? For someone living off of their stock market returns, does not the degree to whi...
by bertilak
Tue Sep 19, 2017 4:52 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29001

Re: Wow, Vanguard Flagship service is bad. Really bad.

PDX_Traveler wrote:
Tue Sep 19, 2017 2:34 am
It was quite unnerving to see 'electronic' funds simply go *poof*
I have been on the other end. A few years back, an asset (some mutual fund, I believe) simply popped into one of my accounts. I think this was with Schwab. I reported it and the next day it was gone.
by bertilak
Mon Sep 18, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2613
Views: 831970

Re: What Book Are You Currently Reading? Part VI

Something I just picked up at Costco: Classic Horror Tales ... There are over two dozen horror stories by the best classic authors: Edgar Allan Poe, Bram Stoker, Arthur Conan Doyle, R.L. Stevenson, Ambrose Bierce, H.P. Lovecraft, Dickens, and others. One of the "others" is Henry James. His story is...
by bertilak
Sun Sep 17, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: A bit of estate planning
Replies: 10
Views: 1124

A bit of estate planning

I would like tp hear about the financial tools available to accomplish the following: Give money to four and six year old grandsons. NOT Have that money simply fall into their parents' "general fund." Maintain control over how that money is invested. Have some control over how the money is eventuall...
by bertilak
Sat Sep 16, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Determine Insurance Value?
Replies: 10
Views: 572

Re: How Do You Determine Insurance Value?

I sometimes watch the TV show "Antiques Roadshow." Often the appraiser will say something like, "It would sell at auction for about $10,000, but you should insure it for $15,000." I would assume that the insurance claims adjuster would come to a value closer to the $10,000 figure, so why do they re...
by bertilak
Fri Sep 15, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2613
Views: 831970

Re: What Book Are You Currently Reading? Part VI

Something I just picked up at Costco: Classic Horror Tales (World Cloud Classics), Editors of Canterbury Classics. The binding is described as "Flexibound" which is a soft, comfortable, leather-like binding. It is approximately 5x8 and at 454 pages is just over an inch thick. Unfortunately, no Illus...
by bertilak
Wed Sep 13, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Someone set up PayPal account using my email...
Replies: 35
Views: 2697

Re: Someone set up PayPal account using my email...

There are only so many email addresses that can match, so I suggest composing a message explaining the situation and sending it off to all of them. You should get failure notices for the nonexistent ones.
by bertilak
Wed Sep 13, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using investment funds for Home purchase
Replies: 13
Views: 1209

Re: Using investment funds for Home purchase

I see nothing inherently wrong with using invested assets for home purchase. Some people specifically invest just to build up equity for this purpose. Some people use invested assets to pay off (or down) a mortgage on a home already owned. If retired, improved cash flow may be a consideration and a ...
by bertilak
Tue Sep 12, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1696

Re: Three days in Prague during September

ladders11 wrote:
Tue Sep 12, 2017 1:14 pm
bertilak wrote:
Tue Sep 12, 2017 10:46 am
Three Days in Prague

Wasn't that an Alfred Hitchcock movie based on a LeCarre book?
I wish this existed! However Hitchcock, 1899-1980, mostly predated Le Carre, whose novel Spy Who Came in From the Cold was published in 1965.
Maybe it was a Le Carre book based on a Hitchcock movie!
by bertilak
Tue Sep 12, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1696

Re: Three days in Prague during September

Three Days in Prague

Wasn't that an Alfred Hitchcock movie based on a LeCarre book?
by bertilak
Tue Sep 12, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Is tall Fescue really tall?
Replies: 12
Views: 1425

Re: Is tall Fescue really tall?

Interesting. TF is the grass of choice here and Bermuda is considered a weed (except for some varieties used on golf courses). In the lawn it is called wiregrass here. The only way to get rid of the wiregrass is to nuke (Roundup) and reseed. We did that on the front last year and the back is going ...
by bertilak
Tue Sep 12, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 15664

Re: Microsoft, I want my computer back!

Perhaps I'm dense but I cannot see any difference between the two sides of the comparison -- other than the "heat map" they have overlaid on each side. I don't like that picture either. Even the large version doesn't really show the differences, and the small one is hopelessly fuzzy. The original a...
by bertilak
Tue Sep 12, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Is tall Fescue really tall?
Replies: 12
Views: 1425

Re: Is tall Fescue really tall?

Our lawn is primarily Bermuda and we consider Tall Fescue to be a weed, or invasive specie. Grows in clumps here and there in the lawn. Like lawn pimples! Don't know how to kill it without killing everything. One suggestion was to do just that: use Round Up to kill everything then reseed. Not about ...
by bertilak
Tue Sep 12, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8685

Re: When calculating net worth, how do you value your house?

Glances through this thread - what's interesting is that I don't think (unless I missed it) anyone asked the OP what his/her/their "Purpose" of calculating networth is. The answer certainly depends upon the goal on whether or not it should be included. Good question. The section this is in, "Person...
by bertilak
Tue Sep 12, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 45943

Re: Quicken's future direction - a cause for concern

There are a few quirks to get used to, and adjust for, but it becomes second nature pretty soon. I don't have to "adjust" to Quicken. I am adjusting to Excel. I don't play games with hustlers. Quicken is now under new ownership who haven't been around long enough, in my opinion, to condemn them. I ...
by bertilak
Mon Sep 11, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 45943

Re: Quicken's future direction - a cause for concern

Keepcalm wrote:
Mon Sep 11, 2017 5:34 pm
YNAB just released a full feature mobile app including reports....just saying.
I guess it depends on the meaning of "full featured!" Also, would not a mobile app be quite limited in display area?
by bertilak
Mon Sep 11, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 15664

Re: Microsoft, I want my computer back!

I find the new UI to be not only uglier but also less usable. And now I have some empirical evidence to back that up. https://www.theregister.co.uk/2017/09/05/flat_uis_designs_are_22_per_cent_slower_official/ Perhaps I'm dense but I cannot see any difference between the two sides of the comparison ...
by bertilak
Mon Sep 11, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 45943

Re: Quicken's future direction - a cause for concern

I would never trust the "cloud". They have total control and are not above holding your records hostage. Photobucket is doing what Quicken is doing but times 10. I find I have to manually enter any broker transactions. Quicken it totally 100% useless for downloading brokerage accounts. If I didn't ...
by bertilak
Mon Sep 11, 2017 12:09 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60173

Re: Forum software upgrade bug reports and change requests

Thanks all. I did look to see if those wee "old" (pre upgrade) quotes but I'm still in August and forgot that the rest of the world has already moved on to September so those posts from Aug 10 and 11 looked pretty recent to me! I will now adjust the month in my internal clock!
by bertilak
Mon Sep 11, 2017 11:15 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60173

Re: Forum software upgrade bug reports and change requests

Link to quoted post in reply. I like that little up-arrow that allows one to link to the quoted post. Unfortunately, it isn't always there! Please look at this example: https://www.bogleheads.org/forum/viewtopic.php?p=3487130#p3487130 When I look, the quoted post has no little up-arrow even though t...
by bertilak
Mon Sep 11, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: "Top 5 Ways to Manage Your Money"
Replies: 8
Views: 3598

Re: "Top 5 Ways to Manage Your Money"

Bogleheads: The Physician on Fire website has an article about different ways to manage our money. ... Top 5 Ways to Manage Your Money Best wishes. Taylor Thanks, Taylor. That is excellent. I also followed these two links (given in the above) for more equally excellent writings ... https://www.phys...
by bertilak
Sat Sep 09, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10068

Re: Companies/Brands You Love?

SirRunsabit wrote:
Fri Sep 08, 2017 9:56 pm
and of course, who couldn't love Kobayashi Ceramics. :beer
Wasn't he Verbal Kint's chauffeur?
by bertilak
Fri Sep 08, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12795

Re: Florida Hurricanes: When and where to go?

<snip> The developer had blocked all the street drains with tar paper and chicken wire to keep out construction debris and that caused a bit of flooding -- right up to our door sills. Seems that the developer should have had the foresight and common sense to uncover and clear the drains before an i...