Search found 4296 matches

by bertilak
Mon Feb 08, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 24
Views: 953

Re: Do you download software or use a DVD drive?

You are standing in an open field west of a white house, with a boarded front door. There is a small mailbox here.
> put tax return in mailbox
The mailbox is closed.
by bertilak
Mon Feb 08, 2016 6:41 am
Forum: Personal Consumer Issues
Topic: Raw Honey?
Replies: 34
Views: 2482

Re: Raw Honey?

I just checked the spun honey we got from the bee man for using our land to place hives on and it says unpasteurized. Probably the liquid honey is the same, but it is not labeled. I had never thought to look for that; it is our first year having hives and getting "free" honey. Now there's...
by bertilak
Mon Feb 08, 2016 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Is CD an investment or savings?
Replies: 17
Views: 939

Re: Is CD an investment or savings?

Is a CD an investment or savings? (A fixed deposit is the financial term for a CD in my country.) The financial consultant at a bank told me that I should not mix investments and savings. That is, the investment portion and the savings portion must be separate. However, the financial consultant ins...
by bertilak
Sat Feb 06, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 24
Views: 953

Re: Do you download software or use a DVD drive?

I was looking at the 4' high stack of game CDs from the early 1990's thru about 2010 I had in the closet last week and decided to throw them all out. Probably about 100 games, which brought me some fun at the time, but are now largely obsolete - along with my game playing. There was even some 5.25&...
by bertilak
Sat Feb 06, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

It is the CLOSING price that is adjusted. I imagine there could be opening bids or offers that are different. Note that outstanding limit orders are also adjusted. With option strike prices I believe you are on your own -- better be careful.
by bertilak
Sat Feb 06, 2016 2:53 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 250
Views: 29881

Re: Forum software upgrade bug reports and change requests

When I create a new post (via reply, quote, or new topic) the focus does NOT land on the input area, so when I start typing nothing happens until I hit the space bar which seems to be a hot-key that causes the screen to jump around and do who-know-what-else. I can reproduce your problem on 2 differ...
by bertilak
Sat Feb 06, 2016 11:53 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 250
Views: 29881

Focus!

When I create a new post (via reply, quote, or new topic) the focus does NOT land on the input area, so when I start typing nothing happens until I hit the space bar which seems to be a hot-key that causes the screen to jump around and do who-know-what-else.
by bertilak
Sat Feb 06, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 24
Views: 953

Re: Do you download software or use a DVD drive?

Generally download. Just bought an HP printer that had a DVD for its drivers and associated software. Used a USB CD/DVD drive to install. I think I could have let Windows find the right drivers and download then gone to the HP website to download the rest. The CD was simpler. Also my Internet connec...
by bertilak
Sat Feb 06, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

You guys are much smarter then me. Is this dumb advice? I have no clue. My response would be what does the data say? I am POSITIVE if you look back throughout history the share price does not fall EXACTLY the same as the dividend. That is pretty obvious looking at market movements. Without talking ...
by bertilak
Sat Feb 06, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

Buying when there is blood in the streets is a great strategy -- when it's not YOUR blood!
by bertilak
Sat Feb 06, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 29
Views: 3266

Re: Bogleheads investment philosophy at huge risk?

Here is something I do not understand. If indexes are creating the inefficiencies and overvaluations that people like Ackman claim, then isn't this a good thing for the hedge fund managers? Why not encourage the indexing in order to boost your opportunities for deploying capital? Isn't this like si...
by bertilak
Sat Feb 06, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

nisiprius wrote:I think I've found a dumber article, although I'm not sure it counts as "investment advice," unless sports gambling counts as investing. These four stocks predict who wins Super Bowl 50

The Street strikes again!
by bertilak
Sat Feb 06, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

I do believe you could promote a strategy of throwing $100 bills off the 86th-floor deck of the Empire State Building, to see whether the wind will bring back more or less than the amount you threw. And when people say "But all the experts say you shouldn't do that," you could say "T...
by bertilak
Fri Feb 05, 2016 2:56 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

Yikes!

I thought it was a one-off oddity but it looks like I've stumbled upon a nest of Street Vipers!

Time to call in ... Billy the Exterminator!
Image
by bertilak
Fri Feb 05, 2016 2:16 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

If the selling price is exactly the same as the buying price minus the dividend, what is the tax impact? You have a taxable dividend plus a capital loss... Does that make it worse than just the commissions? The closer you look, the dumber it gets. EDIT: Could the cap loss be used to offset the inte...
by bertilak
Fri Feb 05, 2016 2:15 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Re: Today's dumbest investment advice

ThereAreNoGurus wrote:... simply stunning ...

Good word. I was pleased to be able to work in "ludicrous!"
by bertilak
Fri Feb 05, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Spam filter?
Replies: 7
Views: 1646

Re: MailWasher

MailWasher Well, this is an old thread! I thought I'd bump it up and report that I recently found MailWasher (Pro) and love it. I did not buy it for its spam filtering but simply to have something periodically check for mail in the background, alert me to new mail and open my mail client for me. It...
by bertilak
Fri Feb 05, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3741

Today's dumbest investment advice

Or perhaps dumbest this week, year, decade, ever? The Only Reason to Buy Exxon Mobil Is Its Dividend . The Street's summary: "Buy the stock, get the dividend and then get out as fast as you can." The article advises you to buy a stock the day before ex-dividend, then sell next day. You bre...
by bertilak
Fri Feb 05, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Chicken rub
Replies: 34
Views: 2175

Re: Chicken rub

Songs popular in the '50s:
    Do the Twist
    Do the Swim
    Do the Stroll
    Do the Hustle
    Do the Monkey
    Do the Hokey Pokey
    Do the Mashed Potatoes
    Do the Chicken Rub
by bertilak
Fri Feb 05, 2016 12:09 pm
Forum: Investing - Theory, News & General
Topic: Seeking Sample IPS (Investment Policy Statements)
Replies: 3
Views: 298

Re: Seeking Sample IPS (Investment Policy Statements)

I posted my IPS last year in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=170937&p=2578476&hilit=ips#p2577284. The IPS had two conflicting goals: Simple (one page) and complete (all questions answered). It was less for my own use and more for anyone who had to take o...
by bertilak
Fri Feb 05, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Annuities as an Alternative to Shaky Markets? Not So Fast
Replies: 3
Views: 375

Re: Annuities as an Alternative to Shaky Markets? Not So Fast

Reducing expenses would always be an excellent alternative to trying to raise more income. Note, however, that as a mortgage is paid down the expenses involved decline and more and more of the payment is a question of shifting assets from liquid investments to an illiquid investment. One agrees tha...
by bertilak
Fri Feb 05, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: Annuities as an Alternative to Shaky Markets? Not So Fast
Replies: 3
Views: 375

Annuities as an Alternative to Shaky Markets? Not So Fast

Here is something to consider when juggling cash flow issues in retirement. SPIAs are often recommended but the following may help you think that through. Mike Piper's Investing Blog Roundup links to an interesting article in the NY Times by Christopher Farrell called Annuities as an Alternative to ...
by bertilak
Thu Feb 04, 2016 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 800

Re: Suggested AA for Retirees

The classic study on safe withdrawal rates was the Trinity study. That's the one that established 4% as the recommended SWR for 30 years. It used an asset allocation of 50/50 stocks/bonds, so I'd start there. The advice to use a higher equity ratio is sound given your higher withdrawal rate and you...
by bertilak
Wed Feb 03, 2016 12:10 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 104
Views: 9962

Re: How important is an international allocation?

If a British, or French, or Chinese, or <insert country here> national posted here and asked whether they should only invest in their own country's equities, is there a single person here who would say yes? Your answer to this question really shouldn't change based on whether the country that they'...
by bertilak
Wed Feb 03, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: coordinating sale of stock with others legal?
Replies: 5
Views: 735

Re: coordinating sale of stock with others legal?

I agree with others, you need to seek professional guidance on his one, not internet advice. Sounds like a good problem to have. Congrats! :beer Agree 100%. BUT, if it comes down to "do whatever you darn well please" another strategy to consider (in addition that in your original post) mi...
by bertilak
Wed Feb 03, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4987

Re: "Money in the stock market isn't real money"

I think the following may cause confusion when discussing "real money." It is a form vs. function thing. Money has many forms and (at least?) two functions, both of which are accounted for as "money:" ⋅ Store of value (asset) ⋅ Transfer of value (cash flow) Mo...
by bertilak
Tue Feb 02, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retired - do you still save?
Replies: 24
Views: 1965

Re: Retired - do you still save?

Seems like since I retired I've been whacked with unexpected expenses almost continuously, from weddings to attend in Germany to failed septic systems and everything in between. Just this month I was able to see some headroom in my projected cash flow so I sent $500 off to my taxable account at Vang...
by bertilak
Mon Feb 01, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Made in Germany
Replies: 12
Views: 1265

Re: Made in Germany

Most common consumer good that is made in Germany one would probably encounter is a vehicle. I've owned 9 Volkswagens over the years. Have two now. At one point I bought "How to Keep Your Volkswagen Alive: A Manual of Step-by-Step Procedures for the Compleat Idiot" which I used to guide m...
by bertilak
Sat Jan 30, 2016 10:57 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 31
Views: 1395

Re: New Board Index Topic - Retirement Planning

I too was in favor of a separate retirement topic. Probably because I got involved with BH in early retirement. I have since come to realize that would add to the confusion rather than help. Even if a post "obviously" would belong in the hypothetical retirement category, the person making ...
by bertilak
Thu Jan 28, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Please review after 10 years investing
Replies: 12
Views: 1389

Re: Please review after 10 years investing

Between social security and your pensions ($100,000/yr) you should be set in terms of "being able to survive". If you're happy with how your money has been performing for the past 10 years, just leave it be. I wouldn't stress too much about "non-essential" money. I'd just reinve...
by bertilak
Thu Jan 28, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Printer suggestions?
Replies: 24
Views: 1613

Re: Printer suggestions?

Hi. I am no printer guru but I have bought a couple of printers lately. Both under $200. I found that in my price range (and I think it's true up the line) inkjet gives you the best color quality. Photo quality. Unfortunately inkjet conflicts with some of your other desires: speed and cost and (here...
by bertilak
Thu Jan 28, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 3
Views: 310

Re: Rebalancing Question

I would call this an allocation question rather than a rebalancing question. This reply is in the context of someone in or near retirement. Generally speaking, one should reduce equity allocation as retirement approaches. 77% seems a little high if your retirement is imminent, but that's just off th...
by bertilak
Tue Jan 26, 2016 1:55 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9366

Re: What is your favorite Financial Quote or Metaphor??

Angst wrote:Caveat emptor.

Quidquid latine dictum sit, altum sonatur.
-- Ignotus
by bertilak
Tue Jan 26, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9366

Re: What is your favorite Financial Quote or Metaphor??

The best day to plant a tree was 20 years ago; the next best day is today.
-- Old Chinese Proverb
by bertilak
Mon Jan 25, 2016 12:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6284

Re: Where is YDNAL?

Following your link above ( User Control Panel ) takes me to MY profile where I can see MY last active date but I can find no way to see that info for other members. Simply switching the "u=28806" in the URL for my profile to match YDNAL's (u=1626) does not work. I think this setting in y...
by bertilak
Mon Jan 25, 2016 10:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6284

Re: Where is YDNAL?

Location is visible to everyone and is displayed underneath your avatar when you post. Here's YDNAL's latest post: Re: Where are the dividends with Funds?? . Note "Location: Biscayne Bay". Interests, Occupation, and Location are entered by the member in the User Control Panel Profile tab....
by bertilak
Mon Jan 25, 2016 9:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6284

Re: Where is YDNAL?

LadyGeek wrote:YDNAL last logged in on Jan 12, 2016. His location is listed.

(You must be logged in to follow the link.)

As site admin. maybe you get to see more info than the rest of us.
by bertilak
Sun Jan 24, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: quicken 2016 upgrade DONT!
Replies: 15
Views: 1329

Re: quicken 2016 upgrade DONT!

I succumbed to the upgrade from 2015 to 2016 due to price from Amazon 29.99 download.29.85 cd. Frankly I haven't stumbled on any changes as of yet from 2015,but I probably haven't looked hard enough. It does appear to load quicker though. :happy Every Quicken update converts my data file to the new...
by bertilak
Sat Jan 23, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should I change our asset allocation?
Replies: 10
Views: 782

Re: Should I change our asset allocation?

You are young and at the beginning of your investment career so it is to be expected you haven't zeroed in on a "perfect" asset allocation. I say adjust your AA as you learn more about investing, about yourselves and about your situation. One secret you can learn right away is that there i...
by bertilak
Fri Jan 22, 2016 3:36 pm
Forum: Forum Issues and Administration
Topic: Upcoming East Coast snow and Bogleheads servers
Replies: 18
Views: 1717

Re: Upcoming East Coast snow and Bogleheads servers

VictoriaF wrote:It will be great to have access to the Bogleheads when everything else is at stand-still.

That's assuming "everything else" doesn't include YOUR internet service!
by bertilak
Fri Jan 22, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: The sky is falling!
Replies: 14
Views: 1508

Re: The sky is falling!

StevieG72 wrote:I have a 75/25 portfolio that has rebalanced itself to 70/30.

An interesting reason to NOT rebalance (very often), as an asset class does poorly your exposure to it is automatically reduced!
by bertilak
Fri Jan 22, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7234

Re: What was your biggest unexpected home expense?

20K for new septic system since old one failed due to inadequate design. 5K paid to septic system shysters (for bogus quick fixes) before I learned my lesson. 2K to re-route water softener discharge in order to get county approval of new septic system. 27K Total but still may need some more landscap...
by bertilak
Wed Jan 20, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: Paperless (electronic) 1099-R not there
Replies: 7
Views: 424

Re: Paperless (electronic) 1099-R not there

Just called. Scheduled for call-back in half hour. Looked at web page and the 1099-R is now there! Good Deal :happy Well, THAT part is good. The rest, not so good. Got my call-back and it was a recorded message saying "Sorry, due to technical difficulties we are unable to process your request....
by bertilak
Wed Jan 20, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Paperless (electronic) 1099-R not there
Replies: 7
Views: 424

Re: Paperless (electronic) 1099-R not there

Just called. Scheduled for call-back in half hour.

Looked at web page and the 1099-R is now there!
by bertilak
Wed Jan 20, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Paperless (electronic) 1099-R not there
Replies: 7
Views: 424

Re: Paperless (electronic) 1099-R not there

According to the Tax form schedule, the 1099Rs for brokerage accounts are scheduled for LATE January. When it will be ready Mid-January for mutual fund accounts. Late January for brokerage accounts. The 1099R from my Mutual Fund only account showed up yesterday. I didn't get an email... just happen...
by bertilak
Wed Jan 20, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Do retirees care about their credit score?
Replies: 35
Views: 2308

Re: Do retirees care about their credit score?

I always pay credit cards in full and on time, usually before the payment is due. Be careful of that. Before due is OK but before statement date can be a trap. If you pay the card off before the statement is produced the credit bureaus will consider the card inactive even if you put thousands of do...
by bertilak
Wed Jan 20, 2016 10:14 am
Forum: Investing - Theory, News & General
Topic: Paperless (electronic) 1099-R not there
Replies: 7
Views: 424

Paperless (electronic) 1099-R not there

Yesterday I got the following email from Vanguard: Your brokerage Form 1099-R is now available. Thank you for choosing to go paperless and receive your tax forms electronically. Follow these steps to access and print your tax form: 1. Log on to your account at vanguard.com. 2. From the My Accounts d...
by bertilak
Tue Jan 19, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10175

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

For the vast majority of cars on the road today, there are literally gallons of gas left in the tank when the low fuel light comes on. Exactly. The idea is to tell you about it BEFORE it becomes a emergency -- give you plenty of time to do a fill-up without having to scramble. I hate having to scra...
by bertilak
Tue Jan 19, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10175

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

Meanwhile, why would you let your tank get so low? I've had maybe three times in the modern era (in-tank pumps) when I've seen that warning light, and in retrospect it was avoidable and shouldn't have happened. Usually it was my fault for being too cheap and hoping for less expensive gas down the r...
by bertilak
Tue Jan 19, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10175

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

Diesel is significantly heavier than gasoline (6.7 lbs/gal versus 5.85 lbs/gal), and diesel and gasoline will separate just like oil and water, with the diesel at the bottom (the part that is dispensed to the pumps first) and the gasoline at the top. The separation only occurs if the contaminated f...

Go to advanced search