Search found 5153 matches

by bertilak
Sun Mar 26, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2227
Views: 613944

Re: What Book Are You Currently Reading? Part VI

I just finished Part I of Cervantes' Don Quixote , the 2003 translation by Edith Grossman. It is a pretty good translation, an easy read in English and, per reviews, very true to the original. I read this once before many years ago. I don't remember whose translation. My memory of it is vague. I don...
by bertilak
Sat Mar 25, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 62
Views: 3945

Re: Justification for Adding REITs

How does one rebalance a home? The goal is not to rebalance a home but to rebalance an asset class, in this case real estate. If one has both a home and a REIT (or REIT fund) one can do one's rebalancing at the margin, using the REIT(s). That said, the value of a home might swamp the overall percen...
by bertilak
Sat Mar 25, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Equity in Roth, Bonds in Traditional ?
Replies: 4
Views: 350

Re: Equity in Roth, Bonds in Traditional ?

Currently rolling over a SIMPLE to Traditional @ Vanguard. For AA/tax efficiency, would it make sense to place bonds in traditional and equity in Roth? Thinking equity growth potential in the Roth, stable growth in traditional but likely less total over time to be taxed upon retirement? Strongly co...
by bertilak
Thu Mar 23, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 3604

Re: How did you do your income taxes?

I asked this question last year, and I’ve decided to ask it again: If you’ve done your income taxes, how did you do them? Did you do them by hand? Did you have a paid preparer do them for you? Or did you use computer software, and, if so, which software package did you use? I drop of several stacks...
by bertilak
Thu Mar 23, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 62
Views: 3945

Re: Justification for Adding REITs

Beyond what's said above, Some would say that real estate is under represented in the Stock market because so much real estate investment is not traded on the stock market. Tilting to REITs is seen as a way to correct this imbalance. I'm not suggesting that's gospel, it's just a justification I have...
by bertilak
Wed Mar 22, 2017 10:28 pm
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 15
Views: 1202

Re: Extremely Short 'Stay Logged In' Time

When I click on my browser's bookmark for BH there is no problem. I use Chrome. When I click on a link in a notification email saying that a post has been added I sometimes get prompted to log in. I suspect a Chrome problem because I only recently noticed this behavior and I recently switched from ...
by bertilak
Wed Mar 22, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Pay off debt or invest?
Replies: 6
Views: 528

Re: Pay off debt or invest?

My point of view is always colored by risk, or its opposite guarantees. Let's say your debt is 5% and you expect your investments to pay 10%. In my world that 10% is not twice as good as the 5%, this is even ignoring any tax implications. If you invest you may not get that 10%. You might even lose t...
by bertilak
Wed Mar 22, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2306

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use two GUI programs: chrome and Okular. And in chrome I use an extension so I use my mouse as little as possible. I use i3 as my window manager, rxvt-Unicode as my terminal, mpd and ncmpcpp as my audio programs, mutt to read email, and vim as my editor with latex to render documents. Most of my ...
by bertilak
Wed Mar 22, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Best set it and forget to hold until retirement?
Replies: 24
Views: 2504

Re: Best set it and forget to hold until retirement?

I went w/ the 2020 TRF because was only $1,000 to get started [the two I'm looking at require 3,000] ... If you have less than $3000 it hardly matters what you do with it. It could be under your mattress. By the time you have enough to be of any significance that initial $3000 will be lost in the n...
by bertilak
Tue Mar 21, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: PortfolioVisualizer added inflation adjustment
Replies: 2
Views: 329

Re: PortfolioVisualizer added inflation adjustment

I have no connection with PortfolioVisualizer other than thinking it's a very useful tool and using it all the time. Well, I have one other connection with them. Some weeks ago I sent them an email saying I thought it would be nice if they offered the option of correcting for inflation in the "...
by bertilak
Mon Mar 20, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 190
Views: 46508

Re: [Why did my fund suddenly drop in value?]

Sidney wrote:Indeed. We are about to find out that when you break a loaf of bread in half, miraculously you have .... wait a minute ... still only one loaf.

But unlike bread, the half you don't eat grows back to a full loaf! And does so by the time you are hungry again.
by bertilak
Mon Mar 20, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940283

Re: The Three-Fund Portfolio

This is the best and most observant question that I have seen on the subject of the 3 fund portfolio or on any other portfolio. It is particularly relevant to those of us who are older and have high allocations in the Total Bond Index. I am also not an expert but it would seem that our bond portfol...
by bertilak
Sun Mar 19, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2162

Re: State Farm

I've been using Sate Farm since (at least) the early '70s. I've had a few claims that were my fault. (Not many for so many years!) I used to check competitors but no one could beat SF -- even after I collected on some heavy damage to a motorcycle (I wasn't hurt but thanks for asking!) so I have long...
by bertilak
Sun Mar 19, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4844

Re: "Don't time the market" vs. "Buy low, sell high"

I always took "Buy low, sell high" as tongue-in-cheek. It should have " as if it's that easy " in small print. It is a milder form of Will Roger's advice: "Buy some good stock and hold it till it goes up, then sell it. If it don't go up, don't buy it." Yes, rebalancing ...
by bertilak
Sun Mar 19, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 3712

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

I agree with all those above who say to leave your advisor. To most of us it is a no brainier, but that's because we've been there before. If you want to put yourself in a more confident state of mind, make a list of all the reasons you should stick with your advisor. Go through the list one-by-one ...
by bertilak
Sat Mar 18, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21067

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

I respect that this forum is full of people that hate spending money. What else would one expect from committed Bogleheads? If so, I don't fit the mold. I Like spending money IF it is money I can afford to spend. That's why I like Quicken's help in projecting cash flow. It lets me know when to spen...
by bertilak
Sat Mar 18, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21067

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

... anguish not being able to schedule payments, etc because I have everything set up through quicken (in the sense of schedule and future reminders to see future balances). Even with mint, it is hard to determine future cash flow. Automated projection of future cash flow (via recurring reminders) ...
by bertilak
Fri Mar 17, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 19
Views: 1153

Re: How to know if power is cut to smoke detector

Does the detector have a battery? If so it should throw off warning beeps if there is no power being supplied. I think they are all like this, at least now-a-days. Also look at your breaker box and see if there is a breaker labeled anything like "smoke detectors." Try switching that off to...
by bertilak
Fri Mar 17, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Increase W4 withholdings or make estimated tax payments
Replies: 12
Views: 673

Re: Increase W4 withholdings or make estimated tax payments

Another question: am I correct that as long as my 2017 withholdings equal at least 100% of my prior year tax, I won't be subject to underpayment penalties? For example: 2016 total tax: $10,000 2017 total tax: $20,000 In the situation above, if my 2017 withholdings total $10,001, I wouldn't be subje...
by bertilak
Fri Mar 17, 2017 12:22 pm
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 15
Views: 1202

Re: Extremely Short 'Stay Logged In' Time

When I click on my browser's bookmark for BH there is no problem. I use Chrome. When I click on a link in a notification email saying that a post has been added I sometimes get prompted to log in. I suspect a Chrome problem because I only recently noticed this behavior and I recently switched from F...
by bertilak
Thu Mar 16, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 169
Views: 35976

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

That's a huge topic far beyond the scope of this forum, but to keep it brief, economies grow because we work to make them grow. As we become more effective and efficient in creating value through goods and service, the economy grows. But nothing is "certain" save two things. Yes. Presumab...
by bertilak
Thu Mar 16, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 169
Views: 35976

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

... We all know that we cannot make any assumptions about which specific asset class or style will perform in the future but one and only one: that the domestic and world economies will grow and so will our equity portfolios. I just stumbled upon this thread. It makes sense to me that it's likely i...
by bertilak
Thu Mar 16, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 969

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

Asset location guidelines are to put equities in taxable and fixed income in tax advantaged. But, this will make my equities exceed my targeted asset allocation Do you have any equities in tax-advantaged? If so you might be able to sell enough of those and buy FI to maintain your AA even after buyi...
by bertilak
Thu Mar 16, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21067

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

So for me, I just don't see the benefit of looking at other options now. I am pretty good about not repenting the past or brooding over the future. I have enjoyed reading all the views on the topic. In theory , as I posted earlier, it is time for me to start looking for alternatives. In practice I ...
by bertilak
Thu Mar 16, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 969

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

Asset location guidelines are to put equities in taxable and fixed income in tax advantaged. But, this will make my equities exceed my targeted asset allocation Do you have any equities in tax-advantaged? If so you might be able to sell enough of those and buy FI to maintain your AA even after buyi...
by bertilak
Thu Mar 16, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3105

Re: How do you cope with regret over selling too soon?

My challenge over the years has been in sticking with my common sense convictions. The biggest regret I have is in selling Netflix, which I bought 2,000 shares of back in 2003. Those shares (including splits) would be worth somewhere in the neighborhood of 4 million dollars now. In going over my re...
by bertilak
Wed Mar 15, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2546
Views: 654999

Re: What Movie Have You Recently Watched?

Nicolas wrote:My wife and I both loved it. Me especially, as I've been a detectorist myself. There may be a third season, we will see.
http://renewcanceltv.com/detectorists-s ... ming-back/

Well, I would welcome it!
by bertilak
Wed Mar 15, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 4183

Re: BND Jumps 0.5% on Fed Announcement

ray333 wrote:Is now still a good time to buy in equities?

Old Chinese proverb:

The best time to plant a tree was 20 years ago. The second best time is today.
by bertilak
Wed Mar 15, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2756

Re: Vanguard: "Important: We've been unable to reach you by email"

Those emails generally just tell you that a confirmation is available on the web site. There should also be a message there. Your main page should have a link to new messages. The message should direct you to the actual confirmation, a PDF. See if there is one there that you did NOT get an email not...
by bertilak
Wed Mar 15, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21067

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

On a tangent note, I've been unable to download account info from HSA Bank for a couple of weeks - Quicken 2016 errors with "Bad password" and freezes. I contacted HSA Bank today and was told that they no longer support Quicken downloads, and that they did not renew their license. FWIW. P...
by bertilak
Wed Mar 15, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 3774

Re: Don't let your political views impact your investment strategy

Yes, but perceptions can be mirages. Certainly, but the point is that they drive behavior, be they accurate or not. This is true everywhere, not just in the stock market. The very title of this thread is a warning to be aware of this and to be cautious in your reactions. Mr. Market's perceptions ma...
by bertilak
Tue Mar 14, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 843

Re: How to calculate your portfolios performance

I have asked them several times on their "chat" application. No one could give me a good answer. Do you have an "advisor" (or some such) assigned to you at Fidelity? Perhaps they hold back that info to encourage you to call, giving them another opportunity to inform you of all t...
by bertilak
Tue Mar 14, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 843

Re: How to calculate your portfolios performance

I am not familiar with Fidelity's web site but they probably have something you can get to with a few clicks to give you that information. If you can't find it, call them and ask.
by bertilak
Tue Mar 14, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Gutter Replacement
Replies: 17
Views: 1580

Re: Gutter Replacement

Much good advice above. I have only a little to add (or emphasize): ⋅ 6 inch gutters and bigger downspouts are a must. ⋅ Get the leaf screens. They are cheap. ⋅ I used a set of house plan and highlighted the parts of the roof where I wanted gutters and extra-highlighted...
by bertilak
Tue Mar 14, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 33
Views: 3150

Re: Credit Card accounts (leave open or close?)

Are you saying you were able to raise the credit limit on card 2 to an amount which is the former limits on card 1 plus card 2? I would like some clarification since I have been thinking about doing this with some cards. You might trigger a hard credit pull which is bad for your score and lasts mor...
by bertilak
Tue Mar 14, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 3774

Re: Don't let your political views impact your investment strategy

I agree with the article, but I disagree with one of the supporting points. In the article, you mention that those who sold after the election "missed the bull market" . The problem is that this is really looking over a very short time span of just 4 months. Prices may be rising, but I do...
by bertilak
Tue Mar 14, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2546
Views: 654999

Re: What Movie Have You Recently Watched?

Thx, bertilak! Really enjoying this. In addition to the humor and the kind treatment of the characters, there are some lovely views of the English countryside. :happy Have you seen Paul and Art yet? That's how they are identified in the credits. We immediately recognized them before Andy (I think i...
by bertilak
Mon Mar 13, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: I have to share this quote
Replies: 32
Views: 4466

Re: I have to share this quote

I am confused as why you require moving money from an IRA to taxable for AA target? Maybe I am not thinking about this because I only have Roths and taxable and have no reason to spend from a Roth until much later n life. It's the R in RMD: REQUIRED. "They made me do it!" I am required by...
by bertilak
Mon Mar 13, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Do I need a separate emergency fund?
Replies: 15
Views: 1393

Re: Do I need a separate emergency fund?

I don't think you need a separate emergency fund once your taxable account reaches the level you're talking about. While it's possible the perfect storm--an emergency requiring a very large withdrawal of cash during a major market downturn--could hit you, it's more likely that this WON'T happen to ...
by bertilak
Mon Mar 13, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: I have to share this quote
Replies: 32
Views: 4466

Re: I have to share this quote

This is a quote about gambling, but it perhaps it also applies to staying the course when the PEs are high: "I hope I break even, I can really use the money." -- averagefool, internet commenter. I know a lot of gamblers and they do come up with some peculiar notions. So are you taking pro...
by bertilak
Sun Mar 12, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5109

Re: Investing when market is peaking

So, we are at a market peak? I did not know that!

Perhaps I should sell everything and wait for the peak to pass.
by bertilak
Sun Mar 12, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 17
Views: 711

Re: Diversify Your Emergency Fund?

I find the idea a bit odd. The idea of an emergency fund is to put the money somewhere safe and liquid. Such places are available. Pick one and put your money there. If that place needs to have other diversifying counterparts then it isn't safe enough and you picked the wrong place to begin with. St...
by bertilak
Sat Mar 11, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2546
Views: 654999

Re: What Movie Have You Recently Watched?

OK, not a movie but a 13-episode British TV comedy: detectorists . (Lowercase is how they put it in the opening credits.) A detectorist is someone who looks for lost treasures and/or archeological artifacts with a metal detector. The show centers around two friends (Andy and Lance) who are members ...
by bertilak
Fri Mar 10, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2546
Views: 654999

Re: What Movie Have You Recently Watched?

OK, not a movie but a 13-episode British TV comedy: detectorists . (Lowercase is how they put it in the opening credits.) A detectorist is someone who looks for lost treasures and/or archeological artifacts with a metal detector. The show centers around two friends (Andy and Lance) who are members o...
by bertilak
Wed Mar 08, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I be distributed throughout the Style Map?
Replies: 6
Views: 313

Re: Should I be distributed throughout the Style Map?

The "default" allocation is to own the "Total Stock Market" aka TSM. This can be accomplished via any of the many TSM index funds available. Bogleheads tend to use Vanguard's version, VTSMX, minimum investment $3000, or if you have at least $10,000 VTSAX for its lower expense rat...
by bertilak
Mon Mar 06, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: QUICKEN failure today (3/6/2017)
Replies: 6
Views: 982

Re: QUICKEN failure today (3/6/2017)

macaroon wrote:It's fixed now, with no explanation of what happened.

Worked for me too.

All I see is this notice:
    This issue is now resolved and we apologize for any inconvenience. Thank you!
by bertilak
Mon Mar 06, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: QUICKEN failure today (3/6/2017)
Replies: 6
Views: 982

QUICKEN failure today (3/6/2017)

I just ran into this error when trying to update transactions: "Uh-oh, something went wrong" From Quicken's support pages: We're currently investigating an issue that's preventing users from logging into Quicken or Quicken.com, or updating or adding accounts, with Intuit ID. We're working ...
by bertilak
Mon Mar 06, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 1621

Re: Net Worth Calculation (Question/Opinion)

As an estimate of "how much cash / gold bars could I gather within a month if I needed to flee the country," then yeah I guess you could count it. A ne'er-do-well acquaintance of mine once showed me a fist-full of credit cards that he said was his get-away plan if he ever needed to vamoos...
by bertilak
Mon Mar 06, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3404

Re: At what age did you drop life and disability insurance?

The Big Company I worked for supplied life/disability insurance for me. That disappeared when I retired, to be replaced by a pension. As I (and I guess they) saw it the insurance was for loss of income. That can't happen with a pension IF the pension has joint survivor benefits (which mine does). A ...

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