Search found 4515 matches

by bertilak
Tue May 24, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 129
Views: 14878

Re: Does anyone use "Blue Apron"?

We did it for a couple of weeks. Ended up dropping it but that's just us. I can see how it might be great for some people. PRO: ⋅ Interesting new recipes we never had before. ⋅ Generally good quality food. ⋅ Reasonably easy to do. ⋅ Learn cooking techniques. &...
by bertilak
Mon May 23, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 337534

Re: What Movie Have You Recently Watched?

The Cheap Detective . This movie is an hilarious parody of two movie classics, Casablanca and The Maltese Falcon . Peter Falk plays the Humphrey Bogart character. I recommend this movie. Look up the rest of the cast on IMDB (http://www.imdb.com/title/tt0077321/?ref_=fn_al_tt_1). It is impressive. N...
by bertilak
Sun May 22, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Is this a dumb idea?? [Asset allocation for retirement]
Replies: 16
Views: 2081

Re: Is this a dumb idea??

Sounds like you created some buckets. Buckets are not needed except as a psychological crutch. If you need the crutch, then make buckets. Or talk to Uncle Drew. Real ballers get buckets. I get buckets. Me too. I see buckets as an analysis tool. Each bucket dedicated to a specific GOAL. Example: (I'...
by bertilak
Sat May 21, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?
Replies: 36
Views: 1939

Re: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?

I'd focus on getting on the job experience in cyber security initially. The job market seems to be good now, so get in while you can. The point of an MBA would be a backup plan if you want it. Let your company pay for it after you've established yourself. Cyber Security is hot now, but it won't be ...
by bertilak
Fri May 20, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: Costco AMEX Transition - Costco has no answers

I understand that's the date Amex is no longer accepted at Costco, but it's a bit silly that I can't use the cards until then. I guess I'll put a reminder in my phone. Its not silly. They are the same line of credit and the switchover between the two companies doesn't happen till that date. Still s...
by bertilak
Fri May 20, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: Costco AMEX Transition - Costco has no answers

I understand that's the date Amex is no longer accepted at Costco, but it's a bit silly that I can't use the cards until then. I guess I'll put a reminder in my phone. Its not silly. They are the same line of credit and the switchover between the two companies doesn't happen till that date. Still s...
by bertilak
Fri May 20, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?
Replies: 36
Views: 1939

Re: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?

An MBA will likely move you up a rung or two in your career -- if you are interested in a management position. I know some prefer to stay on the technical side of things. Any career, including Cyber Security, may or may not be on the management side. You will make it higher and earn more as a manage...
by bertilak
Thu May 19, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1460
Views: 752337

Re: The Three-Fund Portfolio

The VGTSX (Total Int'l Stock) has been dropping and dropping it seems like. I am getting frustrated with it. How much percentage is in everyone's 3 fund? Here's a thought that might ease the pain and frustration. The more poorly it does, the smaller percentage of your portfolio it becomes so the le...
by bertilak
Thu May 19, 2016 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 26
Views: 1935

Re: Proper Protocol to Handle Fender Bender

About RULE #1 I was involved in a fender bender. It was MY FAULT and I called the police and the insurance company before leaving the scene. Got an insurance claim number on the spot and gave that to the other party. Sent other party's insurance info to my insurance company. Best to let this stuff g...
by bertilak
Wed May 18, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 337534

Re: What Movie Have You Recently Watched?

Dark Passage -- Bogie and Bacall. First time I've seen it. That's number three of the four Bogie and Bacall films. It's the weakest of the four but it does complete my viewing of all of them. There really wasn't much chemistry or tension between the leads. There is a clever gimmick. For the first h...
by bertilak
Wed May 18, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1460
Views: 752337

Re: Adding More Funds?

Jack Traynor wrote: " The market itself is the simple optimal mean-variance efficient portfolio ." The three-fund portfolio already holds over 15,000 non-overlapping securities including all the stocks in NAESX . Those two quotes should be contemplated together! Focus on the parts I under...
by bertilak
Wed May 18, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2238

Re: Any beekeepers out there?

Another thing I learned about bees ... Background : The reason I got in touch with the beekeeper was that we had what I thought was a swarm of bees taking over our compost bin. The compost bin even looked like a beehive: same size and shape and even little slits on the side where bees went in and ou...
by bertilak
Wed May 18, 2016 8:04 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1460
Views: 752337

Re: The Three-Fund Portfolio

Taylor (or anyone), Have you ever thought about adding NAESX to the 3 fund to make it 4 funds? If so, what would be a good AA for an aggressive 31 yr old with your 3 fund + naesx. Thoughts? Thank you in advance! My thoughts? It's not likely to make any difference for two reasons: ⋅ Lookin...
by bertilak
Tue May 17, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 70
Views: 5659

Re: Arrgghhh !!! Windows 10 installed overnight

P.S. How do you find the original "desktop"? When I installed W10 the contents of my desktop vanished. Turns out there needed to be one more reboot and all was well. Seems like that final reboot should have been done automatically, but that didn't happen in my case. Once past that, there ...
by bertilak
Tue May 17, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2238

Re: Any beekeepers out there?

One thing I have learned already -- keep the hive away from a lawn that gets a regular mowing. The noise/vibration upsets the bees and they aggressively defend the hive. I guess it depends on the temperament of the bees, Ive mowed right next to mine and they could care less. Could be a difference i...
by bertilak
Tue May 17, 2016 6:00 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2238

Re: Any beekeepers out there?

Always been in the back of my mind. Sometime this month a local beekeeper will be setting up a hive on my property. It will be her hive and I am not to mess with it. In return she will supply me with honey. Also, I will get to observe how she manages it. A learning experience. One thing I have learn...
by bertilak
Mon May 16, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: The predictability (or not) of the value premium
Replies: 3
Views: 447

Re: The predictability (or not) of the value premium

http://www.etf.com/sections/index-investor-corner/swedroe-honing-on-value?nopaging=1 Hope you find this of interest. IMO the study shows one of the reasons so few actually earn the value premium, it takes patience. Larry Larry, is it right to consider the need for patience a form of risk? In other ...
by bertilak
Mon May 16, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 3517

Re: What % do you have in alternatives? REITs, commodities, etc.)

RETIs:
    According to Personal Capital my VTSAX (Total US stock market) is 4% REIT. If developed International stocks (VTMGX) are included it is about 3%. Overall, in my 60/40 portfolio, it is about 2%
Commodities and anything else:
    None
by bertilak
Mon May 16, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: question about vanguard account
Replies: 8
Views: 662

Re: question about vanguard account

If you like to buy and sell frequently, I don't think you would be satisfied with V. There may be a charge if you sell within a short time period, perhaps 60 days, as they seem to discourage active trading. If you buy and hold, that should not be a problem. No personal experience here, as I prefer ...
by bertilak
Sun May 15, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 337534

Re: What Movie Have You Recently Watched?

Stumbled across Princess Bride (again) last night. It met my inflated expectations for the Nth time. For me, this is one of those movies that, when you stumble across it, you can't stop watching. As Grandpa (Peter Falk) explains: "Fencing, fighting, torture, revenge, giants, monsters, chases, e...
by bertilak
Sun May 15, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Off Your Mortgage
Replies: 7
Views: 1334

Re: Paying Off Your Mortgage

Another reason to consider paying off your mortgage near or before retirement is that you may lose the deductibility of the interest, or lose some of its value. If your income decreases in retirement, you will be in a lower tax bracket, reducing the value of deductions. In addition, you will pay le...
by bertilak
Sat May 14, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: Have you heard of "Motif" investing?
Replies: 9
Views: 1172

Re: Have you heard of "Motif" investing?

Have you heard of this and what are your thoughts? "What’s a motif? A motif is a basket of up to 30 stocks or ETFs intelligently weighted to reflect an investment theme, market insight or innovative trend. Choose from one of our professionally built motifs, customize, or design your own. Then ...
by bertilak
Fri May 13, 2016 8:48 am
Forum: Investing - Theory, News & General
Topic: Why do dividends vary so much?
Replies: 7
Views: 773

Re: Why do dividends vary so much?

I have a taxable accounts holding Vanguard Total International and Vanguard TSM. I am kind of surprised that quarterly dividends vary so much. For instance, the last two for Total International: Mar. 2016 $686 Dec. 2015 $1683 Why so much difference quarter to quarter? From Vanguard's Tax Center, my...
by bertilak
Thu May 12, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: A Question about American Express Replacement Cards

Isn't that much like a Costco AMEX (and soon to be CITI)? No, the Costco TrueEarnings was issued by AmEx. The Macy's AmEx is not. By "much like" I was referring to the fact that Both cards were "branded" (Costco, Macy's) but were not issued by the company with the brand. Costco'...
by bertilak
Thu May 12, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: Costco AMEX Transition - Costco has no answers

I'm not sure what a "Fidelity AMEX" is. I didn't think AMEX worked through other financial institutions like Visa or Master Card. I could be wrong! If I understand your comment I believe you are mistaken. I have an AMEX card that is also a Macy's Department Store card. I suspect that ther...
by bertilak
Thu May 12, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: Costco AMEX Transition - Costco has no answers

I'm not trying to maintain or care about any AMEX history. All I want to know is : I am a current Costco member without the Costco AMEX card. Is it possible to apply for the Costco VISA before 6/20? (Fidelity AMEX earned 2% while Costco's earned 1% at Costco, so I didn't bother getting Costco AMEX)...
by bertilak
Thu May 12, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: Costco AMEX Transition - Costco has no answers

How to apply for this card if I don't currently have the Costco AMEX? I guess I need to wait until June 20 when it is available? All the FAQ assumes you are a current AMEX cardholder. I suspect you can only get the car by joining Costco. Costco and CITI had extensive negotiations over the details o...
by bertilak
Thu May 12, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: A Question about American Express Replacement Cards

I'm thinking about getting a replacement Amex card just to keep my long credit history for the record (and hopefully help increase my credit score). But I don't want to give up my current Costco card that will automatically switch over to Citibank Visa and keep all the Costco benefits going. Also, ...
by bertilak
Thu May 12, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: Costco AMEX Transition - Costco has no answers

How to apply for this card if I don't currently have the Costco AMEX? I guess I need to wait until June 20 when it is available? All the FAQ assumes you are a current AMEX cardholder. I suspect you can only get the car by joining Costco. Costco and CITI had extensive negotiations over the details o...
by bertilak
Thu May 12, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 25940

Re: Poll: Let's talk wristwatches

ResearchMed's signature wrote:This signature is a placebo. You are in the control group.

Are you sure I'm in the control group? Because from here it seems to be working as it should.
:beer
by bertilak
Wed May 11, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: higher ER but more shares or lower ER with less shares?
Replies: 10
Views: 1780

Re: higher ER but more shares or lower ER with less shares?

I currently have about a 90/10 split of stocks and bonds in my roth IRA (total US stock index admiral, total international index admiral, total bond index) and was considering adding vanguard high dividend yield fund into the mix. The VG high dividend yield index fund has an ER of 0.16% with a pric...
by bertilak
Wed May 11, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4001

Re: When do you use cash, when a credit card?

I am the treasurer for an HOA and collect dues, Almost everyone sends a check, a few use PayPal (boy am I modern!) and once in a while a homeowner pays in cash. That annoys me because it is too much trouble for me to drive to the bank to deposit it. I have to keep the cash and then pay from my check...
by bertilak
Wed May 11, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24176

Re: A Question about American Express Replacement Cards

For those who have replaced their AE/Costco card with another AE offering, has it been your experience that the account history was not "restarted" and your new AE will just be adding to your existing AE account history? I have (and have had over the years) multiple AMEX cards. AMEX still...
by bertilak
Wed May 11, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 25940

Re: Poll: Let's talk wristwatches

Just curious if anyone wants to update this thread their input as it is few years old. With the advent of cellphones, are watches passe? ... I used to wear a Casio G-Shock (maybe still in a drawer?); but, sometime in the 90s, I got a cellphone. That was the last time I wore a wristwatch. I think th...
by bertilak
Tue May 10, 2016 9:06 am
Forum: Investing - Theory, News & General
Topic: Don't stay the course
Replies: 118
Views: 16362

Re: Don't stay the course

coachz wrote:Absolutely, I agree, but we cannot redefine what the term 'safe' means regarding the investment itself. "Junk Bonds" will never be 'safe'.

Exactly what I meant by "inherently risky or safe" so I wasn't expecting that "but."
by bertilak
Tue May 10, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Don't stay the course
Replies: 118
Views: 16362

Re: Don't stay the course

I'm no expert so maybe some others can chime in about safety. I have learned much about risk though and when describing investments the term 'safe' is usually reserved for treasuries and guaranteed high quality fixed income instruments. Equities are not typically described as 'safe' because of thei...
by bertilak
Mon May 09, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Don't stay the course
Replies: 118
Views: 16362

Re: Don't stay the course

coachz wrote:I had #12 in September, tornado'd !!
http://imgur.com/doKtrr1

Yow!

I can guess that insurance did not make you completely whole.
by bertilak
Mon May 09, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Don't stay the course
Replies: 118
Views: 16362

Re: Don't stay the course

In my opinion, change only in response to life events, not to market events. L. I'll add: Life events seem to come up often! ⋅ Job Changes, good or bad ⋅ Marriage ⋅ Children ⋅ Education Expenses and/or Loans (yours and/or kids) ⋅ Homeowner Mortgages...
by bertilak
Mon May 09, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 21
Views: 2143

Re: Alternatives to Quicken 2016?

thanks for all the responses. Based on them, I decided to take a chance and just bought premier 2016 on ebay for $49. I'll make sure to backup my files thoroughly first! I have upgraded in the past by simply installing the new version and not uninstalling the old first. If anyone has any tips on do...
by bertilak
Sun May 08, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15746

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

scottj19707 wrote:Speculation, pure speculation... he's working on a book about factor-based investing.

It is to be called "All About The POWER of Technical Analysis -- Invest When The Star Charts Are Right For YOU!"
by bertilak
Sun May 08, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 21
Views: 2143

Re: Alternatives to Quicken 2016?

Quicken 2016 Premier here. Overall I am satisfied. There have ALWAYS been bugs, but so far no bug has ever compromised my data. When I have had problems Quicken tech support has always been good. Real English spoken. Technically capable of solving the problems with higher-level support always at han...
by bertilak
Sun May 08, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Best bank for Home owners association banking
Replies: 10
Views: 715

Re: Best bank for Home owners association banking

Yes, we file a yearly form with the State listing the HOA officers. The major purpose seems to be to pay the state $25. At our current bank (CU), it seems sufficient for the person with the current authority to show up and vouch for the new person. In any event, the state forms are online and the b...
by bertilak
Sun May 08, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15746

Re: Where is Rick Ferri?

I have a ton of respect for Rick, having followed him here for many years and having spent time with him at Diehards V - the Bogleheads reunion held in Las Vegas in 2006. I don't want to speculate in a public forum, but a thorough reading of Portfolio Solutions most recent Form ADV may help those i...
by bertilak
Sun May 08, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 4 — Stocks Always Beat Bonds?
Replies: 14
Views: 1924

Re: Classic Bernstein 4 — Stocks Always Beat Bonds?

Could it be that the few 30-year periods where bonds outperformed stocks were periods that started at the peak of a market boon? Perhaps with a simultaneous bottom in bond rates. Of course such peaks are only apparent in hindsight. :( Did any of those 30-year periods have negative returns? Might reb...
by bertilak
Sun May 08, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Best bank for Home owners association banking
Replies: 10
Views: 715

Re: Best bank for Home owners association banking

I am the President and Grand Poohbah of our HOA. We use the closest local credit union. No fees. 200 yards down the street. It's just so much easier to deal with yearly changes in the treasurer and other officers if you can just go down the street, show your IDs, and be done. Our yearly cash flow i...
by bertilak
Sat May 07, 2016 5:04 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1460
Views: 752337

Re: The Three-Fund Portfolio

I now understand the implication of managing across tax and tax deferred accounts using Target Funds. I basically am forced to manage separate buckets with Target Funds sitting in Tax advantaged accounts and becoming core holding. What exactly is being forced? Use of multiple accounts, both taxable...
by bertilak
Fri May 06, 2016 4:28 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 52
Views: 5015

Re: Revealing Usernames

I know members are reading this thread, as I've been contacted by a few already. :) retiredjg - I see your point, but wouldn't your suggestion be better located in the forum policy, specifically in the Usernames (accounts) section? Remember that the registration intro says: You agree to abide by th...
by bertilak
Fri May 06, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: BUFFETT: This is the most important investment lesson in the world
Replies: 13
Views: 3154

Re: BUFFETT: This is the most important investment lesson in the world

The article's author gets it screwed up in the reporting. The hedge fund charges are not 2-3% of annual returns. They are typically 2% of assets ! In today's environment, that's a huge percentage of most investors returns. He did get the basic conclusion right though. It's worse than that. Hedge fu...
by bertilak
Fri May 06, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: BUFFETT: This is the most important investment lesson in the world
Replies: 13
Views: 3154

BUFFETT: This is the most important investment lesson in the world

Buffet weighs in on investment advice ...

http://finance.yahoo.com/news/buffett-m ... 51601.html

Maybe we can't invest like Buffett but we can invest like Buffett recommends.
by bertilak
Fri May 06, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 3824

Re: Retirees: Who's not changing their AA, ever?

I'm 66 and retired for 5 years and have no plans to change my 50/50 asset allocation. I'm curious who expects to keep their AA constant over the long, long haul? I know many would say "you never know" but I'm interested in hearing from those who pretty much are staying put. What is your A...

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