Search found 4442 matches

by bertilak
Fri Apr 29, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 179
Views: 14802

Re: Netflix, Your Current Favorite Show

Occupied - (10 episodes) https://netflixtvshowsreview.com/2016/01/occupied-tv-series-norways-political-thriller-on-netflix/ We started watching Occupied, currently up to episode 3. My only complaint is not understanding the language and having to turn on captions and read the lines. Seems like a ve...
by bertilak
Thu Apr 28, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: koobface anyone?
Replies: 3
Views: 322

Re: koobface anyone?

miles monroe wrote:download malwarebytes (free). that ususally takes care of the bad guys.

Been there all along -- Premium version.

Also occasionally run AdwareCleaner.
by bertilak
Thu Apr 28, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: koobface anyone?
Replies: 3
Views: 322

koobface anyone?

Hi all. I've been told my system is infected with koobface and I need to spend anywhere from $300 to $800 to get rid of the infection, clean up the mess, and subscribe to ongoing protection. Ordinarily, if I got unsolicited advice like that I would brush it off as a scam. In this case, I was having ...
by bertilak
Thu Apr 28, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: New Investor, How to allocate my Vanguard Roth
Replies: 3
Views: 305

Re: New Investor, How to allocate my Vanguard Roth

Jake, welcome to Bogleheads! First thing I would do is figure out what that all adds up to as a stock/bond split. 50/50? 60/40? 70/30? etc.? That is probably THE MOST IMPORTANT thing to know and control yet it isn't made clear in your post. It should encompass everything you have to invest as a whol...
by bertilak
Wed Apr 27, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Watch Out for Cancellation of Autopay on old Amex Costco Cards
Replies: 9
Views: 885

Re: Watch Out for Cancellation of Autopay on old Amex Costco Cards

Just checked mine. AMEX says next autopay is scheduled for 6/3 so apparently not cancelled yet and most likely not until after 6/3.
by bertilak
Mon Apr 25, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 132
Views: 13231

Re: Stanley Kubrick's 2001 a space odyssey

I saw it the first weekend it came out. I *loved* it, my girlfriend hated it. I've probably seen it 15 times since then, and it made me a lifelong Kubrick fan. Still married to her, and she still hates it. :happy Saw it with my wife (girlfriend at the time) and sister. They both walked out during t...
by bertilak
Mon Apr 25, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Volkswagen DieselGate Compensation - Any Tax Implications?
Replies: 20
Views: 1866

Re: Volkswagen DieselGate Compensation - Any Tax Implications?

Although any future buyback and/or payment for loss of value ($5000?) would not be taxable, what about the $1000 we have already received as a good will gesture by VW? From TDI Goodwill Package FAQ 11. Do I have to claim the TDI Goodwill Package on my taxes? A 1099 form will not be issued for the T...
by bertilak
Mon Apr 25, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: "8 Reasons You Should Be Your Own Financial Advisor"
Replies: 5
Views: 1480

Re: "8 Reasons You Should Be Your Own Financial Advisor"

M favorite quote from the article:

With personal finance and investing, the law of diminishing returns kicks in surprisingly early.


Actually, it was a hard call. There are many great points made in the article.
by bertilak
Mon Apr 25, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Volkswagen DieselGate Compensation - Any Tax Implications?
Replies: 20
Views: 1866

Re: Volkswagen DieselGate Compensation - Any Tax Implications?

Although any future buyback and/or payment for loss of value ($5000?) would not be taxable, what about the $1000 we have already received as a good will gesture by VW? From TDI Goodwill Package FAQ 11. Do I have to claim the TDI Goodwill Package on my taxes? A 1099 form will not be issued for the T...
by bertilak
Sun Apr 24, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth on why bond funds are better than individual bonds
Replies: 63
Views: 4638

Re: Alan Roth on why bond funds are better than individual bonds

goingup wrote:Try as I might, I can no longer outflank the WSJ paywall. :annoyed

Google search of

    5 Reasons Bond Funds Beat Individual Bonds
Worked for me,
by bertilak
Sun Apr 24, 2016 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Early pension vs Normal Age- why so similar
Replies: 10
Views: 882

Re: Early pension vs Normal Age- why so similar

jmk wrote:
bertilak wrote:Shouldn't "Years of Service" be 10 greater for age 62 than 52?Also, there will probably be 10 years worth of raises to bump up the "Average Monthlyt.


No because I no longer work there.

That puts it in a different light.
by bertilak
Sun Apr 24, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: how do people keep AA constant with ongoing contributions?
Replies: 23
Views: 1731

Re: how do people keep AA constant with ongoing contributions?

I understand how rebalancing works. What I don't understand is how people allocate contributions so as not to cause their AA to get out of whack. In most discussions of rebalancing that I've seen, the allocation is assumed to get out of balance due to market fluctuations, not contributions coming i...
by bertilak
Sat Apr 23, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 88
Views: 7200

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

FWIW, altering your AA based on your age or retirement status is not market timing, if it's part of your plan. Taking some of the chips off the table when you're well ahead is not market timing. I call that "investor timing." One's investments need to take into account one's situation. If...
by bertilak
Sat Apr 23, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 36
Views: 2952

Re: Want to buy a home safe - advice?

Even worse when the burgles steal the safe they will push it end over end down the stairs destroying the stairs in the process. This happened to a person who posted about the aftermath on a message board, I believe the damage to the stairs and wood flooring exceeded the value of what was in the saf...
by bertilak
Sat Apr 23, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 1936

Re: Will Chip + Sign CC work in Europe?

I took a trip to Germany. Before I left I called AMEX and asked for a card that would work there. They sent me one. It has a chip but I really don't know exactly what kind of card it is. I was asked to sign the CC receipt but don't remember if that was everywhere or just some places. I didn't pay mu...
by bertilak
Sat Apr 23, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Early pension vs Normal Age- why so similar
Replies: 10
Views: 882

Re: Early pension vs Normal Age- why so similar

Shouldn't "Years of Service" be 10 greater for age 62 than 52?

Also, there will probably be 10 years worth of raises to bump up the "Average Monthly Compensation" which should also bump up the ultimate benefit.
by bertilak
Fri Apr 22, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1883

Re: Pop up ads driving me nuts! Please help

For adware: https://toolslib.net/downloads/viewdownload/1-adwcleaner/ I have been using it for a few years. Safe and reliable. Do be careful as you step through the process (Scan then Clean). Nothing happens until you click "Clean." I always look at what will be cleaned before letting it d...
by bertilak
Fri Apr 22, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7043

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

The best day to plant a tree was 20 years ago; the next best day is today.
-- Old Chinese Proverb
by bertilak
Fri Apr 22, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Volkswagen DieselGate Compensation - Any Tax Implications?
Replies: 20
Views: 1866

Re: Volkswagen DieselGate Compensation - Any Tax Implications?

From my VW dealer: http://www.imakenews.com/hewlettvwflwup/index000764253.cfm?x=bqfNjH6,bgs5pWnK Cannot be summarized any further, so read it. Final two paragraphs: The truth is anything you might have heard or read that is not contained in Judge Breyer’s statements above is pure speculation. The wa...
by bertilak
Fri Apr 22, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Volkswagen DieselGate Compensation - Any Tax Implications?
Replies: 20
Views: 1866

Re: Volkswagen DieselGate Compensation - Any Tax Implications?

I'd like the $5,000 and then be left alone! I will be unhappy if the only choice boils down to getting some sort of fix that messes with the drivability. I bought the car for several reasons but that was at or near the top of my list -- kind of tied with interior comfort, especially the back seat. I...
by bertilak
Fri Apr 22, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 88
Views: 7200

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

Reducing equity allocation is the best strategy for dealing with Sequence of Return Risk. Note also that "near retirement" is not the only time where SoR risk comes in. EVERY DAY is the first day of the remaining part of your retirement so every day is subject to SoR risk. About VWR: My in...
by bertilak
Thu Apr 21, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Entering the market: lump sum vs DCA vs tactical asset allocation
Replies: 19
Views: 1095

Re: Entering the market: lump sum vs DCA vs tactical asset allocation

Excellent original post by noa! Great summary about lump sum and DCA! You are very accurate in your analysis! You have done your homework! So, after such an excellent OP and a good understanding of yourself and the strategies, you can make an informed decision for yourself. There is a very heavy bi...
by bertilak
Thu Apr 21, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Entering the market: lump sum vs DCA vs tactical asset allocation
Replies: 19
Views: 1095

Re: Entering the market: lump sum vs DCA vs tactical asset allocation

So, "magic metrics" instead of "magic numbers." Not sure I see the advantage (or ultimate difference). I don't believe that Shiller P/E is a "magic metric" nor that it can be used reliably for market timing. Unfortunately, there is one occasion where it is *necessary* ...
by bertilak
Thu Apr 21, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with Options Trading?
Replies: 36
Views: 2441

Re: Should I bother with Options Trading?

You should try it to find out that you will hate it. There's nothing like personal experience and losing money as a teaching tool. That's what I did. I suggest limiting the amount of money you put at risk for this experiment. I found it a HUGE amount of work and it caused a HUGE amount of stress. I...
by bertilak
Thu Apr 21, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Entering the market: lump sum vs DCA vs tactical asset allocation
Replies: 19
Views: 1095

Re: Entering the market: lump sum vs DCA vs tactical asset allocation

... incorporating the best valuation metrics available to "DCA" into the target AA rather than picking "magic numbers" as in regular DCA. So, "magic metrics" instead of "magic numbers." Not sure I see the advantage (or ultimate difference). If those metrics a...
by bertilak
Tue Apr 19, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3449

Re: What is "wrong" with having more funds in a portfolio?

This hopefully demonstrates how I arrived at so many funds and shows exactly why I'm having a tough time narrowing down the funds. If there is any advice for this type of situation, I'd love to hear it. I see more room for cutting on the equity side due to overlap, but I'm having a lot more trouble...
by bertilak
Tue Apr 19, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3449

Re: What is "wrong" with having more funds in a portfolio?

Why have 24 when 3 will do the same job is the more appropriate question. Simplicity, easier to rebalance and keep track of etc. A 3 fund approach would not align with the asset allocation that I have chosen Then there is nothing wrong, per se, with more than three funds except that maybe (as you m...
by bertilak
Tue Apr 19, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2895
Views: 603089

Re: U.S. stocks in freefall

a once in a lifetime buying opportunity is coming. You may be 100% right about this... But what you should have learned is that "timing" the market is near impossible. I'm 50/50 stocks/bonds because I also fully expect a crash someday. But I don't know when, so I'm still holding on to my ...
by bertilak
Sun Apr 17, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 56822

Re: Free Windows 10 Upgrade, Yes or No?

One other thing has cropped up lately. Occasionally the start menu stops working. Clicking on the Windows button (lower left) does nothing. Nor does Cortana work. There are numerous complaints about this on the Internet with several fixes given. All of the fixes end with a restart. Turns out, for m...
by bertilak
Sun Apr 17, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Pension going from Vangard to AON Hewitt
Replies: 7
Views: 875

Re: Pension going from Vangard to AON Hewitt

My daughter's 401(k) is through Aon Hewett. They have a decent selection of funds, including Vanguard funds. There is room for confusion because they have them "packaged" differently. Here is the footnote they have for "Vanguard Total Stock Market Index" The net asset value (NAV)...
by bertilak
Sat Apr 16, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: The Problem with Raw Returns in a Backtest
Replies: 19
Views: 1897

Re: The Problem with Raw Returns in a Backtest

Rick Ferri wrote:... it's what you don't see that gets you.

Reminds me of a favorite quote:

    Whenever things sound easy it turns out there's one part you didn't hear.
    -- Donald E. Westlake via John Dortmunder
by bertilak
Sat Apr 16, 2016 2:46 pm
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 3516

Re: DCA considerations

I was thinking about this some more and one other idea that occurred is that the question may not really be a question about a tactic but is really a question about how to know what is the right asset allocation. A person who knows with confidence that they want to be allocated a certain way would ...
by bertilak
Fri Apr 15, 2016 8:06 pm
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 3516

Re: DCA considerations

iceport wrote:
dbr wrote:We could also use such techniques as withdrawing all the money once it is invested and repeating the process of phasing in the investment.

This is not a serious discussion at this point.

So, doing so once is a serious possibility but doing so twice (or more) is not?
by bertilak
Fri Apr 15, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 14
Views: 1166

Re: Help please - Vanguard money market causes Quicken to be incorrect

For what it's worth, here is the data Vanguard sends to Quicken for a dividend that goes to cash and is then swept into the MM fund: <INCOME> <INVTRAN> <FITID>228879452<DTTRADE>20160401160000.000[-5:EST] <DTSETTLE>20160401160000.000[-5:EST] <MEMO>DIVIDEND PAYMENTDIVIDEND PAYMENT</INVTRAN> <SECID><UN...
by bertilak
Wed Apr 13, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 14
Views: 1166

Re: Help please - Vanguard money market causes Quicken to be incorrect

Then, a 'fix' was introduced by Vanguard. Sort of worked but still required a good bit of adjustment. I finally threw in the towel and concluded - don't need it. Since I'm a buy and hold investor for the most part, manually entering the transactions isn't such a chore. I put up with the one difficu...
by bertilak
Wed Apr 13, 2016 6:15 am
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 3516

Re: DCA considerations

Dollar cost averaging is purchase price diversification . So, for a 6 month DCA, with monthly buys, your overall purchase price is the average of the prices for each of the six purchases. Agreed. Assuming that's a good thing, wouldn't it have been better diversification to have 12 purchase over a y...
by bertilak
Tue Apr 12, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 1968

Re: what is the draw of active management?

1530jesup wrote:
bertilak wrote: (Whenever things sound easy it turns out there's one part you didn't hear. -- John Dortmunder aka Donald E. Westlake)

the heck with the financial advice, I am impressed there is another person here that knows of Donald Westlake

You may also enjoy Richard Stark. :twisted:
by bertilak
Mon Apr 11, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 1968

Re: what is the draw of active management?

... is there some other psychological factor that draws people to active management? If the sales pitches are true, you will soon be living the Life of Riley in the Lap of Luxury on the Good Ship Lollipop and all your money problems will be over. The future is no longer a worry. If you ever feel ba...
by bertilak
Mon Apr 11, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 14
Views: 1166

Re: Help please - Vanguard money market causes Quicken to be incorrect

Yes, VG and Quicken don't play nice together when it involves a sweep transaction. In my case the buy of the MM fund turns itself into a cash transfer into the cash balance of another Vanguard account! This happens when dividends are NOT reinvested. I just delete those downloads and add the buy tran...
by bertilak
Mon Apr 11, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 387
Views: 51454

Re: "Vanguard converting mutual fund accounts to brokerage?

Question: Can you have a margin account in a Vanguard taxable mutual fund account? Yes. You need to apply to VBS. I had one as the administrator of a trust (now gone). EDIT: There were TWO trust accounts, the old-sryle two-part arrangement, in case you were making that distinction. Both had the mar...
by bertilak
Mon Apr 11, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: Rebalancing for Newbie
Replies: 2
Views: 288

Re: Rebalancing for Newbie

As a newbie to index investing I'm trying to get a handle on the specifics of rebalancing. My 401(k) administrator website indicates the percentages of each asset class I own and provides the options of (1) changing the way current investments are allocated, or (2) changing the way future contribut...
by bertilak
Mon Apr 11, 2016 10:25 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 387
Views: 51454

Re: "Vanguard converting mutual fund accounts to brokerage?

... It's sometimes more than one day. ... There is another, similar, consideration relating to the difference between margin and non-margin accounts. Back when I was with Schwab I used to be a more active trader and would sometimes do same-day swaps from one asset to another. In my taxable account,...
by bertilak
Mon Apr 11, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 387
Views: 51454

Re: "Vanguard converting mutual fund accounts to brokerage?

I might have missed it in this thread, but what is the benefit to Vanguard for starting these conversions? Why are they doing this? Whenever I'm told that something will benefit me, I always wonder about the other side. Simplified systems is my guess. They have two and it's quite awkward. There use...
by bertilak
Sun Apr 10, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe
Replies: 33
Views: 3125

Re: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe

Why? Because the passive part returned 10.0% and the total market returned 10.0%. So the active part had to return the same. I also did not follow that assertion. Just like some people can beat the stock market for short duration by investing in individual stocks, some active funds can provide bett...
by bertilak
Sun Apr 10, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 56822

Re: Free Windows 10 Upgrade, Yes or No?

I upgraded two systems to Win 10 from 8.1. In both cases the upgrade went fine except for one thing -- I needed to manually do a final (extra?) reboot before all my settings and icons came back. It was like being in a new login account. Perhaps there was some obvious notice or instruction I missed b...
by bertilak
Sat Apr 09, 2016 5:59 pm
Forum: Investing - Theory, News & General
Topic: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe
Replies: 33
Views: 3125

Re: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe

You seem to be putting artificial constraints on the "passive" investor. Passive investors are defined as those who invest in (various) index funds, not actively traded funds. You seem to be stipulating that the passive investor holds only "total market" funds. Is this your argu...
by bertilak
Sat Apr 09, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe
Replies: 33
Views: 3125

Re: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe

You seem to be putting artificial constraints on the "passive" investor. Passive investors are defined as those who invest in (various) index funds, not actively traded funds. You seem to be stipulating that the passive investor holds only "total market" funds. Is this your argu...
by bertilak
Sat Apr 09, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: switch from 30 year fixed mortgage to 7 year arm?
Replies: 23
Views: 1449

Re: Help needed: switch from 30 year fixed mortgage to 7 year arm?

No mater how you swizzle the mortgage you will still have the same amount of equity, less closing costs and unless you dump more money into the principle, and equity is what determines how much you will need to pay off if you sell. So, the simplest thing is to over-pay the mortgage. Use a mortgage c...
by bertilak
Sat Apr 09, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe
Replies: 33
Views: 3125

Re: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe

I found this part of the article (at the end) interesting: "Let me conclude with the obvious question: Should everyone index everything? The answer is resoundingly no. In fact, if everyone indexed, capital markets would cease to provide the relatively efficient security prices that make indexi...

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