Search found 4283 matches

by bertilak
Fri Feb 05, 2016 2:56 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 15
Views: 1289

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: 15
Views: 1289

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: 15
Views: 1289

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: 1607

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: 15
Views: 1289

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: 21
Views: 1083

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: 260

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: 305

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: 305

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: 782

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: 9853

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: 723

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: 4922

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: 1941

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: 1253

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: 1378

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: 1387

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: 1598

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: 309

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: 177
Views: 8980

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: 177
Views: 8980

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: 6268

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: 6268

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: 6268

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: 1320

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: 1706

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: 1502

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: 82
Views: 6502

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: 422

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: 422

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: 422

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: 2296

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: 422

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: 10158

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: 10158

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: 10158

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...
by bertilak
Mon Jan 18, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Buckets for a retiree?
Replies: 55
Views: 4688

Re: Buckets for a retiree?

Don't forget that at 70 1/2 you have to start to take out RMDs. This can be used to pay for additional spending requirements or for savings. I'm 72 and retiring in June this year. I have pensions and full SS and I'm not sure what I'll do with the RMD - possibly park it in my Barclays Savings accoun...
by bertilak
Sat Jan 16, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 2430

Re: Encryption of Data

So yes, the malware could destroy the vault, but that was not the question posed by the OP. The OP's backup schemes are the primary protection against destruction. Agreed, thanks for the clarification And of course anyone who has access to your computer (by remote intrusion or physical presence) ca...
by bertilak
Fri Jan 15, 2016 7:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6268

Re: Where is YDNAL?

I did a google search for "YDNAL LANDY" and go lots of hits. Didn't follow up on any of them but some looked like possibilities: Facebook, Twitter, Google+, MySpace.

Maybe some budding detective can run with all that.
by bertilak
Fri Jan 15, 2016 6:25 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6240

Re: What would you tell your 25 yr old self?

Your TV will be responsible for exactly 0 of the top 10,000 moments in your life. I take it you've not watched Breaking Bad then? Great answer! On a (slightly) more serious note ... I think television, especially with its mini-series format, has taken over from movies for the top spot in filmed fic...
by bertilak
Fri Jan 15, 2016 5:59 am
Forum: Investing - Help with Personal Investments
Topic: noob - What funds should I choose? Added husband's info
Replies: 6
Views: 588

Re: noob - What funds should I choose?

Spouse contributes 5% of his salary and gets a 5% match at his employer. I don't have the details about the balance (upper four figures probably) or how it's invested. I'm trying to get mine set up first. You should talk this over with your spouse. Your investments should be looked at as a single n...
by bertilak
Thu Jan 14, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: "It's a Perfect Strategy for My Enemies" [Scott Adams on Active Management]
Replies: 73
Views: 7070

Re: "It's a Perfect Strategy for My Enemies"

WINTHROP: What band? HAROLD: I always think there’s a band, kid. BIG fan. https://s-media-cache-ak0.pinimg.com/736x/b4/28/55/b42855f0842cca2b4fe4deea14be4800.jpg Maybe I should go buy some Wells Fargo stock. O-ho the Wells Fargo Wagon is a-comin' down the street, Oh please let it be for me!
by bertilak
Thu Jan 14, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Safety of Windows Defender
Replies: 34
Views: 2477

Re: Safety of Windows Defender

Toms Guide and others do not rate it highly. http://www.tomsguide.com/us/windows-defender,review-2209.html http://www.pcmag.com/article2/0,2817,1926596,00.asp AV-Test Institute rates products in three areas, protection, performance, and usability, with six points possible in each area. Windows Defe...
by bertilak
Thu Jan 14, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3685

Re: Does a BH play the lottery?

Well, I never buy a ticket but I figure my chances of winning are about the same as those who do buy tickets!

So I can dream as much as anyone. :moneybag
by bertilak
Wed Jan 13, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6240

Re: What would you tell your 25 yr old self?

Would have been a waste of time to tell my 25 year-old self much of anything!
by bertilak
Tue Jan 12, 2016 11:30 pm
Forum: Investing - Theory, News & General
Topic: why do investors prefer cash dividends
Replies: 272
Views: 16081

Re: why do investors prefer cash dividends

I actually have much more in DM (ex-US) than EM presently, and probably close to 30-35% international but I have decided not to put in additional contributions into DM and will probably switch a good chunk of my DM to EM. I grew up in Africa and India and I am comfortable with taking on what you ca...
by bertilak
Tue Jan 12, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: why do investors prefer cash dividends
Replies: 272
Views: 16081

Re: why do investors prefer cash dividends

A lot of Bogleheads like to take indexing to the extreme and stop thinking about first principles. What companies are we talking about internationally, how are their risk exposures different from the US, what risks are we protecting against, what is the probability of that happening, which stock ma...
by bertilak
Tue Jan 12, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5764

Re: Retired Bogleheads -- How much did you spend last year?

I keep hoping to reach a "steady state" so I can give a meaningful answer to that! Over the past two years I had to replace my entire septic system at a cost of almost $30K and I paid down my mortgage by $180K. Still some outstanding work for the place where the new septic system went. Mor...
by bertilak
Tue Jan 12, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: Do Emergency Funds Count as a part of Retirement portfolio?
Replies: 35
Views: 2486

Re: Do Emergency Funds Count as a part of Retirement portfolio?

I am retired and do maintain a cash balance as part of my portfolio. I allocate it as a small sub-allocation of my fixed income portion. It serves as an emergency fund in that IF I need to spend some of my nest egg I can take it from the cash balance without having to sell any of my "invested&q...

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