Search found 611 matches

by digarei
Sat Sep 23, 2017 5:55 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3420

Re: AA if you were just starting out again

I'm wondering just how good new information is in choosing an asset allocation (AA) vs experience. So, if starting all over again, would you use the same AA as you had before, or would you change it? What has experience taught you about risk and AA? Are the available information and the risk questi...
by digarei
Fri Sep 22, 2017 7:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Oct 14, 2017
Replies: 0
Views: 88

Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Oct 14, 2017

...... Announcing the 31st meeting of the... ...... S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ . . . . . . . . . . This event . . . . . . . . . . Date: Saturday, Oct 14, 2017 Time: 10:30 AM - 12:30 PM Optional lunch follows. Midtown Sacram...
by digarei
Thu Sep 21, 2017 5:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 57
Views: 6351

Re: [Virtual online chapter - Master thread]

1c My thanks to lazylarry for hosting yesterday's meeting of the Virtual Online Bogleheads Chapter. For now, this may be the only venue where one can meet Bogleheads from other cities and towns face to face without incurring the cost of an airline ticket and hotel room. Not having experienced video...
by digarei
Thu Sep 21, 2017 5:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads - FAQs
Replies: 1
Views: 1269

Sacramento Area Bogleheads - Investor Resources

. • • SABH Investor Resources (28 Pretty Good Links) SABH LtrHead 400 5wDxN1j http://I.imgur.com/5wDxN1j.jpg • • • • Bogleheads ! :D . ... • • • little worth knowing is omitted or secreted away... • • • forum & wiki attract the more financially-inclined . . . . . . . . . . . . . . . . . . . . . . ....
by digarei
Wed Sep 20, 2017 9:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

. Alt color ECF3F7 Some counterfeits are easy to detect... If you were to invest with this charlatan the risk of receiving a 0% return is close to 100% Liar1 399x638 http://I.imgur.com/A8lOeqQ.png http://I.imgur.com/FM9b4w9.png Liar2 399x638 But how does one measure the risk of a legitimate investm...
by digarei
Sat Sep 16, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5009

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Mother-In-Law dying, Wife wants to buy a Porsche Post by OnFire » Sat Sep 16, 2017 2:05 am https://www.bogleheads.org/forum/viewtopic.php?f=2&t=227763#p3534614 Hi OnFire, I was a bit surprised to see the extensive level of detail in your post. However it reveals so much. Many of my comments are set ...
by digarei
Mon Sep 11, 2017 5:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Sept 9
Replies: 1
Views: 366

September 9, 2017 - Sacramento Area Bogleheads - Meeting Summary

• • •   Meeting Notes for September • • •   ------------------------------------------------------ S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ Meeting Summary   • • •     Saturday, September 9, 2017    KISS and Tell •  Keeping it Simple Pro...
by digarei
Wed Sep 06, 2017 7:10 am
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 57
Views: 6351

Re: [Virtual online chapter - Master thread]

It's that time of year again for our Fourth Virtual Bogleheads Meeting. It will be September 20, 2017 @ 8pm EST . Topic to be decided and the links will be provided via Zoom in my next email in about a week. Email virtualbogleheads@gmail.com if you are interested in joining and are not on the lists...
by digarei
Tue Sep 05, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: "How Personalities Determine Investment Styles"
Replies: 1
Views: 450

Re: "How Personalities Determine Investment Styles"

John Rekenthaler of Morningstar has the following column on How personalities determine investment styles. http://news.morningstar.com/articlenet/article.aspx?id=824222 Rekenthaler cites a study(*) authored by two Finnish college professors. My take is that he generally doesn't buy into the authors...
by digarei
Tue Sep 05, 2017 8:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16250

Re: [Are the Bogleheads] getting less interesting?

Am I imagining it, or is that Tiger Woods in the photograph (seventh row up, second from the left)? Yes! That is the (in)famous champion golfer, Tiger Woods. Or maybe someone else?: female; twenty years younger; prime candidate to lose a Tiger Woods lookalike contest. Check those glasses! :shock:
by digarei
Tue Sep 05, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Is it wise to direct deposit Social Sec to Vanguard?
Replies: 17
Views: 1954

Re: Is it wise to direct deposit Social Sec to Vanguard?

I like double entry bookkeeping and all of the redundancy that this entails and clarity of intent. All income streams are channeled into a single checking account. All expenses are paid from this checking account. Each month, investment expenses are paid into a single money market fund at Vanguard, ...
by digarei
Tue Sep 05, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 12735

Re: Do you use lifestrategy/ asset allocation funds?

For those who are choosing Lifestrategy of some form: What is your thinking about withdrawals in a down stock market? Normally one would try to figure out where to take the withdrawal (equity or fixed) but with not choice how does that fit with your thinking. Will it bother you not to have options ...
by digarei
Tue Sep 05, 2017 1:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

Re: Sacramento, CA Area Chapter - Master Thread

. ...
Today is the last day to reserve a seat at the next meeting of Sacramento Area Bogleheads on Sept 9.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

by digarei
Sat Sep 02, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4427

Re: Robert Kiyosaki - rich dad, poor dad

... The Wit & Wisdom of Robert Kiyosak i Explaining the CA$HFLOW (How To Get Out Of The Rat Race) game So now you've seen the second [part of the] game which is financial and that part of it can be intimidating to some people —especially if you're not good with numbers or words [...] Source: https:...
by digarei
Fri Sep 01, 2017 4:49 am
Forum: Investing - Theory, News & General
Topic: William Bengen Predictions for 2016
Replies: 2
Views: 805

Re: William Bengen Predictions for 2016

I recently picked up William Bengen's 2006 book "Conserving Client Portfolio's During Retirement." In the first few sentences, he imagines it is 2016 and pegs the DJIA at 23,000 and S&P at 2,500. Yes, so he was a year late, but still pretty darn close today to the prediction. Of course, it's not th...
by digarei
Wed Aug 30, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6601

Re: Bosch dishwasher?

I am not talking about the sound of water in the pipes. I am talking specifically about the sound of the dishwasher draining itself or filling up itself, which is clearly audible for all but the deaf. Interesting. We've had an equivalent tier Bosch since its purchase in late 2006. One can (barely) ...
by digarei
Tue Aug 29, 2017 11:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Sept 9
Replies: 1
Views: 366

Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat Sept 9

...... Announcing the 30th meeting of the... ...... S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ . . . . . . . . . . This event . . . . . . . . . . Date: Saturday, September 9, 2017 Time: 10:30 AM - 12:30 PM Optional lunch follows. Midtown S...
by digarei
Mon Aug 28, 2017 2:54 am
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6610

Re: Review with Me - Larry Swedroe's new book

Okay, more on DFA vs. Vanguard, Value Traps and the like. Not my work but from an authoritative source . Light editing for style. I will intersperse my own comments. Nedsaid: This is in answer to my comment that Vanguard Small Value Index and Vanguard Small Growth Index had similar performance reco...
by digarei
Sun Aug 27, 2017 4:06 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58656

Re: Forum software upgrade bug reports and change requests

Mudpuppy wrote:
Sun Aug 27, 2017 3:39 pm

I guess the work-around is to try both extensions and see which one phpBB likes.
Yup. Thank you.
by digarei
Sun Aug 27, 2017 3:02 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58656

Re: Forum software upgrade bug reports and change requests

Interesting. Henceforth I'll change the jpg extension to png. Thanks It might be a JPG though. For very large files, Imgur automatically converts them to JPG to compress the file size. The best bet is to look at the Image Properties through your browser of choice and see what Imgur stores it as. Di...
by digarei
Sun Aug 27, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: The Unsolvable Puzzle by Morgan Housel
Replies: 11
Views: 1864

Re: The Unsolvable Puzzle by Morgan Housel

I like Housel but I think his analogy may be superficial and his conclusion, a bit muddled. Here are my quibbles. Long-term investing tends to work specifically because all strategies go out of favor from time to time, testing investors’ wills at the cost of returns. Despite the handwringing implied...
by digarei
Sun Aug 27, 2017 1:51 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58656

Re: Forum software upgrade bug reports and change requests

Interesting. Henceforth I'll change the jpg extension to png. Thanks
by digarei
Sun Aug 27, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6610

Re: Review with Me - Larry Swedroe's new book

Having read a few of these interlopers' 55,000 previous posts I can attest to an exchange of ideas between them and the estimable Larry Swedroe in years past. Does one need to respond at length to each new work or utterance of Mr. Swedroe as qualification to comment upon its latest iteration? When ...
by digarei
Sun Aug 27, 2017 7:33 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58656

Image specification

odd After editing an existing post that contains an image, I often receive an error upon clicking Preview or Submit: It was not possible to determine the dimensions of the image. Please verify that the URL you entered is correct. I believe the URL is correct—the image has displayed just fine for th...
by digarei
Sun Aug 27, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4975

Re: Lowes vs Home Depot

hmmm...

Which is better:
  • McDonald's or Burger King?

    Coke or Pepsi?

    MegaCorp or MegaCorp?
by digarei
Sun Aug 27, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6610

Re: Review with Me - Larry Swedroe's new book

Have any of you actually read the book that is supposed to be the subject of this thread? If so, what did you think of it? If not, why are you commenting in this thread? Having read a few of these interlopers' 55,000 previous posts I can attest to an exchange of ideas between them and the estimable...
by digarei
Sat Aug 26, 2017 11:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

Sacramento BH's Meeting #30 ~ 9/9/2017

. ... This thread has been updated with essential information about Sacramento Area Bogleheads' next meeting on Sep 9. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post to learn abo...
by digarei
Fri Aug 25, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: "Your Financial Life Is Complicated; Your Portfolio Shouldn't Be"
Replies: 8
Views: 1732

Re: "Your Financial Life Is Complicated; Your Portfolio Shouldn't Be"

What should be uncontroversial among Bogleheads yet each of us is different. Many find ourselves with portfolios that include real estate holdings, concentrations in particular sectors or other unusual investments, perhaps due to an inheritance or by way of an investing history that included stock p...
by digarei
Wed Aug 16, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7370

Re: Postal Service -- "informed delivery"

Maybe you could suggest to the USPS to offer an ad-free service for a small fee. How much would you pay for it? My answer would be "not much" or an amount approaching zero. If the service meant that I'd only receive ads for products I was interested in, well, I still wouldn't pay for it but I'd pay...
by digarei
Wed Aug 16, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7370

Re: Postal Service -- "informed delivery"

I am amazed at the number of Bogleheads posting to this thread who would think of this as a beneficial service. Please read the documentation carefully. In my mind, the primary benefit is to the mailer not the mail recipient. There is a plethora of reasons why a mailer would want this. We (the mail...
by digarei
Wed Aug 16, 2017 12:54 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7370

Re: Postal Service -- "informed delivery"

I am amazed at the number of Bogleheads posting to this thread who would think of this as a beneficial service. Please read the documentation carefully. In my mind, the primary benefit is to the mailer not the mail recipient. There is a plethora of reasons why a mailer would want this. We (the mail ...
by digarei
Sat Aug 12, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14577

Re: How far would you travel to see The Eclipse?

2800 kilometers and about the same number of dollars.

once in a lifetime... quite possibly
by digarei
Sun Aug 06, 2017 2:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

SIXDAZE

... 6 . D A Y S . from today the members of Sacramento Area Bogleheads will be meeting in midtown (for details, see the first post in this thread). We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations are being accepted for this meeting over t...
by digarei
Sun Aug 06, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: New Wiki page: the Telltale Chart => feedback?
Replies: 57
Views: 3712

Re: New Wiki page: the Telltale Chart => feedback?

Siamond does great work and I have admired his research. So I am not trashing the work done for the Wiki. I think adding the labels to the graph so that people could see how much the growth of $100 for each asset class really was would better help understand both the chart and the relative growth o...
by digarei
Wed Aug 02, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2002

Re: Pool Maintenance Savings

The owner was a member of the recently discontinued Pool Forum for a number of years before buying into TFP. He—and all of the early participants—learned about 'BBB' from Pool Forum / Pool Solutions. This site, minus the forum, continues to be available: http://www.poolsolutions.com/index.html It i...
by digarei
Tue Aug 01, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: prescriptions drugs and claw backs
Replies: 20
Views: 1537

Re: prescriptions drugs and claw backs

hogfanboy wrote:
[...] don't trust your health care insurance and it's prescription drug plan to get you the best price. Hell Some of them look at you as a revenue source.
What do you mean by ... "some of them"? :D
by digarei
Tue Aug 01, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2002

Re: Pool Maintenance Savings

When I bought my first home that had a pool, TFP was invaluable to my DIY mindset. My operating costs are as low as they will ever get and in 3 years have never had a water quality issue. Anyway, I don't disagree with anything in your post, it was readily apparent to me when I started poking around...
by digarei
Tue Aug 01, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2002

Re: Pool Maintenance Savings

I know most of us are up for saving money where we can so I wanted to pass along some great info that is going to save me over $300/year. Trouble free pool(It a forum just like this place that wants to educate pool owners with no advertising and strict rules on posting for industry insiders )has a ...
by digarei
Sat Jul 29, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Pool maintenance - which chemicals and how much?
Replies: 7
Views: 598

Re: Pool maintenance - which chemicals and how much?

I'm putting in a small pool. Which chemicals do I need and how much should I add? Any recommendations for test strips and how often should I test the water? I googled it but read varying tips, so figured Bogleheads are smarter than google :) Need a bit more info. What kind of pool? (inground, above...
by digarei
Sat Jul 29, 2017 4:43 am
Forum: Investing - Theory, News & General
Topic: "What Every Investor Should Know About Mutual Funds"
Replies: 8
Views: 1744

Re: "What Every Investor Should Know About Mutual Funds"

Bogleheads: For several long years, I attempted to pick our mutual funds based on top-performance lists. For this reason, I was not surprised to read a recent article by the president of the American Association of Individual Investors (AAII), in which he wrote: "Probably the single most potentiall...
by digarei
Thu Jul 27, 2017 12:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat August 12, 2017
Replies: 0
Views: 241

Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat August 12, 2017

...... http://I.imgur.com/aIBnCtR.jpg aIBnCtR 498 pixs wide it's...... the 29th consecutive meeting of the ...... S a c r a m e n t o A r e a B o g l e h e a d s ! ------------------------------------------------------ . . . . . . . . . W h e n ? . . . . . . . . . Date: Saturday, August 12, 2017 Ti...
by digarei
Wed Jul 26, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6543

Re: Where to View Total Eclipse? - Kansas City

Go to an area with lots of birds and wildlife. Their reaction is by far the most interesting part of watching the eclipse. There was an interesting show about the upcoming eclipse on C-SPAN a couple weeks ago (lots of interesting discussion and graphics and annimation). Here's a link: https://www.c...
by digarei
Sun Jul 23, 2017 2:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

TWENTYDAYS

.
...
... 2 0 . D A Y S
1c
... < bump! >
...
...
...
by digarei
Sun Jul 23, 2017 1:41 am
Forum: Investing - Theory, News & General
Topic: Fraud???
Replies: 15
Views: 2698

Re: Fraud???

I made a small transaction on Vanguard last night, and received a confirmation. This morning I received an email from Vanguard saying confirmation of my account profile update was available at Vanguard.com. However, I did not make any update on my account profile. There appear to be many quirks to ...
by digarei
Sun Jul 16, 2017 4:34 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3590

Re: If i turn off central AC will it damage drywalls?

In Florida you wouldn't dare shut off your air conditioner in the summer. Gill What do the poor people do? They live with mildew. Easy to understand why Florida was not terribly liveable until air conditioning came along. Gill Poor people have air conditioning like everyone else. Geez. Most electri...
by digarei
Sun Jul 09, 2017 12:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

THIRTYFIVE DAYS

. ... ... 3 5 . D A Y S 1c ... < mark your calendar > ... ... ... This thread ... essential information ... Sacramento ... meeting // Aug-ust 12. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read ...
by digarei
Wed Jul 05, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3774

Re: Delta Air - various classes of service

I am looking into tickets for SO and me to fly from NYC to Vancouver, Canada next month, preferably non-stop. I've primarily used Google Flights for my "research". All of the flights seem to arrive late in the evening or, even worse, in the middle of the night (early morning, i.e., 3 a.m.). While m...
by digarei
Tue Jul 04, 2017 3:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Fourth of July Message [Independence Day]
Replies: 13
Views: 1501

Re: A Fourth of July Message [Independence Day]

Whether or not one subscribes to the notion of a celestial deity, you can still celebrate the principles that contributed to the founding of our republic and to the increasingly wider swathes of humanity that have been included since its founding. As several mainstream media reports have articulated...
by digarei
Fri Jun 30, 2017 11:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 75
Views: 16770

Seven Days From Today

One (1) week from today the members of Sacramento Area Bogleheads will be meeting in midtown (for details, see the previous post on June 22 -or- the first post in this thread). We meet to discuss all aspects of personal finance and investing on the Second Saturday of each month. Reservations are be...
by digarei
Thu Jun 29, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6543

Re: Where to View Total Eclipse? - Kansas City

.... Somebody told me yesterday Saint Joseph (population of about 70k for those who don't know) could see up to 1,200,000 people come to town for the eclipse. 1600% increase in population? No big deal. Everyone should remember to arrive a few weeks early, then stand very close together during the e...