Search found 1034 matches

by gd
Wed May 25, 2016 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Do I need both total stock market and small cap index fund?
Replies: 7
Views: 726

Re: Do I need both total stock market and small cap index fund?

The impact of small cap in TSM is small-- compare the "growth of $10k" graphs for S&P500 and TSM over 10 years, for example. If you really like the idea of having small caps, yeah, you probably need some separately to make a difference. If it doesn't excite you one way or another, forg...
by gd
Wed May 25, 2016 6:40 am
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 1844

Re: be my mother in law's financial advisor...or not?

I think you've done the right thing. Whether this specific guy was the best pick or not, who knows. But some people just want an authority-- real or perceived-- to get advice from and deal with as a real person they are on name basis with. Within reason, it's just part of the overhead of their life ...
by gd
Wed May 25, 2016 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Summary?
Replies: 7
Views: 563

Re: Vanguard Annual Summary?

Check your account options; I also get a paper copy of the year-end household statement mailed to me. I think they regularly try to get me to turn it off, read the "go paperless" login messages carefully.
by gd
Wed May 25, 2016 5:54 am
Forum: Investing - Help with Personal Investments
Topic: how to utilize my annuity in portfolio allocation
Replies: 21
Views: 1157

Re: how to utilize my annuity in portfolio allocation

I use roughly the same allocation as the rest of my investments. It's mostly a feel-good number anyway (age in bonds, anyone?). If you've got an argument for why VAs need different and that convincingly overpowers market randomness, it'd interest me.
by gd
Tue May 24, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5960

Re: Arrgghhh !!! Windows 10 installed overnight

Second, even if I wanted to go back, I couldn't find "Update & Security" in my Settings. Settings may give you a vertical list of choices-- System, Devices, and so on. Update & Security is the last in the list, and you may need to scroll down. Microsoft has followed current styles...
by gd
Mon May 23, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5960

Re: Arrgghhh !!! Windows 10 installed overnight

fishnskiguy wrote:I have custom built $4000 desktop computer overclocked and water cooled just to run Microsoft Flight Simulator under realistic conditions. MSFS won't run on anything newer than W7. I can't beat W10 away with two sticks. Dang you Microsoft! :x :x
Chris

My FSX works fine on W10 as far as I know.
by gd
Sun May 22, 2016 6:23 am
Forum: Personal Consumer Issues
Topic: Flying airplanes -lessons
Replies: 38
Views: 2327

Re: Flying airplanes -lessons

Advice? Tell us what it is about your body size that is a problem first. I've never been in a DA40, but have never heard of problems. Pretty big people fit adequately in a Cessna 172. It's pretty universal, along with Piper Warriors. Don't bother with the 152. Flight instruction is all over the map....
by gd
Sat May 21, 2016 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Depreciation On Tax Return for Period of Non-Rental
Replies: 5
Views: 464

Re: Depreciation On Tax Return for Period of Non-Rental

I'm spectacularly bad at rental taxes, but... aren't new appliances and carpeting depreciated on a 5-year basis? https://www.irs.gov/publications/p527/ch02.html#en_US_2015_publink1000219079 You might make sure you're familiar with the newish "safe harbor election for small taxpayers" regul...
by gd
Sat May 21, 2016 6:13 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11657

Re: Is there a such thing as a blue collar Boglehead?

SurferLife wrote:... we have a generous COLA'd pension.
Price an inflation-adjusted annuity at your pension level; that's what you don't need that I do. I'd guess you're comparatively much better off than you think. (edited)
by gd
Sat May 21, 2016 6:02 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11657

Re: Is there a such thing as a blue collar Boglehead?

Computer programming has become blue collar.... Software engineer vs. software technician. Maybe they call them architects vs. programmers now. One designs and builds products concept through maintenance, the other implements designs (or worse, just implements). Even in the early days people like p...
by gd
Fri May 20, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: Macbook Air - how to keep it running smoothly?
Replies: 18
Views: 1967

Re: Macbook Air - how to keep it running smoothly?

BW1985 wrote:My MB Pro I bought in 2011 is super slow now compared to what it used to be.

Using bloated software designed by people with the latest hardware? It's been the most likely answer since the 80s, whether it be OS, resident application programs, or web sites.
by gd
Fri May 20, 2016 6:44 am
Forum: Personal Consumer Issues
Topic: day trip or 2day trips from Boston
Replies: 25
Views: 1200

Re: day trip or 2day trips from Boston

If not already seen, day trip to Concord area. For distinctly non-FL terrain, Mt. Monadnock (not much except hiking trails) or Mt. Washington (cog railway, mt. high enough for deadly weather). Lots of backroads rural scenery on the way to both. Review distances before heading there, much less Bar Ha...
by gd
Tue May 17, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20802

Re: Rich But Middle Class

Granted that the BH forum is mostly first world problems, this original post is so first world it is ludicrous. Sounds like fodder for an SNL skit excepting it is more sad than funny. The OP isn't really that outrageous, unfortunate "middle class" phrasing aside. He/she is asking for opin...
by gd
Mon May 16, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2240

Re: Any beekeepers out there?

Best thing you can probably do for pollinators? Let your lawn go feral, particularly with lots of dandelions-- honeybees love them. :D Seriously, leave a patch unmown in a corner somewhere, maybe dump some wildflowers gone to seed in it, and watch for a few years. It comes alive. As of a few years a...
by gd
Mon May 16, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2240

Re: Any beekeepers out there?

I think you're way past the boglehead crowd, try the various beekeeping forums. I had a few until the local bear found them, and didn't want to go the electric fence route. I've got an old hive out waiting to see if a spring swarm wants to choose me.
by gd
Mon May 16, 2016 6:51 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3528

Re: Email Hacked

Most residential users probably use web-based email, not email clients. How do spammers or phishers break into this? There's no email list resident on the home PC for malware to harvest. Scrape browser screens? Sniff packets? Somehow determine passwords elsewhere and from somewhere else, use an auto...
by gd
Mon May 16, 2016 5:43 am
Forum: Investing - Theory, News & General
Topic: WellsTrade cancels "risky" orders
Replies: 13
Views: 2190

Re: WellsTrade cancels "risky" orders

So why did one go through? It sounds a bit fuzzy, like perhaps they just screwed it up somehow with the off-brand funds and the phone rep is making stuff up, as they do sometimes to push off troublesome customers or in a sincere but flawed attempt to please you. Been too long since I set up a broker...
by gd
Sun May 15, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20802

Re: Rich But Middle Class

I think it would have been better to have phrased the otherwise-reasonable query more like "rich but in the middle of our peers". Having been raised upper middle class (for real, not this league) and deliberately moving downward to save my soul, I'd say making sure you don't lose track of ...
by gd
Sun May 15, 2016 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 21
Views: 2153

Re: Alternatives to Quicken 2016?

Yeah, they should just allow yearly download subscriptions without updating the product (within reason), and actually improve the UI from year to year instead of just change it. They probably would have made more money in the end. As with their tax products, Intuit's marketing department is their bi...
by gd
Sat May 14, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab Voice ID - Anybody try it yet?
Replies: 6
Views: 705

Re: Schwab Voice ID - Anybody try it yet?

The question isn't whether it recognizes you, but whether it recognizes other people (or synthesized voice) as not you.
by gd
Sat May 14, 2016 5:51 am
Forum: Investing - Theory, News & General
Topic: Carl Icahn Is Betting Big on a Stock Market Crash
Replies: 32
Views: 7062

Re: Carl Icahn Is Betting Big on a Stock Market Crash

What a coincidence, we were talking about shrodinger's cat at work yesterday and I was the only one who never heard of it. Now I see this. lol. Boy do I feel dumb. More likely you'd never noticed it before. Once brought to your attention, you notice it every time and it seems to be everywhere. Sort...
by gd
Fri May 13, 2016 7:10 am
Forum: Personal Consumer Issues
Topic: Need barest, skeleton, almost non-existent cell plan.
Replies: 22
Views: 1562

Re: Need barest, skeleton, almost non-existent cell plan.

OP, you need to clarify to yourself your minimalist needs. You've got a smart phone-- do you use it as a smart phone, or voice only? If voice only, you have a completely different goal and should ignore all the data quantity info. I maintain 2 republic wireless phones for about $25/mo total, used re...
by gd
Thu May 12, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 41
Views: 5274

Re: Low flow shower head?

(deleted, already posted same thing at least once a month or two ago)
by gd
Wed May 11, 2016 6:11 am
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 110
Views: 9988

Re: Cities good for living abroad?

... 2) We have also been considering smaller towns and villages, though perhaps for more like a month at a time. Someplace where you might actually be able to feel a part of the community in a way. I'm not sure how that would work out in reality. Probably would want a car. It used to be that in Fra...
by gd
Wed May 11, 2016 5:34 am
Forum: Investing - Theory, News & General
Topic: BI-The computers have won and Wall Street will never be the same
Replies: 2
Views: 1447

Re: BI-The computers have won and Wall Street will never be the same

One of my first grad school courses was in signal analysis, with an assignment to predict the stock market with autoregressive modelling (long time ago, when a hedge fund was a landscaping budget). Side lessons: 1) humans are good at seeing patterns in noise, 2) if it worked, someone would be doing ...
by gd
Tue May 10, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: Instagram spam?
Replies: 1
Views: 230

Instagram spam?

I've gotten curious emails from Instagram. The first thanked me for establishing an account, used my real name that was not contained in my email address, and gave a set of alluring links that would, by the way, confirm the account. I ignored it. Then 2 days later I get an email that they've locked ...
by gd
Sat May 07, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10202

Re: Is buying organic really that expensive?

Does anyone concern themselves with the fact that farmland with GMO crops and pesticides yields twice as much food as organic non-GMO farmland, and without GMO & pesticides, millions of people would starve each year, and deforestation for additional farmland would result in global warming? I be...
by gd
Sat May 07, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2125

Re: Indexed annuities

If you're looking for confirmation on the evils of annuities, you've come to the right place. But spend some time searching past threads and you'll see some circumstances where people believe annuities can serve a useful function.
by gd
Fri May 06, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10202

Re: Is buying organic really that expensive?

You can probably have more of an effect by first avoiding processed foods as much as possible, or going full Michael Pollan ("Eat food. Not too much. Mostly plants.") It probably doesn't matter if your greens are organic when slathered with dressing having sugar, fat, emulsifiers, flavorin...
by gd
Wed May 04, 2016 6:20 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 11963

Re: Sci-Fi ... your favorite movies and episodes??

I don't mentally sort and file stuff away for trivia recall so generally shrug off "what is your favorite x", but after seeing it for the first time a few years ago, the episode where Picard lives an entire life in an hour or two still disconcerts me. On the other side, most wasted premise...
by gd
Tue May 03, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9659

Re: I Bond rates for May 1 announced

My mother told me that way back in the day during WWII when she was in elementary school, kids would bring in a small amount of money per week to accumulate to purchase bonds. It was quite a thrill when a kid finally received that very official-looking paper bond. A good civics lesson, as well as t...
by gd
Mon May 02, 2016 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 1038

Re: Small Overpayment on Taxes?

I'd forget about it. Unless the lower-end tax prep software is better than I recall, you're going to have to research and do stuff on your own, and based on your questions I get the sense you don't want to do that. I'd agree with the others that it's a good opportunity to learn stuff, but there's l...
by gd
Sun May 01, 2016 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a legal attorney [Application for Green Card]
Replies: 15
Views: 2059

Re: Questions to ask a legal attorney [Application for Green Card]

Five Quatloos that the moderators quietly disappear the thread after 2 more people doing an internet search for reviews of Chen register to ask for an update. :D
by gd
Sun May 01, 2016 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 1038

Re: Small Overpayment on Taxes?

I'd forget about it. Unless the lower-end tax prep software is better than I recall, you're going to have to research and do stuff on your own, and based on your questions I get the sense you don't want to do that. I'd agree with the others that it's a good opportunity to learn stuff, but there's li...
by gd
Wed Apr 27, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103507

Re: Boglehead Beer

It was mentioned in passing a few years ago, somewhere in the last 600 posts... for fans of Hefeweizen, Trader Joe's Bavarian Style Hefeweizen is remarkable if you like the clovey, flowery style. Serve at ~55F, pour 2/3, swirl up the yeast, pour the rest. It's as good as any I find in southern Germa...
by gd
Tue Apr 26, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3717

Re: BH Way of Landscaping?

Big-box and mainstream nurseries, and the landscapers that use them, have pretty bland selections and ideas. Some of the more interesting native plants in my yard I got from local non-profit plant sales or a nursery attached to a local nature preserve. I'd bet I've got the only paw paw trees in town...
by gd
Tue Apr 26, 2016 6:36 am
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 2792

Re: If not Children - Who/What Leave Estate To?

My siblings are named beneficiaries, but they and their children don't particularly need it. They're all sensible, decent, responsible people who would certainly value the windfall, but... meh. It would go to fund their perfectly normal lifestyle that's more indulgent than ours. And I'm not expectin...
by gd
Mon Apr 25, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3717

Re: BH Way of Landscaping?

BHUser27 wrote: The biggest mistake DIY landscapers make is plant spacing - too close to house or too close to one another.

Around me the pros do it more than the DIYers. It's got to look good the day they get their check. They'll be long gone when the problems start.
by gd
Mon Apr 25, 2016 6:33 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3717

Re: BH Way of Landscaping?

BTW, how come giving Boglehead financial advice requires knowing extensive detail, but lawn care advice doesn't even require knowing what continent you're on? :D
by gd
Mon Apr 25, 2016 6:28 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3717

Re: BH Way of Landscaping?

my yard is going to be a beautiful collection of plant life...rather than just being grass. Well, that's my answer. Dandelion crop might be disappointing this year, but violets just started to bloom nicely. I'm making a regular spring trip later this year partly so I can let the early stuff grow ou...
by gd
Sun Apr 24, 2016 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2014 just starting asking for "Intuit ID Password"
Replies: 16
Views: 1088

Re: Quicken 2014 just starting asking for "Intuit ID Password"

I think is the last straw for me against quicken. When performing a "one-step update", a dialog box "Enter Intuit ID Password" now occurs. Never had to enter it before and will not do it now. Used it for over 15 years but am stopping now. So long quicken. I think you're describi...
by gd
Sat Apr 23, 2016 1:04 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 2958

Re: "The Index Card"

You should never — never — buy individual stocks. Not necessarily. Back when I had an account with the various companies starting with Dean Witter Reynolds and ending up Morgan Stanley, I spent a bit of time muddling through their research available to customers. Several things became apparent. I c...
by gd
Fri Apr 22, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor, nervous about dropping $150.000 into the market
Replies: 8
Views: 2110

Re: First time investor, nervous about dropping $150.000 into the market

I didn't always think this way, but my opinion nowadays is that the only reason for permanent residency is as a precursor to citizenship. It's the worst of both worlds-- more tax liability than a citizen, with no protections. I'd be nervous about the PR, not the market.
by gd
Thu Apr 21, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Complication donating Vanguard mutual fund to charity
Replies: 21
Views: 1585

Re: Complication donating Vanguard mutual fund to charity

OP here, tying off the thread. I have confirmed with a second Vanguard rep that to transfer a Vanguard mutual fund as a charitable gift without selling first and incurring CGs, the recipient must have a Vanguard account to receive the fund, period. The funds can be immediately sold & a check sen...
by gd
Wed Apr 20, 2016 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Filed form 8606 when not needed - should I amend?
Replies: 5
Views: 538

Re: Filed form 8606 when not needed - should I amend?

No clue what you *need* to do, but if you're going to wonder about it until retirement, just submit the 1040X. It's easy, since all the numbers are the same, with an explanation in Part III and the revised 8606 attached. What's the worst that can happen-- a few clerks you'll never meet laugh at you ...
by gd
Wed Apr 20, 2016 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 59
Views: 6964

Re: Why am I still scared ? Is it actually normal ?

joyanni wrote:... I still feel that I cannot relax. We watch every dollar we spend and still clip coupons and save every dollar we can, like when I had $2000, is that normal ?...
It is for you. Call it a hobby or lifestyle choice, whether you're conscious of it or not. Perhaps it's time for a different choice.
by gd
Mon Apr 18, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Complication donating Vanguard mutual fund to charity
Replies: 21
Views: 1585

Re: Complication donating Vanguard mutual fund to charity

This from Boglehead's Wiki https://www.bogleheads.org/wiki/Donating_appreciated_securities Donating securities at Vanguard To donate mutual funds with Vanguard, go to Forms,( https://personal.vanguard.com/us/literature )then under "Change of Ownership", select "Giving Fund Shares to ...
by gd
Mon Apr 18, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Complication donating Vanguard mutual fund to charity
Replies: 21
Views: 1585

Re: Complication donating Vanguard mutual fund to charity

letsgobobby wrote:This is one of many reasons a donor advised fund is so great. I do not have to worry about whether the charity has a brokerage account, and with whom. I donate the appreciated shares to the DAF. They send a check to my charity.

That's what it's for, to set that up with a local foundation.
by gd
Mon Apr 18, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Complication donating Vanguard mutual fund to charity
Replies: 21
Views: 1585

Complication donating Vanguard mutual fund to charity

I'm trying to give a charity a donation of a specific Vanguard mutual find, with very low cost basis. I've never done this before. A Vanguard rep told me clearly that the only way I can do this without it being a taxable event to me is if the recipient has an account with Vanguard to receive the fun...
by gd
Mon Apr 18, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 22
Views: 2451

Re: Fraudulent charges on two separate credit cards

harrychan wrote: Someone bothered to place an order for an exensive pc with my actual address, phone but with the name of 'Fu'. Were they planning to have UPS or Fedex redirect the package?

Or a prank, and "F U" was a message, not a name.

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