Search found 1279 matches

by rgs92
Fri Aug 18, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3634

Re: Bose Noise Cancelling Headphones

The Boses are good, but I would first look on head-fi.org to do some research on the various ones out there.
by rgs92
Fri Aug 18, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Letter asking for estate information
Replies: 11
Views: 820

Re: Letter asking for estate information

This is kind of an alarming post because you can see how someone could be roped into one of these elder scams you read about. It is terrible that an innocent person could be on the verge of being a victim of fraud by taking a letter like this seriously. Perhaps the letter should be sent to the FTC o...
by rgs92
Fri Aug 18, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: The Phillips Curve is not working!
Replies: 26
Views: 2441

Re: The Phillips Curve is not working!

I really like your query Alwayspassive. I think the technologies that have kept inflation in check include not only the ease of communication (that lets people work from anywhere), but the ease of transportation that lets lower-cost labor go anywhere it is desired. Part of this ease of transportatio...
by rgs92
Fri Aug 18, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 7364

Re: How far off are Zillow's estimates?

Can you update Zillow if you are the owner (or contact them if they have the facts wrong)? Thanks.
by rgs92
Fri Aug 18, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4142

Re: Anyone have a personal chef?

It's hard for me to imagine a hired person in my house cooking for me (unless maybe I lived in the White House). It would probably make more sense to buy nice prepared foods from a good place or even order with delivery from a good restaurant. Sorry; I guess I did not answer your question. It was an...
by rgs92
Thu Aug 17, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 44
Views: 7572

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

For Jack: What about the North Korea situation (as far as how it may affect one's investments)?
[Note I do not want this to be discussed here, I just want to hear Mr. Bogle's take on the problem from an investing perspective.]
by rgs92
Thu Aug 17, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: New job, life changes
Replies: 25
Views: 1623

Re: New job, life changes

It's good that you are doing Systems Admin. That's one the few niche areas in IT that is not getting outsourced or replaced by foreign people (like hands-on software developers are). It's more secure. Stick with it. [Systems Admins need to communicate well with users; that's one of the reasons they ...
by rgs92
Thu Aug 17, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Left Financial Planner - New Baby - Looking for advice
Replies: 11
Views: 816

Re: Left Financial Planner - New Baby - Looking for advice

Moving is extremely stressful and could be expensive, especially for a large family unit like yours. (It sounds like you have 2 children since you refer the birth of your first child.) So moving should be a last resort (like if you lost your job). And a $650K house is not extravagant for a family in...
by rgs92
Thu Aug 17, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 146
Views: 7156

Re: Is it worth it? [demanding jobs vs time with family]

The ultimate irony is that with a family, you need lots more money. And so it goes.
by rgs92
Thu Aug 17, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 995383

Re: U.S. stocks in freefall

What about the saying: -- Don't short a dull Market--- ?
by rgs92
Thu Aug 17, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 995383

Re: U.S. stocks in freefall

What's amazing is how placid (non-volatile) the US market has been over the last 5 years. No big pullbacks, just a slow steady rise that looks more like a bank CD. Just pull up a 5 year S&P chart on Google Finance and you'll see what I mean. What this all means? Beats me... (Maybe everyone was just ...
by rgs92
Thu Aug 17, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie starting new job: Help choosing investments
Replies: 6
Views: 413

Re: Newbie starting new job: Help choosing investments

In this case I feel your 1st choice (Fidelity Index fund at 3 basis points) is your only reasonable option because of the high expenses on everything else, as you said. I would use FRTXX, the Fid. money market fund, as your fixed income choice. Expense ratios on money market funds are not that signi...
by rgs92
Thu Aug 17, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 774

Re: which 27 inch imac to purchase?

B&H photo seems to have very good prices and lots of Apple models available in stock and is reputable and has been fine for me for many years.
They have some sort of sale now (I got an email about it).
by rgs92
Thu Aug 17, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6468

Re: Is $9000 too much for a sectional sofa ?

I think my cats would love a $9K scratching post, so it's absolutely worth it.
by rgs92
Wed Aug 16, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Dumb, basic question about market-cap weighted funds?
Replies: 35
Views: 1828

Re: Dumb, basic question about market-cap weighted funds?

Market Cap Weighted funds work well because they keep adding to stock holdings that soar to the sky beyond belief when you normally would be afraid to buy because of their valuation or plain old fear or "sensible" instinct to take your profits and run. It forced you into Microsoft in the late 80s fo...
by rgs92
Tue Aug 15, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2744

Re: Your Movie Collection?

Those are pretty neat titles. Thanks and good luck and I hope he likes it. The best things are usually the hardest to get.
by rgs92
Tue Aug 15, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2744

Re: Your Movie Collection?

There are a bunch of niche things that are not available by streaming as far as I know. For instance, there is a Time life collection of the Rock and Roll Hall of Fame shows. There are old vintage things like Shindig and Hullabaloo and the Midnight Special series or Don Kirshner's Rock Concert or AB...
by rgs92
Mon Aug 14, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 2041

Re: ipad or tablet for hospital?

You can use the Google Chrome or Firefox on and iPad easily. You don't have to use Safari.
by rgs92
Mon Aug 14, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2744

Re: Your Movie Collection?

DVDs of
1. The Simpsons Movie (2007)
2. It's a Mad, Mad, Mad, Mad World (Blu-Ray, 1963)
3. The T.A.M.I. Show (1964)
4. The N.M.E. (New Musical Express) Awards (1964,1965,1966)

Using an Oppo 105D.
by rgs92
Mon Aug 14, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Question about market timing the current market
Replies: 27
Views: 1346

Re: Question about market timing the current market

If I had a brother with 5 million dollars I would not argue with him and tell him he sure was smart.
And I'd be sure to send him a card and a nice present on his birthday and at Christmas and offer to do some pet sitting for him when he was on vacation.
by rgs92
Mon Aug 14, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 2041

Re: ipad or tablet for hospital?

Well, an Ipad would be a great idea if she is not too familiar with tablets because it's great opportunity to learn how to use one if you have nothing else to do. It's a great skill to have. It would give her a feeling of accomplishment and confidence to develop expertise on it. The skill would carr...
by rgs92
Mon Aug 14, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 3011

Re: Building A Warchest

I don't think gold has been extremely negatively correlated with inflation, but I'll let others here check me on this. The basic Boglehead idea is that Stocks in the long run keep up with inflation since companies can raise prices to keep up with it by definition. Gold is ... well, a mess (and again...
by rgs92
Mon Aug 14, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 3011

Re: Building A Warchest

A.] That won't keep up with inflation necessarily. In fact, if there's lots of inflation (and the accompanying high interest rates) your warchest would probably go down in nominal AND real terms. (And in real terms, a lot.) B.] I guess you may want TIPS, but that's another can of worms; read the man...
by rgs92
Mon Aug 14, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: SP500/Total Stock Market
Replies: 23
Views: 1415

Re: SP500/Total Stock Market

The only solution is to keep a healthy portion in fixed income at all times (bonds and maybe some cash/money markets).
by rgs92
Mon Aug 14, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 2041

Re: ipad or tablet for hospital?

An Ipad is a tablet.
by rgs92
Mon Aug 14, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2672

Re: PSA - Mute button for Gas Station TV!

Ha ha. When I go to the dentist, the TV is playing facing the chair (with the sound on) through the entire visit. (Usually Foxnews.)
by rgs92
Mon Aug 14, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1387

Re: Do you manage your asset allocation like a Target Fund?

Yep, it looks like target funds (mindlessly?) drop your stock allocation to very low levels as you get older, like down to 20% eventually (I think).
I have not heard anyone here recommending that.
by rgs92
Mon Aug 14, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1387

Do you manage your asset allocation like a Target Fund?

Do you adjust your asset allocation as you age like a target fund does? Why or why not?
(This assumes that you don't use target funds for the bulk of your retirement portfolio.)
Thank you.
by rgs92
Sun Aug 13, 2017 1:09 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2644

Re: Please consider setting a time limit of 15 minutes to edit a post

How about a better solution? Whenever a post is edited, it generates a new post in the thread alerting that this happened.
If this is too cluttered for responders, maybe it could be done just for an OP.
Or maybe this should be a recommended practice informally.
by rgs92
Sun Aug 13, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6511

Re: How does personal wealth affect job hunting?

Thanks for sharing your experiences Klang Fool. Best to you.
[I can relate to this.]
by rgs92
Sun Aug 13, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Can we slow down then retire?
Replies: 25
Views: 3948

Re: Can we slow down then retire?

Nah, you don't need to work anymore. And I think you could even happily take 5% out of your $2.6 Million until, say, FRA for social security at 67 with a 50/50 constant asset allocation and then reduce your portfolio draw at that time. But I feel your 75/25 current asset allocation is way too high. ...
by rgs92
Sun Aug 13, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 1648

Re: Testing Our Allocations Emotionally

I think that Dandy's fear about Stable Value funds being unsafe is overdoing it. Maybe the interest rate could go to zero, but that's it for worry.
No offense here of course, just trying to help.
by rgs92
Sun Aug 13, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1191

Re: What the best identity theft co.?

I have never heard of anyone getting any benefit at all from LifeLock (except in their commercials).
Has anyone here heard of anyone who was actually helped by them in any way?
Thanks.
by rgs92
Sun Aug 13, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6511

Re: How does personal wealth affect job hunting?

As a side note, just like Bogleheads here seem to have a lot more savings than the average person, have they also had an easier time finding jobs or keeping them and avoiding unemployment? I know so many people (all college+ educated professionals) who are unemployed or having serious job security p...
by rgs92
Sun Aug 13, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2277

Re: 6K credit line too low.

I find it's pretty easy to get a card with at least a 1% rebate on all purchases with a credit line over $20,000. I think everyone should have at least one of these types of cards (certainly for emergencies). I never understood this simplicity thing for credit cards. All cards are easily set up as p...
by rgs92
Sun Aug 13, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: LED bulbs for enclosed fixtures
Replies: 19
Views: 1965

Re: LED bulbs for enclosed fixtures

After going through numerous LED bulbs in my enclosed fixtures, my solution was to take the glass covers off of the fixtures permanently, allowing the bulbs to be exposed to air, eliminating the heat build up. Doesn't look as nice, but it was the easiest solution for me. Does your significant other...
by rgs92
Sun Aug 13, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6939

Re: "Honesty like that is rare!"

The man has to make a living. No shame in that.
And he's doing it in a far better way than other financial advisors.
And if his customers didn't use him, they would fall prey to other far worse advisors.
So good for him.
by rgs92
Sat Aug 12, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3192

Re: Elite status clubs that you are part of?

WildBill wrote:
Sat Aug 12, 2017 10:51 am
Howdy

I am very lucky.

I am a citizen of the United States of America.

Good luck to al.

W B
Thank you very much.
Regards.
Al
by rgs92
Sat Aug 12, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 66
Views: 6001

Re: Free Reading

I think people misinterpreted my question. Sorry. I grew up using the library constantly in the pre-internet age. I practically memorized the Dewey Decimal system. (Do they still use that?) I read lots of books when I was younger. (Now my attention span is shorter, sorry to say. Too much internet I ...
by rgs92
Sat Aug 12, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2164

Re: Laptop suggestions pls

I would do some research on http://forum.notebookreview.com/ The first forum in there is What Notebook Should I Buy? It's the Bogleheads of computer buying for me (they also cover desktop machines). There are many reviews and good questions. It's more for general purpose users than the gaming or pow...
by rgs92
Sat Aug 12, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3192

Re: Elite status clubs that you are part of?

I'm curious about what the Fidelity Private Client people provide advice about or help with (since I have my funds with Fidelity). I am usually very wary about talking to anyone there because they usually just try to sell me something and it's annoying. And sometimes they phone me for no reason, whi...
by rgs92
Fri Aug 11, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 995383

Re: U.S. stocks in freefall

Not to belabor the obvious, but the lesson here amidst this new period of uncertainty and fear (even with only a minor market decline so far) is that those who confidently say that they have 80/90/100% of their portfolio in equities with no worries perhaps are not the best role models for the averag...
by rgs92
Fri Aug 11, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 995383

Re: U.S. stocks in freefall

It was Oct. 19th, 1987, not Oct. 9th.
by rgs92
Mon Aug 07, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 3359

Re: Car Depreciation As Reason to Get A New Car

The way to avoid big depreciation is to buy a good late model low mileage (and I prefer CPO [certified w/warranty]) car instead of new. This solves the problem without the lease route that makes you worry about how much you are driving. Some CPO warranties are superb, like Lexus, up to 8 year w/unli...
by rgs92
Mon Aug 07, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5158

Re: Buying a Vehicle the Old Fashioned Way

That's great about them going to another dealer to find one for you. I went to my local Lexus dealer and pointed to a CPO car on their own website but was at another dealer that was in the same family of dealers (they shared the website). The dealer sent me away and said they couldn't get that car o...
by rgs92
Mon Aug 07, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4140

Re: Help me pick a car

I wouldn't buy a hybrid. A lot more money, less reliability, and we seem to have a huge surplus of crude oil as far as the eye can see.
by rgs92
Mon Aug 07, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4140

Re: Help me pick a car

The new Consumer Reports (Sept 2017) has a great comprehensive user survey of car satisfaction for 3-year-old and 10-year-old cars in lots of satisfaction categories. I would try to look at it if you are buying now. They cover those models mentioned here.
by rgs92
Sat Aug 05, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4140

Re: Help me pick a car

Used/CPO Lexus ES350. These cars are basically not even broken in and probably as good as new. $30,488 w/ only 4500 miles: https://www.cars.com/vehicledetail/detail/708986482/overview/ Under $32,000, under 5000 miles: https://www.cars.com/vehicledetail/detail/704005201/overview/ Going up in price no...
by rgs92
Fri Aug 04, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8070

Re: LED light bulbs

Frugalinvenstor: Thanks for that link! Interesting. I did go back and checked the Candelabra LED bulb I have and it is pretty hot, so I overlooked that. I do some more checking. Again, thanks for the great article. Cheers. Repeating the link for others: https://www.linkedin.com/pulse/how-hot-led-lig...
by rgs92
Fri Aug 04, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Approaches (forced) - review my situation?
Replies: 42
Views: 7231

Re: Early Retirement Approaches (forced) - review my situation?

This corporate outsourcing thing for IT (and some other areas) is a really evil thing just designed to get rid of middle aged (and up) workers which go to the new company as new hires who are easy to let go with little severance pay and little legal risk. (Which is what always happens.) My main simp...