Search found 213 matches

by tooluser
Sun Apr 22, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9238

Re: Boglehead Philosophy Open To Change?

I've always thought that smart investing isn't complicated (witness the Boglehead philosophy above), but it's often difficult for mortals to successfully execute because 1) Of shiny objects forever sailing by (hot sectors, investment "gurus", red hot active funds, etc.) 2) Of economic downdrafts (w...
by tooluser
Sun Apr 22, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9238

Re: Boglehead Philosophy Open To Change?

... but I will look at it with an open mind. My two favorite quotes about having an open mind are: https://www.goodreads.com/quotes/33052-a-mind-is-like-a-parachute-it-doesn-t-work-if A mind is like a parachute. It doesn't work if it is not open. and https://www.goodreads.com/quotes/2627-the-troubl...
by tooluser
Fri Apr 20, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 85
Views: 9389

Re: Pension Freeze - What did you do?

So here is how it has turned out! :shock: Lots of the severely affected people (my peer group) muttered under their breaths for a few months. Grouping, talking, mostly complaining, then analyzing, then wondering what to do. The company made what I would call a misstep, trying to explain the "changes...
by tooluser
Fri Apr 20, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9883

Re: What have you baked recently?

I also make my own pizza/calzone dough, I'm interested in how other people make it. I had awful pizza dough for years using any recipe, to the point I had given up, but then recently this worked quite well: https://altonbrown.com/pizza-dough-recipe/ 24 hours rising in the refrigerator makes the han...
by tooluser
Fri Apr 20, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4902

Re: Factor in evaluating Physicians

1) The placebo effect is real and substantially effective, even if the patient knows they are being given a placebo. 2) The television show "Survivor" has been on the air for almost 20 years. Almost every season has a young, attractive, female contestant who is a pharmaceutical sales representative....
by tooluser
Fri Apr 20, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 100
Views: 32295

Re: Is the first 100k really the hardest?

It took me a good six years to earn my first dollar. I'm pretty sure that was for helping Dad trim the lawn with hand clippers. The next big uptick was four years later getting a paper route. Finally a steady source of income. It was pretty much magic thereafter, with jobs requiring progressively mo...
by tooluser
Wed Apr 18, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: City Partially Reimburses for Plumbing Leak Repair
Replies: 1
Views: 441

City Partially Reimburses for Plumbing Leak Repair

I can't find the original thread, but someone said previously that some municipalities will reimburse some of the cost when you have a plumbing leak, since they don't want people to waste water. I just want to say "Thank You" for that tip. I would never have thought of that on my own. I live in Los ...
by tooluser
Sun Apr 08, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 38
Views: 3213

Re: Toyota 4 Runner

I own a 2017 Off-Road Premium. One of the main reasons I bought it is because it is big enough inside for me, with a relatively open dash/knee area. I am a giant and have no issues with legroom or headroom. I do not have a sunroof, but it did not seem to be a problem when I sat in one with. I do not...
by tooluser
Fri Apr 06, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 4505

Re: Who uses the 3 fund portfolio ?

I love the 3 fund portfolio - it's simple and better than good enough. But practical circumstances lead me to 26 different holdings across three brokerages. The reasons include not wanting to pay unnecessary taxes in taxable accounts, not wanting to pay unnecessary trading commissions due to past in...
by tooluser
Sat Mar 31, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Many Many Statement Enclosures
Replies: 4
Views: 498

Re: Many Many Statement Enclosures

How did you get 26 pages? In my online statement, I only saw 3 additional pages. One page is to disclose how their research department rate an investment (of no concern to me), and two pages explaining their products. It's only 15 pages, but it's 26 individual statements of "things you ought to kno...
by tooluser
Sat Mar 31, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Many Many Statement Enclosures
Replies: 4
Views: 498

Many Many Statement Enclosures

Merrill Edge has 26 statement enclosures this month for my account (technically only 3, but with 26 unrelated separate statements of varying length between them). Is that good or bad? Are they doing a great job of following the law and informing me, just have a lot to say, or are they utterly baffli...
by tooluser
Tue Mar 27, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 48
Views: 11179

Re: Do I really need Turbotax premier?

You don't need it. But I am lazy and get it (desktop version) anyway. It imports and formats the data nicely so that it's quite easy to determine what your trades were and verify whether any of the information is incorrect. Clearer than the brokerage statements, I think. It has probably saved me a f...
by tooluser
Sun Mar 04, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 8841

Re: "Bogleheads.org" by Kristine Hayes"

Ah yes, the ever-vaunted Financial Acumen Qabalah!
by tooluser
Fri Feb 23, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 8841

Re: "Bogleheads.org" by Kristine Hayes"

RTFM is too-often overused now. It was supposed to only be applied to people who have *demonstrated* a lack of initiative. A little help goes a long way. The article was worth reading. Perhaps some good advice to people getting started is: Yes, it really does take a little effort to get satisfactory...
by tooluser
Fri Feb 16, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6952

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Rebalancing just isn't that much of a practical burden. A person should be staying involved with whether or not their investments are appropriate for their situation as years go by anyway. I disagree in part. Some people have jobs that can demand 100% of their attention for weeks at a time. Many ot...
by tooluser
Wed Feb 07, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: There is no precise plan
Replies: 16
Views: 2112

Re: There is no precise plan

"In preparing for battle I have always found that plans are useless, but planning is indispensable." -Eisenhower I am always amazed at how many people fail to plan. I believe most people think a plan is something they need to stick to and never change. Boring. Instead, I believe a plan is a baselin...
by tooluser
Wed Jan 31, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3589

Re: How to ship two big tubs of butter internationally?

tyrion wrote:
Wed Jan 31, 2018 4:25 pm
I think it's ridiculous that people don't use the search function. It feels like we're just answering the same questions over and over again.
:sharebeer
Yes, all those previous mango butter questions! Why isn't there an article in the Wiki by now? :beer
by tooluser
Sat Jan 27, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4942

Re: Does anyone not rebalance?

Somewhere along the line I started a 90%/10% total US stock market/international growth stock portfolio from a newsletter/radio guy recommendation. I have not rebalanced in 20 years, nor have I added new money except for dividend reinvestment, because it never got so far out of whack that I felt the...
by tooluser
Fri Jan 26, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 13264

Re: When did the bad news start in 2008?

I was an individual stock investor at the time, and owned some NDE (IndyMac Bancorp), which was at the center of the subprime mortgage meltdown. NDE (IndyMac Bancorp Inc) Date Price Sep 2006 41.16 Oct 2006 45.29 Nov 2006 47.66 Dec 2006 45.16 Jan 2007 38.00 Feb 2007 34.33 ... Oct 2007 20.79 Where I s...
by tooluser
Tue Jan 23, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: The Crash of May 1940
Replies: 3
Views: 675

Re: The Crash of May 1940

One way to read that chart is that it predicted a 74% chance of the Allies winning WWII.
by tooluser
Tue Jan 23, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times
Replies: 29
Views: 5206

Re: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times

1. Do you really need it? 2. Don’t be in a rush to replace it 3. Think twice, buy once 4. Reuse, repurpose, recycle 5. How much do you really need? 6. Be willing to wait 7. Do it yourself 8. Repair it, don’t throw it away "Use it up, Wear it out, Make it do, Or do without." They were also more frug...
by tooluser
Tue Jan 23, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 47
Views: 3218

Re: Using disinfecting wipes to clean surfaces

As for barnaclebob's comment: Good lord people, close the toilet lid before flushing. That's what it's there for (not for sitting, it turns out). Closing the lid does very little. Indeterminate, actually. https://en.wikipedia.org/wiki/Toilet_plume Goodness gracious, there's a Wikipedia entry for it...
by tooluser
Fri Jan 19, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 5686

Re: Do we need an emergency supplies kit (go bag)?

Pretty good list for a medical Go bag: https://www.health.harvard.edu/staying-healthy/are-you-prepared-for-a-medical-emergency Other than that, a nuclear disaster is probably the only thing I would leave for, and it would likely be too late. Earthquake is most likely a stay-put situation. (I am in L...
by tooluser
Fri Jan 19, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1965

Re: How will or might nonprofits be affected by tax law changes?

What about the effect on nonprofits that are not charities?
by tooluser
Tue Jan 16, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1481

Re: Kayak Germany flights more than 60% than airline site??

bungalow10 wrote:
Mon Jan 15, 2018 9:44 am
ready20 wrote:
Mon Jan 15, 2018 9:30 am
thanks for the info- other concern is the flight times that Kayak shows for Luthansa don't even show up on the Luthansa website as existing....
One thing to make sure is that you aren't having challenges with time zone or currency conversion.
Yes, that's odd - definitely not my experience.
by tooluser
Sun Jan 14, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1481

Re: Kayak Germany flights more than 60% than airline site??

Most airlines and hotels have price match guarantees. Unfortunately, they require you to purchase first, then submit a claim. I would take a screenshot of the offer on Kayak and send it in to see if it would qualify. Get an answer in writing before you book! https://www.lufthansa.com/us/en/Best-Far...
by tooluser
Sun Jan 14, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1481

Re: Kayak Germany flights more than 60% than airline site??

I just booked a business class ticket today, but not on Kayak. I also saw the much lower prices (approx. 60% lower) and sniffed around enough to convince myself I didn't want the risk of buying through a fourth party (Kayak). If you go partially through the booking process, at the bottom of one of t...
by tooluser
Sun Dec 17, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2656

Re: Buying a new sofa with two young kids?

My life experience is that people are more important and memorable than furniture.
by tooluser
Sun Dec 17, 2017 11:16 pm
Forum: Investing - Theory, News & General
Topic: The Dog Years Of Investing
Replies: 6
Views: 2089

Re: The Dog Years Of Investing

This echoes my own experience though on a much lower scale than Buffet's. But I think it had a lot to do with the market behavior in general. First 10 years (88-98) was okay. Next 10 years (98-08) was awful. The last 10 years have been spectacular. The message would have been smeared and diluted wit...
by tooluser
Fri Dec 01, 2017 9:16 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 4134

Re: Is 60/40 mix the sleep mix or 80/20 mix

Vanguard LIfeStrategy funds: I consider the higher fee compared to owning each fund separately to be the fee for Vanguard rebalancing my portfolio when I might be too distracted to do so myself. Worth it in my mind, $300-400 per year per $1M invested. It could save me from substantial losses in a ra...
by tooluser
Fri Dec 01, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 4033

Re: Win Bigly - Scott Adams

I'm not a big fan of self-help books (or TED Talks, which are essentially the same thing). I find the advice works best for the author/presenter, and I am lucky if I get even one idea I can work on for myself. Nevertheless I read or view them from time to time. Brain candy. I love it when people are...
by tooluser
Thu Nov 30, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 12190

Re: Price of haircut?

$20 includes tip Suburban northeast ohio MCOL area Ditto Urban Los Angeles I could get a haircut for $8 including tip if I wanted a military cut. At $20 that works out to $40-60 an hour, or $24-36 per hour net if the shop takes half the base. That's not a terrible wage. I'm guessing the $8 cut take...
by tooluser
Mon Nov 20, 2017 11:40 pm
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 4085

Re: WSJ commentary about declining # of publicly traded companies

Rick Ferri's article referenced in that discussion: https://portfoliosolutions.com/latest-learnings/blog/incredible-shrinking-market Rick Ferri's article has a graph of the # of stocks in the Willshire 5000 index over time. It doesn't look cyclical. Thank you for the graph! I wish it went more to t...
by tooluser
Mon Nov 20, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Add international value?
Replies: 10
Views: 1561

Re: Add international value?

I have a 10-speed portfolio (in taxable) of 10% allocation to each of 10 categories, one of which is international value (iShares EFV, European Value). That was down relative to the other sectors for a long time, and I often bought shares to keep it in line. What a terrible waste to keep throwing mo...
by tooluser
Sat Nov 18, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 4085

Re: WSJ commentary about declining # of publicly traded companies

But even bigger is the amount of information turned over that can often be proprietary in a way that reduces competitive advantages. It’s a huge competitive advantage to be private for that reason. Now we're getting somewhere, and yet... It's the law that companies can protect their proprietary inf...
by tooluser
Sat Nov 18, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance: AAA vs. Travellers
Replies: 18
Views: 1301

Re: Auto Insurance: AAA vs. Travellers

It's kind of confusing, because sometimes insurers operate under multiple names but here's what they published for CA. My insurer operates under at least 48 names. It's a major company, and only 13 of the names include the name of the parent insurance company. I think they do that to spread out the...
by tooluser
Sat Nov 18, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 4085

Re: WSJ commentary about declining # of publicly traded companies

Sarbannes-Oxley. I note for the record that no one ever provides specifics after mentioning that phrase. Thus it appears to be nonsense to the casual observer, though you may in fact be correct. I don't know. The top hit on bogleheads.org is a very short thread: https://www.bogleheads.org/forum/vie...
by tooluser
Sat Nov 18, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 4085

Re: WSJ commentary about declining # of publicly traded companies

Sarbannes-Oxley. I note for the record that no one ever provides specifics after mentioning that phrase. Thus it appears to be nonsense to the casual observer, though you may in fact be correct. I don't know. The top hit on bogleheads.org is a very short thread: https://www.bogleheads.org/forum/vie...
by tooluser
Sat Nov 18, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10770

Re: Thoughts about wearing a "uniform"/same thing everyday?

I arranged my shirts in my closet so laundered shirts went in on the left and I picked shirts to wear from the right (This is basic fairness so some shirts didn't feel left out.) :!: I am more likely to spill my breakfast on a favored shirt than on one less so ensorcelled. Correlated with how favor...
by tooluser
Sat Nov 18, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10770

Re: Thoughts about wearing a "uniform"/same thing everyday?

TomatoTomahto wrote:
Mon Nov 13, 2017 9:17 am
After 3 or 4 weeks, the pants walk by themselves.
Saves one a trip to the office... :mrgreen:
by tooluser
Sat Nov 18, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 2293

Re: Bank of America Premium Rewards card

Look for the "Your Credit Card Rewards Strategy" thread elsewhere on this site - lots of info there. My own experience was that I was already a longtime BofA customer :happy, and decided I would also open a Merrill Edge account to get the cash bonus and other rewards you mention. The ME account open...
by tooluser
Fri Nov 10, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10770

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I've read some, but not all of the posts. If you think appearance plays no role in career advancement, I think you are mistaken. There may be exceptions, and it may be on the margins, but it is still there. I know of people in my lifetime who worked in conservative industries and wore no socks and ...
by tooluser
Wed Nov 08, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1439

Re: Benefits at 55

There is a wiki with checklist important retirement dates. https://www.bogleheads.org/wiki/Checklist_of_important_retirement_dates I suggest the wiki entry for age 50+ be updated to state age 49 instead. One is eligible to make catch up contributions starting in the calendar year in which one turns...
by tooluser
Sun Nov 05, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Does Blackrock think it's all a game?
Replies: 33
Views: 5146

Re: Does Blackrock think it's all a game?

Proper gamification should include: Training Equipment Practice Scrimmage Official Play Record Keeping Meaningful Awards for Top Performance External Critiques A Path to Professional Level Play Agents as An Enabler to Greater Success Where are these in your own life? Which areas in the financial wor...
by tooluser
Thu Nov 02, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Warning Buffet Indicator?!?
Replies: 31
Views: 2926

Re: Warning Buffet Indicator?!?

If you pay in advance it will not be good. If you pay in the middle, only the first part will be good (Souplantation does this). If you pay at the end it has a decent chance of being good, but is not a guarantee. Avoid Palm Springs and the area around Mammoth Caves. If you are over 40, don't try to ...
by tooluser
Fri Oct 20, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Returning only the signature page [of a legal document]
Replies: 12
Views: 1495

Re: Returning only the signature page [of a legal document]

I recently had to get my signature on a document notarized. The notary would not affirm the signature unless the entire document was present. I had to go home, print another page, and come back the next day because there were two almost identical pages in the document. Only the page numbers differed...
by tooluser
Thu Oct 19, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 3202

Re: Pant Recommendations (Business Casual)

Brands have different fits now, but you seem to be concerned about the waist only. If the pants are too tight around the waist, they don't fit properly. Different brands can vary for the same nominal waist size, but even then the different models within the brand can vary, so you have to try them o...
by tooluser
Thu Oct 19, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 60909

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I don't know if he knew the size of my account or if he was (more likely) just phoning everyone on his list. I'm pretty sure they have your account details in front of them when they call. I get a call from the nice man *only* when I deposit 10k or more. Since I don't want to talk to anybody I am l...
by tooluser
Tue Oct 17, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 60909

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I just happen to be in the middle of trying to transfer some ETFs (Vanguard and iShares) from TD Ameritrade to a new Merrill Edge account. My impression so far is that ME is incompetent, though I am reserving final judgment on that. Several trivial mistakes on their part (e.g. two typos they made wh...
by tooluser
Sun Oct 15, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 85
Views: 9389

Re: Pension Freeze - What did you do?

One way my former employer handled it was to use (age + years of service) as its threshold. In that way, older employees with less service were held harmless (which had to help with "disparate impact" lawsuits) and younger, longer-term loyal employees were also held harmless. You might suggest some...