Search found 120 matches

by palaheel
Wed Jan 16, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 806
Views: 38561

Re: John Bogle is dead at 89

Rest in Peace, Jack.

I never figured out why he didn't win the Nobel Prize. He certainly took a theoretical idea and showed how it could revolutionize the economic lives of millions around the world.
by palaheel
Tue Jan 15, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31208

Re: Funniest movies of all time? Name five of your favorites...

Tootsie
Blazing Saddles
The Adventures of Buckaroo Bonzai Across the 8th Dimension
Love Actually
A Christmas Story
by palaheel
Sun Jan 06, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6242

Re: What do you think are (some of) the best states to live in?

You don't want North Carolina. And definitely not Raleigh-Durham. Anywhere but here. Way overcrowded. And August is unbearable. I don't know how we've survived the 45 years since college. :D I'm remember my first trip to Austin. I rented a car, and driving to the hotel I saw a bumper sticker "Welcom...
by palaheel
Fri Jan 04, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3808

Re: 11 days in Europe...Budget and logistical advice please

Decide what you like--modern history, medieval history, culture, art, etc. Let that be your guide. We like medieval castles, cathedrals, history. Also some art, and plays--DW really loves theater. To each his own. I find that too much traveling quickly hits the point of diminishing returns. Just lik...
by palaheel
Thu Dec 27, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Was thinking of purchasing own modem, need advice
Replies: 18
Views: 996

Re: Was thinking of purchasing own modem, need advice

My ISP/cable company has a list of approved modems. Be sure to check yours. It's been a good investment for me. Just be careful when "remote technical support" tells you that your equipment needs to be replaced. I had their technician come to my house, and he discovered that the path from the ISP to...
by palaheel
Thu Dec 27, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7233

Re: What was your best investment in 2018?

Megacorp 401k stable value fund. It didn't make much, but it lost nothing. My 60/40 moved to 55/45 because of that. Is anyone else having trouble rebalancing to a moving target?
by palaheel
Tue Dec 25, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9727

Re: 2008/09 vs. 2018

All three major indices are either in a bear market or very close to one. How does 2018 compare to 2008/09? This current decline in the markets is tied to uncertainty about trade, politics, etc. There was no such uncertainty in 2008/2009; there was clearly a general economy catastrophe. Banks were ...
by palaheel
Sat Dec 22, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Does anyone remember window/DOS batch file scripts?
Replies: 24
Views: 2379

Re: Does anyone remember window/DOS batch file scripts?

You might also already have Python 3 installed. I think this would work. Put the thermostat output in a file thermostat_data.txt in the same directory as this program. It should produce a file consolidated_data.txt that has the duplicate information removed. (Boy am I having problems with posting th...
by palaheel
Fri Dec 21, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Investing In Short Time Horizons
Replies: 44
Views: 3070

Re: Larry Swedroe: Investing In Short Time Horizons

whodidntante wrote:
Fri Dec 21, 2018 2:38 pm
Dave should keep on posting. Some of us like these discussions.
+1
by palaheel
Thu Dec 20, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 26
Views: 2042

Re: Cell Phone Plan/Carrier Recommendation?

Some MVNOs include taxes and fees in the published price, some don't. If you hit the data limit on your plan, some MVNOs degrade the data speed, and some discontinue the data service until the next month. Some MVNOs cap data speed or are given lower priority than the carrier's own customers. Just kn...
by palaheel
Mon Dec 17, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2270
Views: 398135

Re: What are you up YTD? [Year To Date]

With the recent volatility, I can tell you where I was, but I don't know where I am. :?

I was around -6.7% for the year.

I'm 60/40 equities/short term bonds

The stocks are 50/50 US/International, with modest value/small tilts.
by palaheel
Sun Dec 16, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 1732

Re: Raspberry pi or starting an 11 year old with programming

Summer day camps are also available. In my area, the local community college has high-tech related day camps.
by palaheel
Sun Dec 16, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 1732

Re: Raspberry pi or starting an 11 year old with programming

the computer does exactly what you say and if it’s behaving unexpectedly the computer is just doing what it’s told as well as it can.... This has application in many aspects of life. Breaking down a problem into component parts, and aligning what is intended and what is said are not a natural skill...
by palaheel
Tue Dec 04, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8997

Re: How did YOU choose your career?

I come from a family of Math teachers. In a small rural high school, I had one aunt for four years of high school math. My other aunt jumped ship from teaching math and went into computer programming. She lent me a Fortran book the summer before my freshman year. I quickly realized that with a littl...
by palaheel
Thu Nov 22, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 11672

Re: Small Value: 15 years of underperforming

Socrates28 wrote:
Thu Nov 22, 2018 7:12 pm
Vanguard small cap value index is much more midcap than small cap value
VBR is more midcap. VIOV is small cap.
by palaheel
Thu Nov 22, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 11672

Re: Small Value: 15 years of underperforming

b) Both small-cap value and small-cap growth outperformed Total Stock, as measured simply by dollars. If you're pointing to raw dollars and don't care about risk, a small-cap value tilt was still beneficial. It is only when you look at risk-adjusted return as measured by the Sharpe ratio that you f...
by palaheel
Thu Nov 22, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 11672

Re: Small Value: 15 years of underperforming

Growth being better than Value certainly happens. This table shows the odds from a longer study involving multiple 1, 5, 15, etc periods: https://paulmerriman.com/wp-content/uploads/2018/06/Asset-Class-Comparisons.pdf SCV was the best asset class for 56% of the 15 year periods, SCG for less than 8%....
by palaheel
Tue Nov 20, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13266

Re: Can someone explain what's going on [with the stock market]?

At least I haven't heard that ancient curse: "This is the new normal."
by palaheel
Thu Nov 08, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: How to Encrypt a Text file?
Replies: 53
Views: 4049

Re: How to Encrypt a Text file?

Is veracrypt still around? It was good for presenting itself as a file system to windows.
by palaheel
Mon Nov 05, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6379

Re: Do I need more than Original Medicare?

My megacorp booklet for retirees and Medicare has a useful decision tool for what type of Medicare plan to use: How many doctors or specialists do you see regularly? More than 6: 3 points 4 to 6: 2 points 3 or fewer: 1 point How many times per year do you see your doctors? More than 10 times: 3 poin...
by palaheel
Sat Nov 03, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 4002

Re: Post FiRE job...teaching??

I retired from megacorp as a S/W Engineer and now teach at a community college. I can speak only about my experience in my state (NC). I would apply as an adjunct instructor and see where it goes from there. Two courses for one semester would be survivable, even if you decided you hated the job. If ...
by palaheel
Sat Oct 27, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
Replies: 15
Views: 2270

Re: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds

S_Track wrote:
Fri Oct 26, 2018 10:42 pm
By adding an all stock fund to the TDF you essentially increase your asset allocation toward stock.
He's relatively decreasing his internationals, too. Given his advocacy for holding internationals, I find reducing them curious.
by palaheel
Fri Oct 26, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 10: International with and without emerging markets
Replies: 33
Views: 1978

Re: Matter/scatter, part 10: International with and without emerging markets

Is there a problem with the caption on the right of the figures? The green dot says "EM...," and the red dot says "Developed only." In the text, the colors are reversed.
by palaheel
Thu Sep 27, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3540

Re: Good flip flops

My wife loves Olukai.
by palaheel
Sun Sep 23, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3872

Re: How to get rid of rabbits

I would try to find a falconer. I don't think a visiting hawk would control a population, but they're fascinating birds to watch. It would be great fun.
by palaheel
Sun Sep 23, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6841

Re: My Very First Smartphone — Please Critique This Plan

Usage is clearly important, and driving most of the suggestions here. If you're going to stream video over a cell network, you'll need more data. You'll also want a larger display. Probably 95%+ of DW and my data come over WiFi, and so doesn't count. When not on WiFi, I stream an hour or so of audio...
by palaheel
Sun Sep 09, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5776

Re: Low pay and low stress jobs with health benefit

If you're considering an educational environment, check out the local community college. Depending on your subject of expertise, they might be begging for help.
by palaheel
Fri Sep 07, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16923

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

London. History, culture, museums (the Brits stole only the very best), theatre, art. Even the buskers are fantastic. And they speak something close to the right language :happy The food can be endured.
by palaheel
Thu Sep 06, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 8099

Re: Should I keep my financial advisor

In last 2 years, I have roughly made about 10% per year on my investment compared to about 18% for the S&P 500 with dividends reinvested. I do not know how to calculate the return of 3 fund portfolio. In the past 12 months, Vanguard total stock returned 18%, Vanguard S&P 500 fund returned 17%. And ...
by palaheel
Wed Aug 22, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 70
Views: 7027

Re: Am I Wrong for being 100% Equities ?

In 2009 I was laid off/retired at 55 and 100% in mutual funds. When I realized that, I decided that my decades-long 100% equity position had been stretched too far. I've never sold during a crash, and it was the "being 55" that bothered me more than the crash. I slowly started to move to a more bala...
by palaheel
Sat Aug 18, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 9226

Re: Edward Jones rep door knocking

andypanda wrote:
Sat Aug 18, 2018 11:31 am
I have had a lighted doorbell next to my front door for 26 years. It isn't hooked to a buzzer, bell or ringer. My friends know to knock. My close friends come straight to the kitchen door.
This is the funniest thing I've seen on this board in a long time. Well done.
by palaheel
Mon Aug 13, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26051

Re: most compelling TV character ever

One more damaged detective: Grace Hanadarko (Holly Hunter) in Saving Grace, and her angel, Earl.
by palaheel
Thu Aug 09, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26051

Re: most compelling TV character ever

For some British shows,

Idris Elba in Luther, a British cop series. Luther is one damaged detective.

Patrick McGoohan in both Secret Agent (aka Danger Man) and The Prisoner.
by palaheel
Thu Aug 02, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 23220

Re: Treasury Bonds are the Only Bonds You Need

I have a naive question: When y'all speak of "Treasury bonds," do you include other government-backed securities? For example, PIMCO GNMA and Government Securites (PDMIX) is available in my 401k. Should I view VFIUX (Vanguard Intermediate Treasuries Admiral) as safer?
by palaheel
Wed Aug 01, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2164

Re: Planning a trip to France in June 2019 - ADvice ?

Lots of good advice here. I suggest prioritizing things you like: culture, art, history (which period?), what other interests to you have? Does anyone have a connection to a region or historical period or genre of art? Does anyone have a dream ("When I was little I dreamed about ....")? Let your int...
by palaheel
Mon Jul 30, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 56
Views: 5824

Re: SocialSecurity.tools updated to include spousal benefits

This, combined with the Open Social Security calculator, are the most understandable tools I've seen. Thank you. Thank you. Thank you.
by palaheel
Mon Jul 16, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2597

Re: Passport expiration time rules for France

Many years ago I asked a French immigration agent what they looked for when checking my passport. As I remember, he said "I look that the expiration month is not the current month." So if your passport expires on 3/1, and you're entering France on 2/28, you're probably ok. On the other hand, if you'...
by palaheel
Wed Jul 11, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2896

Re: Prepaid cell phone plan vs Regular Contract Plan

I'm also happy with Cricket. One thing I like is that the monthly price includes taxes and other fees. When I was on the major carriers, those were always added charges. I don't know if that's still the case.
by palaheel
Tue Jul 03, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 84
Views: 6230

Re: Multi-Factor funds vs. Total Stock Market

Hey, if we're going to play the "pick the fund with good past performance game" let's let loose. DFA U.S. Targeted Value Portfolio (DFFVX) is a multi-factor fund with a 15 year track record. Let's compare it with Vanguard Total Stock Market (VTSAX) as of June 30, 2018: Fund ----------- 15-year retu...
by palaheel
Fri Jun 22, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 2231

Re: Vanguard Total International Fund

Let me know if I'm missing something. This is the investor class. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2017&firstMonth=1&endYear=2017&lastMonth=12&endDate=06%2F21%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annua...
by palaheel
Fri Jun 22, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 2231

Re: Vanguard Total International Fund

Over these many years, I have heard that an investor should avoid Indexed International Equity Funds as the Total International Stock Fund at Vanguard. Unfortunately, I did not follow the advice. Managed International Equity Funds are preferred. And so, I should have chosen the International Growth...
by palaheel
Sat Jun 16, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7179

Re: Need advice on 1st international vacation

One thing few tourists see is the Ceremony of the Keys at the Tower of London. It's the ceremonial locking of the tower each evening. In the pre-internet era, tickets had to be obtained well in advance. I don't know about now.
by palaheel
Thu Jun 14, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 78
Views: 8466

Re: Living Abroad - Who's done it?

Is there something special about your destination? Or is it just a change? DW and I did a year in England in the early 80s, and (with kid) almost 3 in France in the mid-90s. Both were on Megacorp's dime, which "helps...." For us, getting closer to the history and culture of Western Civilization was ...
by palaheel
Sun Jun 10, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Benjamin Graham's lesson on timing
Replies: 23
Views: 3058

Re: Benjamin Graham's lesson on timing

“The market can stay irrational longer than you can stay solvent” :-). ...I say small taste because I see a big difference between in and out market timing versus opportunistically taking risk off the table as one approaches retirement and the retirement portfolio, a one direction move. Dave I don'...
by palaheel
Sun Jun 03, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7179

Re: Need advice on 1st international vacation

In Italy, prices can be negotiated. Even if you don't intend to haggle, ask the price before getting into that cab.
by palaheel
Sun Jun 03, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7179

Re: Need advice on 1st international vacation

I would decide three or four topics--history, art, natural history, etc, and keep those ideas in mind while making decisions. Most major cities will have day tours that you can book when you arrive. Those are good for things just a bit out of town, like Versailles. We would always take a "stay on th...
by palaheel
Sun May 27, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 71
Views: 23588

Re: Thoughts on Paul Merriman's Portfolio

Paul, thanks for your DFA fund choices and allocations. I have access to some DFA funds in my 401k (not your choices, sadly), but your choices give me something to work with.
by palaheel
Thu May 24, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Switching jobs, what to do with 401k
Replies: 13
Views: 1568

Re: Switching jobs, what to do with 401k

I would evaluate the old plan to the alternatives. My Mega Corp 401k is low cost and has several DFA funds, among others. I don’t know of anything better that I could get elsewhere.
by palaheel
Mon May 21, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless, Unlocked Phones, Advantages, SIM Size
Replies: 10
Views: 948

Re: Cricket Wireless, Unlocked Phones, Advantages, SIM Size

If WiFi calling is important, Cricket says that you have to purchase the phone from them. I’m not sure how they could tell my Cricket purchased but now unlocked iPhone SE from my wife’s unlocked non Cricket iPhone SE, but that’s what they claim. I think it’s a great feature. I get no cell signal in ...