Search found 291 matches

by Hyperborea
Sat Oct 21, 2017 2:09 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 88
Views: 9004

Re: Converting to Safety Razors

I experimented with safety razors for at time and it was kind of cool but it was a lot of hassle and it was more of a hobby thing than I wanted to get into. I went back to my 2 blade Sensors and a Panasonic electric for quick shaves and touch ups (much better than the Brauns I had been using for dec...
by Hyperborea
Thu Oct 19, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 20
Views: 1372

Re: idiot proof router?

FYI :happy https://on.google.com/hub/ Thanks, but I am not seeing that this has any Ethernet ports? My septic system will be using Ethernet to communicate with the maintenance and monitoring company. Get an access point for those devices. You can plug your ethernet requiring devices into it and it ...
by Hyperborea
Thu Oct 19, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 157
Views: 11327

Re: Account security - Hackers gain access to mobile and then break havoc

It's important to set up accounts such that there is never a pull possible from the more secure account by a less secure account. My brokerage accounts are the most secure and the only way for money to get out is to push it from within the brokerage. If somebody breaches one of my bank accounts the...
by Hyperborea
Thu Oct 19, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 157
Views: 11327

Re: Account security - Hackers gain access to mobile and then break havoc

For Fidelity customers, here's another option (that I just discovered yesterday): In the "Alerts" section you can set up a schedule to have Fidelity email you your current balances daily. It becomes trivially easy to keep an eye on your account to make sure nobody has emptied it, and it doesn't eve...
by Hyperborea
Thu Oct 19, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1505

Re: Multi-currency accounts for US citizen

Maybe an even simpler option would be to have him sign up for a credit card with no foreign transaction fees. That way he can travel to as many countries as he wants, and never have to worry about different currencies and transaction fees. Also, this gives him most value for his dollars and helps b...
by Hyperborea
Tue Oct 17, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5393

Re: What do you buy in Asian food stores?

The local Japanese grocery stores (we have a half dozen in easy range) have it in the freezer section as well as fresh. I have seen something similar at the local Korean grocery stores (we have several of those too) and I think many of the east Asian cultures have something similar. Not sure if the...
by Hyperborea
Tue Oct 17, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire / Visa Infinite Concierge
Replies: 4
Views: 782

Re: Chase Sapphire / Visa Infinite Concierge

Unsure about Chase Sapphire / Visa Infinite Concierge service, but I would watch the BGL calender or StubHub for tickets. Also he does shows at other venues close to Chicago if you can't get to BGL. Watch StubHub for tix. It sounds like you've been to a Buddy Guy show at Legends before. Any idea on...
by Hyperborea
Tue Oct 17, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5393

Re: What do you buy in Asian food stores?

I wanted to buy some natto, Japanese fermented soybeans. You sure you like to try natto? Supposed to mix with rice and eat. Just like westerns like blue cheese. These stick soybean will bring very interesting flavor to your taste. I have very simple taste and I can eat anything. I became interested...
by Hyperborea
Mon Oct 16, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5393

Re: What do you buy in Asian food stores?

I wanted to buy some natto, Japanese fermented soybeans. You sure you like to try natto? Supposed to mix with rice and eat. Just like westerns like blue cheese. These stick soybean will bring very interesting flavor to your taste. I have very simple taste and I can eat anything. I became interested...
by Hyperborea
Mon Oct 16, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire / Visa Infinite Concierge
Replies: 4
Views: 782

Chase Sapphire / Visa Infinite Concierge

Any experience with the concierge service offered with a credit card? I'll be using my Chase Sapphire which has the Visa Infinite concierge but other general experience is welcomed. I have booked a stopover in Chicago in early January on the way back to the Bay Area after visiting family over XMas. ...
by Hyperborea
Mon Oct 16, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: X times salary, backwards calculation?
Replies: 23
Views: 2212

Re: X times salary, backwards calculation?

I did find the SS and other tabs. It’s default retirement allocation assumption is 75% stocks and 25% bonds which seems awfully aggressive. I changed it to 60% but that didn’t change the results at all. ???? For 30 year retirements with a 4% WR an allocation from around 40% to almost 100% are prett...
by Hyperborea
Sat Oct 14, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: X times salary, backwards calculation?
Replies: 23
Views: 2212

Re: X times salary, backwards calculation?

I did find the SS and other tabs. It’s default retirement allocation assumption is 75% stocks and 25% bonds which seems awfully aggressive. I changed it to 60% but that didn’t change the results at all. ???? For 30 year retirements with a 4% WR an allocation from around 40% to almost 100% are prett...
by Hyperborea
Sat Oct 14, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: X times salary, backwards calculation?
Replies: 23
Views: 2212

Re: X times salary, backwards calculation?

There is no heuristic with salary that makes any sense since as you note "this will vary by lifestyle, spending habits, etc.". This doesn't even make sense for normal retirement except in a small window. It's like drawing the tangent to a curve - it will approximate the curve for only a small range ...
by Hyperborea
Sat Oct 14, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications of investing through London Stock Exchange for non-resident investors
Replies: 23
Views: 2003

Re: Tax implications of investing through London Stock Exchange for non-resident investors

Are you moving to the UK (or another country with equivalent US income tax and US estate tax treaties)? If yes, you could also use US domiciled ETFs without issues, since the UK/US tax treaties provide you with comparable US tax rates on dividends and decent insulation from US estate taxes. This is...
by Hyperborea
Fri Oct 13, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4679

Re: Sonoma in October

The air quality numbers have greatly improved for the south bay and the peninsula. Wednesday it was a foul fog and visibility was limited. I've been running the house fan semi-continuously so that the furnace filter can help clean the air in the house. Here's the federal government air quality site ...
by Hyperborea
Fri Oct 13, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 49
Views: 5791

Re: How young is too young to retire.

Don't leave everything until tomorrow whether you are retiring early or not. Take some of those vacations, don't save getting back into shape, take up some sort of hobby while you are still working. You don't know if you are going to make it to retirement, this will make your life enjoyable now, and...
by Hyperborea
Thu Oct 12, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3518

Re: 100% invested, all in, no cash- how do you do it?

I have been wondering about this too. The underlying problem is even with steady secure employment and a long investment horizon individual expenses are more granular. Different months have different expenses - car, trips, purchases etc. I would like to have next to no EF and an exceedingly small a...
by Hyperborea
Thu Oct 12, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4679

Re: Sonoma in October

If those with plans to come to Napa/Sonoma this month can't change the flights they might want to consider going down the coast to the Paso Robles and Santa Ynez area instead. Some lovely wineries down there and a lot of good pinot.
by Hyperborea
Wed Oct 11, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3518

Re: 100% invested, all in, no cash- how do you do it?

I was 100% invested (100% in stocks) until the year or so before I retired. What does that mean? It means that none of my allocation was to cash. I had cash but it was a relatively fixed dollar amount - fixed dollar emergency fund and a cash float at the credit union. The amount in cash was never re...
by Hyperborea
Wed Oct 11, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

Hyperborea, << If you are in tech then you do need to keep your skills up - you can't coast like you can in other jobs but 40 and 50 are not death sentences. I've been a hiring manager and been hired by one of the reputed "only young people" tech companies and it comes down to skills.>> Your experi...
by Hyperborea
Wed Oct 11, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

Your assumption is a person could plan for early retirement and has the choice to move the retirement back by a few years. I work in an industry where many of my peers are forced into early retirement, permanent unemployment or under-employment in their 40s and 50s. OP needs to assess where he fall...
by Hyperborea
Wed Oct 11, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14241

Re: Bay Area Real Estate

As an example, when my parents divorced they sold their house to my brother. They had bought the house in 1963 and the assessed value was something like $70k when they sold in 1996. Market value was about $325k. Taxes were about $700/yr! So does the recipient of the house (eg your brother) keep the...
by Hyperborea
Wed Oct 11, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

I do not think it is safe to assume that OP at 30+ with 1 million will retire in 30 years. OP would have to answer this question in order to any recommendation of AA to be useful. KlangFool If the OP is planning to retire early/very early then a higher stock allocation is needed for the longer reti...
by Hyperborea
Tue Oct 10, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

So, the moment you retire your investment horizon is over? It's not. You've got another 30-60 years depending on how young you've retired. I'm retired and I'm looking at a 40-50 year investing horizon. Why is the fact that stocks go up and down potentially a large amount in a single year going to s...
by Hyperborea
Tue Oct 10, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

Thank you for this input, however past performance is not indicative of future performance. investing1012, If you believe that, then, why are you 100/0 and 80/20? If you use past performance to justify 100/0 and 80/20, then, you could not ignore that it is risky to have that kind of AA when you are...
by Hyperborea
Tue Oct 10, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

If you want to be financially independent as soon as possible then 100% equity. It will have the widest time variation in getting there but the lowest expected time. But you also need an allocation that you can live with. If you are too aggressive and you change the allocation at the wrong times be...
by Hyperborea
Tue Oct 10, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

Thank you for this input, however past performance is not indicative of future performance. investing1012, If you believe that, then, why are you 100/0 and 80/20? If you use past performance to justify 100/0 and 80/20, then, you could not ignore that it is risky to have that kind of AA when you are...
by Hyperborea
Tue Oct 10, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

What's a Good Asset Allocation for a couple in their mid 30s with relatively high stable incomes in terms of Stock/Bond asset allocation? Their main goal is to be financially independent sooner rather than later. As a starting point I like to look at what asset allocation a target date fund uses fo...
by Hyperborea
Tue Oct 10, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6818

Re: How big a portfolio should I have before retiring?

Just try to tell my wife to retire and she'll look at you like you're a fool because she is doing something she loves that brings her happiness. She is one of these people who tell you she'd work even after winning a $100,000,000 lottery. That isn't how I function, but to each their own. I on the o...
by Hyperborea
Tue Oct 10, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2593

Re: What is a good Asset Allocation

If you want to be financially independent as soon as possible then 100% equity. It will have the widest time variation in getting there but the lowest expected time. But you also need an allocation that you can live with. If you are too aggressive and you change the allocation at the wrong times bec...
by Hyperborea
Mon Oct 09, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6818

Re: The Trinity Study

EdLaFave: Our wiki has an excellent article about The Trinity Study which I used when calculating our withdrawal rate. It worked. This is the link: https://www.bogleheads.org/wiki/Safe_withdrawal_rates Best wishes. Taylor The Trinity Study assumed 30 years periods which are probably fine for 65 yea...
by Hyperborea
Mon Oct 09, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4679

Re: Sonoma in October

For those in this thread who said they were going to be visiting Napa and/or Sonoma in October note that there are some massive wildfires happening right now. You should check out how this will impact your trip plans. I can smell the smoke and I'm a long way away in the South Bay Area. http://www.sf...
by Hyperborea
Sun Oct 08, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 52
Views: 3128

Re: Password Protection

I think at this point we've entered fantasy land. For every regular person reading this thread they should use a password manager. Use one of the well regarded ones and don't worry if it stores the encrypted passwords in the cloud. Use a strong password and enable two factor authentication. If you a...
by Hyperborea
Sun Oct 08, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6818

Re: How big a portfolio should I have before retiring?

$68k / year at 4% WR → $1.7M $68k / year at 3% WR → $2.3M The OP doesn't need $68k a year from her portfolio, though. She needs somewhere between $0 and $20,000 a year from the portfolio. $20k a year at 3% is $600,000. That requires that the wife keeps working "forever". (Well, until Social Securit...
by Hyperborea
Sat Oct 07, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6818

Re: How big a portfolio should I have before retiring?

Read the 20 part and counting series on retirement withdrawals at Early Retirement Now to figure out how much you would feel comfortable withdrawing. What matters a lot is what age will you retire and what asset allocation will you have (particularly for the longer retirements of early retirees)? If...
by Hyperborea
Sat Oct 07, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 52
Views: 3128

Re: Password Protection

This past post is very helpful, IMHO, especially the part about reducing the risk of keyloggers. https://www.bogleheads.org/forum/viewtopic.php?p=2195927#p2195927 Step 6: Make LastPass master password safer - I stopped typing the whole master password (pass phrase actually) to reduce the risk from ...
by Hyperborea
Fri Oct 06, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3062

Re: Simple Notebook/laptop

They're not bad devices, but I don't think they're ripe yet, and don't think beginners need to be guinea pigs. I'd revisit in a year or two. That might have been valid five years ago, but not now. First Chromebook was on the market in 2011. As someone who has only played with a Chromebook, specific...
by Hyperborea
Fri Oct 06, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3062

Re: Simple Notebook/laptop

The only drawback is that most 3rd party software cannot be loaded (which adds to security) but most things that we used to load software for can now be accomplished online. Google has it's own spreadsheet, word processing, calendar, mail and other standard programs which can open and save files in...
by Hyperborea
Fri Oct 06, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3062

Re: Simple Notebook/laptop

Well it doesn’t have the Windows OS which may or may not be important depending on your use case. I think the odds of that are probably low. If the OP's mother really had software needs that required a Windows box then there is high likelihood that the OP's mother would be doing the computer shoppi...
by Hyperborea
Thu Oct 05, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14241

Re: Bay Area Real Estate

First, most cities have far more than one horse, although less than Silicon Valley, true. Second, no one is "hitched" anymore to a town with the increase in telecommuting jobs, and of course, being willing to move is always an option. I keep seeing the telecommuting point being brought up in these ...
by Hyperborea
Thu Oct 05, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14241

Re: Bay Area Real Estate

First, most cities have far more than one horse, although less than Silicon Valley, true. Second, no one is "hitched" anymore to a town with the increase in telecommuting jobs, and of course, being willing to move is always an option. I keep seeing the telecommuting point being brought up in these ...
by Hyperborea
Thu Oct 05, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14241

Re: Bay Area Real Estate

SV Housing doesn't have to crash, by the way. It could stabilize at 6x, 7x in 2-3 years, and then just be stagnant for a decade or two. But 10% annual increases going forward long-term is very unlikely. I was looking through the thread again, I don't think anybody is saying that the RE here will co...
by Hyperborea
Wed Oct 04, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14241

Re: Bay Area Real Estate

ZipRecruiter defined a technical job by its content, not its employer. For example, receptionists working for software companies didn't count as tech jobs, but network administrators did, regardless of what company they worked for. I'm sorry but counting "network administrator" at a non-tech compan...
by Hyperborea
Wed Oct 04, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14241

Re: Bay Area Real Estate

[A more likely scenario, in my opinion, is that the core parts of the Bay Area will continue to appreciate at the rates that we've seen over the last few decades, with lower and more volatile (but still high) appreciation in the periphery. The spread of really high prices and the disappearance of a...
by Hyperborea
Wed Oct 04, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3062

Re: Simple Notebook/laptop

I will nth the Chromebook suggestion. I will add however to consider one of the ruggedized educational models. These will have spill resistant keyboards and bumper edges designed to take a drop. I got my 70-something mum one to use in addition to her desktop iMac. She loves it for use around the hou...
by Hyperborea
Wed Oct 04, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: How much should an 18 year old keep in bonds?
Replies: 28
Views: 1394

Re: How much should an 18 year old keep in bonds?

A no bonds 50/50 (US/non-US) split is a fine choice if you are reasonably sure that you will leave the money invested for a long time. You have with this post opened up two of the biggest cans of worms. All you need now is to ask about mortgage payoff and engine oil (oops wrong site). Over the long ...
by Hyperborea
Wed Oct 04, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: US Expat in Japan looking for options
Replies: 11
Views: 946

Re: US Expat in Japan looking for options

Thanks for the advise guys. I think I'll be starting out with the portfolio spread percentage as suggested by Hyperborea. I'm also open to any other suggestions for ETFs that you guys think might be good for a simple retirement investment plan. You can still use Vanguard for many of those by buying...
by Hyperborea
Wed Oct 04, 2017 2:59 am
Forum: Investing - Help with Personal Investments
Topic: A continuation of the discussion on the US market high valuation
Replies: 2
Views: 437

Re: A continuation of the discussion on the US market high valuation

If you look at the chart in the article of CAPE over time isn't it rather odd that the CAPE shoots up in the 90s at a time when changes in accounting standards (mark to market) forced companies to write off declines in assets immediately? Those write downs would change the earnings part of the equat...
by Hyperborea
Mon Oct 02, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cash on hand for emergencies
Replies: 41
Views: 2802

Re: Cash on hand for emergencies

The only time I went out of my way to have a little extra cash around was when Y2K (January 1, 2000) finally arrived. Remember how there was a lot of fear that things wouldn't work because all the computers would think it was January 1, 1900? I took an extra $160 of cash from my local ATM just in c...
by Hyperborea
Mon Oct 02, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: US Expat in Japan looking for options
Replies: 11
Views: 946

Re: US Expat in Japan looking for options

Sorry for my ignorance, but if I were to invest in those ETFs, how does it work exactly? (Like if I were to use Interactive Brokers) If I needed to take money out of the investment or completely cash out, how does that work? If I'm looking at a modest return for retirement investment, would the ETF...