Search found 896 matches

by rich
Mon Dec 31, 2012 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 6163

Re: Should I move from upstate NY to Los Angeles, CA?

livesoft wrote:I would move. I think my parents would follow me to Southern California if I moved there. But at least Albany is not Buffalo.


At least not everybody makes rude comments about places where people live.
by rich
Sun Apr 15, 2012 7:14 pm
Forum: Personal Consumer Issues
Topic: Newer Kindle models?
Replies: 21
Views: 2015

Re: Newer Kindle models?

Why not just use the kindle cloud reader? Read books in any web browser with no kindle device required. How would that work on the subway, exactly? I don't ride one Sidney and the OP didn't mention it. I was trying to offer some friendly advice and perhaps save the OP some money. The cloud reader i...
by rich
Thu Apr 12, 2012 11:23 pm
Forum: Personal Consumer Issues
Topic: Newer Kindle models?
Replies: 21
Views: 2015

Re: Newer Kindle models?

Why not just use the kindle cloud reader? Read books in any web browser with no kindle device required.
by rich
Sun Jan 01, 2012 12:57 pm
Forum: Personal Consumer Issues
Topic: Best non-ipod mp3 device
Replies: 17
Views: 1668

Re: Best non-ipod mp3 device

I've had a Sansa for years. I've also owned a Zune (hated it) and have used iPods. Sansa is the best. It is by FAR the easiest to get music on/off and it is inexpensive relative to aforementioned options. Just plug the Sansa into the PC and it is treated as an external USB drive.
by rich
Fri Dec 09, 2011 1:49 am
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's New WSJ Op-Ed Article
Replies: 66
Views: 8152

Re: Burton Malkiel's New WSJ Op-Ed Article

Personally, I find it sad. Malkiel’s “A Random Walk Down Wall Street” was where the light went on and I converted to indexing. He has strayed far from his own advice. I forgave his Chinese stock indiscretion. Now apparently he has knowledge of bonds that the market has not incorporated into the pric...
by rich
Thu Nov 17, 2011 11:06 pm
Forum: Personal Consumer Issues
Topic: online back up
Replies: 29
Views: 1874

Re: online back up

I successfully restored my data off Mozy after a computer crash.
by rich
Fri Nov 11, 2011 12:34 am
Forum: Personal Consumer Issues
Topic: Beatles or Rolling Stones
Replies: 70
Views: 4238

Re: Beatles or Rolling Stones

Not over 45. Stones by a mile.
by rich
Fri Aug 19, 2011 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage kudos to Vanguard
Replies: 3
Views: 686

I hate to burst your good feelings, but every broker does this. If your limit price is above the ask, it is practically illegal* to charge you more than the prevailing price. (Google NBBO.) * (I say "practically illegal" because there is no law, but SEC regulation requires brokers to give...
by rich
Fri Aug 19, 2011 10:00 am
Forum: Investing - Help with Personal Investments
Topic: brokerage kudos to Vanguard
Replies: 3
Views: 686

brokerage kudos to Vanguard

I placed an order this morning for VWO with a limit of 41.41. The price dropped while I was placing the order and it was executed at 41.36. It was nice that Vanguard got me a better price and I appreciate it! This is just another reason I am very fond of Vanguard.
by rich
Tue Jun 07, 2011 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Deflation Hedge?
Replies: 15
Views: 2362

I found this four-prong strategy interesting. See bottom of page.

http://www.andrewtobias.com/bkoldcolumns/100707.html
by rich
Tue May 10, 2011 11:52 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross continues to short US debt.
Replies: 56
Views: 7234

Re: Bill Gross continues to short US debt.

You can choose to look at it that way but the reality is Pimco Total Return has outperformed the bond benchmark for the past 1, 3,5,10 and 15 years. That is what I am paying for! If it means spending some time in cash, so be it. He has a PROVEN track record which cannot be denied. Cheers :) Didn't ...
by rich
Wed Mar 09, 2011 1:12 am
Forum: Personal Consumer Issues
Topic: Shackleton’s Antarctica in colour, 1915
Replies: 2
Views: 999

Neat! Thanks!
by rich
Mon Feb 14, 2011 11:49 pm
Forum: Personal Consumer Issues
Topic: Truecar Pricing: Is it Accurate?
Replies: 56
Views: 40527

I thought it was too good to be true too. I used it recently and obtained a quote from a dealer approximately 4 hours away. I subsequently used that quote to obtain a competitive quote from a local dealer. I can't say for sure if the long distance quote would have been honored but I assume it would ...
by rich
Mon Feb 07, 2011 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Question about fluctuation of price quotes when selling gold
Replies: 5
Views: 821

Thanks to all for the helpful responses!
by rich
Sun Feb 06, 2011 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Question about fluctuation of price quotes when selling gold
Replies: 5
Views: 821

bump...

I guess my real question is whether my assumption is correct. Do the gold dealers sell to some sort of clearinghouse at the close of business for a set price. In other words, would it be analogous to the closing price on a mutual fund?
by rich
Sat Feb 05, 2011 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Question about fluctuation of price quotes when selling gold
Replies: 5
Views: 821

Question about fluctuation of price quotes when selling gold

Today we went to get three quotes on four 14K gold and one 18K gold pieces. All the gold dealers agreed on the purity and weights. The first dealer quoted $1280. The second and third dealers quoted $1200. For dealers two and three, after receiving the initial quote, we attempted to bargain up by pre...
by rich
Wed Dec 01, 2010 9:48 pm
Forum: Personal Consumer Issues
Topic: Firewall program for Windows
Replies: 50
Views: 6795

PC magazine had a good article in the Oct. 2010 issue named "The Best Security Suites for 2011". Excellent review! Bottom line was Norton received highest rating overall & Webroot was also good. Each product has their own strong points, but free Windows is hard to beat! Just curious, ...
by rich
Sun Nov 14, 2010 11:31 pm
Forum: Personal Consumer Issues
Topic: XBox Kinect - Amazing
Replies: 13
Views: 2305

LadyGeek wrote:Got my eye on this as well. I'm (still!) working to finish Fallout 3 on my Xbox 360. Are the games worth a new console?


Why do you need a new Xbox360? Supposedly the Kinect is compatible with all versions. Am I missing something? Thanks!
by rich
Mon Aug 23, 2010 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: My Daughter /Divorced/Forclosure/ Rebuild Credit
Replies: 38
Views: 6253

Correct me if I am misunderstanding you or if I am reading between the lines too much. Your daughter broke her agreement to repay a loan obligation. You provided a means to immediately get her back into another home under currently favorable prices and interest rates. Would you not consider this gam...
by rich
Mon Jun 07, 2010 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k max question
Replies: 8
Views: 1648

Re: 401k max question

Does your employer offer a Roth 401(k) option? If so, my understanding is that your employee contributions plus any Roth 40(k) contributions combined cannot go over $16,500 for this year. Note this is of course separate from your own individual Roth IRA contribution. Hope that helps. It is a tradit...
by rich
Sun Jun 06, 2010 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k max question
Replies: 8
Views: 1648

Thanks livesoft!
by rich
Sun Jun 06, 2010 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k max question
Replies: 8
Views: 1648

401k max question

I have gone with a job with no 401k access for the first part of 2010 (Jan - May) to one with 401k access for hopefully the rest of 2010 (June - Dec) and beyond. I already maxed my Roth IRA. Now I want to contribute as much as possible to my 401k. I understand there is a $16,500 limit per year for p...
by rich
Thu Sep 24, 2009 11:26 pm
Forum: Personal Consumer Issues
Topic: Do you use a password vault?
Replies: 75
Views: 11007

I use a Word document that is password protected. I just have to remember the password to the Word document.
by rich
Wed Sep 23, 2009 1:11 pm
Forum: Investing - Theory, News & General
Topic: More Angry Investors Say, Throw the Boards Out
Replies: 16
Views: 2017

The free market works fine, and it will punish incompetent and overpaid management. One more subtle way it does so is through takeovers, whether hostile or not. The incompetent CEO is forced to retire and the acquiring company presumably has better management. Best wishes. What about banks? Were al...
by rich
Fri Sep 18, 2009 10:56 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri Changes His Mind About Commodities (NOT)
Replies: 32
Views: 5073

Also, this argument about CCFs are expected to do poorly in a deflationary environment is all after the fact. I do not recall anyone saying that before commodities crashed last summer. It was only then did the proponents changed their story. Rick Ferri Rick you are one of the very best and I comple...
by rich
Fri Sep 18, 2009 12:36 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri Changes His Mind About Commodities (NOT)
Replies: 32
Views: 5073

I constantly hear two errors about the recent downturn.

1. All assets became correlated and went down together. That is wrong because treasuries did great.

2. CCFs did not perform as expected. That is wrong because CCFs performed EXACTLY as expected in a deflationary environment.
by rich
Mon Sep 14, 2009 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: commodities
Replies: 7
Views: 1460

Re: commodities

I hear legendary investor Jim Rogers saying he's investing in commodities. How can an average individual investor so that? One way to do it is through the Rogers Agricultural ETN. http://simulator.investopedia.com/stocks/rja :) Jim Rogers is an interesting guy but he has something to sell. I'm not ...
by rich
Wed Sep 09, 2009 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Costs of owning a dog...
Replies: 114
Views: 22564

I understand this won't work for the OP but for others I'll join the chorus above urging people to please consider adopting from a shelter. One can even request a specific size or breed and the shelter will do its best to accommodate.
by rich
Wed Sep 02, 2009 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: A Year after the Stock Market Plunge -
Replies: 8
Views: 1801

I feel very fortunate and grateful to have this excellent forum as a resource. Like Mr. Roth, my losses were minimal and I have the Bogleheads to thank.
by rich
Wed Sep 02, 2009 1:10 am
Forum: Investing - Theory, News & General
Topic: The Big Picture from Alan Greenspan
Replies: 16
Views: 2656

I don't consider Greenspan to be a credible authority.
by rich
Tue Sep 01, 2009 5:21 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard ETF holders mostly speculators?
Replies: 14
Views: 2574

VWO holders are not necessarily speculators. There have been a number of VWO vs VEIEX threads that show sometimes it makes sense to hold VWO. If one wants an allocation like Swensen's (Unconventional Success) that suggests 10% EM, the only way to get there is by holding a separate emerging market fu...
by rich
Mon Aug 31, 2009 3:55 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts? Q&A at Bogleheads 8
Replies: 37
Views: 6072

If this is going to be taped, instead of offering it via DVD, why not just put it in a format that can be downloaded/streamed from this website?
by rich
Mon Aug 31, 2009 3:31 pm
Forum: Personal Consumer Issues
Topic: Bogle on Fantasy Football
Replies: 14
Views: 2267

I go with either RB or QB first and second. The RB/QB order depends on what is available (undrafted) in my live draft. Then I take as many quality starting RBs as possible (they tend to get hurt so I like extras). I fill in with WR, D, backup QB, and TE as I see fit.

Good luck!
by rich
Sun Aug 30, 2009 9:15 am
Forum: Personal Consumer Issues
Topic: Best American Rock Bands...
Replies: 140
Views: 17685

My votes:
Best American Rock Band: The Eagles
Best Overall Rock Band: The Rolling Stones
by rich
Sun Aug 30, 2009 9:06 am
Forum: Personal Consumer Issues
Topic: Best American Rock Bands...
Replies: 140
Views: 17685

manuvns wrote:Black Eyed Peas

Boom boom pow


I like Black Eyed Peas but this brings to mind a funny clip making fun of one of their songs.

http://kafkamaine.com/2009/08/hbn-39-bl ... -song.html
by rich
Tue Aug 11, 2009 7:39 pm
Forum: Personal Consumer Issues
Topic: Walking away from home mortgage: NFL millionaire
Replies: 29
Views: 5337

No offense, and not to allow this story to turn political, but --rude remark deleted--. Ok. Now that I've deleted my original reply which had some choice language for you and your little comment above, I'll try something different. I think most of these underwater/foreclosed mortgages in one way or...
by rich
Tue Aug 11, 2009 12:02 pm
Forum: Personal Consumer Issues
Topic: Walking away from home mortgage: NFL millionaire
Replies: 29
Views: 5337

It is just amazing that the legal system allows individuals to manipulate it so brazenly. I wouldn't be so infuriated if it was simply a broken contract between two private parties but to have the taxpayer foot this bill is unconscionable. [edit: add] I would suggest writing your Congressmen and th...
by rich
Tue Aug 11, 2009 11:35 am
Forum: Personal Consumer Issues
Topic: Walking away from home mortgage: NFL millionaire
Replies: 29
Views: 5337

It is just amazing that the legal system allows individuals to manipulate it so brazenly. I wouldn't be so infuriated if it was simply a broken contract between two private parties but to have the taxpayer foot this bill is unconscionable. [edit: add] I would suggest writing your Congressmen and the...
by rich
Tue Aug 11, 2009 2:12 am
Forum: Personal Consumer Issues
Topic: What dead rock stars did you see before they died?
Replies: 102
Views: 11766

I saw Nirvana shortly before Kurt Cobain passed away.
by rich
Sun Aug 09, 2009 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) was dropped
Replies: 11
Views: 2254

Depending on your family income, you may want to consider the saver's tax credit when choosing the deductible traditional or non deductible Roth.

http://www.investopedia.com/articles/re ... 031704.asp
by rich
Mon Aug 03, 2009 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard dumps small business 401(k)s
Replies: 89
Views: 32292

Vanguard must be lazy. Why don't they do small plans? It's not because they cost too much to administer, because they could simply pass the costs of administering plans to the participants or the employer. The only explanation is that they just don't feel like it, i.e. they are lazy. You don't unde...
by rich
Mon Aug 03, 2009 9:53 am
Forum: Personal Consumer Issues
Topic: Congratulations Valuethinker
Replies: 53
Views: 7840

SteveB3005 wrote:Steroids. :lol:


Funny.
:lol:

In all seriousness, I've learned a lot from you Valuethinker. It is nice having you here.
by rich
Fri Jul 31, 2009 1:34 pm
Forum: Personal Consumer Issues
Topic: Cars for Clunkers Program - How to do it with new Dealer ?
Replies: 54
Views: 9209

Since it only takes gas guzzlers as trade ins, it effectively rewards those people that left a huge carbon footprint and penalizes those driving sensible cars. Thanks Congress for once again rewarding those people that did the wrong thing and putting it on the tab of those that those made good choic...
by rich
Thu Jul 30, 2009 12:03 pm
Forum: Investing - Theory, News & General
Topic: Bogle: "The Capitalists Failed Us"
Replies: 20
Views: 3361

Mr. Bogle is an exemplary individual in a society short on role models. Kudos to him.
by rich
Tue Jul 28, 2009 11:42 pm
Forum: Investing - Theory, News & General
Topic: Underwater Borrowers Drowned Themselves with Refinancings
Replies: 56
Views: 11415

Yes there is lots of blame to go around. However, except in cases involving fraudulent lenders forging documents, the homeowner borrowers are the ones that broke the contractual agreement. That's what people do when they can't afford things anymore. Banks used to worry about that. Borrowers used to...
by rich
Tue Jul 28, 2009 10:53 pm
Forum: Investing - Theory, News & General
Topic: Underwater Borrowers Drowned Themselves with Refinancings
Replies: 56
Views: 11415

Yes there is lots of blame to go around. However, except in cases involving fraudulent lenders forging documents, the homeowner borrowers are the ones that broke the contractual agreement. Hence the borrowers deserve a substantial portion of the blame.
by rich
Tue Jul 28, 2009 9:31 pm
Forum: Investing - Theory, News & General
Topic: Underwater Borrowers Drowned Themselves with Refinancings
Replies: 56
Views: 11415

So, who is REALLY at fault for the housing crisis? The banks? The rating agencies? The CEOs? No, the borrowers. The homeowners are at fault, and they should be held liable for their loans. Perhaps there some exceptions on the individual level but as for the overall crisis I strongly agree with you.
by rich
Thu Jul 23, 2009 6:25 pm
Forum: Personal Consumer Issues
Topic: n-back game increases fluid intelligence?
Replies: 3
Views: 1155

n-back game increases fluid intelligence?

http://brainworkshop.sourceforge.net/

This is a free, open source, game that may increase fluid intelligence. Is anyone familiar with this? Is this too good to be true?

The page referenced above contains the software download and scientific paper link.
by rich
Wed Jul 22, 2009 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Peter L. Bernstein RIP
Replies: 50
Views: 11131

This week's Consuelo Mack WealthTrack features Peter Bernstein interview highlights. Click the video to play it.

http://wealthtrack.com/
by rich
Mon Jul 20, 2009 1:51 pm
Forum: Investing - Theory, News & General
Topic: FINRA is Right: Leveraged ETFs Dangerous to Your Finances
Replies: 11
Views: 1987

Can we get the nanny-state out of our free market please? I'm ambivalent about this. If we actually LET people and institutions that do stupid things fail, I would agree with you completely. The reality of the matter is we, as a society, don't allow failure. Hence we all end up paying for people th...

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