Search found 2371 matches

by neverknow
Wed Jan 11, 2012 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, its your fault, you did this to me!
Replies: 28
Views: 3485

Re: Bogleheads, its your fault, you did this to me!

You can have all my snow, and I won't charge you a penny for it. Actually, some of it was probably yours anyway, but dropped out of the clouds long before it got to you. (been covered in it for months now - it will be a glorious spring, if spring ever gets here). They said we had more snow in Decemb...
by neverknow
Fri Jan 06, 2012 8:13 pm
Forum: Personal Consumer Issues
Topic: How to stop a puppy from biting and nibbling
Replies: 25
Views: 2303

Re: How to stop a puppy from biting and nibbling

A puppy plays with other puppies with their mouth. Is it possible your puppy see's your youngest son as another puppy? They do grow out of it. My favorite remedy is to stick that chew bone in their mouth. It is never okay to bite on a human. So I am doing a substitution. In their litters, if one pup...
by neverknow
Tue Jan 03, 2012 8:04 pm
Forum: Investing - Theory, News & General
Topic: Market Valuation Indicators: Overvaluation Remains High
Replies: 11
Views: 1134

Re: Market Valuation Indicators: Overvaluation Remains High

I follow Crestmont Research. They have a variation on the Shiller P/E 10 (and will compare the 2 against each other). I enjoyed both books advertised on the website (borrowed from the library, of course). I think the reason I enjoy them most, is it's kind of a dry Dr Spock sort of model, the real wo...
by neverknow
Sun Jan 01, 2012 9:17 pm
Forum: Personal Consumer Issues
Topic: Would you trade all of your wealth to be 20 again?
Replies: 93
Views: 7605

Re: Would you trade all of your wealth to be 20 again?

In a heart beat. I can't quite remember 20, but I remember 21. I had strep throat. No access to a health care system (obviously had to find anti biotics somewhere, eventually - but no bar bash for me). Lived in a old house sectioned off - our apartment had a maximum of 7 steps you could take furthes...
by neverknow
Fri Dec 30, 2011 1:20 pm
Forum: Investing - Theory, News & General
Topic: Bodie: Plan your retirement portfolio for zero real return
Replies: 230
Views: 18523

Re: Bodie: Plan your retirement portfolio for zero real retu

What I like best about Z Bodie is his voice turns upside down the "take as much risk as you can tolerate, because - oh my!" mantra - and turns it into "how little of risk can one take, and still meet their goals?" No one else, that I know of is representing that way of thinking. ...
by neverknow
Thu Dec 29, 2011 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Percent in cash (or equilivent) for retired persons
Replies: 18
Views: 1781

Re: Percent in cash (or equilivent) for retired persons

I am not sure which definition the rest of you are using or what the OP was actually asking about. I do not count pensions (public (SS) or private) as neither are within my control. Years of expenses are my budgeted expenses, plus a 6K slush bucket for unforeseen expenses (the Fidelity study of wha...
by neverknow
Thu Dec 29, 2011 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Percent in cash (or equilivent) for retired persons
Replies: 18
Views: 1781

Re: Percent in cash (or equilivent) for retired persons

12 years expenses - mostly in CD's, a few of the years are in I Bonds. I have a bunch of cash-cash at the moment. I am undecided as to whether I would like a new car, or not. I decided I had "enough". That it would impact me more if I lost a bunch of money, then if I earned a bunch of mone...
by neverknow
Wed Dec 28, 2011 4:14 pm
Forum: Personal Consumer Issues
Topic: Skiing in Colorado - where to go?
Replies: 26
Views: 1400

Re: Skiing in Colorado - where to go?

Copper - most fun for skiing, Breckenridge best night life (it's a real town). Winter Park is the locals favorite. Copper and Breckenridge close enough together to do together (Ski the Summit, Summit county). Winter Park is not in the same place.
Enjoy.
neverknow
by neverknow
Mon Dec 26, 2011 6:32 pm
Forum: Investing - Theory, News & General
Topic: What constitutes a "good economy"?
Replies: 22
Views: 1420

Re: What constitutes a "good economy"?

I don't know if this helps, but "it is not prudent to spend the dollar you do have in your pocket, if you don't know where your next dollar is coming from". And I believe this applies to all of us -- wealthy, or down to your last $20. Looking at Rob's list, pretty much, they are all condit...
by neverknow
Wed Dec 14, 2011 7:14 pm
Forum: Investing - Theory, News & General
Topic: Are they really affluent???
Replies: 34
Views: 4846

Re: Are they really affluent???

Here is their breakdown of U.S. households by net worth: When I first saw such a chart of this information, my immediate thought was prices have to come down - no one can afford anything. Until you put 10% of the US population of roughly 300 million is 30 million customers. Oh, well - that is a siz...
by neverknow
Tue Dec 06, 2011 9:19 am
Forum: Investing - Help with Personal Investments
Topic: creating a cash flow?
Replies: 32
Views: 2315

Re: creating a cash flow?

LH wrote:"I spend about $2k a month" = you live on 24k a year? for everything? tax, vacations, health, property tax/mortgage or rent, snickers bars included?


I do, also.
neverknow
by neverknow
Mon Dec 05, 2011 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: CD laddering structure and weighting
Replies: 7
Views: 997

Re: CD laddering structure and weighting

We are planning to withdraw 2% annually in retirement. This is my plan also. My CD ladders are 4 tier 2 year ladders held at Navy Federal Credit Union. I can never make up my mind which is best, so I took the decision away from myself and just run 4 tier 2 year ladders. Is it best? In a falling rat...
by neverknow
Mon Dec 05, 2011 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: creating a cash flow?
Replies: 32
Views: 2315

Re: creating a cash flow?

I have created a cash flow via laddered CD's (4 tier 2 year ladder). As I do not need this cash flow, every month it gets added to the CD (it was thrown from) -- performing that miracle of miracles ... compounding over time. It's like getting paid every month. I love it.
neverknow
by neverknow
Mon Dec 05, 2011 2:43 pm
Forum: Personal Consumer Issues
Topic: Quality Business Casual Clothing
Replies: 18
Views: 2586

Re: Quality Business Casual Clothing

I'm actually thinking about making my own clothing, which will not be cheaper, but at least I can pick the materials. That was my thought. My working days were from an earlier era, and I am not the seamstress - my mother was. Due to lack of any selection - yeah! mom! Or I have not a clue what I mig...
by neverknow
Fri Dec 02, 2011 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Why Rent?
Replies: 52
Views: 4424

Re: Why Rent?

I previously posted about renting and cautions associated with renting i.e. what I need to know for my first place away from home. Thanks in advance for all Bogleheads involved for their input. Still living at home and preparing to move out I am considering a house more so now then before. You rent...
by neverknow
Wed Nov 30, 2011 6:13 pm
Forum: Investing - Theory, News & General
Topic: I wonder if there would be zero posts if...
Replies: 24
Views: 2426

Re: I wonder if there would be zero posts if...

A short squeeze is a beauty to behold, hmm?

I don't find it a mystery that folks post the downside, and fail to mention the upside. It is prudent to manage the downside, for the upside takes care of itself.
neverknow
by neverknow
Wed Nov 30, 2011 10:21 am
Forum: Investing - Theory, News & General
Topic: Central banks to the rescue?
Replies: 22
Views: 1690

Re: Central banks to the rescue?

Liquidity is money to settle current bills. You can think of it as your emergency fund, you would use to pay your current bills, if you were laid off, or something. Business, most business -- runs it's working capital on short term paper ... our MMF's buy this paper. To individualize this -- it you ...
by neverknow
Tue Nov 29, 2011 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Grandmother
Replies: 15
Views: 939

Re: Portfolio Advice for Grandmother

Why is your grandmother asking you for help on this particular relatively small portion of her assets? I wonder if this is your test to see if you are up to the task. It sounds to me that she is doing quite well by herself or perhaps she has another advisor for most of her assets. Just thinkin' Thi...
by neverknow
Mon Nov 28, 2011 6:53 am
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 6019

Re: Redshirting school age children

I was very young for school and the only real thing I was miffed about was not been able to drive while in school - no learners or anything...... In hind sight that was a GOOD thing . I was finished my uni undergrad by my 21st, so it worked out well on the other end I was very young also, and then ...
by neverknow
Sun Nov 27, 2011 7:01 pm
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

That is my point. "Plan B" discussions should be had when things are going well. Today, I fear, it is another excuse to market time and reduce stock exposure out of fear, using the excuse that "I need a plan B". That's how it appears to me, too. But even if you do market time, w...
by neverknow
Sat Nov 26, 2011 9:38 am
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

Might we be past the point of no return NO MATTER WHAT WE DO? Humans certainly are capable of asking this question. The problem I have with such questions, is that they lead no where. It's like reaching middle age, now your over the hill - no matter what you do. Fine, but the sun will still come up...
by neverknow
Fri Nov 25, 2011 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Is there such a thing as a FInancial Intervention?
Replies: 36
Views: 3389

Re: Is there such a thing as a FInancial Intervention?

I too, know about this situation. I thought there must be something wrong with my love'd one. How could they care about me at all, if they were willing to spend every dime I had, leaving me bankrupt under a bridge, a bag lady in my old age? And it wasn't as if they needed my money - they earned doub...
by neverknow
Thu Nov 24, 2011 12:14 pm
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

Staying the course when on the wrong course and you have learned that makes no sense. I am an apt student of the "School of Hard Knocks". Experience is a marvelous teacher. As Buffet says "when the tide goes out, you find out who has been swimming naked" -- to which I'll add &qu...
by neverknow
Thu Nov 24, 2011 10:47 am
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

Larry should really address what he meant by putting in doubt "stay the course", but I can half way explain what I meant. If your course is wrong, because your knowledge about investing didn't incorporate perhaps - what really happens in retirement, or your job skills viability, or you jus...
by neverknow
Thu Nov 24, 2011 10:12 am
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

First, what makes you think 18 years of fixed income is safe? If you did that in 1966 you'd have been fried. Fried, as compared to what? I do have the data -- 6 month bank CD's perpetually rolled over, versus Jan S&P assumed 2% dividends re invested ... beginning in 1965 - in what year did inve...
by neverknow
Wed Nov 23, 2011 6:19 pm
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

Re: music gift for Jimi Hendrix fan

While on the topic - in today's news: m Rolling Stone names Jimi Hendrix "Greatest Guitarist of all Time" --- It is that greatness, that allows me to listen to him. Undoubtedly, the guy was brilliant. Still not my kind of music, for playing or listening too. But yes -- great guitarist. Ba...
by neverknow
Wed Nov 23, 2011 6:04 pm
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

Plan B means what steps you will take if ... so your plan doesn't blow up leaving you alive without assets ... Larry That helps me, Larry. I didn't actually know what you meant. I have 10 years of expenses in laddered CU CD's, 2 years of expenses in I Bonds. This is the same 12 years of solid finan...
by neverknow
Wed Nov 23, 2011 2:45 pm
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

Re: music gift for Jimi Hendrix fan

SP-diceman ... I have a stash of songwriting books, I do recycle my brothers way. I've never asked my brother, but to my ear it sounds like he is mixing Hendrix and Rap in his songwriting. From the time we were little, I have always been my little brothers biggest music fan. To this day, he may call...
by neverknow
Wed Nov 23, 2011 1:29 pm
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13716

Re: On the current crisis

My note was meant to make sure people are not discounting the risks, are not being too optimistic, have plans that incorporate the certainty we will have many more of these and that they also have a Plan B if the worst happens. If you can say you have already successfully addressed these issues, as...
by neverknow
Wed Nov 23, 2011 9:33 am
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

Re: music gift for Jimi Hendrix fan

Absolutely HardKnocker! -- exactly the kind of gizmo I was wondering about. Amazon says the PC version gets release Dec 13th. The Mixcraft product I found, wasn't new -- it was just an alternate version to a product I gave my brother a few years ago -- so doesn't have novelty value. This Rocksmith t...
by neverknow
Wed Nov 23, 2011 6:46 am
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

Re: music gift for Jimi Hendrix fan

tarnation - that npr story had a link to Amazon, and a box set I was unaware of. Interesting idea.
retcaveman -- seems kind of dumb on my part, but it hadn't yet occurred to me to google Hendrix. Better late then never.

Thank you for your suggestions.
neverknow
by neverknow
Tue Nov 22, 2011 4:22 pm
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

Re: music gift for Jimi Hendrix fan

dave66 - sheesh, those peddles are pricey! I am sure my brother has had one, at one time or another. I'd be hard pressed to know what he has now. Mostly he plays unplugged (his Fender electric guitar), as he lives in an apartment. componder -- Yes, those legendary concerts on DVD, I think are great....
by neverknow
Tue Nov 22, 2011 2:00 pm
Forum: Investing - Theory, News & General
Topic: The best strategy is to avoid equities in retirement
Replies: 29
Views: 3187

Re: The best strategy is to avoid equities in retirement

Instead of the 100% Tips plan, I would feel more comfortable diversifying, and holding *some* equities. If I went 100 percent into anything, it would be a simple fund like Target Retirement Income. (It has 20% in Tips, and that's good enough for me.) +1. We are doing not doing 100% TIPS either - ju...
by neverknow
Tue Nov 22, 2011 1:55 pm
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

Re: music gift for Jimi Hendrix fan

Thank you for your replies. empb - that is a brilliant idea! Not only would it offer my brother some variety, but at least for a little bit he'd get to play with someone. HardKnocker - I agree. After all these years of Jimi Hendrix focus, even re issues (Winterland) are the same ole stuff. leonard -...
by neverknow
Tue Nov 22, 2011 12:14 pm
Forum: Investing - Theory, News & General
Topic: The best strategy is to avoid equities in retirement
Replies: 29
Views: 3187

Re: The best strategy is to avoid equities in retirement

we have zero chance of ever running out of money unless we become immortal. That made me laugh out loud! Thank you, for that. Count me in amongst those just hoping for my money to pace inflation. I do have a fairly large dose of both 2032 and 2040 TIPs, some LTPZ (15 year) and a boat load of I Bond...
by neverknow
Tue Nov 22, 2011 10:13 am
Forum: Investing - Theory, News & General
Topic: MF global customer compared to Etrade customer???
Replies: 22
Views: 1765

Re: MF global customer compared to Etrade customer???

Your E-Trade account is protected up to $500,000 by SIPC, while your MF Global account isn't insured. As with having pictures of your household valuables, to prove you had them for insurance purposes -- Having a paper account statement of what your brokerage says they have on account for you, seems...
by neverknow
Tue Nov 22, 2011 6:51 am
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 1552

music gift for Jimi Hendrix fan

This forum has a really diverse audience. So if you can help me out? My little brother is a die hard, Jimi Hendrix fan - and a guitar player himself of 40 years (Fender). While undoubtedly, Jimi Hendrix was brilliant -- his music was not / is not my favorite. I'm at a loss. Maybe some one can help m...
by neverknow
Fri Nov 18, 2011 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: I know... Don't try to time... But...
Replies: 35
Views: 3989

Re: I know... Don't try to time... But...

Do not become distracted by "the noise" present in this very thread. Investing is all about goals, time horizon, and risk (tolerance or need for - no matter, risk is risk). I stated my goal was to keep what I have, versus any growth or earnings. Paddyshack, who also has made an adjustment ...
by neverknow
Fri Nov 18, 2011 7:04 am
Forum: Personal Consumer Issues
Topic: Mouthwash
Replies: 37
Views: 3118

Re: Mouthwash

How do you mix the salt and water? Ahead of time? Keep it in a bottle like mouthwash? Small drinking glass. Container of Morten table salt. Pour a little bit of salt in drinking glass. Add some tap water (enough to swish around in mouth). Mix with spoon (very important). No, I don't do it ahead of ...
by neverknow
Thu Nov 17, 2011 7:53 am
Forum: Personal Consumer Issues
Topic: Cheapest practice you've "heard" of......
Replies: 38
Views: 3850

Re: Cheapest practice you've "heard" of......

The title of this thread reflects present day views on spending (cheapest). I am a child of depression era parents and grew up with "waste not, want not" or Ben Franklins "a penny saved, is a penny earned". It might be more instructive practices I've given up. I've given up savin...
by neverknow
Wed Nov 16, 2011 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: I know... Don't try to time... But...
Replies: 35
Views: 3989

Re: I know... Don't try to time... But...

If the European situation wasn't an issue, I wouldn't even question it. But it just feels like a larger than typical 'unknown'. Your term "feels like" probably says it all. That said, Friday (Nov 11) I traded my Vanguard Value Index and Vanguard European Index in for Target Retirement Inc...
by neverknow
Tue Nov 15, 2011 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Entrepreneurship :: Working for equity
Replies: 21
Views: 1443

Re: Entrepreneurship :: Working for equity

They've looked for developers but said the project was too big for the ones they found to take on. This would be a warning flag to me. The reason why is it is a sales pitch, based on flattering your sense of self worth. You must be better then the others. You are special. So we would like to let yo...
by neverknow
Mon Nov 14, 2011 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Entrepreneurship :: Working for equity
Replies: 21
Views: 1443

Re: Entrepreneurship :: Working for equity

Get paid in money in the bank. Getting paid is hard enough. In software -- you can withhold source code as a means of getting that last check. Very effective. As who ever you did the work for -- wants that source code. Deliver the executable, but with hold the source. I saw both major corporations a...
by neverknow
Sat Nov 12, 2011 10:07 pm
Forum: Personal Consumer Issues
Topic: Mouthwash
Replies: 37
Views: 3118

Re: Mouthwash

Anyone try something simple like baking soda, salt, and warm water? I'm a salt water rinser, as of a few months ago. Based on nothing, other then this is what my mother used. It has seemed to be nothing short of a major wonder my mouth is very happy with. I am not salt sensitive and my blood pressu...
by neverknow
Thu Nov 10, 2011 6:11 pm
Forum: Personal Consumer Issues
Topic: Do you refrigerate butter?
Replies: 49
Views: 4262

Re: Do you refrigerate butter?

Hey, in my six decades I remember a real icebox at our family's summer cottage until they finally got a fridge in the late '40s or very early '50s. We kids sometimes tagged along with the grownups when they went to buy the huge ice chunks stored in sawdust and we'd use icepicks to chip off ice piec...
by neverknow
Wed Nov 09, 2011 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Utility ETF Sale
Replies: 11
Views: 1452

Re: Vanguard Utility ETF Sale

Wouldn't it be wise to sell and wait for another lower entry point. If it were that easy, everyone would be doing it. I own the XLU (utilities etf). I also have capital gains, but long term. I am ignoring price, as I invested in utilities for the dividend, and the lower volatility of price (the rum...
by neverknow
Wed Nov 09, 2011 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Utility ETF Sale
Replies: 11
Views: 1452

Re: Vanguard Utility ETF Sale

The only reason you sell is if the reason you bought in the first place, has changed. Has it? Why did you invest in that etf in the first place?
neverknow
by neverknow
Tue Nov 08, 2011 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Become a Landlord, Sell at a Loss, or Stay Put
Replies: 32
Views: 2473

Re: If you were me you would ....

My guess is your asking about dumping yesterdays decisions to embark (create) on a new life going forward, with your wife. 10K sounds pretty inexpensive to me. Go forward. Don't look back. Don't let yesterday, hold you back. You don't want to live your future in the past (unless you don't have any c...
by neverknow
Fri Nov 04, 2011 12:17 pm
Forum: Investing - Theory, News & General
Topic: How many years of Cash Needed ?...........
Replies: 22
Views: 2342

Re: How many years of Cash Needed ?...........

Our "cash" fund represents the gap coverage (annual expenses - pensions, SS, annuities, etc.) for some number of years out. Though the number of years now has become considerable, we are happy about it. Thankfully, we feel no need to "lever" up. Or even touch the investment port...
by neverknow
Thu Nov 03, 2011 6:02 pm
Forum: Personal Consumer Issues
Topic: Trees - How many and how tall?
Replies: 33
Views: 2509

Re: Trees - How many and how tall?

I live in a forest. Trees falling on a neighbors property as a liability would be laughed at, where I live. 15 year old neighbor boys shooting off fire crackers during a dry spell, got a stern lecture from the old woman next door (me) -- for not having a bucket of water nearby, just in case. I don't...