Bogleheads.org

simple man

But isn't it the case that even if the bond fund NAV falls, you only lose money if you sell, right? If you are holding long term, you get your expected interest rate and no harm, right?

simple man

Great. Thanks. This is my preference - to have someone who has been actually used by the person making the recommendation. I will check him out.

simple man

Searching the collective wisdom database here. Can anyone recommend a good fee only financial planner? I just want a decent objective opinion on my numbers and how close to FI I am - and am willing to pay for it, since I am getting close. I don't think it matters where they are based since everythin...

simple man

Sorry Gill. Writing too quickly. I meant a student at Cornell or any other good school that is not officially graduating top X% OR, if the school sets honors levels, with some level of high honors (magna cum laude, summa cum laude). That student may be a great student, it will just be hard to tell h...

simple man

Echo on Harvard, if you get in, need to go. I would also not undervalue class rank. If you have it down to a few good schools, you may want to go where you think you will end up in the top 10%. To me, top 10% Notre Dame is more attractive as a hire than unranked Cornell. I want to hire a lawyer that...

simple man

Thanks for all the good suggestions! I think this is really a growing issue. I saw some malware hit this past week and stopped partial operations in 50 different companies - all with good IT protections in place. Imagine if they launch something more intentional on personal machines. With teenagers ...

simple man

My laptop did get a windows free upgrade to 10. I forget if it was windows 7 or 8 to start. It is about 7 years old.

simple man

Oh, and I am not a techie, so Linux is really not an option for me, though it sounds very good...

simple man

Unless you are serious about hiring your own lawyer and going after them for whatever (which would not make sense), fill out the class action paperwork if you qualify. Good chance you would get a few dollars.

simple man

I have read with interest the conversations about having a chromebook or laptop that you use solely for your work on financial web sites and work - the idea being that is minimizes the risk of picking up a virus because you are not doing web surfing other than to controlled sites. I dont want a chro...

simple man

3 legged stool??? I am conservatively predicting a single leg - my investments - going up and down with market....i.e. a POGO STICK!

simple man

I agree with most of these smart comments - and, with nothing else to base it on, would pick NY. That being said, a big firm lawyer at the end of the day is a walking P&L. The best indicator of your success in the long run is your own personal book of loyal business. Accordingly, you have to think a...

simple man

Wow. Great info! Thanks for taking the time to share and teach - for me and others! Greatly appreciated.

simple man

All - I like Verizon service but am tired of paying Verizon fees. Reviews suggest Total Wireless is the best MVNO using the Verizon network. Do you know of any downsides to their service vs using Verizon directly? - Also, do you know if you can use your phone as a hotspot on Total Wireless? Thanks -...

simple man

Need some guidance from fellow travelers. Finally planning a trip for late June to see Ireland, Scotland, Northern UK. Planning about 10-11 days. is there too much to see in this time period? Should I focus on a couple of areas and skip others? Should I just attempt Ireland and Scotland? I have the ...

simple man

Have in ground pool in the south. Kids used it a bit when young and then just a huge money and work pit. Just got bids to fill in a 13 year old pool! About 8k + landscaping after that. Some of our neighbors did not pay for a pool but had a nice wooden playset. kids enjoyed it just as much for a lot ...

simple man

Thanks Salty Caper! I guess if it falls more than 50%, I consult my IPS, rebalance and use it as a buying opportunity!!! (at least that is what I hope I will do)

simple man

I am amazed how much my life has changed and de-stressed since I have found my IPS and agreed to live by it. For newcomers, my steps were as follows: 1. Truly accept that no one, including you and your brother in law, can predict the market long term. This is harder than it sounds. 2. Come up with a...

simple man

I would stress the issue raised above about updates. This should be a key criteria going forward. I have a Samsung 5S and Verizon wont give me the next Android OS update. There is clearly an incentive for the carriers to stop updating your phone after a while so you have to buy a new one. I hear the...

simple man

And if you want the premium cord cutting experience, I highly recommend that after you get your antenna, get a DVR for over the air broadcasting. I got mine from Channel Master and it is awesome. One time charge, and if you get the wifi connected model, they provide you a full channel guide on the s...

simple man

The bigger issue here is the decent reporting of the news. Why pay for a periodical when you know what they are going to print based on the narrative that periodical has decided to support? It has really turned me off. I find I learn more academically about what is really happening in the US by read...

simple man

Ditto. Our homeowners went up an insane amount! I could not believe it and the agent was not very helpful. We had Geico for car insurance so asked them. Their price was like 30% of the other quote! A normal amount. The agent says Geico digs deeper into the underwriting info and does not just tag you...

simple man

Yep. Found Bezos in my kitchen the other day....had to shoo him out. He said he was cooking Prime rib...

simple man

No. I am trying to distance myself from Google and their silly intrusive evil spying practices. I think using THEIR actual hardware would be the coup de grace. Might as well bank with them, give them all my tax returns and run a broadcasting camera from my bedroom!!!

simple man

Still Counting Calories? Your Weight-Loss Plan May Be Outdated

Harvard Study

http://www.nytimes.com/2011/07/19/health/19brody.html

simple man

I dont think I disagree really. But I would note that a normal overweight person who simply focuses on low caloric intake, but still eats starches and sugars and potatoes, will be creating enough extra insulin to keep them always hungry. It is just not a formula for success, unless you can stay in s...

simple man

On the problem with the "calories in/calories out" argument, I would suggest Gary Taubes' What Makes us Fat. It is eye opening and uses the actual science and real life examples to prove the fallacy. From Amazon summary: Taubes reveals the bad nutritional science of the last century—none more damagi...

simple man

I had felt just like the OP. I did what everyone said and it never worked. I have been immersed in nutritional history and science for the past 4 months. What I found is CRAZY! In the Big Fat Surprise, the author looks at all the studies being used by the USDA and others to promote the "eat less/exe...

simple man

Really? That really burns me up!

simple man

Please add me as interested also! Thanks.

simple man

I had heard at one point (I think on BH) that if you give your password data to a third party, you can end up waiving any liability protection you might have from say someone hacking your bank account or other financial account. Not sure if its true, but it does have some logic to it...I do not feel...

simple man

If you go with the Live TV option, I highly recommend Channel Master. Their box is the size of a notebook and has a wifi option to get 14 days of programming on the menu. Truly awesome.

simple man

I agree with some others that they might not think you are a flight risk....Every now and then, wear a suit to work. Get haircuts regularly and make yourself look more marketable (whatever that means in your situation). Take off a day with very little notice. At the same, make a positive case to you...

simple man

I added the Pocket add on to my FF. It has worked great so far. Of course, it is just a bookmark also and thus you run the risk of your page not being there when you want to reference it again. For really important stuff, I may save it as a pdf...

simple man

I understand and have been made comfortable by all the arguments regarding modernity and silly prepping. BUT then I realized I was suffering from arrogant first worlder privilege. Problems can and will happen. By definition, we do not EXPECT them to happen. I realized (and this is just me) that if I...

simple man

A few thoughts from my experience: 1. Good for NEW build, less so for retrofit because the chemicals need to air out when it cures. Could be problems on retrofit. 2. Insulation value is MUCH higher. 3. The house stays very tight, so you must have a way to bring in fresh air - such as with the ac air...

simple man

Has anyone been able to use the Experian freeze online? I get the feeling they are giving us the runaround. I put in on the info and then get kicked out saying I have to physically mail in a bunch of documents. Crazy. The other 2 worked fine.

simple man

It seems like a key issue here is whether natural gas would keep flowing in an emergency. I have been in the South for most of my life with lots of hurricanes and I have never heard of natural gas pipes being curtailed. That is a new one on me. I wonder what they had in Sandy that made that happen. ...

simple man

Schwab still offers a physical token for its 2FA. I got that over the phone app since the reviews on the phone app were awful and your phone can be hacked. I've gone retro on those hackers! hah.

simple man

Thanks. What do you think the cost would run nowadays? 5-8k?

simple man

I want to have emergency power capability for my home and am considering a large portable generator (gasoline powered) or a fixed Generac style generator that I can connect to my natural gas pipeline. Both would have either a direct connection to a transfer switch or for the portable, be able to plu...

simple man

And fancy home theater with wired speakers. It turns out a sound bar is 98% as good, much cheaper and super easier. (hint - the rear speakers in a home theater are used very seldom and most all the sound comes from the front anyway)

simple man

Any kitchen device other than a good set of pots, pans and sharp knives. Everything else just adds complexity...

Wood floors...

Schwab Private Client Service...

simple man

Get to know the people who are raising your kids???

simple man

Seems like you answered your own question: "Nothing is more important to us than family" If that is true, seems to me that you would want to be with them more than the money is worth. Trust me when I tell you, you will never get that amazing time back again. There will always be a job there for you ...

simple man

“What’s in a name? That which we call a rose By any other name would smell as sweet.”

Sorry - couldn't resist....Thanks Bill.

simple man

As I say in my line of work, predictions of risk are based on probabilities. The actual result is binary. That is when it is determined if you are brilliant or a fool.

simple man

Plaza Hotel Lucchesi. Stayed there with family twice. Elegant, but also reasonable. Huge, beautiful breakfast will hold you all day. Not a long walk to Ponte Vecchio, but in a quiet location. Highly recommend.

simple man

In church. Sitting quietly. Just me and my higher power (solely my opinion).

simple man

We used savings to pay off a large mortgage awhile back and it was GREAT! Do not underestimate the psychological benefits of having no debt. When the market fell last time, all the neighbors were freaking out - but with no debt, it was a big yawn for us. As long as you have enough cash or access to ...

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