Search found 48 matches

by rkayakr
Mon Aug 05, 2013 1:27 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 83
Views: 35857

Re: Honda CRV or Subaru Outback?

I faced the same decision 18 months ago. I have a 75 pound Golden Retriever, am an amateur astronomer (lotsa gear) and an avid kayaker. I considered the Outback, the CRV, the Rav4 and the Prius V. Although I owned a Prius and enjoyed it, I went with the Outback 2.5i. I'm happy except for the lame ro...
by rkayakr
Wed Jun 05, 2013 8:15 am
Forum: Personal Consumer Issues
Topic: France - Paris / Nice - Must do List
Replies: 92
Views: 8847

Re: France - Paris / Nice - Must do List

While in Nice: The flower market Fondation Maeght contemporary Art museum in nearby Saint-Paul de Vence I had the best meal of my life at Au Rendez-vous des Amis in the hills overlooking Nice The beaches in Nice are rocky, take a short commuter train ride to Eze-sur-Mer for nice beaches at the foot ...
by rkayakr
Fri Feb 01, 2013 8:17 am
Forum: Personal Consumer Issues
Topic: uses for old laptop?
Replies: 28
Views: 4711

Re: uses for old laptop?

I did load Linux on an old machine. I use it only for financial transactions: banking, Vanguard, TIAA, ...
I never web browse or email with that machine.
by rkayakr
Tue Apr 17, 2012 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Can I ignore the TIAA-CREF options in my 401k?
Replies: 12
Views: 1500

Re: Can I ignore the TIAA-CREF options in my 401k?

My old 403c is with TIAA. My current 401k has limited choices and opaque management. I have my IRA with Vanguard. I kept TIAA Traditional and rolled the rest of the 403c and the 401k to the Vanguard IRA. I did hold the TIAA Real Estate, which I think is an unique investment.
by rkayakr
Mon Apr 02, 2012 10:10 am
Forum: Personal Consumer Issues
Topic: How are hybrid cars in the snow?
Replies: 14
Views: 6670

Re: How are hybrid cars in the snow?

I have a 2007 Prius here in Northeast Ohio. I replaced the OE tires with Goodyear Assurance TripleTred all season tires and have never had a problem. Check out the Tire Rack all season tire survey results: http://www.tirerack.com/tires/surveyresults/surveydisplay.jsp?type=AS there are categories for...
by rkayakr
Thu Sep 22, 2011 9:25 am
Forum: Personal Consumer Issues
Topic: Favorite song line?
Replies: 153
Views: 12726

Many of the above plus:

I was with my girl
I put my hand on her knee
She said - if you can't play the jug
you can't play with me

Jug Band Music
by rkayakr
Fri Sep 09, 2011 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund or Stable Value Fund
Replies: 19
Views: 5378

I hold Vanguard Total Bond and TIPS funds (~50/50) in my IRA and a stable value fund through my 401K. Given the present yields, all of my new money is going into the stable value fund.
by rkayakr
Mon Aug 29, 2011 10:17 am
Forum: Investing - Theory, News & General
Topic: 53% of Stock Trading is High Frequency Trading
Replies: 64
Views: 6591

I guess I have a primitive notion of Capitalism. I think that the value of Capitalism lies in the ability of markets to make useful investments. Any friction in the system that diverts capital from investment is bad for the economy and the society, whether the friction is from high speed trading, no...
by rkayakr
Mon Aug 22, 2011 1:31 pm
Forum: Personal Consumer Issues
Topic: [del]
Replies: 56
Views: 8592

I also have had a run in with PayPal. It started with a message form Gmail that my Gmail account had been accessed from China and suggesting that I change my password. I check the accesses and there appeared to be a genuine problem. I logged out and logged into Gmail from a different machine and bro...
by rkayakr
Tue Aug 02, 2011 2:08 pm
Forum: Personal Consumer Issues
Topic: Ipod Touch or something else?
Replies: 16
Views: 2342

I have an iPod Touch 4th gen and carry a dumb cell phone. I agree with the other posters that iTunes is a bad pieces of software. It even makes Micro$oft aps look good. In addition to the clumsiness in transferring music, podcasts, pix and videos, the iTunes store search is extremely poor. I usually...
by rkayakr
Mon Jun 13, 2011 2:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 376287

The Disappearing Spoon: And Other True Tales of Madness, Love, and the History of the World from the Periodic Table of the Elements - Sam Kean

Nice Summer Science read
by rkayakr
Tue Jun 07, 2011 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Substitute?
Replies: 8
Views: 1542

Vanguard's Cashedge has been closed to new users for some time. Vanguard's lack of aggregation is so severe that I can not get an aggregated view of my Vanguard IRA with my wife's Vanguard IRA, let alone any outside accounts.

IMHO this is a real weak spot for Vanguard.
by rkayakr
Sat May 28, 2011 9:28 pm
Forum: Personal Consumer Issues
Topic: Anyone do T'ai Chi?
Replies: 10
Views: 1604

I have done Tai Chi since 1974. I have had experience with four teaching styles. I do it every day to remain limber and calm my mind. I credit Tai Chi with developing my sense of balance and center of gravity control that helps me tremendously with other sports like skiing and kayaking. I first lear...
by rkayakr
Tue Apr 26, 2011 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Commodities
Replies: 21
Views: 3582

PIMCO in Vanguard IRA

I think that a $75 fee for purchase in a Vanguard IRA is way to high. I purchased shares in the PIMCO fund last year through Vanguard's FundAccess for my IRA and the charge was $20. From the Vanguard Brokerage Services® commission and fee schedules page: Transaction-fee (TF) funds Standard: $35; Voy...
by rkayakr
Mon Apr 11, 2011 8:43 am
Forum: Personal Consumer Issues
Topic: Hobbies of Bogleheads
Replies: 159
Views: 23463

Outdoor sports:
kayaking, hiking, X-C skiing - all inexpensive nature oriented hobbies

Indoor:
Amateur radio - low cost, I enjoy making my own gear

Indoor/outdoor:
Astronomy - enjoying nature + moderate gear (again making stuff)
by rkayakr
Mon Mar 21, 2011 5:23 pm
Forum: Personal Consumer Issues
Topic: Improved fuel economy with tires
Replies: 32
Views: 5727

WOW What an education in how topics develop on the internet. Please look back to my last post about the sensitivity of SUV rollover to tire pressure. The advice for autocross or any other kind of racing is IMHO the last thing the driver of a Suburban with the extra weight of kayaks on top should fol...
by rkayakr
Mon Mar 21, 2011 9:45 am
Forum: Personal Consumer Issues
Topic: Improved fuel economy with tires
Replies: 32
Views: 5727

Just to recap the tire discussion: You can change the amount of deflection of a pneumatic tire by changing its pressure Higher pressure -> less deflection -> lower rolling resistance, smaller footprint (crowned in the center), stiffer response Let's look at traction: The reason you put up with pneum...
by rkayakr
Fri Mar 18, 2011 1:33 pm
Forum: Investing - Theory, News & General
Topic: my commodity exposure is getting killed
Replies: 73
Views: 9430

bob90245 wrote: "However, the recent data with real money shows that investors have encountered contango." PCRIX 1 month + 2.4% 3 month + 8.6% 1 yr +29.8% If "contango" means a 30% return over the recent year with my real money, as PCRIX has delivered, I'll take it. I just don't see poor recent perf...
by rkayakr
Fri Mar 18, 2011 11:46 am
Forum: Investing - Theory, News & General
Topic: my commodity exposure is getting killed
Replies: 73
Views: 9430

bob90245 Well I certainly have not won the game. "It's only a struggle if you believe you have the ability to outperform by timing the markets. Give up the hope of outperformance by simply accepting what the markets offer you." EXACTLY! I try to stick to my allocation plan whether I think in the fut...
by rkayakr
Fri Mar 18, 2011 10:37 am
Forum: Investing - Theory, News & General
Topic: my commodity exposure is getting killed
Replies: 73
Views: 9430

bob90245 Hmmm - your comments seem to be in variance with your tag line. Do you change your asset allocations based on current interest rates or current equity valuations? How often to you change your allocation plan versus rebalancing to that plan? These are genuine questions about issues that I st...
by rkayakr
Fri Mar 18, 2011 9:45 am
Forum: Investing - Theory, News & General
Topic: my commodity exposure is getting killed
Replies: 73
Views: 9430

Scott S "I can't remember who said it first, but being diversified means you're always unhappy with something in your portfolio. - Scott" I think that you have it backward. Being diversified means that you are always happy about something in your portfolio. I have had a small allocation of PCRIX for...
by rkayakr
Fri Mar 04, 2011 3:10 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen too PART II
Replies: 7
Views: 1440

NPR Science Friday
my pesky job keeps me from listening live

The Skeptics Guide to the Universe
thought provoking and entertaining

Wait Wait Don't Tell Me
pure fun
by rkayakr
Wed Mar 02, 2011 9:47 am
Forum: Personal Consumer Issues
Topic: To Hybrid auto owners: is the maintenance different?
Replies: 34
Views: 6844

Another Prius data point. Nothing beyond oil changes required for my 2007 with 55,000 miles. I get the oil changes done at my favorite gas station.

I have a friend with an early Honda Insight that needed a new battery pack at 125,000 miles. Honda partially covered the replacement.
by rkayakr
Mon Feb 14, 2011 4:10 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148339

I've sampled as many beers as possible here and throughout Europe and a few in Asia. I'm far from an expert but am willing to learn (sample) whenever I can. In the US my favorite premium is Great Lakes Dortmunder Gold. Other Great Lakes brews are also very good. Best value - Henninger Premium Lager ...
by rkayakr
Mon Jan 31, 2011 6:14 pm
Forum: Personal Consumer Issues
Topic: Best mp3 player under $100?
Replies: 38
Views: 5370

One general comment on audio books and players. Our public library has a good selection of audio books that you can check out for free. You can download them to your PC and move them over to your mp3 player. This has become our standard practice before every long car trip.
by rkayakr
Mon Jan 31, 2011 1:40 pm
Forum: Personal Consumer Issues
Topic: Best mp3 player under $100?
Replies: 38
Views: 5370

I have a Sansa Fuze and my wife has a Sansa Clip. They are both excellent mp3 players. They both have built in FM receivers that many Apple products do not have. They also play nice with Apple, Windows and Linux. I also have an iPod Touch that I use mainly for Pandora (feeding my stereo) and other a...
by rkayakr
Thu Jan 20, 2011 12:30 am
Forum: Personal Consumer Issues
Topic: What to do? A day in Cleveland
Replies: 34
Views: 3892

-
by rkayakr
Thu Jan 20, 2011 12:20 am
Forum: Personal Consumer Issues
Topic: What to do? A day in Cleveland
Replies: 34
Views: 3892

Great lakes Brewing Company

XtremeSki2001

The Great Lakes Brewing Company is on the near West side near the West Side Market (worth a trip by its self). Great beers. I'm partial to the Dortmunder Gold.

http://www.greatlakesbrewing.com/gettin ... directions
by rkayakr
Mon Dec 20, 2010 9:43 am
Forum: Investing - Theory, News & General
Topic: Why Expert Predictions Fail and Why We Believe Them Anyway
Replies: 1
Views: 668

Why Expert Predictions Fail and Why We Believe Them Anyway

Bogleheads may be interested in the latest episode of the Skeptics Guide to the Universe (#283) podcast. This center part of this episode has an interesting interview with Dan Gardner, author of "Risk" and "Future Babble - Why Expert Predictions Fail and Why We Believe Them Anyway". Much of the inte...
by rkayakr
Thu Oct 28, 2010 6:40 am
Forum: Investing - Theory, News & General
Topic: What Fund Investors Should Learn from Benoit Mandelbrot
Replies: 8
Views: 2203

How Fractals Can Explain What's Wrong with Wall Street

Link to an old article by Mandelbrot in Scientific American, originally published in 1999. Readable, no equations

http://www.scientificamerican.com/artic ... all-street
by rkayakr
Mon Aug 23, 2010 7:34 pm
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 39162

Three thoughts one - like many others I get my exercise by doing things that I enjoy. Hiking, XC skiing, downhill skiing, kayaking, ... two - Get a dog. I have a 65 lb Golden Retriever. If she isn't walked vigorously every day she goes stir crazy. Every morning before work and every evening she take...
by rkayakr
Mon Aug 23, 2010 7:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Internet Security
Replies: 14
Views: 2576

Lbill Would having a dedicated computer for only financial websites, and having a second hard drive in the same computer dedicated only to financial websites be the same thing? In general no. The point of my second drive is that the first drive hosts a Windows operating system. The second hosts Ubun...
by rkayakr
Mon Aug 23, 2010 6:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Internet Security
Replies: 14
Views: 2576

CaptMidnight I agree that there is a serious security risk from the institution. Breaches usually go unreported or under reported because institutions have no upside in publicizing them. A breach discourages patrons and disclosure usually doesn't help catch the culprits. In my first post I mentioned...
by rkayakr
Sun Aug 22, 2010 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Internet Security
Replies: 14
Views: 2576

atomiclightbulb Thanks for the reply and good advice. I took the extra step of installing a second hard disk on one computer that I run Unbuntu Linux from. I use the Chrome browser on it exclusively for connecting to Vanguard and other financial institutions. In other places I use Firefox with Abine...
by rkayakr
Sun Aug 22, 2010 11:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Internet Security
Replies: 14
Views: 2576

Vanguard Internet Security

Two items on Internet security and the Vanguard website. First As I have moved to using more Internet access to financial services I have become increasing aware of security and privacy issues. In particular, use of the Vanguard website requires several dubious practices, including enabling JavaScri...
by rkayakr
Wed Aug 04, 2010 7:39 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 376287

The Most Powerful Idea in the World: A Story of Steam, Indus

The Most Powerful Idea in the World: A Story of Steam, Industry, and Invention by William Rosen I found this book fascinating. I found it a well written story of invention, innovation, politics, economics and the evolution of science and of intellectual property. Amazon Product Description "If all m...
by rkayakr
Fri May 28, 2010 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 11547

J P Morgan rollover to VG - lost check

JPM claimed that they could only send the check (made out to VG) directly to me. I didn't pay extra for a rush check. Day after day I waited to see the check appear in my mail box. After several days I called JPM and they insisted I wait 10 days. After the 10 days I canceled the first check and orde...
by rkayakr
Sun May 23, 2010 7:53 pm
Forum: Investing - Theory, News & General
Topic: The Rational Optimist: How Prosperity Evolves
Replies: 27
Views: 3910

The Rational Optimist: How Prosperity Evolves

As an antidote to the pervading gloom and doom I have just started reading “The Rational Optimist: How Prosperity Evolves” by Matt Ridley. It's scope and analysis reminds me of Bernstein's "The Birth of Plenty : How the Prosperity of the Modern World was Created". So far it is a great read with an i...
by rkayakr
Fri May 21, 2010 12:21 pm
Forum: Personal Consumer Issues
Topic: Prius... yeah or nay?
Replies: 48
Views: 177346

'07 Prius

I have an '07 Prius that I am happy with. In addition to the economy, comfort, appointments and passenger space the hatchback is a great feature. I have a 65 lb. Golder Retriever that happily rides back there when it's not full of my gear or my wife's Art projects. Folding the rear seat down lets us...
by rkayakr
Sat Apr 24, 2010 9:36 am
Forum: Personal Consumer Issues
Topic: When did you first hear about Lake Wobegon?
Replies: 38
Views: 5634

I first heard Prairie Home Companion after I moved to Iowa City in 1979. When I moved away in 1984 I was surprised to find that it wasn't a local program.

By the way - all of my children ARE above average
by rkayakr
Tue Apr 13, 2010 2:33 pm
Forum: Personal Consumer Issues
Topic: Every Black Hole Contains Another Universe?
Replies: 50
Views: 6269

Turtles all the way down

Reminds me of the cosmology of Terry Pratchett's Diskworld. from Wikipedia "Turtles all the way down": "Turtles all the way down," or "The Infinite Turtle Theory," refers to the infinite regression problem in cosmology posed by the Unmoved mover paradox. The phrase was popularized by Stephen Hawking...
by rkayakr
Tue Mar 23, 2010 7:29 pm
Forum: Investing - Theory, News & General
Topic: Playing with FIRECalc - Asset allocation during retirement
Replies: 16
Views: 3419

Rodc
Thanks for the info.
Rodc wrote: It uses rolling periods over only one history.
This will sound flip, but how many histories of the US market since 1927 can you have? Isn't there just one?
by rkayakr
Tue Mar 23, 2010 7:18 pm
Forum: Investing - Theory, News & General
Topic: Playing with FIRECalc - Asset allocation during retirement
Replies: 16
Views: 3419

If you've been lurking on this forum you probably know that Larry Swedroe has a small-value concentrated portfolio along the same lines as what you've been kicking around. Just in case: freebeer No, I have read several of Swederoe's books but had not seen the heavy SCV tilt you reference. I choose ...
by rkayakr
Tue Mar 23, 2010 7:14 pm
Forum: Investing - Theory, News & General
Topic: Playing with FIRECalc - Asset allocation during retirement
Replies: 16
Views: 3419

dbr wrote:This analysis is not complete until the effects of AA are looked at over a range of withdrawal rates
dbr
I tried 4%, 4.5% and 5% withdrawal rates. 4% is dull, everything succeeds. 4.5% and 5% both had SCV as the best allocation.
by rkayakr
Sun Mar 21, 2010 9:55 pm
Forum: Investing - Theory, News & General
Topic: Playing with FIRECalc - Asset allocation during retirement
Replies: 16
Views: 3419

Rodc The result posted is not the result on ONE scenario, but the cumulative results of 49 rolling 30 year periods from 1929. I thought it interesting because given the same historical data, you can get much different results from different reasonable sounding analysis approaches. I posted in the "T...
by rkayakr
Sun Mar 21, 2010 4:29 pm
Forum: Personal Consumer Issues
Topic: The safest car for Bogleheads
Replies: 112
Views: 14150

I think side-impact airbags are important as well. About 1/10th as important as ESC in terms of reducing fatalities. ESC is the most important safety feature that is not mandated by the federal government. [/i] Wikipedia article on ESC: The United States was next, requiring ESC for all passenger ve...
by rkayakr
Sun Mar 21, 2010 3:20 pm
Forum: Investing - Theory, News & General
Topic: Playing with FIRECalc - Asset allocation during retirement
Replies: 16
Views: 3419

Rodc I reported in 3 decimal places because that is how FIRECalc reports its results. It runs 49 scenarios. If two fail you get a 95.9% success report since 47/49 does not express in whole percentage points. The reason for the post was that MPT, based on historical returns, seems to suggest a divers...
by rkayakr
Sun Mar 21, 2010 10:33 am
Forum: Investing - Theory, News & General
Topic: Playing with FIRECalc - Asset allocation during retirement
Replies: 16
Views: 3419

Playing with FIRECalc - Asset allocation during retirement

While lurking on the Forum I learned about FIRECalc, Otar and TIP$TER. In playing with FIRECalc I ran across an interesting result for portfolio theory followers (like myself). Say you have some assets and a 30 year expected need for withdrawal with the default CPI inflation. I'll focus on the succe...