Search found 162 matches

by Lollytiger
Sat Feb 28, 2015 3:39 am
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 7855

Re: How does one increase their typing speed and accuracy?

Has anyone switched to a Dvorak keyboard after mastering the QWERTY keyboard? I was considering getting one. I am stuck at 80wpm in qwerty. I can go faster but my accuracy drops below 100% at that point. I've heard that people can do 120-150wpm with 99%+ accuracy on Dvorak keyboards. But qwerty is ...
by Lollytiger
Mon Mar 31, 2014 1:20 am
Forum: Investing - Theory, News & General
Topic: retired at 37?
Replies: 52
Views: 6411

Re: retired at 37?

This link is pretty relevant for the discussion: m Unfortunately, although I can find that VTSMX returned 5.54% annually over the last 15 years I don't really feel like finding the exact numbers since 2001 for both VTSMX and inflation (to calculate the real return). Besides, investing aggressively c...
by Lollytiger
Mon Mar 03, 2014 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Need advice: Lost lot of money in trading.
Replies: 65
Views: 8033

Re: Need advice: Lost lot of money in trading.

I think the main thing to keep in mind here is that 1) the decision to buy the stock was a bad idea, even if the stock proceeded to go up, and 2) selling your shares now would be a good idea, again even if the stock proceeded to go up. If you take everyone's advice and sell, and then it goes up, the...
by Lollytiger
Fri Jan 03, 2014 11:36 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 13690

Re: [Poll] What was your 2013 return?

11% (50/50 portfolio) according to the Vanguard site, which was slightly disappointing given all the talk about this being a Very Good Year, but I guess it's to be expected with the significant bond allocation.
by Lollytiger
Fri Jan 03, 2014 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 8217

Re: How much did your credit card rewards cost you in 2013?

Presumably ajcp is referring to how just as how credit card users on average pay interest, but Bogleheads members generally don't, so the average net worth of the population is not as high of the average net worth of the population here. No one believes we are lying when we claim to not pay interest...
by Lollytiger
Tue Mar 26, 2013 12:40 am
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 19782

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

The watch is hardly going to put you in the poorhouse, so you might as well get it. 40 years is quite a long period of delayed gratification. At worst, you definitively settle the question of whether you should have gotten the watch or not, as opposed to all this worrying.
by Lollytiger
Sun Mar 17, 2013 4:51 pm
Forum: Personal Consumer Issues
Topic: Samsung Galaxy S 4
Replies: 16
Views: 5152

Re: Samsung Galaxy S 4

coolguy954 wrote:Nexus 4>>>>>>

pure google>>>>>


I used to run a stable CyanogenMod 10 on my phone but then I found out that company security policy forbids it so it was a choice between CM10 and being able to expense my data plan. I regretted not getting a Nexus 4 after that :(
by Lollytiger
Sun Mar 17, 2013 4:43 pm
Forum: Personal Consumer Issues
Topic: Fired my Smartphone Carrier
Replies: 39
Views: 6399

Re: Fired my Smartphone Carrier

If you can live with 100 minutes a month (with additional minutes buyable at some cost) then the T-mobile/Walmart prepaid plan with $30 for 5GB data is still really good.
by Lollytiger
Wed Mar 13, 2013 1:05 am
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 29252

Re: What % of your income are you saving for retirement?

How do people calculate their savings rate? I've tried to do this before but I always felt unsure of what it actually was. I tried to add up all my credit card bills for the year, multiply rent + some arbitrary number that approximates other bills by 12, add them together, compare to net worth chang...
by Lollytiger
Wed Mar 06, 2013 3:26 am
Forum: Personal Consumer Issues
Topic: Advice Wanted On A New Cell Phone
Replies: 40
Views: 3159

Re: Advice Wanted On A New Cell Phone

Lollytiger would suggest that a cell phone for the Munchkin Man's needs can be easily purchased for under $400. The Nexus 4, arguably the best smartphone, costs $350. Lollytiger understands that the Nexus 4 is something of an anomaly. Nevertheless, the original statement holds true. Given that a cel...
by Lollytiger
Sat Jan 26, 2013 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 6453

Re: Chase Bank new checking account free $200

The last time I heard about this promotion, you had to have one of the checking accounts that has a monthly fee attached to it, such that you still get free money but not as much; enough that I decided it wasn't worth the bother. Did they change that now? I've been considering applying for the Chase...
by Lollytiger
Sun Jan 20, 2013 5:13 am
Forum: Investing - Theory, News & General
Topic: Indexing vs Investing in Berkshire Hathaway
Replies: 47
Views: 5244

Re: Indexing vs Investing in Berkshire Hathaway

LondonJimmy, maybe you could try a long term experiment that you document here or on a blog (and link to here). Tell us what your current holdings are and take note of any trades you make. There are lots of people who make claims on the internet, but the only way to verify their claims when it come...
by Lollytiger
Sun Jan 13, 2013 2:04 am
Forum: Personal Consumer Issues
Topic: US Dept Homeland Security urges Disable Java
Replies: 124
Views: 15776

Re: US Dept Homeland Security urges Disable Java

The correct response to being enlightened is not to make passive aggressive remarks towards the person doing the enlightening. And yes, Java and JavaScript are completely different and share basically nothing in common.
by Lollytiger
Sat Jan 12, 2013 12:33 am
Forum: Personal Consumer Issues
Topic: Walmart to offer unlimited iPhone 5 plan for $45/mo
Replies: 45
Views: 6741

Re: Walmart to offer unlimited iPhone 5 plan for $45/mo

Straight Talk is one of many MVNOs, like SimpleMobile, Good2Go, RedPocket etc. They buy coverage from the major carriers and sell it to customers. You've always been able to buy the unlocked iPhone (well, it's not available unlocked immediately after release but the iPhone 5 has been available unloc...
by Lollytiger
Sun Oct 21, 2012 3:07 pm
Forum: Personal Consumer Issues
Topic: Cyberattack & Spending Money ?
Replies: 18
Views: 1456

Re: Cyberattack & Spending Money ?

I have plenty of paper I Bonds that would feed me for many months. Victoria If the electricity is out the bank can not run your bonds through their little gizmo to compute the correct interest they owe. When I first saw this quote I really thought Victoria meant she had enough I Bonds that she coul...
by Lollytiger
Sun Oct 14, 2012 4:35 pm
Forum: Investing - Theory, News & General
Topic: In the end, we're all stock market timers aren't we?
Replies: 33
Views: 2756

Re: In the end, we're all stock market timers aren't we?

This is a very broad definition of "market timing". In general any time that someone defines a certain activity such that everyone is performing that activity, the term ceases to have any meaning. When people talk about market timing the general context is that the market goes up and the m...
by Lollytiger
Sun Oct 14, 2012 4:26 pm
Forum: Personal Consumer Issues
Topic: Knives set recommendations
Replies: 43
Views: 5184

Re: Knives set recommendations

I'm more or less repeating what everyone else is already saying, but don't get a knife set. Get 1-2 knives and then add other knives only as you actually feel the need for them. The main knife you need is a chef's knife. This will probably be 8 inches although the pros use bigger knives. You could p...
by Lollytiger
Fri Oct 12, 2012 11:18 pm
Forum: Personal Consumer Issues
Topic: Whole Disk Encryption?
Replies: 37
Views: 2519

Re: Whole Disk Encryption?

I've been told that if a reasonably knowledgeable person gains physical control of my computer, a screensaver lock is not going to protect against anything. The screensaver lock is to prevent someone from casually walking by and having easy access. If my computer is stolen, encryption is the only m...
by Lollytiger
Sun Sep 30, 2012 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pay bills when they are due or ASAP?
Replies: 39
Views: 4063

Re: Pay bills when they are due or ASAP?

I've long given up trying to do a calculation of things like incoming bills, rent payments, portion of signing bonuses that would need to be returned, stock that still needs to vest etc. simply because it's too much of a pain. As for the original question, the best is probably to autopay when they a...
by Lollytiger
Sat Sep 29, 2012 10:39 pm
Forum: Personal Consumer Issues
Topic: Tailoring Clothes
Replies: 30
Views: 3691

Re: Tailoring Clothes

I always wonder exactly how you go get clothes tailored, like if you want to get a pair of pants tailored are you supposed to go there wearing the pants and have a second pair to change into so you can drop off the original pair??
by Lollytiger
Sat Sep 29, 2012 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 4865

Re: Apple Computers & Laptops

I understood that people feel very strongly pro or anti Apple, but refusing to eat apples and substituting them with other fruit sounds way excessive. I mean, do you also evaluate the worthiness of people based on the brand of their smartphone? Like you think less of them if they have an iPhone, but...
by Lollytiger
Fri Sep 21, 2012 11:36 pm
Forum: Personal Consumer Issues
Topic: I don't get the iphone hype
Replies: 56
Views: 3721

Re: I don't get the iphone hype

I've been "researching" smartphones for several days now in preparation to buy one and it seems like Apple is always a divisive topic. There's lots of hype and lots of backlash and people really like to make unsupported superlative assertions about the types of people who buy Apple product...
by Lollytiger
Sun Sep 16, 2012 8:07 pm
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 7370

Re: Will you get an iPhone 5?

I'm surprised that the promised estimate of total retirement savings for not buying a smartphone has yet to materialize. I feel responsible for providing one now. Assuming a 32GB iPhone 5 is $300 and the data plan is $50/month that makes a nice total of $1.5k (ignoring the effect of inflation during...
by Lollytiger
Sun Sep 16, 2012 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much mortgage does a 90,000 salary qualify for
Replies: 51
Views: 44200

Re: How much mortgage does a 90,000 salary qualify for

I don't understand why the rules would be different in the Bay Area (or any other place with high home costs). If it's not financially safe to go beyond X mortgage to income ratio, that should hold true regardless of where in the US you are. If houses are so expensive that the only way to buy them i...
by Lollytiger
Sat Sep 15, 2012 2:46 am
Forum: Investing - Theory, News & General
Topic: Make-Believe [investing for maximum returns]
Replies: 31
Views: 2347

Re: Make-Believe [investing for maximum returns]

Use the 10,000 to start college studying software engineering. Work your butt off and get straight A's then apply for financial aid and scholarships. Get a job after 3 years (if you work hard enough you can graduate in that time frame) with a uptrending software company who will grant you some heft...
by Lollytiger
Fri Sep 14, 2012 3:25 am
Forum: Investing - Theory, News & General
Topic: Make-Believe [investing for maximum returns]
Replies: 31
Views: 2347

Re: Let's Play a Little Make-Believe

Roulette probably has more upside potential than any portfolio. Gamble all your money every time and the rate of return, assuming you always win is monumental. Of course, the initial conditions aren't very clear since "risk of loss is no object" and "end his own life if his portfolio ...
by Lollytiger
Tue Aug 28, 2012 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Beginner Credit Card Question
Replies: 5
Views: 658

Re: Beginner Credit Card Question

I'd get the collateral from the secured credit card back. I don't quite understand your option 1 and how it helps you, maybe you mean closing the secured credit card instead of the unsecured one? About a year ago I closed an old credit card which I had never used. This cost me about 40-50 points as ...
by Lollytiger
Wed Jun 20, 2012 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like my friend just won the lottery...
Replies: 31
Views: 8512

Re: I feel like my friend just won the lottery...

I would take $1MM and buy annuities with it, or at least up to whatever amount the state ensures (might have to buy multiple annuities if it's per-annuity insurance, but I'm not clear on the details). This will ensure that he never goes broke no matter how badly he mismanages his money. Beyond that,...
by Lollytiger
Sun Jun 17, 2012 3:23 pm
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 54488

Re: Another reason why you should never reuse passwords...

And how long will they have to work to get it, again the GHU site indicated 2600 years to crack the password using 100 trillion times per second. As mentioned before, this is only true if the encryption has no known weakness. Encrypt an old WinZip archive with that password, then run a WinZip crack...
by Lollytiger
Sun Jun 17, 2012 1:41 am
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 54488

Re: Another reason why you should never reuse passwords...

The effort required is really very low. With software like PasswordSafe all you need to do is memorize one password which unlocks the safe, and then all the passwords within the safe can be arbitrarily complicated. You copy and paste them when you need to use them. In fact this is easier than rememb...
by Lollytiger
Fri Jun 15, 2012 2:46 am
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 54488

Re: Another reason why you should never reuse passwords...

I'm curious. Instead of crypts and dropboxes and vaults et al why not just store all your passwords in a word document that is password protected? I have mine in Open Office document and the password on that document is 16 characters long. I keep a copy on 2 separate external devices both password ...
by Lollytiger
Tue Jun 12, 2012 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Vs. Owning at 22
Replies: 83
Views: 6316

Re: Renting Vs. Owning at 22

Don't gamble; take all your savings and buy some good real estate and hold it till it goes up, then sell it. If it don't go up, don't buy it.
by Lollytiger
Tue Jun 12, 2012 12:04 am
Forum: Investing - Theory, News & General
Topic: A case for actively managed funds
Replies: 52
Views: 4200

Re: A case for actively managed funds

There will always be lots of actively managed funds that beat the market, and for any given fund that beats the market there will always be some kind of explanation for why it did so. So the fact that a fund beats the market, and the fund manager can propose some philosophy or strategy which explain...
by Lollytiger
Mon Jun 11, 2012 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Vs. Owning at 22
Replies: 83
Views: 6316

Re: Renting Vs. Owning at 22

I think expecting to stay in the house/condo for 10-15 years is a prerequisite for buying (keeping in mind that expecting something is not a guarantee of it actually happening). Since you have not even started your job, you have no good idea how you will like it, whether you will want to switch jobs...
by Lollytiger
Mon Jun 11, 2012 10:59 pm
Forum: Investing - Theory, News & General
Topic: Risk/Return and Young Bogleheads
Replies: 35
Views: 3473

Re: Risk/Return and Young Bogleheads

I never really get it when people talk about an investor's need to take risk because an inherent component of risk is that if you are taking a risk, then there is a chance that you will not obtain the corresponding return, you may in fact lose money (how much money being proportional to the amount o...
by Lollytiger
Mon Jun 11, 2012 10:14 pm
Forum: Personal Consumer Issues
Topic: Anyone else value "things" over "experiences"?
Replies: 48
Views: 4176

Re: Anyone else value "things" over "experiences"?

I usually spend my money (assuming I'm spending money at all) on things rather than experiences. For example, I don't have any interest in vacations or traveling. Now, to some degree you could say that the things are bought to enable experiences, but in that case, all purchases of things are really ...
by Lollytiger
Sun Jun 10, 2012 10:40 pm
Forum: Investing - Theory, News & General
Topic: A reason to avoid using the same password at different sites
Replies: 33
Views: 5779

Re: A reason to avoid using the same password at different s

IIRC there is a way to use a compromised Vanguard account involving exchanging into a penny stock. Did a quick search for it, second to last post: viewtopic.php?t=77384
by Lollytiger
Sun Jun 10, 2012 10:38 pm
Forum: Forum Issues and Administration
Topic: Forum Software Updated: Show Password Strength
Replies: 16
Views: 4947

Re: Forum Software Updated: Show Password Strength

If you use different passwords at each site and your important passwords are strong, that is enough. Mudpuppy's explanation is really good.
by Lollytiger
Sun Jun 10, 2012 10:35 pm
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 54488

Re: Another reason why you should never reuse passwords...

I think the best approach is to use something like PasswordSafe, which stores all your passwords within an encrypted file. You need to memorize a master password which unlocks the safe. It is Schneier approved! I'm inherently distrustful of services like LastPass and don't really see a reason to out...
by Lollytiger
Sun Jun 10, 2012 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do new people often take the advice offered here?
Replies: 53
Views: 4357

Re: Do new people often take the advice offered here?

I think I had been here for a year when I asked for advice. I was told to increase my stock allocation and get out more (I think?) Since then, I have decreased my stock allocation and failed to get out more. So...
by Lollytiger
Fri Jun 08, 2012 1:58 am
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 54488

Re: Another reason why you should never reuse passwords...

For many passwords, the limit on how fast they can be checked is how many attempts the site allows per second. For these cases it is totally irrelevant how fast any machine can generate strings via brute force. Edit: For this reason, the fact that Vanguard only allows fairly short passwords is not t...
by Lollytiger
Wed May 30, 2012 1:48 am
Forum: Investing - Theory, News & General
Topic: Kahneman on "The Trap of Thinking That We Know"
Replies: 60
Views: 5727

Re: Kahneman on "The Trap of Thinking That We Know"

It seems pretty clear that someone on this thread has fallen to the trap of thinking that they know! Despite the risk of adding myself to that group, I feel safe in asserting that the idea that any argument with a true conclusion is valid makes no sense whatsoever and is a misinterpretation of http://en.wikipedia.org/wiki/Vacuous_truth.
by Lollytiger
Sun May 27, 2012 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bud who is as unBoglelike as could be
Replies: 21
Views: 2998

Re: Bud who is as unBoglelike as could be

momar wrote:The interesting thing is they already lost their shirt in a similar product and are about to dive head first into another.


Presumably they felt they learned their lesson last time and therefore are fully justified in their confidence this time. The eternal cycle!
by Lollytiger
Sun May 27, 2012 9:44 pm
Forum: Investing - Theory, News & General
Topic: What's Your Risk IQ?
Replies: 50
Views: 5436

Re: What's Your Risk IQ?

Started by replying 10% and 20% to most all the questions, then adjusted it up to 30%. Apparently the test thinks that the most reasonable default position on any statement you have no idea about is 50%, but I'm doubtful about that.
by Lollytiger
Sat May 12, 2012 1:40 am
Forum: Personal Consumer Issues
Topic: High End Ranges - Viking vs. Wolf
Replies: 35
Views: 15040

Re: High End Ranges - Viking vs. Wolf

I don't think I've ever seen a person claim to prefer electric stoves to gas stoves. I personally much prefer a gas stove, but not quite to the point of contacting my landlord and asking if I'm allowed to replace this horrific glass stovetop (although I'm tempted now...) have you ever tried inducti...
by Lollytiger
Fri May 11, 2012 9:37 pm
Forum: Personal Consumer Issues
Topic: High End Ranges - Viking vs. Wolf
Replies: 35
Views: 15040

Re: High End Ranges - Viking vs. Wolf

I don't think I've ever seen a person claim to prefer electric stoves to gas stoves. I personally much prefer a gas stove, but not quite to the point of contacting my landlord and asking if I'm allowed to replace this horrific glass stovetop (although I'm tempted now...)
by Lollytiger
Sun Apr 22, 2012 5:04 pm
Forum: Investing - Theory, News & General
Topic: If you could hold only one fund, which one would it be?
Replies: 49
Views: 5368

Re: Changing the "glide path."

Either one of the TR funds or Wellesley; I'm thinking Wellesley would be the more likely choice. It depends on how much I dislike the glide path of the TR fund and the chance Vanguard randomly changes the stock/bond allocation versus the chance Wellesley's managers go crazy. Lollytiger: Do you real...
by Lollytiger
Sun Apr 22, 2012 1:43 am
Forum: Investing - Theory, News & General
Topic: If you could hold only one fund, which one would it be?
Replies: 49
Views: 5368

Re: If you could hold only one fund, which one would it be?

Either one of the TR funds or Wellesley; I'm thinking Wellesley would be the more likely choice. It depends on how much I dislike the glide path of the TR fund and the chance Vanguard randomly changes the stock/bond allocation versus the chance Wellesley's managers go crazy.
by Lollytiger
Sat Apr 14, 2012 2:49 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 249851

Re: Best watch for around $5,000?

If you really think buying a watch is an investment, why not buy 20 of them and lock them up in a safe for resale in 20 years? The fact that people invariably only buy one of the same model of watch indicates it is clearly a consumption good and not an investment. Now whether it is worthwhile to buy...