Search found 5529 matches

by bertilak
Mon Sep 25, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 29
Views: 1905

Re: Which is better a Cryptocurrency or Gold?

To answer your question, Crypto. I am up over 300% since I started buying in April of this year. I already took out my original investment. (I wish I would have left it in). I feel like I am on the cutting edge of the future. It is fun and I am making money. So far it is just a hobby but I am learn...
by bertilak
Mon Sep 25, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 56
Views: 2133

Re: Do you avoid risky adventures once you have the money?

Oops!
Misread the question. Deleted.
by bertilak
Mon Sep 25, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2432

Re: Are all investments compound interest?

Thanks for all of your replies and answers. My question is this: If investments do not compound , why do all financial books have graphs on the "power of compounding"?? I still am not clear if the money I have in my Roth IRA at Vanguard with 740 shares of VFFVX (Vanguard Target Retirement 2055 Fund...
by bertilak
Mon Sep 25, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 29
Views: 1905

Re: Which is better a Cryptocurrency or Gold?

i dont see why people are against cryptocurrency, but were content investing in enron (it was part of the S&P i believe). Opporutnity comes in skepticism. Congrats to the individuals who made a lot of money in bitcoin. I wish I invested with you. Gold and cryptocurrency hvae their roles, depends on...
by bertilak
Sat Sep 23, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 34
Views: 2986

Re: Take The Lump Sum or The Immediate Annuity?

All ideas will be very appreciated... As much of the above says, one can compare the annuity offer to other available annuities and their costs. This will tell you if the offer is fair and that's good to know. A bigger question is do you or do you not want an annuity at all? My answer is that you n...
by bertilak
Thu Sep 21, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Quicken Mobile app [balance discrepancy between app and PC version]
Replies: 2
Views: 238

Quicken Mobile app [balance discrepancy between app and PC version]

Last night I opened my Quicken 2017 and was forced to upgrade to R14. It was an unusually involved process that included a checklist of about ten or so things I needed to do, the main one being to establish an ID/PW for Quicken security instead of Intuit security. NOTE! Despite the fact that the ins...
by bertilak
Tue Sep 19, 2017 5:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 113
Views: 11247

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

Not sure I believe that holding on to your dividend funds would have prevented any of that - they dropped at pretty much the same pace as the rest of the market after all. But is that true for the dividends themselves? For someone living off of their stock market returns, does not the degree to whi...
by bertilak
Tue Sep 19, 2017 4:52 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28666

Re: Wow, Vanguard Flagship service is bad. Really bad.

PDX_Traveler wrote:
Tue Sep 19, 2017 2:34 am
It was quite unnerving to see 'electronic' funds simply go *poof*
I have been on the other end. A few years back, an asset (some mutual fund, I believe) simply popped into one of my accounts. I think this was with Schwab. I reported it and the next day it was gone.
by bertilak
Mon Sep 18, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 820992

Re: What Book Are You Currently Reading? Part VI

Something I just picked up at Costco: Classic Horror Tales ... There are over two dozen horror stories by the best classic authors: Edgar Allan Poe, Bram Stoker, Arthur Conan Doyle, R.L. Stevenson, Ambrose Bierce, H.P. Lovecraft, Dickens, and others. One of the "others" is Henry James. His story is...
by bertilak
Sun Sep 17, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: A bit of estate planning
Replies: 10
Views: 1075

A bit of estate planning

I would like tp hear about the financial tools available to accomplish the following: Give money to four and six year old grandsons. NOT Have that money simply fall into their parents' "general fund." Maintain control over how that money is invested. Have some control over how the money is eventuall...
by bertilak
Sat Sep 16, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Determine Insurance Value?
Replies: 10
Views: 549

Re: How Do You Determine Insurance Value?

I sometimes watch the TV show "Antiques Roadshow." Often the appraiser will say something like, "It would sell at auction for about $10,000, but you should insure it for $15,000." I would assume that the insurance claims adjuster would come to a value closer to the $10,000 figure, so why do they re...
by bertilak
Fri Sep 15, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 820992

Re: What Book Are You Currently Reading? Part VI

Something I just picked up at Costco: Classic Horror Tales (World Cloud Classics), Editors of Canterbury Classics. The binding is described as "Flexibound" which is a soft, comfortable, leather-like binding. It is approximately 5x8 and at 454 pages is just over an inch thick. Unfortunately, no Illus...
by bertilak
Wed Sep 13, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Someone set up PayPal account using my email...
Replies: 35
Views: 2597

Re: Someone set up PayPal account using my email...

There are only so many email addresses that can match, so I suggest composing a message explaining the situation and sending it off to all of them. You should get failure notices for the nonexistent ones.
by bertilak
Wed Sep 13, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using investment funds for Home purchase
Replies: 13
Views: 1123

Re: Using investment funds for Home purchase

I see nothing inherently wrong with using invested assets for home purchase. Some people specifically invest just to build up equity for this purpose. Some people use invested assets to pay off (or down) a mortgage on a home already owned. If retired, improved cash flow may be a consideration and a ...
by bertilak
Tue Sep 12, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1603

Re: Three days in Prague during September

ladders11 wrote:
Tue Sep 12, 2017 1:14 pm
bertilak wrote:
Tue Sep 12, 2017 10:46 am
Three Days in Prague

Wasn't that an Alfred Hitchcock movie based on a LeCarre book?
I wish this existed! However Hitchcock, 1899-1980, mostly predated Le Carre, whose novel Spy Who Came in From the Cold was published in 1965.
Maybe it was a Le Carre book based on a Hitchcock movie!
by bertilak
Tue Sep 12, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1603

Re: Three days in Prague during September

Three Days in Prague

Wasn't that an Alfred Hitchcock movie based on a LeCarre book?
by bertilak
Tue Sep 12, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Is tall Fescue really tall?
Replies: 12
Views: 1361

Re: Is tall Fescue really tall?

Interesting. TF is the grass of choice here and Bermuda is considered a weed (except for some varieties used on golf courses). In the lawn it is called wiregrass here. The only way to get rid of the wiregrass is to nuke (Roundup) and reseed. We did that on the front last year and the back is going ...
by bertilak
Tue Sep 12, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 15330

Re: Microsoft, I want my computer back!

Perhaps I'm dense but I cannot see any difference between the two sides of the comparison -- other than the "heat map" they have overlaid on each side. I don't like that picture either. Even the large version doesn't really show the differences, and the small one is hopelessly fuzzy. The original a...
by bertilak
Tue Sep 12, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Is tall Fescue really tall?
Replies: 12
Views: 1361

Re: Is tall Fescue really tall?

Our lawn is primarily Bermuda and we consider Tall Fescue to be a weed, or invasive specie. Grows in clumps here and there in the lawn. Like lawn pimples! Don't know how to kill it without killing everything. One suggestion was to do just that: use Round Up to kill everything then reseed. Not about ...
by bertilak
Tue Sep 12, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8396

Re: When calculating net worth, how do you value your house?

Glances through this thread - what's interesting is that I don't think (unless I missed it) anyone asked the OP what his/her/their "Purpose" of calculating networth is. The answer certainly depends upon the goal on whether or not it should be included. Good question. The section this is in, "Person...
by bertilak
Tue Sep 12, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 342
Views: 39909

Re: Quicken's future direction - a cause for concern

There are a few quirks to get used to, and adjust for, but it becomes second nature pretty soon. I don't have to "adjust" to Quicken. I am adjusting to Excel. I don't play games with hustlers. Quicken is now under new ownership who haven't been around long enough, in my opinion, to condemn them. I ...
by bertilak
Mon Sep 11, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 342
Views: 39909

Re: Quicken's future direction - a cause for concern

Keepcalm wrote:
Mon Sep 11, 2017 5:34 pm
YNAB just released a full feature mobile app including reports....just saying.
I guess it depends on the meaning of "full featured!" Also, would not a mobile app be quite limited in display area?
by bertilak
Mon Sep 11, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 15330

Re: Microsoft, I want my computer back!

I find the new UI to be not only uglier but also less usable. And now I have some empirical evidence to back that up. https://www.theregister.co.uk/2017/09/05/flat_uis_designs_are_22_per_cent_slower_official/ Perhaps I'm dense but I cannot see any difference between the two sides of the comparison ...
by bertilak
Mon Sep 11, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 342
Views: 39909

Re: Quicken's future direction - a cause for concern

I would never trust the "cloud". They have total control and are not above holding your records hostage. Photobucket is doing what Quicken is doing but times 10. I find I have to manually enter any broker transactions. Quicken it totally 100% useless for downloading brokerage accounts. If I didn't ...
by bertilak
Mon Sep 11, 2017 12:09 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58645

Re: Forum software upgrade bug reports and change requests

Thanks all. I did look to see if those wee "old" (pre upgrade) quotes but I'm still in August and forgot that the rest of the world has already moved on to September so those posts from Aug 10 and 11 looked pretty recent to me! I will now adjust the month in my internal clock!
by bertilak
Mon Sep 11, 2017 11:15 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58645

Re: Forum software upgrade bug reports and change requests

Link to quoted post in reply. I like that little up-arrow that allows one to link to the quoted post. Unfortunately, it isn't always there! Please look at this example: https://www.bogleheads.org/forum/viewtopic.php?p=3487130#p3487130 When I look, the quoted post has no little up-arrow even though t...
by bertilak
Mon Sep 11, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: "Top 5 Ways to Manage Your Money"
Replies: 8
Views: 3448

Re: "Top 5 Ways to Manage Your Money"

Bogleheads: The Physician on Fire website has an article about different ways to manage our money. ... Top 5 Ways to Manage Your Money Best wishes. Taylor Thanks, Taylor. That is excellent. I also followed these two links (given in the above) for more equally excellent writings ... https://www.phys...
by bertilak
Sat Sep 09, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9426

Re: Companies/Brands You Love?

SirRunsabit wrote:
Fri Sep 08, 2017 9:56 pm
and of course, who couldn't love Kobayashi Ceramics. :beer
Wasn't he Verbal Kint's chauffeur?
by bertilak
Fri Sep 08, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12537

Re: Florida Hurricanes: When and where to go?

<snip> The developer had blocked all the street drains with tar paper and chicken wire to keep out construction debris and that caused a bit of flooding -- right up to our door sills. Seems that the developer should have had the foresight and common sense to uncover and clear the drains before an i...
by bertilak
Fri Sep 08, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8396

Re: When calculating net worth, how do you value your house?

cadreamer2015 wrote:
Wed Sep 06, 2017 8:30 am
I don't usually think much about the value of my house in a net worth calculation - we've got to live somewhere.
I offset the equity in my home by the need for a place to live. Perfect balance!
by bertilak
Fri Sep 08, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12537

Re: Florida Hurricanes: When and where to go?

I rode out a category 1 storm, and felt very unsafe when the windows were rattling and barrel tiles were falling off the neighboring structure. I went through a Florida hurricane in '94 or '95. It was a new house and very well built -- concrete and steel -- as were all the other nearby houses. The ...
by bertilak
Thu Sep 07, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23402

Re: Name something you had to have and now you regret purchasing it?

bob60014 wrote:
Tue Sep 05, 2017 4:20 pm
Back in the day, a Pet Rock.
Too much upkeep?
by bertilak
Thu Sep 07, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9426

Re: Companies/Brands You Love?

I'll give a shout-out to Yardley's Oatmeal & Almond Bath Soap. Smells great and, as the package says "Gently Exfoliates" (with the emphasis on "Gently."
by bertilak
Wed Sep 06, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2017

Re: Dealing With Inherited Investments

...I recently went through this with my mother's broker. I told him to liquidate all holdings into a cash position and then do the TOD. Glassy smooth though it took him a month to get it all done. I would check the fees the brokerage house charges before doing this. The last I looked, my stepmother...
by bertilak
Wed Sep 06, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7368

Re: Postal Service -- "informed delivery"

Something that disappoints me... When looking at the upcoming mail, I am often disappointed that there is no delete button or check box next to each one. It would vaporize the mail wherever it happens to be in the delivery process. I can picture the mail truck driving down the street with firecracke...
by bertilak
Wed Sep 06, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7368

Re: Postal Service -- "informed delivery"

denovo wrote:
Wed Sep 06, 2017 6:16 am
For those of you who have already signed up, do you see the copies of all the mail sent to your address , or just those addressed to you, the person who signed up?
Everyone at the address.
by bertilak
Wed Sep 06, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7368

Re: Postal Service -- "informed delivery"

Signed up for this 2-3 weeks ago when the thread started, it says I'm registered with correct email, and have never received anything. YMMV. Don't get your hopes up. What happens when you go to https://informeddelivery.usps.com ? That's where the scans of the mail are shown. (If nothing shows up fo...
by bertilak
Tue Sep 05, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3735

Re: Did Charmin UltraSoft TP become "UltraThin"?

In 2014 I spent $25,000 :( to install a new, engineered, septic system. The engineer specified the use of Scott 1000 TP because it was better tolerated septic systems. I wasn't sure so did an experiment. I did the same thing for each of to two different TP brands, Scott 1000 and some other brand (pr...
by bertilak
Tue Sep 05, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor
Replies: 22
Views: 1954

Re: Vanguard Personal Advisor

Christine_NM wrote:
Mon Sep 04, 2017 10:41 pm
money is like soap, the more you handle it, the less you have.
Good one. It also makes me think of it popping right out of your hand when wet!
by bertilak
Tue Sep 05, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3501

Re: How do you track expenses ?

Quicken.
by bertilak
Mon Sep 04, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2017

Re: Dealing With Inherited Investments

NotWhoYouThink wrote:
Mon Sep 04, 2017 11:09 am
Why are you not planning to liquidate the BSHPRA?
Because I don't know how -- It doesn't have a price. Perhaps it is completely illiquid or perhaps there is a big penalty. I'm pretty sure there is a way, but without investigating I don't know if that is the wisest thing to do. So, no plan -- yet.
by bertilak
Mon Sep 04, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2017

Re: Dealing With Inherited Investments

livesoft wrote:
Mon Sep 04, 2017 9:58 am
I'd do the same thing, but use my IPS.

I have told my heirs to do the same thing as well.
OK, you made me look. I had a typo: ISP for IPS. Updating ...
by bertilak
Mon Sep 04, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2017

Re: Dealing With Inherited Investments

I am about to inherit some investments. They are "Transfer on Death" except for a small IRA of which I am the beneficiary. I recently went through this with my mother's broker. I told him to liquidate all holdings into a cash position and then do the TOD. Glassy smooth though it took him a month to...
by bertilak
Mon Sep 04, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6826

Re: Crashplan for Home ending service late 2018

BogleMelon wrote:
Mon Sep 04, 2017 7:23 am
Should i have to own a business to be allowed to buy CrashPlan Business subscription?
Nope. Unless you want to be ale to manage multiple users from one control panel I don't think there is much difference between the home version (now discontinued) and the business (aka pro) version.
by bertilak
Sun Sep 03, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2017

Re: Dealing With Inherited Investments

Googling for "stock BSHPRA" found a bloomberg page that listed the correct name. Googling for "BRE Select Hotels Corp" led me to a site with an Investor relations page, including download links for recent financial statements . Also, there are some SEC filings available here . Thanks Uniballer. All...
by bertilak
Sun Sep 03, 2017 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: There are many roads to ... Baile Átha Cliath? [Dublin...]
Replies: 3
Views: 519

Re: There are many roads to ... Baile Átha Cliath? [Dublin...]

restingonmylaurels wrote:
Sun Sep 03, 2017 4:35 am
I can most assuredly testify from daily experience that there are a limited number of roads to Dublin ...
I guess it depends on where you are starting from (anywhere) as much as where you are going to (Dublin)!
by bertilak
Sun Sep 03, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2017

Dealing With Inherited Investments

I am about to inherit some investments. They are "Transfer on Death" except for a small IRA of which I am the beneficiary. I don't want to keep any of the investments themselves. Please comment on my plan, ignoring the IRA for now. I will... wait until the TOD is complete and the cost basis for ever...
by bertilak
Sat Sep 02, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 820992

Re: What Book Are You Currently Reading? Part VI

Jane Austin sets the tone with her first sentence: It is a truth universally acknowledged, that a single man in possession of a good fortune, must be in want of a wife. and does an admirable job of developing characters to play off of that. The women-folk apparently have a stronger belief in that s...
by bertilak
Sat Sep 02, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 820992

Re: What Book Are You Currently Reading? Part VI

The Moving Toyshop by Edmund Crispin. ... two of the characters play ... a game called "Detestable Characters in Fiction (that the author intended to be sympathetic)." Some of the their list: Those vulgar little man-hunting minxes in Pride and Prejudice So, I have embarked on Pride and Prejudice . ...
by bertilak
Sat Sep 02, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 820992

Re: What Book Are You Currently Reading? Part VI

The Moving Toyshop by Edmund Crispin. ... two of the characters play ... a game called "Detestable Characters in Fiction (that the author intended to be sympathetic)." Some of the their list: Those vulgar little man-hunting minxes in Pride and Prejudice So, I have embarked on Pride and Prejudice . ...