Search found 6815 matches

by bertilak
Sun Nov 17, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 10
Views: 484

Re: Good DNS to use?

Don't know if they're authoritative, but these guys like centurylink: https://www.techjunkie.com/free-dns-servers Here is an article about dns testing. https://mobile.serverwatch.com/server-tutorials/two-tools-for-testing-dns-server-speeds.html I’ve used the GRC one. I just ran that and it says "Sy...
by bertilak
Sun Nov 17, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 10
Views: 484

Good DNS to use?

I know I can Google it and find several alternate DNS servers, I found a post here on BH recommending 1.1.1.1 and 1.0.0.1. Of course there are Google's servers, OpenDNS, and other popular DNS servers. BUT -- I wonder if any tech-savvy BHer has any advice or should I go with any of the popular ones t...
by bertilak
Sun Nov 17, 2019 7:27 am
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3008

Re: 50/50 to 45/55

Your point makes no sense. I mean you could also say that you have a 500k portfolio of 100% bonds with 500k of “extra stuff”, so everyone with some bonds already has an all bonds portfolio. Obviously this realization makes your portfolio no different, so not sure what it proves besides some mental ...
by bertilak
Sat Nov 16, 2019 6:19 pm
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3008

Re: 50/50 to 45/55

An insight: 50/50 contains 45/55 as a subset so, with 50/50, you alread y have a 45/55 (or any other finely-tuned) AA. The 45/55 subset by itself is 95% of the whole. Is that big enough for you? If so, those extra bonds can't hurt. They are just a bit of a bonus income. I don't understand this - pl...
by bertilak
Sat Nov 16, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 782

Re: Vanguard CSV files for account transactions ?

Wouldn't it be easier to use VLOOKUP when you're just looking for a single value, as in your first example? Not sure. It's been a while since I came up with this. There is a complication in that I have multiple accounts, many having some of the same assets (tickers). I'm not sure if VLOOKUP can han...
by bertilak
Sat Nov 16, 2019 11:28 am
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3008

Re: 50/50 to 45/55

An insight:

50/50 contains 45/55 as a subset so, with 50/50, you already have a 45/55 (or any other finely-tuned) AA.

The 45/55 subset by itself is 95% of the whole. Is that big enough for you? If so, those extra bonds can't hurt. They are just a bit of a bonus income.
by bertilak
Sat Nov 16, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 782

Re: Vanguard CSV files for account transactions ?

I dump the CSV download into a sheet for raw data and select from that to put selected data into other sheets. I use a combination of two spreadsheet functions to get the data: INDEX and MATCH. These are found at ... Formulas tab, Lookup & Reference Here is a formula to grab a price quote given a ti...
by bertilak
Fri Nov 15, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 782

Re: Vanguard CSV files for account transactions ?

JohnFiscal wrote:
Thu Nov 14, 2019 11:52 am
Does the "new" "brokerage" account system provide the ability to download to CSV file format?
Yes. I use it all the time to keep my spreadsheet up to date.

Can't say anything about the old MF-type account.
by bertilak
Fri Nov 15, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2063

Re: for all the talk - do we really need to rebalance that often? at all?

I am not a fan of active rebalancing. By "active" I mean selling one asset to buy another. Normal cash flow (new money -- if any -- reinvesting dividends, paying expenses) is enough to keep things on track, or close enough to it, if done thoughtfully. An AA is somewhat arbitrary to begin with so it'...
by bertilak
Fri Nov 15, 2019 11:05 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's Retirement book is #1 in WSJ listing
Replies: 13
Views: 2139

Re: Larry Swedroe's Retirement book is #1 in WSJ listing

Thanks Mel, and as I hope all Bogleheads know, I'm always happy to answer questions from readers. Just email me at lswedroe@bamadvisor.com. That's the second time the WSJ has chosen one of my books as one of the best of the year. The first time was my first book! Best wishes Larry I looked over the...
by bertilak
Fri Nov 15, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 74
Views: 5310

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

JoMoney wrote:
Fri Nov 15, 2019 9:04 am
Maybe it's the Boomer's
Go ahead. Blame the Boomers. We can take it.
by bertilak
Thu Nov 14, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4799

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Fire extinguishers are kind of fun, because when it's time to replace them, after I put in the new, I always test-fire the ones I'm discarding. So, have you come up with any fun things to do? Definition of fun: exciting spectacular clever unexpected results approaching dangerous I have a very old f...
by bertilak
Thu Nov 14, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2633
Views: 1713723

Re: The Three-Fund Portfolio - is it for me?

New member here -someone suggested this forum so I started reading from the beginning. Been overwhelmed a bit so I thought I'd throw out a question before getting in too deep (or buying the book). I'm a couple of years from retiring, managing IRAs (with Vanguard) and sitting on about $500k of cash ...
by bertilak
Thu Nov 14, 2019 10:16 am
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 4745

Re: How to combine finances with your spouse? Recently married/early30s

It sounds like your protecting your savings while you test out the waters? If your not comfortable putting his name on the account to, don’t get married. Couples today often approach marriage in a much different way. High divorce rates can make this a reasonable approach if both agree. Not how we d...
by bertilak
Wed Nov 13, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4115
Views: 1174350

Re: What Book Are You Currently Reading? Part VI

Having just finished Richard Russo's Chances Are ..., I'm now reading his Empire Falls . It's very enjoyable. Be sure to read his earlier work, which I prefer. Best to start with Nobody's Fool . There was a movie of the same name made from this starring Paul Newman. This is also very good. I read t...
by bertilak
Tue Nov 12, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4799

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Ron wrote:
Tue Nov 12, 2019 5:22 pm
bertilak wrote:
Tue Nov 12, 2019 9:45 am
I always wait until the detectors themselves start giving the low battery intermittent beep. This always happens at 2 AM!
For a lot a tiny minority of the population, 2 am is not a problem.
There. I fixed that for you!

Although I admit a tiny minority can still be a lot of people.
by bertilak
Tue Nov 12, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4799

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I always wait until the detectors themselves start giving the low battery intermittent beep. This always happens at 2 AM! This is a downside to waiting until they chirp, they do tend to do it in the middle of the night. A little excitement is good for you! Oh yeah. I just learned something about my...
by bertilak
Tue Nov 12, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4799

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I always wait until the detectors themselves start giving the low battery intermittent beep. This always happens at 2 AM! I have 5 detectors in the house and if any one indicates low battery I replace all the batteries. I put the date on the new batteries with a magic marker. I read a reason WHY the...
by bertilak
Mon Nov 11, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 10196

Re: Timeshare offer experience

I still remember a Playboy Resort timeshare presentation we went to many years ago -- late '70s. (MY wife and I went to a bunch of such presentations as a kind of hobby for a while.) I did NOT feel cheated in any way. The place was beautiful and the prices were reasonable (just way out of our ballpa...
by bertilak
Mon Nov 11, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Has Vanguard changed the $250 min Checks?
Replies: 8
Views: 1206

Re: Has Vanguard changed the $250 min Checks?

Not so fast. Whoa, Nellie If you look in the VG website "glossary", and go the letter c in alphabet, this is what it says if you click on "checkwriting redemption" checkwriting redemption (CWR) A check drawn upon a Vanguard client’s account in an amount of at least $250. Only money market or bond f...
by bertilak
Mon Nov 11, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Doing your own taxes and finding errors from past preparer and company!
Replies: 15
Views: 792

Re: Doing your own taxes and finding errors from past preparer and company!

You can probably get things corrected easily by contacting the IRS (or other agency involved) and asking about it. I didn't do my own taxes last year but found a tax preparer's error anyway. The error bumped me into a massive Medicare "Income-Related Monthly Adjustment Amount" (IRMAA) and that got m...
by bertilak
Sun Nov 10, 2019 2:15 pm
Forum: Personal Investments
Topic: Vanguard Website Down (Personal Investor Account Overview)
Replies: 5
Views: 455

Re: Vanguard Website Down (Personal Investor Account Overview)

Is anyone else experiencing issues with VG Personal Investor website today? It allows me to login but when I select "Account Overview" (or any other tab under accounts) it redirects me to a page that says: "We're sorry. The page you requested could not be found. If you used a bookmark or a favorite...
by bertilak
Wed Nov 06, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4558

Re: Best month to take RMDs?

Not as you describe. As an example, assuming you just started your RMDs and defer dividends. Only 4% of those deferred dividends will come out as RMDs in each of the following several years. Sure you will eventually pay tax on those deferred dividends, but you will still benefit from many years of ...
by bertilak
Wed Nov 06, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4558

Re: Best month to take RMDs?

If you reinvest the money it doesn't matter when you take the RMD. Forgetting capital appreciation for simplification, say your RMD is earning x% in dividends. If you take the RMD in January then most of the dividends will be taxed. If you delay the RMD until end of year, most dividends remain tax ...
by bertilak
Wed Nov 06, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4558

Re: Best month to take RMDs?

No one actually answered my question about how to identify the the month with the highest average DJIA value over all past years, or over a specified range of past years. Although no month can be assured as the best for market timing, I am sure my question would lead to one specific month over all ...
by bertilak
Wed Nov 06, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4558

Re: Best month to take RMDs?

fourwheelcycle wrote:
Wed Nov 06, 2019 10:38 am
I hate to wrap my brain around RMDs more than once each year.
I do it in January just so I can forget about it. I don't worry about maximizing returns because I am simply going to reinvest the RMD.
by bertilak
Wed Nov 06, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 1862

Re: What car fits comfortably 3 adults with luggages?

SInce this appears to be a one-shot deal, pay for something big and comfortable. Their first experience should not be a big frustration.
by bertilak
Tue Nov 05, 2019 5:35 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3648

Re: Vanguard suggesting I move to ETF's

My "Personal" advisor at Vanguard is recommending I move from my mutual funds to ETF's citing more control and lower ER's. They have a side by side comparison on their home screen. I have a little over $1m in mutuals right now. Any red flags besides the fact that I can't go back to mutual funds lat...
by bertilak
Tue Nov 05, 2019 4:40 pm
Forum: Personal Investments
Topic: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?
Replies: 11
Views: 565

Re: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?

jules wrote:
Tue Nov 05, 2019 3:29 pm
There is a certain satisfaction that comes from using the profits on an individual stock ...


Can you see the hidden assumption there?
by bertilak
Tue Nov 05, 2019 9:23 am
Forum: Personal Investments
Topic: Do you consider pensions as part of your overall asset allocation?
Replies: 67
Views: 5054

Re: Do you consider pensions as part of your overall asset allocation?

My asset allocation (AA) is for investments which I see as providing what I need above and beyond pension (and SS). So, no, I don't consider pension (and SS) part of my AA. Those come before investing, thus before where an AA decision is needed. That said, The amount I need my investments to provide...
by bertilak
Mon Nov 04, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1554
Views: 166274

Re: [What TV Show Have You Recently Watched?]

Just watched the very first Perry Mason. 1957. The show was very good. It's not your typical crime show from that period, for example no fistfights, etc. (at least in this episode). Perry gets the job done through clever manipulation of the bad guys and the police who try to implicate his (innocent,...
by bertilak
Mon Nov 04, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8203

Re: Wallets [Do you carry a wallet?]

bertilak wrote:
Sat Nov 02, 2019 5:34 pm
I hunted around and found this one: https://www.amazon.com/gp/product/B07MT9Z6RF/
Yikes! I paid $24.99. It is now listed as $20.99 with a one-day deal at $9.34!

I say "snatch it up!"
by bertilak
Mon Nov 04, 2019 10:15 am
Forum: Personal Investments
Topic: How much money is really needed in retirement?
Replies: 74
Views: 9172

Re: How much money is really needed in retirement?

Lots of good points made above. One point on housing costs: If your house is paid off, yes, your mortgage expenses will be eliminated (but not your taxes nor insurance). What will go up after 30 years may be maintenance and upkeep: new roof, new HVAC, new driveway, new septic system, new paint, new ...
by bertilak
Sat Nov 02, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8203

Re: Wallets [Do you carry a wallet?]

I love my minimalist wallet(s). I have tried a few of them - amazingly, the cheapest and simplest one works the best for me, although to be fair, all of them are good. https://www.amazon.com/gp/product/B072HKS4JK/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 Says "currently unavailable." I hunted...
by bertilak
Thu Oct 31, 2019 2:18 pm
Forum: Personal Investments
Topic: Quick RMD Question
Replies: 14
Views: 1737

Re: Quick RMD Question

kaneohe wrote:
Thu Oct 31, 2019 2:11 pm
If you wait till the following April, in addition to paying 2 RMDs that yr, the 2nd RMD will be a bit larger than it would have been
since the IRA had not been depleted of the first RMD by 12/31/24.
Yes, good point.

Also, that 2nd RMD might be in a higher tax bracket.
by bertilak
Thu Oct 31, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4115
Views: 1174350

Re: What Book Are You Currently Reading? Part VI

Falling Felines and Fundamental Physics (2019) by Gregory Gbur Cats land on their feet, but how? This book explains it in about 300 pages! The full explanation is rather complex. For example, how do cats know which way is up? Einstein's special theory of relativity says that in free fall there is n...
by bertilak
Thu Oct 31, 2019 6:22 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2633
Views: 1713723

Re: The Three-Fund Portfolio

Hi all 2 questions 1) whats everyones take on using Wellington + Total stock market as an adjustment to the 3 fund portfolio- given that Wellington has a 65/35 stock/bond split and has about 10% international in there. i am considering this combo in my i401k only because wellington has historically...
by bertilak
Wed Oct 30, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4306

Re: New Computer with or without SSD?

Large software systems are fantastically complex. Also, when you consider the hardware and it's firmware, 3rd party device drivers, the network systems involved and all the resulting interdependencies it can be hard or impossible to assign blame for failures. Much of that list is NOT the responsibi...
by bertilak
Wed Oct 30, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4115
Views: 1174350

Re: What Book Are You Currently Reading? Part VI

Thank you for the joke. It's funny, but it's not what stand-up is about. In stand-up, we have to develop our stage personas, find humor in our lives and observations, and deliver our jokes in such a way that it would be associated with our personas and nobody else. Victor Borge is more of a sit-dow...
by bertilak
Wed Oct 30, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4306

Re: New Computer with or without SSD?

With the end of support for Windows 7 coming in January What support do you need? Security patches. Of all the billions of computers out there, how would anybody know mine was missing said patches, let alone that there is anything worthwhile to steal? They don't know any of that. They just try 'em ...
by bertilak
Wed Oct 30, 2019 5:50 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4306

Re: New Computer with or without SSD?

atikovi wrote:
Mon Oct 28, 2019 4:22 pm
sport wrote:
Mon Oct 28, 2019 3:58 pm
With the end of support for Windows 7 coming in January
What support do you need?
Security patches.
by bertilak
Tue Oct 29, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4115
Views: 1174350

Re: What Book Are You Currently Reading? Part VI

"Mastering Stand-Up" by Stephen Rosenfield. In November, I will be taking Rosenfield's stand-up class in NYC, and this book provides an excellent preparation. Those who can't make it to New York should read it for an excellent coverage of all aspects of stand-up, including looking for humor in your...
by bertilak
Tue Oct 29, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Difficulty lnvesting a Windfall
Replies: 25
Views: 3286

Re: Difficulty lnvesting a Windfall

No matter how slowly you invest, there will come a time when it is all invested and you will then be subject to whatever is scaring you right now. The trick is to not have a scary allocation. Temper stocks with bonds at some ratio you are comfortable with, then be like Nike and "just do it." It will...
by bertilak
Mon Oct 28, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4115
Views: 1174350

Re: What Book Are You Currently Reading? Part VI

Dark Sun , Richard Rhodes sequel to The Making of the Atomic Bomb . Very good, although not as good as TMOTAB. It's incredible how successful the Soviets were in stealing nuclear secrets from a very naive USA. They were going to figure it out anyway, their stealing of our secrets just accelerated i...
by bertilak
Sun Oct 27, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50082

Re: Selling home- Demanding Buyer (Repairs)

This is a long thread which I have not gone through so my comment may be redundant. Nevertheless, here it is! A buyer's "demands" are just negotiations. You can make counter offers. I sold houses twice in the last 20+ years and had a few responses to buyer demands: OK, I will do it (or here's a few ...
by bertilak
Sun Oct 27, 2019 1:51 pm
Forum: Personal Investments
Topic: simple VS complex portfolio
Replies: 20
Views: 1493

Re: simple VS complex portfolio

A few years back I started out with the classic 3 fund portfolio dialed in to my desired asset allocation, at that particular time. As I learned more and have gotten older my asset allocation has changed somewhat as expected but my portfolio has also accumulated over a dozen additional different fu...
by bertilak
Sun Oct 27, 2019 8:33 am
Forum: Personal Investments
Topic: Benefits of Flagship Status at Vanguard?
Replies: 65
Views: 7514

Re: Benefits of Flagship Status at Vanguard?

I would like a nice Vanguard coffee mug, and would even be willing to pay for one. Go to redbubble.com and search for "vanguard mug." Most of the results are not relevant but one gets you to a Vanguard mug. It comes in two styles, tall and regular. I have bought other mugs from Redbubble and they a...
by bertilak
Sat Oct 26, 2019 10:23 am
Forum: Personal Investments
Topic: take lump-sum from pension or not?
Replies: 16
Views: 1252

Re: take lump-sum from pension or not?

Two things to consider: Do you or do you not want an annuity? I think it is best to have some income from an annuity as well as some from investments. The steady, reliable, paycheck from an annuity is nice to have, even if not inflation-indexed. In other words, I think it is probably best to have an...
by bertilak
Thu Oct 24, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5466

Re: Does the Average Homeowner Need a Water Shut Off Valve?

My water softener has both a shutoff and a bypass. I think that is common. I find the shutoff very handy. I recently had some trouble with a valve in my shower and it made repair much simpler. Otherwise I would have to go out to the street and dig up the main valve. That has an access cover but it g...