Search found 5838 matches

by bertilak
Sun May 20, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 64
Views: 2609

Re: Road trip Newark NJ to Albany

It's a but touristy, but Howe Caverns are close to Albany. Smaller kids? Catskill Game Farm. I've done those with my parents when I was a kid,and then again with our grandkids. You might consider flying into Albany and taking the round trip by car from there. Depends on fares/rental cost/schedule b...
by bertilak
Sat May 19, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2494

Re: Having trouble figuring out expected expenses in retirement

We also live in a clay-soil area. Many properties are grandfathered that wouldn't pass the perc test today. That might even be true for ours. We are within the Chesapeake Bay critical area which makes it even tougher. I keep my fingers crossed that our system holds together long enough for us to ex...
by bertilak
Sat May 19, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2494

Re: Having trouble figuring out expected expenses in retirement

Normally I would expect a properly installed and properly used septic system to last much longer than 10 years. As I said, it was under-designed. It was designed as if it were in "sandy loam" but the soil was actually "massive clay" (official designation). It required the complete replacement of a ...
by bertilak
Sat May 19, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2494

Re: Having trouble figuring out expected expenses in retirement

Even if the mortgage is paid off, you still need to pay property tax and maintain the house. The housing expense will not be zero. I am retired with mortgage paid off. Fairly recent non-recurring home maintenance expenses: $25K Septic system replacement $13K HVAC replacement $9K Exterior (paint, do...
by bertilak
Sat May 19, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Good read on why to keep a simple indexed fund portfolio
Replies: 11
Views: 2047

Re: Good read on why to keep a simple indexed fund portfolio

Thanks for that. I have an Investment Policy Statement, the main purpose of which is to give guidance to heirs. It includes guidance on portfolio make-up strongly recommending a simple set of index funds. My justification for this was not nearly as clear and convincing as that article. I saved it as...
by bertilak
Wed May 16, 2018 6:26 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8868

Re: The front page is ugly

... All the OP is asking for is for the front page to be consistent with the professionalism of the sub-form pages. ... Then might I suggest the OP load this as his bookmarked link: www.bogleheads.org/forum/search.php?search_id=active_topics +1 That's what I use. I wasn't aware of that page and at ...
by bertilak
Wed May 16, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2560

Re: Any experience with Blue Apron?

FlyAF wrote:
Tue May 15, 2018 10:13 am
It's worth trying, cancelling is easy.
That would be my summary. We tried it, liked the results, but ended up cancelling. It was too time consuming. One can make one's own healthy meals more easily. Plus, it pins you down. When you get the delivery it pins you down even if you have other plans.
by bertilak
Tue May 15, 2018 6:12 am
Forum: Personal Consumer Issues
Topic: Moving Books
Replies: 7
Views: 624

Re: Moving Books

When I moved, my books were packed in cardboard "book boxes." These were no different from other cardboard moving boxes other than being a convenient size. The boxes were carefully sealed with clear packing tape. The move took almost a year while the house was being built. During this time the boxes...
by bertilak
Mon May 14, 2018 3:25 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8868

Re: The front page is ugly

I use the forum index page (https://www.bogleheads.org/forum/index.php) as my entry to bogleheads.org. IMHO the problem with the official entry page (https://www.bogleheads.org/) is that the posts are all jumbled together with no organization. Don't tell me that it is organized by time of last post....
by bertilak
Mon May 14, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1675

Re: Why are Vanguard and Fidelity more picky than banks about middle names?

It my not be a matter of pickiness, but of consistency. When moving money between accounts it is often expected that the accounts will be registered with the exact same name. If they do not match, there is a form often called a "One and the Same Certificate." This form is specific to the institution...
by bertilak
Sat May 12, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931570

Re: What Book Are You Currently Reading? Part VI

Rebecca (1938) by Daphne du Maurier A character-driven, Gothic-like, mystery-thriller involving a rich man, his new working-class wife, and the circumstances surrounding the recent death of the man’s first wife, Rebecca. The sinister housekeeper Mrs. Danvers keeps everyone on their toes. The large ...
by bertilak
Sat May 12, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931570

Re: What Book Are You Currently Reading? Part VI

Don’t Look Now and Other Stories (1952 – 1976) by Daphne du Maurier Stories included: Don’t Look Now The Apple Tree The Pool The Blue Lenses Kiss Me Again, Stranger The Chamois Not After Midnight The Old Man The Birds Daphne du Maurier is very inventive. These stories are all quite different, demon...
by bertilak
Wed May 09, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5276

Re: What's the view on dogs running free?

We always carry mace and/or rocks when we go running/walking/biking. Had too many encounters with dogs running loose or owners intentionally letting them off their leashes. I used a big stick. Some people moved in along my running route. They had a dog that started out barking at me from the porch ...
by bertilak
Tue May 08, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16026

Re: most compelling TV character ever

ralph124cf wrote:
Tue May 08, 2018 7:24 pm
Matt Dillon.

OK, I'm showing my age.

Ralph
Re Matt Dillon: Miss Kitty Russell (Amanda Blake) also had a commanding presence. Perhaps I was impressed by a woman who ran a brothel -- right on TV! Although that was not made explicit, I could tell even at my tender age.
by bertilak
Tue May 08, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 10
Views: 647

Re: Medicare enrollment-Part B only

I signed up for Medicare Part A last year when I was 65. I'm still working and covered under employer's plan. But now I want to sign up for Part B. I got a form postcard from Medicare in the mail a few months back asking if I "wanted to register for Medicare" (I have to assume that it referred to P...
by bertilak
Tue May 08, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16026

Re: most compelling TV character ever

Off the top of my head... Christopher Foyle in Foyle's War (Michael Kitchen) Al Swearengen in Deadwood (Ian McShane, also in Lovejoy) Walter White in Breaking Bad (Bryon Cranston) Tony Soprano in The Sopranos (James Gandolfini) Pairs: Jim Rockford and Angel Martin in The Rockford Files (James Garner...
by bertilak
Tue May 08, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Stick with E*Trade or move to Vanguard?
Replies: 15
Views: 1411

Re: Stick with E*Trade or move to Vanguard?

I guess it depends. Do you want to trade or invest?
by bertilak
Mon May 07, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Am I the Only One That Has Trouble Reading the Vanguard Online Entries
Replies: 6
Views: 850

Re: Am I the Only One That Has Trouble Reading the Vanguard Online Entries

Here is how I think it works ... Look at the balances and holdings page for an account. There is an "available balance" number. Under that there is a breakdown of what that balance consists of. It has two components: Vanguard Federal Money Market Fund (Settlement fund), and Total credits and debits....
by bertilak
Mon May 07, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6109

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

So that pretty much says the target date funds I am aware of are doing it all wrong. DFA in their target date funds (TDFs) are basically following the separation property. Once the investor is about age 50 the TDF funds ditch nominal bond funds and replace them with ST & LT TIPS funds that roughly ...
by bertilak
Mon May 07, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4360

Re: AMC Movie Theaters -- typical OR not?

rgs92 wrote:
Mon May 07, 2018 11:45 am
I find movie-theater sound way too loud.
I find it overly loud as well, but the quality of the sound is hard to beat.
by bertilak
Mon May 07, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6109

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

nisiprius wrote:
Mon May 07, 2018 10:42 am
Bertilak, I didn't understand that, either, but see camontgo's illustrations, above, "Why do you need more dimensions for more assets?"
Looks like a scatter chart to me. Doesn't seem to point to any optimal allocation.
by bertilak
Mon May 07, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6109

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Tobin is saying don't do that. There are combinations of risky assets that are best or nearly the best and everybody should hold those risky assets in the same proportions for the growth portion of their portfolio. Reduce risk, not by picking different risky assets and different mixes of risky asse...
by bertilak
Mon May 07, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6109

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

I intentionally left out discussion of more than two risky assets to focus on the main idea. I believe (if) it all applies to "n" risky assets, the diagram would then be n-dimensional , but the math to establish the shape and tangent point could be extended even if that was beyond my math skills! Y...
by bertilak
Mon May 07, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4360

Re: AMC Movie Theaters -- typical OR not?

OP likely did not realize the other amenities in such a theater. AMC has been implementing these throughout the country. Originally called AMC Prime and later the name changed to Doubly Cinema. It is the whole package and what OP likely experienced. I can tell based on the reclining leather seating...
by bertilak
Mon May 07, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6109

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

In answer to the question in my previous post... Yes that is one purpose of the separation property, but there can be more than two risky assets. What that means is that everyone who picks the same surrogate for the risk-free asset and holds the same risky assets, and has the same expectations for t...
by bertilak
Mon May 07, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6109

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Please indulge a question or two to help me understand. Is the PURPOSE of that as-yet-unnamed diagram to establish the "best" ratio (AA) between two assets in a risky portfolio? Once we have established that AA, do we use it to construct our risky portfolio and then use other criteria to decide how ...
by bertilak
Sun May 06, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 1313

Re: Tea supplier comparison

I second the recommendation for Upton Tea. I'll second that second. HUGE selection of lose leaf teas. also some educational material to help you understand it all. https://secure.uptontea.com/store/home.asp Their Tea Quarterly/Catalog is available online: https://www.uptontea.com/tea-quarterly/a/te...
by bertilak
Sun May 06, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4360

Re: AMC Movie Theaters -- typical OR not?

Thanks all for the input. It is interesting to see how the movie business is reacting to the new reality: in-home entertainment with larger screens, more choices and more convenient access to content, etc.. Now all they need to do is come up with better movies! Most of the popular movies seem to be ...
by bertilak
Sat May 05, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4360

AMC Movie Theaters -- typical OR not?

It has been many years since I have been in a movie theater but we were visiting my daughter and she really wanted us to go with her to see a specific movie, so we went. The movie was playing in an AMC theater and I was pleasantly surprise how nice the theater was: limited seating so not many people...
by bertilak
Fri May 04, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Are bonus and equity pro-rated at lay off?
Replies: 16
Views: 1559

Re: Are bonus and equity pro-rated at lay off?

When I retired, my bonus for the year I retired was pro-rated.
by bertilak
Thu May 03, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: What Bond Funds Do You Use Other Than Total Bond Market??
Replies: 10
Views: 1187

Re: What Bond Funds Do You Use Other Than Total Bond Market??

Did some Tax-Loss-Harvesting recently by selling TBM index (VBTLX) and replacing it with intermediate term bond index (VBILX).
by bertilak
Sat Apr 28, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1441

Re: Bee in the house - what to do???

Don't worry about just open the closet door and let it be... Bees aren't harmful. Right. We called a professional apiary because we thought a swarm of bees had decided to make a home in our compost container. The bee expert calmly lifted the top of the container and even reached inside to rummage a...
by bertilak
Fri Apr 27, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2771

Re: Ikea Quality

If IKEA is too much of a drive you might want to check places like Target that are likely closer to home. Most of their stuff is "flat pack" like IKEA. I needed some shelving and just happened to notice something in Target that worked for me. I didn't want to muscle the big, heavy, awkward, box into...
by bertilak
Thu Apr 26, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4963

Re: AAA? What to do in car emergencies?

CurlyDave wrote:
Thu Apr 26, 2018 12:26 pm
I usually carry a small air compressor just to inflate the donut spare if I even need it. Get one that fits in the spare tire well with the donut spare...
I carry my AAA card instead. Fits in my wallet!
by bertilak
Thu Apr 26, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 1381

Re: Allocation Debate - consider all accounts as one?

There are TWO things to consider: Asset Allocation -- how much of each asset class to hold, generally expressed as a percentage of the whole . (You ARE holding the whole amount no matter where.) Asset Location -- which assets are in which accounts. There are several considerations. It is not always ...
by bertilak
Wed Apr 25, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4963

Re: AAA? What to do in car emergencies?

I feel fairly certain that the jumper cables and air compressor are of low quality if the kit was a dealer add on that was included with the car. Notice that I said "decent," not "exceptional," quality. Sadly, no air compressor but the car has one of those mini spares that won't be flat when you ne...
by bertilak
Tue Apr 24, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2800

Re: Dividend fund in taxable account during retirement, yea or nay?

Whatever taxes are owed, are owed when the dividends are generated not when they are spent or withdrawn from the portfolio. Any reasonably diversified portfolio is going to spit out dividends. If you need the money for expenses you should spend those dividends. Reinvesting and then selling (in the q...
by bertilak
Sun Apr 22, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4963

Re: AAA? What to do in car emergencies?

If a car is on fire, any part of it. Get away to a safe location. Call 911. The car can be replaced. Injury by fire or explosion cannot. The fumes and smoke from a car fire are extremely toxic. This from a close friend who is a retired fire captain. aloha j Right. Thus my question, which basically ...
by bertilak
Sun Apr 22, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4963

Re: AAA? What to do in car emergencies?

I would spend around $130 and pack the following: Long jumper cables a car battery powered air pump warning triangles a few flashing magnetic beacons a fire extinguisher All of those things except the fire extinguisher came with my car. The kit was an extra cost item my dealer included with the car...
by bertilak
Sun Apr 22, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9272

Re: Boglehead Philosophy Open To Change?

My philosophy and its implementation will not provide the highest possible return, or even the highest expected return. But they do and will provide me with a financial stress-free adequately-funded retirement. Excellent way of looking at things! So often I read here (and elsewhere) detailed mathem...
by bertilak
Sun Apr 22, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4963

Re: AAA? What to do in car emergencies?

Any auto insurance company worth its salt offers roadside assistance for a fraction of the cost of the AAA. The only "catch" some people may have to keep in mind - at least with my insurance company - is that comp & collision are required to buy roadside assistance. Until this year, we've driven ol...
by bertilak
Sun Apr 22, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4963

Re: AAA? What to do in car emergencies?

First off, I am sorry for your loss. I am a single female and have had AAA for years. I use the service at least once a year, usually for a flat tire. You can get the premium version which gives you more towing mileage, but I just have the regular which costs $50-60/year because I typically don't d...
by bertilak
Sun Apr 22, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: The Limits of Modern Portfolio Theory - Do Investors Understand What They Own?
Replies: 16
Views: 2031

Re: The Limits of Modern Portfolio Theory - Do Investors Understand What They Own?

I see indexes as a measure of stock returns, not a driver of them.

Companies still "make money the old-fashioned way: They earn it.” Ref John Houseman for Smith Barney circa 1979.
by bertilak
Sun Apr 22, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9272

Re: Boglehead Philosophy Open To Change?

If the Boglehead Philosophy is open to change? I have 2 suggestions: (I have nothing to gain from this but the Bogleheads do). 1). I would like to see more of a emphasis put on FIRE. I see this as the wave of the future, especially for millennials. 2). The FIRE community is using dividend index fun...
by bertilak
Fri Apr 20, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Rinnai vs Rheem vs other tankless water heaters
Replies: 2
Views: 433

Re: Rinnai vs Rheem vs other tankless water heaters

I've had a Rinnai (same one) for 11 years now. No complaints. Please note: It should take no more nor less time for hot water to get from the heater, through the pipes and to its destination than from a conventional tank heater. Once the water is heated, the heater is out of the picture. What it doe...
by bertilak
Fri Apr 20, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 24
Views: 4657

Re: How much is too much in a Fidelity or VG account?

I check monthly statements online but don't save them. Maybe I should. :wink: I download and save the PDFs every month. Yes, it is a bit of a pain. The pain comes because Vanguard downloads all get the same file name so I have to rename each file. This involves coming up with and sticking to a nami...
by bertilak
Wed Apr 18, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: How accurately can we measure INFLATION?
Replies: 89
Views: 4008

Re: How accurately can we measure INFLATION?

I think it all depends on how accurately (and precisely) you can define it.
by bertilak
Tue Apr 17, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: What to do with gifted individual losers and gainers?
Replies: 14
Views: 944

Re: What to do with gifted individual losers and gainers?

A few years ago we were gifted GE and Merck ($5000 cumulative loss right now) and McDonald's, Nike, Coca Cola, and Disney. Until now we haven't put much thought in our strategy, but we're reorganizing and getting into index funds and fixed income. The dividend checks from the latter four have been ...
by bertilak
Tue Apr 17, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931570

Re: What Book Are You Currently Reading? Part VI

Three quarters of the way through "Pride and Prejudice". Enjoyed the movie with Ms. Keira Knightly and Donald Southerland, liking the book less. I gave up on it part way through. For some reason I simply could not make myself care about ANY of the characters so curiosity did not drive me forward. B...
by bertilak
Sun Apr 15, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1004187

Re: What Movie Have You Recently Watched?

Now watching the series Endeavour . This is a prequel to the Inspector Morse series. There is also a sequel: Inspecgor Lewis . The story timeline goes like this: Endeavour has DI Thursday with sidekick DC Endeavour Morse. Inspector Morse has DCI Morse with sidekick DS Robert Lewis. Inspector Lewis h...