Search found 6686 matches

by bertilak
Sat Sep 14, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

Rewatching all three seasons of Detectorists , a BBC comedy which aired from 2014-17, great stuff! We borrowed the DVDs from our public library. The lives of two eccentric metal detectorists, who spend their days plodding along ploughed tracks and open fields, hoping to disturb the tedium by uneart...
by bertilak
Fri Sep 13, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard declines online broker survey
Replies: 16
Views: 1587

Re: Vanguard declines online broker survey

You have to call them [Vanguard] a bunch if you are doing anything complicated or need to no rules/fees. I just had to do something over the phone: Transfer in kind from my account and wife's account to my grown children's accounts. Transfer in kind from my account to wife's account Trying to do th...
by bertilak
Fri Sep 13, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard declines online broker survey
Replies: 16
Views: 1587

Re: Vanguard declines online broker survey

Do surveys like this focus on how good a brokerage is for stock-picking, market-timing, day trading, options etc.?

If so, that's not in Vanguard's wheel house!

For Vanguard it would be like participating in ratings of OTB web sites. And VG would get dinged for no physical store fronts.
by bertilak
Thu Sep 12, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

Really enjoy the programs on Acorn like- Wire In The Blood, Midsomer Murders, London Kills, Good Karma Hospital, The Indian Doctor, Foyles War (again), Kingdom and various documentaries. Another entertaining series currently on Acorn is Murdoch Mysteries . The stories rely on fictionalized history ...
by bertilak
Thu Sep 12, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

I'm just a few episodes into Life on Mars . No spoilers please! "Am I mad, in a coma, or back in time?" -- our protagonist's opening line. He gets hit by a car in 2006 and wakes up (?) in 1973 Manchester England, his home town. The time-travel aspect is not the major focus of the show (no theories o...
by bertilak
Tue Sep 10, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

I just finished The Hog's Back Mystery (1933) a novel by Freeman Wills Crofts, the 2015 British Library edition (Crime Classics series) ... Just finished The Santa Klaus Murders (1936) by Mavis Doriel Hay, also from the British Library of Crime Classics series. Another from the British Library of C...
by bertilak
Tue Sep 10, 2019 6:53 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Does The 4% Rule Work In Today’s Markets?
Replies: 102
Views: 7176

Re: Wade Pfau: Does The 4% Rule Work In Today’s Markets?

Are people who want annuities feeling pressure to buy an annuity because they do not have work pensions? I went to a Social Security seminar, and the speaker said that the best retirement is based on three "legs": savings, pension, and SS. It seems like an annuity at some point would be a good idea...
by bertilak
Mon Sep 09, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

It’s available on YouTube! https://youtu.be/GVEBaVFfe5A Watched it today, but I'm pretty sure It's not the Patricia Neal movie I remember. Perhaps I was mistaken about Tyrone Power. I watched a lot of late-night old movies while babysitting so it is quite likely that some of them have run together ...
by bertilak
Mon Sep 09, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

You might enjoy the comic strip "Mutts" often showing the cat, Mooch, doing these "casual" things. Also features a dog, Earl, often led astray by Mooch. One of the better animal strips. One of my regulars. My vet says not all cats move things, and although there are many theories, it's still not kn...
by bertilak
Mon Sep 09, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

Fallible wrote:
Mon Sep 09, 2019 2:48 pm
You might enjoy the comic strip "Mutts" often showing the cat, Mooch, doing these "casual" things. Also features a dog, Earl, often led astray by Mooch. One of the better animal strips.
One of my regulars.
by bertilak
Mon Sep 09, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

I think my favorite cat behavior is when they sit quietly on a table or counter and use one paw to casually push something off. A dog will push something, say an iPad, off a table with velocity and it will tumble a bit when it hits the ground. A cat will do so casually, as you say, and the iPad wil...
by bertilak
Mon Sep 09, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

Nicolas wrote:
Sun Sep 08, 2019 8:20 pm
It’s available on YouTube!
https://youtu.be/GVEBaVFfe5A
Wow, thanks! I never thought to wade through all the cat videos to look for it.

Actually, I love cat videos. I think my favorite cat behavior is when they sit quietly on a table or counter and use one paw to casually push something off.
by bertilak
Sun Sep 08, 2019 8:14 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Does The 4% Rule Work In Today’s Markets?
Replies: 102
Views: 7176

Re: Wade Pfau: Does The 4% Rule Work In Today’s Markets?

I can't assign any meaning to the statement "Does the 4% Rule Work in Today's Markets?" The rule isn't going to be used at a single point in time, it's going to be applied repeatedly over the next few decades. Did Dr. Pfau mean to say "Will the 4% Rule Work in Tomorrow's Markets?" That's what I was...
by bertilak
Sun Sep 08, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

[a poster for Breaking Point with Patricia Neal] When I was about 15 I was babysitting and watching TV all by myself -- a Patricia Neal movie. That's when I developed a crush on her. Tyrone Power was the co-star and for a while he was a hero of mine. After all, he got Patricia Neal! I just looked i...
by bertilak
Sun Sep 08, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

Watched "The Spy" on Netflix. True story of an Israeli spy in the 1960s, starring the Borat guy in a serious role. It was good. Were you able to "overcome" images of "the Borat guy" while watching him in a serious role? I've occasionally had difficulties when an actor who was "so well known" as one...
by bertilak
Sun Sep 08, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Does The 4% Rule Work In Today’s Markets?
Replies: 102
Views: 7176

Re: Wade Pfau: Does The 4% Rule Work In Today’s Markets?

What about the poor slobs who made their plans last year using the 4% rule and just now retired? Do they feel betrayed?

What advice are people hearing today that will be retracted the day they retire?
by bertilak
Sun Sep 08, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

Watched "The Spy" on Netflix. True story of an Israeli spy in the 1960s, starring the Borat guy in a serious role. It was good. Were you able to "overcome" images of "the Borat guy" while watching him in a serious role? I've occasionally had difficulties when an actor who was "so well known" as one...
by bertilak
Sun Sep 08, 2019 10:06 am
Forum: Personal Investments
Topic: Is it a right time to start invest ?
Replies: 27
Views: 2519

Re: Is it a right time to start invest ?

Hi there, I'm a newbee to this form and investing. I'm hearing a lot of noise about recession in next few months. I have recently finished reading Bogleheads guide for investors .. But I'm still asking this question .. Is it a good time to go buy some index funds or should I wait for few more month...
by bertilak
Sun Sep 08, 2019 9:58 am
Forum: Personal Investments
Topic: Is it a right time to start invest ?
Replies: 27
Views: 2519

Re: Is it a right time to start invest ?

bhsince87 wrote:
Sat Sep 07, 2019 8:32 pm
Welcome to the forum!

As they say, the best time to plant a tree (invest) was 50 years ago.

The second best time is today.
Beat me to it! A quote I like (except I say it as 20 years).
by bertilak
Sat Sep 07, 2019 6:06 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

Did your attorney explain that the complete solution to the rule against perpetuities is to establish the trust in a jurisdiction which does not have such a rule or has abolished it? In the US, Delaware or South Dakota might be a possible option. If you are elsewhere, such as the UK or Commonwealth...
by bertilak
Sat Sep 07, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

I found myself wondering if people of that era really spoke that way. I have little doubt they spoke that way. Try living in an all-male college dormitory in a middle-of-nowhere town where the drinking age (not that anyone paid much attention) was 18, and 20-below winters kept us cooped up. We used...
by bertilak
Sat Sep 07, 2019 10:59 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 654

Re: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

Is this logically different from a company holding shares of itself in its treasury? Hmm...you may have a point there, at least in an abstract sense. I'm not sure it's exactly the same, but I do see a sort of self-referential aspect to that too. But again...just 2 shares...why even bother? Perhaps ...
by bertilak
Sat Sep 07, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

I found myself wondering if people of that era really spoke that way. I have little doubt they spoke that way. Try living in an all-male college dormitory in a middle-of-nowhere town where the drinking age (not that anyone paid much attention) was 18, and 20-below winters kept us cooped up. We used...
by bertilak
Sat Sep 07, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

Being off work this summer I decided to temporarily subscribe to HBO and watch a couple highly touted series that pretty much everyone has seen but me...Game of Thrones and Deadwood. I enjoyed both but wouldn't say either would make my all time top 10 list or anything like that. I was hooked on the...
by bertilak
Fri Sep 06, 2019 7:22 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

I have seen several dynasty trusts whose only real beneficiaries are the trustees and lawyers (often the same person). I am personally familiar with a $50+ million trust which was drafted to effectively never allow distributions, for which the trustee (also the drafter) is paid 1% annually PLUS fun...
by bertilak
Fri Sep 06, 2019 7:22 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

If I wanted to establish a multigenerational trust I think it needs two goals: Growth. The value of the trust should grow over time. Disbursements to beneficiaries. Those goals conflict so I am looking for a way to balance them Invest the trust money in a 60/40 allocation and distribute 3% of its m...
by bertilak
Fri Sep 06, 2019 7:21 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

You should check your state law regarding what is called The Rule Against Perpetuities. That rule states, generally, that a trust created for the benefit of another can last only for the life in being ( the beneficiary ) plus 21 years. This prohibits multi generational trusts. https://en.wikipedia....
by bertilak
Fri Sep 06, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204976

Re: What Movie Have You Recently Watched?

abuss368 wrote:
Fri Sep 06, 2019 3:56 pm
“Neighbors” on Hulu. Enjoyed it.
Probably not the 1981 John Belushi, Dan Aykroyd one. I saw that one but not the recent Seth Rogen one.
by bertilak
Fri Sep 06, 2019 3:16 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

Until DW and I have accumulated double-digit millions (very unlikely), I believe our legacy (if we are fortunate enough to leave one) will be limited to children, grandchildren, and perhaps a faint possibility of great-grandchildren. We have, and hopefully will continue to make a difference as pare...
by bertilak
Fri Sep 06, 2019 2:35 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

I don't believe it's useful to try to stretch a trust out for generations. The idea of "no distributions until the balance catches up" could train the beneficiaries to treat any distribution as "bonus money" - not something they can count on. I suspect that would lead to treating the distributions ...
by bertilak
Fri Sep 06, 2019 2:09 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

What are the goals of the trust? The fund will stop distributing money for years after a market crash, which may be precisely the time they might need it (e.g. they lost their job in the recession) The goals are 1 and 2 above. If the trust cannot "afford" to make a distribution, well that's unfortu...
by bertilak
Fri Sep 06, 2019 2:00 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

The trustees can decide on distributions each year based on the circumstances from time to time. Most likely they would make distributions based on the needs of the beneficiaries. So it is reasonable to put a plan in place as kind of a benchmark and give the trustee freedom to be a bit creative, de...
by bertilak
Fri Sep 06, 2019 1:33 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

You probably want to distribute income annually, even if the value of the trust declines. Trust income above roughly $12,000 is taxable at the top rate, but is taxable at the recipient’s personal rate if distributed. Is that a matter of dividends from whatever the trust is invested in? Perhaps that...
by bertilak
Fri Sep 06, 2019 1:29 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Re: Multi-generational trust

What are the goals of the trust? The fund will stop distributing money for years after a market crash, which may be precisely the time they might need it (e.g. they lost their job in the recession) The goals are 1 and 2 above. If the trust cannot "afford" to make a distribution, well that's unfortu...
by bertilak
Fri Sep 06, 2019 1:22 pm
Forum: Personal Investments
Topic: Multi-generational trust
Replies: 26
Views: 1647

Multi-generational trust

If I wanted to establish a multigenerational trust I think it needs two goals: Growth. The value of the trust should grow over time. Disbursements to beneficiaries. Those goals conflict so I am looking for a way to balance them and came up with the following: At the end of each year the trust should...
by bertilak
Thu Sep 05, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

I just finished The Hog's Back Mystery (1933) a novel by Freeman Wills Crofts, the 2015 British Library edition (Crime Classics series) ... Just finished The Santa Klaus Murders (1936) by Mavis Doriel Hay, also from the British Library of Crime Classics series. Another from the British Library of C...
by bertilak
Tue Sep 03, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 58
Views: 5883

Re: Water alarm just saved me a lot of $$$. Do you have them?

We use those under sinks but the laundry room has a floor drain so water leaks will not be a problem -- unless the drain clogs! Here's a water flow chart: https://flexpvc.com/Reference/WaterFlowBasedOnPipeSize.shtml Assuming average water pressure, a standard 3/4" pipe will output about 23 gallons ...
by bertilak
Mon Sep 02, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 58
Views: 5883

Re: Water alarm just saved me a lot of $$$. Do you have them?

MarkerFM wrote:
Mon Sep 02, 2019 4:16 pm
We turn the water to washer and toilets off when leaving for an extended period.
That's a good tip!
by bertilak
Mon Sep 02, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 58
Views: 5883

Re: Water alarm just saved me a lot of $$$. Do you have them?

Two years ago, I installed water alarms next to all of our washers, hot water heaters, etc. Today, the saddle (that holds the pump on the wash machine) broke and water flooded the laundry room. Luckily, we were home but downstairs and immediately ran into the laundry room and were able to shut off ...
by bertilak
Sun Sep 01, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Several Questions re Microsoft Office 365
Replies: 6
Views: 984

Re: Several Questions re Microsoft Office 365

I can never get OneDrive to sync. I post a file to it from one device but it does not appear from another. That's a bit of a mystery. It all works fine for me, and I assume just about everyone else. Be sure all devices are actually logged on to OneDrive. Are you using the same Office account for al...
by bertilak
Sun Sep 01, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dividends This/next month
Replies: 2
Views: 1104

Re: Vanguard Dividends This/next month

I don't believe the new page is up yet. It should be up in the 10 days or so. Check the "News and Perspectives" tab on the Vanguard home page for the next announcement. Dale Thnks. I'll monitor that page. From what I can see there now there isn't much (if any) "news" but lots of "perspectives!"
by bertilak
Sat Aug 31, 2019 6:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividends This/next month
Replies: 2
Views: 1104

Vanguard Dividends This/next month

I have a link for seeing if Vanguard funds are declaring a dividend but it is out of date:
https://investornews.vanguard/upcoming- ... formation/ (Despite the link saying capital gains the linked page talks of dividends.)

Is there a page with timely information?
by bertilak
Sat Aug 31, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Electric razors
Replies: 25
Views: 2011

Re: Electric razors

Braun series 3 or 5. j Why would you not recommend their latest, the series 9? I had a series 7 which was getting a bit long in the tooth. Instead of buying a replacement head I got a new series 9. It is a bit nicer than the 7 but that might be more a matter of it being newer, not so much as being ...
by bertilak
Sat Aug 31, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: Does the US dollar mean revert?
Replies: 36
Views: 1738

Re: Does the US dollar mean revert?

What is the mean value claimed to be reverting to, precisely? The concept of mean reversion which is so crystal clear when long-run probabilities are known (e.g. flip of a fair coin) becomes about as clear as mud when discussing situations where no such long-run mean probabilities exist. Exactly. W...
by bertilak
Sat Aug 31, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Getting Ready for Windows 10
Replies: 39
Views: 3211

Re: Getting Ready for Windows 10

What's lacking in Security Essentials such that Malwarebytes Premium is required? I have free Malwarebytes, but not the premium edition. I wouldn't put it that way ("lacking"). I look at MWB as bringing two things to the table: Completely different, and multiple, approaches to identifying problems....
by bertilak
Fri Aug 30, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Several Questions re Microsoft Office 365
Replies: 6
Views: 984

Re: Several Questions re Microsoft Office 365

I used to be a skeptic about the subscription model but like 365 and the value it offers, given the inclusion of OneDrive storage and ability for 6 users to install on unlimited number of devices. I decided that cloud storage was a must and that is ALWAYS on a subscription model. I consider all the...
by bertilak
Fri Aug 30, 2019 3:30 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 58
Views: 6685

Re: Should I invest 100k into a total index or do it slowly

Converse criticism of lump-summing: After investing in stock market by DCA, would you undo it to re-do it all over in a lump sum? Selling it all and immediately rebuying is best accomplished by doing nothing and that's exactly what everybody does pretty much on a daily basis! Selling it all then bu...
by bertilak
Fri Aug 30, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149346

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

The Booth at the End (2011) I watched one episode and was hooked. If you haven't seen it, give it a try. Each episode is only about 25 minutes long so it is not a big commitment! I see it via Amazon Prime. I now have finished season one. There is a season two which I am looking forward to. A man si...
by bertilak
Fri Aug 30, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 134
Views: 10775

Re: Quicken 2019 and forward

Does anyone get Citi, Chase or Wells Fargo to download with "web connect"? I have Quicken 2017 and have to manually import from those three. I have no issues with Chase (Web connect) in 2017 or 2019, I have had hit or miss issues with Wells Fargo (Web Connect) in 2014, 2017 & 2019. This week, my Qu...
by bertilak
Wed Aug 28, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

I just finished The Hog's Back Mystery (1933) a novel by Freeman Wills Crofts, the 2015 British Library edition (Crime Classics series) ... Just finished The Santa Klaus Murders (1936) by Mavis Doriel Hay, also from the British Library of Crime Classics series. I didn't go for this one as much as T...