Search found 5794 matches

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: 252

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: 19
Views: 2952

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: 3580

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: 805

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: 2972
Views: 916038

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: 3491
Views: 985600

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...
by bertilak
Fri Apr 13, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916038

Re: What Book Are You Currently Reading? Part VI

Just finished Strangers on a Train by Patricia Highsmith. Of course this was the basis for Hitchcock's like-named film. Like much of Highsmith's work, the story can be labeed a psychologial thiller. It also questions right vs. wrong and how a "normal" person can stumble (or be driven) from good to e...
by bertilak
Tue Apr 10, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9210

Re: I’m looking for a word...

David Jay wrote:
Tue Apr 10, 2018 8:29 am
HomoLudens wrote:
Tue Apr 10, 2018 8:18 am
Rick Ferri wrote:
Thu Mar 22, 2018 11:12 am
I’m looking for the word or phrase that describes how a complex system changes either predictably or unpredictability when a pasive observer becomes an active market participate. Any ideas?
Transmogrification. :happy
**tap,tap,tap** Calvin, it that you in there???
Not anymore!
by bertilak
Tue Apr 10, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: How Often Do Stocks & Bonds Suffer Concurrent Losses?
Replies: 30
Views: 2417

Re: How Often Do Stocks & Bonds Suffer Concurrent Losses?

It is an important point that bonds lose LESS than stocks, even if they are not inversely correlated.
by bertilak
Sun Apr 08, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

We have just started Doc Martin , a London surgeon moves to a tiny coastal village in Cornwall to be a general practitioner. His lack of social skills and the quirks of the locals furnish the humor and the plots. We also liked Doc Martin. Hunt down other Martin Clunes shows -- available for streami...
by bertilak
Sat Apr 07, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5077

Re: [When is going out to a restaurant worth it to you?]

I go when I feel like being pampered.

This is why I don't see the point in going to a buffet -- you are giving up a big part of that pampering. Peel me a grape!
by bertilak
Wed Apr 04, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tips to switch from Software Eng. to software Teaching/Training
Replies: 10
Views: 911

Re: Tips to switch from Software Eng. to software Teaching/Training

The community college teaching is difficult because many of the students are under financial and other duresses that the average underclassmen and women at a state university don't even dream of and the diversity of abilities of students in any community college class is nothing like what you will ...
by bertilak
Wed Apr 04, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Tips to switch from Software Eng. to software Teaching/Training
Replies: 10
Views: 911

Re: Tips to switch from Software Eng. to software Teaching/Training

See if you can get a part-time teaching job at a community college. They are always looking for associate instructors.

I did that for a few years while still working. I learned that it was not the job for me!
by bertilak
Tue Apr 03, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 44
Views: 6541

Re: Quicken 2018 for Mac [and PC Released]

Anybody else having nothing but trouble with the new Quicken? The latest update seems to be completely FUBAR. I'm in a bind because I like the one-step update but I'm now paying more for crappier software and feel like I'm getting ripped off. The update that required us to re-activate bill-pay gave...
by bertilak
Sun Apr 01, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: New On-screen Guide for Direct TV
Replies: 17
Views: 1235

Re: New On-screen Guide for Direct TV

KSOC wrote:
Sun Apr 01, 2018 6:05 am
So glad I left for much lower cost options & better value.
So what is the better option?
by bertilak
Sat Mar 31, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: New On-screen Guide for Direct TV
Replies: 17
Views: 1235

Re: New On-screen Guide for Direct TV

Did this just start happening to you with the new menu? I don’t recall ever having the issue of setting a series to record and it adds the downloads. Usually I set it to first run, so I only get new episodes. Typically I record from the guide, and usually it limits the recording options to that cha...
by bertilak
Fri Mar 30, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: New On-screen Guide for Direct TV
Replies: 17
Views: 1235

Re: New On-screen Guide for Direct TV

Perhaps this is a good place to ask about a problem I have with the latest DirecTV... I saw that I was eligible for a free equipment upgrade so went for it. (For those who are into it, this was from an HR44 to an HS17, Genie 2.) It came with the new interface and I can say I don't like it. My bigges...
by bertilak
Fri Mar 30, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1605

Re: Applying for Medicare - now or later?

CAREFUL! When I turned 65 I wasn't sure what to do about Medicare so only signed up for Part A (it's free), figuring I'd deal with the Part B decision once I knew a more about it. That COULD have been a big mistake! When I studied a bit more and decided I DID want to sign up for Part B, I could not ...
by bertilak
Thu Mar 29, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21659

Re: Anyone Deleting Facebook?

I deleted my account a couple of years ago. I just felt I was diving too deep into a universe I didn't want to be in. I joined because a few friends asked me to. I don't know how "deleted" I really am. I know FB said it would take 30(?) days for the deletion to take effect and I could re-join easily...
by bertilak
Thu Mar 29, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 4462

Re: Total return vs dividends

I understand that in theory, focusing on total return and selling shares to generate cash is just as good as or perhaps better than relying on dividends for cash flow in retirement. However, I’m having a mental block on what this means in practice. If my portfolio will generate enough dividends and...
by bertilak
Wed Mar 28, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How does your retirement spending compare to pre-retirement spending?
Replies: 48
Views: 6343

Re: Retirees: How does your retirement spending compare to pre-retirement spending?

Two BIG categories went WAY down:
  • FICA
  • 401(k) and IRA savings
Those made a big improvement to cash flow.

I note that for a few years before retirement I worked from home so commute and lunch expenses were already cut back.

I think other things stayed about the same.
by bertilak
Sun Mar 25, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9210

Re: I’m looking for a word...

I like emergent behavior because it suggests unknown relationships in the market that only become known or observable when someone tries to take advantage of an anolomoly or situation that their data is telling them exists. But their entering the market actually changes market behavior, which negat...
by bertilak
Thu Mar 22, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9210

Re: I’m looking for a word...

The Warren Buffett effect?
by bertilak
Wed Mar 21, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Questions about the makeup of index funds
Replies: 7
Views: 857

Re: Questions about the makeup of index funds

Is it simply a matter of how large a company is and how much it is worth in relation to the others in the index? Sort of. It's a question of how worth is defined and for this case it is defined as the total value of the company's outstanding stock. That is called the company's "capitalization" and ...
by bertilak
Wed Mar 21, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

I've searched high and low on Netflix (netflix.com) and via smart tv hook up to Netflix and can't find this. Searched "quirke" as well as "quarke" Anyone know how to access it? Quirke is on Amazon Prime WITH the added subscription to the BritBox channel. I have both Amazon Prime and Netflix. I neve...
by bertilak
Tue Mar 20, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Was my experience with a CPA typical?
Replies: 21
Views: 3366

Re: Was my experience with a CPA typical?

nisiprius wrote:
Tue Mar 20, 2018 11:31 am
The nearest doctor happened to be a general practitioner; they still existed in the 1950s.
Don't they call them Primary Physicians nowadays? I have one. I think the term "Family Medicine" comes into play as well.
by bertilak
Tue Mar 20, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985600

Re: What Movie Have You Recently Watched?

Murder on the Orient Express (2017) with Kenneth Branagh as Poirot Of course there is only one Poirot, David Suchet. Never-the-less, this production got the mustache correct, if one goes by Agatha Christie's writings. The acting for the main characters was quite good. The plot is, of course, Dame A...
by bertilak
Mon Mar 19, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Why shouldn't I day-trade in Roth IRA and HSA investment account?
Replies: 24
Views: 1697

Re: Why shouldn't I day-trade in Roth IRA and HSA investment account?

Why is this a bad idea? I'm thinking to "day-trade" with $10k in HSA investment, and $10k in Roth IRA. Maybe I can make $1-2k profit in the next 1-2 years (in HSA alone). There is a bunch of stuff you need to get right: What to sell. What to buy. When to sell. When to buy. Get ALL that right and yo...
by bertilak
Sun Mar 18, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

I hate to admit it but think Man Down is funny. It is undoubtedly not for everyone because it is quite silly and sophomoric, however the characters are funny especially the star Greg Davies. I have only watched three episodes so it might become old but so far it has provided me with some big laughs...
by bertilak
Mon Mar 12, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for holding short term investments
Replies: 14
Views: 2488

Re: Best Vanguard fund for holding short term investments

Thanks all for the ideas. I think I can work it out. I just need to be able to show him a plan that includes both saving for known expenses and investing for the future.
by bertilak
Sun Mar 11, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

I'm two episodes into the three-episode Quirke, a noir crime series about Dr. Quirke, a pathologist in 1950s Dublin. Each episode is a movie-length hour and a half. The plots are somewhat independent in that they are mostly resolved in each episode but they do follow an overall story arc as far as c...
by bertilak
Sat Mar 10, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for holding short term investments
Replies: 14
Views: 2488

Best Vanguard fund for holding short term investments

A relative is starting to invest at Vanguard. There are two types of investment he is interested in: Long term for eventual retirement. I think I can sort this out for him. (Target date, Life Strategy, 3-fund or similar) Ongoing known medical expenses of about $3K per year. What would be the best VG...
by bertilak
Fri Mar 09, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

Someone already mentioned Broadchurch, I think? Unforgettable TV. Also, maybe even better, Foyle's War - just generally, my favorite TV show of all time (Broadchurch #2). Foyle's War is outstanding. I agree it is one of the best shows. It went on for a long time too (a good thing!). Honeysuckle Wee...
by bertilak
Fri Mar 09, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

On Acorn TV (via Amazon Prime but you can get it standalone: The Detectorists Detectorists seasons 1 and 2 are on Netflix also I really enjoyed the first season - perfectly executed British village comedy. However, that theme song is wearisome for binge viewing... I LOVE that theme song. I've been ...
by bertilak
Fri Mar 09, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance Investments
Replies: 11
Views: 1416

Re: Inheritance Investments

retiredjg wrote:
Fri Mar 09, 2018 10:01 am
Do not wait for a dip. It could be years away.
And by the time it happens, the "dip" could be higher than today's prices.
by bertilak
Sun Mar 04, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my asset allocation?
Replies: 15
Views: 1706

Re: Should I simplify my asset allocation?

You seemed very stoic during 2008-2009. What has changed? The obvious change is that he is 10 years older. This could be "older and wiser" or one could simply consider it a change in personal circumstances -- a perfectly valid reason to reassess things. Now for some personal advice: A few bonds add...
by bertilak
Sun Mar 04, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Question on how to list gifts on form 709
Replies: 10
Views: 612

Re: Question on how to list gifts on form 709

I would consider installment payments a single gift. The IRS can ask me if they need more info.
by bertilak
Sat Mar 03, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916038

Re: What Book Are You Currently Reading? Part VI

FreeAtLast wrote:
Sat Mar 03, 2018 9:39 pm
Litotes?
I'm pretty sure that's what I was looking for.

Anyway, I like it.
by bertilak
Sat Mar 03, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916038

Re: What Book Are You Currently Reading? Part VI

"The Raymond Chandler Omnibus", Alfred A. Knopf NY (1976): - Farewell, My Lovely (1940) There is a line early on in that book where Marlow describes his first glimpse of Moose Malloy (the guy whose "lovely" is in the title): He was a big man but not more than six feet five inches tall and not wider...
by bertilak
Fri Mar 02, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916038

Re: What Book Are You Currently Reading? Part VI

Call me Ishmael. You may remember my earlier comments about my voyage through Melville’s Moby-Dick (his hyphen). This Is an update. Another update -- I finally finished. It was a long and impressive voyage. One has to admire Melville's craft. One could go into the social implications of 19th centur...
by bertilak
Fri Mar 02, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Perrenial question - pay off mortgage or not
Replies: 27
Views: 2195

Re: Perrenial question - pay off mortgage or not

dotstar wrote:
Thu Mar 01, 2018 9:39 pm
I understand there are opposing points of view. The answer depends upon your risk tolerance and your rigor to invest the subsequent cash flow.
Positive cash flow is good for other things beyond investing.
by bertilak
Thu Mar 01, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Perrenial question - pay off mortgage or not
Replies: 27
Views: 2195

Re: Perrenial question - pay off mortgage or not

All I can say is when I paid mine off I was floating about 10 feet in the air for days. Months later, I think I'm still slightly lighter on my feet. Just seeing this thread gave me a little boost!
by bertilak
Thu Mar 01, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CFP rcommendations of non-index funds?
Replies: 10
Views: 1531

Re: Vanguard CFP rcommendations of non-index funds?

I asked for a portfolio review a year or so again. I had our IRAs split between Total Bond Index and Wellesley. He didn't recommend getting rid of Wellesley but he commented that the bonds in it were of lower quality than what was in Total Bond Index. He sorta sounded like a parent saying to a kid,...
by bertilak
Thu Mar 01, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CFP rcommendations of non-index funds?
Replies: 10
Views: 1531

Re: Vanguard CFP rcommendations of non-index funds?

My Flagship advisor completely ignored my specific questions and gave me a list of Vanguard funds to move all my assets into. I don't remember the specifics as it was five years ago, but it wasn't the Three Fund portfolio or what Bernstein was recommending. I had already begun studying investing bu...
by bertilak
Thu Mar 01, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: How to Avoid Selling Depreciated Stocks When Retired
Replies: 48
Views: 2444

Re: How to Avoid Selling Depreciated Stocks When Retired

Burt, Remember a balanced fund is continuously re-balanced. That's why it's called a "balanced" fund. As stocks in the fund lose value, more are bought by the fund to keep the stock/bond ratio in balance. So, yes, when you then sell the fund you are selling deprecated stocks, but you now have more o...
by bertilak
Wed Feb 28, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard CFP rcommendations of non-index funds?
Replies: 10
Views: 1531

Vanguard CFP rcommendations of non-index funds?

Has anyone here received a portfolio recommendation from a Vanguard CFP that does NOT resemble a Life Strategy fund? I'm wondering about recommendations that include things like Wellington or Wellesley or perhaps even one of the new factor funds. I don't mean something that, perhaps because of exter...
by bertilak
Mon Feb 26, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

Miss Fisher's Murder Mysteries is set in Melbourne, Australia in the 1920s. She is an attractive independent-minded young woman. She often works alongside or aggravates Melbourne a police detective who never quite becomes a romantic interest, although you always expect the romance will develop. We ...
by bertilak
Mon Feb 26, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916038

Re: What Book Are You Currently Reading? Part VI

1453 by Roger Crowley. Its subtitle is 'The Holy War for Constantinople and The Clash of Islam and The West'. The final collapse of the Byzantium empire occurred when certain Europeans either captured or in some cases for personal gain transferred technology (building massive cannons) to the those ...
by bertilak
Sun Feb 25, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Simple question regarding caring for elderly parents
Replies: 16
Views: 2326

Re: Simple question regarding caring for elderly parents

I don't think the situation is simple. Given that their holdings include real estate and that there is more than one heir believe a will is appropriate and important. A lawyer should be involved. Given that some of the real estate is partially owned you should look into that arrangement. Is it incom...
by bertilak
Sat Feb 24, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61681

Re: Netflix, Your Current Favorite Show

We have watched and enjoyed these detective series : Shetland Death in Paradise Poirot Father Brown Miss Marple Miss Fisher's Murder Mysteries Midsomer Murdrers Hinterland Many of my favorites listed there! I have not watched Miss Fisher so will add to my list. For some reason, I did not appreciate...