Search found 5908 matches

by bertilak
Sun Jul 22, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 13
Views: 1532

Re: Cell phone tip: block callers

Well I'm glad I posted! Lots more and better hints have surfaced.
by bertilak
Sun Jul 22, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 13
Views: 1532

Cell phone tip: block callers

This may be old news to many of you but I only just learned how to block unwanted callers by number. So, if this is news to you, here is a tip for Galaxy (and perhaps other) phones: When you get an unwanted call, hang up and take a look at the call log. Touch and hold the number. You will get a list...
by bertilak
Sat Jul 21, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor
Replies: 25
Views: 2285

Re: Vanguard Advisor

To be honest, if you look at the Wiki here on the Bogleheads forum, you will get more than the "advisor" will give you. If you are willing to put in some time and learn the basic principles, it is unlikely you'll need a financial advisor unless you have some unique needs. My IPS is not addressed to...
by bertilak
Sun Jul 15, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: How do you back up Quicken?
Replies: 15
Views: 806

Re: How do you back up Quicken?

I'm using Quicken Premier 2017 and my question is regarding backing up the data. When I back up Quicken the backup is labeled "Dan's Quicken Data-2018-7-14.QDF-backup" which resides in My Documents folder. Another file that also appears to be updated/generated at the same time is one labeled Dan's ...
by bertilak
Fri Jul 13, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Advice on portfolio and PAS
Replies: 7
Views: 666

Re: Looking for Advice on portfolio and PAS

[M]y question is how do you rebalance the portfolio. From my understanding the PAS would do this for you as well as help with any tax-loss harvesting. I believe it is not automatic with Vanguard but is with Schwab, which was one of the reasons I looked at them as well. If I met with the PAS and the...
by bertilak
Mon Jul 09, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8348

Re: Amazon won't sell this book to me.

I joined Prime for the two-day free shipping way back when it was $50!

Prices went up and I hung on mostly from inertia. Then I got hooked on Prime Video streaming and that justified all the price increases.
by bertilak
Mon Jul 09, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5815

Re: Any Dry Powder Strategies?

Yeah, but where does that name come from? I'm not American. Some times I'm surprised by American slang. Back in the day (way back) there weren't bullets, each with their own encapsulated gun powder. Guns were primed to shoot by packing powder (hopefully dry!) down the barrel followed by a lead ball...
by bertilak
Mon Jul 09, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2597

Re: Income stream at 70

Question: For a married couple. Are the RMD's a total of all tax deferred accounts added up or each account separate. Meaning can you pay the RMD's with one account and let the wife's account grow. Yes, almost, but not all tax-deferred accounts. Traditional, non-inherited IRAs are as you say but th...
by bertilak
Sun Jul 08, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5635

Re: Girls and investing

You're asking on the wrong message board. If learning to invest means learning how to select individual stocks like Buffet did, the answer from 99% of this board would be never. This board is dedicated to passive investment strategies. I think one needs to understand "traditional" investing topics ...
by bertilak
Sun Jul 08, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: When can I retire? Where to go from here?
Replies: 19
Views: 3782

Re: Checkup Please! Where to go from here?

1. The non-profit I work for is quite small and I think they would consider adding some type of retirement plan if I brought the idea to them and it was easy. Even something that I could contribute to without their help. What should I consider here? Is there something that could be easy for them to...
by bertilak
Sat Jul 07, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4336

Re: Which advanced tech is necessary in cars?

I found the adaptive cruise control not useful. Don't give up on it. Your next car may have a better implementation. My VW Passat has a decent implementation. I find non-adaptive CC to be a half-baked idea. Kinda "why bother?" What good is CC that you have to constantly override? I do know mine cou...
by bertilak
Sat Jul 07, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4336

Re: Which advanced tech is necessary in cars?

Also, anyone have experience with CarPlay? Is it worth it or better off just mounting your phone to the dash? Some kind of integration of your cellphone into the car audio system would be nice to have in Georgia now that we have a new and extremely restrictive "hands free" law for using cellphones ...
by bertilak
Sat Jul 07, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4336

Re: Which advanced tech is necessary in cars?

bigdav160 wrote:
Sat Jul 07, 2018 10:07 am
I would rather not rely on technology to drive.
Even a horse has adaptive cruise control!
by bertilak
Sat Jul 07, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4336

Re: Which advanced tech is necessary in cars?

Apart from most standard safety features I would personally never buy a car without - Backup camera - Blind spot warning/monitoring - Adaptive Cruise control Above three have made it safer and convenient to drive cars we have. Depending how effective it is, I would also recommend lane departure war...
by bertilak
Sat Jul 07, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Which is the best calculator?
Replies: 8
Views: 1204

Re: Which is the best calculator?

As I am 7 years into retirement and presumably over the 'sequence of return risk' You are always at the biggest sequence of return risk for the rest of your retirement. Mr. Market does not know (nor care) that you have managed to survive to this point. It does make sense to occasionally re-evaluate...
by bertilak
Fri Jul 06, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3604
Views: 1028934

Re: What Movie Have You Recently Watched?

I saw 2001: A Space Odyssey last night at the AFI Silver Theater ... Yes, a great and unique movie. There are a couple of scenes that I especially appreciated. These each deserve an award of their own. The whole opening with the apes, topped by the bone-to-spaceship transition. That was cinematic g...
by bertilak
Fri Jul 06, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78284

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

Churchill's Secret Agents (Netflix Original) So far, I've seen episodes 1 and 2 of 5 and can recommend it. It's about the British Special Operations Executive (SOE) during World War II. The show takes an interesting perspective on this. A group of modern day volunteers (14 of them: men, women, old,...
by bertilak
Fri Jul 06, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 3912

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

Bill Bernstein wrote:
Thu Jun 28, 2018 8:05 am
I'm currently finishing up a modern version of Mackay's "Memoirs of Extraordinary Popular Delusions and the Madness of Crowds."
Amazon link?
by bertilak
Thu Jul 05, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3136
Views: 957815

Re: What Book Are You Currently Reading? Part VI

nisiprius wrote:
Thu Jul 05, 2018 8:29 pm
I have never managed to read more than about twenty pages of any book by Ernest Hemingway...
I much prefer his short stories. Especially the Nick Adams stories.

I don't think I ever finished a Hemingway novel.
by bertilak
Tue Jul 03, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Advocating to not index
Replies: 28
Views: 3402

Re: Advocating to not index

heyyou wrote:
Tue Jul 03, 2018 11:44 am
As long as there are greedy people, indexing will not overly crowd stock market behavior. So far, so good, no end in sight.
I think it's a little rough calling non-index investors "greedy." Are index investors simply less greedy? Where does one draw the line between greedy and not greedy?
by bertilak
Tue Jul 03, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3604
Views: 1028934

Re: What Movie Have You Recently Watched?

Spy -- http://www.imdb.com/title/tt3079380/ Funny movie. Don't think too hard. Yes. Thinking could be a distraction. Spy , with Melissa McCarthy. Some funny lines but overall, kind of tedious. Just saw this last night. I had a better impression -- probably because I had no expectations at all and d...
by bertilak
Tue Jul 03, 2018 6:43 am
Forum: Investing - Theory, News & General
Topic: Advocating to not index
Replies: 28
Views: 3402

Re: Advocating to not index

If those non-indexers don't have special information, they might be making things less efficient. True, and another thing ... Even if low-information non-indexers DID help market efficiency, I don't see how it is their DUTY (as sometimes implied) to make ill-advised decisions for the benefit of oth...
by bertilak
Sun Jul 01, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Tax Withholding at Vanguard?
Replies: 10
Views: 1209

Re: Dividend Tax Withholding at Vanguard?

Please post what you find out. I'd like to do the same thing if it is not too hard. If you are asking about automatic tax withholding of dividends I have figured out this much so far. I plan on calling VG Monday to see if there is a more direct possibility. The taxable accounts are configured to se...
by bertilak
Sat Jun 30, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6291

Re: Vanguard is really pushing their Personal Adviser Service

PAS is a valuable service for people who don't know anything, and more importantly, don't want to know anything. Personally, I don't need it, but I have recommended it to friends, and have told my wife to get them involved if I pass on first. I have an IPS the primary purpose of which is to give gu...
by bertilak
Sat Jun 30, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4029

Re: Any Reason to Keep My "Landline" Phone?

My home security system is tied to a landline. And so is the elevator in my home. I think I need my landline. Home security (ADT) was keeping me tied to a land line for a long time. They now support cell service. They install their own cell box. It was a pretty big and complex procedure that took t...
by bertilak
Fri Jun 29, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3856

Re: Best way to clean eyeglasses?

Personally I would never clean glasses with water that has chlorine in it. I had water droplets with chlorine dry on my glasses one time after getting wet from a garden hose and the protective coating peeled off the lenses from the chlorine. I purchase Zeiss eyeglass cleaner and use an eyeglass clo...
by bertilak
Fri Jun 29, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3856

Re: Best way to clean eyeglasses?

I wear glasses all the time and I really like these Zeiss wipes: https://www.amazon.com/Zeiss-Pre-Moistened-Cleaning-Wipes-Count/dp/B01E9NC2Z4/ref=pd_lpo_vtph_200_tr_t_2?_encoding=UTF8&psc=1&refRID=RJNSTWS54VMD70XSB5DP Obviously not the most economical or waste-efficient option, but very effective....
by bertilak
Thu Jun 28, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78284

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

Can't recall if it was Netflix or Prime, but saw that the BBC show, "The Night Manager" was streaming. It's a miniseries about a hotel manager and international intrigue that was among the best TV I've ever seen. Yes, exceptionally good: acting, plot, production values, excitement, drama, suspense....
by bertilak
Tue Jun 26, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4564

Re: 60/40 or 40/60?

I'm with the 50/50 crowd. Who am I to predict which way to vary from that? I have recently been (re?)thinking this issue. I am considering adding something like the following to my IPS: Re-Balancing There is much discussion about how and when to buy and sell to get things back to the target ratios a...
by bertilak
Tue Jun 26, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: How does a guaranteed income stream affect stock/bond ratio?
Replies: 21
Views: 2049

Re: How does a guaranteed income stream affect stock/bond ratio?

And then everyone will have some amount of RMD income stream after age 71. An RMD is not an income stream. You are not required to spend the RMD. The amount distributed can be distributed to a taxable investment account. The overall portfolio size can be left the same. If we take taxes into conside...
by bertilak
Mon Jun 25, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3136
Views: 957815

Re: What Book Are You Currently Reading? Part VI

LadyGeek wrote:
Mon Jun 25, 2018 3:26 pm
Before this goes any further, please don't use a book review as a pretense to discuss medical issues.
Or political issues.
by bertilak
Sun Jun 24, 2018 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Tax Withholding at Vanguard?
Replies: 10
Views: 1209

Re: Dividend Tax Withholding at Vanguard?

I found this website: Estimated Tax Payments - Electronic Federal Tax Payment System (EFTPS) . It allows you to set up automatic estimated tax payments. Vanguard allows automatic transfers to a bank account so I think the combination of the two (VG push to checking and IRS pull from checking) can ac...
by bertilak
Sun Jun 24, 2018 4:59 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3136
Views: 957815

Re: What Book Are You Currently Reading? Part VI

A history book of the USA. This book is titled "Willards School History of the USA" . Written by Emma Willard in 1871 right after the civil war. This account was written by a female in 1871 & its history is quite different than todays public school history books in the USA. This book is almost 150 ...
by bertilak
Sat Jun 23, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Tax Withholding at Vanguard?
Replies: 10
Views: 1209

Re: Dividend Tax Withholding at Vanguard?

Gill wrote:
Sat Jun 23, 2018 8:10 pm
Why not just withhold more from the RMD’s?
Gill
That is a good idea!
by bertilak
Sat Jun 23, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Tax Withholding at Vanguard?
Replies: 10
Views: 1209

Re: Dividend Tax Withholding at Vanguard?

You can do it, but they make it hard if you said you weren't subject to backup withholding when you opened your account (unless things have changed). I asked about it years ago and they said something about a signature with a medallion guarantee for all owners of the account. I suspect it is harder...
by bertilak
Sat Jun 23, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Tax Withholding at Vanguard?
Replies: 10
Views: 1209

Dividend Tax Withholding at Vanguard?

Can Vanguard be set up to withhold taxes on dividends?

I think the answer is "no" because I could not find anything on their website, other than withholding taxes on RMDs.

But, perhaps I am wrong, so I put the question here. I will also give them a call Monday.
by bertilak
Sat Jun 23, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Fixing drip irrigation line
Replies: 13
Views: 954

Re: Fixing drip irrigation line

Thanks for everyone's advice - a pair of "I-couplers" and some hot water (208 degF for me, I checked on my boiler :wink:) did the trick. Bad news is now that I know how easy it is to redirect drip lines, I picture myself tinkering with them all summer... You might want to get a tubing cutter. Look ...
by bertilak
Fri Jun 22, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3416

Re: Does an IPS really need to be 5 pages long to be valuable?

Below is the Table of Contents for my IPS. The idea is to tell the reader enough to keep things on track. I have had an IPS for some time and have struggled to strip it down to the essentials. This thread prompted me to make another go at it. The below is what I came up with. I think each of those t...
by bertilak
Fri Jun 22, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Why Active can never beat Passive
Replies: 33
Views: 3198

Re: Why Active can never beat Passive

student wrote:
Fri Jun 22, 2018 8:42 am
Edit: I prefer index funds as I am too stupid to find the few superior active funds.
It would be easier if they were the same funds from year to year AND if they could be found BEFORE the year begins!
by bertilak
Thu Jun 21, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3416

Re: Does an IPS really need to be 5 pages long to be valuable?

My IPS Statement is outlined for others , my hares, to follow after my demise. It is made for "non-Boglheads" to understand and, hopefully, follow. As such, it has to be a lot longer than if it were just for myself. Toward that end, whatever length or pages it needs to fulfill its purpose is the ri...
by bertilak
Wed Jun 20, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Sustainable Active Investing Framework Simple But Not Easy
Replies: 8
Views: 854

Re: Alpha Architect: Sustainable Active Investing Framework Simple But Not Easy

vineviz wrote:
Wed Jun 20, 2018 4:56 pm
Interesting article. Thanks for sharing.

I'm pretty sure I remember Fama telling his class something like this: "we don't need to assume that investors ARE rational, just that on average they behave AS IF they were rational."
Question: When does the crowd switch from rational to manic?
by bertilak
Fri Jun 15, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1318

Re: Long Weekend in November - NOLA, Austin, Other

My impression of NOLA was not positive when I visited for a business conference and stayed in the French Quarter. It's noisy, seemed focused on bars where patrons seem to begin drinking early in the day, and did not feel like a safe environment. I would not return for vacation. Completely agree. Wa...
by bertilak
Fri Jun 15, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Factor-based strategy is better (winer), OK. then who are the losers?
Replies: 55
Views: 2640

Re: Factor-based strategy is better (winer), OK. then who are the losers?

Regarding some of the above posts, there is an important point there that whatever the statistical systematics of the market, the investor gets only one of a wide range of possible outcomes. That actual outcome is determined more by noise than by any overwhelming trend in the system. And that is wh...
by bertilak
Thu Jun 14, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Factor-based strategy is better (winer), OK. then who are the losers?
Replies: 55
Views: 2640

Re: Factor-based strategy is better (winer), OK. then who are the losers?

Personally, I will stick to those total market funds like VTI, simply because while they are not perfect, but they are good enough for me. My way of looking at it is about the same: Although not perfect they aren't far off. Another way of looking at it: A total-market index fund contains within it,...
by bertilak
Wed Jun 13, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed
Replies: 27
Views: 2567

Re: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed

So in our experience, the urge to tinker doesn't last forever! In my experience, the urge to tinker comes and goes but it is not always the same tinkering! I have disciplined my self to sit it out. "Don't do something; just sit there." When the urge gets stronger I tell myself that my middle-of-the...
by bertilak
Mon Jun 11, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: What to do with individuals stocks?
Replies: 15
Views: 975

Re: What to do with individuals stocks?

I could, of course, just sell up and throw the money into index funds. However, that would be breaking with the strategy according to which the stocks were originally purchased, and according to that strategy it is not the right time to sell. Why hold on so dearly to a strategy you no longer believ...
by bertilak
Sun Jun 10, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Loss in IRA
Replies: 5
Views: 546

Re: Capital Loss in IRA

Thanks for the replies. Here is what I think I have learned. Assuming a tIRA with no non-deductible contributions: There is NO cost basis within the IRA recognized by the IRS even though Vanguard shows cap losses on the web page. There are NO tax considerations just because the withdrawal was done "...
by bertilak
Sun Jun 10, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Capital Loss in IRA
Replies: 5
Views: 546

Capital Loss in IRA

Is there any way to take advantage of an unrealized capital loss in a traditional IRA? Tax loss harvesting, for example. if I do a transfer in kind does the cost basis (and date) transfer?
by bertilak
Thu Jun 07, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 49
Views: 5012

Re: Larry Swedroe: What If Your Plan Fails?

So what exactly is the actionable part? Plan for 50% market crash just after you have started your retirement and you have no chance of getting your old job (or anything similar) back? Change the 4% to 2%? How about 90% market crash? I mean if I were to look at last 115 years of data and 25 countri...
by bertilak
Thu Jun 07, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 49
Views: 5012

Re: Larry Swedroe: What If Your Plan Fails?

And exactly how different is this than say market timing? The Market times Itself. If it does so in a way that turns your plans to dust, that's bad, and especially bad if you have already become reliant on those plans. If it does so while you still have a chance to make new plans it is not quite as...