Search found 77 matches

by Georgia
Fri Apr 02, 2010 8:41 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART III (12/11/2009)
Replies: 424
Views: 78572

Chaz, since you like mystery/crime fiction, you might try Lee Child's books, especially those featuring his protagonist Jack Reacher. A cut above many writers of this genre.
Enjoy.
Georgia
by Georgia
Mon Oct 05, 2009 5:00 pm
Forum: Personal Consumer Issues
Topic: Best Nikon lens for travel?
Replies: 17
Views: 3906

The 18-200 mm lens is not at all heavy. I use the Nikon 70-200 VR for sports and it is much heavier. I borrowed 18-200 from a friend just to try and found it to be a very good all-around lens. Wish I had one.
Georgia
by Georgia
Wed Aug 05, 2009 8:07 am
Forum: Personal Investments
Topic: Happy With Wellesley Income Fund
Replies: 31
Views: 12376

Wellesley was the first fund I ever bought and I still own it. Have it paired with the Target Retirement Income fund and a small sliver of the Tips fund, even though TR contains Tips. Still don't know if I like the Tips fund as I don't like volatility. However, this combination has allowed me to get...
by Georgia
Wed May 06, 2009 9:30 pm
Forum: Personal Consumer Issues
Topic: Stupid Mac Question
Replies: 27
Views: 4378

FYI, the older Macs did require defragmenting. Your notebook problem isn't unique. A friend recently called me because he was getting insufficient memory messages. It really was a memory problem which I found hard to believe. I've been using an Imac G5 for a number of years and haven't had a problem...
by Georgia
Tue May 05, 2009 4:49 pm
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 71
Views: 13509

I've had a Rainbow for years and find it quite good. My brother has an acquaintance who used to work for a cleaning service. They used shop vacs. Claimed they were very effective and generally cheaper than regular vacs. Never known anyone to try that, and I've never used a shop vac for anything. Is ...
by Georgia
Mon May 04, 2009 4:29 pm
Forum: Personal Consumer Issues
Topic: Best Book on Photography?
Replies: 9
Views: 1970

I'm not familiar with Shaw's book, but the other suggestions are all good. Understanding Exposure is still a classic. There is also a guide to DSLR in the "Dummies" series that might be helpful. Camera manuals do a pretty good job but can sometimes be hard to understand; however, there are books on ...
by Georgia
Tue Apr 21, 2009 8:51 am
Forum: Investing - Theory, News & General
Topic: Voodoo Economics
Replies: 11
Views: 1756

Marc, thanks for your comment that "in a general sense" a downturn should have been predictable. My absolutely-non-scholarly brother called this several years back. The guy is not an investor other than CD's, doesn't have a credit card, pays for everything in cash, doesn't buy anything he cannot aff...
by Georgia
Tue Apr 21, 2009 8:26 am
Forum: Investing - Theory, News & General
Topic: Voodoo Economics
Replies: 11
Views: 1756

Larry, you are correct when you say that if something is predictable, it wouldn't happen, and Adrian points to Taleb's point of view about randomness. What the article seems to imply is that slavishly adhering to some ideology and ignoring common sense or a critical look at what is actually happenin...
by Georgia
Tue Apr 21, 2009 8:09 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle Has an Op-Ed in today's Journal
Replies: 22
Views: 3688

Thanks for the "heads up" on this. Excellent article. I think Mr. Bogle is correct in what needs to happen. As he said, this will not be an easy task to accomplish. So what can we do? I think it is time for concerned citizens to step up to the plate and press the current administration to make these...
by Georgia
Tue Apr 21, 2009 7:53 am
Forum: Investing - Theory, News & General
Topic: Voodoo Economics
Replies: 11
Views: 1756

Voodoo Economics

I don't know how to provide a link, but there is an interesting article called "Under the Spell of Voodoo Economics" on NPR's website this morning. It is about how so many economists' models/assumptions often fail to predict a financial crisis such as the one we are in.
Georgia
by Georgia
Mon Apr 06, 2009 8:01 pm
Forum: Investing - Theory, News & General
Topic: PBS w/ Wm Black regulator that cracked down on Svng&Loan
Replies: 27
Views: 5105

Thanks to the OP for this post and to those who have responded. I, too, watched the interview and found it very disturbing. I've thought a lot about that and was beginning to wonder if I was the only concerned person in the country. I think the situation demands some tough questioning on part of us ...
by Georgia
Tue Mar 10, 2009 3:59 pm
Forum: Investing - Theory, News & General
Topic: Evolving Diehards Philosophy: Before vs. After crash
Replies: 78
Views: 11969

I find Adrian's formula very helpful. Like Rob, I looked at the actual dollar amount I could loose and adjusted accordingly. In 2007, I realized that I had overestimated my ability to take risk and upped my bond allocation. I haven't sold anything. Sure, I've lost money; but I'm still below what I k...
by Georgia
Sat Feb 07, 2009 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: NYT: In FL, Despair & Foreclosures
Replies: 11
Views: 2201

My family and I were in Florida in Dec. 2007. I hadn't been there in a long time. Couldn't believe how over-built most of the state seemed to be. Also street after street of pricey houses where no one lived. We rented a house in an area where only one occupant on that street actually lived there. Al...
by Georgia
Sat Feb 07, 2009 9:31 pm
Forum: Personal Consumer Issues
Topic: U.S. Army tests
Replies: 13
Views: 3656

Gordon, the ASVAB is routinely given to high school students. If your grandson is interested in the military, have him check with his high school counseling office to see if he has already taken it. I'm a retired high school teacher and it was given at my school every year. Kids today take so many s...
by Georgia
Mon Oct 20, 2008 8:00 pm
Forum: Investing - Theory, News & General
Topic: Reining in Health Care costs
Replies: 112
Views: 16369

CaptMidnight mentioned the Japanese health care system, one of several covered in the PBS special "Sick Around the World". I didn't see all of the program but did find the Japanese program very interesting. From what I remember, not only does everyone in the country have health insurance, but variou...
by Georgia
Tue Oct 14, 2008 10:08 pm
Forum: Personal Investments
Topic: How am I doing?
Replies: 13
Views: 2371

Magicmom, do look at the Target Retirement Income Fund. Right now, shares are cheaper because of the market downturn. Like you, I don't have a lot of money which means I can't afford big losses. I have it paired with Wellesley, but it really is a good stand-alone fund for conservative investors like...
by Georgia
Thu Oct 09, 2008 10:15 pm
Forum: Investing - Theory, News & General
Topic: Age in bonds minus WOW in Target Retirement funds
Replies: 14
Views: 3392

I think Vanguard did make these funds more aggressive several years ago, but as I recall, a number of people on the forum (Diehards, at that time) thought those early funds were too conservative. There was some talk of more aggressive and more appropriate funds at Fidelity, for example. Vanguard may...
by Georgia
Thu Oct 09, 2008 12:24 pm
Forum: Investing - Theory, News & General
Topic: Age in bonds minus WOW in Target Retirement funds
Replies: 14
Views: 3392

I think both G-Money and onleaf make valid points and I don't think these funds were established to entice people to make bad decisions. Oneleaf is absolutely correct when he says that posters on this forum advise people to look at the mix rather than the date. I'm older, for example, so mine is the...
by Georgia
Wed Oct 08, 2008 10:44 pm
Forum: Investing - Theory, News & General
Topic: What happens when your risk tolerance is hit?
Replies: 33
Views: 5857

Thanks, Les. That does help. I guess I'm not thinking of this in the appropriate way. On the other hand, I also realize that I might need to take some steps that I probably should have done before now: consolidate into my target retirement fund (TR Income), keeping only that and the mm fund. Perhaps...
by Georgia
Wed Oct 08, 2008 9:51 pm
Forum: Investing - Theory, News & General
Topic: What happens when your risk tolerance is hit?
Replies: 33
Views: 5857

The practical problem is what to do when your losses are about to dip into the capital that you have invested over time, rather than just erode the gains. I'm almost to that point even though my allocation is conservative, and I spent time considering appropriate risk for my situation. The recent do...
by Georgia
Mon Oct 06, 2008 11:30 am
Forum: Personal Investments
Topic: Retiree needs help
Replies: 4
Views: 1541

DBR, thanks for your reply and the links. I will check those out. My 20 percent or so allocation to stocks is based on figuring the amount of loss one can sustain and multiplying it by 2. I have let it drift higher at times but have kept it between 20-30 percent. My retirement pension does not have ...
by Georgia
Mon Oct 06, 2008 10:15 am
Forum: Personal Investments
Topic: Retiree needs help
Replies: 4
Views: 1541

Retiree needs help

Retired, age 66, with only a taxable portfolio Stable retirement pension that covers household expenses Small mortage payment Low tax bracket Enough money in my local bank to supplement my needs for a year, maybe more. Current holdings, all at Vanguard: Wellesley Target Retirement Income Fund TIPS f...
by Georgia
Mon Sep 29, 2008 9:02 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman on CNN
Replies: 26
Views: 6414

Thanks to those of you who listed the link to the Bogle interview on NBR. His common sense approach is refreshing after all the gloom and doom today. Buckets of Money : While I don't exactly have buckets, I do keep enough in my bank account to more than cover expenses as well as a healthy stake in V...
by Georgia
Mon Sep 29, 2008 6:59 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman on CNN
Replies: 26
Views: 6414

I should have qualified my remark about "talking heads". I have never listened to Orman so I have no preconceived notions about her. I don't normally listen to financial people on the networks. I do, sometimes, watch the Nightly Business Report and am sorry I missed today's episode. My real question...
by Georgia
Mon Sep 29, 2008 5:09 pm
Forum: Personal Investments
Topic: Diehards..... be sure to log in and rebalance.....
Replies: 16
Views: 3902

Thanks, Eric. We could certainly use some of their wisdom today. And if the financial meltdown keeps turning South, perhaps one or the other could help us keep up our courage with periodic "fireside chats".
by Georgia
Mon Sep 29, 2008 4:49 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman on CNN
Replies: 26
Views: 6414

I don't normally listen to any of the "financial" talking heads on TV; I just happened to turn it on when she was giving this advice. Wanted to run it by the Bogleheads.
by Georgia
Mon Sep 29, 2008 4:40 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman on CNN
Replies: 26
Views: 6414

Suze Orman on CNN

Heard Suze Orman on CNN today advising those with time to keep investing while retirees and those nearing retirement to sell both stocks and mutual funds. I'm a retiree who is not planning on doing anything right now. Anyone care to comment?
by Georgia
Mon Sep 22, 2008 9:24 pm
Forum: Investing - Theory, News & General
Topic: Section 8 of bailout proposal
Replies: 8
Views: 1745

Superlight, thanks for the link. I listened to public radio this morning during my 70 mile drive for dental surgery but didn't hear this. Always enjoy intelligent discussion.
by Georgia
Mon Sep 22, 2008 9:11 pm
Forum: Investing - Theory, News & General
Topic: Section 8 of bailout proposal
Replies: 8
Views: 1745

My error. I did leave off those zeros; it is $700 billion. Also, I didn't know this had already been thoroughly discussed. I know action is needed but it does make me nervous to see that particular clause in the proposal. That seems to be giving too much power to one entity with no way to rescind/ c...
by Georgia
Mon Sep 22, 2008 8:35 pm
Forum: Investing - Theory, News & General
Topic: Section 8 of bailout proposal
Replies: 8
Views: 1745

Section 8 of bailout proposal

Section 8 of the bailout proposal is certainly controversial. Just wondering what Bogleheads think of this: "Decisions by the Secretary pursuant to the authority of this Act are non-reviewable and committed to agency discretion, and may not be reviewed by any courts of law or any administrative agen...
by Georgia
Sat Sep 20, 2008 12:08 pm
Forum: Investing - Theory, News & General
Topic: SEC 2004 exemption allowed leverage upto 30 or even 40 to 1
Replies: 32
Views: 6616

While I don't know about this specific 2004 event, an earlier event may have led to this. Please understand that my comment is not political; rather, it is only one factual part of the long trail to what is happening today. After the 2000 election, the Commodity Futures Modernization Act was put int...
by Georgia
Sat Sep 20, 2008 11:28 am
Forum: Investing - Theory, News & General
Topic: just a couple of thoughts on the current crisis...
Replies: 60
Views: 12389

Valuethinker, your comments seem to nail the situation. While none of us knows where the bottom is, I suspect we are a long way from it. My current estimate is maybe half-way.
I think the fallout will be long and painful.
by Georgia
Sat Sep 20, 2008 11:19 am
Forum: Investing - Theory, News & General
Topic: A Real Boglehead Moment - What are you doing?
Replies: 113
Views: 21709

I made one exchange but it had nothing to do with this week's events. I had already lost too much in FTSE-Ex US and had to cut my losses. When power was restored after Hurricane Ike, I exchanged all of it into my Target Retirement Income Fund. That leaves me with Wellesley, VTINX, VIPSX and Prime MM...
by Georgia
Sun Sep 07, 2008 10:19 pm
Forum: Personal Consumer Issues
Topic: recommended photography magazine
Replies: 22
Views: 4424

John, you are correct that the bigger issue is software. I cut my teeth on film and while I love my DSLR, I find that most images need some tweaking. Newcomers need to understand that a good imaging software program such as Photoshop is essential to digital photography. Processing the images is also...
by Georgia
Sat Sep 06, 2008 8:12 am
Forum: Personal Consumer Issues
Topic: recommended photography magazine
Replies: 22
Views: 4424

I have been shooting high school sports for a newspaper since 2003, plus I do some news/feature shots. While there is not a lot of money involved, I certainly do get paid. I get a lot of requests to purchase my photos, but I'm either too busy or too lazy to get the printing done so I give the files ...
by Georgia
Sun Jul 06, 2008 9:46 pm
Forum: Personal Consumer Issues
Topic: Oil dependency
Replies: 31
Views: 5259

Yes, sugarcane is grown in the southeastern part of the U.S., mostly in Louisiana and Florida and some in Texas and Hawaii. There was a time when most of the sweeteners in US food came from cane sugar. Then, when US agricultural policy changed in the 1970s and farmers were encouraged to grow corn fr...
by Georgia
Wed Jun 25, 2008 1:56 am
Forum: Personal Consumer Issues
Topic: Gasoline Effects on Economy versus 1973 and 1979
Replies: 22
Views: 5223

I don't recall the exact price jump in 1973, but I do remember the long lines to buy a limited amount. I was living on the East Coast at the time. Quite a war at my house because my husband would then siphon gas from my vehicle to use in his and I would end up sitting once more in those lines. Quite...
by Georgia
Fri Jun 13, 2008 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any Amtrak Travelers Here?
Replies: 29
Views: 6281

The problem with train travel in this country is there are few options. For example, Marc is correct in that there has been no service east of New Orleans since Katrina. I live several hours north of Houston, and I have absolutely no option for either train nor bus travel. Nada. Most small US towns ...
by Georgia
Fri Jun 13, 2008 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any Amtrak Travelers Here?
Replies: 29
Views: 6281

The problem with train travel in this country is there are few options. For example, Marc is correct in that there has been no service east of New Orleans since Katrina. I live several hours north of Houston, and I have absolutely no option for either train nor bus travel. Nada. Most small US towns ...
by Georgia
Fri Jun 13, 2008 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: What are you doing to counter gas prices?
Replies: 72
Views: 13425

working on that

I'm driving 60 mph instead of 70 on road trips and also watching my driving habits, making sure ease away from stops. Reducing speed by 10mph is a substantial savings. I've tried 55 but in some areas, one could get killed doing that. Unfortunately, I live in a small town where mass transit is not an...
by Georgia
Tue May 27, 2008 10:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 298681

A book that takes the reader from a brief history of corn in the Americas to an examination of today's food industry might sound boring, but Michael Pollan's The Omnivore's Dilemma, A Natural History of Four Meals, is anything but. It is a fascinating and insightful look at what we eat, where it com...
by Georgia
Thu May 15, 2008 9:44 am
Forum: Personal Investments
Topic: Painted myself into a corner?
Replies: 16
Views: 4589

jg, thanks for your interest and I think it would be a good idea to see what funds could be paired with Wellesley, especially since it is a popular fund with a number of investors. As for my question about foreign stock allocation, I learned that some of the respondents think I'm on track and my por...
by Georgia
Wed May 14, 2008 9:01 pm
Forum: Personal Investments
Topic: Painted myself into a corner?
Replies: 16
Views: 4589

jg, thanks for your post. I can see that I only muddied the water rather than provide further clarification. Tax bracket: 15% single I did come up with an allocation first. My original target allocation was 40% stock, 60% bond and I haven't strayed far from that with any changes I've made. I'm comfo...
by Georgia
Wed May 14, 2008 12:33 pm
Forum: Personal Investments
Topic: Painted myself into a corner?
Replies: 16
Views: 4589

Thanks for all of your responses. I do feel better that no one thinks I am completely out of line with this and I agree with those of you that pointed out that today's conventional wisdom on foreign allocation has shifted. I also agree that my inclusion of two balanced funds makes it harder to balan...
by Georgia
Tue May 13, 2008 9:18 pm
Forum: Personal Investments
Topic: Painted myself into a corner?
Replies: 16
Views: 4589

Painted myself into a corner?

Over the past year, I have exchanged some funds and am now wondering if I've painted myself into a corner as it is more difficult to tweak my portfolio if needed. Also, M*X-Ray indicates I have too much exposure to foreign stock. All help/suggestions appreciated. I'm 66, retired, taxable portfolio (...
by Georgia
Wed Mar 26, 2008 7:56 pm
Forum: Investing - Theory, News & General
Topic: How does online theft occur?
Replies: 34
Views: 7523

Yes, Vanguard allows you to have statements sent to a P.O.Box. Mine goes to my PO box as does my bank statement, credit card statement, etc. Other mail is delivered to my residence, and when I leave town it is all held at the PO.
Georgia
by Georgia
Mon Mar 17, 2008 7:48 pm
Forum: Investing - Theory, News & General
Topic: Index Planners/Bogleheads/Wiki
Replies: 15
Views: 3541

Bob, thanks for the post. I certainly agree as it helps in evaluating advice given on this board. Transparency is imperative. We respect the group you mentioned precisely because we know who they are and what they do.
Georgia
by Georgia
Mon Mar 17, 2008 7:39 pm
Forum: Personal Investments
Topic: Introduction, History, and Portfolio Plans
Replies: 10
Views: 2450

Welcome to the forum. In answer to your question about buying STAR and then later converting to a Target Retirement Fund. Very easy. When you have sufficient money in the STAR fund, do an exchange into the retirement fund. You can exchange the entire fund.
Georgia
by Georgia
Wed Mar 12, 2008 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Camera and Computer
Replies: 17
Views: 4013

Joe, if you are going to buy one lens for your new Nikon, I suggest the 18-200mm VR lens. I borrowed one to try and used it in a variety of situations. It is an exceptionally good lens that will give you the capability of going from wide angle to 200mm. I even tried it out at a night baseball game a...
by Georgia
Sun Feb 10, 2008 11:53 am
Forum: Personal Investments
Topic: Recently married; need some financial priorities
Replies: 7
Views: 1903

Leonard's red flag, the heated financial discussions, is right on target. You two need to be on the same page. Also, your post doesn't indicate whether or not both of you have attempted to educate yourselves about investing. I suggest you look at some of the great books listed on this site and read,...