Search found 661 matches

by MindBogler
Sun Nov 18, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 37
Views: 2122

Re: Laptop security - Mac OS or Windows

Meaning it’s being actively patched because it’s under constant attack. Mac user here, never had a virus attack or similar issue. My lawyer once had to redo tens of thousands of work for me because his windows machine got corrupted with a virus. This was back during the Win95 era but still. It is u...
by MindBogler
Fri Nov 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3410

Re: Home sale etiquette: wall repair

We left our last home as-is. The only thing I did was thoroughly clean everything but that was done prior to listing. Our listing agent recommended against repairing sheetrock or paint as the buyers probably want their own colors anyway. We had no issues at all closing the sale.
by MindBogler
Wed Nov 14, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6858

Re: Are you all staying the course?

Quick question about “rebalance bands”. Are these something you can actually set and get an alert (for example on Vanguard) or is this just something you keep track of yourself? I use a spreadsheet with conditional formatting to keep track. I'm sure there are other ways but this way is easy and it ...
by MindBogler
Wed Nov 14, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6858

Re: Are you all staying the course?

I've been gliding to a 60/40 allocation from 80/20 for the last 18 months or so and I couldn't be happier. I went to 70/30 when the market was still up and then did a few more exchanges + new contributions to settle on 60/40. I think that is about right for me at this point in life.
by MindBogler
Wed Nov 14, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2430

Re: Understanding the difference in cell phone OS types

If you are considering iPhone vs Android I would recommend limiting your choices to Google branded phones (Pixel 2 or 3). The non-Google android devices are so dissimilar from one another, it is difficult to make a blanket generalization. Many of the non-Google phones do not receive regular security...
by MindBogler
Tue Nov 13, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 102
Views: 13951

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

When you sell you haven't accomplished anything other than realizing a loss. Instead, direct all new purchases to bonds, money market, etc. until your overall allocation is comfortable. Stop looking at your account(s) so often.
by MindBogler
Sat Nov 10, 2018 4:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2291

Re: U. S. Marine Corps Birthday

Semper Fi!
by MindBogler
Fri Nov 09, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 90
Views: 6417

Re: Too many choices for my next TRUCK

One caution with Ford F150 is that they use turbo charged engines to get additional power. That introduces another layer of complexity. A lot of truck guys are leery of that and prefer to just get the horsepower needed without turbo charging. My 2 cents worth. I would say it is fear of the unknown ...
by MindBogler
Fri Nov 09, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 90
Views: 6417

Re: Too many choices for my next TRUCK

F150 with 2.7 ecoboost. Port injection in addition to direct injection is the main reason (the DI only engines get carbon buildup on the intake valves) GM a close second. Love the small block V8, but wish it had port injection in addition to DI. Then ram. Don't buy a toyota or nissan, they are arch...
by MindBogler
Thu Nov 08, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 90
Views: 6417

Re: Too many choices for my next TRUCK

bottlecap wrote:
Thu Nov 08, 2018 4:00 pm
I don't know how the ecoboost gimmick works with the Ford trucks, but I'd feel comfortable with the Ford over the Nissan for reliability. The Tundra probably has a leg up in this area, though.

JT
The gimmick is anything but; it is a twin turbo.
by MindBogler
Thu Nov 08, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7366

Re: Do people calculate savings rate on gross income?

smitcat wrote:
Thu Nov 08, 2018 2:08 pm
Nice tool I use it myself for general comparisons but it will not take into account that the Dr. is likely self employed and paying both sides of FICA.
Or that the hypothetical doctor is also an extreme outlier as most physicians never make anywhere near $1 million / yr! :P
by MindBogler
Thu Nov 08, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7366

Re: Do people calculate savings rate on gross income?

$2M total income less $850k in taxes less $1M in savings in taxable is about $150k leftover. In this case, the $113k is due to the fact that these aren't regular doctors, they are Bogleheads so they max their 401ks too. :wink: Here's a neat tool that can approximate the answer to this question: htt...
by MindBogler
Thu Nov 08, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7366

Re: Do people calculate savings rate on gross income?

MindBogler, There are exceptions to every rule. You could be a US ex-pat in the foreign countries. In those cases, you may not live like "The Millionaire Next Door" but as part of the ex-pat package, your living expense and income taxes are paid by the employer. KlangFool There is an edge case for ...
by MindBogler
Thu Nov 08, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7366

Re: Do people calculate savings rate on gross income?

If you make $2M a year, saving $1M a year is trivial. If you make $60k a year, saving $30k a year is hard. In most states in the union, you'd lose nearly the first million in taxes even married filing jointly. You have State, Local, Federal, FICA (+Medicare additional tax) to contend with and, at t...
by MindBogler
Wed Nov 07, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7366

Re: Do people calculate savings rate on gross income?

Bogleheads: Making Easy Topics Complicated Since Time Immemorial I suggest that % of gross income is the simplest and most intuitive way to perform this calculation (and it also yields the lowest absolute percentage). Perhaps I am mistaken but I do not see or understand the point of calculating it a...
by MindBogler
Tue Nov 06, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14594

Re: How much money are you leaving your kids after you die?

All of the assertions about "I'm going to die broke" are kind of absurd. If you are a boglehead, your plan should include longevity insurance which means that unless you receive an unexpected terminal diagnosis, you are unlikely to spend it all. It is sad that we can't have a serious conversation wi...
by MindBogler
Sun Nov 04, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Where to buy xbox live 3 month pass
Replies: 4
Views: 225

Re: Where to buy xbox live 3 month pass

It's $59.99 for a whole year right from the source: https://www.microsoft.com/en-us/p/xbox- ... 0k5zm/0004
by MindBogler
Thu Nov 01, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2713

Re: IT Career Advancement-What path?

Do you script? Powershell? If you don't, focus on that. That would be a huge positive for a Windows Server Admin. Are you an expert with Hyper-V or Microsoft Cloud technologies? How about Exchange? MS SQL? I'd start with your Windows experience, and expand on that rather than start completely over ...
by MindBogler
Thu Nov 01, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2877

Re: help this RN negotiate job change

This is all just in my opinion, so take it for what its worth. When you discuss compensation prior to an offer, that is non-binding. I've discussed nebulous ranges and even exact numbers in these early conversations. The early recruiter or screen is trying to get a feel for the ballpark. They might ...
by MindBogler
Thu Nov 01, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1657

Re: Anybody use CenturyLink for internet service?

It matters whether CenturyLink has fiber to the premises or fiber to the node in your neighborhood. Fiber to the node is the way they market their DSL product in an attempt to make it more competitive. DSL is notoriously unreliable and its quality is subject to your home's distance from that node. I...
by MindBogler
Tue Oct 30, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3896

Re: Giving up on GoogleSpreadsheets. Need alternative.

Thank you for the detailed explanation. I am mostly using cells rather than ticker symbols, where the cells have the VSS or VTSMX in it, without quotes. Ie, googlefinance (A1, "name") where A1 holds VSS. Does that seem correct? I've used this spreadsheet for almost a decade so I believe I'm enterin...
by MindBogler
Mon Oct 29, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3896

Re: Giving up on GoogleSpreadsheets. Need alternative.

I doubt the OP is doing anything wrong. Google Finance will fail intermittently when large numbers of queries are ran. Your example case of "it works" is too simple to reach any conclusion. Enter in about 30 ticker symbols including calculations that require dependencies between cells and it won't b...
by MindBogler
Sun Oct 21, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3332

Re: Why are Carbon Offset Credits so cheap?

Carbon credits never made any sense to me. It's like saying rich people can drive faster than the speed limit for an extra fee. If you want to help the planet, plant more trees. On a related note, I'm currently looking for donations to plant trees on my 10,000 sq ft hillside lot. I'll accept money,...
by MindBogler
Sun Oct 21, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stealing ID using only name and SSN
Replies: 16
Views: 1354

Re: Stealing ID using only name and SSN

About 20 years ago someone used my SSN to collect public assistance and sign up for Verizon phone plans. I found out when I filed my taxes and they tried to withhold my refund due to collecting benefits. I had an investigator from the state tax agency assigned to my case and they worked with law enf...
by MindBogler
Fri Oct 12, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 285
Views: 248442

Re: A time to EVALUATE your jitters

A Japanese investor with a reasonable allocation to global stocks would have ended up just fine. Japan is exhibit A on why international diversification is important for all investors. Yet in 2008, when Washington sneezed, the entire world caught a cold. My international investments underperformed ...
by MindBogler
Fri Oct 12, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3524

Re: Lost Power for 24 hours - what food to toss?

If the doors were closed the whole time it's probably all fine. Eggs can keep on the counter for days but I wouldn't make hollandaise. 8-)
by MindBogler
Mon Oct 08, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Engineering/chemistry guys need ya for Scientific Notation
Replies: 8
Views: 997

Re: Engineering/chemistry guys need ya for Scientific Notation

livesoft wrote:
Mon Oct 08, 2018 8:55 pm
g/ml is the same as g ml^-1 (both would be pronounced "grams per millimeter"
For what it is worth, this notation ( g ml^ -1 ) was commonplace when I took chemistry and physics in college.
by MindBogler
Thu Oct 04, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: How many months/years of living expenses do you save each year?
Replies: 29
Views: 3491

Re: How many months/years of living expenses do you save each year?

About 65% of monthly expenses or ~30% of gross income. We still spend on things we don't need because life only comes at you once.
by MindBogler
Tue Oct 02, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6347

Re: Enjoying your money before retirement

The idea that you can't access funds in tax advantaged accounts is one of the biggest misnomers around. Roth IRA: Contributions can be withdrawn tax free at any time . IRA: Substantially equal periodic payments (SEPP). There was an analysis done here recently that even demonstrated, in some scenario...
by MindBogler
Sun Sep 30, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6084

Re: How to tell contractor you don't plan to pay him.

What else is wrong with the installation? Installing over a damp surface is not the end of the world. Shingles aren't air tight and any water in there will work itself out in short order. They build elaborate homes in the rain all the time. The starter course, one of the most important parts of the...
by MindBogler
Sun Sep 30, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6084

Re: How to tell contractor you don't plan to pay him.

What else is wrong with the installation? Installing over a damp surface is not the end of the world. Shingles aren't air tight and any water in there will work itself out in short order. They build elaborate homes in the rain all the time.
by MindBogler
Tue Sep 25, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4406

Re: Anyone ever tired of managing hair and consider shaving to go bald

What stigma? I've been shaving my head for a decade and I work in a professional setting. It's never been an issue and it sure makes the morning routine easier. If you shave your hair and then grow a beard that's about as good as it gets! :beer I agree...I did the grow a beard thing too! I don't th...
by MindBogler
Tue Sep 25, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4406

Re: Anyone ever tired of managing hair and consider shaving to go bald

It grows back really fast, I wouldn't worry about it. My spouse does it for me so it also saves a lot of money. :twisted:
by MindBogler
Tue Sep 25, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4406

Re: Anyone ever tired of managing hair and consider shaving to go bald

What stigma? I've been shaving my head for a decade and I work in a professional setting. It's never been an issue and it sure makes the morning routine easier. If you shave your hair and then grow a beard that's about as good as it gets!

:beer
by MindBogler
Mon Sep 24, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate: gross or net?
Replies: 68
Views: 8800

Re: Savings rate: gross or net?

Not the oldest thread bump I've seen but still...

I'm in the camp that uses gross income. I think it is simple and that is something we could use more of around these parts. It's easy to get caught up in analysis paralysis.
by MindBogler
Sun Sep 16, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2514

Re: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.

I lost interest in the article immediately upon reading the title. This modern day practice of describing one's premise in the title of an article is nothing more than a dog whistle for those who cannot think crtically for themselves.
by MindBogler
Thu Aug 30, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: # of accounts vs wealth perception
Replies: 14
Views: 1620

Re: # of accounts vs wealth perception

The only thing that give me any perception is the line on my spreadsheet labeled "Total". Bingo! I do the same thing, all of the various accounts are aggregated into a spreadsheet where I track my total portfolio, $ in each desired category (SV,LC,bonds,Int, etc), and percentage + nominal deviation...
by MindBogler
Wed Aug 29, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) error
Replies: 7
Views: 830

Re: 457(b) error

The payroll dept now tells me that it was up to me to fill out a form to continue the flow of deduction funds into my account upon starting my benefited position though nobody said anything or provided any paperwork during my transition process. .... Thoughts? Chalk this up as a life lesson. Any ti...
by MindBogler
Fri Aug 24, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Is SSD PCIe storage suitable for a database?
Replies: 15
Views: 1074

Re: Is SSD PCIe storage suitable for a database?

Can't you just have cloud storage for all of this? It's only a few TB. Wouldn't access and transaction processing be fast enough for users? That really depends on latency and a bunch of other things. People deploy dbs in the cloud all the time. The use case matters. They also put the database consu...
by MindBogler
Fri Aug 24, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Is SSD PCIe storage suitable for a database?
Replies: 15
Views: 1074

Re: Is SSD PCIe storage suitable for a database?

How are they mirrored? In a hardware raid controller or software? Software raid is not a good solution for production environments. The question of backup and disaster recovery is independent. You should have a recovery mechanism in place regardless of the technological implementation. That said, SS...
by MindBogler
Sun Jul 29, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 3055

Re: Mortgage Pay Off...best method?

Any reasoning as to why not pay it off? I got the loan in 2011 @ 4.5% 30 yr conventional, but never refinanced since then. I don't have any debt besides the mortgage. I am self employed, so I only have a Roth IRA which I started this year (pretty late, I know) and maxed the contributions. I'll also...
by MindBogler
Thu Jul 26, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 14
Views: 1552

Re: Buying a used car..how many owners is too many owners?

I'm in the market for a minivan (Sienna/Odyssey flavors) and of all the ones I've seen that are reasonably priced with lower mileage, they have 3+ owners. These vehicles are 6-7 years old, and upon checking the Carfax reports, they were sold 3+ times (not just owners moving). 3 sounds a bit excessi...
by MindBogler
Thu Jul 26, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Medical records breach
Replies: 21
Views: 2083

Re: Medical records breach

Thoughts, suspicions, advice on taking action against "Chronic Pain Speicalists"? You errored in this situation by interacting with an unsolicited caller. They're playing a numbers game and you took the bait. The chances that your medical records were breached are almost zero. You fell into a commo...
by MindBogler
Fri Jul 20, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Reevaluating mortgage payoff strategy
Replies: 63
Views: 6356

Re: Reevaluating mortgage payoff strategy

Paying off a 2.6% mortgage is not a rational financial decision. It is completely an emotional one. It flummoxes me to no end how so many Bogleheads advocate an emotional decision in this case. I agree 100%. You have a great rate that is easily beat with safe assets. Inflation is already running hi...
by MindBogler
Thu Jul 19, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2382

Re: The other side of stock buybacks

CEOs are fleecing the U.S. Treasury. Unemployment is at levels basically not seen since right after WWII. OMB just released 2019 budget deficit projection of $1,085 billion ($1.085 trillion). 2015 budget deficit was $438 billion. Any economist would tell you that during periods of great economic ex...
by MindBogler
Wed Jul 18, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 361
Views: 17806

Re: Direct Real Estate Returns

This thread is hilarious. Bad math. Assuming 3% - 5% real rates of appreciation for all RE investments. Just glazing over the difference between recourse and non-recourse financing like it's no big deal. Apparently negative cash flow time periods, vacancies, and capital repairs/improvements can be ...
by MindBogler
Thu Jul 12, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 10116

Re: What rate of return are you using for retirement projections?

I assume ~5% real return on a 75/25 portfolio with a 15-20 year horizon. I see no reason to expect returns over this period to be abysmally low compared to the long term historic average, though I do believe they are likely to be lower for the upcoming 5-10 year period unless something changes drama...
by MindBogler
Wed Jul 11, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 64
Views: 9245

Re: The value of international stocks, in pictures

My position, given the fact that returns with / without international equity are close enough, hedging one's bet against a sustained equity downturn in the US is worth doing. It may very well come out behind in 20 years but we can't know what the future holds. Japan is the cliché example that is typ...
by MindBogler
Tue Jul 10, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 5148

Re: 30 Year vs 15 Year Mortgage

Go with a 30 year and don't even accelerate the payments. Put your accelerated payments in a taxable account and then when you have the liquidity to pay it off (or not) make your decision. For everyone telling you the 15 year is a slam dunk, I have to respectfully disagree. That advice is couched in...
by MindBogler
Sun Jul 01, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 732

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

This seems odd to me. I'm surprised you cannot do a direct custodian to custodian transfer instead of a rollover. I'm not familiar with your particular situation, but normally when doing a rollover, tax is withheld and the check is sent in your name, then you have 60 days to deposit it into the new...