Search found 3673 matches

by Ged
Fri Apr 19, 2019 11:29 pm
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 45
Views: 2580

Re: Hedging against hyperinflation scenario

Guns are one of the best investments in periods of hyperinflation: (I) they are good for bartering, (ii) provide protection from people taking your assets, and (iii) provide a way to transfer assets into your possession via voluntary or involuntary surrender of those assets. YMMV depending on local...
by Ged
Fri Apr 19, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Cape Cod to Colonial
Replies: 4
Views: 560

Re: Cape Cod to Colonial

My first house was a Cape Cod so I am familiar with that design. The problem is that in addition to not having enough bedrooms you are likely to have other deficits such as insufficient bathroom and storage space.
by Ged
Fri Apr 19, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: How Do I Protect My Portfolio Against HyperInflation?
Replies: 48
Views: 8058

Re:

Then in the 1970s we got to 21-22% inflation. Basket case economy for a number of reasons (trade unionism, bad government policy etc.). The 1970s were also about oil prices. 6x real increase due to OPEC embargo triggered by the Yom Kippur war and then the 1979 decrease in supply due to the Iranian ...
by Ged
Fri Apr 19, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Garage Door Opener Replacement
Replies: 24
Views: 1441

Re: Garage Door Opener Replacement

I have a similar 30 year old garage door opener that was not functioning properly. On investigation it was the drive gear on the opener that was damaged. It was a $5 part on Ebay.

So it is worth figuring out exactly what the problem is.
by Ged
Fri Apr 19, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 45
Views: 2580

Re: Hedging against hyperinflation scenario

My wife's family lived through a period of hyperinflation (500% in one year) in Chile. The main things that they experienced were: 1. Rapid price increases of necessities. You were especially hard hit if you needed something like insulin. 2. Black markets using currencies like USD as alternatives. B...
by Ged
Wed Apr 17, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 39
Views: 3789

Re: Not Maxing 401K OK?

I think the primary rule of thumb is to contribute enough to 401K(s) to get any employer match. After that YMMV as to what the best strategy is.
by Ged
Wed Apr 17, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2657

Re: Insurance Advice after bicycle accident

SimonJester wrote:
Wed Apr 17, 2019 1:00 pm
I would not be surprised if your medical insurance comes back and files a subrogation claim against the drivers insurance.
+1

Anything you collect from the other driver may be subject to a claim from your insurance company to defer their costs in paying for the medical care involved.
by Ged
Mon Apr 15, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4437

Re: Boston area - nice towns for families

It’s unfortunate how children’s comfort surpasses realistic pragmatism these days. 8-) I would reframe this and reverse the conclusion: What's really unfortunate is that relentless achievement pressure surpasses concern for children's emotional health and interest in learning. It's a world wide eco...
by Ged
Mon Apr 15, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Please drop the politics comment.....Just want a place based on criteria not on my comment of wanting to leave CA P.S, dropped the first sentence Santiago, Chile. Actually that's a pretty good one. Climate along the coast of Chile is a mirror image of California. Santiago is basically LA climate ex...
by Ged
Mon Apr 15, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Recommend a reversible glue for sticking plastic to metal
Replies: 11
Views: 588

Re: Recommend a reversible glue for sticking plastic to metal

The things that would reverse a glue I know of would likely damage acrylic.

I'd try silicone adhesive. It's soft and not abrasion resistant so it can be removed by rubbing. It would be pretty tedious though if the thing being glued is complex or large.
by Ged
Sun Apr 14, 2019 8:11 pm
Forum: Non-US Investing
Topic: New to Investing From Honduras
Replies: 3
Views: 356

Re: New to Investing From Honduras

I think safety of principal and liquidity should be considered as important if not more important than return.
by Ged
Sat Apr 13, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13964

Re: How often do you check your net worth?

I look at my brokerage and bank account monthly at bill pay time. I don't think I've ever made an effort to determine my net worth more precisely than +/- 20%.

Probably because I would not have any particular use for the information.
by Ged
Sun Apr 07, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: Fidelity, Schwab unseat Vanguard in new phase of fintech
Replies: 29
Views: 3606

Re: Fidelity, Schwab unseat Vanguard in new phase of fintech

When my father passed I learned what a difference real customer service makes. Of the financial institutions I dealt with as executor Fidelity was easily the best. If you mean best customer service, I'm not surprised. But I wonder if someone looked at how many heirs wound up in low cost index funds...
by Ged
Sat Apr 06, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity, Schwab unseat Vanguard in new phase of fintech
Replies: 29
Views: 3606

Re: Fidelity, Schwab unseat Vanguard in new phase of fintech

This doesn't address those of us who use a mixed approach. I hold my Vanguard funds at Fidelity and have gotten what I consider the best of both worlds. Fidelity's wider range of services and Vanguard's great funds. Do you actually hold MFs or the ETF equivalent? I thought Fidelity charged big doll...
by Ged
Fri Apr 05, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3437

Re: What is this weed in my lawn?

Don't use roundup. It will also kill your yard along with the weed! (Don't ask me how I know...) Yes, RoundUp is a broad spectrum herbicide. The only places you would use is on an area where you wanted to kill all plants. As far as the article: https://www.pnas.org/content/115/41/10305 It is highly...
by Ged
Fri Apr 05, 2019 12:47 pm
Forum: Investing - Theory, News & General
Topic: Fidelity, Schwab unseat Vanguard in new phase of fintech
Replies: 29
Views: 3606

Re: Fidelity, Schwab unseat Vanguard in new phase of fintech

This doesn't address those of us who use a mixed approach. I hold my Vanguard funds at Fidelity and have gotten what I consider the best of both worlds. Fidelity's wider range of services and Vanguard's great funds.
by Ged
Tue Apr 02, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to Do with Spouses State Retirement Balance?
Replies: 9
Views: 614

Re: What to Do with Spouses State Retirement Balance?

Some states have questionable ability to meet their pension obligations. Which state you are in is an important consideration for understanding the likelihood that your state will fulfill their 4% promise.
by Ged
Mon Apr 01, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: English /Spanish dictionary suggestions ??????
Replies: 15
Views: 564

Re: English /Spanish dictionary suggestions ??????

What scale are you looking for? They have anything from pocket to unabridged.

Plus they have online free lookup with audio files for pronunciation.
by Ged
Sat Mar 30, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 257
Views: 20968

Re: "The best and worst U.S. states for retirement"

Nobody is average. My personal situation is different than the averages, and different than any individual making the same decision. Agreed. I live in NJ which is supposed to be one of the worst. Well for me it's the best because I can afford it and I'm close to friends and family here. This is not...
by Ged
Sat Mar 30, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 3911

Re: TVs: OLED vs. QLED

Not a millennial. My father was one of those amazing people we now call the Greatest Generation. I remember as a young boy the family receiving a delivery of its first TV, and watching the Howdy Doody show in it. 60+ years ago. I recently purchased an 85" Sony 900F. I strongly considered LG OLED and...
by Ged
Sat Mar 30, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Water Heater Anode Replacement
Replies: 24
Views: 1648

Re: Water Heater Anode Replacement

I have a Bradford-White gas hot water heater in my garage that was installed about 30 years ago. As far as I can tell there was never any maintenance performed on it. It still functions great. It is not near anything that would be damaged if it started leaking. The water would just run out the gara...
by Ged
Fri Mar 29, 2019 6:24 pm
Forum: Personal Investments
Topic: How often do you check your accounts?
Replies: 53
Views: 2928

Re: How often do you check your accounts?

Average once a week or so, but since I use Fidelity as a one stop services provider I'm there to look at day to day stuff like checking account and credit card balances more than the brokerage accounts.
by Ged
Fri Mar 29, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Water Heater Anode Replacement
Replies: 24
Views: 1648

Water Heater Anode Replacement

I have a Bradford-White gas hot water heater in my garage that was installed about 30 years ago. As far as I can tell there was never any maintenance performed on it. It still functions great. It is not near anything that would be damaged if it started leaking. The water would just run out the garag...
by Ged
Wed Mar 27, 2019 6:03 pm
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 71
Views: 6030

Re: Experience with Edward Jones?

Our local county does the "Best of 2019" survey every year through the local paper. I was filling out my choices today (restaurants, services, etc) and was shocked to see the local EJ guy as one of the picks for Best Investment Manager. I immediately started a campaign with family and friends to se...
by Ged
Tue Mar 26, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: tax return e-file still pending after 3 days
Replies: 4
Views: 452

Re: tax return e-file still pending after 3 days

I e-filed my taxes last Saturday, March 23 using TurboTax. It's been 72 hours and the federal and California returns are both still "pending." Has anyone else had a delay in their returns being accepted? I looked through last year's e-file records. Both returns were accepted within 15 minutes of be...
by Ged
Mon Mar 25, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2327

Re: New Fridge?

New refrigerators are more energy efficient but don't last as long. I think the interiors are better too. I bought a new Whirlpool a couple of years ago that I'm ok with. The only issue with it is that it seems temperature regulation isn't quite as good as the previous one. They have some models aro...
by Ged
Sat Mar 23, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1109

Re: What consideration do you give to product reviews?

dlabel wrote:
Fri Mar 22, 2019 9:48 am
I find Fakespot helpful for determining whether Amazon reviews for a particular product are trustworthy.
ReviewMeta is probably better.
by Ged
Thu Mar 21, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 16
Views: 983

Re: Google fi users - happy with it and recs?

I've had Google Fi for about 4 years now. I don't travel a lot in the US, so can't comment on US coverage much. However it is great for international travel. I've been all over Europe on river cruises etc. Waking up in Finland and having service with no fiddling around is excellent. My wife is in Ch...
by Ged
Wed Mar 20, 2019 3:59 pm
Forum: Personal Investments
Topic: Role of Pensions and Social Security in Asset Allocation
Replies: 147
Views: 6932

Re: Role of Pensions and Social Security in Asset Allocation

I think the likely need for funding expensive care late in life needs to be considered in any asset allocation scheme. This makes a high equity allocation past age 70-75 seem quite risky to me.
by Ged
Mon Mar 18, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 3675

Re: Calling Volvo and Audi owners! Reliabilty questions

Yes, thanks for the information on Audi repair costs. They are no longer on my list of potential car brands.
by Ged
Fri Mar 15, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: very concerned about stock/bond movement
Replies: 55
Views: 4190

Re: very concerned about stock/bond movement

A 1-2% stop loss will pull you out of the market after a loss occurs, and unless you act quickly will leave you out when the rebound happens. It's a money losing strategy. The best thing is what you have already done. Establish a good asset mix to reduce risk. You have a quite conservative mix. Depe...
by Ged
Wed Mar 13, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10082

Re: What are your personal experiences with downside of early retirement?

And my point still stands. The results across the United States vary tremendously. Places like Massachusetts are near the top world-wide. Massachusetts is one of the wealthiest states in the USA. I assume that is partly because it attracts some of the most educated people from around the country (a...
by Ged
Wed Mar 13, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: When Does Vanguard's Patent(s) Expire?
Replies: 42
Views: 6348

Re: When Does Vanguard's Patent(s) Expire?

Since the OP's question was answered, and the topic of things that shouldn't be patentable has been brought up, I'd like to nominate what I consider to be the most outrageous patent: Amazon's One-Click ordering. Even I would have to admit that I don't think it's done much harm, but they should stil...
by Ged
Tue Mar 12, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10082

Re: What are your personal experiences with downside of early retirement?

As far as comparing Singapore or Finland to Massachusetts, why not? They are very similar in size. You are way off base. I am not in the education profession. I am simply pointing out that your reading of the PISA data is ridiculous. The fact you are making this personal attack is evidence of that, ...
by Ged
Tue Mar 12, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10082

Re: What are your personal experiences with downside of early retirement?

The point of my post stands though as the students were no. 1 on confidence on their potential results right after the exam only to be middle of the pact in 2/3 and near the bottom on the other subject. I would say that constitutes overconfidence. Good luck. I went to the PISA web site. http://www....
by Ged
Mon Mar 11, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Repair or Sell 2002 Avalon
Replies: 32
Views: 2326

Re: Repair or Sell 2002 Avalon

I have a 2001 Solara V6 that a son drives that I just put in about $2000 in maintenance including brakes and timing belt. Cosmetically it isn't bad - no peeling paint etc. It runs well. I can see it easily lasting 5 more years. Of all the cars I have it has by far the largest trunk. It also has ESC ...
by Ged
Mon Mar 11, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10082

Re: What are your personal experiences with downside of early retirement?

Interestingly, if you look at the behavioral aspect I wonder if this is a U.S. centric issue? The studies support our children being overconfident in their educational prowess despite having some of the worst test scores year after year. Some parts of the US get very good test scores. http://tumble...
by Ged
Sun Mar 10, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10082

Re: What are your personal experiences with downside of early retirement?

Interestingly, if you look at the behavioral aspect I wonder if this is a U.S. centric issue? The studies support our children being overconfident in their educational prowess despite having some of the worst test scores year after year. Some parts of the US get very good test scores. http://tumble...
by Ged
Sun Mar 10, 2019 3:57 pm
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 39
Views: 3579

Re: Thoughts on VNQ?

I had some success with VNQ because of the unusual financial conditions around the Great Recession. I don't think that those conditions apply now and I don't think there are is any rational reason to believe that they will perform better than other assets so I go with market weighting of REITs.
by Ged
Fri Mar 08, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: I need to ethically reneg on a large eBay purchase
Replies: 39
Views: 4864

Re: I need to ethically reneg on a large eBay purchase

Buyer Remorse on EBay is one of the hazards of being a seller on that platform. It is not the worst thing that could happen to a seller by a long shot.
by Ged
Mon Mar 04, 2019 6:04 pm
Forum: Personal Investments
Topic: Mechanics of 401k rollover to IRA
Replies: 13
Views: 581

Re: Mechanics of 401k rollover to IRA

I think it is beneficial to roll over your 401K to an IRA if your state protects the IRA. You will have far more fund options and significantly lower costs, and you will not be vulnerable to issues like corporate takeovers, restructurings and bankruptcies that could prevent you from accessing your a...
by Ged
Sat Mar 02, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 4644

Re: Thinking of Buying a Watch - Recommendations?

Citizens Eco models - self-charging (solar cell), so no batteries or winding. Mine is 9 years and counting - no problems! Amazon - starting at less than $70. Yes, I like these as well. There is a wide range of models to fit your desires and budget. I have a Navihawk. Ordered a model that is only so...
by Ged
Fri Mar 01, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 1999

Re: Car Navigation System Update

I have a 2012 Acura with in dash Nav. I update the Nav every 2 years with a DVD. I think the updates are useful as they pick up changes in the long distance routes I take from time to time. The traffic information is useless. I could not see myself fumbling with a dash mounted phone. The screen is t...
by Ged
Fri Mar 01, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7094

Re: BH could you live off your SS benefit?

My wife and I combined, yes. Me, alone on just mine? Not in this home. The RE taxes would kill me.
by Ged
Fri Mar 01, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 11504

Re: When were you convinced that you had more than enough money?

March 2012. I retired then, after I submitted my information for evaluation here and received a positive response. The Bogleheads were right. Even though I delayed Social Security my investments have grown faster than my spending. I'm not giving it away to charity because I think my children will n...
by Ged
Fri Mar 01, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 11504

Re: When were you convinced that you had more than enough money?

March 2012. I retired then, after I submitted my information for evaluation here and received a positive response. The Bogleheads were right. Even though I delayed Social Security my investments have grown faster than my spending. I'm not giving it away to charity because I think my children will ne...
by Ged
Fri Mar 01, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: “Market Always Goes Up” defense without past performance
Replies: 143
Views: 8669

Re: “Market Always Goes Up” defense without past performance

Some of the responses in here have been excellent. I particularly like the point below about trusting the US economy in general. It isn't a matter of just the US economy. Most of us are invested more widely than that. It's a matter of believing that mankind will continue to make progress. There is ...
by Ged
Thu Feb 28, 2019 7:47 pm
Forum: Forum Issues and Administration
Topic: Keep Bogleheads Free! (as in unaffiliated)
Replies: 52
Views: 5074

Re: Keep Bogleheads Free! (as in unaffiliated)

In the spirit of making this actionable, how can a normal poster like me contribute financially to the forum so that it can indeed remain user-supported and free? Preferably online. :) Two ways I know of. It is possible to make a charitable contribution to the Bogle Center for Financial Literacy wh...
by Ged
Thu Feb 28, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Which dept to pay down 1st? Mortgage w/pmi or student loan?
Replies: 10
Views: 635

Re: Which dept to pay down 1st? Mortgage w/pmi or student loan?

Have you payed off any consumer debt, setting up an emergency fund and funding a 401K up to your employer's match?

After that I'd probably do the student loan first.