Search found 3605 matches

by Ged
Tue Jan 15, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 73
Views: 2191

Re: Any good reason to get a smartwatch?

Depends how smart. I have a moderately intelligent watch (Fitbit) that I use to track my workouts. It justifies being a separate device by sitting on my wrist and measuring heart rate. It also sends me an email occasionally reminding me to recharge it. Anything more elaborate I don't particularly ha...
by Ged
Sun Jan 13, 2019 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6655

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I do not think it is Boglehead orthodoxy to claim rebalancing augments returns. The primary purpose is to reduce volatility, which for many makes it easier to 'stay the course'.
by Ged
Wed Jan 09, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 182
Views: 18318

Re: Fidelity as a one stop shop

very good Visa card with US Bank that gives you 2% on all transactions that you can deposit back into your account; ATM reimbursement; collision damage waiver on rental cars; Minor correction: the Fidelity Visa credit card is through Elan Financial, while the debit/ATM card is serviced through BNY ...
by Ged
Sun Jan 06, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are we at "Peak FI"?
Replies: 93
Views: 9844

Re: Are we at "Peak FI"?

BeanCity wrote:
Sun Jan 06, 2019 3:30 pm

Feel free to share your experiences, opinions, war stories on this.
My opinion is that people who Boglehead philosophy appeals to are fairly unlikely to overextend due to a robust economy. Less so the general population.
by Ged
Sun Jan 06, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 28972

Re: Social Security for Millennials

I'm not basing my retirement plan on "income replacement" since I don't live on my entire income now. I am 6 years into retirement and have not started taking Social Security yet. For most of my working life I saved 15% of my income. I feel that I could do without SS indefinitely. Of course this wo...
by Ged
Sun Jan 06, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4743

Re: For those retired a few years

Six years into retirement we are spending more on personal wants chiefly because we have a bucket list and finally the time to tick off the items on it. I wouldn't call it going crazy though. We also don't have a mortgage, or many other big ticket items anymore so overall it isn't threatening our ne...
by Ged
Fri Jan 04, 2019 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Two years from retirement - what's more important?
Replies: 57
Views: 2582

Re: Two years from retirement - what's more important?

The issue of extended market crashes is important for strategy in retirement. I believe retirees should consider refraining from rebalancing into stocks if it would put bond and cash levels below what would be needed for 10-15 years of spending.
by Ged
Wed Jan 02, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9716

Re: Are we officially in bear market ?

Alexa9 wrote:
Wed Jan 02, 2019 8:59 am
The terms bear/bull market are not helpful to me
I don't think they are helpful to anyone. Winning investing isn't about recent market history. It's a long game for the decades.
by Ged
Tue Jan 01, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2494

Re: Snow Plowing

I used to live in a suburb of Syracuse, on a west facing hill. Only the Maker knows how much snow we got. I tried with a lawn tractor mount snowblower for a few years and it worked ok except when it got to the end of the driveway. Then it was a struggle. After a couple of years of that we found a g...
by Ged
Tue Jan 01, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2494

Re: Snow Plowing

We live in Syracuse, NY, with 120" average of the white stuff each season. We have always hired someone to plow our driveway. He comes whenever the snow is over 4 inches. Depending on the snowfall each year, the year's bill can vary from $300-600. This year we researched and considered (again) the ...
by Ged
Thu Dec 27, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Fulbright scholar
Replies: 7
Views: 820

Re: Fulbright scholar

The Fullbright program has been great for me personally. My wife was a Fullbright Foreign Student from Chile here in the US working on a English Lit PhD when I met her. We have been married for 44 years.
by Ged
Thu Dec 27, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 6804

Re: Why stay the course? Why not sell all?

Let’s say, hypothetically speaking of course, that there is a good chance stocks will fall in the next few weeks/months. Assuming this information to be true, what merits does staying the course have? Wouldn’t it be more sensible to sell all of my funds now (assuming a profit, of course), and rebuy...
by Ged
Wed Dec 26, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Hassle Factor Changing Credit Cards
Replies: 23
Views: 1655

Re: Hassle Factor Changing Credit Cards

I think it is a good idea to have at least two credit cards in case one should get hacked or lost.
by Ged
Wed Dec 26, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781756

Re: U.S. stocks in free fall

AlphaLess wrote:
Tue Dec 25, 2018 11:13 pm
Ged wrote:
Tue Dec 25, 2018 10:57 pm
I have met programming languages
How do you 'meet' programming languages?
The work meet is very flexible.

The root is Old English mētan ‘come upon’, of Germanic origin; related to Dutch moeten, also to moot.

https://en.oxforddictionaries.com/definition/meet
by Ged
Tue Dec 25, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781756

Re: U.S. stocks in free fall

I hear that from the bots all the time. What language to the bots speak? All programming languages I’ve used (12?) - and I’d dare say all of them ever in invented - are ostensibly in English, so that’s your answer. ;) I have met programming languages written in other human languages. It's actually ...
by Ged
Tue Dec 18, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 49
Views: 5752

Re: So...do I keep buying more equities?

Should I keep buying into the market as its dropping? Feel like at this point that any day it drops 1% to 2% or more, I should just keep buying a small portion of it and reduce my overall cost basis. If something drops in price at the grocery store what do you do? What do you do when some crashes t...
by Ged
Tue Dec 18, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 49
Views: 5752

Re: So...do I keep buying more equities?

justsomeguy2018 wrote:
Mon Dec 17, 2018 10:51 pm
Should I keep buying into the market as its dropping? Feel like at this point that any day it drops 1% to 2% or more, I should just keep buying a small portion of it and reduce my overall cost basis.
If something drops in price at the grocery store what do you do?
by Ged
Mon Dec 17, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5489

Re: Gift Ideas for wife

I got my wife a cool music system. It's a Como Audio Musica. Plays streaming stuff off the internet, your WiFi, CDs and files off a memory stick. Supports Bluetooth, Internet radio stations, and also FM.
by Ged
Sun Dec 16, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20289

Re: What Happened to you during the Financial crisis of 2007–2008

The Great Recession occurred before I found and started using the Boglehead approach. I would probably have twice the financial assets I have now if I found it earlier. Still no regrets, I am quite comfortable now. Prior to the financial crises my father started expressing concern with the unusual l...
by Ged
Sun Dec 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19489

Re: Favorite Purchase of 2018?

Roomba 980.
by Ged
Sun Dec 16, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20289

Re: What Happened to you during the Financial crisis of 2007–2008

I was in Canada at the time and luckily we escaped most of the carnage that was happening here, plus I stayed gainfully employed. I’m frankly terrified of what’s in store when the next recession hits. For those of you familiar with Peter Schiff, I was listening to a podcast the other day where he s...
by Ged
Wed Dec 12, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1977

Re: Desktop Computer. All in one or separate? And which one?

What components do you get 15 years out of? Keyboards, cases, optical drives are some examples. I have a couple of Model M keyboards that are certainly much more than 15 years old. I recently did an upgrade of a 10 year old machine for my brother. New video card, power supply and hard drive. The ma...
by Ged
Wed Dec 12, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1977

Re: Desktop Computer. All in one or separate? And which one?

The selection of a computer starts with a list of the software that you want to run well and hopefully an idea of how that list will change with time. A computer built to run Avid Media Composer will be very different from something that is going to run Google Docs. Personally I would never buy an a...
by Ged
Tue Dec 11, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Shrinking dividends?
Replies: 30
Views: 4153

Re: Shrinking dividends?

I dislike dividends. They reduce my flexibility to manage my taxes. They are taxed at a higher rate. I'd much rather have that income in the form of capital gains which if I am careful may escape taxation completely either through management of my stock sales or estate planning. Savvy investors come...
by Ged
Sat Dec 08, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 5544

Re: Has anyone adjusted their stock allocation on the dip?

I'm retired and am spending some of my savings now while waiting to take SS in a couple of years. I'll be withdrawing money with an eye towards maintaining my target allocation.
by Ged
Sat Dec 08, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1737

Re: Microsoft : Edge Being Replaced by Chromium

At minimum, it is good for web developers, as they have one fewer layout engine to test. It will also likely increase competition between Edge and Chrome. Both will render pages equally well, so it will be all about the other features that wrap around the layout engine. Yes, it is good for develope...
by Ged
Fri Dec 07, 2018 12:37 am
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7144

Re: Anybody Miss the Crypto Rage on BH Forums

Kiter wrote:
Wed Dec 05, 2018 4:24 pm
Stockpiled guano
Useful at one time but the Black Swan of the Haber - Bosch Process crashed that market.
by Ged
Sun Dec 02, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Quality Kitchen Faucet Recommendations?
Replies: 36
Views: 2857

Re: Quality Kitchen Faucet Recommendations?

I had a 40 year old Moen bathroom faucet start leaking on me. The replacement cartridge was still available.
by Ged
Fri Nov 30, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4941

Re: Robot Vacuum Cleaner?

I have a Roomba upstairs and downstairs. Run them daily with 3 dogs in the house. They work like a charm. I did have one of the early ones too, and like your experience, was not happy. The new ones are great! Ditto. I love my 980, after having bought the original Roomba way back when and not having...
by Ged
Fri Nov 30, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4614

Re: How do Bogleheads justify taking vacation?

J295 wrote:
Thu Nov 29, 2018 10:45 pm
Family.
Exactly. Before I retired vacation was mostly spent on family. Visit parents, siblings, in-laws etc.

Now that I am retired I'm visiting more of those far away places I didn't have time for while I was working.
by Ged
Mon Nov 26, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 2052

Re: Upgrade Canon 60D to FF or new iPhone?

A telephoto lens can also be a prime lens. Prime vs zoom is orthogonal to focal length. However if she takes her kit on airplanes or hiking weight and size become issues. Something to consider when buying. I've taken full frame cameras on cruises and what I've ended up taking is smaller aperture le...
by Ged
Sun Nov 25, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 2052

Re: Upgrade Canon 60D to FF or new iPhone?

A telephoto lens can also be a prime lens. Prime vs zoom is orthogonal to focal length. If she is skilled enough for the difference between prime and zoom lenses to matter she will appreciate the difference between a crop and a full frame camera. However if she takes her kit on airplanes or hiking ...
by Ged
Sun Nov 25, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 4752

Re: How many vacations per year is optimal?

Sandtrap wrote:
Sat Nov 24, 2018 10:06 am
DW and I are retired.
Every day feels like we're on vacation.
:D
Exactly. One vacation per year is optimal.
by Ged
Sun Nov 25, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 2052

Re: Upgrade Canon 60D to FF or new iPhone?

A telephoto lens can also be a prime lens. Prime vs zoom is orthogonal to focal length. If she is skilled enough for the difference between prime and zoom lenses to matter she will appreciate the difference between a crop and a full frame camera. However if she takes her kit on airplanes or hiking w...
by Ged
Sun Nov 25, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14239

Re: What is your allocation to U.S. and International?

Being retired I don't have the personal capital of a younger person so I am

50% (80% US Total Market/20% Ex US Total Market) equities
50% (80% Medium Term/20% Short Term) all US bonds

I guess my idea is to take my risk on the equity side of things.
by Ged
Sat Nov 24, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: How to invest for the long haul with black swans on the horizon
Replies: 14
Views: 1573

Re: How to invest for the long haul with black swans on the horizon

AlphaLess wrote:
Sat Nov 24, 2018 5:45 pm

GDP could take a 10% or more hit

in the next few decades

Any thoughts would be appreciated.
Non-actionable noise.
by Ged
Sat Nov 24, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Car advice - new attending - what to buy?
Replies: 37
Views: 3785

Re: Car advice - new attending - what to buy?

Honda and Toyota are really where you should be looking, the Accord and Camry are solid cars that would be reliable. In winter snow in the Mid-Atlantic region your biggest concern will be other drivers who are incompetent in the snow. Really there isn't any great need with your income to buy used. T...
by Ged
Tue Nov 20, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13259

Re: Can someone explain what's going on [with the stock market]?

No, it is inexplicable. Like the motions of a particular molecule of gas in a room it is unpredictable.

The longer term, bulk motion of both the gas and the market is much more certain. The best approach is to base your actions on what is predictable.
by Ged
Mon Nov 19, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: How to share sensitive text & image between computer and phone?
Replies: 21
Views: 1545

Re: How to share sensitive text & image between computer and phone?

Hi BHs, Can you please recommend a method to do the following: 1. Securely transmit some text (a phrase) or a photo from smartphone to Windows computer. 2. Do the reverse: Securely transmit some text or an image from Windows computer to smartphone. Is the smart phone Android? If so: GPG, OpenKeyCha...
by Ged
Mon Nov 19, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: How to share sensitive text & image between computer and phone?
Replies: 21
Views: 1545

Re: How to share sensitive text & image between computer and phone?

Hi BHs, Can you please recommend a method to do the following: 1. Securely transmit some text (a phrase) or a photo from smartphone to Windows computer. 2. Do the reverse: Securely transmit some text or an image from Windows computer to smartphone. Is the smart phone Android? If so: GPG, OpenKeyCha...
by Ged
Wed Nov 14, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 55
Views: 5179

Re: Northwestern Mutual nightmare - help needed

Forgive me Bogleheads for I have sinned. I am extricating myself from a nightmare Northwestern Mutual entanglement, where I've had a 3 year relationship Grats, you caught it early. Later you would have a dozen annuities, an assortment of non-marketable REITs, private investments and a variety of ot...
by Ged
Mon Nov 12, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2831

Re: How long have you had, or did you have, your HP-12C calculator?

I have a collection of HP calculators of which the oldest one is an HP 41C. It was built in 1980. The 41C was used on early Space Shuttle flights as a supplement to the onboard flight computers that were short on capacity for certain work. It still works, although I've had to have the battery pack r...
by Ged
Fri Nov 09, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10980

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by Ged
Thu Nov 08, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10980

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by Ged
Tue Nov 06, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15175

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

Wife and I are about 70. Net worth excluding value of pensions and SS is about $2M.

We expect that pensions and SS will support us in comfort except possibly for some EOL care.

The two children will get what is left when we are gone, hopefully no time soon.
by Ged
Sun Nov 04, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6378

Re: Do I need more than Original Medicare?

Part D lets you switch plans on a yearly basis. So you can sign up for an inexpensive plan that gives some protection to start, and if your needs change choose a new plan that fits your needs better the next year. There are online tools at MyMedicare.gov that help you choose the best plan for you gi...
by Ged
Sun Nov 04, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Diversification Regret
Replies: 114
Views: 13555

Re: Diversification Regret

nisiprius wrote:
Fri Nov 02, 2018 11:43 am
I like the idea and the chart (except for the unnecessary decoration represented by the vertical "brush strokes.")
Edward Tufte would agree.

It really is hard to avoid this emotion but as you gain experience and lose your memory with age it becomes less of a problem.
by Ged
Mon Oct 29, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out at 39 yrs old.
Replies: 37
Views: 5407

Re: Just starting out at 39 yrs old.

prudent wrote:
Mon Oct 29, 2018 12:22 pm
One commonly stated target is to have 25 times your annual expenses saved at retirement.
I think the above goal should be stated 25 times the amount you plan to withdraw from savings each year.
by Ged
Fri Oct 26, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: R2 (R squared) comparison tool?
Replies: 7
Views: 556

Re: R2 (R squared) comparison tool?

Does anyone know of a good tool (mutual fund screener, perhaps?) for comparing mutual funds to assess their R squared values in order to determine how highly correlated they are? I have a general table from the Bogleheads book, but these values may not be current. Thanks in advance to all! If you h...