Search found 3431 matches

by Ged
Thu Apr 26, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 86
Views: 4894

Re: How did you tell the boss you're leaving/retiring?

Thesaints wrote:
Wed Apr 25, 2018 5:10 pm
Not sure what your problem is. If you retire what do you care about what your ex-boss thinks ?
Exactly. Retirement is your boss's problem. Not yours.
by Ged
Wed Apr 25, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 2749

Re: New car pickup today.

In November 2017 I purchased a 2017 CRV and purchased a Honda 120k mile 8 year extended warranty for $1110 the dealer wanted $2200 for the same Honda Warranty. The warranty was sold by a Honda dealer in another state, actually found 4 Honda dealers and got quotes from each and went with the cheapes...
by Ged
Tue Apr 24, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: How long have you been unemployed?
Replies: 52
Views: 4235

Re: How long have you been unemployed?

One year. Lost my first real job in 2000 at age 49. Since I had a one year severance package at full pay and bennies I took the year off with only modest effort to find another job. Vacationed in Hawaii etc.

Started a whole new career when the severance ran out.
by Ged
Mon Apr 23, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Website will not allow sign out or log off? How to safely end session?
Replies: 15
Views: 1065

Re: Website will not allow sign out or log off? How to safely end session?

Logging off is for the benefit of the server not the local computer. It allows the server to free up the memory needed to support the user session. If you don't log off this memory is automatically recovered in a few minutes due to inactivity. When you close the browser tab the credentials that are ...
by Ged
Mon Apr 23, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 3707

Re: How long does a will last? [Time to settle the estate]

Normally the executor wants to get it done in less than a year in order to minimize the number of tax returns they have to file while the estate exists.

The slow part of the process is generally getting real estate sold.
by Ged
Mon Apr 23, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: [essay] The Limits of Theory
Replies: 10
Views: 884

Re: [essay] The Limits of Theory

Yes, in theory practice and theory are the same thing.

In practice they are different.
by Ged
Mon Apr 23, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 5604

Re: Factor Investing - A convincing article

Always passive wrote:
Tue Apr 10, 2018 9:40 am
I am convinced!

https://www.advisorperspectives.com/art ... went-wrong

Any comments?
Ceci n'est pas une pipe.
by Ged
Sat Apr 21, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2454

Re: How long have you been employed?

I was employed for 35 years in various jobs. I don't count graduate school as I really only had fellowships that funded the research I needed for my thesis and dissertation anyway.
by Ged
Wed Apr 18, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Planning a week in Yellowstone 2019
Replies: 6
Views: 670

Planning a week in Yellowstone 2019

My wife and I are planning to stay in Yellowstone for a week in 2019.

Which is preferable? June or September? Is a week at the Old Faithful Inn good for a home base or should I change locations during the stay?
by Ged
Tue Apr 17, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

One of the big problems with market timing is that you have to be right twice - when to sell and when to buy. Look through this site and you will find plenty of stories of people who lost money because they couldn't pull the trigger to get back in after the last crash so they missed the recovery and...
by Ged
Mon Apr 16, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: power tool that replaces both allen wrench and screwdriver
Replies: 9
Views: 595

Re: power tool that replaces both allen wrench and screwdriver

Luke Duke wrote:
Mon Apr 16, 2018 2:12 pm
The Milwaukee line of M12 power tools is pretty compact.
I have the M12 power screwdriver. Works great. Not sure it has enough torque for larger size hex socket bolts though.
by Ged
Mon Apr 16, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1098

Re: How do you determine what internet speed you need?

If your family uses a fairly average amount of internet service (no gaming, downloading large files, etc; just surfing web, perhaps one user watching Netflix at a time), what speed is appropriate? Up to now, with a family of three people we have had Verizon's 100/100 service for a while. Was this o...
by Ged
Sun Apr 15, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Google Pixel just died
Replies: 10
Views: 1430

Re: Google Pixel just died

Not sure I want to return it to Google with all my personal info on it. Google already had all your personal data before you bought the phone :-) Not to mention all of your new personal data since you bought the phone. They probably have an image of the data stored on your phone that they can trans...
by Ged
Sun Apr 15, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11137

Re: We crush stock indexes, Yale claims

I found this statement in a link in the report quite interesting:

"The endowment sets performance hurdles for each investment strategy and “structures its partnerships so incentive fees are only paid when external partners outperform their benchmarks on a net basis.”"
by Ged
Sat Apr 14, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3919

Re: Is it necessary to replace brake fluid on a car every 3 years?

I don't think I've ever done it as a routine maintenance operation, however normal car use would cause brake pad service to be required perhaps every 3-5 years. This would normally entail a fluid bleed. Now that I'm retired and putting far fewer miles on my car I'm not likely to do pad service for p...
by Ged
Fri Apr 13, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Employee IPO windfall - mid 7 figures
Replies: 30
Views: 3427

Re: Employee IPO windfall - mid 7 figures

I would immediately sell enough of it to meet a realistic goal of financial independence. There is no way I would take concentrated risk in a single company with the end game in my grasp.
by Ged
Mon Apr 09, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40072

Re: Name something you had to have and now you regret purchasing it?

I've spent too much on power tools. I have an addiction to these things.
by Ged
Mon Apr 09, 2018 8:12 am
Forum: Investing - Theory, News & General
Topic: 96 percent of stocks are no better then TBills
Replies: 29
Views: 6756

Re: 4 of 7 Stocks underperform 1 mo T-Bills

I was about to title this "Stocks underperform T-bills" but that was too click baity. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447 Only the top performing 4 percent of stocks account for all of the gain in the market since 1926. If you think about all those dart-board stock picking a...
by Ged
Sun Apr 08, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14900

Re: Swedroe: Look Beyond 60/40 Portfolio

An older investor ought to be concerned about this and maybe should start thinking about shortening maturities. The other part is international diversification. I think the fact that being 100% in US equities worked great in the past is not a guarantee of future results. Being an older investor als...
by Ged
Fri Apr 06, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7027

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

We are 65/35 stock/bond AA. With a 5% band before rebalancing. Even with the extreme changes lately, we haven't hit our rebalance number yet. If you have 5% bands and haven't had to rebalance the changes haven't been extreme. It takes a fairly large move to trigger a 5% band. If you have $65,000 in...
by Ged
Thu Apr 05, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7027

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

renue74 wrote:
Wed Apr 04, 2018 8:11 am
We are 65/35 stock/bond AA. With a 5% band before rebalancing. Even with the extreme changes lately, we haven't hit our rebalance number yet.
If you have 5% bands and haven't had to rebalance the changes haven't been extreme.
by Ged
Wed Apr 04, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Need advice concerning large gmail (IMAP) account
Replies: 2
Views: 315

Re: Need advice concerning large gmail (IMAP) account

I find that Thunderbird's search performance is quite good providing: 1. You compact the folders periodically. 2. You keep the mail archive on an SSD. 3. You have Global Search enabled. Global search ( Tools -> Options -> Advanced -> General -> Enable Global Search and Indexer) uses a background pro...
by Ged
Tue Apr 03, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: Is Lockheed Martin about to become the biggest company in history?
Replies: 66
Views: 6410

Re: Is Lockheed Martin about to become the biggest company in history?

Much was expected of cold fusion in the late 1980s. Fairly respectable stuff, Pons and Fleischmann were publishing in Science and other completely "real" peer-reviewed academic journals. Pons and Fleischmann were respectable scientists until they decided to take an anomalous lab result and stage a ...
by Ged
Wed Mar 28, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 3791

Re: LG 75" vs OLED 65" TV or Wait?

I am holding out for one more year. By this time in 2019 I am going to own a 77" LG OLED. I'd do it this year except I'm doing some heavy spend on bathroom remodeling and don't want to get pushed into a higher tax bracket.
by Ged
Wed Mar 28, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9047

Re: How Do You Value Your Home for Net Worth Purposes?

You have to begin by asking why you want to know your net worth and what you will use the number for. I've never been able to figure out any actual use for it other than to make me feel good and/or have an answer if someone asks me my net worth. Which I don't think has ever happened, in fact... I a...
by Ged
Wed Mar 28, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12715

Re: Healthy eaters -- is this grocery budget normal to you?

Whether organic and non-GMO is more healthier, I guess is scientifically debatable, and also different from one product to another. For example, it is important for apples to be organic but it doesn't matter much when it comes to avocados. I don't want to diverge into politics, but I will say that ...
by Ged
Tue Mar 27, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 4966

Re: CBP (INS) Global Entry program worth it?

I don't have Global Entry. A few months back I arrived back in the US at EWR (on United) and there was no line despite multiple flights coming in around the same time. You are very lucky. The last time my wife and I arrived at EWR from London the line was hundreds of people long. Just that day made...
by Ged
Sun Mar 25, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8093

Re: How old were you when you started spending your “principal”?

I haven't yet at 5 years into retirement, and currently don't anticipate ever spending into my $X. However this is strongly dependent on sequence of returns and delay of SS. Most people retiring just before the 'Great Recession' and also delaying SS are very likely to dip below $X. In fact I was exp...
by Ged
Sat Mar 24, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: trust accounts in dead bank
Replies: 11
Views: 1473

Re: trust accounts in dead bank

I have found that most banks can check all your accounts if you give them your SSN. Suggest trying it from that direction... and bring copies of all the old statements/1099 to the bank, so they can (perhaps) trace them (not just the account numbers, maybe they can look up old numbers). For banking,...
by Ged
Sat Mar 24, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones...Why is Vanguard and Fidelity Always the Recommendation?
Replies: 48
Views: 6079

Re: Leaving Edward Jones...Why is Vanguard and Fidelity Always the Recommendation?

Fidelity is really good with excellent customer service, and now cheap trades if you want to stick with Vanguard ETFs. You cannot go wrong with Fidelity. I have no experience with Schwab but they consistently get high marks here. +1 I have been a Fidelity customer for 42 years, starting with the re...
by Ged
Sat Mar 24, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Low cost repair of CD players in older Camrys?
Replies: 27
Views: 1564

Re: Low cost repair of CD players in older Camrys?

I loaded my entire music library on a single 128GB USB flash drive that is the size of my thumbnail. I suggest replacing the head unit with one that can read a USB flash drive and ripping your CDs with a high quality encoding. I use lossless encoding for my favorite albums. +1 Several years ago I h...
by Ged
Sat Mar 24, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Buying large heavy items from places like Amazon
Replies: 22
Views: 1880

Re: Buying large heavy items from places like Amazon

Only once did I order something from Amazon that was too big for UPS. It was an aluminum track for a track saw. It came well packaged delivered by a van truck. However it was not heavy and could easily be handled by one person. In general delivery of large heavy items is more interesting than small ...
by Ged
Fri Mar 23, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buying at IPO price
Replies: 9
Views: 817

Re: Buying at IPO price

It's possible but you generally have to have a relationship with your broker that makes you a customer they want to make happy. You often need to be a frequently trading client with a large account to get in on a hot IPO.
by Ged
Thu Mar 22, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13561

Re: Working till retirement is not a great plan

I seem to recall that when I bought my first house in 1976 the guidance Was 2.5x although I don't recall if that was house price or mortgage. I bought my first house back then too. It was size of mortgage. Interest rates were triple what they are now which is a factor too. I was house poor for a co...
by Ged
Tue Mar 20, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Is a Model Release normal for wedding videography?
Replies: 28
Views: 2144

Re: Is a Model Release normal for wedding videography?

Yes, it is typical. A lot of small photography businesses use canned generic contracts that have these clauses. They allow the photographer to use the images in their advertising or sell the images through a bureau. Talk to the photographer if you don't like it. If they are not willing to accommodat...
by Ged
Tue Mar 20, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: If you knew a recession was coming, what would you do?
Replies: 57
Views: 6534

Re: If you knew a recession was coming, what would you do?

I know a recession is coming. One is always coming. What can you do with that information? The usual Boglehead things. Emergency fund and an allocation in bonds that will let you sleep well enough through the recession. Now if by some sort of miracle you have more specific information as to the para...
by Ged
Tue Mar 20, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Is buying $50,000 worth of TSLA at this time advisable?
Replies: 46
Views: 3490

Re: Is buying $50,000 worth of TSLA at this time advisable?

No, for multiple reasons.

1. Extremely speculative investment - very risky.
2. Overall market valuations are high at present.
3. Company has well documented production issues.
4. Investment in individual stocks is riskier per se than index funds.
by Ged
Mon Mar 19, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5474

Re: Amazon Prime Going Sideways/Weird Shipment Problems

DHL recently announced they were re-entering the package delivery service in the US. A little competition for UPS and Fed X... :sharebeer https://www.cnbc.com/2018/03/16/dhl-expands-us-delivery-service-in-swipe-at-fedex-ups.html The problem is not UPS and Fedex. It's when Amazon uses other carriers...
by Ged
Sat Mar 10, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 18752

Re: Books that have actually changed your life, in a way.

A Random Walk Down Wall Street by Burton Malkiel. Certainly that was the most important influence on my financial life. Second was perhaps Alternative Investments by Larry Swedroe. I wish I had come across them earlier. Still it was in time to give me a nice retirement. The Bible had a big influenc...
by Ged
Fri Mar 09, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Structured Products
Replies: 52
Views: 2378

Re: Structured Products

There was an interesting novel by an brokerage employee about his experiences selling structured products.

Fiasco: The Inside Story of a Wall Street Trader
by Frank Partnoy
by Ged
Thu Mar 08, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: what to do with 401k? Company dissolving....
Replies: 16
Views: 1562

Re: what to do with 401k? Company dissolving....

Question regarding moving 401k to tradition IRA... Does it matter if traditional IRA is made up of post-tax/non-deductible contribution since the 401k contributions are pre-tax? My wife did that after leaving her last job: would max 401k contributions, then contributed to traditional IRA afterwards...
by Ged
Wed Mar 07, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I "get divorced" for tax purposes (PSLF)
Replies: 57
Views: 3814

Re: Should I "get divorced" for tax purposes (PSLF)

You may want to consider effects of a divorce on things like insurance coverage. Is your wife planning to use your health care coverage while she is attending school? Or how about auto coverage? I remember reading that married people get lower rates. Also do you have retirement asset accounts that w...
by Ged
Tue Mar 06, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 6573

Re: Fidelity Article

What it means is the Fidelity has been increasing the percentage of stocks in some blended products to get better returns.

This increases volatility. Which may be a risk that its customers aren't expecting.
by Ged
Mon Mar 05, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3620

Re: Etiquette of hanging up on live telemarketers

etiquette (ĕtˈĭ-kĕtˌ, -kĭt)► n. The practices and forms prescribed by social convention or by authority. It seems that the practice prescribed by social convention for unsolicited live telemarketers is to immediately hang up. If there is a previous relationship then the norm would be to find out wha...
by Ged
Sun Mar 04, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 937

Re: Annotating locked pdfs

There may be open source PDF programs that ignores locks. I know I made one a few years ago by modifying the source code of PDF program.

This might work too:

https://www.sodapdf.com/unlock-pdf/
by Ged
Sun Mar 04, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Save paper copies of tax returns and other docs, or is digital OK?
Replies: 23
Views: 2328

Re: Save paper copies of tax returns and other docs, or is digital OK?

I've been filing tax returns since 1972. So yes I'm saving paper copies. The amount of space is not that great and I had occasion to go back as far as 1992 about 5 years ago.

Nowadays I save digital too, but that isn't what I consider my primary archive.
by Ged
Sun Mar 04, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 4138

Re: What kind of desktop computer should I buy?

What I do to get rid of bloatware is fairly simple: 1. Get the Widows install key ID using something like Magic Jelly Bean. 2. Download the Windows installer from Microsoft. 3. Do a clean install. Use the key ID to activate Windows. With modern machines, you can generally skip #1 and the second hal...
by Ged
Fri Mar 02, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 4138

Re: What kind of desktop computer should I buy?

Most desktops will do what you want. The comment about bloatware caught my attention. Having replaced an older computer with a Lenovo fairly recently, it was shocking how loaded it was with bloatware and how the program replaces items you have deleted. For example, Bing's search engine will reappea...
by Ged
Thu Mar 01, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16587

Re: Defining "House Poor"

House poor is a subset of the general classification of being overly in debt.

If you cannot withstand a period of six months of unemployment without falling behind on your debt payments you qualify.
by Ged
Thu Mar 01, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2623

Re: [Manuka honey]

Bee careful out there. https://en.wikipedia.org/wiki/Honey#Health_hazards Toxic honey may also result when bees are proximate to tutu bushes (Coriaria arborea) and the vine hopper insect (Scolypopa austra). Both are found throughout New Zealand. Bees gather honeydew produced by the vine hopper insec...