Search found 1820 matches

by 2015
Thu Sep 20, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 93
Views: 6338

Re: Delaying Social Security Until 70

I just received my first SS deposit at age 70. I filed and suspended so that DW could take a spousal benefit at her FRA. Her own benefit will grow until she takes it at 70. We had several reasons to delay: 1. Family history of extreme longevity. Good health. 2. We could afford to delay. 3. We did c...
by 2015
Thu Sep 20, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 21
Views: 4108

Re: I found this informative about the next possible crisis

Where is your evidence for this? If you study history, the "decent percentage of people" who "know" the causes of crises beforehand is almost nil. Read Devil Take The Hindmost. Even after a crisis the "causes" can be suspect due to narrative fallacy and human obsession with finding patterns where n...
by 2015
Thu Sep 20, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller interview: "Market could get a lot higher"
Replies: 28
Views: 4215

Re: Robert Shiller interview: "Market could get a lot higher"

Marketing disguised as "information." Next he'll be writing for etf.com.
by 2015
Fri Sep 14, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: PSA: Cross country relocation expenses
Replies: 13
Views: 1213

Re: PSA: Cross country relocation expenses

So we just completed our first cross country move (CA to TX.) I had an estimate of moving expenses before we started but we ended up paying much, much more. Relocation - Expect 15-30k for a full service moving company to pack & ship your stuff - We used PODS (actually Pack Rat) and packed ourselves...
by 2015
Fri Sep 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2775

Re: Do you use social media to enhance your travel experience?

Workarounds are fun. Workarounds are problem solving. Getting in trouble makes good stories. And no, I decidedly do not want to make it easier. When the absence of a smart phone makes things harder, it creates new challenges -- and I feel happy when I concur challenges. It's too late for me to beco...
by 2015
Fri Sep 14, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2775

Re: Do you use social media to enhance your travel experience?

I have been strongly impacted by Cal Newport's work and hence do not participate in social media of any sort. I subscribe to Newport's deep work hypothesis, attention capital theory, and digital minimalism construct (these concepts are explained briefly in the link below). This has had an immensely...
by 2015
Fri Sep 14, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5151

Re: Vanguard platform

Hi, I just today registered with Bogleheads to comment on this subject. My husband keeps getting emails and reminders on his account page to switch to the new platform. There was something he could click on to see and do the "Three Easy Steps to Convert". When he clicks on that, there is absolutely...
by 2015
Fri Sep 14, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 22
Views: 1248

Re: Best tool/way to manage the a portfolio of multiple accounts

alan wrote:
Fri Sep 14, 2018 1:43 am
I just use the VanGuard website by listing my other investments under Outside Investments
Same, although I do have an excel workbook containing about 5 spreadsheets for different purposes explained in another thread. Takes no time to update all of this.
by 2015
Fri Sep 14, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1213

Re: What can you homegrown financial management spreadsheet do?

I have spreadsheets but I don't want to waste the few precious moments on this earth with my nose buried way up there. 1) About 5 spreadsheets, all in one workbook, each on it's own separate tab, nothing linked. 2) One spreadsheet serves as checkbook, another documents transfer amounts savings/mm mo...
by 2015
Fri Sep 14, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2775

Re: Do you use social media to enhance your travel experience?

I have been strongly impacted by Cal Newport's work and hence do not participate in social media of any sort . I subscribe to Newport's deep work hypothesis, attention capital theory, and digital minimalism construct (these concepts are explained briefly in the link below). This has had an immensel...
by 2015
Fri Sep 14, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4452

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

I don't exactly understand what you're saying. Is it the old claim that people with more complicated portfolios are more prone to changing and trend chasing? It's not an old "claim" at all. In fact, there's a plethora of recent material on it in the last couple of decades. Read all of the latest wo...
by 2015
Thu Sep 13, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2775

Re: Do you use social media to enhance your travel experience?

I have been strongly impacted by Cal Newport's work and hence do not participate in social media of any sort. I subscribe to Newport's deep work hypothesis, attention capital theory, and digital minimalism construct (these concepts are explained briefly in the link below). This has had an immensely...
by 2015
Thu Sep 13, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17670

Re: Bay Area housing frenzy cooling

People don't upgrade as often anymore. It would probably be a downgrade to them moving to the same house paying higher interest rate, that's why it's 'soft' market. They are in no hurry to move if the payment is going to be higher to get the same or crappier house. Keep raising that rates fed, it w...
by 2015
Thu Sep 13, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2775

Re: Do you use social media to enhance your travel experience?

I have been strongly impacted by Cal Newport's work and hence do not participate in social media of any sort. I subscribe to Newport's deep work hypothesis, attention capital theory, and digital minimalism construct (these concepts are explained briefly in the link below). This has had an immensely ...
by 2015
Thu Sep 13, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4452

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

I would say the issue is not with the portfolio at all, but rather with the investor behavior that always hitches a ride on its coattails. No need for "shaming". Investor behavior has a far greater impact on investing results than the most cleverly designed portfolio ever could. Reality doesn't car...
by 2015
Thu Sep 13, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4452

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

Everyone should do what they want, but will say there is a DEFINITE cult mentality on this forum. Just because you like the 3 fund and you follow it does NOT make it the ten commandments. Confirmation bias is HUGE on this very forum and would warn EVERY investor from falling into such a trap. ... C...
by 2015
Thu Sep 13, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2152

Re: How to stay the course when you “think” you can outsmart the market

I truly believe indexing is the best way to invest but sometimes “ideas” get the best of me. For example with the hurricane approaching I thought it would be a smart move to buy Generac, already down 5%. I was curious how often other boggleheads trade short term and how the smart ones have the disc...
by 2015
Wed Sep 12, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1409

Re: Avoiding creeping complexity

In order to simplify, I took some long-term capital gains and put my ducks back in a row with a three-fund portfolio set-up, and this time I'm really serious about keeping things simple, not just starting simple. What do you do to stop complexity from creeping into your portfolio? Or don't you care...
by 2015
Wed Sep 12, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17670

Re: Bay Area housing frenzy cooling

Got the monthly market report for my neighborhood from Redfin. Here's how the stats breakdown for month-to-month vs year-to-year. 1. $1,349,000 Median Sale Price -1.0% from last month +13.8% from last year 2. $803 Median Sale Price per Square Foot -2.0% from last month +20.6% from last year 3. 102....
by 2015
Wed Sep 12, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4452

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

Earl, you are willing/able to deal with more complexity. That still does not mean it is "better" than a less complex solution. You can look very hard and NEVER find anything that I posted to that effect. I leave the "portfolio shaming" to the three-funders. The point of this thread was not about po...
by 2015
Wed Sep 12, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3367

Re: Credit Score

Yep. Im just planning on never borrowing money again. This is what we are working towards. Thats why I laugh at the credit score dropping and all the offers and incentives thrown at me. There is only one way that I know of to do this, and that's to become a master at learning to say no to yourself....
by 2015
Tue Sep 11, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1409

Re: Avoiding creeping complexity

In life there are maximizers and there are optimizers. Maximizers experience more stress because they are always being led around by financial barkers of all stripes (academics, websites, financial institutions, bloggers, so-called "experts", etc.) touting the latest shiny metal object. Thus, maximi...
by 2015
Tue Sep 11, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 21
Views: 4108

Re: I found this informative about the next possible crisis

The next crisis will result from unknown unknowns. And people won't be prepared because they were too busy helping Bloomberg sell advertising by reading marketing disguised as "information". As your attention goes so goes your money so goes your life. :beer If it was a known issue, then it wouldn't...
by 2015
Tue Sep 11, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: A Boglehead explains the simplest way to manage your money
Replies: 18
Views: 5088

Re: A Boglehead explains the simplest way to manage your money

Transitioning to the 3 fund was one of the best things I've ever done financially. Anything beyond the most simple elements possible creates complexity and complexity by its nature creates friction. Friction in any system, but particularly in investing, creates the potentiality for all kinds of issu...
by 2015
Tue Sep 11, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Short Term Market Uncertainty - "Buy" Insurance?
Replies: 33
Views: 1997

Re: Short Term Market Uncertainty - "Buy" Insurance?

Yes I did this, but it was based on my personal microeconomics, not on macroeconomics. I believe making decisions based on macroeconomics is a recipe for behavioral disaster, either now or in the future. If one has engaged in thinking through their process in a solid fashion, short term volatility b...
by 2015
Tue Sep 11, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: One bond fund is enough?
Replies: 16
Views: 1671

Re: One bond fund is enough?

I pass all decisions through the simplicity filter of Occam's Razor as I believe simplicity supports one in not doing anything stupid. For this reason, I remain with Total Bond. I subscribe to the Buffet/Munger approach of achieving consistent, compounded success through avoiding brilliance by not b...
by 2015
Tue Sep 11, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: What Matters to Individual Investors? Evidence from the Horse's Mouth
Replies: 6
Views: 1026

Re: What Matters to Individual Investors? Evidence from the Horse's Mouth

In the survey "past results are evidence of skill" was in the context of active mutual fund managers (if I remember right). But you're right that it is interesting that even on Bogleheads we often hold two conflicting opinions: Bill Grossman's (or fill in any famous manager you don't like) past per...
by 2015
Mon Sep 10, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3079

Re: Father Wants a Home Mortgage (Bad Credit Score)

This will not end well. Why are you deliberately stepping in this as opposed to stepping around it? It's not like you can scrape it off your shoe if things go bad. And they will. Loving/liking bias particularly when involving friends/relatives/family is a hideous bias as people get us to do things w...
by 2015
Mon Sep 10, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: What Matters to Individual Investors? Evidence from the Horse's Mouth
Replies: 6
Views: 1026

Re: What Matters to Individual Investors? Evidence from the Horse's Mouth

46% say that past returns are evidence of skill. High-wealth people are substantially more likely to believe this. :oops: Well I don't know, because I've found it at least implied all too often on this forum that achieved results are the result of skill. This continually surprises me because comple...
by 2015
Mon Sep 10, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Taking on project work after retirement?
Replies: 11
Views: 1090

Re: Taking on project work after retirement?

I'm so very thankful the gods saw fit to thwart all of my post-retirement part-time work plans. I just told someone yesterday that the thought of work is alien to me now. To paraphrase a line from the movie Aunti Mame, life is a banquet but most of us are conditioned to be content with scrounging me...
by 2015
Mon Sep 10, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 246
Views: 22819

Re: U.S. stocks continue to soar!

Yep, people were saying a lot of stupid stuff in those days. I love the mention up thread that bull markets make geniuses of us all. People are still saying lots of stupid stuff. They just think it's everyone else that's saying the stupid stuff. And they won't find out they're the ones saying stupi...
by 2015
Mon Sep 10, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16339

Re: Why Bull Markets Are Dangerous

Bear markets are just as dangerous as bull markets because people will always be too busy focusing on markets when they should be busy focusing on increasing self-knowledge. In investing, personal behavior is vastly more important than market activity. Understanding "Jack's latest prediction" is com...
by 2015
Mon Sep 10, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 21
Views: 4108

Re: I found this informative about the next possible crisis

The next crisis will result from unknown unknowns. And people won't be prepared because they were too busy helping Bloomberg sell advertising by reading marketing disguised as "information".

As your attention goes so goes your money so goes your life.
by 2015
Mon Sep 10, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17670

Re: Bay Area housing frenzy cooling

Somewhere in California's Coachella Valley. An amazing Amtrak trip through the Pacific Southwest and spending 8 months intermittently near outside Las Vegas this year removed any doubt that I am first and foremost a desert rat. OTOH, the involuntary stay near and in Las Vegas strongly reinforced a s...
by 2015
Mon Sep 10, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17670

Re: Bay Area housing frenzy cooling

Orange County, California is also cooling a little. Median home price county wide now is higher than the previous bubble peak. What I find illogical is that the last peak represented the biggest bubble in the history of the country... how can returning to that level be called a "normalization" or "...
by 2015
Mon Sep 10, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3584

Re: Using Lastpass as your password manager

I use KeePass. The database is a tiny encrypted file that is stored locally (on an encrypted TrueCrypt volume, but that isn't necessary). I then back it up to DropBox so I can download and open it on any device that has a Dropbox and KeePass client (e.g. my phone). I could just as easily posted it ...
by 2015
Mon Sep 10, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Successful techniques to helping parents be less risky?
Replies: 15
Views: 1184

Re: Successful techniques to helping parents be less risky?

I don't know any and haven't met anyone that knows someone that does. +1 I've come to the conclusion that we cannot rescue anyone, no matter how badly we might want to, from living out their particular life story and what they are supposed to learn from it. The most you can do is get entangled in a...
by 2015
Mon Sep 10, 2018 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6483

Re: Lower Return Decade Says Jack: Thoughts?

I posted a very similar question a few days ago, many smart alecs on this forum predicted exactly a 6.47587646% return so you have your answer :D Total BS. It will be 6.475843. Interesting. My chicken bones specifically added a "4" the end of number. What were they trying to tell me? To answer OP's...
by 2015
Sat Sep 08, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5654

Re: Using your home as old age care self-insurance?

Once I get that bad I want the cocktail. I don't see the point of wasting all that money just so that I am only surviving not living . I'm told that lots of younger people feel this way but when you ask people that are older/have lots of medical problems many/most want to keep on living as long as ...
by 2015
Sat Sep 08, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 125
Views: 13378

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

VictoriaF wrote:
Sat Sep 08, 2018 6:37 am
Where: El Camino de Santiago, walking with a backpack.

Why: Living to the fullest:
- physically
- spiritually
- socially
- culturally
- creatively

I walked it in 2015 and 2016 and will go again in 2019.

Victoria
Very cool.
by 2015
Sat Sep 08, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3758

Re: Mold in house and insurance won't cover - options?

So I hired the mold removal guy.They seem to be doing a thorough job. Since I am paying everything out of pocket, I am looking to save costs anywhere. I am still debating whether it is worth it to hire the hygienist a second time for $675 to test the work of the mold removal guy. Right now there is...
by 2015
Sat Sep 08, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3367

Re: Credit Score

To some of us, the credit score nonsense is just that, nonsense. I too pay cash for everything, large and small, and any credit is paid off by month end. I too will never have to borrow again. For years and years, my credit score has bumped within 5 points of 813 like a car driving down a gravel ro...
by 2015
Fri Sep 07, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3297

Re: Encryption Solution: Local + Cloud

Sorry let me try to explain again my concern: You said "Bank Mode is it functions as a computer within a computer and wiping the history clean before closing out makes the session vanish as if it never happened". My point is that you got this information from Avast itself (I assume), but how do we ...
by 2015
Fri Sep 07, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3297

Re: Encryption Solution: Local + Cloud

Just curious if you guys don't mind me asking.... what type of files are you guys encrypting? And are you guys using this solution to prevent (i.e. dropbox, google drive) from having free access to your data once you upload it to the cloud? Primarily financial and/or ID information: account numbers...
by 2015
Fri Sep 07, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9638

Re: What will you do when you find you have more money than expected?

RadAudit wrote:
Thu Sep 06, 2018 11:39 am
After eight years in to retirement I'd just obsess over whether or not I will have enough for future known and unknown unknowns.
This.
Risk is what happens after you've accounted for everything else.
by 2015
Fri Sep 07, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Warning about "unsettled trade" problem with Vanguard
Replies: 9
Views: 1075

Re: Warning about "unsettled trade" problem with Vanguard

"Personal responsibility is the individual, economic, and social crisis of our day." - Brian Tracy Suggested reading: Crisis of Responsibility: Our Cultural Addiction to Blame and How You Can Cure It https://www.amazon.com/gp/offer-listing/1682616258/ref=tmm_hrd_new_olp_sr?ie=UTF8&condition=new&qid=...
by 2015
Fri Sep 07, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3367

Re: Credit Score

So we paid off our house and land, RV and all a few weeks ago in one fell swoop... got an email with a sad face saying my credit score has dropped. Lol. Credit score = debt score. I think its crazy how lenders us a debt score to justify you worthy of paying back money to them... It should be comple...
by 2015
Fri Sep 07, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: [security] Log into dummy account on Windows/phone?
Replies: 6
Views: 482

Re: [security] Log into dummy account on Windows/phone?

I've posted elsewhere I do not access any sensitive accounts or information on anything but a dedicated device kept at home, and only then in Avast's Bank Mode. Personally, I will never get comfortable with accessing sensitive information, particularly financial information, on a phone. YMMV.
by 2015
Fri Sep 07, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3297

Re: Encryption Solution: Local + Cloud

2015, Thank you for sharing your encryption approach. Was there a particular reason that you chose GoogleDrive over Dropbox? Victoria It was an easy decision because while DB charges $99/year for 1TB of storage Drive provides 15GB free. As is, I only use 5GB which includes the duplicate backups of ...
by 2015
Thu Sep 06, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3297

Re: Encryption Solution: Local + Cloud

Just curious if you guys don't mind me asking.... what type of files are you guys encrypting? And are you guys using this solution to prevent (i.e. dropbox, google drive) from having free access to your data once you upload it to the cloud? Yes, exactly. I use VC for the very reason that I want con...