Search found 1397 matches

by 2015
Sun May 20, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 34
Views: 3385

Re: Has Firecalc or I-ORP altered your retirement plans?

Used too many to count pre-retirement. Post-retirement only use Fidelity's Retirement Income Planner, more as an exercise than anything else, since I now use LMP and am largely insulated from the vagaries of the stock market. I've always used FRIP's "significantly lower than historical averages" out...
by 2015
Sat May 19, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 17
Views: 1720

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Here's my long term care plan: https://www.cnn.com/2018/05/10/health/david-goodall-australian-scientist-dies-intl/index.html I have no intention of enduring Alzheimer's in any form or fashion, and would be gone long before LTC would be required. I don't personally consider such a minimal existence a...
by 2015
Sat May 19, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8189

Re: Two- Factor Authentication at Vanguard - Update

I would love to see a link to an article reporting on how authentication apps have been beaten in the real world. If you want actual papers or presentations on the subject, here is a good one from Google. I can look up some additional ones later after work and post back. Real life examples that com...
by 2015
Fri May 18, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: "Keep it Simple With Index Funds"
Replies: 8
Views: 1725

Re: "Keep it Simple With Index Funds"

Thank you for posting this, Taylor. No matter how many times we've heard the same message, it never hurts to hear it again. Because the temptation to tinker and tweek and touch and tangle is so strong. In investing, less is more. +1 I would add: in life, less is more. More satisfying, more fulfilli...
by 2015
Fri May 18, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 25
Views: 2657

Re: more rotten service from Vanguard [ACH transfer, fund availability]

AlohaJoe wrote:
Thu May 17, 2018 8:24 pm
In this day & age of massive fraud and account hijacking, I'm always surprised people are upset about having to spend an extra 60 seconds proving their identity.
...
This.
by 2015
Thu May 17, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2897

Re: Unique Phone Apps that you find yourself using most often?

midareff wrote:
Wed May 16, 2018 3:09 pm
I really like an app called Here We Go. I can download a detailed street map of any country, city, state or whatever to my phone or tablet and use them offline.
...
+1
by 2015
Thu May 17, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 166
Views: 12736

Re: I’m still not a fan of international bond funds

Bobcat2, You might want to modify or delete your post because nowhere does it show I recommend emerging market bonds. Also, for the record, I no longer own or manage an investment firm. Rick Ferri Rick, totally off topic, but didn't you divest your firm and hit the road for awhile? It's good to see...
by 2015
Thu May 17, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 608

Re: How to find a realtor after relocating

I think you're making this out to be more than it needs to be. You don't need a buyer's agent. Literally contact any real estate agency and tell them you want to look for a home. They'll qualify you and get your needs. They'll have the access codes to get keys to show houses. Go look all you want. ...
by 2015
Thu May 17, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: prearranged funeral plans-Neptune Society
Replies: 10
Views: 929

Re: prearranged funeral plans-Neptune Society

I have. Relatives have. All plans involve cremation. Has made serving as estate executor immensely easier. I'm aware these are very personal choices. The single most helpful thing I've done as an estate executor is preparing well in advance of the event. I can't state emphatically enough how much si...
by 2015
Wed May 16, 2018 7:48 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8742

Re: The front page is ugly

Aesthetics would be the very last thing on my mind were it to even cross my mind when seeking valuable, actionable information. The world is full of noise obscuring signal and with seemingly never ending external sources seeking the seduction of our eyeballs, our time, our life. Perhaps the most val...
by 2015
Wed May 16, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE book recommendation request.
Replies: 17
Views: 1001

Re: FIRE book recommendation request.

Congratulations on considering retirement! Best thing I've ever done in my life. In my usual fashion, I read a bunch of retirement books just before retirement. I guess they helped me psychologically prepare, but the reality is I haven't based my 3 year retirement (as of yesterday!) on any of those ...
by 2015
Tue May 15, 2018 8:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 40
Views: 1929

Re: How did you fall in love with investing?

"Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas."

- Paul Samuelson
by 2015
Tue May 15, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Improvement Incentive?
Replies: 12
Views: 1164

Re: Vanguard Customer Service Improvement Incentive?

...Don't assume that what you see on this forum is fully representative of experiences. This board likely over-presents the number of negative Vanguard interactions/problems relative to the customer base at large. ... This. There are zero incentives for people to focus on the outcome of taking pers...
by 2015
Tue May 15, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

<deleted>
by 2015
Tue May 15, 2018 1:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8724

Re: Yes, I'm 89 all right!

Happy Birthday, Jack. You are truly one of The Greats, a role model for excellence, of which there isn't a lot of in the world today. Thank you for serving as an example of what true success is. I'm hoping your health continues to support your quality of life as well as the great ongoing contributio...
by 2015
Mon May 14, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

cloud storage isn't the same as cloud backup and it is risky to treat them the same. What is the difference between cloud storage and cloud backup? I could be wrong (and perhaps jebmke will weigh in), but I took this to mean "cloud storage" as storing all of one's data in the cloud with no other ba...
by 2015
Mon May 14, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1670

Re: Why are Vanguard and Fidelity more picky than banks about middle names?

MnD wrote:
Sun May 13, 2018 11:31 pm
2015 wrote:
Sun May 13, 2018 7:11 pm
In fact, no financial institution has ever had the ridiculous legal first name my parents thought to give me at birth.
What is it? :shock:
Ain't sayin'. :wink:
by 2015
Mon May 14, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and then creating separate containers for critical docs I revise less frequently. Less critical...
by 2015
Mon May 14, 2018 1:38 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8742

Re: The front page is ugly

Sandtrap wrote:
Mon May 14, 2018 10:20 am
...

Bogle Forum. . . more cake. . . less frosting.

Huge mahalo's to webmasters and moderators for keeping the site just fine the way it is.
j :D
Priceless.
by 2015
Sun May 13, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1622

Re: First time seller interviewing realtors--what to ask?

OP here. Thanks for the suggestions (and good idea about only doing listing for 90 days). And yes, I'll ask if fee is negotiable. One of the realtors I'm considering, who lives in my building and recently sold a friend's apartment, makes it a selling point that he charges 4%; the other two charge t...
by 2015
Sun May 13, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and then creating separate containers for critical docs I revise less frequently. Less critical...
by 2015
Sun May 13, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and then creating separate containers for critical docs I revise less frequently. Less critical...
by 2015
Sun May 13, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1670

Re: Why are Vanguard and Fidelity more picky than banks about middle names?

... On the other hand if I remember correctly Vanguard required extra paper work if our middle names/initials on our joint mutual fund account were not exactly matched up. ... Did this happen or not? Without clarification, it provides no value to readers of the thread. Vanguard not only doesn't hav...
by 2015
Sun May 13, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2018 annual report - Happy Tenth Anniversary!
Replies: 9
Views: 685

Re: Bogleheads® Wiki 2018 annual report - Happy Tenth Anniversary!

HueyLD wrote:
Sun May 13, 2018 10:32 am
Thank you so much, LG. You are the queen of BH wiki.

Best wishes and Happy Mother's Day.
All of this! The selflessness displayed on this forum never ceases to amaze me. My deep gratitude as well to all of the moderators, the founders, and to all who contribute.
by 2015
Sun May 13, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1622

Re: First time seller interviewing realtors--what to ask?

OP here. Thanks for the suggestions (and good idea about only doing listing for 90 days). And yes, I'll ask if fee is negotiable. One of the realtors I'm considering, who lives in my building and recently sold a friend's apartment, makes it a selling point that he charges 4%; the other two charge t...
by 2015
Sun May 13, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Water leaking from shared wall in condo - next steps?
Replies: 21
Views: 2291

Re: Water leaking from shared wall in condo - next steps?

If the leak is in a common wall it should be the responsibility of the HOA . I would call them first. If they are slow to respond, there are leak detection services who can probably find the source for about $250. They may have to access the neighboring unit to do this. This. I have never heard of ...
by 2015
Sun May 13, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1330832

Re: The Three-Fund Portfolio

you should include small caps and or small cap and large cap value along with reits small caps historically have done 2% better yearly Hi Kennyt7 - One of the many advantages of the Three Fund Portfolio is that it includes the market capitalization weight of all asset classes including small caps, ...
by 2015
Sun May 13, 2018 1:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Mother's Day
Replies: 4
Views: 439

Re: Happy Mother's Day

Thanks so much for posting this thread, Mel. I was hoping to see something like this so I could wish a Happy Mother's Day to all mothers here.
by 2015
Sun May 13, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and then creating separate containers for critical docs I revise less frequently. Less critical...
by 2015
Sun May 13, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7764

Re: Bucket List Adventures/Activities

Interesting to see what people have on their list. For me? I don't really have a bucket list. Me either. I've always eschewed the phrase, wanting to avoid constant societal pressure to always have to " do something". I believe it's great that some have identified what they'd like to do, but not eve...
by 2015
Sat May 12, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

The above represents a sea change in thinking for me with respect to data security, and I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and the...
by 2015
Sat May 12, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I am not sure how long this will last, but in about a month I will lose access to the computers I have used for a long time -- and will be using library computers - with my files stored on flash drive(s). I will want to save/backup using one of the free "cloud" services - Suggestions and experience...
by 2015
Sat May 12, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2013

Re: buying new laptops

SSDs? That counts as an innovation & not universal by any means? :confused I said nothing about universal but did specify recent and SSDs in laptops are not recent. For that matter, metal cases are an innovation but not recent or universal and there are many other examples. They are recent enough t...
by 2015
Sat May 12, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 889
Views: 70694

Re: To take or not to take delivery of Tesla 3

Dan, Matjen, I love this thread, so I hope that the moderators don't close it. I want to focus on the Bogle-headed dilema of whether or not to pay so darn much for the car. ... This. I'm grateful to all who have participated as I have only recently decided a Telsa might be my next car should I ever...
by 2015
Mon Apr 30, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10268

Re: Nomadic lifestyle in their 50s

For each her own. With RVs and sailboats, you have an additional responsibility for maintaining your vehicle. You are responsible for driving or sailing it, which is work. You are less likely to visit large cities. And, importantly, you are isolating yourself from the local people. Victoria Maintai...
by 2015
Mon Apr 30, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Mental elasticity as you age & free choice paradigm
Replies: 17
Views: 2938

Re: Mental elasticity as you age & free choice paradigm

Old age is not the time I want to be continually retooling my portfolio and chasing something better. It is the time I want to simplify and get as close to set/forget as possible, and be most resistant to people that approach me with "data" indicating they have something new and better. This. Simpl...
by 2015
Sun Apr 29, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15586

Re: Trinity Study updated to 2018

It never ceases to amaze me how many people overlook the non-portfolio stable inflation-indexed lifetime income portion of the VPW strategy when making comments. Ah yes, those great pensions which so few people have these days. So, let's say one is retiring at 50. They like most people have no pens...
by 2015
Sun Apr 29, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10268

Re: Nomadic lifestyle in their 50s

... The RV lifestyle doesn't appeal to us. Europe, Asia, Latin America, China all beckon. We plan to do GeoArbitrage to manage costs. If everything is going well, we stay in Paris for a month, and Bangkok for 2 weeks. If the market or exchange rate are a bit scary, we stay in Paris for 2 weeks and ...
by 2015
Sat Apr 28, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10268

Re: Nomadic lifestyle in their 50s

... The RV lifestyle doesn't appeal to us. Europe, Asia, Latin America, China all beckon. We plan to do GeoArbitrage to manage costs. If everything is going well, we stay in Paris for a month, and Bangkok for 2 weeks. If the market or exchange rate are a bit scary, we stay in Paris for 2 weeks and ...
by 2015
Fri Apr 27, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2665

Re: Do you sell or donate unused items?

KonMari may or may not help you. I think it's a philosophy, really, and not just organizational tool. You may or may not subscribe to Marie Kondo's philosophy. But I can almost guarantee you that you won't miss all that stuff when it's gone. I subscribe to the "out of sight, out of mind" organizati...
by 2015
Fri Apr 27, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 3997

Re: The Paperless Life

I don't keep paper but I'm also very careful about becoming a digital packrat. I am very selective about what I keep. the ... This. For some, their digital life will be a reflection of how much paper they kept. For me, this defeats at least one the purposes of digitization, which is to reduce frict...
by 2015
Thu Apr 26, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 3997

Re: The Paperless Life

I've coupled what I refer to as The Digital Life (as opposed to Analog) with Extreme Simplicity. I have been strongly influenced by all that I've read in a plethora of fields outside investing, personal finance, and economics with respect to the merits of simplicity in all facets of life. I have vir...
by 2015
Thu Apr 26, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Another help-me-help-my-mother post
Replies: 15
Views: 1553

Re: Another help-me-help-my-mother post

Does she have a will and other estate/end-of-life documents that reflect her current circumstances? If not, then find her a good estate attorney. S/he will be able to provide information in the tax implications of your mother’s heirs inheriting different investments and that will guide her to possi...
by 2015
Thu Apr 26, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10268

Re: Nomadic lifestyle in their 50s

My dream would be to buy/rent a small place in the center of the US (maybe Kansas) then buy one of those RoadTrek vehicles and take multiple trips per year for a few weeks at a time to different areas of the country. I just got back from a lovely rail trip across the Pacific Southwest to and from N...
by 2015
Wed Apr 25, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 5883

Re: Who benefits from "best and final offer" on condo?

Holy moly! Under no circumstances would I waive the inspection contingency or the finance contingency (unless I was paying 100% cash). Welcome to real estate in a seller’s market. If you don’t waive the contingencies, you don’t get the house. ... The whole thing was crazy. People wanted our house. ...
by 2015
Wed Apr 25, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Retiring soon - health insurance planning Cal-COBRA
Replies: 19
Views: 2111

Re: Retiring soon - health insurance planning Cal-COBRA

... ACA tax subsidies are worthless to me (I pay only about $600/year in taxes as a retiree). Can you explain this? I may be missing something here. But, my understanding is that ACA tax subsidies are fully refundable, in fact you can get them in advance to pay your premiums throughout the year, an...
by 2015
Wed Apr 25, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 67
Views: 8945

Re: Unprecedented Event

OP, what action are you recommending we take? I would say on the whole that people's financial plans are more commonly and more severely upset by non-financial risk than by financial risk . This includes ill health, disability from moderate to severe degrees, divorce and other family upsets, conseq...
by 2015
Mon Apr 23, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1330832

Re: "A successful index fund investor goes through four phases"

Bogleheads: Rick Ferri recently made a post which Three-Fund Portfolio investors will appreciate: A successful index fund investor goes through four phases: 1) Darkness - takes advice from everyone; 2) Enlightenment - realizes a market return is superior to their return; 3) Complexity - overdoing e...
by 2015
Mon Apr 23, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9117

Re: Boglehead Philosophy Open To Change?

The 3 fund PF has everything to do with being a Boglehead in that it relates to principle number 9 above (invest with Simplicity). Everything should be made as simple as possible, but not simpler (Einstein). This site started well before any mention of a 3 fund portfolio. When polling was still all...
by 2015
Sun Apr 22, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9117

Re: Boglehead Philosophy Open To Change?

I don't mean this offense to Taylor (who I do respect), but I PERSONALLY don't think 3 fund has ANYTHING to do with being a boglehead. Being market cap or factor investor, in my mind, doesn't either. The essence is being a passive investor, focusing on asset allocation, using low cost options, savi...