Search found 1614 matches

by 2015
Tue Jul 17, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 14
Views: 657

Re: Excel Spread sheets -mac or. Windows?

Can you use Google Sheets? I think Iwould have to have a google account. I have grown to really love my google account. Between google on the android phone, use of gmail and google drive, google just seems to make everything so easy , in direct contrast to my long-suffering experience with all thin...
by 2015
Tue Jul 17, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 122
Views: 10432

Re: Early retirement

Some aspects of the environment we have evolved in are easier to aim for than others. For example, I am trying paleo diet and intermittent fasting, with mixed success. But I would not want to limit my social circle to a few dozen people or stop reading. Again I have a difficult time responding, as ...
by 2015
Tue Jul 17, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 37
Views: 1947

Re: Duration of Sequence of Return risk for long retirements

So, my advice is to consider all of the above when thinking about the years just before and after retirement. Very much agreed on the advice. Same scenario for me, except layoff occurred not once, but twice in a two year time period, both times when jobs were lean post-2008, and without any pension...
by 2015
Tue Jul 17, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 16
Views: 1259

Re: California Homeowners - Do you have earthquake insurance?

No. I just went through my almost annual exercise of determining whether it's worth it to me. It never is. 1) It's an extremely unlikely event for where I live in Los Angeles. We've had big earthquakes, but there is never any extensive damage for my area . Nevertheless, that's why one gets insuranc...
by 2015
Tue Jul 17, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 16
Views: 1259

Re: California Homeowners - Do you have earthquake insurance?

When preparing for retirement, I undertook an exercise to identify and mitigate (as much as possible) both deep and shallow risk. My thinking was that in retirement the opportunity to recover from all types of risk is almost entirely lost. I used Dirk Cotton's excellent blog posts identifying risks ...
by 2015
Tue Jul 17, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 37
Views: 1947

Re: Duration of Sequence of Return risk for long retirements

Sequence of return risk for retirees has several elements. The downward loss, the time to recover, loss of human capital's ability to buy (e.g. contributions/company matches), less income (usually), withdrawals from a shrinking portfolio, and years to Medicare and Social Security. I was forced to r...
by 2015
Mon Jul 16, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 122
Views: 10432

Re: Early retirement

I can just hear it, "She's so obstinate!" :D But isn't it fun being wrong sometimes and still not caring what people think? In the three specific life-changing decisions that I am referring here to, I did the opposite of what the people close to me insisted upon. These turned out to be the best dec...
by 2015
Sun Jul 15, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4270

Re: FireCalc: How big a grain of salt?

Reading through this thread, I am beginning to wonder how anyone retires without a constant fear of running out of money. Then that makes me wonder if anyone voluntarily retires or is everyone just forced out to live out their days in fear of financial calamity. Using LMP with an RP helps. LMP allo...
by 2015
Sun Jul 15, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 122
Views: 10432

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think. It matters to me in a contrarian way. I enjoy doing the opposite of what everyone else tells me to do, or not to do...
by 2015
Sun Jul 15, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4270

Re: FireCalc: How big a grain of salt?

When you pick a term both PV and FC assume the WORST term in the database history. So unless the FUTURE term you pick is worse than the worst PAST term in history, all three: the 4% rule, PV, and FC give a PESSIMISTIC answer. Expected returns are low, particularly for domestic stocks. So I think fi...
by 2015
Sat Jul 14, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 122
Views: 10432

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think.
by 2015
Mon Jul 09, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 1940

Re: Dealing with recruiters

Maybe a little insight Asking for your Resume. -- Many times the recruiter is held accountable by their supervisors to activity metrics and one of them may be Resume- or "screens" which essentially is the phone call to screen you for this job. Keep in mind that the job they call/email you about mig...
by 2015
Mon Jul 09, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Book Recommendations for a new Boglehead
Replies: 8
Views: 538

Re: Book Recommendations for a new Boglehead

I recommend reading Taylor's Gems on this site and go from there. You might call each "Gem" a brief preview of each book covered. You could then decide the read which books you found most applicable to what more you're looking to learn.
by 2015
Mon Jul 09, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4380

Re: Why 3-funds and not 4-funds or even 2-funds?

By the way, Total World Stock ETF is less than 3bp (0.03%) more expensive than a weighted blend of Total Stock Market and Total International Stock Market -- and you get automatic balancing for free. I would not make asset allocation decisions on the basis of a 0.03% ER difference. If I understand ...
by 2015
Mon Jul 09, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Options after COBRA ends? Cal-COBRA or Guaranteed Issue or ?
Replies: 6
Views: 684

Re: Options after COBRA ends? Cal-COBRA or Guaranteed Issue or ?

Of course Cal-COBRA applies to this large employer, as it applies (though in different ways) to small (2 to 19 employees) and large (over 20 employees) California employers alike. I used Cal-COBRA myself after leaving my large SoCal employer. See this and contact your HR department: https://www.dmhc...
by 2015
Sun Jul 08, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Spending Patterns in Retirement: Retirees are Slow to Exhaust their Assets
Replies: 16
Views: 3497

Re: Spending Patterns in Retirement: Retirees are Slow to Exhaust their Assets

I am now of a certain age where spending seems to involve some kind of work. We are finished with the travel thing after visiting 86 countries. House, car, furniture, clothes shopping is no fun. Fine dining requires a drive - and probably a collared shirt. Spending less requires no work at all. .. ...
by 2015
Sun Jul 08, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8678

Re: What I spent in 6 months on medicare

But it all begins with "what does your favorite doctor take ?" Oh, yes - 6 months is a short time - but it is enlightening to me since my usage of my plan went up quite a bit - and I still see "reasonable" costs. This discussion has been very enlightening. We did have to switch all of our doctors -...
by 2015
Sat Jul 07, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8678

Re: What I spent in 6 months on medicare

?" I am very, very happy with my PCP for the last seven years. We get along very well - and she is cooperative with my "diligence" in following every test, every situation - in great detail. In fact, at the end of discussions at office visots, she typically asks, "What do you think about that?" In ...
by 2015
Sat Jul 07, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8823

Re: What rate of return are you using for retirement projections?

None. No interest. Assuming significantly below average returns using Fidelity's retirement planner more for entertainment than anything else. LMP insulates me from having to care.
by 2015
Sat Jul 07, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8678

Re: What I spent in 6 months on medicare

But it all begins with "what does your favorite doctor take ?" Oh, yes - 6 months is a short time - but it is enlightening to me since my usage of my plan went up quite a bit - and I still see "reasonable" costs. This discussion has been very enlightening. We did have to switch all of our doctors -...
by 2015
Fri Jul 06, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it later?
Replies: 22
Views: 1437

Re: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it la

You could backup and wipe the computer, but I think that's overkill. If I were you, I would: 1. Backup your computer using Time Machine to an external hard drive. You should be doing this fairly frequently so you don't lose critical files in case of a hard drive failure. 2. Enable FileVault encrypt...
by 2015
Fri Jul 06, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: 10 years to lose wealth applicable to bogleheads ?
Replies: 32
Views: 3707

Re: 10 years to lose wealth applicable to bogleheads ?

You use the terms income with wealth interchangeably, so it’s hard to comment. But in general, those in the different quartile a of income do fluctuate over the decades. JT Thanks for catching this and shame on Ben Carlson for not better defining his terms. I read years ago wealth is defined as inc...
by 2015
Fri Jul 06, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8678

Re: What I spent in 6 months on medicare

Keep 2 things in mind: [1] healthcare needs are individual, so comparisons are somewhat meaningless [2] dm200 is a fanboy of Kaiser, with many posts proclaiming that his Kaiser Medigap should be a prime consideration. This thread maybe moving in that direction. I wholeheartedly agree with [1], as a...
by 2015
Thu Jul 05, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6184

Re: Older Women Lifting Weights

I'm reminded of a woman I saw in a gym in West Los Angeles a couple decades ago. While her physique was outstanding, it was her focus and concentration that were most impressive. It was obvious she had been at it for quite some time. She was simultaneously excellence and elegance in action.
by 2015
Wed Jul 04, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: What a high-fee financial advisor really offers as a value proposition
Replies: 17
Views: 1713

Re: What a high-fee financial advisor really offers as a value proposition

I am not pro-adviser in the least, but I think I read somewhere (Kitces, maybe??) that the most important role of an adviser is to provide clear thinking and support during the worst of times, to prevent investors from being their own worst enemy. Depending on the individual investor and the fee cha...
by 2015
Wed Jul 04, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1082

Re: legal document with hyphen/non hyphen middle name

I’ve heard that this can be a problem that can be time consuming to fix in two different circumstances: 1) When applying for social security / Medicare if your names don’t match up 2) For flying, especially internationally, if the name on your photo ID (e.g. drivers license) doesn’t exactly match t...
by 2015
Wed Jul 04, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When is ok to change your IPS?
Replies: 21
Views: 1227

Re: When is ok to change your IPS?

I've beginning to believe you reach a saturation point when it comes to all the junk related to investing. When you've read enough books by the "experts", spent enough years reading the sales/marketing disguised as investing "information" (aka noise) from mortgage paying bloggers, mainstream investm...
by 2015
Wed Jul 04, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1082

Re: legal document with hyphen/non hyphen middle name

I haven't used my birth name on any document since Lincoln was president, as I don't know what my parents were smoking when they came up with it (and they've never "smoked" AFAICT). I've never had a problem. Then again, the name I use simply excludes two letters of my so-called legal name, which in ...
by 2015
Wed Jul 04, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Anxiety Spending Money
Replies: 52
Views: 5209

Re: Anxiety Spending Money

I'm 23. I have a degree in Finance and making a yearly salary of 45k. Actively looking to increase this. (first year working within my degree) I have about 25k saved up. from previous jobs and side hustles - 15k cash - 5k stocks I have 30k of student loan debt - I start making payments next month. ...
by 2015
Wed Jul 04, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 2807

Re: What happens if your Vanguard account has been hacked.

I think it would be impossible unless some inside job. They require so many forms and authorizations. "Inside jobs" can certainly still be fraudulent. It has been reported that a significant number of account "hacks," are not by strangers but by family members or others with ready access to a perso...
by 2015
Wed Jul 04, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 93
Views: 5684

Re: Any Boglehead powerlifters?

Never. Because with all things in life based on a system (the body is based on a biological system), more can go wrong than right. As Charlie Munger would say, "invert, always invert." In this regard, all I want to know is the date of my major injury so I don't show up that day. Huh? :?: :?: It's n...
by 2015
Tue Jul 03, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 93
Views: 5684

Re: Any Boglehead powerlifters?

Never. Because with all things in life based on a system (the body is based on a biological system), more can go wrong than right. As Charlie Munger would say, "invert, always invert." In this regard, all I want to know is the date of my major injury so I don't show up that day. Huh? :?: :?: It's n...
by 2015
Tue Jul 03, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes for those drawing income
Replies: 9
Views: 885

Re: Taxes for those drawing income

Much much better than I intended. Combination of taxable, roth conversions, and using up tax losses is allowing me to mitigate delayed SS/RMD's at age 70. At the same time, I migrated my entire PF to 3 simple fund PF from a nonsense PF created previously from listening to too much sales/marketing bl...
by 2015
Tue Jul 03, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15142

!

Jebmke you mentioned not doing enough due diligence. What will cause you to move & where do you think you will go next? Sure. I think there are at least three major issues that will finally push us to pick up and move. One, we live in a small town environment. While there is, on the surface, a good...
by 2015
Tue Jul 03, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 93
Views: 5684

Re: Any Boglehead powerlifters?

Never. Because with all things in life based on a system (the body is based on a biological system), more can go wrong than right. As Charlie Munger would say, "invert, always invert." In this regard, all I want to know is the date of my major injury so I don't show up that day.
by 2015
Tue Jul 03, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2041

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

[Can you expound on "going extreme" with the VeraCrypt settings? Encryption Algorithm: Using three cascading ciphers with an SHA-512 hash. Slower, but also harder to break. Password is 64 random characters, generated with KeePass using all of the character choices, and the collect additional entrop...
by 2015
Tue Jul 03, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fed survey: 40% of adults cannot cover a $400 emergency expense
Replies: 48
Views: 4990

Re: Fed survey: 40% of adults cannot cover a $400 emergency expense

Actually, this is 40% of adults that would bother responding to a survey cannot cover a $400 emergency . From this subset of the actual population, how many are young adults? A lot of 19 year olds couldn't and they don't care. How many are students? I probably fell into this category in college and...
by 2015
Mon Jul 02, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2041

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

... Really critical stuff is inside a VeraCrypt vault that is mirrored on Dropbox. I go pretty extreme with the VeraCrypt settings... I pretty much used the defaults when containing my VC containers and mirror mine on Google Drive. I didn't get more advanced because I was sure I'd mess things up, b...
by 2015
Mon Jul 02, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Just joined the workforce with $400k in student debt: can you review my financial plan?
Replies: 14
Views: 2346

Re: Just joined the workforce with $400k in student debt: can you review my financial plan?

Have you perused the blog on whitecoatinvester.com? I subscribe to virtually nothing related to the financial aspect of investing, personal finance, and economics anymore. One of the very few exceptions is TWCI blog. Even though a lot of what's posted there doesn't apply to me because I'm not in med...
by 2015
Mon Jul 02, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15142

Re: Retirement Destination - are you happy with your choice?

My transition to the desert is on the verge of completion. I'm the only person I know who can drive through 115 degree desert heat with the windows down and love it. The scenery is breathtaking, like something from another planet.
by 2015
Mon Jul 02, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Dumped my last stock
Replies: 11
Views: 2686

Re: Dumped my last stock

Great! Now you can get on with the business of life. Isn't that why we invest, and not the other way around?
by 2015
Mon Jul 02, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees- How hard is it to dial spending down/up?
Replies: 38
Views: 2671

Re: Retirees- How hard is it to dial spending down/up?

Individuals who have practiced frugality over their lifetime have no issue reducing spending, even drastically, as I did many years ago after crashing into the wall of a serious, almost fatal, health condition. As a result of LMP, I will never have to reduce spending again. In fact, my spending has ...
by 2015
Mon Jul 02, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9464

Re: What’s your plan for a market downturn?

Mostly enjoying the inevitable hysteria in the "stocks in freefall" thread. ... This. I'll stock up on popcorn and it'll be better than a movie any day. It's only when the tsunami comes in that you see which of the overconfident should never have been that deep in the water in the first place. Pers...
by 2015
Sun Jul 01, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: I want play money in my IPS for TSLA puts...
Replies: 6
Views: 900

Re: I want play money in my IPS for TSLA puts...

One danger with this kind of thIng is sometimes your bets will turn out to be right. Then you may think you really do have some magical ability to sustainably beat the market and be emboldened to raise your limits. Absolutely. None so blind as the overconfident. Time would be much better spent stud...
by 2015
Sun Jul 01, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Question on "If You Can, How Millenials Can Get Rich Slowly"
Replies: 30
Views: 3687

Re: Question on "If You Can, How Millenials Can Get Rich Slowly"

Here are some quotes that might help to indirectly address your question... “Bogle, I’m going to tell you everything you need to know if you’re going into the investment business: nobody knows nothing.” – Jack Bogle (on the simple advice he received from an old runner at the start of his investing ...
by 2015
Sun Jul 01, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9464

Re: What’s your plan for a market downturn?

Mostly enjoying the inevitable hysteria in the "stocks in freefall" thread. ... This. I'll stock up on popcorn and it'll be better than a movie any day. It's only when the tsunami comes in that you see which of the overconfident should never have been that deep in the water in the first place. Pers...
by 2015
Sun Jul 01, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: What is a good travel website these days?
Replies: 12
Views: 1644

Re: What is a good travel website these days?

Fortune wrote:
Sun Jul 01, 2018 1:50 pm
Recently, google flights https://www.google.com/flights
+1
by 2015
Sun Jul 01, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12809

Re: What are your property taxes?

donaldc wrote:
Sun Jul 01, 2018 2:12 pm
$11,000 down from $13,000 as my Mello Roos expired.

Thanks to Prop 13, I'm not paying $35,000 like my immediate neighbor.

Orange County, California
Yep. Thanks to 13, I'm paying several thousand less than just about everyone around me in this VHCOL area of LA.
by 2015
Sun Jul 01, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 6884

Re: What are you learning or studying?

On my list next year is learning Tai Chi and taking an improv class for some fun. I'm currently learning Tai Chi and at age 81 finding it harder than I expected--but worth it so far, even though I'm often tempted to skip practicing. I hope you don't skip because the benefits of not skipping any pra...
by 2015
Sat Jun 30, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Lessons from Cliff Asness
Replies: 2
Views: 751

Re: Lessons from Cliff Asness

I've subscribed to excellent Griffin's blog for quite some time. He never fails to engage in very valuable second order thinking.