Search found 1982 matches

by 2015
Fri Oct 19, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Malkiel no longer endorses blind-folded monkeys, likes smart beta
Replies: 26
Views: 2583

Re: Malkiel no longer endorses blind-folded monkeys, likes smart beta

Another day (yet) another pundit with interests diametrically opposed to my own. Yet another reason to listen to lawnmowers cutting grass instead.
by 2015
Fri Oct 19, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 28
Views: 1384

Re: Why dismiss sectors?

I dismiss them for the same reason I don't go to the race track.
by 2015
Fri Oct 19, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: So...what’s Plan B [for your retirement security]?
Replies: 20
Views: 2142

Re: So...what’s Plan B [for your retirement security]?

If I have to go to Plan B things will be so bad I'll be thinking about other things besides investments. Given my own temperament, I subscribe to the safety versus probability school of thinking. As such, I would never be comfortable using an SWR strategy. I have engaged in liability matching for al...
by 2015
Fri Oct 19, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: End of Life Expenses
Replies: 6
Views: 1062

Re: End of Life Expenses

This further demonstrates that Medicare alone cannot be expected to pay for 100% of your medical expenses beyond the age of 65. IIRC, a recent study found that those receiving Medicare benefits can be expected to pay around $250k in medical expenses over the course of their lifetime. Compare this t...
by 2015
Fri Oct 19, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 17
Views: 2591

Re: Set it and forget it

It's terminology I know, but I tend to think of it in terms of Maximizers versus Optimizers. In my mind (and I'm influenced by something I read by someone much smarter than I am), optizimizers attempt to do the best they can and no more in relation to their own temperament, investing philosophy, per...
by 2015
Fri Oct 19, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1420

Re: How important is registered mail for important documents?

I'd just send it in a priority envelope. The less time its in their hands the better and Priority mail is extremely reliable from my experience. Although I can't ever remembering any normal first class postage getting lost either. I would agree with this. I've had things sent certified and our belo...
by 2015
Fri Oct 19, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6169

Re: Did you retire because you hit your number?

I mostly agree. One exception is my comedy classes. DC Improv offers two types of class schedules: at night after 7PM and on weekends at 11AM or 2-3PM. I prefer to take weekend classes, because everybody has caught up with sleep, and these classes are usually followed by group lunches. A more gener...
by 2015
Thu Oct 18, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Local review of Truecar
Replies: 8
Views: 861

Re: Local review of Truecar

During the research process when I bought my car three years ago I read a boatload of bad things about Truecar regarding their relationship with dealers so I didn't use them. I used a great thread here regarding a methodology for buying cars. It worked quite well for me.
by 2015
Thu Oct 18, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Masters Degree Advice
Replies: 25
Views: 2354

Re: Masters Degree Advice

I am a recent mechanical engineering graduate (<1 year) and am looking for some career advice. I just started working and am making about 70k a year prior to overtime. I do not receive time and a half unfortunately, I get straight time. So an opportunity may arise in the near future to have my Mast...
by 2015
Thu Oct 18, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 48
Views: 3737

Re: Cross-country trip via Amtrak

Had such an amazing time on my two trips (LAX to PDX, following year LAX to NOL) that in the next year or two I intend to spend about a month taking routes all over the country. Each time I booked a roomette which was perfect. No way would I consider ruining the trip by breaking it up with riding in...
by 2015
Thu Oct 18, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10569

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

When people spend four pages break dancing on the head of a pin on this (and seemingly everything else), it doesn't matter what you do. As Janet Jackson said, "Whose right? Whose wrong?" Not everyone's blinders can be right.
by 2015
Thu Oct 18, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 56
Views: 5770

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

We have the ring system. Doorbell and four plug in camera around our house and in our barn. 100 a year to store all the alerts we get in case we need them. They were very easy to install did them all in a day. The doorbell is wireless/battery the others are plug in and connect to our wifi. Overall ...
by 2015
Wed Oct 17, 2018 8:18 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2891

Re: What was max drop in 2000 and 2008?

... Throughout my retirement savings journey I also found that I didn't mind losses too much as long as the total of my retirement savings, including all of my monthly contributions, was higher at the end of the year than at the beginning. It was when the boat seemed to be sinking faster than I cou...
by 2015
Wed Oct 17, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6169

Re: Did you retire because you hit your number?

To me Saturday means people are out crowding the stores and the restaurants! You know you're retired when you're annoyed by holidays because things are closed and you can't get done what you wanted to. LOL... so true, and we never go shopping on a weekend. I mostly agree. One exception is my comedy...
by 2015
Wed Oct 17, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 40
Views: 3074

Re: Inflating AGI to avoid paying back ACA Premium Tax Credit

... Normally, I have no income other than CG's, dividend, and interest income, so much roth convert in order to attain sufficient MAGI levels in order to quality for the Silver 87 plan. Unfortunately, this year, I have unanticipated large CG's which will in fact disqualify me for any PTC's/subsidie...
by 2015
Wed Oct 17, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6169

Re: Did you retire because you hit your number?

Combination of reasons... in no particular order. Political changes had made it impossible to make further achievements towards goals. Goals had been largely achieved. Number had been reached. When your eyes turn brown they have filled you up and it's time to go. I was 64 and April Fool's Day 2012 ...
by 2015
Wed Oct 17, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 40
Views: 3074

Re: Inflating AGI to avoid paying back ACA Premium Tax Credit

If I may: Often when the issue comes up it's in a non- Medicaid expansion state . The drafters of the ACA didn't contemplate the Supreme Court throwing out the threat to the states. It's left an unintended situation in which a person's income can be too low to qualify for Medicaid. The number in qu...
by 2015
Wed Oct 17, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Transfers
Replies: 3
Views: 984

Re: Ally Bank Transfers

In all the years I've been with Ally I've never had an issue with transfers, and I ach transfer monthly. Just did a wire transfer on Monday and they even waived the wire transfer fee.
by 2015
Wed Oct 17, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6169

Re: Did you retire because you hit your number?

Combination of reasons... in no particular order. Political changes had made it impossible to make further achievements towards goals. Goals had been largely achieved. Number had been reached. When your eyes turn brown they have filled you up and it's time to go. I was 64 and April Fool's Day 2012 ...
by 2015
Tue Oct 16, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Money Markets and CDs now
Replies: 6
Views: 1821

Re: Money Markets and CDs now

I have been moving some of my short and intermediate bond funds into Prime Money Market and 1 year and 18 month CDs due to the rising interest rate environment. I wanted to see if people think that this is a good strategy at this time. Thanks. John3 You'll get lots of different opinions, I'm sorry ...
by 2015
Tue Oct 16, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Online statements/ mail Vs paper
Replies: 6
Views: 936

Re: Online statements/ mail Vs paper

A major drawback to downloading statements online and saving them digitally, is when you die, how will your executor or trustee find everything you own? How will they find your will or trust? How will they know if you owe any bills or Treasury Direct bonds or where your deeds or car title is? What ...
by 2015
Tue Oct 16, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33728

Re: U.S. stocks continue to soar!

Nasdaq is up over 2% - other indexes closing in on 2% - we are back in business folks. Thank me later. I'm certain the only reason the market is back is because I was about to head over to Ross Stocks For Less and drop some cash while stocks were on sale. Now that the sale is apparently over, I'll ...
by 2015
Tue Oct 16, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552541

Re: U.S. stocks in freefall

And thar she bounces! Another in a long line of quick bounces. Bouncing back quickly is obviously the new normal. It will happen every time from now on! At least now I know how to bet invest. The truck is now idling in reverse gear in anticipation of the next drop! Yep. She bounced almost 550 point...
by 2015
Tue Oct 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2817

Re: Reasonable cost for a forever home?

Things change. People change. Jobs change. Kids change. School change. Kids move away. People retire. Neighborhoods change. Styles change. Needs change. Everything changes. A "forever home" is not the goal. Buy as much house as you need and can afford. Buy no more. 20% down. Avoid PMI. Still allowi...
by 2015
Tue Oct 16, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4116

Re: Relocation to California

... ... I KNOW you liked something during those 30 years! :) Well, since every single point I made seems to have gone over your head, it's fruitless to continue. OTOH, I stated more than once one the best features about enduring the low(er) quality of life in the BA and in SoCal's coastal cities is...
by 2015
Tue Oct 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4116

Re: Relocation to California

I didn't realize that I lived in a living hell. I guess the beaches, mountains, deserts, and the performing arts in the region have kept me blinded my whole life. I have often thought about moving, but anywhere I have visited that I thought was nice I knew I would be bored after a while. But for th...
by 2015
Tue Oct 16, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 56
Views: 5770

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

We have the ring system. Doorbell and four plug in camera around our house and in our barn. 100 a year to store all the alerts we get in case we need them. They were very easy to install did them all in a day. The doorbell is wireless/battery the others are plug in and connect to our wifi. Overall ...
by 2015
Tue Oct 16, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 777
Views: 257069

Re: Variable Percentage Withdrawal (VPW)

Thank you, longinvest, that's a very clear explanation and totally makes sense to me. I know you've put a lot of work and research into all of this, and it is really benefiting me and many others. I missed this post and couldn't agree more. Other than the 3 fund PF and Berstein's won the game conce...
by 2015
Tue Oct 16, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 1890

Re: How much of a dip do you want before you TLH?

TLH is probably the only exception I'll make to adding a bit of complexity to my financial picture. Currently, it's because I'm in (desperate) need of losses to offset gains. As such, I intend for the time being to take advantage of any dip where I can TLH. It's one of the very few times I can see c...
by 2015
Tue Oct 16, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 56
Views: 5770

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

Not sure, you can turn the alarm on yourself, the cameras themselves will not trigger the siren alarm. There are alerts for movement that you get and you can set your "zones". but as far as the alarm seeing movement and then triggering the siren that doesn't happen with the cameras we have. Thank y...
by 2015
Tue Oct 16, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Did anyone change Experian Credit Freeze Pin?
Replies: 5
Views: 746

Re: Did anyone change Experian Credit Freeze Pin?

Due to the breach and potential compromise of experian Pin, did anyone change yours at experian.com ? I did. If yes, can you please let me know how to do this? I followed the simple instructions on this page for changing it online. I filled out the first form for removing the freeze and two minutes...
by 2015
Tue Oct 16, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4536

Re: Vanguard changing my Admiral shares to Investor Shares

... Vanguard will not switch you to investor shares unless you sell your mutual fund and end up below the limit. Market movements will not trigger the action. ... Thank you, I was trying to find this. VG has never switched me to investor shares so I have no direct experience. However, I knew I'd re...
by 2015
Tue Oct 16, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: What Jack Bogle Expects From the Market
Replies: 11
Views: 2164

Re: What Jack Bogle Expects From the Market

Why don't people leave that poor man alone? I kinda agree with you but...He doesn't have to agree to the interviews. Or he could say "I'm happy to be interviewed but I won't answer questions about predictions because they are boring to me". I would think Mr. Bogle, like Mr. Larimore, is entirely to...
by 2015
Tue Oct 16, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4116

Re: Relocation to California

-1. I think many of you are giving clearly hyperbolic personal experience as universal fact. Come on... Just give the OP the straight dope. LA has one and only one REAL problem. Traffic. It's an absolutely huge very bad big problem for sure, but a hell hole? a second tier world class city? Please.....
by 2015
Tue Oct 16, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4116

Re: Relocation to California

Until quite recently lived in Lost Angeles for over 30 years. I think I know a thing or two about it. I'd characterize it as a living hell. Ok, so unless you were incarcerated for over 30 years, I just have to wonder what forced you to stay in “living hell” for all that time... :twisted: I will adm...
by 2015
Mon Oct 15, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 56
Views: 5770

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

We have the ring system. Doorbell and four plug in camera around our house and in our barn. 100 a year to store all the alerts we get in case we need them. They were very easy to install did them all in a day. The doorbell is wireless/battery the others are plug in and connect to our wifi. Overall ...
by 2015
Mon Oct 15, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4536

Re: Vanguard changing my Admiral shares to Investor Shares

Petty and foolish on the part of Vanguard - while they have the right to do it, it would be interesting to know whether they change ALL of their customer accounts to investor shares if the account balance drops below the admiral thresholds. It seems like they will be causing lots of waves and only ...
by 2015
Mon Oct 15, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4116

Re: Relocation to California

It’s interesting that anytime anyone posts that they’re considering a move to anywhere in California, a number of people who mostly don’t know much about California feel the need to tell the OP what a bad decision that is, because they will go broke and then be killed by a homeless drug dealer. OP ...
by 2015
Mon Oct 15, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: What Jack Bogle Expects From the Market
Replies: 11
Views: 2164

Re: What Jack Bogle Expects From the Market

Why don't people leave that poor man alone? Like nervous poodles, "students of investing" are always jumping at Bogle's pants legs begging for a prediction, interpretation, or a preaching. He has to oblige because nervous poodles just don't know how to quit bouncing. And bloggers like Christine Benz...
by 2015
Mon Oct 15, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 9
Views: 1049

Re: Muscular Portfolios Questions

Welcome to the forum. I can say after several years of reading, debating, reading, debating, etc... investing really comes down to 4-5 things and that is it. Here is my advice after all the waste of time spent on reading about investing: 1. Make as much money as you can so you can save as much mone...
by 2015
Mon Oct 15, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4536

Re: Vanguard changing my Admiral shares to Investor Shares

Petty and foolish on the part of Vanguard - while they have the right to do it, it would be interesting to know whether they change ALL of their customer accounts to investor shares if the account balance drops below the admiral thresholds. It seems like they will be causing lots of waves and only ...
by 2015
Mon Oct 15, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2329

Re: How do you buy a mattress ?

I bought Bed of Nails for $20 on Amazon. After lying on it for 10 minutes, it helps me to sleep better than any mattress. Victoria Is there a whips and chains option to go with that bed of nails? Leather accessories, maybe? Whips and chains are for when you do NOT want to sleep. Here is bed of nail...
by 2015
Mon Oct 15, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: "Turn Off The Financial News"
Replies: 13
Views: 1852

Re: "Turn Off The Financial News"

The problem with this is everyone says to turn off the financial press except for their own academic paper, or their own blog, or anything from the "well-respecteds", or the "good guys", or the 80 millionth version of a finance book, or the latest prognostication/pontification from an expert, etc., ...
by 2015
Mon Oct 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2642

Re: trip to Grand Cayman & dieting

Overconfident morons with charts, graphs, and technical analysis for wallpaper are always trying to make my investing, micro economics, and financial situation infinitely more complicated than it needs to be, perhaps even dangerously so given the behavioral aspect. Couple this with the daily tsunam...
by 2015
Mon Oct 15, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2329

Re: How do you buy a mattress ?

VictoriaF wrote:
Mon Oct 15, 2018 10:24 am
I bought Bed of Nails for $20 on Amazon. After lying on it for 10 minutes, it helps me to sleep better than any mattress.

Victoria
Is there a whips and chains option to go with that bed of nails? Leather accessories, maybe?
by 2015
Mon Oct 15, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2642

Re: trip to Grand Cayman & dieting

Consult a Registered Dietitian, not a bunch of people on the internet who are interested in personal finance and investing. Seriously, would you consult a Registered Dietitian on how to allocate your 401k? We tell people not to consult "registered" financial advisers on this site as well :) There's...
by 2015
Mon Oct 15, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 746

Re: Failing Updates With Windows 7 Professional

Never understood why people are so afraid to update their software. Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe? If you hate Windoze, why stay with 7 or 8? Actually have 8.1, and I'm not staying with them. Just getting a little ...
by 2015
Sun Oct 14, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 746

Re: Failing Updates With Windows 7 Professional

Never understood why people are so afraid to update their software. Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe? That’s one update. I meant keeping windows 7 on a computer when newer versions are available. No actually it's not ...
by 2015
Sun Oct 14, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1717

Re: Is it better to have fewer investment choices?

... When I start researching things like factor funds, and brokers that allow you to build a custom portfolio using a vast array of ETF's for no commissions, I start to feel a little excited, like I might when tinkering with a new programming language or playing a video game. I remember some advice...