Search found 630 matches

by FreeAtLast
Tue Jul 24, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"Fierce Patriot: The Tangled Lives of William Tecumseh Sherman" by Robert L. O'Connell (Random House, 2014) In the last twenty years, many books have been written about U.S. Grant. I plan to read Ron Chernow's recent effort by the end of this year. Before that pleasant task, however, I was able to p...
by FreeAtLast
Fri Jul 13, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14873

Re: COMING SOON: BOGLEHEADS PODCASTS

OK, another attempt, since everybody else is submitting multiple times:

"Bombastic Bogleheads Bloviating Brilliantly" (and no, I am not intoxicated right now).
by FreeAtLast
Thu Jul 12, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14873

Re: COMING SOON: BOGLEHEADS PODCASTS

FreeAtLast wrote:
Thu Jul 12, 2018 11:42 am
"Boring Investing, The Bogleheads Way"
I missed that AtomicCash preempted my first suggestion. So now I want to submit a substitute: "The Bogleheads Attack!"
by FreeAtLast
Thu Jul 12, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14873

Re: COMING SOON: BOGLEHEADS PODCASTS

"Boring Investing, The Bogleheads Way"
by FreeAtLast
Sun Jul 08, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"Space Odyssey: The Making Of A Masterpiece" by Michael Benson (Simon and Schuster, 2018). A recipe for a unforgettable and ground-breaking science fiction movie: Take two well-respected and famous visionaries, one in cinema (Stanley Kubrick) and one in science fiction (Arthur C. Clarke). Mix well u...
by FreeAtLast
Thu Jul 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9382

Re: What time do you get up in the morning?

When I retired, I swore that - unless there were special circumstances involved - I was going to get at least 8 hours of sleep a night for the rest of my life. So, if I go to bed at 12:00 midnight, then I am up by 8-8:30 AM. If - as often happens - I stay up late finishing a novel or studying, then ...
by FreeAtLast
Sat Jun 30, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7316

Re: What are you learning or studying?

I am a more than a little hesitant about posting what I am trying to learn, because some Forum members will derisively be calling 'Bravo Sierra" on me. Oh, well. In any case, for the past year and a half, I have been studying the mathematical foundations of both Quantum Mechanics and General Relati...
by FreeAtLast
Sat Jun 30, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7316

Re: What are you learning or studying?

I am a more than a little hesitant about posting what I am trying to learn, because some Forum members will derisively be calling 'Bravo Sierra" on me. Oh, well. In any case, for the past year and a half, I have been studying the mathematical foundations of both Quantum Mechanics and General Relati...
by FreeAtLast
Fri Jun 29, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7316

Re: What are you learning or studying?

I am a more than a little hesitant about posting what I am trying to learn, because some Forum members will derisively be calling 'Bravo Sierra" on me. Oh, well. In any case, for the past year and a half, I have been studying the mathematical foundations of both Quantum Mechanics and General Relativ...
by FreeAtLast
Thu Jun 28, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33699

Re: What is/ was your career and would you recommend it now?

Artistic polymath, raconteur, dilettante, professional knave. Have you ever considered adjacent markets such as rascal, scoundrel or rogue? Absolutely, but more as a hobby. In my retirement, I haven't yet decided whether to become a ne'er do well or a blackguard. To be the latter requires a lot mor...
by FreeAtLast
Mon Jun 25, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Diversification, Long Before Mr. Markowitz
Replies: 37
Views: 2286

Re: Portfolio Diversification, Long Before Mr. Markowitz

Very educational and enjoyable thread. Thank you, SimpleGift, and everybody else who posted their enlightening replies. :happy
by FreeAtLast
Fri Jun 22, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33699

Re: What is/ was your career and would you recommend it now?

Bachelor's in Chemistry. Health and Safety Specialist. I think I posted some of these items within the last year, although I am too lazy to do a search to find out: Assess and manage asbestos hazards and supervise removals. Assess and manage hazardous chemical hazards and supervise removals. Assess ...
by FreeAtLast
Mon Jun 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17736

Re: Life in retirement - what did you do today?

Got Up. Checked the local and national and world news. Daily exercise session. Ate lunch (biggest meal of day for me). Made hotel reservations for trip to Virginia. Planned out driving route. Went to Barnes and Noble to buy new highway maps and to check out latest books. Bought chocolate chip cookie...
by FreeAtLast
Fri Jun 08, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10699

Re: Why do we work?

midareff wrote:
Fri Jun 08, 2018 2:26 pm
I worked so I could enjoy my two favorite things..... living indoors and eating.
You forgot to mention napping and imbibing. Funniest post of the week, midareff. :beer
by FreeAtLast
Mon Jun 04, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Illiteracy’s High Cost
Replies: 30
Views: 3918

Re: Larry Swedroe: Financial Illiteracy’s High Cost

What is a "unit of financial literacy?" I am unable to access the academic paper that Larry references.
by FreeAtLast
Mon May 28, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever overpaid your federal income tax bill?
Replies: 17
Views: 1547

Re: Have you ever overpaid your federal income tax bill?

Instead of paying my estimated federal taxes on four separate dates throughout the year, I pay them all by the first required date in April. Except this year I was distracted by a lot of issues and when I calculated the total payment, I forgot to take the new tax law revisions into account. Overpaid...
by FreeAtLast
Sat May 19, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"Strange New Worlds: The Search For Alien Planets" by Ray Jayawardhana (Princeton University Press, 2011). The author is an active astrophysicist and he has done us all a favor here by publishing this little book (227 pages of text). Ever wonder how astronomers have been able to discover and charact...
by FreeAtLast
Wed May 09, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3564

Re: Do I need to unfreeze my credit before applying for a new card?

What if I don't apply to them, but they send me an application for their card? Still need to unfreeze?
by FreeAtLast
Tue May 08, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2840

Re: Happy 89th birthday to Bogle

I simply don't have the words in this short space to express how much I admire and respect this man (maybe in a 5 page essay, single-spaced). Buon Compleanno, Jack! :D
by FreeAtLast
Mon May 07, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6694

Re: When to buy new underwear?

If I had died in an auto accident and my mother went to identify the body.....the first thing she would have done is to confirm that I was wearing clean underwear. :twisted:

My vote is with the "elastic band wearing out" folks.
by FreeAtLast
Sun May 06, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"Waterloo" by Bernard Cornwell (Harper Collins Publishers, 2014) Two weeks ago I was at the library staring at several shelves worth of books about this famous battle. After about one-half hour of perusing, I picked this tome. Good choice. It's an comprehensive, engaging, and very readable overview ...
by FreeAtLast
Sun May 06, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8960

Re: What career for smartest kid in the class?

I'm a Pediatrician, and certainly do not want my kids to become doctors. I love being a Pediatrician, but it's disheartening to see how many non-doctors with as little as 27 months of ONLINE training and 1-year of clinical rotations are being allowed to see children. To make things worse, these peo...
by FreeAtLast
Sat Apr 28, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 304
Views: 41264

Re: Good Modern Science Fiction

"Gunpowder Moon" by David Pedreira (HARPER Voyager, 2018) I am amazed by this first "hard sci-fi" novel from a writer who seems to have no formal training in physics, chemistry, geology, space medicine, or any other science necessary to convincingly depict living, working, and surviving in the extre...
by FreeAtLast
Tue Apr 24, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5987

Re: How long have you been unemployed?

Age 62, retired over 4 years.

From the first day of my first full-time job to the first day of retirement, I was only unemployed once.....for 3 months, 3 days, 11 hours, and 23 minutes. :)
by FreeAtLast
Fri Apr 20, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"Greeks Bearing Gifts" by Philip Kerr (G.P. Putnam's Sons, 2018) If I counted correctly, this book is the 13th Bernie Gunther novel. As such, the reader can expect at least the following: 1) Bernie is forced against his will to dance to somebody else's tune, either by threat of imminent death, impri...
by FreeAtLast
Sat Apr 07, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3902

Re: JAMA article's health implications for asset allocation

RadAudit wrote:
Sat Apr 07, 2018 7:00 pm
VictoriaF wrote:
Thu Apr 05, 2018 2:16 pm
The U.S. market has never lost 75%, but it could
I thought the US market (Dow) lost 90% over several years during the Depression. Could be wrong.
My historical data table taken from an old Bogleheads' thread states from 08/30/1929 to 05/31/1932 = negative 84.59% for the S&P 500. :(
by FreeAtLast
Sat Apr 07, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"The Frozen Hours" by Jeff Shaara, Ballantine Books (2017) Shaara writes historical fiction and in most cases I don't read that sort of stuff. But he really does his homework concerning the characters he writes about and the situations they find themselves in, so I am more than willing to accept the...
by FreeAtLast
Fri Apr 06, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4732

Re: Is it very hard to learn Spanish?

I took 4 years in high school and then one year in college - one semester of Advanced Grammar and one semester of Spanish Literature. Like anything else, some of it is easy and some of it is difficult. You will recognize a lot of words, as pointed out above, and a lot of the pronunciations will come...
by FreeAtLast
Mon Apr 02, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 9987

Re: Liability for 32 year old step son living home

I would suggest family counseling for you and your wife, to get help with figuring out what to do as a team. Allowing him to live in your house, rent free, indefinitely, without dealing with whatever the issue is, is *your* problem, not his. You’re both enabling him to not deal with whatever his pr...
by FreeAtLast
Thu Mar 29, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?
Replies: 26
Views: 1923

Re: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?

Is it an actual or an estimated reading? I received a high use gas bill for January, it was an estimated bill and corrected itself in February when they actually came out and read the meter. This sort of thing just happened to me. They didn't read my meter for NINE MONTHS, so all I had during that ...
by FreeAtLast
Sat Mar 24, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: New Member, highly determined! Looking for advice / direction on becoming financially literate
Replies: 34
Views: 2680

Re: New Member, highly determined! Looking for advice / direction on becoming financially literate

I am assuming that "Alexander Adams" is your actual name. If so, I would suggest that you change your username to something anonymous. Especially if in the future you might be posting personal financial details in this Forum.

Regards and Welcome,
FreeAtLast
by FreeAtLast
Wed Mar 21, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

'Friends And Traitors" by John Lawton, Atlantic Monthly Press (2017) Here we have a new Inspector Frederick Troy story, and it's a doozy. Troy dodges an assassin's bullets, is jailed under suspicion of murder, is rigorously investigated concerning his loyalty to Britain by MI5, while all the time tr...
by FreeAtLast
Mon Mar 19, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2350

Re: Ever received a legitimate unsolicited call from the I.R.S.?

Years ago, when this scam first reared its ugly head, my mother got one of these calls. Fortunately, she did exactly as I always told her to do, which was tell the person that she would have to speak with me before she took any action. When she contacted me, she was very upset, tortured by visions o...
by FreeAtLast
Sun Mar 18, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

'The Late Show" by Michael Connelly; Little, Brown and Co. (July 2017) Connelly introduces a new protagonist, LAPD detective Renee Ballard. If you like the adventures of Harry Bosch, then you will have no problem enjoying this crime tale. Connelly is on top of his game in this one and Ballard is a v...
by FreeAtLast
Fri Mar 16, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4008

Re: What is your favorite reasonably priced Rum?

10 Cane from Trinidad was absolutely delicious. Had a hint of bananas in the aftertaste. Unfortunately, discontinued in 2015. If I had known that beforehand, I would have stocked up with at least a case. :( :oops:
by FreeAtLast
Mon Mar 12, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2304

Re: Incorrect medical report

I am hoping to solicit suggestions on how to handle correction of a medical report from the physicians on this board. Recently I obtained a copy of a medical report and discovered it is incorrect. The report states an event that did not occur. A message was left with the physician's nurse and when ...
by FreeAtLast
Sat Mar 10, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19258

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

I have studied military history for long time, 40 years. A book and a trilogy got me started. The book was William Shirer's The Rise and Fall of the Third Reich. The trilogy was Bruce Catton's Civil War. For a beginner today, I would still recommend them highly.
by FreeAtLast
Thu Mar 08, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 49
Views: 9857

Re: Credit score dropped 30 points because I paid off my auto loan?

Well, I might as well throw in my two cents here. I paid off an auto loan (5K) in January. My Barclay's Master Card sent me an email saying my credit score had changed. I automatically assumed a decrease. Lo and behold, my score increased from 819 to 833 to 840 in 2 months. I am pretty sure that Bar...
by FreeAtLast
Thu Mar 08, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Form 1040-ES for 2018
Replies: 2
Views: 358

IRS Form 1040-ES for 2018

I have been eagerly waiting for this document to be published and I finally found it today by Googling. I like to get my first estimated payment out of the way well before April 17th. If it was available before today's date, I couldn't find it.
by FreeAtLast
Mon Mar 05, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: The Illusion of "The Long-Term Average" in Investing
Replies: 61
Views: 8423

Re: The Illusion of "The Long-Term Average" in Investing

Just to add: In no way am I an expert in statistics, and will readily admit to suffering for years from the illusion of The Long-Term Average in historical financial data — that is, until I read this short treatise: All Change! The Implications of Non-stationarity for Empirical Modeling , Hendry & ...
by FreeAtLast
Sun Mar 04, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5669

Re: What is your investment strength?

1) K.I.S.S.
2) Discipline
3) Patience
4) Long View
by FreeAtLast
Sat Mar 03, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"The Raymond Chandler Omnibus", Alfred A. Knopf NY (1976): - Farewell, My Lovely (1940) There is a line early on in that book where Marlow describes his first glimpse of Moose Malloy (the guy whose "lovely" is in the title). He was a big man but not more than six feet five inches tall and not wider...
by FreeAtLast
Sat Mar 03, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 965937

Re: What Book Are You Currently Reading? Part VI

"The Raymond Chandler Omnibus", Alfred A. Knopf NY (1976): - The Big Sleep (1939) - Farewell, My Lovely (1940) - The High Window (1942) - The Lady of the Lake (1943) With all the police procedurals and murder mysteries that I have read in my life, it is embarrassing that I finally got around to read...
by FreeAtLast
Wed Feb 28, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8670

Re: 30-Day Minimalist Challenge

I'd say the hardest stuff to get rid of are the sentimental items that stay in boxes in the back of the closet but you feel bad when you attempt to throw them out. Taking pictures of these things really helps so that you can still retain the memories associated with them without having to hoard the...
by FreeAtLast
Sun Feb 25, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4889

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Why don't we have much more financial education in public schools, starting at the elementary level? :?
by FreeAtLast
Wed Feb 21, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40065

Re: What UN-frugal thing do you do?

I won't drink cheap alcohol. While not a annoyingly zealous craft beer guy, I don't drink mass produced American beers (with one exception, below). Fortunately I have five microbreweries within a ten mile radius. Usually drink only Scotch single malts unless the tavern I am at has only blended whisk...
by FreeAtLast
Mon Feb 19, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5789

Re: Chillin' in the BH Lounge

"This morn I was in a foul mood,
And then I found this thread,
Now I am one happy dude,
Oh, what nisiprius said!"

Every once in a while, this forum needs a little silliness to offset the excessive solemnity of some of the posts. :D
by FreeAtLast
Fri Feb 16, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 168
Views: 18654

Re: Retirees: The common sense withdrawal method

I vote with jebmke. I have used the "TL" method since retiring 4 years ago, and feel very comfortable with it. I will admit that I live a very simple and frugal lifestyle. It does not take a lot of withdrawal money to make me happy: good books from our excellent public library, a walk around the nei...
by FreeAtLast
Sun Feb 11, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Docs
Replies: 16
Views: 1498

Re: Legal Docs

I live in a medium cost of living (MCOL) area and I am having all my documents updated: Last Will and Testament (with a trust amendment), Health Care Proxy, Living Will, and Power of Attorney. It's going to cost me $500. I consider that money very well-spent to obtain a legally valid, up-to-date, an...
by FreeAtLast
Thu Feb 08, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 27091

Re: free dinner investing seminar

Listening to such a pitch would raise my blood pressure and defeat the whole point of a nice dinner out. I’d rather pay for the meal myself and actually enjoy it, or, more likely, cook a nice steak at home for $15 or so. Hah! At least one poster in this thread has the same reaction that I would "li...