Search found 639 matches

by FreeAtLast
Sat Sep 29, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1969
Views: 365915

Re: What are you up YTD? [Year To Date]

In distribution phase of my life and invested only in Vanguard funds. Six out of seven of these are index funds. 55/45 AA, stocks to bonds. International portion of stocks is now at 15%. YTD total return is 4.11%. I'm perfectly happy with that. :D All I ask for is that the bear market does not start...
by FreeAtLast
Sat Sep 29, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 66
Views: 6730

Re: Someone spoofing my phone number?

I am re-activating this old thread for the moment because the 1 in 10,000 spoof just happened to me. I was sitting at home in my easy chair reading an excellent book (of which I will report upon fully when I finish it). My cell phone is lying next to me on a small book table. The cell phone rings an...
by FreeAtLast
Wed Sep 19, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4093

Re: “Majority of working-age Americans have no retirement savings”

livesoft wrote:
Wed Sep 19, 2018 11:14 am
I, for one, am not wondering where all the poor retirees are. They are everywhere. I see them all the time.
In particular, I encounter them in multitudes at casinos and racetracks ( yes, I patronize such places, but at least I know that I can easily afford the losses that I may incur). 8-)
by FreeAtLast
Tue Sep 18, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Manager - Cancer Diagnosis
Replies: 15
Views: 1771

Re: Manager - Cancer Diagnosis

Oh boy, OP, you really awakened a memory in me that I had not thought about for a long time. Years ago, when I was in the middle of my career, I visited a female colleague in her office to discuss some managerial issues that she and I were working on together. In the middle of our talk, she got up, ...
by FreeAtLast
Mon Sep 17, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003449

Re: What Book Are You Currently Reading? Part VI

I have two books to recommend in one post. One book covers the field of paleontology and the other the field of astronomy. I refer to them as "catch-up" books, as they have allowed me to update my knowledge of these two sciences to this decade: "The Rise And Fall of The Dinosaurs", by Steve Brusatte...
by FreeAtLast
Tue Sep 04, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 6803

Re: Playing with Callan's periodic tables of investment returns

Just for fun, I assembled a table for bonds. Here it is. Click to see a larger image. LTT = Long-Term Treasuries; ITT = Intermediate Term Treasuries; STT = Short Term Treasuries; T-Bills = Treasury Bills; IT Corp = Intermediate Term Corporates; HY Corp = High Yield Term Corporates; TIPS = Treasury ...
by FreeAtLast
Sun Sep 02, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: [Have medical issue - How should I change my investment strategy?]
Replies: 11
Views: 1200

Re: Gout- What works

First of all, I am very sorry that you have been afflicted by gout. However, I believe that you are being entirely too negative about your future and I will make some recommendations that I don't think will violate this Forum's rules about medical advice: 1) Yes, by statistical studies, gout suffere...
by FreeAtLast
Thu Aug 30, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003449

Re: What Book Are You Currently Reading? Part VI

Got 3/4ths through 109 East Palace: Robert Oppenheimer and the Secret City of Los Alamos by Jennet Conant, 2006, fascinating and unlike other books I've read about that time and place, when my eBook loan expired; I' m waiting for the book to become available again and then I'll finish it. While I'm...
by FreeAtLast
Sun Aug 19, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003449

Re: What Book Are You Currently Reading? Part VI

"The Brotherhood Of Spies: The U-2 And the CIA's Secret War" by Monte Reel (Doubleday 2018) The U-2 spy plane is still in use today, having survived several promised retirements by the Pentagon, because its "ancient" technology can surpass that of drones and satellites in a number of military survei...
by FreeAtLast
Tue Jul 24, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003449

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: 362
Views: 18399

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: 362
Views: 18399

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: 362
Views: 18399

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: 3333
Views: 1003449

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: 9830

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: 7771

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: 7771

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: 7771

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: 35472

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: 2438

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: 35472

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: 18562

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: 11142

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: 4086

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: 1634

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: 3333
Views: 1003449

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: 3760

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: 2977

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: 6889

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: 3333
Views: 1003449

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: 9290

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: 316
Views: 44711

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: 6302

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: 3333
Views: 1003449

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: 4027

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: 3333
Views: 1003449

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: 4968

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: 10216

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: 2052

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: 2826

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: 3333
Views: 1003449

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: 2641

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: 3333
Views: 1003449

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: 4398

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: 2582

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: 19702

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: 10346

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: 431

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: 8640

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: 6031

Re: What is your investment strength?

1) K.I.S.S.
2) Discipline
3) Patience
4) Long View