Search found 3711 matches

by Kenkat
Tue Oct 17, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 6249

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

In other news, it could rain this week. It might be a light shower or a heavy thunderstorm. Of course, maybe it doesn’t rain at all this week but it’s probably going to rain sometime soon, if not next week then almost surely the week after. Unless it doesn’t. That’s also possible.
by Kenkat
Tue Oct 17, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4544

Re: WPA2 protocol used by vast majority of wifi connections has been broken

[*]Netgear and many other router manufacturers have firmware updates. https://kb.netgear.com/000049498/Security-Advisory-for-WPA-2-Vulnerabilities-PSV-2017-2826-PSV-2017-2836-PSV-2017-2837 Does anyone know why the netgear R6400 is missing from that list? It seems to be just about the only model mis...
by Kenkat
Sun Oct 15, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 51
Views: 3562

Re: Amazon Prime - Decline in Delivery Service?

I'm not a Prime member but I've found that a lot of normal (i.e., non-Prime orders) come sooner than expected. So while that says nothing about Prime, it does say that non-Prime members don't necessarily get punished for not succumbing to Bezos' pressure tactics. I have seen that also. My experienc...
by Kenkat
Fri Oct 13, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Career decision time - Help appreciated!
Replies: 20
Views: 1378

Re: Career decision time - Help appreciated!

I would stay in your current job. You are gaining $10k max financial benefits which is just not enough to offset your current job security in my opinion. If you really want job growth, you’d be better testing the market outside of your current company rather than taking the new position.
by Kenkat
Fri Oct 13, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3722

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I think your best bet is to put it in your contract with clients, upfront, no exceptions as you mentioned above. If you lose a few clients, hopefully you can absorb that financially. While I don’t think you would ever be held liable, I do agree with you that driving and talking on the phone, even ha...
by Kenkat
Fri Oct 13, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2512

Re: A good value wine I found...

The Bogle Old Vines Zinfandel is also very good.
by Kenkat
Mon Oct 09, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: New Fiduciary Rule seems to be a big disappointment
Replies: 18
Views: 2259

Re: New Fiduciary Rule seems to be a big disappointment

Except what is better - pay a one time 5.5% upfront commission or pay 1% a year for the rest of your life. Kenkat: There is a third choice: Buy a no-load, low-cost, index fund charging less than 1/20th of 1% for the rest of your life. Best wishes. Taylor Yes! Totally agree! That is why we are all h...
by Kenkat
Sun Oct 08, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: New Fiduciary Rule seems to be a big disappointment
Replies: 18
Views: 2259

Re: New Fiduciary Rule seems to be a big disappointment

The problem the DOL Fiduciary Rule was intended to solve was where brokers / investment advisors / etc. would place clients in load-based commission products primarily with the intent to generate commissions. The most unscrupulous advisors would switch clients in and out of different funds, sometime...
by Kenkat
Sun Oct 08, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 2371

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

I would make the switch now while you are young and can do it unencumbered by a lot of financial responsibilities. My experience with the big 4 type consulting firms is that unless you are going to make a run at partnership, you will probably end up working somewhere else at some point anyway as th...
by Kenkat
Sun Oct 08, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 2371

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

I would make the switch now while you are young and can do it unencumbered by a lot of financial responsibilities. My experience with the big 4 type consulting firms is that unless you are going to make a run at partnership, you will probably end up working somewhere else at some point anyway as the...
by Kenkat
Sun Oct 08, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8064

Re: I'm thinking about cashing completely out of equites....

Studies have repeatedly shown that allocation changes made in reaction to feelings, gut instinct, valuation metrics, etc. typically don’t increase returns. I have no doubt that is true, but the OP is not seeking increased returns. He is essentially saying, "I have more than enough for the rest of m...
by Kenkat
Fri Oct 06, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8064

Re: I'm thinking about cashing completely out of equites....

There is a school of thought that says you should invest all the money you need to live into something very safe and then with the rest, allocate it to a relatively high equity exposure as you are not really investing for yourself but your future heirs who are presumably younger than you and will be...
by Kenkat
Fri Oct 06, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3027

Re: Simple Notebook/laptop

Well it doesn’t have the Windows OS which may or may not be important depending on your use case.
by Kenkat
Fri Oct 06, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3027

Re: Simple Notebook/laptop

A step up from a Chromebook is a 2-in-1. It has some if the features of a tablet (lighter weight, ability to reduce the form factor size) while keeping some of the benefits of a laptop (full Windows OS, full size keyboard, etc.). Examples are the Lenovo Yoga line; Dell, Asusu and HP make similar pro...
by Kenkat
Thu Oct 05, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2706

Re: Garage door opener on last leg

When I’ve done this in the past, I was able to buy the latest model Chamberlain at Home Depot an install the head unit right onto the existing hardware and rails - everything matched up. I stowed all the extra parts in the basement for awhile but eventually just threw them out. I did set the metal p...
by Kenkat
Thu Oct 05, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5442

Re: Is the new Chevy Equinox any good?

The difficulty I have with CR ratings is that I am mostly interested in long term reliability and it is very difficult to reliably rate that on current models available for sale. Anecdotal evidence is probably not much better, but here’s mine. I have a 2004 Chevrolet Monte Carlo (40,000 miles, my mo...
by Kenkat
Wed Oct 04, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2127

Re: to good to be true?

I went and read the full payout schedule on the website: After the sale of a project, clients will get their payout as following: 1. Principle 2. 5% APR from the date the investors deposits the funds with us (even if the money not yet invested in a specific property) 3. Expenses RAC fronted will be ...
by Kenkat
Tue Oct 03, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3509

Re: Equifax to offer free “credit freeze” for life

FrugalInvestor wrote:
Tue Oct 03, 2017 2:33 pm
Hopefully the process for locking and unlocking will be secure.
That will be the next hacker target.
by Kenkat
Tue Oct 03, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9141

Re: Buy on Really Bad Days, Sell on Really Good Days?

I know, but I am just not interested in making decisions daily. Well the consensus seems to be don't try this strategy. But I have to admit if the market pops one day and my portfolio goes up by 2, 3 or 4 weeks of expenses I would be hard press not to take that gain, say thank you to Mr. Market and...
by Kenkat
Tue Oct 03, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7351

Re: Peter L. Bernstein: Cash BETTER than Bonds

In 1989, I bought a 18 month CD that paid 9.4%. I remember this so well because it was the high water mark of my CD investing experience. Interest rates and inflation have plunged since 1989, so to move from bonds to cash in 1989 was pretty bad advice from a performance point of view based on how th...
by Kenkat
Tue Oct 03, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9141

Re: Buy on Really Bad Days, Sell on Really Good Days?

The problem with this strategy is if you sell on a really good day, you are now out of the market and miss any subsequent good days. When the next really bad day hits, you may end up buying back in higher than your last exit point. How does this differ from rebalancing? It doesn’t, really. Rebalanc...
by Kenkat
Tue Oct 03, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9141

Re: Buy on Really Bad Days, Sell on Really Good Days?

The problem with this strategy is if you sell on a really good day, you are now out of the market and miss any subsequent good days. When the next really bad day hits, you may end up buying back in higher than your last exit point.
by Kenkat
Tue Oct 03, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: when current 401K options suck
Replies: 17
Views: 1101

Re: when current 401K options suck

If these are the non-index Fidelity Freedom target date funds, they are not that bad; performance of these has been comparable or better than Fidelity’s indexed versions. While that may not continue in the future, 0.6-0.7% ER is still on the lower side for active offerings and if this is your only c...
by Kenkat
Mon Oct 02, 2017 6:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4048

Re: Retirement Class of 1998 (Sheepdog's Experience)

book lover wrote:
Mon Oct 02, 2017 1:36 pm
Great post, the picture of your dog always cracks me up. I second your sentiment regarding feeling grateful to the Bogleheads for all the wonderful advice over the years.
That is his DOG? :D

Great post, sheepdog. A life well lived...
by Kenkat
Sat Sep 30, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4203

Re: Waxing my car!

I like the Meguiar’s Liquid Cleaner Wax for first time and / or less frequent waxing. If you wax more frequently, the Meguiar’s Ultimate Liquid Wax is another good choice.
by Kenkat
Sat Sep 30, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3971

Re: I bought a car without thinking too much about value

You also don’t save much by buying used Toyotas since they hold their resale value very well. Many recommend just buying new when it comes to Toyota. Hondas often fall into the same category. Sounds like you did fine on the price by going through Costco as well. Any deal you made on your own would h...
by Kenkat
Tue Sep 26, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 737

Re: Windows 10 Question

I usually just right click a directory and click "Open up in a new window" What's the difference , if any , between a directory and a folder ? In the beginning, there was DOS. And the users saw that it was good. But they said, we need a way to organize our files and the directory was created. And t...
by Kenkat
Tue Sep 26, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 737

Re: Windows 10 Question

Right click the File Explorer icon in the bottom toobar, then select File Explorer and it will open a new instance each time.
by Kenkat
Tue Sep 26, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1067

Re: DIY gas fire pits. Propane or Natural Gas?

i wish we had a wood pit....gas fires are quiet. just a steady flame. wood fires have character and sound, they rise and die. they require tending. it is much more evocative to our primal sensitivities. I will add to this as we have a small propane fire pit on our patio. In addition to the above, p...
by Kenkat
Sun Sep 24, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6184

Re: What is your favorite reasonably priced bourbon?

This post inspired me to have Bourbon last night. I killed off what was left of the Angel’s Envy and started in on the Jefferson Very Small Batch. An embarrassment of riches...
by Kenkat
Sun Sep 24, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6141

Re: Spouse Money Management

What are her earning prospects when she gets out of college? Maybe she out earns you in the future and then what happens? I think you are way too early in the game to worry about this. It seems like she spends a lot of her income because she doesn’t have much income. She’s going to school to better ...
by Kenkat
Sun Sep 24, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11622

Re: Lifestyle Creep

I make sure I am on track to meet my savings and retirement goals and I then feel released to creep as I see fit. To me, it is all about the value you get out of the money you spend and we all make choices based on that. Someone may chose to travel while another may stay at home but drive a dream ca...
by Kenkat
Sun Sep 24, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4471

Re: IOS 11: Anybody using it yet?

The new keyboard is going to take some getting used to. No problems on my iPad Pro 9.7 though.
by Kenkat
Sun Sep 24, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2976

Re: Do you subscribe to digital newspapers?

I have Sunday delivery of the paper version of my local city newspaper as well as a subscription to their digital content which I use frequently during the week.
by Kenkat
Sun Sep 24, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5091

Re: Bogleheads monthly costs of dog ownership?

This thread is incomplete without a least one of these "types" of posts, so here goes... I do not own a dog. Since OP decided to postpone acquiring a dog, I guess it’s okay to go a bit OT. Your post is incomplete. The thread isn’t complete without additionally casting aspersions on people who pay f...
by Kenkat
Sat Sep 23, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6184

Re: What is your favorite reasonably priced bourbon?

A bourbon snob suggested: Four Roses, Bulleit, Elijah Craig, Knob Creek I was also told to put a little water in it. He thought Maker's Mark was good but overrated and what everyone seems to drink. To each his own. The water thing is why I like mine on the rocks - chills it down a bit as well as di...
by Kenkat
Sat Sep 23, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5091

Re: Bogleheads monthly costs of dog ownership?

This thread is incomplete without a least one of these "types" of posts, so here goes...

I do not own a dog.
by Kenkat
Sat Sep 23, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6184

Re: What is your favorite reasonably priced bourbon?

One of the things I like about bourbons is the variety - so many to try - I have 5 bottles in various states that I am currently going through. A few of my favorites:

Agree that Four Roses is very good
Buffalo Trace
Angels Envy
Makers / Makers 46
Basil and Hayden
by Kenkat
Fri Sep 22, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2421

Re: Phone Techies .....

If you can hang on until Black Friday in November, you can likely score a good deal on a newer iPhone at a low cost.
by Kenkat
Thu Sep 21, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 706

Re: How does this two factor authentication work?

Pseudo-random, not random, correct? Otherwise, how could they both generate the same number? Nit picking. It is a distinction without a difference for security purposes. RSA SecureID is secure. Well except when the algorithm got stolen and they had to replace all of the hardware devices several yea...
by Kenkat
Thu Sep 21, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2207

Re: The money trail...import vehicle vs domestic.

I just gave up on the whole thing since I own two Chevrolets made in Ontario, Canada, a Toyota made in Kentucky, USA and a Honda made in Alabama, USA.
by Kenkat
Thu Sep 21, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3652

Re: Luxury Car Purchase

What are your monthly expenses? Do you have any other income source besides your $3M nest egg. It is impossible to give an answer without more details although some would say when it comes to a Rolls Royce, if you have to ask, you can't afford it. The queen has 3 and she just bought them without ask...
by Kenkat
Sun Sep 17, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport.com possible vulnerability (apache struts framework)
Replies: 21
Views: 2020

Re: annualcreditreport.com possible vulnerability (apache struts framework)

It's not like Apache Struts is forever and always broken. As Pajamas said, the vulnerability was patched half a year ago. There are plenty of sites running Apache Struts that have nothing to worry about because they are patched. The problem with Equifax was not Apache Struts specifically. That was ...
by Kenkat
Sun Sep 17, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport.com possible vulnerability (apache struts framework)
Replies: 21
Views: 2020

Re: annualcreditreport.com possible vulnerability (apache struts framework)

It's not like Apache Struts is forever and always broken. As Pajamas said, the vulnerability was patched half a year ago. There are plenty of sites running Apache Struts that have nothing to worry about because they are patched. The problem with Equifax was not Apache Struts specifically. That was ...
by Kenkat
Sun Sep 17, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4129

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

If you chose to fly first class, that's fine. We all work to earn a living and to enjoy our lives and there's nothing wrong with that. Looking at the bigger picture though, the point I think is that John Bogle has chosen a life of service to others instead of, or in addition to, personal wealth. I f...
by Kenkat
Sun Sep 17, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: 401k's are for sheeple! According to some guy.
Replies: 19
Views: 2444

Re: 401k's are for sheeple! According to some guy.

You are probably not going to become fabulously wealthy working in a job and contributing to your 401k. You are also probably not ever going to be penniless either. On the the other hand, you could become fabulously wealthy if you go out and start your own business. You could also be broke if it fai...
by Kenkat
Sat Sep 16, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2481

Re: Why are so many Chinese visiting my website?

You are being probed for vulnerabilities. Keep your OS, servers and firewalls patched; you might be able to configure your firewall / border network to reject IP ranges coming from locations you have no interest in reaching.
by Kenkat
Sat Sep 16, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6980

Re: Distressing news -> Flight to Safety ?

All this makes complete sense. There is one big problem I have seen - there's no real evidence that it actually works. The stock market feels overvalued but maybe it's not. Or maybe it is. You just don't know and your gut is not usually a good way to tell. If you are willing to lower risk by reducin...
by Kenkat
Sat Sep 16, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6980

Re: Distressing news -> Flight to Safety ?

Lyrics Harry Truman, Doris Day, Red China, Johnnie Ray South Pacific, Walter Winchell, Joe DiMaggio Joe McCarthy, Richard Nixon, Studebaker, Television North Korea, South Korea, Marilyn Monroe Rosenbergs, H-Bomb, Sugar Ray, Panmunjom Brando, The King And I, and The Catcher In The Rye Eisenhower, Vac...
by Kenkat
Fri Sep 15, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1393

Re: Should I upgrade an old but functional vanity?

My wife would tell you yes...

I am with you on the "ain't broke" approach.

We worked out a compromise.