Search found 1218 matches

by Cosmo
Thu Oct 24, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9908

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

It seems to be that there are a lot of iPhone related threads in recent history here on BogleHeads asking about advice on upgrading, features, etc. I am absolutely shocked at the market penetration that the iPhone has gained over the last 5 years and the insanity (IMHO) about "apple fans" that will...
by Cosmo
Thu Oct 10, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 793
Views: 251308

Re: Retiree Portfolio Model

Apologies if this was already asked somewhere in this thread but is this spreadsheet compatible with OSX Numbers? TIA Cosmo This was my conclusion back in 2015 (do a thread search on OSX to see) and I suspect nothing has changed. As for the Apple O/S, a forum member recently tested RPM with Apple N...
by Cosmo
Fri Oct 04, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 793
Views: 251308

Re: Retiree Portfolio Model

Apologies if this was already asked somewhere in this thread but is this spreadsheet compatible with OSX Numbers? TIA

Cosmo
by Cosmo
Tue Jun 25, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3611

Re: Facebook reading our minds?

I'm not on Facebook but my wife is. Tonight, we were at a local restaurant. We had an appetizer that was so good that we talked about looking for a recipe in order to fix it at home. A few minutes ago, she showed me her Facebook feed. On it was a video showing how to make the dish we had talked abo...
by Cosmo
Wed May 01, 2019 11:49 am
Forum: Personal Investments
Topic: Sell l Bond or VWLTX to pay off mortgage?
Replies: 9
Views: 990

Re: Sell l Bond or VWLTX to pay off mortgage?

My opinion: If you are selling lower earning assets to pay off a higher interest rate debt, that is a great decision though it will place you in a higher equities asset allocation which will increase your risk profile. Afterwards you can recover your asset allocation by using the mortgage payment a...
by Cosmo
Wed May 01, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10280

Re: Series I Savings Bonds Buying Opportunity

I will wager that you don't know any more (or less) than I do on future interest rates. Cosmo True in general, but you don't seem to be aware of the fact that the fixed rate has never been higher than the 10-year TIPS as long as that was above zero. Are you glad you didn't give me 2:1 odds on that?...
by Cosmo
Sat Mar 30, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10280

Re: Series I Savings Bonds Buying Opportunity

For me I Bonds are a buying opportunity every year come January 1. +1 January 1 31 is always better. :happy As long as you buy the I Bonds ;y the last business day of the month, you'll earn the full month's interest, so plan your purchase accordingly. For those of you that advocate buying i-bonds o...
by Cosmo
Sat Mar 30, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 35159

Re: "The best and worst U.S. states for retirement"

Send out the word, Florida is full up We have enough for now Truth be known (or my opinion), any state that offers a climate that gets people outside to walk or play (where tennis and golf can be played all year long) is a good place to be. There is a lot to be said for longevity Having lived in SE...
by Cosmo
Tue Mar 26, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Boeing 737 Max 8 Flight: Would you rebook?
Replies: 63
Views: 5514

Re: Boeing 737 Max 8 Flight: Would you rebook?

I'm scheduled to fly on a 737 Max 8, Ethiopian air, direct from ORD to Addis Abada at the end of August. The original flight was booked with miles via United. I'm debating the merits of rebooking. Right now, my best alternative looks to be a flight on KLM via Amsterdam. I have to leave a day earlie...
by Cosmo
Sat Mar 23, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 9091

Re: 10 Year/3 Month Treasuries Inversion

carol-brennan wrote:
Fri Mar 22, 2019 9:35 am


Here's some actionable advice: Imagine the equity portion of your portfolio decreasing by 50-75 percent and staying down for a decade.
Do you know something I do not know?
by Cosmo
Thu Mar 21, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10280

Re: Series I Savings Bonds Buying Opportunity

Thesaints wrote:
Thu Mar 21, 2019 6:14 pm
Cosmo wrote:
Thu Mar 21, 2019 6:09 pm
The fixed rate may go higher.
The fixed rate may go lower.
The fixed rate may stay the same.

We just don't know.
Cosmo
I'd be very willing to give you a 2:1 on a bet.
I will wager that you don't know any more (or less) than I do on future interest rates.

Cosmo
by Cosmo
Thu Mar 21, 2019 6:09 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10280

Re: Series I Savings Bonds Buying Opportunity

With 5-year TIPS below 0.50% and 10-year barely above, the current issue of Series I Savings Bonds at 0.50% looks like a good buy for those with an interest in indexed bonds. On April 10 the inflation rate for the next six months will be known. Does not look too exciting and might very well end up ...
by Cosmo
Wed Mar 20, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4750

Re: Slow cooker vs Instant pot........

If you want your dishes slowly cooked with dried out meat and with a boring slow-cooked taste all the time, get a slow cooker. Despite what others say here, an instant pot does cook faster and your food isn't left with a distinctive slow-cooker taste.

Cosmo
by Cosmo
Sat Mar 16, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Best app to listen to music?
Replies: 13
Views: 1267

Re: Best app to listen to music?

Spotify is great for us.
by Cosmo
Sun Mar 10, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: After ten years, most of the record of the crash is gone
Replies: 41
Views: 6505

Re: After ten years, most of the record of the crash is gone

gmaynardkrebs wrote:
Sat Mar 09, 2019 6:58 pm
grabiner wrote:
Sat Mar 09, 2019 5:26 pm
...but need to be reminded that this risk will show up occasionally, as it did in December 2018.
Occasionally? The risk is always there with stocks. It never is not there.

Yes, always there but it doesn't always show up.
by Cosmo
Tue Feb 19, 2019 7:43 pm
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 109
Views: 72108

Re: How to use Vanguard Portfolio Watch for rebalancing

One thing I have unfortunately experienced is that PW takes my Fidelity accounts and treats them as other. To use the tool I have to go to tester and convert Fido total stock, total bond, and total international to get my AA and stock breakdown. Vanguard must really feel threatened by Fidelity. Wou...
by Cosmo
Sun Feb 17, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 518
Views: 69544

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Great post. This reinforces 4 things to me. 1. Keep SPIA's on the option table. 2 . 25X is not enough, maybe not even close going forward. 3. Ability to adjust withdrawals is vital. 4. Explore alternate income streams. j :D Did OP actually imply that 25X is good? Yes, of course they did. "it looks ...
by Cosmo
Wed Feb 06, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12050

Re: Need Help - DW Laid Off and Company wants her back now

I generally disagree with the above suggestions, and here is why: As I understand it, your spouse (and you) had a brutally emotional day being told she was terminated, and then learning that many in the organization value her services and want her to stay. The first question is, as many point out, ...
by Cosmo
Wed Feb 06, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 8493

Re: If you are old, why bother with rebalancing!!?

What event lead the OP (livesoft) to this inspiration/revelation? Or has OP decided not to care anymore? I've read a few "help me with my portfolio" threads in the past few weeks from retirees in their late 60's or older who have been worried about managing their portfolios or want to dis-engage fr...
by Cosmo
Sat Feb 02, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: Choosing an electric company in Texas
Replies: 16
Views: 1248

Re: Choosing an electric company in Texas

For people who live in Texas, do you change your electronic company every year to get the best deal? I find it very hard to comparison shop because our eletricity usage varies a great deal because of AC use in the summer. Usually our monthly usage is between 700 to 1200kw when AC is not in use. Wil...
by Cosmo
Fri Feb 01, 2019 7:47 pm
Forum: Personal Investments
Topic: Making a 3.8 million deposit
Replies: 96
Views: 11260

Re: Making a 3.8 million deposit

I'd skip the banks entirely and just put ALL the money at Vanguard to start with. You don't need FDIC insurance if you put the money into T-Bills. I don't think you need FDIC insurance if you put the money into a US Treasury money market fund. After all, the US Treasury is the backstop for the FDIC...
by Cosmo
Fri Feb 01, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7570

Re: The dark side of Bond Funds ?

White Coat Investor wrote:
Fri Feb 01, 2019 7:25 pm
It's true that the expense ratio does not include bid-ask spreads. That's another reason why you should favor low turnover funds like index funds.

The article mentions Vanguard Total Bond Market Index Fund in particular.

Cosmo
by Cosmo
Tue Jan 29, 2019 7:36 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 4486

Re: Happy Birthday, Taylor!

Happy Birthday, Taylor and thank you for tirelessly sharing your wisdom with us, over and over and over again.

Cosmo
by Cosmo
Sun Jan 27, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax vs. H&R Block
Replies: 50
Views: 3529

Re: Turbo Tax vs. H&R Block

Thanks, I'll check out tfb's blog. I've been following with interest so I just read his blog. While he recommends buying the installed software in the title of the blog, when you read it, he makes no compelling case to buy the software. After reading the blog, I would much rather use the online ver...
by Cosmo
Sun Jan 27, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Portable Air Compressor Adapter
Replies: 12
Views: 924

Re: Portable Air Compressor Adapter

I have a portable electric air compressor that I attempted to use today to inflate a car tire, however the part on the end of the compressor's hose that goes over the valve stem in the tire is too big and all it does it let air out, instead of letting air into the tire. The compressor's hose is fix...
by Cosmo
Sun Jan 27, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax vs. H&R Block
Replies: 50
Views: 3529

Re: Turbo Tax vs. H&R Block

Thanks, I'll check out tfb's blog. I've been following with interest so I just read his blog. While he recommends buying the installed software in the title of the blog, when you read it, he makes no compelling case to buy the software. After reading the blog, I would much rather use the online ver...
by Cosmo
Fri Jan 25, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard stole $0.01?
Replies: 80
Views: 6208

Re: Vanguard stole $0.01?

Wow, I just assumed this wasn’t a serious post but evidently it is, with more than 20 people responding! I don’t really have anything to add so please consider this my two cents worth. There. You are now a penny ahead. Problem solved.

Cosmo
by Cosmo
Mon Jan 21, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7346

Re: Paying thousands per ticket to attend the NFL Super Bowl?

DiMAn0684 wrote:
Mon Jan 21, 2019 10:59 am
I feel like the consensus here is that people are willing to pay thousands (or reasonable amount wrt their income / net worth) to go see an event they're passionate about, be it a sporting event, a show or a concert.
Are you reading the same thread as me?
by Cosmo
Mon Jan 21, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7346

Re: Paying thousands per ticket to attend the NFL Super Bowl?

Global100 wrote:
Sun Jan 20, 2019 8:06 pm
Would you (or have you) paid thousands per ticket to attend the NFL Super Bowl game? Share your thoughts and/or experiences if was worth it.

To watch the Patriots play the Rams? Could there be a more boring match up? I will not and have not.

Cosmo
by Cosmo
Wed Jan 16, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57120

Re: John Bogle is dead at 89

I'm a reporter at Barron's and would love to hear some of your reflections about John Bogle and his impact on your investing and lives. Please email me at nicholas.jasinski@barrons.com if you'd be willing to share your thoughts. Thank you. Rest in Peace. Welcome! I confirm NMJB is a reporter for Ba...
by Cosmo
Sat Jan 12, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: What is an appropriate retirement gift?
Replies: 23
Views: 1460

Re: What is an appropriate retirement gift?

jebmke wrote:
Fri Jan 11, 2019 11:35 am
This is one of the best retirement gifts I have received. I have given a couple as well.

https://dayclocks.com/

We have a winner. Love this idea.
by Cosmo
Fri Jan 11, 2019 10:52 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 10565

Re: Did you ever "win" big?

My son was born in early 2009 -2 months premature and was in serious condition. As you can imagine, it was a tough time for parents. His grandparents gave us a nice chunk of money to start a 529 plan. With all of the stress and anxiety, I didn't get around to doing it right away but I finally opened...
by Cosmo
Fri Jan 11, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 14167

Re: Disciplined with finances, but not so with diet

Wow, the moderators must be on vacation. I can't believe this hasn't been locked yet. In all seriousness, if you are relatively healthy and have good genes, eating a well-balanced diet* is a great way to keep your healthcare costs down as you get older. Stay away from all sugars and processed foods!...
by Cosmo
Tue Jan 01, 2019 7:38 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 12066

Re: My favorite Boglehead posters

:oops: I did not see any mention of a few of my favorite posters from days gone bye. Adrian Neu, imbroglio, and chaz. (I'd suspect both imbro & chaz still visit.) Thx Admin, & mods for all you do. Overlooking the oodles and oodles of investing & financial info and life's minutia & insights many, ma...
by Cosmo
Sun Dec 23, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10675

Re: When did the musicians on the titanic realize their fate?

There have been several threads about the current drop in the equity markets. Some wanting to predict the bottom, many discussing the possible bear market (we've been in one since Oct at least). Anyways, I look at the replies and many posters are still joking about this drop, many do not have the f...
by Cosmo
Sun Dec 23, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 3154

Re: DCA – change of tune, loss of nerve, and how to time?

Due to factors that are out of our ability to control the timing of, we will be receiving a good amount of money in the next few months. I have been blithely saying that I will lump sum invest this money, but now that the time is coming closer, my nerve isn’t holding up. The amount of money is appr...
by Cosmo
Tue Dec 18, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 42848

Re: Mr. Money Mustache, SWR, and equity allocation

I don't recall MMM suggesting you use a 5% withdrawal rate without regard to market conditions, but rather that you adapt spending if there is a downturn. It's more a variable withdrawal rate. Also, he notes that early retirees often find ways to earn money after retirement. He sure does here: http...
by Cosmo
Wed Nov 14, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2280

Re: Mesh versus Range extender

bob60014 wrote:
Wed Nov 14, 2018 6:39 pm
The cable modem/airport is in the basement, a terrible location. Can you run a network cable from there, there is outdoor grade cable if it needs to be run outside, to the wifi router on a higher floor? We did this a few years ago and solved our issues. It was easy and quick to do.
This.

Cosmo
by Cosmo
Fri Nov 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 7026

Re: Point and shoot camera

I feel like the majority of the answers here were written in 2008 rather than 2018.
by Cosmo
Tue Nov 06, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1416

Re: Tips on alleviating caffeine withdrawal symptoms?

I drink 1-2 cups of coffee a day and enjoy it very much. Some days I skip coffee and can cruise along fine but there are other days when the caffeine withdrawal symptoms hit me so severely. Once the symptoms hit, drinking caffeine does not help me and I have no choice but suffering through them unt...
by Cosmo
Tue Nov 06, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Exceed Treasury Direct purchase limit? Answer inside!
Replies: 11
Views: 1360

Re: Exceed Treasury Direct purchase limit? Answer inside!

VA_Gent wrote:
Tue Nov 06, 2018 8:53 am
Cosmo wrote:
Tue Nov 06, 2018 8:36 am
What makes you think they won’t reverse it? It’s still early.
Because it purchased I bonds in the account for $4480 and $5620.
Yes, I get that but that wasn’t my question. Please report back if the status of these purchases should change over the coming days.
by Cosmo
Tue Nov 06, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Exceed Treasury Direct purchase limit? Answer inside!
Replies: 11
Views: 1360

Re: Exceed Treasury Direct purchase limit? Answer inside!

What makes you think they won’t reverse it? It’s still early.
by Cosmo
Thu Aug 23, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 11430

Re: I own 1,387 items!

Although this thread is in danger of getting locked, I find it very interesting as I never bothered thinking about my stuff in this way.
by Cosmo
Thu Jul 05, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13843

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

As far as productively is concerned, it is not important how early you wake up, the amount of sleep/sleep quality is what matters. I would work on getting better quality sleep, which means no electronic devices <two hours before going to sleep.
by Cosmo
Sun May 13, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 50713

Re: Lucrative careers?

Machine Learning and Artificial Intelligence. Tacking onto this, anything that has to do with numbers or data. Particularly non-traditional / unstructured data like images, call center transcriptions, converting publicly available information like 10k's into high value business decisions. I think w...
by Cosmo
Thu May 10, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 11065

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by Cosmo
Tue May 08, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3765

Re: Happy 89th birthday to Bogle

Where has the time gone? It seems like it was just yesterday when we were wishing Mr. Bogle a Happy 88th birthday! Now it is his 89th! Many best wishes for the founder of Vanguard and the man who brought index funds to the masses. And I remember his 80th birthday as if it happened just nine years a...
by Cosmo
Sat May 05, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 11065

Re: Moving to The Woodlands,TX

Anyone give me a rough estimate on home insurance in the Woodlands? I would be looking at a 2000 sq feet home around 250k. Something like $1600/yr for regular home insurance and another $1000/yr for flood. Homeowners sounds right. If you are outside the 100 year flood plain, you will pay $450 per y...
by Cosmo
Sat May 05, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 11065

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...