Search found 1233 matches

by Cosmo
Sun Apr 05, 2020 11:13 am
Forum: Investing - Theory, News & General
Topic: Isnt shale oil industry more of risk factor than covid itself?
Replies: 45
Views: 3162

Re: Isnt shale oil industry more of risk factor than covid itself?

If only they had saved more of an emergency fund and didn't buy lattés and new iPhones. But seriously, I very much look forward to coal and oil companies being relegated, in my lifetime, to the conversational replacement for buggywhips as an example of obsolescence. We clamour for the latest and gr...
by Cosmo
Sun Apr 05, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128795

Re: Coronavirus (Consumer Issues) How you are preparing?

Who puts you in quarantine? Who enforces this? I have a difficult time believing there will be involuntary quarantines. Governors can declare martial law and use that to enforce quarantines and other 'draconian' measures with perfect legality. I am a lawyer and this is correct. Please. lol Please w...
by Cosmo
Sun Apr 05, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: Isnt shale oil industry more of risk factor than covid itself?
Replies: 45
Views: 3162

Re: Isnt shale oil industry more of risk factor than covid itself?

I think the OP has some misplaced worries. There was no shale oil years ago and the economy was fine. Oil and gas companies go bust all the time. It is a natural event for them. Yep! The shale oil industry did not really exist yet during the Great Recession just 11-12 short years ago. You know what...
by Cosmo
Tue Mar 03, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: Problem setting up wi fi router
Replies: 14
Views: 697

Re: Problem setting up wi fi router

I've got it all working now. You have to make changes using an app your phone. I had downloaded the app yesterday but couldn't get it to work. When I went to http://www.routerlogin.net I was able to set a password, then was able to get the phone app to work, then was able to make changes. Thanks fo...
by Cosmo
Tue Mar 03, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128795

Re: Coronavirus (Consumer Issues) How you are preparing?

bob60014 wrote:
Tue Mar 03, 2020 6:43 pm
The world is going crazy. None of this stocking up and shortages of stuff makes any sense. But I'm still glad I have a few old Sears catalogs laying around! ;)
+1 And it's showing up in this thread. :)
by Cosmo
Tue Mar 03, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128795

Re: Coronavirus (Consumer Issues) How you are preparing?

don't get the toilet paper thing...does this virus give people diarrhea? I see lots of over reaction. A few scramble to get certain supplies, others see the shelves getting a little low on certain things and they join in. Sort of like when everyone is seated comfortable at the airport waiting to bo...
by Cosmo
Tue Mar 03, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128795

Re: Coronavirus (Consumer Issues) How you are preparing?

don't get the toilet paper thing...does this virus give people diarrhea? I see lots of over reaction. A few scramble to get certain supplies, others see the shelves getting a little low on certain things and they join in. Sort of like when everyone is seated comfortable at the airport waiting to bo...
by Cosmo
Sat Feb 29, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Now may be a good time to focus on your other interests
Replies: 23
Views: 1792

Re: Now may be a good time to focus on your other interests

Just snowed another 12 inches. 30 inches on the ground. Went for a beautiful 4 mile snowshoe hike with my dog and Fidelity auto invested my weekly contribution. I cancelled TV over 2 years ago. Kindle, Netflix and Books-a-Million are great. The best way to forget about things. Go on a long hike in ...
by Cosmo
Sun Dec 22, 2019 10:23 am
Forum: Personal Investments
Topic: Year end questions
Replies: 17
Views: 1548

Re: Year end questions

4) I did the following, but I see that many people have never done it, so to answer your last question, here's what I think others should wish they did: Each year fill out one's own tax return or attempt to duplicate the way one's paid preparer filled out one's tax return in order to understand one...
by Cosmo
Thu Dec 05, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Another Streaming Device?
Replies: 34
Views: 1869

Re: Another Streaming Device?

In another thread there is mention of people having a Roku on one TV and a Firestick on another. Is there any advantage to having TWO different streaming devices? I am not interested in sports, if that makes a difference. I am a fairly new cord cutter, having made my final DirecTV payment in April ...
by Cosmo
Mon Dec 02, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6658

Re: Airline overhead bins...do you think they're assigned?

You aren't wrong. It would be far better if airlines charged for carry on rather than checked luggage, but this is the system we're stuck with. Yes! This! I thought I was the only one who felt this way. Charging folks for carry on luggage would not only instantly discourage the practice (people are...
by Cosmo
Sat Nov 30, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10327

Re: Why I love banks

My bank (it's one of the big names, not really a great bank but I have many accounts there and am too lazy to switch) gives you free checks and wires and other things as long as you maintain a certain minimum balance. Fair enough, I thought, as long as I'm not keeping it in cash (in which case they...
by Cosmo
Thu Nov 28, 2019 12:28 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 91
Views: 4957

Re: Giving thanks to our moderators

Today is Thanksgiving Day. This morning I am seeing our moderators at work as they do every day, using their time and efforts to make this forum educational, entertaining, and safe for all contributors to contribute without harassment. I give my thanks to you all. Jim Thank you, moderators, along w...
by Cosmo
Tue Nov 19, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4807

Re: TV purchase -- 55" or 65" vs viewing distance

JoeRetire wrote:
Tue Nov 19, 2019 4:24 pm
https://www.crutchfield.com/S-2c4SHJ94k ... ement.html

"Go with the largest screen your room, viewing distance, and budget will accommodate. "

You need at least an 80" television. Anything less is just cheaping out.
Or being rational.
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: 11739

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: 889
Views: 294790

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: 889
Views: 294790

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: 38
Views: 4171

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: 1043

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: 10829

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: 10829

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: 37754

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: 5709

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: 9580

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: 10829

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: 10829

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: 4977

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: 1358

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: 6679

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: 111
Views: 76916

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: 717
Views: 103690

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: 12457

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: 115
Views: 9963

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: 1336

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: 11542

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: 7964

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! 96 years young!
Replies: 77
Views: 6228

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: 3879

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: 951

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: 3879

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: 6391

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: 7837

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: 7837

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: 60200

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: 1569

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: 10858

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: 15000

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: 13198

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...