Search found 102 matches

by KarenC
Tue Aug 13, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 115
Views: 10006

Re: Apple Card

According to this BuzzFeed article , there is no provision for paying off the card on the web: The new Apple Card credit card has an iOS-only app to see transactions and make payments, which means if you lose your Apple device, you won’t be able to pay your bill online. For me, this is a showstopper.
by KarenC
Mon Aug 12, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 14937

Re: What is happening with Vanguard site?

Same for me! I can get to some pages, but when I go to https://personal.vanguard.com/us/myacco ... esholdings the site doesn’t respond.
by KarenC
Sat Jul 20, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8161

Re: Do you buy cellphone outright or pay over 2 years?

I get the latest iPhone each year... one of a small handful of indulgences I enjoy outside the Bogleheads philosophy. I'm a tech/gadgets guy, software engineer by trade, etc. I'm on Apple's iPhone Upgrade Program. Costs me the same to finance versus buy outright, and I have the option of trading in...
by KarenC
Thu Jul 04, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 882
Views: 291725

Re: Variable Percentage Withdrawal (VPW)

longinvest wrote:
Thu Jul 04, 2019 9:06 am
[…] Effectively, what do you think?
I think I would actually use this approach. (In contrast, my gut reaction to the silo approach was a hard “No.”)
by KarenC
Mon Jun 24, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: 72(t) SEPP: What did you do at 59 1/2?
Replies: 5
Views: 623

Re: 72(t) SEPP: What did you do at 59 1/2?

I'm also making 72(t) withdrawals. I'll make my last withdrawal in the 2021 tax year, but I won't feel like I'm really done with it until I file my 2021 tax returns. At that point, I'll roll the remaining funds in the account I created specifically for 72(t) purposes back into my general TIRA accoun...
by KarenC
Mon Jun 17, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 882
Views: 291725

Re: Variable Percentage Withdrawal (VPW)

One feature you had on previous spreadsheets was the ability to put in an inheritance amount to be left at the end of the term. That might be useful to have in this one as well. I like the idea of having a buffer amount available :happy . […] What I'm trying to explain is that it simply makes no se...
by KarenC
Mon Jun 17, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 100
Views: 16609

Re: Do not use Personal Capital

If you think each bank has developed its own systems then you know nothing about modern IT and systems integrations. Most of the banks lease systems. It is either SaaS or PaaS and IaaS. This is done for liability, security, and connectivity. Nobody will developed their own Fair Isaac system because...
by KarenC
Mon May 06, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 7247

Re: International Exposure — A Fresh Look at Your Stock Portfolio

DonIce wrote:
Mon May 06, 2019 6:05 pm
You diversify across companies, not national origin of revenues. […]
+1
by KarenC
Sat Apr 20, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8908

Re: This could be the biggest risk that retirees face?

Living to 100 is peanuts. We will have much longer lifespans. This will not be the case if life expectancies continue increasing at their current pace. Take a look at the graph below. https://i.imgur.com/G4KSEHz.png?1 From 1850 to 1950, the life expectancy of a 70 year old only increased from about...
by KarenC
Sun Apr 07, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 33530

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

I wish money magazine kept that website going. Is there any other website you have found with similar capabilities? I think my number 1 would be weather/climate, 2 affordability (including taxes), 3 decent healthcare, 4 desired activities available (astronomy/computer club, Tai Chi master, beach or...
by KarenC
Tue Apr 02, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 15487

Re: How often do you check your net worth?

Seems there are 3 methods how BHers update net worth: 1. Using Personal Capital (auto calculates every time one logs in) 2. Using Quicken (auto calculates every time one updates transactions) 3. Using spreadsheet (calculate NWT. Manually record (copy/paste) the outcomes over time, once a month/quar...
by KarenC
Sat Mar 30, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 15487

Re: How often do you check your net worth?

Every day. That may be because I'm getting pretty close to hitting FI; when I'm (more or less) safely across that line, I suspect I'll shift to twice a month (at the end of the month and when the CPI numbers are released).
by KarenC
Thu Feb 21, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2893

Re: Whats up w/ Vanguards website?

isitdownrightnow.com says it's a systemic issue.
by KarenC
Mon Feb 04, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 517
Views: 36962

Re: Larry Swedroe: 3% is the new 4%

[…] That is why i repeatedly said "if you believe in the 4% rule". The "rule" does not make any exceptions for market tops, and in actuality, it is BASED on market tops, for better starting points, the SWR is quite a bit higher. When one retires, they do not know whether or not we are at a market t...
by KarenC
Fri Feb 01, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10963

Re: How much do you keep in checking?

About $1,000.
by KarenC
Thu Jan 10, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 391
Views: 58539

Re: Good Modern Science Fiction

ABSOLUTELY second the recommendation for William Gibson's trilogy of Neuromancer, Count Zero, and Mona Lisa Overdrive! They are fantastic. FWIW, the SFWA just named William Gibson their 35th Damon Knight Grand Master : The Science Fiction and Fantasy Writers of America (SFWA, Inc.) is pleased to an...
by KarenC
Mon Dec 31, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: iPad vs iPadPro
Replies: 20
Views: 1885

Re: iPad vs iPadPro

After a few years with iOS phone & tablet I recently moved fully into to the Apple ecosystem. The primary reason was because of the restrictive environment. It certainly isn't perfect and I have a long way to go to convert my brain to the Apple way (coming from Linux has helped a little). That opti...
by KarenC
Fri Dec 14, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11748
Views: 2017643

Re: U.S. stocks in free fall

oldcomputerguy wrote:
Fri Dec 14, 2018 8:37 pm
CULater wrote:
Fri Dec 14, 2018 3:35 pm
She's on the way down now! Has the market bug finally found the windshield?
Thank you for that! It made me and DW laugh out loud.

:D
Sometimes you’re the windshield,
Sometimes you’re the bug.
by KarenC
Wed Dec 12, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 21685

Re: What Happened to you during the Financial crisis of 2007–2008

At that time, I didn’t pay much attention to the markets’ ups and downs. I would receive quarterly paper statements from Fidelity, look briefly at the change in overall value, think “ugh, that doesn’t look good” (my AA was 100% stocks), and file the statements away. My lack of interest remained abou...
by KarenC
Wed Nov 28, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10066

Re: How did YOU choose your career?

Entering high school, I wanted to be an engineer like Scotty from Star Trek. In keeping with this, I took an Intro to Drafting course. Grownup me knows that replicating blueprints is not representative of engineering but I didn’t know better as a 14 year old. I found it so horribly tedious and borin...
by KarenC
Sat Nov 24, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1248

Re: COBRA [signing up for the first time]

My employer tells me they pay around $1,200/month for my health insurance (mid-30s, healthy). While they may be sending the health insurance company that amount of money, if I thought that at the end of the day they were actually losing that much money, I would be a foolish person. COBRA was a joke...
by KarenC
Fri Nov 23, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Time Value of Money vs. Variable Percentage Withdrawal (VPW)
Replies: 145
Views: 12142

Re: Time Value of Money vs. Variable Percentage Withdrawal (VPW)

I did a good scrubbing of the Google sheet that was discussed in this thread, notably adding a README tab with various explanations and instructions, and streamlining a bit the various tabs and calculations. https://docs.google.com/spreadsheets/d/1yxzr_ymoDQQrGPOipoWcHzZt8EPaeDe5vJqBSXcYTRU/edit?us...
by KarenC
Thu Nov 15, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7779

Re: Are you all staying the course?

I am retired, and risk-averse by temperament, and at much less than 100% stocks. I am staying the course. In particular, I am not taking any actions in response to losses in the market value of my bond funds, either. Vanguard calculates my personal rate of return to be 4% for the last three years, ...
by KarenC
Fri Oct 26, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4379

Re: Coffee grinder

by KarenC
Wed Oct 24, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4379

Re: Coffee grinder

Everyday for the past year I have been using the Capresso 560 Infinity conical burr grinder. This was Wirecutter's 'budget' recommendation. So far I am completely satisfied with this grinder. +1 I've been using this grinder for many years. I recommend the heavy duty housing version versus the light...
by KarenC
Tue Oct 02, 2018 3:34 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 17259

Re: iPhone XS Max

#chargegate #sneakybeautygate :D Hope it doesn't affect your new phone. But, Apple won't acknowledge any fault anyway >_>; https://www.youtube.com/watch?v=ndphYju6PVM https://www.youtube.com/watch?v=J_lRJuQtBmc I haven’t heard of #chargegate but there is a nice write up regarding #sneakbeautygate a...
by KarenC
Sun Sep 16, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 66
Views: 8848

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Thanks LadyGeek — it works! For others who may be trying from the Overcast app, you can type https://bogleheads.podbean.com/feed.xml into the “Podcast URL” field which can be found after hitting the add podcast button (which is a + sign on my phone) and then selecting “add url.” Worked like a charm...
by KarenC
Tue Aug 28, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 40
Views: 3472

Re: Streaming TV services

LuigiLikesPizza wrote:
Mon Aug 27, 2018 1:13 pm
I am thinking of internet based TV....I will be a digital nomad, not looking to carry additional devices.

I just found SLING online - looks to have my news channels and standard channels like NBC, etc.

Now if I can find Bloomberg TV I will be all set. lol
Sling carries Bloomberg TV.
by KarenC
Mon Aug 13, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 336
Views: 35905

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hmm. I suspect we're having a miscommunication here. Are you saying the following? 1) You ran the calculator (first button). 2) You tried an alternative-date strategy (entered dates, clicked second button). 3) Then you changed the discount rate and clicked the first button again. 4) The output for ...
by KarenC
Mon Aug 13, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 336
Views: 35905

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hmm. I suspect we're having a miscommunication here. Are you saying the following? 1) You ran the calculator (first button). 2) You tried an alternative-date strategy (entered dates, clicked second button). 3) Then you changed the discount rate and clicked the first button again. 4) The output for ...
by KarenC
Mon Jul 23, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4293

Re: Am I secure using my computer for financial services?

A recent perspective from The Wirecutter: Information security experts told us that the built-in Windows Defender is good-enough antivirus for most Windows PC owners, and that both Mac and Windows users should consider using Malwarebytes Premium, an anti-malware program that augments both operating ...
by KarenC
Mon Jul 02, 2018 9:16 am
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 9217

Re: What % of your equity is int’l?

The same percentage as the Vanguard TR 7/2018 Fund, if there was such a thing.
by KarenC
Mon Jul 02, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Robert Merton on NewRetirement Podcast
Replies: 46
Views: 5498

Re: Robert Merton on NewRetirement Podcast

It's not exactly the same situation, but I am reminded me of an incident in H. G. Wells' semi-autobiographical novel, The History of Mr. Polly . Mr. Polly inherits £350 and starts spending it pretty freely: Figures are the most shocking things in the world. The prettiest little squiggles of black—l...
by KarenC
Mon Jun 04, 2018 9:52 am
Forum: Personal Investments
Topic: For retirement at 55 what is a good multiplier?
Replies: 65
Views: 12869

Re: For retirement at 55 what is a good multiplier?

#Cruncher wrote:
Fri Jul 07, 2017 12:20 pm
I get the same result with the following more complicated approach that uses the Excel RATE and PV functions: […]
Thank you for this! I’ve added this to my basket of different models of retirement readiness.
by KarenC
Mon May 28, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Replies: 50
Views: 8546

Re: Variable Percentage Withdrawal (VPW) for Advanced Users

longinvest wrote:
Sun May 27, 2018 8:51 pm
I have developed a spreadsheet for advanced users of the variable-percentage withdrawal (VPW) method. […]
This is great—thank you!

One question: Would future social security be modeled as a future COLA pension? (Your example data suggest as much, but I just want to be sure.)
by KarenC
Wed May 16, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 7117

Re: Maple syrup

PS I wouldn't swear to it in court but I think that when I was a little kid you could still get Log Cabin (fake) syrup in metal cans that were shaped and painted to look like a little log cabin. That's apropos of nothing and it wasn't as good as maple syrup but it was cute. I think you're right: ht...
by KarenC
Tue May 15, 2018 6:43 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 16620

Re: The front page is ugly

BUT, I guess it all boils down to one's usage. The current entry page my be good for those who intend to read everything new regardless of subject matter. I by no means intend to read everything, but I’m potentially interested in everything. The current entry page makes it easy to scan all the thre...
by KarenC
Tue May 15, 2018 6:32 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 16620

Re: The front page is ugly

Dandelion, circa 1981: http://www.digibarn.com/collections/systems/xerox-8010/xerox-star-8010-large.jpg Thank you for this blast from the past! I used these for one of my classes in school. Aw I recall, my initial reaction was “What is this mouse thing? How do I work this?” That was quickly replace...
by KarenC
Thu May 03, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"
Replies: 13
Views: 2116

Re: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"

Makes a lot of sense for many aspects of the relationship beyond just finances. For example, DW is the primary meal preparer so while there are a handful of dishes I can make she definitely has greater expertise than me as that is her primary responsibility. Meanwhile, DW does not know how to start...
by KarenC
Wed Apr 25, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 5310

Re: Why are rising Bond Yields bad?

I'd like to add a question (I am curious): What is the 'magic' about a 3% yield on the 10-year treasury bond? Why is 3% so important, and not 4%, or 3.25 or 7%? It seems to me, long term, stocks average 7%-8% nominal. With a 3% yield on bonds, I am thinking, "Pffffft. Big deal. Bonds have a long wa...
by KarenC
Tue Apr 24, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 2322

Re: IPhone Faulty Battery Diagnosis

inbox788 wrote:
Mon Apr 23, 2018 7:23 pm
While seemingly mixed, they're reporting different measures. "peak performance" vs. "full capacity" […]
Great explanation!
by KarenC
Fri Apr 13, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: The "mechanics" of retiring
Replies: 20
Views: 4691

Re: The "mechanics" of retiring

Thanks for the suggested readings. I'll take a look at those. It seems to do 72t withdrawals and Roth conversations I will need to split my tIra into two accounts from what I've read and use one for each. I have never seen this suggestion. The IRS considers multiple Traditional IRA accounts as one ...
by KarenC
Mon Apr 09, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6982

Re: Are we in bear territory?

Gold might be trying to tell us all something or maybe its a nothing burger. Time will tell https://pbs.twimg.com/media/DaDPO6cW0AAjXYb.jpg:large Do people seriously actually get actionable information from that chart? Do these people have STEM background? I can see a blue line and a sort of amber ...
by KarenC
Sun Apr 01, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - planning for worst, hoping for better
Replies: 37
Views: 2937

Re: 4% SWR - planning for worst, hoping for better

Have you looked at Vanguard's white papers and blogs on dynamic withdrawal rates? Here's a link to one from Colleen Jaconetti: https://vanguardblog.com/2017/09/07/how-to-put-a-dynamic-retirement-spending-strategy-in-place/ The corresponding white paper: A more dynamic approach to spending for inves...
by KarenC
Mon Mar 26, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 14773

Re: Seasoned bogleheads repressing the thought of lower expected returns

What's hard to figure out? The big run up from 1960-2000 was women, formerly stay-at-home-moms, entering the workforce in large numbers and the rise of the two-income family. The falloff after 2000 is people dropping out of the workforce. Have you done any quantitative analysis of this hypothesis? ...
by KarenC
Tue Mar 20, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6985

Re: Amazon Prime Going Sideways/Weird Shipment Problems

I’ve been an Amazon Prime customer for over two years and, so far, it has been completely reliable.