Search found 3900 matches

by hsv_climber
Fri Jul 30, 2010 1:49 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

I would be very interested in reading about even one documented case of (1) a personal-use Mac (2) on a home (not business, not public-use) internet connection that (3) was compromised in any way that did not involve "phishing" (that is, the user having to initiate some action). [/quote] http://www...
by hsv_climber
Fri Jul 30, 2010 1:45 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

So what? I don't care what the reason is, I just don't want viruses. Virus writers have been saying for years that they can't be bothered. Not one virus writer in the world has written malicious code for a Mac because they can't be bothered? I'm skeptical. I guess these guys are just crooks.... htt...
by hsv_climber
Fri Jul 30, 2010 1:30 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

It literally never occurred to us that we were taking any risk running on a common system with "mission critical" applications. We took it for granted that an operating system itself was completely protected from the applications that ran on it, and that the applications were protected from each ot...
by hsv_climber
Thu Jul 29, 2010 10:28 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

Build your own and run Linux? It's like playing with Lego's and it's cheaper than anything else! /dodges tomatoes Have you tried to build your own laptop (since this thread is about laptops)? I always build my own PCs, but I've never tried building a laptop. I don't think it is a good idea either, ...
by hsv_climber
Thu Jul 29, 2010 10:16 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

Very nice. I have a Thinkpad X61 and I'm very pleased with it's build quality and durability. Of course I run Ubuntu linux on it, so this windows vs. Mac thing is just a big yawn. ;) After reading this thread you'd realize that everything that is not an Apple brand computer is Windows. So, since yo...
by hsv_climber
Thu Jul 29, 2010 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: roth ira rollover
Replies: 7
Views: 2055

There is no "best time". But if you are afraid of "loosing" money while being out of the market during the move then you can do "in kind" transfer of your assets.
The downside of that is that you will need to pay fees when you'd sell your T Rowe Price funds in your new Roth IRA account at Vanguard.
by hsv_climber
Thu Jul 29, 2010 5:13 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

Also, I'm using the base level Macbook and have to say that the battery life is amazing. On my old IBM laptop , I was always looking for a plug to sit near because the battery would only go a few hours. I once used the Macbook for six hours straight and still had 20-someodd-percent life left in the...
by hsv_climber
Thu Jul 29, 2010 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: When will higher yields be paid in savings?
Replies: 34
Views: 4775

Think of it another way: With inflation under 1% and savings rates about the same, you're doing better than you would making 5% in savings with inflation at 4% and losing a third of that to taxes. Yes, some hypothetical inflation according to CPI is under 1%, but tuition, and healthcare costs are g...
by hsv_climber
Thu Jul 29, 2010 3:47 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

No, it's not. It's well-known that Macs lag Windows in the security arena. Has for years. Macworld did a big story about it recently, in fact. It is, quite simply, far easier to hack a latest-and-greatest Mac than a latest-and-greatest Windows box. Here is the latest report: http://blogs.computerwo...
by hsv_climber
Thu Jul 29, 2010 3:43 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

I've used both Apple and PC machines since 1983 and never noticed a difference one way or the other vis-a-vis my ability to get my work or play done. One area where Apple has clearly outdone Microsoft is in propaganda--very nearly matching the propaganda on the matter of load funds outperforming th...
by hsv_climber
Thu Jul 29, 2010 1:17 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29414

1. Check your state info on the limit on the computer prices: http://www.taxadmin.org/fta/rate/sales_holiday.html Some states limit the price to under certain $. That could exclude Mac laptops. 2. In general, computer selection depends on what you are planning to do with it. If you just want to add ...
by hsv_climber
Wed Jul 28, 2010 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing while down? or wait to break even?
Replies: 64
Views: 5322

Say right now my allocation is 15% bonds, 85% stocks, my target allocation should be 23% bonds and 77% stocks so I should technically sell some of my stock fund shares and buy some bond fund shares to get my bonds up to 23%. However right now my stock funds market value is lower than what they cost...
by hsv_climber
Tue Jul 27, 2010 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: car warranty
Replies: 15
Views: 2112

nhdean wrote:thanks for the article. I have never had a subaru before so any ifo or experience with them would be great, wife wants one.

My Subaru Forrester is almost 10 years old and I would say NO to the extended warranty issue.
But it is your money and your choice.
by hsv_climber
Tue Jul 27, 2010 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12316

Atilla wrote: I just tell them "because I wanted one." My neighbor has a Prius - I don't fit in and I'm fine with it.
Sorry for being rude, but gym membership is cheaper than a Hummer.
by hsv_climber
Tue Jul 27, 2010 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12316

Wagnerjb wrote:
livesoft wrote: more than one trophy wife, and top-notch healthcare? :)
You have more than one trophy wife? Boy, I am jealous now. What's your secret? :-)
He is probably living in Utah...
by hsv_climber
Tue Jul 27, 2010 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12316

From the article: "They buy $24,000 Fords and keep them for ten years." "the Ford economy car gets 26 MPG." Thriftys have serious issues if they pay $24,000 for the economy Ford cars, since only Focus or Fiesta can get 26MPG or better, not counting much more expensive hybrids, which are not in "econ...
by hsv_climber
Wed Jul 21, 2010 11:07 am
Forum: Forum Issues and Administration
Topic: Please get rid of polls
Replies: 28
Views: 4126

Re: Please get rid of polls

SP-diceman wrote: Yes this is somewhat troubling.
Polls should require paper/pencil some type of calculating device
(calculator/laptop) and require at least 30 minutes of your time.
Exactly. And you should also receive some useless "Made in China" prize for completing them.
by hsv_climber
Thu Jul 15, 2010 9:03 am
Forum: Personal Consumer Issues
Topic: new car!
Replies: 10
Views: 2053

My 2001 Subaru Forester, which was bought new, was by far the WORST car I ever owned. Wheel bearing problems, coil pack, head gasket, poor tire wear, sounded like a tractor when cold (boxter engine prone to piston slap). I bought 2001 Forester in 2000 (brand new), love it and still drive it. The on...
by hsv_climber
Thu Jul 08, 2010 12:48 pm
Forum: Investing - Theory, News & General
Topic: Coverdell ESA / Educational IRA
Replies: 2
Views: 827

Good point about Vanguard minimums. It would take 4 years for new accounts to accumulate enough money in money market funds to invest into other VG mutual funds. VG has lowered their limits to $2000 for Coverdell ESAs, but I doubt that they would lower it to $500 in the future. Although, I don't car...
by hsv_climber
Thu Jul 08, 2010 12:23 pm
Forum: Investing - Theory, News & General
Topic: Coverdell ESA / Educational IRA
Replies: 2
Views: 827

Coverdell ESA / Educational IRA

As Bogleheads book recommends, I have Coverdell ESA accounts for both of my kids. But I've just read an article in Kiplinger, which has reminded me that 2011 contribution limit would drop to $500 as well as some other perks like private schools tuition, etc. would disappear. Though I am not using th...
by hsv_climber
Thu Jul 01, 2010 10:09 am
Forum: Investing - Help with Personal Investments
Topic: When will the Dow permanently leave 10,000 behind?
Replies: 66
Views: 12136

And if the market will get down to 8501 and then rebounds to 12,000 over the next few years then he will remember that bad choice for the rest of his life...
by hsv_climber
Tue Jun 29, 2010 4:26 pm
Forum: Personal Consumer Issues
Topic: Preventive maintenance question [car]
Replies: 24
Views: 2618

What would be the better investment? 1) Spend only $400 now and have a car that will last for a few more years. 2) Spend thousands of dollars now or hundreds of dollars a month (car loan) and buy a new car. I would choose #1. I would do #3 - put $400 into Vanguard Short Term Bond Fund and do nothin...
by hsv_climber
Tue Jun 29, 2010 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investments in the US for non-resident aliens 65y old
Replies: 1
Views: 512

The only reason for opening a retirement account (IRA, Roth IRA, etc.) is to avoid or postpone paying income taxes. But since your relatives don't live in US, then they should not be subject to US taxation. So, there is no reason for them to open a retirement account. So, any taxable account would w...
by hsv_climber
Tue Jun 29, 2010 3:59 pm
Forum: Personal Consumer Issues
Topic: Preventive maintenance question [car]
Replies: 24
Views: 2618

What I mean by investment is that you don't buy a car because it's an appreciating asset. A car is not a stock or a bond. I doubt that the OP is worried about how much money he's going to be able to get for his 1991 Honda. You're mentioning how much the car is currently worth. Obviously, that's mea...
by hsv_climber
Tue Jun 29, 2010 3:38 pm
Forum: Personal Consumer Issues
Topic: Preventive maintenance question [car]
Replies: 24
Views: 2618

A car is not an investment. If that $400 allows the car to run for another couple of years, it's definitely worth it. If the car's transmission breaks 1 month after putting $400 into it, then it obviously wasn't worth it, but nobody can predict the future. I say go for it. Unless car is used only f...
by hsv_climber
Tue Jun 29, 2010 12:53 pm
Forum: Personal Consumer Issues
Topic: Preventive maintenance question [car]
Replies: 24
Views: 2618

Does it makes sense to invest $400 into something that might be currently worth $400-$500?
by hsv_climber
Mon Jun 28, 2010 7:24 am
Forum: Investing - Help with Personal Investments
Topic: emergency fund
Replies: 97
Views: 13797

Let's say I determine my EF is $50,000, representing 12 months of spending. In my taxable accounts, I have $50,000 of VTI (low-cost, tax-efficient). In my 403b I use a stable value fund and place $50,000 there. Won't I have to pull $25k from my retirement account, thus incurring penalties and taxes...
by hsv_climber
Sun Jun 27, 2010 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: emergency fund
Replies: 97
Views: 13797

And I assume you believe that Social Security will survive (the biggest Ponzi skim in history of USA)? :wink: What is your point? Short term treasuries are connected to $$ as both are the instruments and have the backing of US government. If one (i.e. short term treasuries) would fail then the othe...
by hsv_climber
Sun Jun 27, 2010 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: emergency fund
Replies: 97
Views: 13797

Precisely, stocks may recover 50% drop, but Bond Funds may not if they will return to historical normalcy(3-5% annually) after such correction. 8) If Short-term Bond fund (especially Short Term treasuries) would drop by 50% that would mean that US government is not fulfilling its obligations, and y...
by hsv_climber
Fri Jun 25, 2010 10:30 am
Forum: Investing - Help with Personal Investments
Topic: emergency fund
Replies: 97
Views: 13797

livesoft wrote:Of course. And put it in your Roth as well.
Why Roth over 401K / Trad. IRA as wiki recommends?
by hsv_climber
Mon Jun 21, 2010 9:47 am
Forum: Personal Consumer Issues
Topic: toy story 3: i'm turning into a softee - & pixar!
Replies: 12
Views: 2081

FWIW, but I did not like Up either, while I really like all other Pixar animated movies.
by hsv_climber
Thu Jun 10, 2010 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Custodian Account
Replies: 39
Views: 6472

Re: Custodian Account

airahcaz wrote:
Is a 529 the only other alternative?
If the goal is to save for college then Educational IRA (limit $2000 / year) @ Vanguard can be a much better alternative.
by hsv_climber
Fri Jun 04, 2010 9:51 am
Forum: Investing - Theory, News & General
Topic: Poll: Do you own bond ETFs?
Replies: 30
Views: 4714

I don't have enough money to qualify for Admiral shares, so I use several Vanguard bond ETFs ( Interm. Treasury, Short-Term & Short-term investment grade), as well as TIP.
by hsv_climber
Fri May 14, 2010 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What Expensive Things Do/Did You Own?
Replies: 111
Views: 15075

Emergdoc: In 80mph winds, I looked from my constantly collapsing 3 season tent across the saddle at two other tents. The occupants of a Trango2 and a Trango3 were sleeping well. Just because those Trangos were standing, does not mean that they were not damaged by the wind. I was sleeping once in a ...
by hsv_climber
Thu May 06, 2010 2:57 pm
Forum: Investing - Theory, News & General
Topic: WOW - The Dow is Crashing - down 900 points so far today!
Replies: 222
Views: 29671

OkieIndexer wrote:CNBC TV is saying the source of the plunge was a human error - a trader at a major firm entered "b" in the computer for BILLION instead of "m" for MILLION.
former trader?
by hsv_climber
Thu May 06, 2010 2:30 pm
Forum: Investing - Theory, News & General
Topic: WOW - The Dow is Crashing - down 900 points so far today!
Replies: 222
Views: 29671

I don't know why you were keeping your Roth contribution out of the market for 5 months (just now got all your money together at 3pm?), but if you really bought at 49, you made out pretty well. You're up like 18% already. I wonder what that is annualized? Scottrade has a nice feature - instant mone...
by hsv_climber
Thu May 06, 2010 2:10 pm
Forum: Investing - Theory, News & General
Topic: WOW - The Dow is Crashing - down 900 points so far today!
Replies: 222
Views: 29671

My order for VTI @ 49 went through at Scottrade and is shown "Completed".
When I was submitting it, Bid was @ 47 and Sell for 54 or so.
by hsv_climber
Thu May 06, 2010 2:04 pm
Forum: Investing - Theory, News & General
Topic: WOW - The Dow is Crashing - down 900 points so far today!
Replies: 222
Views: 29671

All the losers are playing the loser's game, AKA market timing. Allocate, buy, hold, keep costs low, rebalance and stay the course. This, too, shall pass. Not sure whom you are calling a loser, but I just made my Roth IRA contribution of ~5000 for VTI @ 49. Last time it had this price last July. Bu...
by hsv_climber
Sat May 01, 2010 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: The gender distribution of bogleheads
Replies: 51
Views: 6107

GG wrote:
LonePrairie wrote:Ahaha! Petrocelli speaks the truth. Yes, in my 20 years of participating in online communities, I've observed that men are far more likely to post than women.
Woah - 20 yrs? I thought Al Gore only invented the internet about 15 yrs ago.
Indices wrote:Women, for whatever reason, tend to be math averse.
by hsv_climber
Sat May 01, 2010 1:55 pm
Forum: Investing - Theory, News & General
Topic: Passive works because active doesn’t
Replies: 150
Views: 19676

Re: Passive works because active doesn’t

1. About one in three active funds beat comparable index funds over five years. In the book, before making such claim, please define what you would call an "active fund". For example, Vanguard on its Portfolio Analysis tool for my portfolio, shows that VEA (Vanguard Europe Pacific ETF) is an active...
by hsv_climber
Tue Apr 06, 2010 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Financially, when is the best time to have children?
Replies: 79
Views: 9285

About one year after your siblings and friends have kids. That way, you get all the stuff their kids no longer use (clothes, toys, books, furniture, etc) for free. These are the true words of financial wisdom!!! I would also like to add that it is very cheap to have a second child of the same gende...
by hsv_climber
Fri Apr 02, 2010 7:26 am
Forum: Personal Consumer Issues
Topic: [offered a job in] Alabama - what's it like?
Replies: 45
Views: 10935

Re: Alabama - what's it like?

Low state taxes. No school buses, people have to drive their kids to school . http://www.hsv.k12.al.us/announce/consolidation_FAQ.php Will transportation be provided for students? Bus transportation currently includes services for elementary and middle school students who live two (2) or more miles...
by hsv_climber
Tue Mar 30, 2010 4:16 pm
Forum: Investing - Theory, News & General
Topic: Wine as an Alternative Investment
Replies: 35
Views: 4680

And here is the Black Swan: http://www.huffingtonpost.com/2010/02/17/fake-pinot-noir-convictio_n_466587.html "Fake Pinot Noir Scandal Ends In Convictions In French Court" "Twelve French wine industry figures were convicted Wednesday of selling 18 million bottles (13.5 million liters) of falsely labe...
by hsv_climber
Tue Mar 30, 2010 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Vanguard ETF vs Mutual Fund Investor shares.
Replies: 35
Views: 6828

If one looks at the 5-day chart for BND today, the high is about 79.45 on 3/24 and the low is about 78.84 on 3/25 a day later -- a 0.8% difference. But is 0.8% on dividend reinvestment really makes a difference? Average dividend on BND was ~$0.25 per share per month over the last 5 months, which wo...
by hsv_climber
Wed Dec 16, 2009 11:25 am
Forum: Investing - Help with Personal Investments
Topic: 529 College Plan
Replies: 3
Views: 1031

$200/year is a sizable deduction. So, it depends on how much you plan to contribute to this plan over the years, e.g. if you'd have $20,000 in your plan then the difference in funds E/R should be more than 1% to justify using Vanguard / Fidelity over your state plan. Another thing to check / conside...
by hsv_climber
Wed Oct 21, 2009 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Calculating the annual cost of having a child
Replies: 28
Views: 4427

For Wipes, "equate" (WalMart brand) is identical in quality to Huggies and much much cheaper for the big box.
by hsv_climber
Wed Oct 21, 2009 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Calculating the annual cost of having a child
Replies: 28
Views: 4427

Greatest expense is time, since kids will request plenty of that. :D Other expense, which ddb has not mentioned, is diapers. We buy Parent's Choice from WalMart and they are much cheaper than Huggies / Pampers. But if you want Huggies / Pampers then you should expect to pay $40-$80 / month. Also, ki...
by hsv_climber
Sat Oct 03, 2009 5:09 pm
Forum: Investing - Theory, News & General
Topic: Recommendations of high stock allocations
Replies: 25
Views: 3322

Is she 100% in stocks? Didn't 2008 bother her at all ? From May, 2008: Financial advisor, writer, and TV personality Suze Orman has $25 million in liquid net worth, according to a recent New York Times report. Of this, she related that $1 million is invested in the stock market. The rest is apparen...