Search found 965 matches

by pondering
Sat Oct 31, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Toshiba Chromebook 2 (2015) model available
Replies: 28
Views: 4784

Re: Toshiba Chromebook 2 (2015) model available

they need to promise 4 years of support from the last distribution. The machines are basically useless without google's support, much like a windows operating system is only for hobbyists once it is unsupported.
by pondering
Fri Oct 30, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 6126

Re: insidious facebook, mapping my monitor or NIC/IMEI?

Most of these rights are not derived from technology but from politics. The businesses involved are running the legislatures. I wish there was someone else in there who was effective, but there isn't.
by pondering
Fri Oct 30, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6983

Re: Age 29 & married, how much life insurance?

Insurance is also a fairly sticky purchase, and while quotes are bandied about readily, actual investable involve quite a bit of friction.
by pondering
Fri Oct 30, 2015 10:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Great List Topics
Replies: 3
Views: 1450

Re: Great List Topics

Thanks Mike.

This is another one of my fairly simple AI tests, along with dating photographs and tagging them.
by pondering
Thu Oct 29, 2015 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 5011

Re: Potential Flaw in Index funds??

Can they provide actual account performance examples with daily performance measurement?

I would like to know what their benchmarks are for the sub categories and their logic for changing them.
by pondering
Wed Oct 28, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Which Roku?
Replies: 38
Views: 5111

Re: Which Roku?

And naturally I got an advertisement for the Roku 4 yesterday: https://app.svwps.com/roku/roku/videotest/roku4.html Amazing content, endless choice Every Roku player provides access to 2,500+ channels on demand offering 300,000+ movies and TV episodes, and the ability to search across more than 20 t...
by pondering
Sun Oct 25, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 50
Views: 4760

Re: headphones for running

Has anyone tried a bone conduction headphone?

http://www.amazon.com/s/?ie=UTF8&keywor ... ceu73w7w_b
by pondering
Sun Oct 25, 2015 12:06 am
Forum: Personal Consumer Issues
Topic: Which Roku?
Replies: 38
Views: 5111

Re: Which Roku?

the stick has done its job for me. If I had an unlimited amount of money I'd get a fancier product
by pondering
Sat Oct 24, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: How much would you be willing to pay someone to track your finances?
Replies: 41
Views: 4240

Re: How much would you be willing to pay someone to track your finances?

I guess I was also looking for people to put a value on the time they spent on tracking finances.

i.e. $10 x 4 hours a month
by pondering
Sat Oct 24, 2015 11:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Great List Topics
Replies: 3
Views: 1450

Great List Topics

I'm still working on compiling the TV series list onto a Google Sheet and I wondered what other topics have great lists that would be nice to compile: Here are a few: Books ===== Any books really change your outlook on life? https://www.bogleheads.org/forum/viewtopic.php?f=11&t=65332 Any books for h...
by pondering
Fri Oct 23, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 93
Views: 11704

Re: P2P Lending - Anyone try it?

Can I use my IRA to do this?
by pondering
Fri Oct 23, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Over tipping, large tips
Replies: 10
Views: 1713

Re: Over tipping, large tips

I made origami irises for all the baristas at the starbucks I went to 5-7 times a week. Other than that I generally don't tip at Starbucks.

In bars and restaurants I try to leave a folded dollar bill to round up the tip amount.
by pondering
Fri Oct 23, 2015 6:38 am
Forum: Personal Consumer Issues
Topic: How much would you be willing to pay someone to track your finances?
Replies: 41
Views: 4240

Re: How much would you be willing to pay someone to track your finances?

I'm working on adopting a 50-30-20 after tax budget for my family. The part of the finances I'm most struggling to track are the wants. I created a google spreadsheet to review each weeks spending. Here is what I'm tracking: column -|- value -|- Formulas -|- format Column A -|- date -|- Thursday, Oc...
by pondering
Thu Oct 22, 2015 9:36 pm
Forum: Investing - Theory, News & General
Topic: NPR interviews Jack Bogle
Replies: 19
Views: 2764

Re: NPR interviews Jack Bogle

The transcript and the audio should now be at the link: http://www.npr.org/2015/10/21/443192311/the-george-washington-of-investing-wants-you-for-the-revolution I think they should have the ability to produce an exhibit that shows returns at different interest rates, and at a blend of interest rates....
by pondering
Thu Oct 22, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 93
Views: 11704

Re: P2P Lending - Anyone try it?

I'm trying to find out if all the people looking at the loans have the same access to the information, or is some data distributed only to certain privileged parties.

I'd also like to figure out why one investor or another has a time advantage.

How is fraud handled?
by pondering
Thu Oct 22, 2015 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 48
Views: 5489

Re: Life Insurance

I spent a few minutes with an agent trying to price a policy for my wife yesterday. By height and weight she doesn't qualify for the preferred rates. So I have the insurance she signed up for a work, the agent's quote and a website to look at from Erie. What other than the premiums do I need to post...
by pondering
Thu Oct 22, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 93
Views: 11704

Re: P2P Lending - Anyone try it?

How is the data about the loans distributed?
by pondering
Thu Oct 22, 2015 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 48
Views: 5489

Re: Life Insurance

by pondering
Wed Oct 21, 2015 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 48
Views: 5489

Re: Life Insurance

The fact that there are exclusions to life insurance?

Each policy is different, but I'm not sure how it is generally untrue.

http://www.bankrate.com/finance/insuran ... pay-1.aspx
by pondering
Mon Oct 19, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 48
Views: 5489

Re: Life Insurance

This is a nice thread, thanks for posting and nurturing it.

The reason insurance goes up dramatically as you get older is that the risk of dying goes up dramatically as well. Some of the things that kill young people, for instance, serving during a war, are excluded from payouts.
by pondering
Mon Oct 19, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Is Wall Street Eating Your 401k Nest Egg?
Replies: 36
Views: 3623

Re: NPR Story: Is Wall Street Eating Your 401(k) Nest Egg?

What high fees often mean are an implied promise of great returns.

What would you recommend for a company with between 100 and 1000 people?

Why are the high fee people winning?
by pondering
Mon Oct 19, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Doctors without borders ..........
Replies: 43
Views: 5286

Re: Doctors without borders ..........

They have published their 2014 form 990 quite visibly on their website: https://www.doctorswithoutborders.org/sites/usa/files/2014_form_990-return_of_organization_exempt_from_income_tax.pdf I have little patience with non-profits who lag behind the deadlines or send me to guidestar to get a copy of ...
by pondering
Mon Oct 19, 2015 9:19 am
Forum: Investing - Theory, News & General
Topic: View only access to financial information
Replies: 5
Views: 664

Re: View only access to financial information

Actually all websites that require logging in should do this. And provide a log of access attempts for the last 60 to 730 days.
by pondering
Fri Oct 16, 2015 10:45 pm
Forum: Personal Consumer Issues
Topic: How much would you be willing to pay someone to track your finances?
Replies: 41
Views: 4240

Re: How much would you be willing to pay someone to track your finances?

I wasn't sure how people would respond. I'm trying to gauge how much effort people are putting into their financial bookkeeping and accounting. I want to figure out if I'm doing something inefficiently compared to others. I'd like a read only login to my credit card accounts, so someone could create...
by pondering
Fri Oct 16, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: How much would you be willing to pay someone to track your finances?
Replies: 41
Views: 4240

How much would you be willing to pay someone to track your finances?

How much would you be willing to pay someone to track your finances?

What do you spend on it now in terms of time and money?
by pondering
Mon Oct 12, 2015 12:55 am
Forum: Personal Consumer Issues
Topic: Toshiba Chromebook 2 (2015) model available
Replies: 28
Views: 4784

Re: Toshiba Chromebook 2 (2015) model available

My guess is that google is eating its own dog food marketing Chromebooks.

Wait, maybe they should go with what works :)
by pondering
Sun Oct 11, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: No raises and 10% pay cut at Megacorp
Replies: 36
Views: 6092

Re: No raises and 10% pay cut at Megacorp

Philosophically the customers of the organization are the ones paying the salary. Have the organization's customers found a competing source of product? Look for organizations that are making happy customers who need your skill set. Find the open positions by networking. Is this a short term or long...
by pondering
Sun Oct 11, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: No raises and 10% pay cut at Megacorp
Replies: 36
Views: 6092

Re: No raises and 10% pay cut at Megacorp

Is half of your after tax spending on needs?

Are you saving 20% of your after tax income?
by pondering
Tue Oct 06, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 17034

Re: Consumer items that are worth the initial investment?

"Recent purchase: Basic bluetooth earbuds. $35. I totally underestimated the value of not having wires to tuck in when running, doing chores, gardening, etc."

Has anyone found a solution for people who don't like sticking things in their ears? It is leaf raking season.
by pondering
Tue Oct 06, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 63
Views: 9615

Re: Intuit to Sell off Quicken

Any idea of Office 365 will raise prices over time?
by pondering
Tue Oct 06, 2015 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6983

Re: Age 29 & married, how much life insurance?

What is the risk of either of you dying? Let take the 20 year terms: $315 for a $700 K policy for me. $350 for a $1 mil policy for my wife. $6,300 for 700,000 1 dollar gets you 111.11 dollars of coverage $7,000 for 1,000,000 1 dollar get her 142.85 dollars worth of coverage You might want to model t...
by pondering
Tue Oct 06, 2015 11:37 pm
Forum: Investing - Theory, News & General
Topic: Cybercrime/outages a real theat to our Vanguard accounts in 2015?
Replies: 19
Views: 2842

Re: Cybercrime/outages a real theat to our Vanguard accounts in 2015?

You can follow the twitter account of the person who reported the issue here:

https://twitter.com/akarenbrock
by pondering
Tue Oct 06, 2015 11:33 pm
Forum: Investing - Theory, News & General
Topic: Cybercrime/outages a real theat to our Vanguard accounts in 2015?
Replies: 19
Views: 2842

Re: Cybercrime/outages a real theat to our Vanguard accounts in 2015?

You should act as prudently as the majority of the other users.

I'd document what you did to protect your account, and make sure you are following the instructions of the other party.

The most likely person to steal from you is someone you already know.
by pondering
Tue Oct 06, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Baby sized windfall
Replies: 16
Views: 3167

Re: Baby sized windfall

I'd agree about the challenge of high priced travel to go to a funeral.

You have a good writting voice and are dealing with muchmore common problems then usually come up on this board. I hope you keep asking questions here.
by pondering
Mon Oct 05, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6983

Re: Age 29 & married, how much life insurance?

I would be very surprised if someone with those financials had that much insurance.

What rates have you been quoted?
by pondering
Mon Oct 05, 2015 6:06 am
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 30705

Re: Name your top favorite tv shows

If I created a list of favorite TV shows from this thread, would it be helpful to give a count of the number of times a show is mentioned? (Would the list be helpful for the other topics like this, i.e. favorite books and movies? Would you use separate tabs or completely separate sheets for each lis...
by pondering
Mon Oct 05, 2015 5:59 am
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 11
Views: 2970

Re: Mobile version

Is there a list of plans somewhere? On mobile, I visit the home page an inordinate amount of the time, since actually replying to anything on my phone is very challenging.

Does anyone used any kind of macro or other tool with mobile Safari to address the situation?
by pondering
Mon Oct 05, 2015 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 63
Views: 9615

Re: Intuit to Sell off Quicken

has anything changed since version 1.8?

GnuCash 2.6 release tour
http://www.gnucash.org/2.6-release-tour.phtml
by pondering
Sun Oct 04, 2015 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Mint or other software
Replies: 26
Views: 3352

Re: Mint or other software

I'm trying to follow the 50/30/20 budget plan I'm tracking the spending on wants (and some needs) on a google spreadsheet I try to track: Date amount weekly add - the first transaction of the week gets the weekly budget amount for wants added remaining need/want (was this a need or a want) vendor Wh...
by pondering
Sat Oct 03, 2015 7:06 am
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 11
Views: 2970

Re: Mobile version

I couldn't find any information specific about the home page ( https://www.bogleheads.org/ ) and if there are any options for it.

Does anyone have any tips for navigation in mobile that I might be missing? Would posting a video help?
by pondering
Thu Oct 01, 2015 9:59 pm
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 11
Views: 2970

Re: Mobile version

How far away are we from seeing this happen?

By the way, Safari does well with each topic, just the main list of topics needs adjustment.
by pondering
Thu Oct 01, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Document retention: what are bare minimums?
Replies: 9
Views: 1551

Re: Document retention: what are bare minimums?

Have you gotten advice from a CPA in the state you live?

Maybe try a three box sort
Keep
Scan later
Toss
?
by pondering
Thu Oct 01, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can employer raise health insurance payroll deduction midyear?
Replies: 20
Views: 4194

Re: Can employer raise health insurance payroll deduction midyear?

Cobra reflects the actual cost of the insurance and will let the school know costs have increased.

This is a communication problem not a legal one.
by pondering
Tue Sep 29, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 30705

Re: Name your top favorite tv shows

Shows still running:
Modern Family
CBS Sunday Morning
60 Minutes
by pondering
Tue Sep 29, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 108
Views: 10264

Re: Bogleheads T-Shirt Possible Design(s)

Just to save a click or two the store is located at:

http://www.vanguardgear.com/shop/all-items.html
by pondering
Mon Sep 28, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 108
Views: 10264

Re: Bogleheads T-Shirt Possible Design(s)

I started thinking of Yogi Berra reading through this... If there is a fork in the road, take it. stay the course t shirt bogle stay the course t shirt bogle https://www.google.com/search?q=stay+the+course&source=lnms&tbm=isch&sa=X&ved=0CAcQ_AUoAWoVChMI6933sa6byAIVx9IeCh1iZgRN&biw=1312&bih=847#tbm=i...
by pondering
Mon Sep 28, 2015 9:51 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 6126

Re: insidious facebook, mapping my monitor or NIC/IMEI?

I get different results when I browse from an incognito view: FIREFOX ======= You're browsing privately Firefox won't remember any history for this window. That includes browsing history, search history, download history, web form history, cookies, and temporary internet files. However, files you do...
by pondering
Mon Sep 28, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Payment Tracker (Google Sheet - Email Reminders)
Replies: 22
Views: 2901

Re: Credit Card Payment Tracker (Google Sheet - Email Reminders)

I transpose a blotter of bills to pay with a sheet of spreadsheet functions This is what I track per row: Vendor Capital One Credit Card - <login> <password> Amount Due 3,412.42 Amount Paid Last Paid / checked 9/7 Days Ago 21 Paid from First Niagara Date Cleared by Vendor Due Date 10/11/2015 Due in ...
by pondering
Mon Sep 28, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: What's With Open Office?
Replies: 29
Views: 3360

Re: What's With Open Office?

Both free alternatives to Excel have limitations and strengths. In 20+ years of using spreadsheets I prefer Excel, but LibreOffice and Google spreadsheet have their places.

If you need some help, feel free to ping me.