Search found 998 matches

by pondering
Thu Nov 19, 2015 6:49 am
Forum: Investing - Theory, News & General
Topic: [How much does "Book Value" count in company valuation?]
Replies: 31
Views: 3280

Re: [How much does "Book Value" count in company valuation?]

I'm not sure why you have a particular insight into VW stock that the market over all does not.

Are you making daily horizon guesses (price tomorrow, price in a week, price in a month, price in year) to see how you would do?

What is your expected length of play in the stock?
by pondering
Thu Nov 19, 2015 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quicken 2016 - Is it just me or?
Replies: 11
Views: 2327

Re: Intuit Quicken 2016 - Is it just me or?

This product really needs to be sold to another company.
by pondering
Tue Nov 17, 2015 8:56 pm
Forum: Investing - Theory, News & General
Topic: [How much does "Book Value" count in company valuation?]
Replies: 31
Views: 3280

Re: [How much does "Book Value" count in company valuation?]

The company that carved out the company I work for seems to have settled for the book value of the business.

A couple of years later we are being sold to a competitor for more than 4x book value.
by pondering
Mon Nov 16, 2015 12:33 am
Forum: Forum Issues and Administration
Topic: Did you know? Tips for using bogleheads.org
Replies: 36
Views: 40282

Re: Did you know? Tips for using bogleheads.org

Can the original post still be updated?

The section containing this link https://www.bogleheads.org/index_wide.htm could use an update.
by pondering
Sun Nov 15, 2015 11:48 pm
Forum: Forum Issues and Administration
Topic: [Wiki software updated] - The wiki goes mobile!
Replies: 12
Views: 3092

Re: [Wiki software updated] - The wiki goes mobile!

Thanks.

I'll do a forum post when I have the links created to google docs, and post it in the source threads.

Any interest in expanding the budgeting section?
by pondering
Sun Nov 15, 2015 11:04 pm
Forum: Forum Issues and Administration
Topic: [Wiki software updated] - The wiki goes mobile!
Replies: 12
Views: 3092

Re: [Wiki software updated] - The wiki goes mobile!

Thank you so much! I look forward to trying it.

Is there an interest in having me post Boglehead lists of movies, tv shows, books, apps, etc. on the wiki?
by pondering
Sun Nov 15, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Verizon Wireless
Replies: 10
Views: 1715

Re: Verizon Wireless

I like Verizon, had a good experience with Ting, and ok experience with Sprint.

The cancellation fees do decrease over time.

I wound up with Verizon as a month to month customer after I was able to fix an iPhone 5S under warranty.
by pondering
Fri Nov 13, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 14234

Re: Worst night of my life [personal loan or cash out IRA to pay gambling debt]

Have you disputed any of the charges on your credit cards?

Have you researched other people in similar situation?
by pondering
Fri Nov 13, 2015 6:48 am
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 28
Views: 3033

Re: Replace or repair dishwasher

Would all of these comments apply if the dishwasher came with a house a year ago, and the dishwasher seems ok, but the electronic panel isn't letting us pick a cycle? Subject: RE: Owner Support Date: Fri, 23 Oct 2015 11:56:29 -0400 (EST) From: NAR_Maytag_CustomerExperience@Mayta <NAR_Maytag_Customer...
by pondering
Wed Nov 11, 2015 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: need income
Replies: 20
Views: 3873

Re: need income

I got used to calculating performance by linking returns when I worked for investment managers and consultants.

It would be nice if we could model what needs to be accounted for and see how much we could do in a google sheet.
by pondering
Wed Nov 11, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Paying at Costco with gift cards
Replies: 54
Views: 15354

Re: Paying at Costco with gift cards

We generally shop at Sam's Club, which is about 10 minutes closer to where we live. We were shopping at Costco once a year for their school employee event, and finally decided to join. So far the difference is underwhelming. Looks like we will let our membership go after the year is up. Especially w...
by pondering
Wed Nov 11, 2015 10:50 pm
Forum: Personal Consumer Issues
Topic: Book recommendation; cleaning up clutter!
Replies: 12
Views: 2185

Re: Book recommendation; cleaning up clutter!

There needs to be more family oriented books about this. Both my daughter and I are messy, my wife is not.
by pondering
Tue Nov 10, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: need income
Replies: 20
Views: 3873

Re: need income

edge

I was hoping to see if I could alter the straight cash flow models to show what more typical returns would look like.

Financial models need to help understand the potential stresses of retirement.
by pondering
Tue Nov 10, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: need income
Replies: 20
Views: 3873

Re: need income

Jimb_fromATL

Do you have your models posted anywhere?
by pondering
Tue Nov 10, 2015 2:43 pm
Forum: Personal Consumer Issues
Topic: Paying at Costco with gift cards
Replies: 54
Views: 15354

Re: Paying at Costco with gift cards

The extra 5% should cover any objections to non members using the card, though I never heard of it before.
by pondering
Tue Nov 10, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 8820

Re: When To Justify Expensive Wants?

What kind of lifestyle do you want in retirement?

What will be your sources of income?
by pondering
Mon Nov 09, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 8820

Re: When To Justify Expensive Wants?

50-30-20 is a good starting point:

50% - needs
30% - wants
20% - savings

after taxes

If you want to retire early consider something more like 30-30-40
by pondering
Sun Nov 08, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 7014

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

You are covering your insurable risk. That makes sense.
by pondering
Sat Nov 07, 2015 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Will beneficiary puzzle
Replies: 30
Views: 3379

Re: Will beneficiary puzzle

I'm not sure why an attorney is required for the will scenario presented. A will yes, an attorney, not so clear.
by pondering
Fri Nov 06, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: [Looking for] Cool new apps
Replies: 10
Views: 1773

Re: Cool new apps

I am really impressed with the LibraryThing.com iphone app:

https://itunes.apple.com/us/app/library ... 24489?mt=8
by pondering
Thu Nov 05, 2015 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Will beneficiary puzzle
Replies: 30
Views: 3379

Re: Will beneficiary puzzle

I guess I would model the risk of the transaction failing, something that you are more in a position to do than we are, the risk of the issue being relevant, and the likelihood that the fix actually works. In this case, with a payout of 10,000 to 100,000 dollars, the legal fees are problematic. I li...
by pondering
Thu Nov 05, 2015 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Need help w my dad's accounts :(
Replies: 9
Views: 1307

Re: Need help w my dad's accounts :(

I'm not sure he has to do anything that is ideal at age 87.

Can you explain to him the relative burden to you of managing his finances as is, or if you simplified them?

Can you accept the complexity as you gift to your Dad?
by pondering
Thu Nov 05, 2015 1:16 am
Forum: Investing - Theory, News & General
Topic: Wikinvest-Is it Safe?
Replies: 18
Views: 3666

Re: Wikinvest-Is it Safe?

Has the industry made any progress toward read only accounts in the past 2 years?
by pondering
Wed Nov 04, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Will beneficiary puzzle
Replies: 30
Views: 3379

Re: Will beneficiary puzzle

I think unless we knew the amount at risk it would be hard to give you an answer to your question.
by pondering
Tue Nov 03, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 14 VIDEOS
Replies: 23
Views: 5606

Re: BOGLEHEADS 14 VIDEOS

Has anyone tried to transcribe these?
by pondering
Mon Nov 02, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 6273

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

Their stock price will fall.

I get that.

Privacy isn't free.
by pondering
Mon Nov 02, 2015 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Role for a professional in retirement planning?
Replies: 52
Views: 4855

Re: Role for a professional in retirement planning?

Do you have a measure you use to see how the quality of your life changes over time, to determine how aggressively you want to treat your condition?
by pondering
Mon Nov 02, 2015 1:32 am
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 6273

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

My concern is that it is my data, and I should be able to have it removed from their servers.

If they want to make the data anonymous, there should be third party compliance that it is anonymous.
by pondering
Sun Nov 01, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: DISNEY INFINITY 3.0 for PlayStation®4, PlayStation®3, Wii U™, Xbox One or Xbox 360
Replies: 1
Views: 486

DISNEY INFINITY 3.0 for PlayStation®4, PlayStation®3, Wii U™, Xbox One or Xbox 360

My wife has asked me to shop for the DISNEY INFINITY 3.0 EDITION for Christmas for our 5 year old daughter. It is available on PlayStation®4, PlayStation®3, Wii U™, Xbox One, Xbox 360.

Does anyone have a suggestion on which platform I should buy it for?
by pondering
Sat Oct 31, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 7014

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

seriously, what is the risk of either of you dying?
by pondering
Sat Oct 31, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Toshiba Chromebook 2 (2015) model available
Replies: 28
Views: 4841

Re: Toshiba Chromebook 2 (2015) model available

Where exactly are you supposed to store these local apps and data on a machine that is designed to be a network thin client?
by pondering
Sat Oct 31, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Toshiba Chromebook 2 (2015) model available
Replies: 28
Views: 4841

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: 6273

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: 7014

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: 1484

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: 5079

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: 5174

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: 4831

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: 5174

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: 4297

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: 1484

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: 12247

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: 1723

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: 4297

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: 2828

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: 12247

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: 5511

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: 12247

Re: P2P Lending - Anyone try it?

How is the data about the loans distributed?