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Chaconne

otinkyad wrote: ↑Fri Apr 16, 2021 12:53 pm “College Behind Bars” on Netflix

A strong second for this. Simply remarkable. It will move you. It will inspire you.

Chaconne

I just went from Yosemite (I think; late 2015 Mac) to Big Sur and I wish I could have done a less drastic upgrade but that's all there is. I even toyed with buying a third-party-sold version of Catalina but even that was unavailable. I'm sorry you didn't know that older versions of OS (Catalina, Mo...

Chaconne

The OP doesn't say what macOS he/she is currently using. I believe Big Sur, Catalina and Mojave are the only ones still supported by Apple with security updates. If so, that means High Sierra and previous versions are no longer supported. If the OP is using one of those, it would probably be best to...

Chaconne

I'd guess it simply means that both machines should be updated to their latest version (and not necessarily Big Sur). Otherwise, anyone with an older mac that doesn't support Big Sur would have their data stranded. I can't believe they'd do that. Anyway, I used the Migration Assistant to move data ...

Chaconne

Has anyone migrated their data to an M1 from a Mac that's running an older version of MacOS than Big Sur? If I buy one of the M1 models, I'd like to migrate from my current MacBook Air running High Sierra. But I saw this Apple Support page on migrating data: https://support.apple.com/guide/mac-help/...

Chaconne

Thanks for the additional replies, everyone. I appreciate it.

Chaconne

Thanks to everyone for your thoughtful replies. ikowik: I have a MacBook Air that is listed among supported devices for Big Sur. finite_difference: Regarding upgrading my internet speed, I checked with my ISP a couple of weeks ago, and nothing was available. I just re-checked, and it looks like an u...

Chaconne

The latest MacOS (Big Sur) is about 32GB to download. My DSL service is a "blazing" 5 Mbp/s. Online calculators show that the download would take more than 15 hours! But I know I have to keep my OS up to date. I also know I'm a dinosaur with my DSL internet service, but it has to do for no...

Chaconne

For retirement articles, I've noticed that Marketwatch often runs articles taken (with permission) from https://www.nextavenue.org/, which is a site I find to be valuable. I've never been a fan of Marketwatch's practice of running doomsday stories one day and sunshine stories the next!

Chaconne

Have you seen this Boglehead Wiki article? I find it quite enlightening.

https://www.bogleheads.org/wiki/Withdrawal_methods

Chaconne

GaryA505: This is similar to what we did. Around the age of 80 my wife and I purchased two Single Premium Immediate Annuities (SPIAs), which when added to our Social Security and my U.S. Government Pension income, assured us a comfortable income as long as we live. At my age 96, it is probably the ...

Chaconne

I honestly don't understand enough about SPIAs or the companies that issue them to know if this is a potential problem, but should we be worried about the long-term solvency of those companies in a post-COVID world? THANKS.

Chaconne

Sorry to hear of your issue. If you, your brother or your mother have created a Medicare online account for your mom, the Medicare website has a very effective plan-finder. You would enter the drug(s) in question, and the website would tell you which plans cover the drug(s), if any. See this: https:...

Chaconne

vitaflo wrote: ↑Tue May 19, 2020 11:00 amThat said, the likelihood that you'll be able to tell the difference in quality is minimal at best.

That statement would start an all-out brawl on some forums I frequent!

Chaconne

I guess this is the first coronavirus-era post on this thread. The link below leads to an article that suggests that, due to the economic effects of the coronavirus, the Social Security trust fund may be depleted as much as two years sooner than previously expected, from 2035 to 2033. I guess we sho...

Chaconne

One thing I don't understand about password managers is, how do they (or you) change the old passwords you've been using all along? Do you have to visit every website you frequent, log in, hit "change password" and then what? That's really the only hangup I have about starting to use a pas...

Chaconne

This is my first time using this website so I apologize if I am posting this in the wrong place. My husband and I are both 63 and he is planning on retiring in a few years - possibly 3 years (I don't work). I have the majority of our money in Vanguard target retirement fund VTTVX 2025 (also some is...

Chaconne

Getting ready to setup mum with Medicare, and the whole deal is a complex, and expensive sham. Its amazing govt can't get their act together to at least simplify the current benefits. (Not necessarily increase or improve them...) Just make the whole process easier & simpler for folks who are cl...

Chaconne

Speaking of online security and just in case the worst happens, it's good to keep in mind Vanguard's reimbursement policy: "We'll reimburse you the amount taken from your Vanguard account in an unauthorized online transaction on vanguard.com if you've followed the steps described in the Your re...

Chaconne

"The Plot against America" It's a six-part HBO series now also available on Amazon Prime. Based on the 2004 Philip Roth novel of the same title, it imagines that American hero and purported anti-Semite Charles Lindbergh defeated FDR in the 1940 presidential election. The parallels to today...

Chaconne

(I've not read every post here, so forgive me if this has already been mentioned.)

Be sure you're not overlooking the obvious: When one of the relatives dies, his or her Social Security will come to an end, possibly meaning that the pension + SS will no longer meet their expenses.

Chaconne

Moby-Dick (yet again!) Because it is the greatest one. Reading this now, because the local library started an online book club and thinks we have some time on our hands. I tried to read it about a decade ago and gave up after about 200 pages. Liking it much better this time around. Strangely, other...

Chaconne

Moby-Dick (yet again!) Because it is the greatest one. Portnoy's Complaint because of Roth's brilliance. Two I would suggest for our troubled times: The Skin of Our Teeth , a wildly theatrical play by Thornton Wilder about George Antrobus, a man who invented the wheel and fire and who shepherded hi...

Chaconne

According to the Clorox site, you also have to know which kind of Clorox you have in order to prepare the proper solution. They are identified by UPC number on the page that others have linked to. I highly recommend reading the page. Here again is the link: https://www.clorox.com/how-to/disinfecting...

Chaconne

Thanks to everyone for more info than I could have hoped for!

Chaconne

Thanks, everyone. I think I'll give it a try!

Chaconne

I have never used Instacart, but do I understand this correctly? Shopping online with Instacart, you don't find out what delivery slots are available until AFTER you've taken the time and trouble to select your grocery items? That's the way it looks from the tutorials I've seen. It would seem to me ...

Chaconne

If I'd had a mil when I was 37, I would have considered myself the biggest winner on the planet! You can learn from this, and one of the things you may learn is what your true risk tolerance is. I learned this at the age of 69. I made a move, too, (much less drastic than yours) but I think I'll be f...

Chaconne

"Everybody has a plan until they get punched in the mouth." --Mike Tyson Before you retire, you can evaluate your risk tolerance all you want. Work the calculations. Pore over the charts. Do it all. But suddenly things seem quite different when there seems to be no end to a market dive and...

Chaconne

LFKB wrote: ↑Mon Mar 23, 2020 1:10 am Brief Summary
In a “V”-shaped recovery scenario, S&P 500 EPS will grow by 55% to $170 in 2021, and the index will end 2020 at 3000 (30% above the current level).

Whew! Thanks for posting this. During the last month, I was starting to get a little worried!

Chaconne

I don't know how much money you're talking about, but if it's a lot, you may be limited by Vanguard's large transaction policy:

https://advisors.vanguard.com/VGApp/iip ... ments/ltqt

Or you may not be. I really don't know much about this.

Chaconne

Well, with a bit of digging, I believe I've answered my own question. (But I always count on you folks before myself!)

https://advisors.vanguard.com/VGApp/iip ... ments/ltqt

Looks like it varies by fund, from $500,000 to $10,000,000! Apparently I"m good to go!

Chaconne

I frequently see this in fund prospectuses (prospecti?): "Call Vanguard before attempting to exchange a large dollar amount . By calling us before you attempt to exchange a large dollar amount, you may avoid delayed or rejected transactions." How do they define "large dollar amount&qu...

Chaconne

I've noticed that Vanguard's Prime MMF now lists "Yankee/Foreign" at 61% of its holdings. Is this a concern in today's world? I'm not raising a red flag but am seeking understanding. I've seen this topic addressed previously here, with opinions on various sides. Presumably, Vanguard's tout...

Chaconne

I think this is another form of market timing. Treasuries and money markets look good now, but how about in 3 months? I know VBTLX is down since the start of the crisis, but up 1.38% today.... Yes, Chuck. VBTLX is the reason I gained .15% on a day the Dow lost 900+ points. That's what it's for. It ...

Chaconne

I understand your point in posting this, Elysium. In fact you made me check my own performance, and coincidentally, I too am up 7% over the same period (7.2% to be exact). You helped me appreciate the success I've had, despite the current upheavals and gloominess.

Chaconne

I wouldn't use this to support one argument over another, but I was pleasantly surprised today (3/20) to find that my Total Bond Fund did pretty much what it's supposed to do. My balanced fund was -1.10% today and Total Bond was +1.38. I am 0.15% richer today than I was yesterday. Woohoo! On a day t...

Chaconne

Does anyone know if there's a way to follow Bloomberg Barclays U.S. Aggregate Float Adjusted Index (which Vanguard's Total Bond Market tracks) as it moves throughout the day? I can't find anything on it. THANKS.

Chaconne

Apologies for my ignorance, but when folks here refer to "BND," are they referring to the Vanguard Total Bond ETF or to bonds in general? Thanks.

Chaconne

Is Ibuprofen anything more than a painkiller? (I can't find a clear answer on the internet.) A nurse practitioner told me today that it would not just relieve the pain of my hurt knee but would also promote healing. Is that right? FYI, I didn't get a clear diagnosis but she did say that it was unlik...

Chaconne

Nate79 wrote: ↑Mon Mar 16, 2020 2:55 pmInsane that people think that MMF, CD's, savings accounts, and human society are getting ready to break down. You would think that we are in a zombie apocalypse.

+1. This is clearly just a regular apocalypse.

Chaconne

Thanks, sport. Been with Vanguard since before the internet, and I never knew that!

Chaconne

I trust the funds within, and the liquidity of VUSXX (Vanguard Treasury MM Fund), will be safe, but as the rate is sure to fall, I see no issue with moving funds to FDIC insured accounts which offer both protection and a better interest rate. Especially if one doesn't need to lock in for a given te...

Chaconne

In mid-February (so long ago, it seems!), with a nest egg 40 to 50 times my carefully estimated annual expenditures, my mind turned to the philosophy, “If you’ve won the game, stop playing.” I had recently gone from 60/40 (which I’d held rock-steady for more than 30 years) to 40/60 and figured I’d s...

Chaconne

Thanks for the explanation, technovelist. And for something ELSE to worry about!

Chaconne

Any opinions on Vanguard's Prime Money Market Fund? https://investor.vanguard.com/mutual-funds/profile/overview/vmmxx I would run away screaming. Treasury-only in this environment. I understand your recommending Treasuries, but I can't tell if your "run away screaming" is genuine or perha...

Chaconne

Any opinions on Vanguard's Prime Money Market Fund?
https://investor.vanguard.com/mutual-fu ... view/vmmxx

Chaconne

UPDATED OP SITUATION ON SUNDAY, MARCH 15 Here' where I am: When I hit my all-time high on February 19 (seems like years ago!), my mind constantly wandered to the “if you’ve won the game, stop playing” idea. I thought that maybe my switch from 60/40 to 40/60 wasn’t conservative enough. This kind of w...

Chaconne

You're thirty-FREAKING-four years old! (Sorry, just jealousy rearing its ugly head.) You've got the potential to keep earning and investing for 30+ years. By that time, this will not even be a blip on your ever-upward wealth curve. IF you stay the course. Heck, if you stay the course, you may well c...

Chaconne

4:00 pm: Dow = 21,807
Close: Dow = 23,185

Up 1,378 just like that. Happy days are here again, bruh!

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