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Re: Binocular Recommendation Request

Eagle Optics has a great selection. Their own brand is pretty competitive price-wise Agree Eagle Optics is well worth checking out. They sell their own brand as well as others. I own two sets of their Eagle Optics Ranger brand of binoculars. Great website, solid advice as well. http://www.eagleopti...
by Bruce
Sat Apr 19, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 446

Re: Best "Online Service" Hotel Room/Car Deals

Picking up a car at Hertz in Park Ridge, IL will allow you to avoid the 28% taxes and fees at Chicago - O'Hare (7% taxes). Pricing between the airport locations and local locations can be substantial. Wondering about the cost of getting from O'Hare to the Park Ridge Hertz to take advantage of this ...
by Bruce
Sat Apr 19, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Best "Online Service" Hotel Room/Car Deals
Replies: 12
Views: 944

Re: 22 Y/O Cadet Advise

Cadet pay is earned income, and earned the hard way (I recall some related saying about "..... a nickel at a time"). I know your free time is scarce and precious, but make the time to read Taylor's investment gems post of excerpts from Dr Bill Bernstein's "If You Can: How Millennials ...
by Bruce
Tue Apr 15, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 Y/O Cadet Advise
Replies: 8
Views: 526

Re: Seward AK to Denali, back to Anchorage

Seward to Denali is a long and tiring day. You might consider taking the train to Anchorage, spending a night or two,and then taking the train to Talkeetna and arranging a flightseeing tour of Denali and part of Denali Park. Here are a list of authorized flight tour operators in the Park. All are go...
by Bruce
Thu Apr 10, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Seward AK to Denali, back to Anchorage
Replies: 8
Views: 635

Re: How much is a fair hourly fee?

Rick, Two thoughts on what might be a high end and low end. Vanguard charges $1000 for a financial plan (with discounts all the way down to free for higher asset levels). Investor fills out a questionnaire which gets plugged into a software program, and ends up with about one to two hours of actual ...
by Bruce
Wed Mar 05, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4842

Re: Please help with my SUV purchase

Second the recommendation to look hard at Hyundai Santa Fe, and also suggest you check out Hyundai Vera Cruz. Both have 100,000 mile warranty , both burn regular gas instead of premium. Both have available 3rd row seating. We test drove all of the brands you mentioned and ended up as owner of one Sa...
by Bruce
Mon Mar 03, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Please help with my SUV purchase
Replies: 40
Views: 2398

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor, You have already done an amazing amount of good in your time on this planet, and you continue to share your knowledge and wisdom with the rest of us, at a time many others have decided to just take it easy. Truly appreciate your contributions to our country and to this forum. ...
by Bruce
Wed Jan 22, 2014 6:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12650

Re: The Rent is Late

Glad you are working to resolve the situation. I was once a land lord (and glad I am not anymore), but I found the advice in Leigh Robinson's book invaluable and helpful with a tenant falling behind in rent. Worked with her over the years, and even eventually sold the tenant the property where she s...
by Bruce
Tue Jan 07, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 5674

Re: Best place to start Coverdell ESA account?

Not sure Vanguard will let you open a new Coverdell college savings account anymore, I also have these accounts for my kids at Vanguard, but Vanguard now appears to be offering only the 529 account option for new college savings accounts, I think since late 2010 when it looked like the annual Coverd...
by Bruce
Sat Jan 04, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Best place to start Coverdell ESA account?
Replies: 12
Views: 1065

Re: Please Help a 36 Yr Old With $7m+ Portfolio

You are getting some thoughtful advice. I just wanted to make one clarification to Laura's helpful post. Bill Bernstein writes some great books that are well worth your time to read, but his investment firm actually has a higher minimum investable asset portfolio size then currently fits your profil...
by Bruce
Fri Jan 03, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Please Help a 36 Yr Old With $7m+ Portfolio
Replies: 66
Views: 10471

Re: does VG offer a SPIA indexed to CPI or so ?

BobK
Thanks for taking the time to put together a very informative and useful reply.

I am not in the SPIA market yet, but the links and info you provided helped me learn some very helpful info for future planning.


regards,
by Bruce
Mon Dec 23, 2013 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: does VG offer a SPIA indexed to CPI or so ?
Replies: 8
Views: 765

Re: how to set up roth for my son

Congratulations to your son, hope your son develops a thick skin and high degree of self confidence from his experience and is soccer referee in a league where coaches and parents are advised that ref abuse turns away the young referees needed to grow the game. YES he can set up a Roth IRA, however ...
by Bruce
Thu Oct 24, 2013 8:40 am
 
Forum: Investing - Theory, News & General
Topic: how to set up roth for my son
Replies: 11
Views: 861

Re: What to Read After the Bogleheads Guide to Investing?

I recommend The Investor's Manifesto by Bill Bernstein. And if you go to his website it is hard to find a better list of addtional reading then http://www.efficientfrontier.com/reading.htm Bill writes, "Those of you who are seeking investing enlightenment are not going to find much of it on the...
by Bruce
Tue Oct 22, 2013 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 2480

Re: BOGLEHEADS 12 VIDEOS

Thanks for taking the time to put this together.

Excellent fireside chat.

Not quite as good as being there in person, but sure is a close second.
by Bruce
Tue Oct 22, 2013 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 VIDEOS
Replies: 60
Views: 7405

Re: Car rental - how to minimize all those fees?

Same experience, I find that I usually get the best car rental rates through Costco Travel website, and the full price including taxes and fees is displayed at time of reservation. Sometimes a larger car is offered at a cheaper rate then the smaller sizes, so start your search with a full range of s...
by Bruce
Tue Oct 22, 2013 2:34 am
 
Forum: Personal Consumer Issues
Topic: Car rental - how to minimize all those fees?
Replies: 38
Views: 2869

Re: Why is there a target retirement 2010 fund at Vanguard?

Also quite useful as a fund to keep Coverdell ESA college savings for current university students.
by Bruce
Sat Oct 19, 2013 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is there a target retirement 2010 fund at Vanguard?
Replies: 8
Views: 703

Re: First time checking credit score - some advice?

Best credit related info I have found comes from Liz Weston. Amazing enough Amazon has the kindle edition of her books for free at the moment. 4 books total. Says list price is $90. Liz Weston on Personal Finance (Collection) (2nd Edition) [Kindle Edition] Liz Weston (author) A brand new collection ...
by Bruce
Fri Oct 18, 2013 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: First time checking credit score - some advice?
Replies: 16
Views: 1164

Re: 5 Free Kindle books including 4 from Liz Weston

Thanks for the tip. Just downloaded them.

What a deal!

Liz Weston is a credible source of good useful personal finance info, she was a personal finance writer for the LA Times for many years and a reporter for the Anchorage Daily News before that.

regards,
by Bruce
Fri Oct 18, 2013 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: 5 Free Kindle books including 4 from Liz Weston
Replies: 11
Views: 2087

Re: "The Clash of the Cultures" -- A Gem

Taylor,
Thanks so much for taking the time to sort through the material and investing your efforts putting together these excellent short summaries.

It is appreciated.

best regards,
by Bruce
Fri Sep 13, 2013 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: "The Clash of the Cultures" -- A Gem
Replies: 14
Views: 2066

Re: Why Utah 529 instead of Vanguard 529?

Yes, it is the Nevada plan, or at least the low cost plan among several others offered by the State of Nevada college savings plan program. https://nevadatreasurer.gov/collegesavings.htm from the Vanguard website https://personal.vanguard.com/us/whatweoffer/college/vanguard529?Link=more&LinkLoca...
by Bruce
Fri Sep 13, 2013 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 18
Views: 1495

Re: Unable to access any Vanguard fund information

same issue this morning , tried again later and it worked fine.

Website issues at Vanguard??

regards
by Bruce
Thu Aug 29, 2013 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unable to access any Vanguard fund information
Replies: 3
Views: 298

Re: 15 year versus 20 year mortgage

If you can afford higher monthly payment of the lower interest rate 15 year mortgage, I would lock it in before rates change.

Take the 15 year option.

Good luck!
by Bruce
Sun Aug 18, 2013 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year versus 20 year mortgage
Replies: 21
Views: 1611

Re: pension - survivor benefit or not?

Usually these choices are made before you retire, you are lucky to be retired and still have time to adjust your options. You write that you are both in perfect health, and I hope that stays through your joint retirement But life is not always predictable. I knew a couple where the wife had some ser...
by Bruce
Sun Aug 18, 2013 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: pension - survivor benefit or not?
Replies: 22
Views: 1860

Re: Liquidate Brokerage Acct. Before Tranfer to Vanguard?

Call Vanguard and ask them the best way to do this to minimize additional fees. They deal with this scenario all the time. You may qualify for commission free trades in your Vanguard account, depending on size of the account. Though Vanguard does charge a small account transfer fee no matter how muc...
by Bruce
Tue Apr 09, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liquidate Brokerage Acct. Before Tranfer to Vanguard?
Replies: 5
Views: 663

Re: Autoinsurance: The Nitty- Gritty aspects of it

I suggest you take a hard look at your reasons for rejecting uninsured and underinsured motorist coverage. The number of drivers on the road with a suspended or revoked drivers license who are not insurable is greater then you think. In addition the number of drivers on the road who never got a lice...
by Bruce
Sat Feb 23, 2013 2:43 am
 
Forum: Personal Consumer Issues
Topic: Autoinsurance: The Nitty- Gritty aspects of it
Replies: 26
Views: 2076

Re: Scott Burns at Austin Bogleheads

What a great opportunity to meet Scott in person for those near Austin.

I have enjoyed reading his insights both when he was still with a Dallas News paper and now with his on line commentary at http://assetbuilder.com/

regards,
by Bruce
Wed Feb 06, 2013 4:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 1867

Re: Happy Birthday Taylor

Birthday Greetings to you Taylor,

Thanks for all you do for the Bogleheads, and hope you keep at it through many more birthdays to come!

best regards,
by Bruce
Fri Jan 25, 2013 6:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 3584

Re: FAFSA Rules

First year I have had to deal with this rather bewildering process as well.

Found this website to have a lot of useful info on the topic.

http://www.thecollegesolution.com

regards,
by Bruce
Thu Jan 17, 2013 4:09 pm
 
Forum: Personal Consumer Issues
Topic: FAFSA Rules [Free Application for Federal Student Aid]
Replies: 19
Views: 1983

Re: Budget at $96 vs. Enterprise at $114.

Both Budget and Enterprise are featured rental companies on the Costco Travel website, along with Alamo and Avis. I have consistently found the lowest car rental prices for leisure rental going through Costco compared to other sources, You do need a Costco membership number to make a reservation. ht...
by Bruce
Thu Jan 17, 2013 11:43 am
 
Forum: Personal Consumer Issues
Topic: Budget at $96 vs. Enterprise at $114.
Replies: 20
Views: 1988

Re: Best CD Providers: Bogleheads Top Ten List?

https://personal.vanguard.com/us/funds/bonds/bonddesk

Since all CD's are federally insured up to $250,000 per depositor per bank, I would just choose the highest yield for the duration you are looking for from those available through the Vanguard bond desk.

regards,
by Bruce
Wed Jan 02, 2013 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Best CD Providers: Bogleheads Top Ten List?
Replies: 4
Views: 640

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1551.5
by Bruce
Wed Jan 02, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15104

Re: Alaskan Trip

That is as good as the weather ever gets up here during the late July early August weeks.

Do not confuse it with a lower 48 hot summer day, but the the 24 hour daylight makes up for it.

Enjoy your trip!
by Bruce
Sat Dec 22, 2012 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Alaskan Trip
Replies: 49
Views: 6627

Re: best software for financial planning

Hard to beat these planning tools, both for the quality and the price. http://www.analyzenow.com/Free%20Programs/free_programs.htm Some very helpful articles also available on Bud Hebeler's website "Analyze Now". The mission of Analyze Now is to disseminate inexpensive retirement planning ...
by Bruce
Sat Dec 22, 2012 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 17
Views: 1918

Re: my annual reading list

Larry,

Thanks for sharing your list, and taking the time to put the web links to more on each book.

I have already put a couple of interest from your list (that I would not have stumbled across on my own) on reserve at the local library and look forward to reading them.

best regards,
by Bruce
Fri Dec 14, 2012 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: my annual reading list
Replies: 10
Views: 1411

2012 Turbotax now available at Vanguard Tax Center

Just downloaded the 2012 Turbotax deluxe software using the link at the Vanguard Tax center page.

https://personal.vanguard.com/us/insights/taxcenter

Sure is a nice benefit of using Vanguard to get the free or discounted access to Turbotax.

regards,
Bruce
by Bruce
Fri Dec 14, 2012 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: 2012 Turbotax now available at Vanguard Tax Center
Replies: 72
Views: 8167

Re: FERS Retirement Q

It is costing you less then $2000 a year to purchase service credit for those years you already worked, but can now include in FERS.

No other investment you can make with that money is likely to have a higher return.

regards,
by Bruce
Wed May 09, 2012 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement Q
Replies: 4
Views: 610

Re: dryer vent cleaning--your thoughts?

I used the following kit from Amazon and it worked very well. Had to do it from both sides since it was too long (I didn't buy the extension kit). http://www.amazon.com/gp/product/B0014C ... hs_product Thanks for the tip on this, I used it yesterday and kit was easy to use and worked great. Make su...
by Bruce
Thu May 03, 2012 10:49 am
 
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 18
Views: 2482

Re: Why Smart People Fail to Beat the Market

Rick, Well written and interesting piece. Thought this sentence was worth repeating! I ndex investing is a more profitable investment solution than what the masses of investors who remain in denial will achieve in their lifetimes. Thanks for taking the time to write it, and thanks for posting the li...
by Bruce
Mon Mar 12, 2012 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Why Smart People Fail to Beat the Market
Replies: 14
Views: 1904

Re: Pat is coming home !

Welcome Home.

Taylor had us worried, but glad to hear you are healing.

Enjoy the beautiful view from the "house that Jack built".

All the best to both of you.

best regards,
by Bruce
Mon Mar 12, 2012 2:34 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pat is coming home !
Replies: 115
Views: 9959

Re: $340K Lump Or $1960 Monthly No COLA Pension?

Missing some key info here to make a recommendation or decision. When can you start collecting the pension? Immediately, at 65, or some other option? Is there a survivor benefit? How much and how big a payment reduction, if any, for the surviving spouse. What is your health and general life expectan...
by Bruce
Fri Mar 02, 2012 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: $340K Lump Or $1960 Monthly No COLA Pension?
Replies: 14
Views: 1660

Re: Are there any precedents for the housing bubble/burst?

I would suggest a look at page 5 of the 2011 Berkshire Hathaway annual report to shareholders. Housing will come back – you can be sure of that. Over time, the number of housing units necessarily matches the number of households (after allowing for a normal level of vacancies). For a period of years...
by Bruce
Thu Mar 01, 2012 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Are there any precedents for the housing bubble/burst?
Replies: 7
Views: 637

Re: Selling Home - Listing Agent vs. Flat Fee MLS

We used the original agent who helped us find our first house as the listing agent to sell that house 16 years later, and also used her as our buyers agent to purchase our existing house. She offered (with no negotiating on our part, just her standard business practice to build a client base of repe...
by Bruce
Fri Feb 24, 2012 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling Home - Listing Agent vs. Flat Fee MLS
Replies: 15
Views: 1271

Re: TSP Roth

JSeiden5 wrote:f I increase my Federal tax withholding exemption (0 to 1), decreasing the amount of Federal taxes withheld out of my paycheck, will it affect my AGI?


No

The amount withheld for income tax does not reduce your AGI.
by Bruce
Wed Feb 22, 2012 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Roth
Replies: 9
Views: 892

Re: "What Did You Do When The Market Was Down?"

Not sure I understand that chart.

It is not intuitive that a 19% drop in the stock market should have an equal 5% reduction in portfolio stock allocation for a portfolio that is 40% stocks, and a portfolio that is 60% stocks.

regards,
by Bruce
Mon Feb 20, 2012 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: "What Did You Do When The Market Was Down?"
Replies: 46
Views: 2534

Re: Home addition or move?

Thought this Jonathon Clements quote was on point. “The richest family in the neighborhood may live in the smallest house with the oldest cars.” But ultimately this is not only a financial decision for you. If you stay and add on, do not underestimate the hassle of living with drywall dust and other...
by Bruce
Mon Feb 20, 2012 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home addition or move?
Replies: 29
Views: 1254

Re: What is a Timber Investment?

Rayout, Thanks for sharing the link to the Forisk Blog, thought this Jan 2012 post was an interesting view, “Aren’t shares in timber REITs similar to owning timberlands?” Sorry, no. Thanks for playing. When you own shares in a timber REIT, you don’t own timberland. You own a piece of a business, ove...
by Bruce
Sun Feb 19, 2012 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: What is a Timber Investment?
Replies: 23
Views: 1943

Re: Education Saving Account vs 529

How about contributing an allowable annual contribution of $2000 to the Education Savings Account (ESA) to get it over $10,000 and qualify for admiral shares? As you know once the ESA is closed out, the option to open a new one at Vanguard is gone. You can still choose to contribute to the 529 plan ...
by Bruce
Wed Feb 15, 2012 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Education Saving Account vs 529
Replies: 6
Views: 491

Re: 2012 boglehead contest

I am rooting for nisiprius to win with that guess of 12579.10 :greedy

best regards,
by Bruce
Wed Feb 15, 2012 11:51 am
 
Forum: Investing - Theory, News & General
Topic: 2012 boglehead contest
Replies: 8
Views: 821

Re: Advice on RVs wanted

for a week or two its cheaper to rent then own, but most RV rentals do not allow pets inside. For a three day holiday weekend, rentals may not make sense or be avialable. Suggest you try a private party rental for your first few trips before you make a purchase decision. It can be quality family tim...
by Bruce
Tue Jan 31, 2012 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on RVs wanted
Replies: 24
Views: 2044
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