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Re: Experience with Snapfon?

Trac Fone I think is cheaper and very easy to use. Take a look at it. It is an excellent emergency phone.
by Grandpaboys
Thu Jul 10, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Snapfon?
Replies: 3
Views: 719

Re: LT Capital Gains

If you are in the 15% tax bracket sell enough to keep you in that bracket each year and pay zero taxes.
by Grandpaboys
Mon Jul 07, 2014 3:28 am
 
Forum: Investing - Help with Personal Investments
Topic: LT Capital Gains
Replies: 4
Views: 476

Re: Neighbor's Fireworks

Next time it happens call 911. It's happened to me with bottle rockets and caught my roof on fire. We have an ordnance against all fireworks. At the time I had a wood shingled roof. It solved my problem.
by Grandpaboys
Sat Jul 05, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4353

Re: Need laptop advice. Lenovo IdeaPad S210 59387503?

Just bought Dell laptop with 8.1. If it wasn't for Dell's tech support service the computer would have been put back in the box and sent back for a full refund. I spent 9.5 hours with 9 techs from India with just a 1-800 phone call and all my problems were resolved and then some. I do not know this ...
by Grandpaboys
Wed May 28, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Need laptop advice. Lenovo IdeaPad S210 59387503?
Replies: 10
Views: 485

Re: New water heater needed - local plumber or Home Depot, L

My best advice is buy only a Rheem and only a Rheem. I paid my local handyman $100 and he picked up water heater at the local plumbing house with his truck and installed it.
by Grandpaboys
Wed May 28, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4242

Re: Your advice, ethical dilemma - job interview.

Looks like you are the man for the Job, good luck.
by Grandpaboys
Fri May 23, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your advice, ethical dilemma - job interview.
Replies: 30
Views: 2414

Re: New PC - Buy Office or use free alternatives

Purchased new Dell laptop 8.1 OS 6 weeks ago. I am no good at this computer stuff. Tried to load Office 2003 and Cannon Printer 3 years old that I had DVD for. Would not work. Under warranty I called Dell tech support and the tech from India installed office 2003 and my Cannon printer. Even burned a...
by Grandpaboys
Mon May 19, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2019

Re: [Parents thinking about making home loans to children]

Went thou it with both my sons. Neither could live up to our agreement. You have received good advice. Gift rather than lend. Lending creates family problems that you do not want.
by Grandpaboys
Sat May 17, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Parents thinking about making home loans to children]
Replies: 18
Views: 1088

Re: Trying to decide between current job and a job offer

When you and your wife decide where you want to live the answer will be in front of you.
by Grandpaboys
Mon May 05, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to decide between current job and a job offer
Replies: 7
Views: 800

Re: Did not have fun this year doing my taxes- TT

I was concerned because of all the changes made to TT. I choose this year not to download info from Vanguard or elsewhere. That has gotten me messed up in the past.While doing my return and answering all the questions I wasn't sure the forms would come out right. I entered everything manually and in...
by Grandpaboys
Tue Apr 15, 2014 3:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 4600

Re: Trade XP computer for $100 credit at Best Buy

Just received a new 17" laptop from Dell. Had two visits with Dell Support totaling 3 hours on the phone due to me not being very good at this computer stuff. Under warranty so it was free. They went beyond warranty work as they loaded CD's from old Dell XP computer to my new one which I tried ...
by Grandpaboys
Fri Apr 04, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: Trade XP computer for $100 credit at Best Buy
Replies: 6
Views: 964

Re: Multiple Pensions - PBGC Question

PBGC pays me monthly for two pensions, resulting from merger of two companies. The payout was figured independently from each other. Both were under the max I could receive. There was no indication at all of any grouping. Was not ever mentioned by PBGC that this might be a possibility. I was retired...
by Grandpaboys
Sun Mar 23, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Pensions - PBGC Question
Replies: 5
Views: 630

Re: Installing Win8.1 on an old PC - one successful data poi

I wanted to do what you did however my 2007 laptop computer did not have enough guts to get that accomplished. I can do Windows 7 but do not think I would be satisfied with performance of that product and preferred to put my money into into a top line computer from Dell. My son is VP at a large comp...
by Grandpaboys
Sat Mar 22, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Installing Win8.1 on an old PC - one successful data point
Replies: 24
Views: 1829

Re: Are Rheem gas water heaters good quality?

All plumbers here recommend nothing but Rheem
by Grandpaboys
Sun Mar 16, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Are Rheem gas water heaters good quality?
Replies: 16
Views: 2762

Re: Farmers Auto, house, umbrella insurance

When Farmers pulled out of Texas very suddenly it left me less than a month to go elsewhere. I have not and will not ever use Farmers Insurance. Completely unreliable. My friend was an agent for Farmers and it just wrecked her business.
by Grandpaboys
Tue Mar 11, 2014 5:12 am
 
Forum: Personal Consumer Issues
Topic: Farmers Auto, house, umbrella insurance
Replies: 9
Views: 891

Re: Things to do in St.Louis with a toddler

I grew up in St. Louis, I second the ZOO
by Grandpaboys
Mon Feb 24, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 15
Views: 842

Re: Sleeping With Bonds!!!!!

My 85% Bond Funds were purchased in 2008 and I will stay the course.
by Grandpaboys
Fri Jan 31, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 7493

Re: Vanguard Website not available

I was going to dump AT & T for Time Warner. When the tech came to the house I learned the speed was very little improved. The price was 25 + 5 + 5 or $25 plus tax. The extra fives being for the Router per month or buy your own at some $100 bucks and the other for wireless per month as it is not ...
by Grandpaboys
Mon Jan 27, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Website not available
Replies: 11
Views: 1205

Re: Income tax bracket strategy vs gains tax question

Keeping your total income within the 15% tax bracket your long term gains will be taxed at -0-. You can use Turbo Tax or just follow last years return and get a close estimate of how much long term capital gains you can take at the -0- rate.
by Grandpaboys
Thu Nov 21, 2013 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income tax bracket strategy vs gains tax question
Replies: 17
Views: 843

Morningstar.com

I have tried to cancel all e-mails from Morningstar with no success. Now I am trying to cancel my free membership with no success. Can anyone help me out here?
by Grandpaboys
Thu Nov 21, 2013 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar.com
Replies: 1
Views: 184

Re: ACH external to/from Vanguard?

My Prime Money Market Account for which I have checks for has the Transit Code and Account Numbers on the checks. These are the Numbers you use.
by Grandpaboys
Sat Nov 02, 2013 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: ACH external to/from Vanguard?
Replies: 12
Views: 1252

Re: Inexpensive cell phone- Verizon

Look at Tracfone. Have used it for years in off beaten places and never had a problem with reception. This is a prepaid cell phone.
by Grandpaboys
Wed Oct 23, 2013 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3675

Re: buying rv

I have been RV for 30 years. Have owned 3 motor homes. My opinion is to buy used and save big bucks. Currently have 37' Diesel Motor Home for sale for $20,000. If interested PM me.
by Grandpaboys
Fri Sep 13, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: buying rv
Replies: 16
Views: 1432

Re: Which Pension choice should I make?

With limited information to run the numbers and know your personal situation, the one thing I would be thinking about is how secure is the payee in your planning for the next 30+ some years of retirement. My company went bankrupt before I retired but Uncle SAM took over the pension program before th...
by Grandpaboys
Fri Aug 30, 2013 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Pension choice should I make?
Replies: 13
Views: 1217

Re: In contract on home with settlement and drainage concern

If it were me and my wife we would walk away quick.
by Grandpaboys
Thu Aug 29, 2013 1:14 am
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1345

Re: Alternative Energy Suppliers

Last months bill I used 1591 kwh at a total rate of .129 cents per kwh.
by Grandpaboys
Sat Aug 24, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: Alternative Energy Suppliers
Replies: 20
Views: 1202

Re: Alternative Energy Suppliers

Here in Texas I pay .12 cents per kwh
by Grandpaboys
Sat Aug 24, 2013 10:10 am
 
Forum: Personal Consumer Issues
Topic: Alternative Energy Suppliers
Replies: 20
Views: 1202

Re: Move money between Schwab and Vanguard

the problem the OP had was pulling from Schwab. With a Schwab checking account can the OP pull from Vanguard or is that too blocked by Schwab? I assume the checking account at Schwab would be in conjunction with his Money Market Account at Schwab.
by Grandpaboys
Fri Jul 19, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move money between Schwab and Vanguard
Replies: 10
Views: 1080

Re: Move money between Schwab and Vanguard

If the link process is set up what is the reason Schwab gives for not allowing the transfer? This process is not meant to be a one way street. When Schwab accepted the set up prosess did they at the time say is was a one way street? I have had as many as 4 Banks that I ACH money between with Vandgua...
by Grandpaboys
Fri Jul 19, 2013 6:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Move money between Schwab and Vanguard
Replies: 10
Views: 1080

Re: Muni Withdrawal phase - lower tax bracket during retirem

In my case I am in the 15% bracket, however if I eliminated my large investment in Limited Term Tax Exempt I would be in the 25% bracket. This allows me to take large long term capital gains to the limit of the 15% bracket and pay -0- tax on these capital gains. I have done this for 3 years and hope...
by Grandpaboys
Thu Jul 18, 2013 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Muni Withdrawal phase - lower tax bracket during retirement
Replies: 10
Views: 1149

Re: Appliances Dilemma - Replace just the broken or Replace

How much money do you want to spend?
by Grandpaboys
Mon Jul 15, 2013 11:44 am
 
Forum: Personal Consumer Issues
Topic: Appliances Dilemma - Replace just the broken or Replace all
Replies: 34
Views: 1971

Re: Deja vu: Bond funds lose money every year

quote I do not think bond funds lose money 9 of 10 years, but rather during a 3 month period in 9 of 10 years, bond funds lose money. BIG difference. unquote I agree and that's the way I see the chart. I have been in long, intermediate and short corporate bonds since 1992 and they have been one of t...
by Grandpaboys
Sat Jul 06, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deja vu: Bond funds lose money every year
Replies: 54
Views: 5167

Re: Making a Graph [Compare NAV performance]

Yep, you are so right. I have had Investment Grade Bond Funds since 1992 and have received a lot of capital gains.
by Grandpaboys
Sun Jun 23, 2013 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Making a Graph [Compare NAV performance]
Replies: 12
Views: 449

Re: Making a Graph [Compare NAV performance]

I am in Heaven with all the great info. Got more than I ask for which is great. Thanks so much.
by Grandpaboys
Sun Jun 23, 2013 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Making a Graph [Compare NAV performance]
Replies: 12
Views: 449

Re: Making a Graph [Compare NAV performance]

Great, thank you all. Now I am trying to figure out how I get from Yahoo.com to the Interactive Chart.
I can't get on the right road, can anyone give me the click route. I can get to Yahoo Finance but the Interactive Charts does not show.
by Grandpaboys
Sun Jun 23, 2013 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Making a Graph [Compare NAV performance]
Replies: 12
Views: 449

Making a Graph [Compare NAV performance]

I want to make a line graph showing the NAV from 2008 to now for the following funds.
VBILX, VBTLX, VFIDX

How do I go about doing that?
Thanks
by Grandpaboys
Sun Jun 23, 2013 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Making a Graph [Compare NAV performance]
Replies: 12
Views: 449

Re: Time to buy bonds!

Quote from Kevin

Although long-term investment-grade is getting tempting at an SEC yield of 4.46% for Admiral shares.

Can you please tell me how you arrived at 4.46%?
Thanks
by Grandpaboys
Thu Jun 20, 2013 7:31 am
 
Forum: Investing - Theory, News & General
Topic: Time to buy bonds!
Replies: 26
Views: 5108

Re: Poll: Intermediate Term Investment Grade Admiral

My concern is the reinvestment of the funds at the Credit Union in 30 months, particularly if it contains the substantial amount I have in bonds at Vanguard. My AA is 85%/15% bonds/stocks. 85% of my investments at one Credit Union for 30 months is not my idea of prudent investing. The CD environment...
by Grandpaboys
Fri Jun 14, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

I agree. So I get the Tax Free on capital gains as long as it lasts. The Capital Gains I have taken the last four years has been from stocks. The NAV in Bond Funds just started coming off there highs in the month of May which I expected to happen some time. Now that it's here the question is how low...
by Grandpaboys
Fri Jun 14, 2013 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

Quote Sell as much of the intermediate term bond fund each year as you can without getting a tax hit and gradually change over towards the CD option, which IMHO has less risks and the same return. michaelsieg Posts: 72 Joined: 7 Jan 2013 This is exactly what I have been doing for four years. I have ...
by Grandpaboys
Thu Jun 13, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

Artsdoctor

Yes I agree, 4% plus is what I was receiving at the original purchase.
by Grandpaboys
Thu Jun 13, 2013 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Checking account for aging parent

I would suggest adding one of the brothers to the checking account which can be used for emergencies.
At age 85 myself I have done this, by adding my son to my checking account this year. My son also has a key to our Safe Deposit Box. To me it feels good to have this available in case of emergencies.
by Grandpaboys
Mon Jun 10, 2013 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Checking account for aging parent
Replies: 2
Views: 366

Re: Poll: Intermediate Term Investment Grade Admiral

If I sold the entire asset it would put me in the 25% tax bracket. No State income tax.

Thank you to everyone who has posted or voted. This asset is on HOLD for now.
by Grandpaboys
Sat Jun 08, 2013 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

Rick, a Buy option is not a possibility for me unless the NAV gets to $9.00/share or below,do you think that may happen?
by Grandpaboys
Fri Jun 07, 2013 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

Granpaboys, If you've made it to 85, you could very well live another 10 to 20 years--and outlive some of the much younger people reading your posts. Never assume you have a short time horizon--or a long one! 20 years could be a stretch, but 10 looks easy. The only thing I have changed in all the y...
by Grandpaboys
Fri Jun 07, 2013 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

zotty » 07 Jun 2013, 10:40 Maybe split the difference. If the duration of the fund is longer than your time horizon, it makes perfect sense to adjust your duration to fit your time horizon. Adjusting Duration to fit Time Horizon becomes a mute point when you reach my age of 85. What do you propose, ...
by Grandpaboys
Fri Jun 07, 2013 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

The Credit Union is Navy/Army Credit Union and the CD's are only for local residents. btenny Your answer is how I have been viewing this investment in Intermediate Investment Grade. I also view the Distribution Yield in comparison to the the CD yield. Many have told me that is wrong, however my time...
by Grandpaboys
Fri Jun 07, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

I have always been a Stay The Course Investor, but at age 85 I have been concerned with re-cooping at my age and now Keeping What You Got as become important.
by Grandpaboys
Thu Jun 06, 2013 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006

Re: Poll: Intermediate Term Investment Grade Admiral

won't need the money unless the roof falls in. Penalty is 60 days interest.
by Grandpaboys
Thu Jun 06, 2013 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Intermediate Term Investment Grade Admiral
Replies: 66
Views: 4006
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