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Re: Volvo vs. Mercedes

I believe Volvo is Chinese now. Yes, they are owned by the largest economy in the world now. They used to be owned by a company in the country that's now in second place. And before that they were the second largest industry in a country where the first largest industry was ABBA! :oops: Mamma Mia!
by Leesbro63
Thu Dec 18, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 48
Views: 3603

Re: Bogle on CNBC 12-16-2014: 100% USA squity

Jack Bogle ,CNBC, 12-16-2014. 2. Half of US companies have exposure internationally. I don't know the exact numbers, but I have no trouble imagining that half of Japanese companies have exposure internationally as well, and did so a couple decades ago. Regardless, diversification is fundamental. I ...
by Leesbro63
Wed Dec 17, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3613

Re: Great Graphic

Thank you Cyberbob. That's it! I was hoping someone would find it and post it. I appreciate your help, Cbob.
by Leesbro63
Mon Dec 15, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Great Graphic
Replies: 5
Views: 973

Re: Great Graphic

I tried. Maybe someone can PM me and do this. ???
by Leesbro63
Mon Dec 15, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Great Graphic
Replies: 5
Views: 973

Re: No wash sale when you sell all shares?

I think you might be confusing wash sale issues with capital gains issues. Shares reinvested recently, I think, get the short term cap gains rate while shares held longer than a year get the long term rate. (There might be an exception if using average cost basis). Anyway, as already posted, the was...
by Leesbro63
Mon Dec 15, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: No wash sale when you sell all shares?
Replies: 8
Views: 540

Great Graphic

I have what I think is a great Boglehead graphic (Jpeg). It's a big bar showing "investment return" and a smaller bar showing "investor return" and the different labeled as "investor behavior". Could maybe be Jack Bogle's life's work summed up in one pretty graphic. I d...
by Leesbro63
Mon Dec 15, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Great Graphic
Replies: 5
Views: 973

Re: I'm an Irrational Bond Chicken Little

12-year returns of the Vanguard Total Bond Market Index (admiral shares), which is an intermediate-duration bond fund: 2002 8.32% 2003 4.04% 2004 4.33% 2005 2.49% 2006 4.36% 2007 7.02% 2008 5.15% 2009 6.04% 2010 6.54% 2011 7.69% 2012 4.15% 2013 -2.15% 2014 6.07% YTD This was during a time of stock ...
by Leesbro63
Mon Dec 15, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 2917

Re: I'm an Irrational Bond Chicken Little

This is 4+ years old, but Dr. Bernstein says the same thing today. He's a Chicken Little too. He says "keep your safe money safe". http://www.morningstar.com/cover/videoc ... ?id=355635
by Leesbro63
Mon Dec 15, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 2917

Re: Oil's future...

I just saw this thread. I can't and won't predict oil's future...I'm still traumatized from the 1973 crisis where they told us we'd be out of oil by 1980! :D That being said, I can CLEARLY remember T. Boone Pickens, master of all things energy...the guy most likely to be able to predict energy price...
by Leesbro63
Sat Dec 13, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Oil's future...
Replies: 56
Views: 5824

Re: Is the collapse of oil price a "black swan"?

Laszlo Birinyi says the collapse of oil IS INDEED a "black swan event" http://www.cnbc.com/id/102258318
by Leesbro63
Fri Dec 12, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 87
Views: 7577

Re: Is the collapse of oil price a "black swan"?

For what it's worth, a web site I checked said the long term (100 year) average price of a gallon of gasoline is $2.60 (adjusted for inflation). So we're just about normal now.
by Leesbro63
Thu Dec 11, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 87
Views: 7577

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

On that same page with the red "COMING SOON" message is a red TURBOTAX logo. I clicked right on that logo and it took me to the page to purchase/download it.
by Leesbro63
Wed Dec 10, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16665

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Turbotax appears to be ready via Vanguard. I just downloaded Premier for $9.99,
by Leesbro63
Wed Dec 10, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16665

Re: Vanguard Turbo Tax prices anounced

Turbotax appears to be ready via Vanguard. I just downloaded Premier for $9.99,
by Leesbro63
Wed Dec 10, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7735

Re: Buying a casket

We had this situation with my father who died at 88+ in March. About 2 weeks before hand we went to the funeral home and did the whole thing in one package. Service, rabbi, limo for the mourners, hearse, casket. Also of course, pickup of the body from the nursing home. And my mother wanted a couple...
by Leesbro63
Wed Dec 10, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2293

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

So can I now download Turbotax 2014 at the Vanguard customer price? Or is that still "coming soon"?
by Leesbro63
Tue Dec 09, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16665

Re: Vanguard Turbo Tax prices anounced

It's not clear to me from the two currently active TURBOTAX posts: Can I now download Turbotax for 2014 using my Vanguard discount? Or is it still "Coming soon"?
by Leesbro63
Tue Dec 09, 2014 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7735

Re: Vanguard Turbo Tax prices anounced

I am a Flagship client who must file Schedule D. Which version do I need?
by Leesbro63
Fri Dec 05, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7735

Re: 2012 Honda Pilot Tranny Fluid Change?

I would look in the owners manual (maintenance section) and see what the manufacturer's recommended change mileage is. I'll bet that it is many more miles than 27K. :annoyed That's old school. Honda's have a computer that flashes codes for stuff like this. So there is no recommended change in the m...
by Leesbro63
Thu Dec 04, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1566

2012 Honda Pilot Tranny Fluid Change?

A friend has a 2012 Honda Pilot AWD with about 27,000 miles. He said that the maintenance minder flashed a code to change the tranny fluid. So he took it to the dealer and they changed the tranny fluid. Can this possibly be right? I can't imagine any Honda requiring a tranny change anywhere near tha...
by Leesbro63
Thu Dec 04, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1566

Overfunded IRA, Now What?

I recently opened a Roth IRA for my son at Vanguard. He's 20 and earned about $1600 last summer as his total income for 2014. My intention was to put $1500 into the IRA. I see, however, that TWO separate $1500 debits came out of his checking account (linked to Vanguard). I don't know if I goofed or ...
by Leesbro63
Thu Dec 04, 2014 5:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Overfunded IRA, Now What?
Replies: 1
Views: 366

Re: Should 529s be counted part of our net worth?

Technically you guys who are arguing that 529 money is an asset are correct. (Although I doubt a bank would consider it an asset when deciding whether to lend you money or not.) And technically you who say that college costs are a future potential expense that may or may not happen, but are not a li...
by Leesbro63
Sat Nov 29, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2548

Re: Should 529s be counted part of our net worth?

No 529 plans should not be counted in net worth. And should have a separate asset allocation mostly unrelated to the asset allocation of your other nest egg. Because paying for college is a liability for most upper middle class and above Americans (those who can save real money in 529 plans). If you...
by Leesbro63
Sat Nov 29, 2014 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2548

Re: Should I Fix 1999 Grand Marquis (182K Miles)

I would love to make an exception (to my personal principles) and lease but, due to a long commute, I drive about 30k miles a year. You can still lease a new car but with the intent to buy it (pay the residual value) at the end of the lease. In that case, it is just another way of financing the car...
by Leesbro63
Thu Nov 27, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1636

Re: Private college counselor

TT appreciate your long post Leesbro did you hire the local counselor or away from home And usually how much do they charge I think I paid about $2500 each to a local lady who was a former admissions person at a just-below-Ivy school. For us it was more about navigating the process and organization...
by Leesbro63
Wed Nov 26, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 76
Views: 4553

Re: Private college counselor

Did it for both my kids. HIGHLY worth it if you can afford it. What do I know about overseeing the very complicated college app process? Not much! Outsourced it to an expert and know it was done right. Some of the best dollars I ever spent. Oh and both of my kids got into their top "near Ivy&qu...
by Leesbro63
Wed Nov 26, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 76
Views: 4553

Re: Should I Fix 1999 Grand Marquis (182K Miles)

Also even though you are driving a tank, a new car will probably be safer. Because you're driving a 16 year old tank and the safety features standard in even a Corolla or Civic are way ahead of anything available in 1999. And what you gain by driving a tank in safety you might be unknowingly losing ...
by Leesbro63
Wed Nov 26, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1636

Re: Strategically not paying medical bills for 90 days for a

Must do wonders for one's credit score. You still can't just ignore medical bills and expect no credit hit, but Clark Howard was talking about this recently. Many very responsible people end up with medical bill "dings" on their credit. Often for bills they never even received or perhaps ...
by Leesbro63
Wed Nov 26, 2014 4:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 3930

Re: Strategically not paying medical bills for 90 days for a

I wonder if the discount is any different from what they would have gotten if they'd called the business office when they got the bill, and said "I have my credit card in my hand, and if you will agree to accept the same amount Medicare would pay you, I will be glad to settle the bill with you...
by Leesbro63
Wed Nov 26, 2014 3:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 3930

Re: Paying my parents a salary not to touch their nest egg

Your plan makes no financial or familial sense that I can see. I would start by buying LTC insurance for them. Otherwise put the same money in trust for your kids, their grandchildren. If they need help buy an apartment for them to live in. This may be bad advice today. Read the other recent posts ...
by Leesbro63
Wed Nov 26, 2014 3:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4433

Re: Should I Fix 1999 Grand Marquis (182K Miles)

Time to let your unit of the last great American "big car" go. That being said, I commend you for being financially prudent and living frugally as you begin your career. I know I might get flamed for this, but you are actually a good candidate for a $200-$250/month lease on an low end Acco...
by Leesbro63
Wed Nov 26, 2014 3:46 am
 
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1636

Re: Hedge Funds Are Happy to Lose Money for Everyone

Yet you read about stars like David Tepper and wonder if you're missing something.
by Leesbro63
Mon Nov 24, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge Funds Are Happy to Lose Money for Everyone
Replies: 5
Views: 812

Re: How do you "un-fund" a revocable trust?

I am not a lawyer. That being said, it sounds to me like you might have an older trust that has language for a Bypass Trust, meant to minimize estate taxes from an earlier era were the amount that can pass tax free was much smaller. But the concept of using a RLT (revocable living trust) to pass ass...
by Leesbro63
Sun Nov 23, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you "un-fund" a revocable trust?
Replies: 10
Views: 1258

Re: How do you "un-fund" a revocable trust?

It's not clear what you mean by "revocable bypass trust". Do you mean "Revocable Living Trust"? Generally, my non-legal understanding is that once a bypass trust gets funded, it's done as part of settling an estate and is not revocable.
by Leesbro63
Sat Nov 22, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you "un-fund" a revocable trust?
Replies: 10
Views: 1258

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

All I wanna know is which Turbotax do I need that includes Sch D and allows me to Efile?
by Leesbro63
Fri Nov 21, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16665

Re: Quit Cobra to go on Obamacare?

This is a misunderstanding of the way a plan works. What you needed was a "waiver"; if your insurance company had a signed form saying, "We agree to pay in-network benefits for this procedure", you would be legally protected. No this does not sound right. The issue isn't for the...
by Leesbro63
Fri Nov 21, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Quit Cobra to go on Obamacare?
Replies: 23
Views: 3067

Re: Buying a lasting vehicle

fishmonger wrote:Barring a dramatic drop in quality/reliability, I'm not sure I'll ever buy a vehicle other than Toyota


+1
by Leesbro63
Thu Nov 20, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4715

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Well, I have better things to do than argue over $10. I'll pay it but if they're gonna "give" top clients something, there shouldn't be fees attached. :annoyed
by Leesbro63
Thu Nov 20, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16665

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I always get Turbotax free from Vanguard for being a good customer or whatever they call me. I need schedule D. Will I be able to download whatever Turbotax version that has Sch D from Vanugard for free as usual?
by Leesbro63
Thu Nov 20, 2014 5:48 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16665

Re: Buying a lasting vehicle

Not trying to be a pain but why are foreign cars so popular on this forum? :) Just about every suggestion is a foreign car and American cars are very rarely suggested. Have you had bad experiences with American cars and/or found the foreign cars to be more reliable? Or do you base your decisions on...
by Leesbro63
Wed Nov 19, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4715

Re: Quit Cobra to go on Obamacare?

I chose to go private insurance rather than continuing my COBRA coverage. I didn't 'go on Obamacare' as far as I'm concerned, because I get no subsidy, though I did shop it and eventually buy it via my state's health care marketplace site (CoveredCA). The gold-plated company health care which I was...
by Leesbro63
Wed Nov 19, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit Cobra to go on Obamacare?
Replies: 23
Views: 3067

Re: Insurance Company Protection

That's also why you can't use insurance as an investment. They have no method to really guarantee results. When they have good actuarial knowledge with fewer assumptions like term life insurance then they can do a good job for both you and them. But in the real world even Bogleheads need to rely, l...
by Leesbro63
Wed Nov 19, 2014 6:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Protection
Replies: 14
Views: 1167

Re: Buying a lasting vehicle

Camry, Corolla or maybe Prius
by Leesbro63
Tue Nov 18, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4715

Re: AT&T Upgrades Data Allowance

Basically they are cutting prices/adding more product for the same money. But only for the informed. Many will ignore all this and pay overage charges. Probably a good business model. Competing with the competition but keeping the old price for those not paying attention.
by Leesbro63
Tue Nov 18, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: AT&T Upgrades Data Allowance
Replies: 5
Views: 908

AT&T Upgrades Data Allowance

For you fellow AT&T Wireless customers, I just took advantage of AT&T''s "Limited Time Offer to upgrade 10GB family plan to 15GB per month at no extra charge. My guess is that this will become standard, but for now you have to click to take advantage of it and there is the suggestion th...
by Leesbro63
Tue Nov 18, 2014 6:36 am
 
Forum: Personal Consumer Issues
Topic: AT&T Upgrades Data Allowance
Replies: 5
Views: 908

Re: Insurance Company Protection

Don't quite get just what is your complaint? I didn't get the impression that Genworth was in danger of going bellyup; just that they were drastically changing their underwriting models on the sale of these LTC policies. My complaint was really meant to be an actionable question here. Wondering if ...
by Leesbro63
Mon Nov 17, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Protection
Replies: 14
Views: 1167

Re: Insurance Company Protection

Isn't there some sort of consumer protection law regarding this? States can require admitted insurers to belong to "protection associations" (aka "guaranty associations/funds"). The insurers contribute to a fund to "protect" consumers in the event one of the fund membe...
by Leesbro63
Mon Nov 17, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Protection
Replies: 14
Views: 1167

Insurance Company Protection

From another thread I am wondering about this: Insurance companies seem to play "footsie" with groups of policies and even the companies themselves. In the other thread, owners of long term care policies bought from GECAPITAL insurance (or whatever it was called...but was a direct product ...
by Leesbro63
Mon Nov 17, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Protection
Replies: 14
Views: 1167

Re: "The dangers of long-term care insurance"

For people who bought policies years ago before GENWORTH was separate from GE...isn't this a kind of fraud? People bought GE policies with the expectation that the full faith and credit of GE was behind it. Then it got spun off and now something much less strong than GE is behind it. Of course many ...
by Leesbro63
Mon Nov 17, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13189

Re: "The dangers of long-term care insurance"

So, based on what we know, are Genworth annuitants currently at greater-than-usual risk or is the LTC division "lockboxed" from the other Genworth divisions (including annuities)?
by Leesbro63
Mon Nov 17, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13189
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