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Re: External Hard Drive?

I've found Crashplan to be excellent at $60/year for unlimited automatic backups. I do have external hard drives for backup but I just don't back them up as much as I should. :oops: My files are priceless to me so I consider the $60/year to be cheap insurance.
by Postmon
Mon Mar 23, 2015 5:54 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2324

Re: 4 Fund Portolio without bonds

Reminds me of Trev H's Ultimate 4 slices: http://www.bogleheads.org/forum/viewtopic.php?t=38374
by Postmon
Sun Mar 22, 2015 7:37 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2641

Re: Mother-in-laws portfolio. Need advice.

Are these funds in taxable or tax-deferred accounts? How much in each? What is the cost basis for each of the funds in taxable?
by Postmon
Sat Mar 21, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mother-in-laws portfolio. Need advice.
Replies: 9
Views: 1156

Re: VXUS [Should I buy Vanguard Total Int'l Index, Total Bon

With regards to VXUS, is now the time to buy? If you're asset allocation calls for VXUS, then it's the time to buy Not trying to time the market but also don't want to buy at the worst time. I think you're trying to time :wink: ...with rate hikes most likely coming soon? Rate hikes have been "...
by Postmon
Thu Mar 19, 2015 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1273

Re: Cleaning my back yard?

Any suggestions on which of these two to buy, or are they pretty much the same? Jomax need to be mixed with Bleach, wheras wet-n-forget need to be mixed with water. I think it's a matter of a harsh chemical with immediate results versus a non-caustic solution that may take some time. What about nap...
by Postmon
Mon Mar 16, 2015 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 38
Views: 4032

Re: Cleaning my back yard?

Two big advantages of the Wet and Forget are you don't have to scrub (no elbow grease) and it's not caustic. Just spray it on and forget about it. I had a similar situation on our patio and after a month or so all the algae was gone. Don't know if they sell it at HD but you you can get it at Amazon ...
by Postmon
Sun Mar 15, 2015 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 38
Views: 4032

Re: Cleaning my back yard?

Forget the pressure washer or bleach! Try "Wet & Forget" -- I love this stuff and it's so easy to apply. Just spray it on and no scrubbing. :beer You can get it at Costco. http://wetandforget.com/product_wet_and ... tdoor.html
by Postmon
Sat Mar 14, 2015 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 38
Views: 4032

Re: International value: worth the fees?

I contribute each month. I do not understand how can one can rationalize paying $8/trade under any circumstance, when commission-free funds are ubiquitous. Depends on what the alternatives are, how much you're investing and how often. If it's say $100/month, I agree. But if the fund is the only one...
by Postmon
Tue Mar 10, 2015 9:25 am
 
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 1947

Re: International value: worth the fees?

rca1824 wrote:Unfortunately Fidelity does not offer EFV under free commission.


It's only $7.95 a trade. Do you plan to trade so much where that will make a difference?
by Postmon
Mon Mar 09, 2015 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 1947

Re: finance a car or not

As the dealers have different brand cars, and if the preference were for dealer 1 who has the finance cost and no cash rebate, would you feel the same? Hold on a minute! The most important thing is to first decide on the vehicle that you want, then which dealer to buy it from. If you haven't decide...
by Postmon
Sun Mar 08, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 2033

Re: finance a car or not

I hate debt so if I had an extra $20K available, I'd pay cash and take the $750 rebate. I realize there might be some opportunity cost in financing but I sleep better at night not having to worry about a payment.
by Postmon
Sun Mar 08, 2015 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 2033

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks What I was getting at is hindsight is 20/20 and it's impossible for ANYONE to predict what the markets are going to do... OP’s question comes from a comment I made earlier about comparing his FA’s...
by Postmon
Sat Mar 07, 2015 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 783

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks What I was getting at is hindsight is 20/20 and it's impossible for ANYONE to predict what the markets are going to do. Do you recall how rocky things were back in the 2008 timeframe? How could an...
by Postmon
Fri Mar 06, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 783

Re: questions about portfolio

randypape wrote: they didn't move anything around like the advisor would have. what do you think about that comment?


"Would have" or "did"? Were you with EJ in 2008/2009? If so, what did they do and when?

I'd ask them what crystal ball are they using? :wink:
by Postmon
Thu Mar 05, 2015 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 783

Re: Reasons not to use Total Bond Market?

zadie wrote:Are there any reasons to NOT just invest all in BND?


Here are two that are frequently cited:

1) It has too much MBS.
2) Take your risk on the equity side so limit your bonds to Treasuries and maybe short term high quality Corporates.
by Postmon
Thu Mar 05, 2015 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7101

Re: help me speed up my computer

Then, I ran CC Cleaner, which I do pretty regularly. This eliminates all history/cookies. Did you also run the Registry cleaner? There's a "Registry" button on the left side below "Cleaner." If not, that may help a lot. You should do it a few times until everything is fixed. Als...
by Postmon
Sun Feb 22, 2015 7:53 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3781

Re: help me speed up my computer

Throw it away and buy a Chromebook. Best thing I have done in a long time. +1 If you mostly use it for internet, Chromebook (or Chromebox) is the way to go. They're very inexpensive, no maintenance needed, and amazing performance. I've dropped MS Office and use Google's products exclusively. I kept...
by Postmon
Sat Feb 21, 2015 8:45 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3781

Re: why do some people like Fidelity?

And let's not forget the 2% cash back AMEX credit card and the no fee ATM card.
by Postmon
Sat Feb 21, 2015 8:35 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6986

Re: Test drive new vehicle without sales pressure?

ThankYouJack wrote:Does anyone know what other information they can gather from your license?


Would not surprise me if they google your name and address to see what they can find, including the value of your home or where you're renting.
by Postmon
Fri Feb 20, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 4941

Re: Test drive new vehicle without sales pressure?

terran wrote:we could buy today for the right deal


That's definitely a cue for the salesperson to turn up the pressure. The response will be what's the right deal and then the games begin.
by Postmon
Fri Feb 20, 2015 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 4941

Re: Fidelity 401k Portfolio Help

I know the Spartan International Index Fund is not the same as the Global Ex-US fund (no exposure to Canada or emerging markets). Is this a concern, and can I make up for it by investing in one of the other funds available? Not sure which of those funds would get you EM exposure at a reasonable cos...
by Postmon
Thu Feb 19, 2015 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k Portfolio Help
Replies: 6
Views: 725

Re: Vanguard International Index Fund

for tax purposes I am considering the ETF...good move? Yes, but just make sure you understand that ETFs trade like stocks, not like Mutual Funds. Some folks may not be comfortable with them. Additionally, If you prefer Mutual Funds, it might be worth the additional cost to buy the Investor shares t...
by Postmon
Thu Feb 19, 2015 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Index Fund
Replies: 4
Views: 439

Re: Test drive new vehicle without sales pressure?

So would you set up OTD price prior to a test drive? Don't even talk price, trade-in, financing, deposit, etc. until you're 100% ready to buy a specific vehicle. And, when you're ready, come back and ask about buying strategies before talking numbers. Beware that many dealers will run a credit chec...
by Postmon
Thu Feb 19, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 4941

Re: Should I Quit My Job

If I were young (yes, you're young!) and single with nothing to tie me down and had the opportunity to change my career from something that was safe but that I wasn't enjoying to something I always wanted to do, I would definitely go for it. You may always regret not taking that chance. Additionally...
by Postmon
Thu Feb 19, 2015 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 6604

Re: Inherited Mutual Funds: Investing advice

Update: The advisor at Vanguard sent me his recommendation for reinvesting the money. It is as follows: U.S. large-cap stock Vanguard Total Stock Market Index Fund Admiral Shares 24% U.S. mid/small-cap Vanguard Total Stock Market Index Fund Admiral Shares 11% International Stock Vanguard Total Inte...
by Postmon
Thu Feb 19, 2015 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3371

Re: Nearing retirement - needing advise on investment strate

retiredjg wrote: Taxable 7% Vanguard Total Stock Index 10% Vanguard Total International 17% stock (1 stock small cap) Are these tax effective investments? or should I consider munis for taxable investments? Lock in your stock/bond allocation first, then determine the tax efficient placement of the ...
by Postmon
Wed Feb 18, 2015 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement - needing advise on investment strategy
Replies: 9
Views: 1092

Re: Nearing retirement - needing advise on investment strate

Retirejg has a suggested a good plan. My two concerns would be your asset allocation and that one small cap stock. Why 70/30 ? - No good reason. This has always been my allocation has been comfortable with it. However, as I read more about this investing on this site, it might be more aligned with r...
by Postmon
Mon Feb 16, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement - needing advise on investment strategy
Replies: 9
Views: 1092

Re: First Time Dog Owners -- Any Regrets?

mlebuf wrote:https://www.youtube.com/v/txiR7oEVGd0


Okay, you convinced me. Where can I get one of those? :wink:
by Postmon
Mon Feb 16, 2015 2:54 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6126

Re: Vanguard or Fidelity

I think you'll get more responses if you cut the info above out and start a new thread with a new subject line. You started with Vanguard or Fidelity and it's evolved into a much broader topic.
by Postmon
Mon Feb 16, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity
Replies: 30
Views: 3338

Re: Home-visit computer repair options

If you go with a Chromebook, probably better to get one with a bigger screen (14"). It would be helpful if she had a gmail account, but not necessary. Had the same situation in our family. The setup is simple: Plug in the power cord, press the power button and answer a few questions. The only t...
by Postmon
Mon Feb 16, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 957

Re: Inherited Mutual Funds: Investing advice

Careful. There were probably distributions in December that increased the cost basis above $18,024.37. In other words, where did those extra shares come from? (1779.704 - 1774.0515 = 5.6525) And how much did one pay for them? Good point! I was focused on the cost basis at the time of death. When yo...
by Postmon
Sun Feb 15, 2015 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3371

Re: Inherited Mutual Funds: Investing advice

In the case of FRFCX, there were 1,774.0515 shares with a cost basis of 10.16 for a total market value of $18,024.37. On the January 30, 2015 monthly statement, there were 1,779.704 shares with a market value of 9.83 for a total market value of $17,494.49. Yes, that's correct :beer The cost basis i...
by Postmon
Sun Feb 15, 2015 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3371

Re: Home-visit computer repair options

Is she in one of the retirement communities? If so, have her ask around (there are often residents who do this) or check the newsletter or with the clubhouse.

Alternatively, scrap the PC and get her a chromebook or chromebox for under $200.
by Postmon
Sun Feb 15, 2015 11:45 am
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 957

Re: First Time Dog Owners -- Any Regrets?

Go with a dog rescue and/or a shelter. There are plenty of younger dogs that have been abandoned that need homes. That was our first thought, but as we do our research we're starting to lean toward a breeder. The idea of being a first time dog owner is a bit skittish to begin with so we would want ...
by Postmon
Sun Feb 15, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6126

Re: Rental Car Prices - is this the new normal ?

I've found that the Costco rates seem to bottom out about 2-3 weeks before the rental date and then start jumping up after that.
by Postmon
Sun Feb 15, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 8129

Re: Inherited Mutual Funds: Investing advice

It is probably something about the cost basis I don't understand. This is an example of what I am looking at: On the date of my father's passing, mutual fund FRFCX had a cost basis of 10.16. The market value for this fund on the Jan.30, 2015 statement was 9.83. Hold on! That is not your cost basis....
by Postmon
Sun Feb 15, 2015 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3371

Re: Vanguard or Fidelity

If you're treating all your accounts (2 retirement and 1 brokerage accounts) as one portfolio, you should think about tax-efficient fund placement. You may want to put all your bonds in the retirement accounts. I suggest you read this: https://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund...
by Postmon
Sat Feb 14, 2015 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity
Replies: 30
Views: 3338

Re: Inherited Mutual Funds: Investing advice

Having a higher basis is actually good news for tax purposes. If you're going to simplify and sell the existing funds you'll be able to apply the losses against any gains. But, not sure why you'd see a loss since then.
by Postmon
Sat Feb 14, 2015 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3371

Re: Inherited Mutual Funds: Investing advice

Does Vanguard offer the option to enter the cost basis on your own into their system? I've done it at Fido and it's noted with an asterisk that says something like "customer reported cost basis." If so, I'd recommend that you do that so it's always there.
by Postmon
Sat Feb 14, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3371

Re: Asset allocation 529 plans for 7th and 4th graders

FWIW, bottom of this page has an Asset Allocation by Age chart from Fidelity:

https://www.fidelity.com/529-plans/investment-options
by Postmon
Fri Feb 13, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation 529 plans for 7th and 4th graders
Replies: 11
Views: 1055

Re: Inherited Portfolio...Thoughts?

would it be that much of a hindrance in the portfolio to keep a few individual stocks? the total amount of cash I have on hand right now is about $275,000. Can (should) I invest all of that in VBR? Why would you want to keep the individual stocks? What percentage of the portfolio would they represe...
by Postmon
Wed Feb 11, 2015 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Portfolio...Thoughts?
Replies: 7
Views: 526

Re: Amica auto insurance quote very high?

Does the policy offer a dividend option? If so, that would lower the cost somewhat.
by Postmon
Wed Feb 11, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica auto insurance quote very high?
Replies: 15
Views: 1291

Re: Mom's financial portfolio heading into retirement...

Need to see the specific funds, gains, and expense ratios. She's only in her 50's with a long horizon so it's worth doing the analysis.
by Postmon
Tue Feb 10, 2015 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mom's financial portfolio heading into retirement...
Replies: 8
Views: 899

Re: Which masters is better investment?

When I was hiring, an Ivy degree always stood out......sometimes for the good and sometimes for the bad :twisted:
by Postmon
Tue Feb 10, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Which masters is better investment?
Replies: 18
Views: 1675

Re: bond funds: vfstx vs. vscsx ?

Now with my closer focus on proper AA I want to move cash into bonds. I think of this first step as a learning experience. Eventually, I would be open to placing $200-$250 K in short term and intermediate term bond funds. Not sure how this decision would be a learning experience. I think you may be...
by Postmon
Tue Feb 10, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: bond funds: vfstx vs. vscsx ?
Replies: 13
Views: 1017

Re: bond funds: vfstx vs. vscsx ?

JohnFiscal wrote:which would be "better"? why?


Better? They're different. What would be the purpose of the fund in your portfolio?
by Postmon
Tue Feb 10, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: bond funds: vfstx vs. vscsx ?
Replies: 13
Views: 1017

Re: Mom's financial portfolio heading into retirement...

Could you help me understand (1) whether you think the 60% to 40% representation seems accurate based on these descriptions, and (2) generally speaking, what you think about this portfolio based on these descriptions. Doing a quick back-of-the-envelope, it seems to be somewhere in the 60/40 ballpar...
by Postmon
Tue Feb 10, 2015 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Mom's financial portfolio heading into retirement...
Replies: 8
Views: 899

Re: DH and I are buying bicycles

I won't jump into spending a lot until you're sure you're gonna stick with it. I'd strongly suggest you first go to a real bike shop and try out a hybrid and then an entry level road bike and MAKE SURE THEY FIT YOU. When I say try it out, I mean go for a decent ride on both. This way you'll see the ...
by Postmon
Mon Feb 09, 2015 5:59 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1706

Re: ETF vs. Mutual Funds - Where to put $100K

We are not sure at this point how long the money will "sit". But, when my mom needs it, it will need to be available. I know it's difficult but you need to make some assumptions for planning purposes as to when she may need it and how much. Personally, I would be conservative. What happen...
by Postmon
Sun Feb 08, 2015 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest for 73 year old mom?
Replies: 22
Views: 2739

Re: ETF vs. Mutual Funds - Where to put $100K

I still think you may be putting the cart before the horse. Please see my earlier response and questions. You need to look at the big picture and not just the $100K in isolation.
by Postmon
Sun Feb 08, 2015 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest for 73 year old mom?
Replies: 22
Views: 2739
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