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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: 3448

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: 3448

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: 6640

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: 4738

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: 4738

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: 629

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: 418

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: 4738

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: 6231

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: 3060

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: 1042

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: 1042

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: 5904

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: 3165

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: 838

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: 3060

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: 3060

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: 838

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: 5904

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: 7815

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: 3060

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: 3165

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: 3060

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: 3060

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: 993

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: 509

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: 1246

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: 886

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: 1651

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: 983

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: 983

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: 886

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: 1590

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: 2666

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: 2666

Re: Worth Upgrading to LED Lighting?

They're great for my outdoor lights that are on from dusk to dawn. No longer have to bring out the ladder every few months to replace them.
by Postmon
Sun Feb 08, 2015 8:13 am
 
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 45
Views: 3459

Re: Inherited Mutual Funds: Investing advice

No I don't. Was the advisor supposed to have provided this once the cost basis was updated? I don't think he's supposed to, but it's something you'll need. Definitely get that info before you sell anything. We had a similar situation -- after we sold, the adviser won't return my calls and it was li...
by Postmon
Sat Feb 07, 2015 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3060

Re: Inherited Mutual Funds: Investing advice

My CPA advised that the cost basis be updated to the day of my father's death. I was assured by the fund advisor that this was done when the portfolio was transferred into my name. Yes, but do you have the actual documents in-hand that show your cost basis? May be difficult to get from the adviser ...
by Postmon
Sat Feb 07, 2015 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3060

Re: Inherited Mutual Funds: Investing advice

cherijoh wrote:Maybe I'm missing something, but the tax form for the sale of assets will show the number of shares.


It will show the number of shares at the time of the sale. But, the number of shares for the cost basis calculation could be less if the distributions were reinvested.
by Postmon
Sat Feb 07, 2015 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3060

Re: Inherited Mutual Funds: Investing advice

Before you sell all those funds, make sure you have the cost basis for each one on the day of your father's death. You'll need to know the number of shares and the price on that day for tax purposes. If you don't have the info now, I would get it from the broker before you pull the trigger.
by Postmon
Sat Feb 07, 2015 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3060

Re: First Time Dog Owners -- Any Regrets?

Just wanted to thank everyone for all your input. Lots of things to think about before moving forward. As some of you suggested, a trial with a shelter dog makes a lot of sense. In fact, before we do that, we'd like to volunteer at a shelter just to get our feet wet. Then, if we're still interested,...
by Postmon
Sat Feb 07, 2015 9:07 am
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5904

Re: Private Car Sale - Risks ?

Meg77 wrote:The other guy even mailed my husband back his license plate after going to get the car registered afterward.


Would not recommend letting a stranger drive off with my license plates still on. :shock:
by Postmon
Fri Feb 06, 2015 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1826

Re: Vanguard Total Bond - Not reccomended by Swedroe??

I struggled with this as well and went with 70% Intermediate Term Treasuries and 30% Short Term Corporates (VCSH). This keeps the corporates short and relatively high-quality (as recommended by Larry) and gives me an overall duration of about 5 years.
by Postmon
Fri Feb 06, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 23
Views: 3752

Re: Best Small Cap Value Funds

JohnnyFive wrote:You missed what is widely considered (at least in these circles) the single BEST domestic small cap value fund...PXSV.


What makes PXSV the best?
by Postmon
Fri Feb 06, 2015 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4244

Re: Private Car Sale - Risks ?

Similar to the old days of putting an ad in the classified section of the newspaper. For CL, I always say the buyer must provide his full name and phone number if they want me to respond. That seems to help identify the serious buyers. Also, I then google the name/phone which sometimes provides some...
by Postmon
Fri Feb 06, 2015 9:18 am
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1826

Re: Advice on Selling Car with Manual Transmission?

Before posting on Craigslist, take it to CarMax and have them give you a price. That way you'll have a better idea what you should sell it for. Then, if you don't have luck with Craigslist, you can always bring it back to CarMax and sell it to them. I've had extremely good experiences using that pro...
by Postmon
Thu Feb 05, 2015 8:45 am
 
Forum: Personal Consumer Issues
Topic: Advice on Selling Car with Manual Transmission?
Replies: 30
Views: 2315

Re: Tips/help with investing to buy beach house ;)

What's your reasoning for selecting the funds/stocks in taxable? Lots of individual stocks and sectors that are not very bogleheadish. Suggest you read up on lazy portfolios as suggested above. For emergency fund, LT New York Munis are too risky. And, why muni's on a $60K salary? How soon are you pl...
by Postmon
Wed Feb 04, 2015 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips/help with investing to buy beach house ;)
Replies: 2
Views: 537

Re: What online company to use?

spareparts wrote:It's doubled over the last 4 yrs or so and has weekly, almost daily, gains or drops of +/-5-10%.


Rule #1: Past performance doesn't predict future returns.
by Postmon
Wed Feb 04, 2015 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What [day trading platform] to use?
Replies: 32
Views: 2131

Re: What online company to use?

spareparts wrote:Here to learn.


About what? Investing or gambling? :?
by Postmon
Wed Feb 04, 2015 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What [day trading platform] to use?
Replies: 32
Views: 2131

Re: TD Ameritrade Ultimate Buy and Hold

From a practical perspective, I too believe it's unnecessarily complex. However, since it sounds like you're young and interested in this approach, I say go for it. This will be a great way for you to learn first-hand about all the things you've been reading about here. Since it's in a Roth and you ...
by Postmon
Wed Feb 04, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Ultimate Buy and Hold
Replies: 15
Views: 1524
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