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Re: Partials vs implants

$4500 a piece sounds a bit on the high side for implants. The implants I have had in the last couple of years were $1800 for the implant and abutment, plus $900 for the cap for a total of $2700 each. These were cases where there was no additional bone needed. I am currently getting a couple more imp...
by SpringMan
Sat Apr 12, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2461

Re: How to invest my "Emergency Fund"

Not the way I would do it but if one insists on investing their emergency fund a Roth IRA makes some sense. In an emergency a Roth IRA can be tapped tax free, penalty free up to the amount invested. This would not be true for any capital appreciation the Roth has experienced.
by SpringMan
Thu Apr 10, 2014 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 1938

Re: Time for Internet Explorer 11?

I am primarily a Firefox user but have IE11 installed on my computer. Funny thing about Microsoft, they require internet explorer for things on their website. When I bought my desktop computer it came with Vista and a free upgrade to Win 7. I tied to use Firefox to access the free Win 7 upgrade but ...
by SpringMan
Sun Apr 06, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1139

Re: Windows XP

Most malware problems, Win XP or otherwise, can be avoided by running as an ordinary user account rather than systems administrator account. Keep a sysadmin account for when needed but for general internet usage it is wise to use the ordinary user account.
by SpringMan
Sun Apr 06, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1471

Re: Mutual funds or etf

Here is a link that discusses that from our wiki FAQ.

http://www.bogleheads.org/wiki/Investin ... or_ETFs.3F

In my opinion the mutual fund route is preferential.
by SpringMan
Fri Apr 04, 2014 4:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or etf
Replies: 3
Views: 299

Re: Bailing On Pimco Bond?

I own PIMIX, Pimco Income Institutional. Plan on holding for the foreseeable future. .45% expense ratio is not outrageous. I think Mr. Ivacyn is a better fund manager than Mr. Gross.
by SpringMan
Wed Apr 02, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1962

Re: The Finance Buff uses a Vanguard Planner.

Advisor says " Answer: Keep 1-2 years worth of expenses in cash. Replenish once a year." Why 2 years in cash and replenish once a year?instead of just one year, I'm guessing a bear market If you keep exactly 1 year you will be at zero at year end. One can't estimate that precisely. So may...
by SpringMan
Tue Apr 01, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3599

Re: VSS March Dividend

I am not concerned about the 0 dividend for March. I just wish they would not post that there would be a dividend when it was not the case. Or they could alternatively show the dividend as 0 under the distribution tab for the fund.
by SpringMan
Tue Apr 01, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS March Dividend
Replies: 4
Views: 464

VSS March Dividend

Conflicting Vanguard information on March dividend declaration for VSS. According to this link, https://personal.vanguard.com/us/insights/article/march-dividends-032014 the ETF should have had a March 21, 2014 dividend. It is not showing up in my account or under distributions tab in the fund. Calle...
by SpringMan
Tue Apr 01, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS March Dividend
Replies: 4
Views: 464

Re: The Finance Buff uses a Vanguard Planner.

joe8d wrote:The planner gave good advice. One thing on muni bonds, I would keep them as they become important again when you go into the RMD stage .

Could you elaborate why muni bonds become important once RMDs begin? Muni bond tax free interest is added to income for determining how much SS is taxed.
by SpringMan
Tue Apr 01, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3599

Re: How Many Properties Do You Own?

Three, one is our primary home, second is an undeveloped 7 acres which was from a subdivided farm and third is 80 acres of timber land with a cabin. None are money makers though we have sold timber twice over the 30 years that we have owned the timber land. All are fully paid for. I am first to admi...
by SpringMan
Tue Apr 01, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2161

Re: Purchasing New Tires for Car and Need Suggestions

No affiliation with them but I recommend Belle Tire. They can recommend what is best for your situation. I started using them after they fixed a flat on a tire they did not sell me for free.
by SpringMan
Sun Mar 30, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2009

Re: Windows 8/7

chaz wrote:I like safari on my iPad.

She currently has an iPad which she loves. She wants a laptop to replace her defective laptop not a tablet. Some folks may find a tablet can totally replace a laptop but there are many limitations.
by SpringMan
Sun Mar 30, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4568

Re: Windows 8/7

This weekend, I replaced my 7+/- year old Dell XP with a new Dell with Windows 7. I ordered it direct from Dell. Contrary to my fears it was a piece of cake. The printer driver loaded, the Cisco router just needed a password and it was up and running in part of an afternoon. Set up my Verizon email...
by SpringMan
Sun Mar 30, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4568

Re: Windows 8/7

Thought I would resurrect this old thread now that Win 8.1 is out. Went laptop shopping last week and am a little gun shy of Windows 8. Now it is very hard to find a new Win 7 machine, some refurbished exist on Dell and HP websites business outlets. Would like to hear experiences of early Win 8 adap...
by SpringMan
Sun Mar 30, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4568

Re: Dave Ramsey on Bonds

I disagree with many of Dave's points. The magnitude of the volatility of bonds is much lower than it can be with stocks. Bonds are often not correlated to stocks, that is they zig when stocks zag acting as a ballast. What Dave does with his money is his own business but he can sure do a lot of dama...
by SpringMan
Sat Mar 29, 2014 6:02 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3473

Re: I need a quality lawnmower

I prefer free wheeling gas powered lawn mowers. The self propelled mechanism can fail and then self propelled mowers can be harder to push than free wheeling. We live on 1/3 of an acre. I have a small garden tractor I bought originally to cut some of a 7 acre vacant lot we own. I have given up on ke...
by SpringMan
Sat Mar 22, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 1601

Charles Ellis "Letter to Grandkids"

Forbes article, 12 essential investing guidelines. Sorry if this is a duplicate post.
http://www.forbes.com/sites/investor/20 ... uidelines/
by SpringMan
Fri Mar 21, 2014 6:23 am
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis "Letter to Grandkids"
Replies: 9
Views: 2262

Re: Is Vanguard's portfolio watch tool broken?

No valid excuse IMO, just poorly written software. Why should it matter what firm holds the funds? The OP is even having problems in portfolio watch with Vanguard funds. It always has been buggy. Used to classify Vanguard Precious Metals and Mining funds as 100% domestic, just wrong.
by SpringMan
Mon Mar 17, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1857

Re: Buying it cheap

Recently bought quite a bit of FPMAX, Fidelity's emerging markets index fund. It is only slightly positive since the purchase. Purchased by dollar cost averaging a cash position into it when VWO was having a bad day. It does not track VWO very well on a daily basis, though I think it does track the ...
by SpringMan
Sat Mar 15, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying it cheap
Replies: 9
Views: 926

Re: LED lights currently worth it personal financewise?

I am a big fan of LED flashlights. Prices on home lighting with LEDs are still a bit high IMO.
by SpringMan
Sat Mar 15, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2477

Re: ETF question

Since this investment would be in a taxable account, I had read that ETFs would be preferable over mutual funds as sales in mutual funds can trigger capital gains tax. Considering the mutual funds I would be buying are index funds (such as total stock market), would this even be a concern? My under...
by SpringMan
Fri Mar 14, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF question
Replies: 9
Views: 656

Re: Edward Jones ignores do-not-call lists

AT&T Uverse will display the call on our TV set when we are watching over their cable. I have been caught by solicitors because I was using our Roku box. I agree one should be careful when choosing which calls to ignore. If I see any call has left voice mail, I listen to it and call back if it i...
by SpringMan
Fri Mar 14, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Edward Jones ignores do-not-call lists
Replies: 20
Views: 1545

Re: Favorite gadgets?

Most recently acquired a set of NVX Audio XPT100 head phones to use with my iPod. They are so much better than the Apple ear buds. http://www.amazon.com/NVX-Over-Ear-Headphones-ComfortMax-Cushions/dp/B0093PVTPS Also recently purchased a Roku device. Have not cut the cord but scaled back cable TV to ...
by SpringMan
Wed Mar 12, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 1517

Re: Exchanging VEIPX for VTSMX

Total Stock Market index fund is more tax efficient so it probably makes sense to exchange into it. Had you said VEIPX was in a tax advantaged account my answer may have been different. I would not let expense ratios be the deciding factor.
by SpringMan
Tue Mar 11, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging VEIPX for VTSMX [Equity Income vs. Total Stk Mkt]
Replies: 12
Views: 655

Re: Poll: When did you retire? Would you do it all over agai

Retired twice. At age 52 I was offered an early retirement option from Electronic Data Systems where they sweetened the pot. I took it and then went back to work for Compuware Corporation supporting the same General Motors client I had with EDS. Retired the second time at age 57.5. Second retirement...
by SpringMan
Mon Mar 10, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10665

Re: Customer service - Vanguard vs Fidelity

I have accounts at both. Similar customer service experiences, both OK. What really torqued me off with Fidelity was getting hit with a $50 closeout fee to transfer a Roth from fido to VG. VG doesn't have closeout fees. True, but Fidelity will agree to reimburse you for account closeout fees incurr...
by SpringMan
Mon Mar 10, 2014 4:57 am
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 80
Views: 6538

Re: Extended market index er .14 versus small er .10

Fidelity's extended market index has a lower ER at .07%. Another case where Vanguard is inconsistent is the Large Cap Index which is .10% when Total Market and Index 500 are both .05% ER. When ERs are this low a few basis points does not matter much.
by SpringMan
Sun Mar 09, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extended market index er .14 versus small er .10
Replies: 11
Views: 728

Re: Customer service - Vanguard vs Fidelity

I was asked by a friend on behalf of his father which I would recommend, Fidelity or Vanguard. In questioning him further I found that availability of a brick and mortar office was important to him. Fidelity had such an office in his neighborhood so I recommended Fidelity. For myself I prefer Vangua...
by SpringMan
Sun Mar 09, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 80
Views: 6538

Re: Customer service - Vanguard vs Fidelity

Fidelity has historically had good customer service. Not customer service related but a couple things lately I found objectionable. Fidelity recently sent me unsolicited email advertising life insurance products. Also, a very long and complicated customer survey. The survey of course was optional bu...
by SpringMan
Sat Mar 08, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 80
Views: 6538

Re: How Many Funds Do You Have in Taxable?

4 funds- vss fsivx vfwax vlcax
by SpringMan
Sat Mar 08, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4887

Re: Diversify Fund Families

For passively managed funds there is no reason at all to be worried. They don't hold your assets, some trust companies does. And diversification is determined by what assets you own, not who manages them (again if passive) Larry Absolutely. I caught Adam Bold's Mutual Fund show on the radio today w...
by SpringMan
Sat Mar 08, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Diversify Fund Families
Replies: 32
Views: 1456

Re: My Company's Retirement Seminar. . . What a sham!

Covered calls should not be part of a retirement seminar IMO. They are not even allowed in tax advantaged retirement accounts. Same is true for shorting. There are inverse ETFs that are allowed but that does not make them a good idea. Maybe there is an ETF that uses a covered calls strategy, I don't...
by SpringMan
Tue Mar 04, 2014 9:03 am
 
Forum: Investing - Theory, News & General
Topic: My Company's Retirement Seminar. . . What a sham!
Replies: 15
Views: 2498

Re: Cheap ammo

In the past Walmart was a good resource for ammo. The shortage of rim fire is evident at Walmart. Ditto for Gander Mountain and Dick's. My favorite 22 is my Henry traditonal lever action with the octagon barrel. It never jams like my Marlin semi-auto used to do. Don't own one but the Ruger 10-22 sem...
by SpringMan
Sun Mar 02, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2223

Re: Cheap ammo

22 long rifle ammo is as rare as hens teeth here in Michigan. I don't get it. Maybe survivalists or dooms day preppers are hording them? Frustrating that the cheapest ammo is not available.
by SpringMan
Sun Mar 02, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2223

Re: How Much of Tax Refund Do You Save/Spend..??

What is a tax refund? :) I have been converting $20K per year from tIRA to Roth IRA with no withholding in the amount converted. Bumped other withholding on SS and pension to compensate but apparently not enough. Close though, only owe about a grand to the IRS.
by SpringMan
Sun Mar 02, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2413

Re: Why the love for target date funds?

This is exactly what I keep thinking about as I have landed a full-time job with a 401k. I am 23 and I am unsure whether to pick some sort of target date fund, and index fund, or a growth fund. I ned to be pretty aggressive as I am very young but I'm just not sure which to pick. I know I want to be...
by SpringMan
Sun Mar 02, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3644

Re: Why the love for target date funds?

Not all target date funds are created equal. Some companies use active management for the sub-funds. Some companies even pass through the expense ratios of the sub-funds in addition to the expense ratio of the target date fund. Vanguard's target date funds are excellent and don't do anything like th...
by SpringMan
Sun Mar 02, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3644

Re: Avoiding VNQ due to interest rate [Vanguard REIT]

+1 on livesoft's thoughts. We hold FSRVX, Fidelity's Spartan Real Estate Advantage fund, which tracks VNQ pretty well.
by SpringMan
Fri Feb 28, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding VNQ due to interest rate [Vanguard REIT]
Replies: 24
Views: 1727

Re: Best Stereo Headphones under $100

I got to try out the NVX Audio XPT100s and really like them. They come with a long cord and a short cord and an extra set of pads. Ordered from Amazon for $80. I do want to thank everyone for their suggestions.
by SpringMan
Thu Feb 27, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Will VSS, VNQI ER Estimates Be Lowered Soon? [Yes]

I am puzzled why Large Cap index admiral, VLCAX, is still .10% when Total Market index and S&P 500 index admiral funds are half as much, .05%. I did a tax loss harvest back in 2009 which resulted in a heavy investment in VLCAX. Not that .1% ER is expensive.
by SpringMan
Thu Feb 27, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Will VSS, VNQI ER Estimates Be Lowered Soon? [Yes]
Replies: 23
Views: 2276

Re: Transamerica 401k

The way I found out was to put some money in the stable value option and monitor it. Once a month the stable value fund would drop in value. I called them and asked why this was happening and was told that is when the fees were deducted. Our Transamerica 401k allowed an in service rollover at age 59...
by SpringMan
Wed Feb 26, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401k
Replies: 2
Views: 262

Re: Roku - Does everything cost $$?

Everything that's normally free online (abc.com, nbc.com,fox.com etc) Roku is an aggregator media server with dvr capabilities not a content provider. Almost all of this is incorrect, as far as I'm aware. I suspect that you've never owned or used a Roku. Nothing about SHB's post is incorrect, Roku ...
by SpringMan
Wed Feb 26, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 22
Views: 2697

Re: Best Stereo Headphones under $100

I 10th Grado . Especially if you're using it with mobile devices, which generally have weak outputs. The Grado's are lower ohm and thus sound louder on cheapo devices. I'd second Sennheiser . Bose if you must. Everything else is just marketing. Looks like most Grado headphones are 32 ohms. The NVX ...
by SpringMan
Tue Feb 25, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Best Stereo Headphones under $100

I recently did the same search and found these for under $10. http://www.amazon.com/gp/product/B003ELYQJI/ref=oh_details_o01_s00_i00?ie=UTF8&psc=1 Note over 9600 reviews and an average rating of 4.4. Multiple colors, three sizes of ear covers and best of all a great sound. They more than meet m...
by SpringMan
Mon Feb 24, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Medicare coinsurance increase with ACA???

My Medigap (BC/BS Plan C) did not increase but my Part D drug insurance did modestly. Is there a possibility your father's income increased? Higher income can result in higher premiums for Part D.
by SpringMan
Mon Feb 24, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1184

Re: Vanguard Sector Funds in Taxable?

Vanguard has many index sector funds. Many require 100K minimum but they are also available as ETFs. Their tax efficiency will vary depending on things like style box, dividends and cap gains distributions etc. Tax efficiency will depend on which sector.
by SpringMan
Mon Feb 24, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 938

Re: Best Stereo Headphones under $100

I discovered, when I bought what turned out to be counterfeit MDR 7506 off ebay, that these items are faked frequently, so buyer beware! How could you tell they were counterfeit? How much less than regular retail did you pay for them? Thanks, Jim http://forums.stevehoffman.tv/threads/genuine-vs-fak...
by SpringMan
Mon Feb 24, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Best Stereo Headphones under $100

Thanks everyone. Lots of choices, I need to find a brick and mortar place to take a test drive. My local Best Buy did not have many choices. Reading Amazon reviews make it difficult, there are always some unhappy customers that pan any product.
by SpringMan
Mon Feb 24, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Best Stereo Headphones under $100

head-fi.org is a great site for headphone research, thanks for the link.
by SpringMan
Mon Feb 24, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712
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