Search found 86 matches

Return to advanced search

Re: Michael Lewis puts his money into Vanguard index funds

Now, without access to the actual interview, it's not clear that Lewis's decision to invest in index funds and Berkshire Hathaway has anything directly to do with his views on market transactions and any additional frictions caused by high-frequency trading. The context was Lewis declaring that he ...
by Timoneer
Mon Mar 23, 2015 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Michael Lewis puts his money into Vanguard index funds
Replies: 12
Views: 3086

Re: Power Vent Gas Hot Water Tank - Thoughts?

We have had one of these water heaters. No problems at all. It is a little noisy. It is in the basement so it is not a problem. Yes, when power goes out, you can not heat the water. But if you have a generator you can use it to run the fan as well as other things. And as stated above, the water wil...
by Timoneer
Tue Feb 17, 2015 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Power Vent Gas Hot Water Tank - Thoughts?
Replies: 7
Views: 464

Re: Power Vent Gas Hot Water Tank - Thoughts?

So, opinions/experiences with power vent gas hot water tanks appreciated! Due to venting problems, we converted our gas HW heater to a power vent last year. Initial installation is a lot costlier than a standard heater. With the running of a new vent outlet through the side wall, expect to pay abou...
by Timoneer
Tue Feb 17, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: Power Vent Gas Hot Water Tank - Thoughts?
Replies: 7
Views: 464

Re: Boston Must See Sites and Bites

Depending on how far I get on the Freedom Trail tour the first day, I have thought about taking the shuttle boat to the Constitution and doing the remainder of the Freedom trail backwards the second day. Plus having grown up landlocked my whole life, I like to get out on the ocean, even in a bay, w...
by Timoneer
Mon Feb 09, 2015 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2447

Re: Boston Must See Sites and Bites

Thanks everyone for their wonderful suggestions. I will be there April 27 through May 1 and fly out May 2. A few people have mentioned the USS Constitution, which is definitely worth visiting given your interest in history. You should note, though, that very close to the Constitution is a World War...
by Timoneer
Mon Feb 09, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2447

Re: Master Thread for Boston's Chapter (MA)

I expect to be there, if it ever stops snowing. Timoneer Back to the running list... Starting from the post where I described the date (Feb 28th) & restaurant being selected: http://www.bogleheads.org/forum/posting%20...%20#pr2345192 Current running list: siamond mikef40320 zelda marielake bh10 ...
by Timoneer
Sat Feb 07, 2015 2:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 84
Views: 6104

Re: Difference between an "exemption" and a "deduction?"

Being over 65 is no longer an exemption issue, though I think it was years ago. Nowadays we moldy oldies no longer get an extra exemption, but instead get an increment in the standard deduction. But for folks like me with much higher schedule A itemized deductions, we get NOTHING for being over 65....
by Timoneer
Sat Feb 07, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Difference between an "exemption" and a "deduction?"
Replies: 11
Views: 773

Re: Master Thread for Boston's Chapter (MA)

No offense to my fellow Bogleheads, but I would much rather spend Feb 14 with my wife.
Any of the other Feb dates are fine with me.

Timoneer
by Timoneer
Thu Dec 11, 2014 4:25 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 84
Views: 6104

Re: Retirement around the corner, seeking advice on getting

...ran a couple of projections using TIA equity and bond funds. I neither believed nor understood the results; they showed I had over $1M at 94. I think I will schedule another appointment and focus on the traditional annuity funds. Why the disbelief? Your pension at 65 will cover a large portion o...
by Timoneer
Mon Nov 24, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 32
Views: 4186

Re: Retirement around the corner, seeking advice on getting

... 3. Should I move funds for bond allocation into TIA-cref? Currently earning 3.74% in traditional annuity and new funds are guaranteed at 3%. Any opinions as to whether this would be a better choice than a bond index fund? Everything I read here about the future of bonds, makes me this might be ...
by Timoneer
Sun Nov 23, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 32
Views: 4186

Re: Questions on bond funds in taxable

Hi all, I'm helping my parents plan their portfolio, and had a few questions. 1. With their limited tax advantaged space, they need to put nearly $250k of bonds in taxable space. What bond fund makes the most sense in taxable ? I've heard talk of just using the regular old Total Bond Fund, some hav...
by Timoneer
Wed Oct 29, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on bond funds in taxable
Replies: 22
Views: 1850

Re: Bogle and dry powder

I agree with others that “anchor to windward” refers to stabilizing your ship in a storm and perhaps keeping it from running aground. That’s good advice for investing in the stock market, too, which does have some pretty rough weather. . As for "dry powder" the saying to the effect of “Tr...
by Timoneer
Thu Oct 23, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 5200

Re: LED Flashlights

I like the free 27 LED flashlight from Harbor Freight Tools. Bright, has a hook to loop on belt and a small powerful magnet to attach to metal surface. Battery lasts a long time. I was surprised that it took this long for someone on the BH forum to mention the LED flashlights that Harbor Freight gi...
by Timoneer
Thu Oct 02, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 4108

Re: Do I need to send in estimated tax????

So, could I just electronically send in the $2k I estimate our tax to be this year? In essence, paid the full tax bill in one fell swoop? Unfortunately, not. The IRS takes a dim view of backloading your estimated tax payments to the end of the year. If you have had uniform income throughout the yea...
by Timoneer
Fri Sep 19, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2161

Re: Fidelity Charitable Fund Questions

Another user of Fido's DAF here. It's been pointed out, and worth remembering, that you pay 0.6% in addition to underlying fund costs on these accounts. So not a good idea to store money there long term. If you are also a Fido brokerage customer they will sometimes waive this fee. I haven't figured...
by Timoneer
Tue Aug 26, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 36
Views: 2822

Re: Do you tip on the tax?

I base my tip on the food/drink portion of the bill, usually rounding up to an even number.
I would only tip on the tax if I felt that the state tax collectors had provided better than average service during the meal, and if there was a way to insure that the extra tip would reach those responsible.
by Timoneer
Fri Aug 22, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5954

Re: Power vent water heater noise

Mine is comparable to a bathroom exhaust fan. I have 2 bathroom fans: one is so quiet you can barely hear it, one is loud enough to hear 25 feet away. Which one is your closer too? It is moderately loud within the confines of a small bathroom, and quite noticeable in nearby rooms if the door is lef...
by Timoneer
Sat Aug 02, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 1243

Re: Power vent water heater noise

I'm thinking of replacing my old water heater. One way to make the replacement code compliant is by installing a power vent water heater. Since this is going to be inside the house (not the garage), I'm worried that the power vent noise might be quite annoying. I couldn't find noise levels specifie...
by Timoneer
Fri Aug 01, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 1243

Re: Central AC replacement decision

Our Trane unit is 23 years old and still uses Freon. We have it serviced annually and it works just fine, but when the HVAC service guy was here today, he noted its age and the fact that it is statistically overdue for replacement. We have had an exceptionally mild and comfortable summer and as a r...
by Timoneer
Fri Aug 01, 2014 6:49 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 4671

Re: Surge protectors

So here is what is probably happening in the OP's case. The circuit for the blender probably has other appliances on it that are running at the same time. It isn't right, but not uncommon for the refrigerator, for example, to be on the same circuit. So at around 45 seconds, the combination of appli...
by Timoneer
Wed Jul 30, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4009

Re: Surge protectors

Frankly, this is a bunch of pseudo-electrical gobbledegook. ...Nobody said that [the blender can only be operated for 15 seconds at a time]... There is no evidence that the blender overheats in 45 seconds....GFCI's should not be affected by inductive loads or "spikes" when turning on or o...
by Timoneer
Wed Jul 30, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4009

Re: Surge protectors

There is nothing unusual about the power rating of this blender. It is 1500 watts which is less than the typical counter-top microwave, toaster oven or hair dryer. It should operate fine on a typical 15 amp circuit assuming there are no other high power devices on the same circuit operating at the ...
by Timoneer
Wed Jul 30, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4009

Re: Surge protectors

That's correct. Here is the thing: it's a brand new top of the line Ninja Ultima blender from Bed Bath and Beyond. It costs about $300. As stated in my original post - it happened twice. But the first time it happened, I exchanged it at the store and they gave me another one. But the same thing hap...
by Timoneer
Mon Jul 28, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4009

Re: Surge protectors

Kitchen outlets in newer or remodeled homes use Ground Fault Interrupt outlets. These outlets have test and reset buttons on the outlet. The GFI breaker in one outlet can control several others. You might check and see it the outlets you are using are GFI and, if so, reset the outlet breaker. Check...
by Timoneer
Sun Jul 27, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 4009

Re: Boston or south Boston chapter

There is just a slight chance that I will be able to attend for lunch, but I will throw out a few alternatives for the Burlington area: Not Your Average Joes, in Wayside Common. This is just off Exit 33 of 95, one exit north/east of the Burlington Mall. http://www.notyouraveragejoes.com/burlington/ ...
by Timoneer
Wed Jun 18, 2014 2:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 4765

Re: Purchasing IPad and need advice

I greatly prefer the iPad mini for travel, because of weight and size. The 16GB version is more than adequate for all of my travel needs, such as maps, airlines, Kayak, Yelp, Opentable, etc. I would only need 32GB if I wanted to store several full length movies. Only the cellular model has built in ...
by Timoneer
Sun May 04, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 2069

Re: Donor Advised Funds

The main differences I found when I opened my account in February were: Fidelity Charitable: minimum initial contribution $5k, subsequent grant $1K, minimum grant $50 I recently opened a Fidelity DAF, and my understanding is that there is no minimum on subsequent contributions. The only minimum tha...
by Timoneer
Tue Mar 25, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 3348

Re: H&R Block instead of 2013 TurboTax

I notice that you switched from TT online to HRB desktop. Note that the TT desktop version supports all forms; it's only the online versions that require upgrading to do what you needed to do. Kevin Yes, I realize that it is an apples and oranges comparison, in part because TT created a confusing d...
by Timoneer
Sun Mar 02, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 35876

Re: 2013 TurboTax: Which Product? New Rules?

HRB did have the M-2210 form, but it told me that I also had to fill out the supporting worksheet M-2210A which it did not support. I was directed to the state website to download it and fill it out manually. This proved to be a perverse form, created by a devious sadistic mind. Dozens of numbers t...
by Timoneer
Sun Mar 02, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 35876

H&R Block instead of 2013 TurboTax

I am one of those former TurboTax users who has been annoyed by TT's marketing decisions regarding this year's software. For years I have been content using the Deluxe on-line version. This year, I find that I must upgrade from Deluxe to Premier just to report Schedule D. Because I have simple Sched...
by Timoneer
Sun Mar 02, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 35876

Re: Meeting with Fidelity

You can save a lot of money by just following the Boglehead passive investing approach. Of course active management is very valuable... but for the providers, not the clients. Note: I have accounts at Fidelity and am pleased overall with their customer service. But I don't take any advice from them...
by Timoneer
Fri Feb 28, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with Fidelity [Financial Advisor]
Replies: 42
Views: 6305

Turbotax and Schedule C

I have previously used TT Deluxe for many years, and it has been perfectly adequate for handling investments and some simple Schedule C income. Because there is some depreciation of computer equipment involved, I must file a Form 4562 and cannot use the simpler Sched C/EZ. Now I have read the length...
by Timoneer
Fri Feb 14, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax and Schedule C
Replies: 4
Views: 343

Re: TIAA Real Estate and asset allocation -- REIT? Bond?

OK, I am ready to cash out and roll this TREA money over to an IRA....! You need to call TIAA-CREF to remove money from the TREA, all or in part (but only one withdrawal per quarter is allowed, regardless of amount). This can NOT be done "online". Then put it in your TIAA/CREF money marke...
by Timoneer
Sun Feb 02, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: TIAA Real Estate and asset allocation -- REIT? Bond?
Replies: 64
Views: 4202

Re: "Own the haystack"

The CPT demonstrates the futility of trying to time the market. It also demonstrates the benefit of investing in the total market. Last year, I went to a seminar conducted by a major investment institution (there was a free dinner involved). One of the first slides put up at the beginning of the pr...
by Timoneer
Sat Jan 11, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table updated for 2012
Replies: 42
Views: 6267

Re: Qualified vs Non-qualified Dividends

Thanks Geologist and others who have opined. I think you're right that Fidelity will eventually reclassify non-qualified dividends as qualified for those hold >61 days and initially plays it safely by listing dividends as non-qualified. I prefer the Vanguard method of disclosure but will be patient...
by Timoneer
Tue Jan 07, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Qualified vs Non-qualified Dividends
Replies: 22
Views: 2487

Re: pension--lump sum or annuity?

I apologize for not responding earlier. I am the OP. let me answer your questions first. 1. My firm is a major international Pharma company. 2. My pension is not inflation adjusted 3. My SS is $1750/mo and my wife's is $650/mo. 4. My savings are indexed fund invested at close to 50% equity/50% fixe...
by Timoneer
Thu Jan 02, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension---lump sum or annuity?
Replies: 46
Views: 3977

Re: Penison--lump sum or annuity?

How would the lump sum option be taxed?
by Timoneer
Thu Jan 02, 2014 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension---lump sum or annuity?
Replies: 46
Views: 3977

Re: Year-end update: What are TREA Market Timers thinking?

Are any of you TREA market timers thinking about making some trades? Thanks! I am a lazy timer. I have no interest or confidence in my ability to predict when the peak may occur. I do have confidence that I will have many weeks to act after the inevitable decline begins, with the consequence of onl...
by Timoneer
Thu Dec 26, 2013 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account, bond-like or Madoff-like?
Replies: 79
Views: 8623

Re: iPad Air info please

Thinking of buying an iPad Air this weekend. Not interested in any other tablet so would appreciate keeping the focus on the iPad. We have wireless at home and we have iPhones with cellular plan thru ATT and not changing carrier. For the iPad I keep debating: storage space 16GB or 32? WiFi only or ...
by Timoneer
Thu Dec 26, 2013 9:24 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air info please
Replies: 35
Views: 2086

Re: Qualified vs Non-qualified Dividends

Thanks, Geist and Sydney. I'm glad to hear taxation of dividends remains unchanged in 2013 relative to 2012, and I think the status on these dividends from an equity index mutual fund offered from Fidelity will end up being qualified rather than non-qualified, despite the current misleading descrip...
by Timoneer
Wed Dec 25, 2013 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Qualified vs Non-qualified Dividends
Replies: 22
Views: 2487

Re: New ibond rates for nov 2013

If you setup an order for 10/31 do you get that date or does it take a day or two to clear? I had set up an order in advance for today (10/29). The funds were withdrawn from my bank this morning, and checking my Treasury Direct acct, I see that the new Ibond is already registered, with an effective...
by Timoneer
Tue Oct 29, 2013 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8233

Re: DCA on Down Days?

There are threads on here which talk about why dollar cost averaging is *not* better (on average) than just investing it all in one step, at least, when you remove emotion. For emotional reasons, people might feel better with DCA, but research shows it does not give better results. Search for these...
by Timoneer
Fri Oct 25, 2013 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA on Down Days?
Replies: 27
Views: 1821

Re: [Poll] Math question for Bogleheads

What is the value of X?

Ten
by Timoneer
Mon Sep 30, 2013 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Math question for Bogleheads
Replies: 39
Views: 1646

Re: Speaker Jumper Cables

I decided to puzzle over the gold vs. silver and just used some decent speaker wire I had around. The sound is much better, They didn't come with the jumper, and whatever I had done shook loose during a recent move. The speakers are a wonder: http://www.soundstage.com/revequip/silverline_sonatina.h...
by Timoneer
Sat Sep 14, 2013 8:35 am
 
Forum: Personal Consumer Issues
Topic: Speaker Jumper Cables
Replies: 19
Views: 1487

Re: Central Air Sizing Question - Buying a Condo

During the walkthrough today, cooling performance was very poor in my (amateur) opinion. The outdoor temperature was about 82, and the thermostat had been set to 80. I set the thermostat to 70 and it took 25 minutes to cool 1 degree. It took about 3 hours running constantly to cool 6 degrees to 74....
by Timoneer
Sat Jul 27, 2013 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Central Air Sizing Question - Buying a Condo
Replies: 17
Views: 1347

Re: Wrist Watches

Not too many decades ago, the selling point of expensive watch brands was their precision. A cheap watch was a lousy timekeeper. You had to spend a lot to get a watch that kept very accurate time. Now, almost every watch keeps fantastic time. The cheap $10.88 ones at Walmart are every bit as good ti...
by Timoneer
Sat Jul 13, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 7899

Re: Choosing a Fidelity account executive

Thanks for all your responses. I should clarify that I am not looking to my acct exec to manage my investments. I get my investment advice from Bogleheads, and I am happily set up with low ER Spartan index funds. But since Fidelity will provide me with an acct exec for free, I might as well take adv...
by Timoneer
Fri Jul 12, 2013 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a Fidelity account executive
Replies: 13
Views: 1086

Choosing a Fidelity account executive

My account executive at Fidelity has left the firm, and I am wondering how I should go about choosing a successor. The fellow the branch office chose for me initially is a 20-something barely out of school. I'd like to know what other Bogleheads would choose as a filtering criteria. I would also app...
by Timoneer
Thu Jul 11, 2013 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a Fidelity account executive
Replies: 13
Views: 1086

Re: Of moons and memes

A "supermoon" happens every fourteen months . I've never heard it called that before, and I don't believe I've noticed big mainstream news items about before. "Supermoon" is a great meme and it's been spreading like wildfire. Its popular use in mainstream media is only two years...
by Timoneer
Sun Jun 23, 2013 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Of moons and memes
Replies: 10
Views: 787
Next

Return to advanced search