Search found 913 matches

by bru
Sat Aug 29, 2015 5:44 pm
Forum: Personal Consumer Issues
Topic: When a computer crash is worthy
Replies: 6
Views: 895

Re: When a computer crash is worthy

Forget about missing the market's gyrations, what about practically everything else that requires the internet? I know when ours goes down it seems as if almost everything stops. Sad, but true. Not sure how I would handle a day without internet, let alone a week.
by bru
Mon Aug 24, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1755

Re: Vanguard doesn't allow dividends to Prime MM?

To note, a Prime Money Market Settlement Fund does not require a balance at any time. You can set dividends to go there even if the balance is zero. A regular Prime Money Market fund that is not a Settlement Fund requires a $3,000 minimum to start and then a balance must be maintained for it to rec...
by bru
Sat Aug 22, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8669

Re: How long will you"Stay the Course"?

The older folks here, the ones who have been through it all for 30, 35, or 40 years, and we have seen losses go as high as 40%-50%, When? In what timeframe and what indexes are you referring to? The NASDAQ dropped ~78% from 2000 to 2001. The Dow dropped ~37% in 1987. In 1929 the market dropped ~40%...
by bru
Fri Aug 21, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

I don't know how they could let you buy after market closing at the closing price. Stocks continue to trade after hours so that would be a major arbitrage opportunity. I agree and as I was posting I knew it wouldn't make sense but I guess because I submitted the transaction before closing (by telli...
by bru
Fri Aug 21, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

I did put some money in today. But when I did the transaction it brought up a question maybe someone here could answer. Normally I do my transactions online but today I ended up having to speak to a Flagship rep and he placed my transaction. He read the usual, "do you want to proceed", etc...
by bru
Thu Aug 20, 2015 9:50 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

So after reading these posts it seems those who took advantage and bought on the dip (I would of as well but did not have computer access) don't view it as a RGB but a "buying opportunity". Semantics, I think. RGB = Relatively Good Buy :happy Yikes. That was quite the typo. But maybe I cr...
by bru
Thu Aug 20, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

So after reading these posts it seems those who took advantage and bought on the dip (I would of as well but did not have computer access) don't view it as a RGB but a "buying opportunity". Semantics, I think.
by bru
Tue Aug 18, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29459

Re: Free Windows 10 Upgrade, Yes or No?

I used the USB "run setup" method to do a non-clean install on four computers. Only my latest, a Acer laptop running 8.1, gave me any problems. That's interesting, because I had no problems with my Acer laptop running 8.1. :D (It's an Aspire M5-481PT with a touch screen.) Interesting to m...
by bru
Tue Aug 18, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29459

Re: Free Windows 10 Upgrade, Yes or No?

Haven't read through all the posts yet but wondering if people are doing "non-clean" or "clean" installs? Maybe my terminology isn't correct but what I mean is if you use Windows Update and the GWX icon/reservation you are doing a "non-clean" install. If you are doing a...
by bru
Wed Jul 22, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 11182

Re: How do people afford children with a SAHM?

$85,000 would put you ahead of~75% of all other wage earners in the USA. If you cannot afford now, then when? Ahead of 80%? 90%? More? Point is, people of significantly less means successfully pro-create. You can too provided that is a priority and you are willing to sacrifice. Also, don't forget t...
by bru
Fri Jul 17, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4917

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Less than everyone would lead you to believe you need. Think twice about every purchase. Unless you have space to store, have a friend or relative to give it to, have the initiative to get rid of it in a garage sale, etc. nearly everything you buy will serve its purpose for only a short time but wil...
by bru
Mon Jul 06, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1706

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

Anyway, bond funds aren't supposed to appreciate long term; the growth is from the interest payments, not capital gains. The average return figures quoted are for total return. Dividends pretty much cancel out the loss so after roughly 4 years of ownership I am even. I have to assume Vanguard is ca...
by bru
Mon Jul 06, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1706

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

I already own Inter-Term Bond Index in another account so I think I am going to use that in this other account. I should be more well versed in Bond funds but they confuse me. Looking at VBILX, I've owned it since 2011 but I have a capital loss. Yet it has a 2.23% and 4.57% avg return for 3 and 5 ye...
by bru
Tue Jun 30, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6862

Re: Unknown phone calls

NOMOROBO type nomorobo into your web browser and sign up for the best way I have found to stop robo-calls. Note this does not work for all customers, so read the notes. I get few calls now, but they still show up some times. I do miss Rachel from card services :wink: Another vote for NOMOROBO. I fi...
by bru
Tue Jun 30, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1706

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

Need a bond fund in taxable to put in some cash that is sitting in MMF. Intermediate term seems right. I imagine either one will be suitable.
by bru
Mon Jun 29, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1706

Intermediate Term Bond Funds Index vs. Investment-Grade

Reading the current Kiplinger's and they talk about Investment-Grade bond funds and how they yield more than Treasuries of comparable maturity but carry only slightly more risk. I see no reason to go straight Treasury which does have a significantly lower yield so I am looking at VG Inter-Term Bond ...
by bru
Mon Jun 29, 2015 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 3098

Re: Discover card 2X cash back

This was posted on the deals sites at the end of May. I know many here spend time on those sites as well, if you don't you should. The problem with this offer, which I was able to obtain with a simple phone call in May, is that there is no documentation. Some people were promised email confirmation ...
by bru
Sun May 31, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 45
Views: 7707

Re: Question about Citi Double Cash Card

When I switched from Citi Dividend to Citi Double Cash my credit limit remained the same, $9800. For my Chase Freedom my limit is $12100 and for Discover IT, $9000, so not really out of line. I never really think much about credit limits on any of my cards as I don't get anywhere near it but being t...
by bru
Tue May 19, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1933

Re: Malwarebytes Anti-Exploit

People are commenting about Malwarebytes Anti-Malware when the question was about Malwarebytes Anti-Exploit. Two different programs. Anti-Exploit is specifically for browsers. Popular software programs contain millions of lines of code. Bad guys exploit flaws (vulnerabilities) in the code to deliver...
by bru
Fri Apr 17, 2015 11:10 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 14584

Re: John Bogle's Don't Peek Challenge

I can go days without looking at my accounts. Usually on the down days I don't bother looking. A day or two or three later when there is an up day I will check in. I have to think Mr. Bogle was being tongue-in-cheek when he said not to look until retirement.
by bru
Fri Apr 10, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5265

Re: making the switch to Ally Bank

First open an account at Ally and after that has been done you go to Vanguard and click on "banking instructions/information" which should be in the lower right of the page and that is where you add your link to your new Ally Bank account. In the upper right hand corner of that page there...
by bru
Thu Apr 09, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5265

Re: making the switch to Ally Bank

Twice i have asked a fairly simple/basic question related to opening an Ally account but no one has answered it. I thought it might be something others would be interested in knowing too.
by bru
Wed Apr 08, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5265

Re: making the switch to Ally Bank

Vanguard (and the IRS, for that matter) accept an Ally account like any other, using routing and account numbers. So you can transfer between Ally and Vanguard. Makes sense but I assume this is once the Ally account is established. Is it possible to open the Ally account by transferring from Vangua...
by bru
Wed Apr 08, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5265

Re: making the switch to Ally Bank

No gotchas. Been there for years since Prime MMF's yield went to pot. I have too much cash sitting in Prime MMF and really need to move it some place else. What is the best way to use it to open an Ally savings account? I don't think I can transfer from Vanguard. So first to my local bank, where I ...
by bru
Mon Mar 30, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 5229

Re: How long do sofas really last

For all the people that say they use their sofa a few minutes a day or similar, what are you doing? Standing up the eight or so hours you are home? Or is it not your daily driver? FWIW I bought my sleeper sofa/reclining loveseat/corner table unit from Montgomery Ward's in 1988. Still using it daily....
by bru
Wed Mar 25, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 16030

Re: Restaurant tipping

I used to always round up to an even amount. Generally close to or slightly exceeding 20%. Now I usually do 20%. Pre-tax and always on a credit card. I can be quite intolerant of bad service but I never recall leaving nothing. Better to tell the manager/owner about the issue. We don't eat out very o...
by bru
Mon Mar 23, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 2351

Re: Convince a Newly Converted Boglehead to sell AAPL shares

I certainly hope the OP makes the decision that is right for him or her whether that means keeping all, some or none. I own AAPL. Not enough for it to be life changing like sambb but I won't complain about its performance. Even after a 700% gain it represents about 3.5% of my portfolio. Once in a wh...
by bru
Tue Mar 10, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 6466

Re: Just cut my cable bill...

vitaflo wrote:
Humans are very adaptable. They don't need all the things they think they need. Especially entertainment.

Entertainment, noun. Something that amuses, pleases, or diverts, especially a performance or show.

Yep, humans don't need that.
by bru
Mon Mar 02, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 40
Views: 8592

Re: 2015 Honda CR-V vibration problems

ABC7 news http://api.viglink.com/api/click?format=go&jsonp=vglnk_14253206930817&key=e0f4d5b76756fc288c9c1e5986e97af4&libId=i6s74q6x01000b4v000DA6w2lmsez&loc=http%3A%2F%2Fwww.crvownersclub.com%2Fforums%2F14-problems-issues%2F63138-2015-honda-cr-v-vibration-idle-69.html&v=1&ou...
by bru
Sun Mar 01, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Old car insurance
Replies: 39
Views: 3673

Re: Old car insurance

Do not look at a sample size of 1 person for 1 year. Actuaries price the policy based on location, gender, driving history, age, etc. and they have an expectation of how often you're going to wreck your car, what the payout will be, etc. The company understands the chances that you have an accident...
by bru
Sun Mar 01, 2015 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Creating sub-accounts in vanguard
Replies: 10
Views: 1706

Re: Creating sub-accounts in vanguard

Hello Forum I am trying to create multiple sub-accounts for specific purposes in vanguard. Some of these are for investments for kids (I am not interested in UGMA ) <snip> - pclu Curious how you plan to title the accounts for your kids? As I understand you can't title an account in the name of a mi...
by bru
Sat Feb 28, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Old car insurance
Replies: 39
Views: 3673

Re: Old car insurance

Look up on Kelley Blue book value. If that plus your 1000 deductible adds to $6000.00 ( you can use a different number) or less drop the coverage. For $ 100-150 extra per year you still will not get your truck replaced or repaired. I dropped my coverage when cars Blue book value dropped below $ 600...
by bru
Thu Feb 26, 2015 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 2102

Re: Fidelity Premium

Never even heard of this 2FA key fob thingy. Google tells me "Fidelity doesn't advertise security tokens on its website". So I guess it was up to me to find out about it. I've been Premium with them for years and I've yet to hear a word from them about any of the services I am entitled to....
by bru
Tue Feb 17, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7983

Re: Cap Gains & Divs killed me this year

IIRC, our V Total stock market had no capital gains and all or almost all dividends were Qualifed, so minimal tax consequences. Some actively managed funds seem to have more Capital Gains distributed and more dividends. Several of my Vanguard index funds had non-qualified dividends. VSMAX, VSIAX an...
by bru
Tue Feb 17, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell individual stocks
Replies: 9
Views: 720

Re: Should I sell individual stocks

Think her grandmother owned them because they were good dividend stocks. They are, especially AT&T. Assuming your cost basis is at or lower than what they trade at today. I'm no expert and I do own some individual stocks which I hold on to because selling would be an accounting semi=nightmare. ...
by bru
Tue Feb 17, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 6738

Re: Not clearing snow from driveway

One reason I bought the house I did was because it faces west (technically slightly north of west). My previous house faced due north and would not get enough sun to do any melting. I shovel my driveway, kind of obsessively, and the sun (when we have it) also helps keep my driveway clear.
by bru
Wed Feb 11, 2015 12:31 pm
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 3058

Re: Primecap

I posted this article three weeks ago. Got little attention.

viewtopic.php?f=10&t=156360
by bru
Wed Feb 11, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 230
Views: 53632

Re: AAPL

2/10/15 Record high close for AAPL, $122.02/sh. Market cap exceeds 700 Billion. First American company to do it.
by bru
Tue Feb 10, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 1424

Re: Where to put money gifted to infant son?

Pathologyguy- I also thought that a taxable account in my son's name would be effectively a UTMA/UGMA account (presumably because a minor needs a custodian for his/her account). Is there anyone who can verify this for sure? If I wanted to setup an account for him at Vanguard, would I be able to dep...
by bru
Sat Feb 07, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 4147

Re: Citibank Double Rewards %1+%1 Credit Card

Several threads about this card already, going back to last summer.

viewtopic.php?f=2&t=145785

viewtopic.php?f=2&t=150977

viewtopic.php?f=2&t=150635
by bru
Fri Feb 06, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get missing credits from previous tax returns
Replies: 5
Views: 752

Re: Can I get missing credits from previous tax returns

After speaking with an IRS rep on the phone I sent in only the worksheet and form 8812 for both years. No need for a 1040-X. Received a check today. Not too bad considering all the cuts at the IRS.
by bru
Mon Jan 26, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5625

Re: Vanguard and Turbo Tax

I tried multiple times yesterday and today to click the link "Save now on TurboTax" on the Vanguard TurboTax webpage. I received an error saying something like "There was an unexpected error. Please try again later." I kept trying and finally got through. Once I did, I clicked D...
by bru
Mon Jan 26, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5625

Re: Vanguard and Turbo Tax

FWIW, the exact same thing is happening to me this morning----I was able to access it from the Vanguard website for awhile this past Saturday, however. What seems confusing/difficult is that having to access TT "directly from the Vanguard website each time" is THE issue----otherwise, if I...
by bru
Mon Jan 26, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5625

Re: Vanguard and Turbo Tax

Can't get this to work.

I click on "Save now on TurboTax" and I get a webpage error using both IE and Chrome. Anyone had success lately?
by bru
Fri Jan 23, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2865

Re: Malware problem on new PC

Like many I use Malwarebytes Pro (realtime) along with MSE or Defender depending on OS. Keep in mind that no program is perfect. I had a rather unpleasant experinece last month with a Trojan that MSE could not remove. Neither could MBAM. Supposedly MBAM's separate Rootkit program would have found it...
by bru
Thu Jan 22, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 3058

Primecap: The Best Stock Pickers You've Never Seen

Has this been posted? I've yet to master the search function here. Article about the Vanguard Primecap funds. I like the statistic in the first paragraph. "Stunning wealth" indeed. Primecap is one of my only managed funds. I've owned it for close to 20 years. Wish it had been 30. I'll chec...
by bru
Tue Jan 13, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Using Vanguard's message center
Replies: 0
Views: 283

Using Vanguard's message center

On Vanguard.com I received a message from my new Flagship rep but he didn't send the info he said he would (bad start). I try to respond to his message but can't seem to figure it out. I create the message in reply to his but I see no way to send. Tried a different way by opening his message and the...
by bru
Tue Jan 06, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: There She Said It [Suze Orman recommends Vanguard]
Replies: 5
Views: 2432

Re: There She Said It [Suze Orman recommends Vanguard]

We watch her shows on DVR. We skip several of the segments, typically watch her opening, viewer questions and Can I Afford It. Don't like the How Am I Doing segments. Usually she doesn't say something I don't know but my wife has learned a lot which in and of itself makes it a worthwhile way to spen...
by bru
Mon Jan 05, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Filing My Taxes With Free File Fillable Forms?
Replies: 8
Views: 1086

Re: Filing My Taxes With Free File Fillable Forms?

I have used them since they became available. This year I can get TT for free but will still probably go with FFF. Its like dong taxes by hand, which I've done since the first year I had to file. My taxes are fairly routine. Schedule D, Occasionally Schedule A and a few forms. Didn't someone once sa...
by bru
Mon Jan 05, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23557

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Had to wait until there was a positive guess before mine. Karma you know.

2219.04

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