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by bru
Tue May 19, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1616

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: 13489

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: 4439

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: 4439

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: 4439

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: 4439

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: 4733

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: 13773

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: 2109

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: 5872

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: 6568

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: 3292

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: 6
Views: 928

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: 3292

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: 1881

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: 7562

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: 645

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: 6245

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: 2793

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: 226
Views: 50038

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: 1356

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: 3448

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: 720

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: 5422

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: 5422

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: 5422

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: 2791

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: 2793

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: 258

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: 2389

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: 1041

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: 21443

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

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

2219.04
by bru
Mon Jan 05, 2015 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 142
Views: 16761

Re: Why a Boglehead doesn't invest in individual companies?

I own quite a few individual stocks. The majority of them were initially acquired many years ago and have been added to through DRIPs. I also own stock in a former employer acquired through an ESPP. Otherwise, the only stock I bought within the last decade was AAPL. All told I think my individual st...
by bru
Thu Dec 25, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3622

Re: Why did gas mileage recently drop on my older CRV?

Ketawa wrote:Calculate your mileage using your odometer and the amount of gas pumped at the station. Don't rely on the onboard electronics.

By hand is the only way to calculate mileage for an '02 CR-V.
by bru
Wed Dec 24, 2014 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get missing credits from previous tax returns
Replies: 5
Views: 720

Re: Can I get missing credits from previous tax returns

So you think I should file 1040-X rather than completing the forms they sent and returning those? Looking at the dates they sent me the form in March of 2014 for 2013 taxes and it just says to complete the forms and return and a refund will be issued in 6-8 weeks. Because the tax year has closed I s...
by bru
Wed Dec 24, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Can I get missing credits from previous tax returns
Replies: 5
Views: 720

Can I get missing credits from previous tax returns

The last two tax years (2012, 2013) I received a letter from the IRS shortly after my taxes were filed staing that I may qualify for a refund based on the Additional Child Tax Credit. They included a couple of forms (worksheet and for 8812) and said to fill them out and return. I went through the ex...
by bru
Wed Dec 17, 2014 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship
Replies: 22
Views: 3158

Flagship

Made it today.

I have assets at a few other insititutions besides Vanguard so if I had consolidated it would have happened a while ago.
by bru
Tue Dec 16, 2014 1:22 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 35
Views: 6340

Re: 10% off Target GiftCards - Black Friday Preview

Just saw this thread. I took advantage of this deal to use my old Target GCs to buy new physical GCs at a 10% discount. It was a balancing act and a race against time because you could only use (I think) four GCs to pay so I had to make sure I was using them efficiently. I did my transcactions and h...
by bru
Tue Dec 16, 2014 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 586

Re: Should we keep all bonds in inherited tIRA?

One is from my Father that has a RMD rate based on his age, so it has a much larger RMD requirement. How were you able to do this? I thought any non spousal inherited IRAs had to go by the new owner's lifespan to calculate the RMD. I inherited my father's IRA and I am fairly certain the RMD is base...
by bru
Fri Dec 12, 2014 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1479

Re: help! suspicious call asking about my SS application

Contact the SSA. Best thing to do is to contact the SSA -- this is from their website Generally, we do not publish the phone numbers of our local offices. You can call us toll-free at 1-800-772-1213 (TTY 1-800-325-0778). Be prepared for a long wait. My wife recently got a call from SSA to tell her ...
by bru
Mon Dec 08, 2014 1:57 pm
Forum: Investing - Theory, News & General
Topic: FT Article: Vanguard turns firepower on...
Replies: 3
Views: 1453

FT Article: Vanguard turns firepower on...

In addition to discussing their new financial advisory services there are some pretty eye popping numbers in terms of assets under management. "Vanguard turns firepower on shake-up of financial advice market" http://www.ft.com/cms/s/0/c353e40a-7c97-11e4-aa9c-00144feabdc0.html#axzz3LKkU2yTU...
by bru
Sat Dec 06, 2014 12:58 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 19794

Re: Vanguard offers login security code

Soon I will have unlimited texts but for now I pay for each. How would GV work with this? I'd have to check my GV account for the code? Seems a bit cumbersome. I'm not comlaining per se since I really don't have too much concern regarding security, just wondering how someone with text service can be...
by bru
Wed Dec 03, 2014 10:54 pm
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 5008

Re: Would you move/stay for better school district?

A top rated school district is a definite plus for the value of your home long term. From what I have been told by and large if an elementary school is located within a neighborhood it performs well because it has high parental participation. Our house is in a very funny location in our school dist...
by bru
Wed Dec 03, 2014 1:24 pm
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3892

Re: tipping rubbish pickup people and letter carriers

I do not tip the people responsible for either of the services the OP mentions. It could get expensive since there are at least three, garbage, recycling and yard waste. Nor do I tip the newspaper delivery person. Her service has been so erratic over the years I can't see rewarding her. Or maybe my ...
by bru
Mon Dec 01, 2014 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help with too much cash
Replies: 13
Views: 1409

Re: Help with too much cash

Salary: $125,000-160,000+ Cash: $90,000 Monthly expenses are $3-4K. What can I do with the cash? Pay off home? Invest in Stocks when the market drops 10 percent? Invest in bonds fund and then switch to Stock index when the market drops? Thanks for the help. edit: Nevermind. Not sure what I was thin...
by bru
Mon Nov 24, 2014 11:22 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11717

Re: Apple Stock - Seems great, right?

This past year I'm up about $350k from my Apple stock (over 50% appreciation). I consider myself a wannabe boglehead but majority of my savings are in Apple stock. I must hold until June to wait for long term status to kick so i'll save about 20% taxes which is significant. I wish I had the guts to...
by bru
Sun Nov 23, 2014 2:40 pm
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 4507

Re: Help: Three Fund Portfolio at Fidelity

Use the Spartan Total Stock Index and the Spartan US bond Index at Fidelity because these are essentially identical to the Vanguard versions. Use Vanguard's Total International Index because it is more complete than the Fido funds. If you must hold international at Fido, use the Spartan Global Exce...
by bru
Fri Nov 21, 2014 9:08 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11717

Re: Apple Stock - Seems great, right?

Every person has their own individual level of risk tolerance. There are fewer "I made a bunch of money on XYZ" threads because they're not as dramatic as losing 93% of your retirement assets. The problem is that a success is a success until it's not. What about AAPL's massive pullback fr...

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