Search found 250 matches

Return to advanced search

Re: Wine for daily consumption?

Banfi col di sasso is an excellent, inexpensive red. You'd never guess inexpensive by the taste.
by crow
Tue Dec 03, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5725

Re: Won the race?

Just one thought....most people plan their retirement using both spouses SS. Make sure your numbers will work if one of you dies early. That can make a "borderline" plan into a "won't work" plan. I think more people need to take this into account in their calculations, even thoug...
by crow
Sat Nov 30, 2013 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Won the race?
Replies: 16
Views: 2443

Financial Engines

I was reviewing my portfolio and ran Financial Engines logged in through Vanguard. In Financial Engines, it shows I have over 23% in cash which is an error. I cannot figure out how it's coming up with that number. When running Portfolio Review through Vanguard, the percentage as cash comes up correc...
by crow
Sat Nov 02, 2013 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Engines
Replies: 1
Views: 477

Re: [Poll] What's Your Current Mode of Camping?

My idea of roughing it is a hotel without room service :). I've been camping once in my life and that was more than enough.
by crow
Fri Jun 28, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 7035

Re: hardwood floors and area rugs

Rugs with rubber-type backing will leave stains on a vinyl floor, but I've never heard of them spotting a wood floor (actual wood, not laminate). The staining of the vinyl is a chemical reaction between the two materials. I ruined a kitchen floor using one of these is why I know. I have wood floors ...
by crow
Thu Jun 27, 2013 1:38 am
 
Forum: Personal Consumer Issues
Topic: hardwood floors and area rugs
Replies: 30
Views: 3774

Re: Ally turned us down! (How to build credit for immigrant?

I added my husband to my existing bank account. He also opened an individual account at the credit union where he worked and then applied for their credit card. The interest rate on it was unbelievably high, but that didn't matter because we never carried a balance. It didn't take long for his credi...
by crow
Tue Jun 11, 2013 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally turned us down! (How to build credit for immigrant?)
Replies: 9
Views: 1168

Re: Squirrel Proofing a Bird Feeder

If you want a good laugh, take a paper towel with a liberal amount of solid Crisco on it and coat the pole. The little devils will jump onto the pole, but slide right back down. It's hysterical to watch. I've also used a "Twirl A Squirrel" bird feeder. When the weight of the squirrel hits ...
by crow
Sat Jun 01, 2013 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 43
Views: 4012

Re: Telemarketers

I have family outside the U.S. and when they call, the caller ID says "unknown number" so I can't skip answering. I've never listed my number online anywhere, so that's not the problem. I had not thought of having it unlisted by the phone company. I'll try that and maybe it will help. Than...
by crow
Tue Apr 23, 2013 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: [stopping] Telemarketers
Replies: 29
Views: 1735

[stopping] Telemarketers

I'm being bombarde by calls from two telemarketers. I'm on both the sate and national Do Not Call list and they don't work. Is there a place you can pay to have your name removed from lists? Does anything short of getting rid of the land line stop this? I'm getting up to 4 calls a day offering a fre...
by crow
Tue Apr 23, 2013 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: [stopping] Telemarketers
Replies: 29
Views: 1735

Re: Laundry Detergent Issues

I also use Tide HE for my front load washer. I've used Tide for many years and never had a problem with it. I did switch to a cheaper detergent once, but had problems like you've mentioned with what appeared to be bleach spots on clothing, even though bleach was not on the ingredient list. I went ba...
by crow
Tue Apr 23, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues
Replies: 71
Views: 5896

Re: Fidelity charges to close accounts!

Fidelity ticked me off with their incompetence, so I moved everything to VG and left a whopping 64 cents in an account at Fidelity. It's been sitting there for a decade or longer. I get quarterly statements on my account. I wonder what that has cost them over the years?
by crow
Thu Apr 18, 2013 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 19
Views: 3336

Re: Changing your bond allocation? [POLL]

You left out an option of "I've already made changes to my bond allocation". I moved a portion of my bonds to a shorter duration fund.
by crow
Sat Apr 13, 2013 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Changing your bond allocation? [POLL]
Replies: 23
Views: 1931

Re: When pay taxes on Roth conversion

Your contribution deadline for any IRA is not Dec 31 of the tax year in question, but the April 15th tax filing deadline. Your contribution was before April 15th of 2013 for your 2012 contribution, so no problem exists. You weren't contributing to a "non-existant" 2012 Roth because you hav...
by crow
Sat Apr 13, 2013 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: When pay taxes on Roth conversion
Replies: 8
Views: 647

Re: Vanguard's so so customer service

I've always had great service from Vanguard. I had a nightmare with Fidelity service that cost me huge IRS problems that took ages to sort out and should have never happened in the first place. My husband's account at Fidelity also had similar problems. Everyone we talked to assured us they were sen...
by crow
Mon Apr 08, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 30
Views: 1986

Re: Post your asset allocation here:

Age: 59

Tax Adavntaged 50% of total portfolio
50% Short Term Tips
50% Total Bond

Taxable 50% of portfolio
60% Total U.S.
40% Total International
by crow
Mon Apr 08, 2013 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 11509

Re: Poll: SS Question & Overall Retirement Expenses

I think something a lot of people don't even consider is that you start out planning retirement income based on saivings and both spouses receiving social security. All too often, one spouse dies early and leaves a gap in that plan. We could have made it on both our ss, but unfortunately my spouse d...
by crow
Sun Apr 07, 2013 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: SS Question & Overall Retirement Expenses
Replies: 27
Views: 1337

Re: Not a waste of electrons [Vanguard Flagship forum closed

I was invited to participate when it first started. I only went to the forum a couple of times. Not much happening on it. I saw on here that it closed, but an odd thing, after the site closed, I got an email from Vanguard saying they hadn't seen me there in a while and to visit the site. I thought i...
by crow
Sun Mar 17, 2013 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Not a waste of electrons [Vanguard Flagship forum closed]
Replies: 11
Views: 1884

Re: DNR questions

My husband had terminal cancer. When he started at home hospice care, we showed the hospice doctor the DNR and the notarized forms saying no feeding tubes. She said she couldn't accept those. She had to have him answer a series of questions to show he was competent and then sign a hospice form which...
by crow
Sun Mar 17, 2013 10:48 pm
 
Forum: Personal Consumer Issues
Topic: DNR questions
Replies: 13
Views: 1186

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

1.) Allow different beneficiary designations on different accounts rather than, for example, forcing all TIRAs to have same beneficiary
2.) Better password capability
by crow
Tue Mar 05, 2013 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6637

Re: Advice Wanted On A New Cell Phone

I LOVE your posts! I'm in the same boat. I'm going to check WalMart's "Straight Talk" plan. It's supposedly unlimited text, talk and data for about 50 a month. The up front phone charges may be more, but it will be much cheaper in the long run. I refuse to pay 200 a month for a phone with ...
by crow
Tue Mar 05, 2013 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Advice Wanted On A New Cell Phone
Replies: 40
Views: 2440

Re: Distribution phase and AA questions

Thank you both for your replies. I appreciate the input.
by crow
Sun Mar 03, 2013 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Distribution phase and AA questions
Replies: 7
Views: 447

Re: Distribution phase and AA questions

I do understand I'll have to rebalance. My question is will Tips keep up with inflation for the long term or do they only help with unexpected inflation? If i had enough money today to last 40 years and I put it all in a Tips fund, whould those dollars still have the same spending power in 20 years ...
by crow
Sat Mar 02, 2013 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Distribution phase and AA questions
Replies: 7
Views: 447

Distribution phase and AA questions

I recently read the Wiki on the distribution phase of retirement and found it extremely helpful. The scenario that made the most sense to me was to keep several years worth of expenses in a bond fund and move more from stocks to bonds depending on market returns to smooth the year to year ups and do...
by crow
Sat Mar 02, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Distribution phase and AA questions
Replies: 7
Views: 447

Re: IRA Withdrawals -not RMDs

Thank you for your replies. I now realize, as with most financial quesstions, the answer is "it depends". The SS site shows the income related premium adjustment starts at 85000 (2012 info) for singles. Best I can tell is that TIRA to Roth conversions are also included in MAGI and therefor...
by crow
Sat Jan 19, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals -not RMDs
Replies: 7
Views: 833

IRA Withdrawals -not RMDs

Does it make sense to take withdrawls from your IRA before RMD kicks in if it would help put you in a lower tax bracket once RMDs started? My assets are roughly 50/50 in taxable and tax advantaged holdings. I wouldn't need to touch any tax advantaged holdings until RMDs were required, but don't know...
by crow
Sat Jan 19, 2013 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals -not RMDs
Replies: 7
Views: 833

Re: Percent Of Net Worth In The Market?

10% Cash
12% Mortgage free home
39% Equities
39% Bonds

I don't consider my home part of my investments, but it would have to be considered as part of my net worth, so I've listed it.
by crow
Fri Jan 18, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percent Of Net Worth In The Market?
Replies: 24
Views: 1693

Re: Vanguard only accepts standard IRA beneficiary designati

I also have a problem designating beneficiaries the way I need to with VG. I just got a Flagship Customer Service Survey and they asked what was the number one thing they could do better. I gave them two, and number one was the beneficiary problem. The second item I said I'd like to see was better p...
by crow
Wed Jan 16, 2013 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard only accepts standard IRA beneficiary designations
Replies: 51
Views: 4684

Re: Bond Loss Question

Thank you both for your replies. They were helpful.
by crow
Fri Jan 04, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Loss Question
Replies: 4
Views: 637

Bond Loss Question

I know bonds don't behave like stocks. I think, thanks to reading and questions on Bogleheads, that I understand bond funds. My question is what kind of loss can one realistically expect in bond funds when interest rates rise? I've learned that the NAV can drop by interest rate increase x bond durat...
by crow
Thu Jan 03, 2013 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Loss Question
Replies: 4
Views: 637

Re: Can I reduce future taxes on IRA with earlier withdrawal

Once you are receiving medicare, keep in mind that any conversions that up your income could result in extra income related premiums for Medicare. I did a conversion a couple of years ago and got unexpectedly nailed with that extra premium, which I hadn't considered in the calculations for the cost ...
by crow
Wed Dec 26, 2012 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce future taxes on IRA with earlier withdrawals ?
Replies: 25
Views: 1713

Re: Can't think of x-mas gift to give wife...

My husband was diagnosed with terminal cancer in Sept of 2009. The doctors said he had 12 months max life expectancy. That year for Christmas he wrote me a beautiful love letter saying what I and our time together had meant to him. I treasure it above all the other material things he ever gave me. I...
by crow
Wed Dec 19, 2012 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Can't think of x-mas gift to give wife...
Replies: 44
Views: 3206

Re: What happens to retirement account if you leave the coun

Halfline, you misunderstood my post. I was talking about a U.S. citizen dieing and leaving assets to a non citizen spouse. My husband was from U.K. I didn't know there was a difference in inheritance laws if the spouse wasn't a citizen. Our tax advisor said he should become a citizen to avoid the mu...
by crow
Tue Dec 18, 2012 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens to retirement account if you leave the country?
Replies: 16
Views: 1951

Re: What happens to retirement account if you leave the coun

There is also a tax law involving the estate tax for a non-citizen surviving spouse. You would owe estate tax on anything over $133,000 (2009 amount) rather than the much more generous exemption for a citizen spouse. This is the law that made my husband become a U.S. citizen. I would assume this app...
by crow
Mon Dec 17, 2012 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens to retirement account if you leave the country?
Replies: 16
Views: 1951

Re: Happy Anniversary! [From Vanguard to Clients]

I got mine today. It was "signed" by my Flagship rep, so maybe it's only going to Flagship members.
by crow
Wed Oct 24, 2012 1:53 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Anniversary! [From Vanguard to Clients]
Replies: 44
Views: 3861

Re: Retiree Roth Conversion Decision Model

Thank you so much for all the work you put into this. I had done some basic calculations on my own, but this is a lot more detailed and helped me to ultimately decide not to convert.

Crow
by crow
Sun Oct 07, 2012 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 132
Views: 32528

Re: Feedback on Scott Burns and AssetBuilder Inc.

poppa23, Vanguard offers an annual checkup and financial plan for Voyager Select or Flagship level investors. I think you can also get one free when transferring 100,000 or more to Vanguard. Their website gives you more info. Look here: https://personal.vanguard.com/us/whatweoffer/personalservices/f...
by crow
Mon May 28, 2012 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback on Scott Burns and AssetBuilder Inc.
Replies: 25
Views: 6252

Re: Gutters

I live in Houston and we have torrential rains here. We also have lots of pine trees and the pine needles will clog almost any gutter out there. I bought LeafGuard Gutters and have had absolutely no problems in 7 years now. Even pine needles don't clog them. The flowers from oaks and pines and the s...
by crow
Sun May 27, 2012 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Gutters
Replies: 36
Views: 2384

Re: Where to put 200,000 cash

Thank you all for the replies. To YDNAL, yes, you've explained my feelings about this money perfectly. I don't have job worries, so this is safety net money. My husband passed away in Sep 2010, so I'm still getting used to budgeting on an income that's 25% of what it was previous to his death. I wan...
by crow
Mon May 21, 2012 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put 200,000 cash
Replies: 10
Views: 2730

Re: Rollover of Deceased Spouse's IRA

My spouse died in 2010 and I had to deal with this. If the funds are at Vanguard, they have a separate department that handles this exclusively. They were very helpful to me in taking care of the switch. The funds weren't yet in distribution mode, so I had several options. The person I spoke with to...
by crow
Sat May 19, 2012 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover of Deceased Spouse's IRA
Replies: 7
Views: 855

Where to put 200,000 cash

My savings for retirement are currently split about 50% tax advantaged and 50% taxable accounts. I have sufficient income to not have to touch these until at least 65 or older. I am currently 58 years old, 100% disabled and widowed. In addition to the accounts listed below for retirement, I have 210...
by crow
Sat May 19, 2012 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put 200,000 cash
Replies: 10
Views: 2730

Vanguard Account Beneficiaries

I am a Vanguard Flagship client. I recently contacted my account rep and asked if I could make a beneficiary on one IRA account different from all my other accounts. I was told this was impossible. I have two TIRAs, one Roth and an individual taxable account. I do not understand why this is impossib...
by crow
Sun Jan 08, 2012 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Beneficiaries
Replies: 28
Views: 3128

Re: What do you feed your dog?

I second the Nutro Lamb and Rice formula. I have a 75 lb. boxer with a sensitive stomach and allergies. This is the only food I've found that doesn't give her any problems.
by crow
Sun Nov 06, 2011 1:21 pm
 
Forum: Personal Consumer Issues
Topic: What do you feed your dog?
Replies: 65
Views: 3991

I've bought and paid cash for two cars since 9/11 and I didn' t have to fill out a credit application for either of them.
by crow
Thu Aug 18, 2011 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone buy a new car recently? Paperwork comment/question.
Replies: 37
Views: 4765

I've cruised to Alaska, Scandanavia & Russia, Norway/Iceland/Greenland, South America & Antarctica, and am going back to Alaska next month. My favorite line for the money is Holland America. My favorite ship is the Prinsendam. It's a smaller ship and you avoid some of the "cattle call&q...
by crow
Mon Jul 04, 2011 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Cruise Line Preference
Replies: 57
Views: 7149

I recommend Ecuador. Language is Spanish. Cost of living is dirt cheap. Nice rental property available at reasonable prices. Choice of areas near coast or inland. My favorite is inland, Cuenca area, which is base of Andes, so cooler. People are friendly, scenery is gorgeous, crime rate is low, and t...
by crow
Fri Jun 24, 2011 8:24 am
 
Forum: Personal Consumer Issues
Topic: Extended family-friendly trip abroad: Where to go?
Replies: 33
Views: 2026

I was just there for 2 weeks in May and it was my first trip. I stayed in Jackson as my base as it was close to every thing I wanted to see and do. I had a one day guide service, Eco Tours, that took us to Grand Teton National Park. It was a spectacular day. The guide was knowledgable about the anim...
by crow
Fri Jun 24, 2011 8:19 am
 
Forum: Personal Consumer Issues
Topic: wyoming?
Replies: 21
Views: 2419

I have a 4 year old boxer. She is the sweetest tempered, smartest dog I've ever owned. She is protective without being in the least agressive. She is great with kids. The first time we encountered a small child that wanted to pet her, she went to the ground and didn't move while the toddler petted h...
by crow
Thu Jun 23, 2011 8:38 pm
 
Forum: Personal Consumer Issues
Topic: While we are on the topic of dogs- Recommendations?
Replies: 58
Views: 4048

Thank you both for the input. At least I know it's not a big mistake either way I decide to go.

Regards,
Crow
by crow
Mon Jun 20, 2011 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Widow AA Question
Replies: 4
Views: 774

Widow AA Question

My husband passed away last Sept. I have finally gotten most of the estate settled. I would like to revisit with the BH's my AA and I have a question on bonds. I am 57 years old, permanently disabled, with current income covering living expenses until age 65 when my private disability insurance paym...
by crow
Sun Jun 19, 2011 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Widow AA Question
Replies: 4
Views: 774

I'm so jealous! Fort William is one of my favorite areas of Scotland, that and the Isle of Skye. Beautiful country. I'm looking forward to see more photos and hear about the trip.

Crow
by crow
Wed Jun 01, 2011 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Selected photos from my recent bike tour in the UK
Replies: 5
Views: 511
Next

Return to advanced search