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Re: Vanguard Portfolio Watch issue

You need to be careful using the analysis in Portfolio Watch. It is not accurate. For example, it will show foreign stocks only if they are in an international fund. If a nominally domestic fund has international holdings, those holdings do not show up in Portfolio Watch, even if they are a substant...
by jsl11
Wed Jul 23, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch issue
Replies: 5
Views: 357

Re: Need advice re hearing aid for small child

Try contacting your local public school district. They may (should?) have an educational audiologist on staff. That person would be able to refer you to someone who is good for working with children.
Jeff
by jsl11
Mon Jul 21, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 18
Views: 863

Re: If interest rates would ever reach double digits again

The really crummy thing about being in a high interest rate/high inflation environment is that you pay taxes on the nominal gains. Better to make 6% with 3% inflation than 15% with 12% inflation. If your tax rate is 33%, you're making 1% real in a low interest rate environment but -2% real in a hig...
by jsl11
Sat Jul 19, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 2993

Re: retirement fund or college fund?

Costs should not be that high at a public university. Keep in mind that there are no scholarships for retirement.
Jeff
by jsl11
Thu Jul 17, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 849

Re: If interest rates would ever reach double digits again

When interest rates were that high, stock prices were very low. Thus, it was not a good time to sell stocks. In addition, the gains in stocks since that time have been higher (I believe) than if the money was invested in bonds.
Jeff
by jsl11
Thu Jul 17, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 2993

Re: Unique situation

Since you have a dependent, you should buy some term life insurance, if you do not already have it. Since you are young, it probably will be inexpensive. You should also buy disability insurance, if they will sell it to you. You want to provide for your child if you are disabled or if you should die...
by jsl11
Mon Jul 14, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Unique situation
Replies: 17
Views: 2739

Re: Money Purchase to 401k

If 19K per year does not sound significant, ask them to think about 10 years of such charges. That would be 190K plus the growth of those annual amounts. You can choose an estimated return and run a quick spread sheet to see how it comes out. After only 10 years, it should be somewhere around a quar...
by jsl11
Sat Jul 12, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Purchase to 401k
Replies: 5
Views: 720

Re: Car did not start: To dispose? How?

A few words about auto batteries: 1. They normally last 3 to 6 years (more or less) depending on the quality of the battery, the way it is used, and the number of miles it sees. It is a good idea to replace it before it causes problems, because you will need to replace it anyway. If you do it before...
by jsl11
Sat Jul 12, 2014 1:19 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5463

Re: Who to contact for RMD strategy?

I have been using 26.5 years at age 70 or 3.8% RMD for a couple. Both age 70. I like your number better but all the data I find shows 26.5 or 3.8% Can comment on where your number comes from . Thanks Dan Whether you use the divisor for 70 or 71 depends on your age at the end of the year you turn 70...
by jsl11
Fri Jun 27, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who to contact for RMD strategy?
Replies: 18
Views: 1412

Re: Best Road Trip Vehicle

We are experienced road travelers. We have travelled all over the US in 4-cylinder Toyota Camrys. They are comfortable, quiet, reliable, large enough, and economical. Normal highway gas mileage is about 35 mpg. If you drive a little slower, you can approach 40 mpg.
Jeff
by jsl11
Thu Jun 26, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2721

Re: Keeping mold out of bath/shower

I would clean the tiles with bleach, and replace the sealant. Once it is mold free, you should be able to keep it that way by drying the area after each shower or bath.
Jeff
by jsl11
Wed Jun 25, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2185

Re: I Bonds 5.27% interest

At current fixed rates of 0.1%, I do not understand the love I bonds receive today. Can someone enlighten? If the the idea is these are cash replacement/savings account with inflation protection, I can understand. Is it purely to counter 1980's style inflation risk? On the returns side, I don't see...
by jsl11
Sun Jun 22, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3657

Re: Riding a bicycle east from Cleveland

Aha, I just had an idea! The hotels that I'm thinking of are all on the west side of I-271, along a sort of frontage drive. From there, ride north a short distance along Enterprise Place and Science Park Drive (you'll see them on Google Maps) to South Woodland Road, then turn east. South Woodland i...
by jsl11
Sun Jun 22, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1301

Re: S&P 500 increased... my daily balance decreased?

This is a great and knowledgeable community, thank you for your time and patience. For further clarification, I received a dividend for 1.697 500 Index Fund Adm at $181.01... this dividend increases the total amount of stock i own by 1.679, however doesn't appear to increase my overall balance? I w...
by jsl11
Sat Jun 21, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 increased... my daily balance decreased?
Replies: 28
Views: 2562

Re: Riding a bicycle east from Cleveland

You should be aware that the Cleveland airport is located southwest of the city. This means that you will be riding through a large busy metropolitan area, before you get to anything rural. Within the city, all you have are busy streets and freeways. Neither would seem to be ideal for bike riding. Y...
by jsl11
Sat Jun 21, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1301

Re: water bottles and road trip

For road trips, we take a small cooler in the car. In addition to drinks, we take sandwiches for lunches. It saves time and we don't need to worry about finding a place to eat. For dinner, we stop in cities and have a nice meal at a decent restaurant.
Jeff
by jsl11
Sat Jun 21, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1813

Re: New water heater needed - local plumber or Home Depot, L

My gas water heater stopped working. I relit the pilot light after several attempts. It went out by the next morning. I went to Home Depot, but they do not have an installation agreement with a plumber at present. So I drove to Lowe's, and purchased a Whirlpool. I am waiting to hear from the instal...
by jsl11
Fri Jun 20, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4237

Re: is it normal to have more in your taxable accounts

There is no "normal". What is right for you depends on your situation, and the retirement vehicles available to you. The largest retirement account for most people would be their 401k account. If you do not have access to one, your ability to have tax deferred retirement money may be restr...
by jsl11
Thu Jun 19, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1702

Contributions

I want to make some charitable contributions this year. My preferred method, would be to use a QCD from my IRA account. However, that law has not been reinstated for this year. My second choice method would be to donate appreciated securities. I will use one of these two methods. However, since the ...
by jsl11
Wed Jun 18, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contributions
Replies: 3
Views: 315

Re: The Death of Savings Bonds

Phineas J. Whoopee wrote:But no back door, stealthy attempt to kill them is necessary to end the program.

There might be political reasons not to actually kill it off, but to let it die by itself.
Jeff
by jsl11
Tue Jun 17, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3460

Re: USBank/IBonds/medallion Stamp

Perhaps the medallion is the only signature guarantee they have.
Jeff
by jsl11
Tue Jun 17, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: USBank/IBonds/medallion Stamp
Replies: 9
Views: 652

Re: How to notify Local Chapter members?

The leader of our local group collects the email addresses of those who are interested. These are used for group notices.
Jeff
by jsl11
Tue Jun 17, 2014 3:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How to notify Local Chapter members?
Replies: 3
Views: 351

Re: Personal Life subforum?

Maybe I don't get around enough, lol - but the other forums I belong to, that have a "Lounge" section for off topic postings don't seem to experience spamming, off color language or totally bizarre topics, etc. ...maybe because the people allowed to post are already existing members of th...
by jsl11
Tue Jun 17, 2014 2:21 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4600

Re: Personal Life subforum?

I would suggest that one of the reasons for the success of the Bogleheads forum is the lack of motivation for personal gain. People contribute altruistically. If you were to open up things, in a private interactive subforum, to an audience as wide as this one, you would get people who are out to get...
by jsl11
Tue Jun 17, 2014 1:35 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4600

Re: How can this be legal (employers over-riding employee 40

So why not put on a seminar discussing finacial literacy? At some point people have to be allowed to make decisions for themselves. Who would put on the seminar? At the small company I retired from, the plan was arranged through a broker. The broker sent a representative to meet with participants i...
by jsl11
Sat Jun 14, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1753

Re: Should risk be stated in dollars terms instead of AA %?

If you think of those times as "buying opportunities" rather than losing money, you will feel better about it. You might even look forward to those events. Jeff Agreed - I do, and I did in 2007-09. That is why I now have 5-10x more at risk in stocks than I did then. That makes me 5-10x le...
by jsl11
Fri Jun 13, 2014 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1373

Re: Should risk be stated in dollars terms instead of AA %?

If you think of those times as "buying opportunities" rather than losing money, you will feel better about it. You might even look forward to those events. Jeff Agreed - I do, and I did in 2007-09. That is why I now have 5-10x more at risk in stocks than I did then. That makes me 5-10x le...
by jsl11
Fri Jun 13, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1373

Re: Should risk be stated in dollars terms instead of AA %?

This might make sense if you are more concerned with 'volatility risk' as opposed to 'the risk of permanent loss.' The volatility risk approach only matters for an irrational investor (that is, most of us). If there is 'something' about losing $250k that will cause us to abandon our IPS, then we sh...
by jsl11
Fri Jun 13, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1373

Re: Should risk be stated in dollars terms instead of AA %?

I would suggest that dollars and percentages are just two ways of describing the same thing, once you know your portfolio size. For example, for a 1M portfolio, 60% is exactly the same as 600K. Since we each know the size of our own portfolio, we also know how the percentages translate into dollars...
by jsl11
Fri Jun 13, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1373

Re: Should risk be stated in dollars terms instead of AA %?

I would suggest that dollars and percentages are just two ways of describing the same thing, once you know your portfolio size. For example, for a 1M portfolio, 60% is exactly the same as 600K. Since we each know the size of our own portfolio, we also know how the percentages translate into dollars....
by jsl11
Fri Jun 13, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1373

Re: Peppy V6 With Good Fuel Economy

As others have indicated. Your problem is not the 4-cyl engine. It is the 1992 technology. Test drive a newer Honda or Toyota and you will be amazed at the difference.
Jeff
by jsl11
Wed Jun 11, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2968

Re: Is it really necessary to have a bank account?

11. I can cash paper savings bonds.
12. I can get a medallion signature guarantee.
Jeff
by jsl11
Wed Jun 11, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it really necessary to have a bank account?
Replies: 36
Views: 3594

Re: Remodeling for 4th bedroom

I would consider the possibility of creatively using the living room as a bedroom, without making permanent changes to the structure. Instead of a closet, wardrobes, or clothing racks could be used. The use of screens for privacy may work. This type of approach would give you the utility you are loo...
by jsl11
Tue Jun 10, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Remodeling for 4th bedroom
Replies: 6
Views: 714

Re: Addicted to saving?

Here is what we did: We established a budget amount for saving. That was "paid" first. The remaining cash was divided into two categories; large irregular expenses, such as insurance premiums and taxes, and everything else. Whatever ended up in the "everything else" category was ...
by jsl11
Mon Jun 09, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Addicted to saving?
Replies: 24
Views: 2534

Re: Still Nuts to Buy New Car for 10 Months?

Perhaps you can negotiate a 10 month lease. That would simplify everything.
Jeff
by jsl11
Sun Jun 08, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Still Nuts to Buy New Car for 10 Months?
Replies: 20
Views: 1842

Re: New water heater needed - local plumber or Home Depot, L

My water heater is getting up there in age. Is preemptive replacement recommended? You can extend the life of a water heater by replacing the anode. IIRC, this is recommended every 5 years or so. It is much less expensive than a new tank. I had a plumber do this recently, and the total cost was abo...
by jsl11
Sun Jun 08, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4237

Re: Am I thinking this correctly? Reinvesting in IRA's

When you take money from a taxable account, and put into an IRA, that is called a contribution. There is a yearly limit on contributions. Reinvesting within the IRA is not a contribution. So, your IRA funds can have dividend distributions and capital gain distributions. But, as long as you leave the...
by jsl11
Sat Jun 07, 2014 3:13 am
 
Forum: Investing - Theory, News & General
Topic: Am I thinking this correctly? Reinvesting in IRA's
Replies: 21
Views: 1264

Re: Gutter Strainer - Is this worth it?

We put vinyl covers on the gutters. They come in pieces 3 feet long. They have a slit for the water to run into. Most everything else is kept out. We have had them on the gutters for 7 years now, and have not had to have the gutters cleaned in that time. They were not expensive. The gutter company ...
by jsl11
Fri Jun 06, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1458

Re: Play money

sdsailing wrote:Vanguard total stock market (VTI). Must be the etf as 1K is below the min for investor shares.

I believe that 1K is the minimum for investor shares in the mutual fund.
Jeff
by jsl11
Fri Jun 06, 2014 2:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Play money
Replies: 17
Views: 1320

Re: Emergency Fund. Not Boglehead-ish?

The rationale is this: Consider a bad time in the economy. Recessions happen. Your stocks are down. You lose your job. It may take 6 months to find another one. Do you want to liquidate your investments at such a time? If you sell stocks you will lock in your losses. If you sell bonds, the risk leve...
by jsl11
Thu Jun 05, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: Emergency Fund. Not Boglehead-ish?
Replies: 28
Views: 1991

Re: Gutter Strainer - Is this worth it?

We put vinyl covers on the gutters. They come in pieces 3 feet long. They have a slit for the water to run into. Most everything else is kept out. We have had them on the gutters for 7 years now, and have not had to have the gutters cleaned in that time. They were not expensive. The gutter company c...
by jsl11
Wed Jun 04, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1458

Re: Annuity vs Mutual Fund IRA

Thank you Alan. That is most enlightening.
Jeff
by jsl11
Wed Jun 04, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity vs Mutual Fund IRA
Replies: 11
Views: 901

Re: Replacement checks?

johnny847 wrote:I'm fairly certain that you can only order checks through the bank that you have the account with....no alternatives.
I believe this is incorrect.
Jeff
by jsl11
Wed Jun 04, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1582

Re: Replacement checks?

Costco.
by jsl11
Wed Jun 04, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1582

Re: Annuity vs Mutual Fund IRA

An IRA account is subject to creditor protections per state statutes. Many states fully protect IRA accounts from creditors without the need to file BK. Some others adhere to parts of the federal bankruptcy Act and opt out of other parts. Check your state here http://www.aicpa.org/Publications/TaxA...
by jsl11
Wed Jun 04, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuity vs Mutual Fund IRA
Replies: 11
Views: 901

Re: Recommendation to blood pressure monitor?

If you can get your doctor to write a prescription for one, your health insurance may cover it. If so, ask your health insurance company what they cover and where you have to get it. In any case, once you get your new monitor, take it to a doctor and ask them to calibrate it against their equipment....
by jsl11
Wed Jun 04, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommendation to blood pressure monitor?
Replies: 9
Views: 560

Re: Cost of wills and trusts

You might want to say where you are located. The costs in New York City will not be the same as a small town in Iowa.
by jsl11
Tue Jun 03, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of wills and trusts
Replies: 6
Views: 861

Re: Target Date and Not a Number

My philosophy is "Don't take risks you do not need to take". I am retired and my allocation target is 35/65.
Jeff
by jsl11
Sun Jun 01, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date and Not a Number
Replies: 5
Views: 515

Re: funding a spouse's traditional IRA

You or your wife can contribute to the IRA subject to the allowed limit if either of you has earned income. The annual contributions to all IRA's cannot exceed the total earned income for the two of you. If you want authoritative info on IRA's take a look at IRA Publication 590.
Jeff
by jsl11
Sat May 31, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: funding a spouse's traditional IRA
Replies: 7
Views: 311

Re: Health Insurance Hell

The additional coverage with my current employer would have added another $400 a month premium and would have resulted in a $30 co-pay for the drug, which costs $2,733 a month without insurance. My prescription plan also has a $30 copay for brand name drugs. However, it also has a formulary. Any dr...
by jsl11
Fri May 30, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Hell
Replies: 32
Views: 3996
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