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Re: What does it take to become a Boglehead?

It took just one appearance by Jack Bogle on WSW with Louis Rukeyser in the early '80s to convince me.
by khh
Fri Jun 14, 2013 4:18 am
 
Forum: Investing - Theory, News & General
Topic: What does it take to become a Boglehead?
Replies: 31
Views: 2263

Re: Poll: How much cash do you carry?

I don't always carry cash, but when I do, it's around $20.
by khh
Fri Jun 14, 2013 1:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 5732

Li ion battery: Possible to damage by overcharging?

I've decided to go with the Kindle Fire HD 8.9, which uses a Li ion battery. Do you have to worry about overcharging it? Could you keep it on charge 24/7 for an indefinite period of time without damaging the battery?
by khh
Tue May 28, 2013 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Li ion battery: Possible to damage by overcharging?
Replies: 1
Views: 469

Re: Long term? A look at DJIA 5/26/96 - 1896

Since its inception on 07/01/1929, the Wellington Fund has had an 8.24% "average annual performance".

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by khh
Mon May 27, 2013 5:26 am
 
Forum: Investing - Theory, News & General
Topic: Long term? A look at DJIA 5/26/96 - 1896
Replies: 6
Views: 787

Re: Attention Mac Users - Vanguard Policy on On-line fraud

From Fidelity: You must work with us in our investigation, and we may ask that you take additional steps including, but not limited to, filing a police report, completing a notarized affidavit regarding the unauthorized transactions, cooperating and answering questions from Fidelity and law enforcem...
by khh
Sat May 25, 2013 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Attention Mac Users - Vanguard Policy on On-line fraud
Replies: 17
Views: 2594

Re: Attention Mac Users - Vanguard Policy on On-line fraud

What if you're accessing your VG account on an ipad or Kindle or smartTV?
by khh
Fri May 24, 2013 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Attention Mac Users - Vanguard Policy on On-line fraud
Replies: 17
Views: 2594

Re: What were the little things that led you to index invest

Not exactly little, but when I saw Jack Bogle on WSW, it was like the light bulb came on. I think this was in early 1984.
by khh
Fri May 17, 2013 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 3739

Re: Two questions regarding online security

I plan to use the tablet for Netflix and Rhapsody, so it looks like I'm good there. As for the tax documents, I requested they be sent via US mail.

Thanks for the advice, everyone.
by khh
Wed May 15, 2013 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Two questions regarding online security
Replies: 12
Views: 533

Re: THANKS, BOGLEHEADS, FROM JACK BOGLE

Belated happy birthday, Mr. Bogle! I was converted to the Boglehead way back in the '80s after seeing you on 'WSW with Lewis Rukeyser'. This was in early 1984, if memory serves. You've had a very positive impact on my life.
by khh
Wed May 15, 2013 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 5311

Two questions regarding online security

1. I need to print a couple of tax documents but I don't have a printer. Should I have any concerns about accessing sensitive financial info on a Fedex workstation computer and printing it out? 2. The local YMCA has free wi-fi and I'd like to use a tablet while I'm on the treadmill. Are there any pr...
by khh
Wed May 15, 2013 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Two questions regarding online security
Replies: 12
Views: 533

Re: Letter from IRS.....

Do these reviews/audits normally involve your most current return? How often, if ever, do they review prior years?
by khh
Wed May 15, 2013 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS.....
Replies: 40
Views: 6913

Re: pay down 1.99% mortgage?

How about a middle course. Pay $1000 extra per month, for example. Or pay the entire balance in, say, 3 years.
by khh
Mon May 13, 2013 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay down 1.99% mortgage?
Replies: 30
Views: 1969

Re: Securirty Camera System

...a DVR that holds 1 terabite of data,
How many hours of video does that work out to?
by khh
Thu May 09, 2013 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Security Camera System
Replies: 7
Views: 871

Re: wedding gift - tacky or not ....

scone wrote:If I got money as I gift I would assume the giver was paying to make the problem of gift giving go away, just as you might pay a kid to cut the lawn for you, relieving you of a boring, distasteful task.

How ungrateful and ungracious.
by khh
Tue Apr 30, 2013 9:27 pm
 
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 3189

Re: Any New York Times crossword solvers here?

You can do the USA Today crossword online daily. Has archived puzzles, as well.

http://puzzles.usatoday.com/
by khh
Mon Mar 18, 2013 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 1278

Re: Co-worker's wallet was stolen

I haven't seen my SS card for years and have no idea where it is. Do you actually need a SS card?
by khh
Tue Mar 05, 2013 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Co-worker's wallet was stolen
Replies: 27
Views: 2612

Re: How much do you spend in a week? (Mon-Sun)

Last year I spent about $1000/wk. That includes everything except state and federal taxes. No mortgage or rent to pay.
by khh
Thu Feb 21, 2013 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 3212

Re: How do you find Mrs. Boglehead?

Met my wife skydiving 10 years ago. We were going through a training program and ended up spending the better part of the day killing time in the hanger due to a weather hold. Went on our first date a couple of weeks later and never looked back. I've since learned not to complain about the weather....
by khh
Mon Feb 18, 2013 3:52 pm
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 10006

Re: 16.6%

Is this gross income or after tax?
by khh
Sat Feb 16, 2013 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: 16.6% [Savings Rate for Americans]
Replies: 22
Views: 2817

Re: Process to Invest $6 Million [Portfolio Help]

I'm curious as to whether people would advise splitting up the $6M between 2 or more MF companies.
by khh
Sat Feb 16, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Process to Invest $6 Million [Portfolio Help]
Replies: 17
Views: 2223

Re: How do you find Mrs. Boglehead?

How about a broad market index?

(donning flame resistant suit)
by khh
Thu Feb 14, 2013 6:45 pm
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 10006

Re: TIPS and other hedges against inflation

Would a 5-year CD ladder be a good option?
by khh
Fri Feb 08, 2013 3:50 am
 
Forum: Investing - Theory, News & General
Topic: TIPS and other hedges against inflation
Replies: 25
Views: 3118

Re: What's your usual retirement day like ?

0800 Get up. Ablutions. Read online paper. 0900 Plan rest of day 0930 Revise plan 1000 Nap 1200 Lunch 100 Wander aimlessly, then waste more time on internet 500 What's for dinner? 600 Eat 730 Jeopardy 800 Do stuff I planned to but never got around to 1100 zzzzzz Repeat as necessary. No time for bei...
by khh
Sat Feb 02, 2013 11:01 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35616

Re: What's a better term for 'retired'?

'Rat race challenged.'
by khh
Fri Feb 01, 2013 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's a better term for 'retired'?
Replies: 97
Views: 4854

Re: Happy Birthday Taylor

Happy birthday! Thanks for playing such a big part in making Bogleheads THE 'go-to' place for all things financial!
by khh
Fri Jan 25, 2013 4:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 3993

Re: Two Comma Club

A comma here, a comma there, pretty soon you're talking real money:)
by khh
Thu Jan 24, 2013 1:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23941

Re: Thank you, Jack Bogle !!

I first saw Jack Bogle on WSW with Louis Rukeyser in the early '80s and I was hooked. Everything he said had the ring of truth. It wasn't long before I put his philosophy into practice. Guess you could say I chose wisely:)
by khh
Sat Jan 19, 2013 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Thank you, Jack Bogle !!
Replies: 17
Views: 2818

Re: Are Bogleheads having less fun?

Hey, I happen to be as interesting as that Dos Equis guy.
by khh
Sat Jan 19, 2013 6:28 am
 
Forum: Personal Consumer Issues
Topic: Are Bogleheads having less fun?
Replies: 70
Views: 5540

Security question re EFTPS login

When you log in to the EFTPS website (Electronic Federal Tax Payment System® https://www.eftps.com/eftps/), you are asked for Social Security number, PIN and password. The PIN and password show up as dots (• • • •) when you type them in, but the SSN is not masked. It seems to me if it's important to...
by khh
Sat Jan 19, 2013 1:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Security question re EFTPS login
Replies: 1
Views: 205

Re: Good movies to stream on Netflix

'Helvetica'. You wouldn't think a documentary about a font would be interesting, but it really is good.
by khh
Thu Jan 17, 2013 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Good movies to stream on Netflix
Replies: 37
Views: 3618

Re: If you were to start a mutual fund, what would you name

If I were actively managing it, I'd call it the LMAO fund.
by khh
Thu Jan 17, 2013 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: If you were to start a mutual fund, what would you name it?
Replies: 38
Views: 1555

Re: Buying a tablet...which one?

Can both ios and android based tablets read pdf files? Can you play a radio station and surf at the same time? I have GoogleTV, which I love, but it can't do either of these.
by khh
Thu Jan 17, 2013 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Buying a tablet...which one?
Replies: 42
Views: 2885

Re: Verifying that IRS has processed my estimated tax?

I wonder if EFTPS would be less prone to make such a mistake. I don't know this to be true, but it seems like there would be less chance for human error with that system. I would also think a mistake would be easier to resolve since the record is accessible online. Edit - Another difference with EF...
by khh
Thu Jan 17, 2013 3:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Verifying that IRS has processed my estimated tax?
Replies: 24
Views: 2669

Re: Did you release your Personal CPI?

My health insurance went up 10%. I made several adjustments at the beginning of 2012, such as less expensive cable and cell phone service, and some others. My overall spending decreased by 6%. I've trimmed about as much fat out of my expenses as I want to, so 2013 will probably show a slight increase.
by khh
Thu Jan 17, 2013 2:46 am
 
Forum: Investing - Theory, News & General
Topic: Did you release your Personal CPI?
Replies: 20
Views: 1252

Re: Kindle Fire without a credit card?

I use the Perkstreet prepaid debit on Amazon without a problem.
by khh
Wed Jan 16, 2013 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Fire without a credit card?
Replies: 17
Views: 4089

Re: Your most intense movie scene

The Shawshank Redemption, when the cell door closes behind Andy Dufresne on his first night in prison.
by khh
Wed Jan 16, 2013 1:34 am
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9272

Re: Paper Shredder recommendation

A bit off topic, but a couple of years ago I finally got around to shredding everything that needed shredding. I filled a couple of big Rubbermaid containers and took them to 'Stop n' Shred' (or was it 'Shred n' Go'?). Anyway, I had bank statements and loan documents from as far back as the late 70s...
by khh
Sun Jan 13, 2013 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Paper Shredder recommendation
Replies: 28
Views: 3102

Re: Is it proper to feel "loyalty" to Vanguard?

I've been with Vanguard since the early '80s. Can't think of a single problem I've had with them.
by khh
Fri Jan 11, 2013 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it proper to feel "loyalty" to Vanguard?
Replies: 37
Views: 3235

CD purchase through VG - Which to buy?

I have CDs that expire tomorrow and I plan to buy a 5-year with the proceeds plus some additional cash I've accumulated. VG lists one expiring 01/16/2018 at 1.500%. It lists another expiring 03/19/2018 at 1.868%. That would amount to roughly a $2400 difference over 5 years. I did not include the 2 e...
by khh
Fri Jan 11, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: CD purchase through VG - Which to buy?
Replies: 19
Views: 1707

Bank failure and CD interest - Is it always lost?

The FDIC insures the principle up to $250K, but not the interest earned. I was wondering whether the interest earned was covered by another source, such as the takeover bank, or private insurance held by the failed bank. Or, would you be out of luck? I did a search and found this, which seems to say...
by khh
Wed Jan 09, 2013 4:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank failure and CD interest - Is it always lost?
Replies: 7
Views: 624

Re: Verifying that IRS has processed my estimated tax?

I am still reading the question differently than most. There are two aspects to a payment. 1) Did the Treasury Department receive my payment? One version of this is did they cash my check. 2) Did the Internal Revenue Service apply my payment to my taxes in my account? Number 2. Exactly . (thanks fo...
by khh
Tue Jan 08, 2013 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Verifying that IRS has processed my estimated tax?
Replies: 24
Views: 2669

Re: Verifying that IRS has processed my estimated tax?

I mail the checks certified mail/return receipt requested. And I print a copy of the cancelled check. I also mail the checks about 3-4 weeks before they're due so there's no question about their receiving and cashing the check prior to the payment due date. I had one payment lost by the state reven...
by khh
Mon Jan 07, 2013 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Verifying that IRS has processed my estimated tax?
Replies: 24
Views: 2669

Re: Verifying that IRS has processed my estimated tax?

I've used the Treasury's EFTPS for years and love it. It's very easy to use. The Electronic Federal Tax Payment System® tax payment service is provided free by the U.S. Department of the Treasury. After you've enrolled and received your credentials, you can pay any tax due to the Internal Revenue Se...
by khh
Mon Jan 07, 2013 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Verifying that IRS has processed my estimated tax?
Replies: 24
Views: 2669

Re: Gift card (or similar) gift

I bought 8 $100 Visa gift cards from Chase for Christmas. I had enough on deposit that they waived all fees. Check with your bank.
by khh
Sat Jan 05, 2013 8:10 am
 
Forum: Personal Consumer Issues
Topic: Gift card (or similar) gift
Replies: 31
Views: 1754

Re: How long before wine goes bad?

If you twist the cap back on tightly, it will last longer.
by khh
Fri Jan 04, 2013 7:28 pm
 
Forum: Personal Consumer Issues
Topic: How long before wine goes bad?
Replies: 29
Views: 2648

Re: Traditional IRA Non-Deductible Contributions

If you don't want to mess with it, can you just forget the 8606?
by khh
Fri Jan 04, 2013 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Traditional IRA Non-Deductible Contributions
Replies: 25
Views: 2056

Re: Vanguard "Extra" Fees?

My 401-k plan uses Fidelity. Our plan charges us $30/year ($7.50/quarter). This is not a Fidelity fee, this is our 401-k plan fee. Every three months, the plan sells a small amount of my mutual fund shares to withdraw the $7.50. I suspect this is what is happening to the original poster (although, ...
by khh
Thu Jan 03, 2013 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Extra" Fees?
Replies: 22
Views: 2383

Re: 2012 Boglehead Contest Winner is Tainted Meat

Is that a 0.084% difference?
by khh
Mon Dec 31, 2012 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: 2012 Boglehead Contest Winner is Tainted Meat
Replies: 24
Views: 2546

Re: Jack Bogle’s 6 books that every investor must read

You can read 'Extraordinary Popular Delusions...' online for free at http://www.gutenberg.org/ebooks/24518 Hunting, an industrious author of that day, who wrote a folio volume of one thousand pages upon the tulipomania, has preserved the folio wing list of the various articles, and their value, whic...
by khh
Mon Dec 31, 2012 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle’s 6 books that every investor must read
Replies: 10
Views: 1164
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