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Re: Taking out mortgage with zero down. Smart or no?

I bought my first house with a VA loan. None of the terrible things alluded to in some of the above posts happened to me. It's a good deal. If you need a house to live in, this is a good way to buy one. I don't understand all this talk about "no skin in the game"; you're going to be making...
by pjstack
Tue Jul 29, 2014 2:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 49
Views: 1897

Re: Where is your brokerage account?

I don't have a brokerage account anywhere; I own Vanguard mutual funds directly from Vanguard.

The response (above) from Nisiprius tells it all in a nutshell. (Pay close attention to posts by Nisiprius as he gives good info in good detail.)
by pjstack
Wed Jul 23, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2587

Re: VMMXX: Finally Pulled the Trigger

Do all funds we buy at vanguard remain on the monthly statement as a sort of history even if the balance is zero at the end of month - or it is on my statement because there was activity in that fund during the month? Yes, zero balance accounts still appear. My account still shows a zero balance fo...
by pjstack
Tue Jul 22, 2014 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 20
Views: 2670

Re: A question for the Bogleladies or those who can consult

I have no understanding of the issue involved, but I commend your courage in braving "no mans land".
I really think your daughters are your very best asset in solving your problem. They most probably know where best to go and what to buy.
by pjstack
Mon Jul 14, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5533

Re: Free Portfolio Tracker Like M*

Yahoo! Finance has a free portfolio tracker.

I've used Morning Star's tracker for years for free.
by pjstack
Sat Jul 12, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Free Portfolio Tracker Like M*
Replies: 4
Views: 583

Re: How I look at $ in the real world vs my retirement accou

Don't forget, you haven't "lost" anything until you sell. You aren't at your destination until you get off the bus. Just because the bus goes into a part of town you don't want to be in doesn't mean you have to get off there. :D In the mean time, just keep playing Candy Crush on your phon...
by pjstack
Wed Jul 09, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5788

Re: Why not include gold?

But WHY do all governments think it is important to have gold reserves? Why is Germany trying to "repatriate" its gold from the UK? If gold is so worthless, why do nations squirrel away tons of it? Really, I'm serious. No one here has explained that, and I'm curious. Here is one explanati...
by pjstack
Wed Jul 09, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3786

Re: Why not include gold?

But WHY do all governments think it is important to have gold reserves?

Why is Germany trying to "repatriate" its gold from the UK?

If gold is so worthless, why do nations squirrel away tons of it?

Really, I'm serious. No one here has explained that, and I'm curious.
by pjstack
Wed Jul 09, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3786

Re: Lump Sum or Monthly Pmts

$1056/month equals $12,672 per year. That goes into $128,000 a little over ten times.

If you think you might live longer than ten years, take the $1056/month!
by pjstack
Sun Jul 06, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Monthly Pmts
Replies: 9
Views: 836

Re: Paperless Statements (bank checking acct)

My question is: why do you want to save all this crud? Why, or when, will you ever need a two year old checking/saving account statement?

Why keep this stuff, either in paper or on disk?
by pjstack
Sun Jun 29, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Rachel is everywhere!

I have an answering machine.

Most robocalls hang up when my machine answers. Those that don't are easily ignored.

I only answer when someone I recognize calls.
by pjstack
Sat Jun 28, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Rachel is everywhere!
Replies: 10
Views: 1357

Re: Ideas on how deal with estate with tons of items

What is she going to do with a "daily list"? Does she know anything about old coins, cars, etc.?

Does your wife feel that she will be cheated out of the value of all the stuff that her father accumulated? She could always fly to OH and see for herself.
by pjstack
Fri Jun 27, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Ideas on how deal with estate with tons of items
Replies: 29
Views: 2404

Re: Paperless Statements (bank checking acct)

I admit to Luddite tendencies too, but I keep track of my checking account balance on-line (daily), so I don't really need the monthly statement (electronic).

I don't even bother to download or even open it any more.
by pjstack
Thu Jun 26, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Help devising winning roulette system

Hilarious!

Thanks for the visual! It proves his system does work. You will never lose!
by pjstack
Tue Jun 24, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3104

Re: Help devising winning roulette system

Ah, memories of youth! In 1959 I was stationed at Nellis AFB (just outside Vegas) and I "discovered" a winning roulette "system". I was delighted! Much easier than working! I was a 2nd Lieutenant at the time. I played my "system". It worked! Until it didn't. I lost $60....
by pjstack
Mon Jun 23, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3104

Re: Gold and Silver as an Insurance Policy?

But, WHY do all countries of the world have gold reserves? The U.S. has Fort Knox and some large vault in New York city. China is buying (and mining) gold. And, if gold and silver are so worthless, why are all these hypothetical bandits going to steal it from you? Our coins (1964 and before) were 90...
by pjstack
Sun Jun 22, 2014 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold and Silver as an Insurance Policy?
Replies: 37
Views: 2011

Re: water bottles and road trip

Gosh! The Pioneers really had it tough! Imagine, no stores along the way in which to buy water. But, they didn't have plastic to worry about, so perhaps it evened out. I used to use a 5 gallon Igloo cooler (filled with tap water), but I had a van so there was no space problem. I traveled all over th...
by pjstack
Sat Jun 21, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1815

Re: when the rubber hits the road

In keeping with what you propose as the subject of the discussion, I offer the following: I have simplified my "portfolio" to two funds, a balanced 60/40 fund and the Total Stock market fund. I have set up an automatic monthly investment amount taken from my military pension. I have writte...
by pjstack
Wed Jun 18, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: when the rubber hits the road
Replies: 19
Views: 1840

Re: The Death of Savings Bonds

I didn't read the poll very carefully! I just assumed those figures in the thousands were dollars!

Who in the world has thousands of individual bonds? That (if they were paper) would surely fill up the old bank safety deposit box!
by pjstack
Mon Jun 16, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3475

Re: Frustration with medical providers

I have Medicare plus a supplemental insurance policy that pays the 20% that Medicare doesn't pay. Medicare periodically sends an Explanation of Benefits (EOB) accounting in the mail. In it I see the initial hospital/doctor/testing charge (usually astonishingly high), the next column shows Medicare &...
by pjstack
Fri Jun 13, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Frustration with medical providers
Replies: 24
Views: 1739

Re: Time to Sell Index Funds While Market Is High?

Don't forget the taxes you generate when you sell. They are another drag on your market timing attempts.
by pjstack
Thu Jun 12, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3692

Re: Edward Jones came to my door

This must be a long standing practice for EJ because a few years ago (more than two, anyway) an EJ guy rang my doorbell. I told him no thanks and that my investments were with Vanguard. He waved good bye and headed to the next house.
by pjstack
Wed Jun 11, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Edward Jones came to my door
Replies: 44
Views: 2715

Re: I Bond buy value [Buying I-Bonds in Quantity]

Well, when you buy via Treasury Direct, it's just a lump amount (as far as I know, not having done it), but you can redeem any amount you choose. (Someone correct me if I'm wrong.) The only way you can buy paper bonds in discrete amounts (now) is through income tax refund. The amounts are $1,000, $5...
by pjstack
Wed Jun 11, 2014 12:58 am
 
Forum: Investing - Theory, News & General
Topic: I Bond buy value [Buying I-Bonds in Quantity]
Replies: 6
Views: 1011

Re: What are you doing with the market at an all time high?

An "all time" high? Oh,no! It'll never be this high again? Can I have that in writing? What is the OP going to do? By the way, what could we do if it really is the all time (from now until the end of time) high? Stop investing? That doesn't seem sensible. It seems to me that the market wou...
by pjstack
Sun Jun 08, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6509

Re: How to deny having a stroke?

If a bystander is alarmed enough by your looks or behavior to call 911, you might not be the best judge of your own condition.
by pjstack
Sun Jun 08, 2014 3:05 am
 
Forum: Personal Consumer Issues
Topic: How to deny having a stroke?
Replies: 13
Views: 1777

Re: How Do You Transfer Your Money?

I have a set amount deposited every month directly from my checking account to a mutual fund of my choice.

It's my regular checking account, not a separate (or "special") checking account.
by pjstack
Fri Jun 06, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Do You Transfer Your Money?
Replies: 24
Views: 2630

Re: Would you work without pay?

Well, what have you decided to do?

(I don't believe you are actually asking for advice. How the heck would any one of us know what is best for you?)
by pjstack
Thu May 29, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4008

Re: Poll test

You need another choice: "It depends on the size of the pin".
(There are some industrial pins that are pretty big.)
by pjstack
Fri May 16, 2014 5:57 pm
 
Forum: Forum Issues and Administration
Topic: Poll test
Replies: 16
Views: 620

Re: Taking a leave of absence for one year

Just be careful! I had often heard about people "taking a year off", and I said to myself, "Imagine! Being rich enough to take a year off!" So, when I retired from the Air Force in 1979 I thought,"Now's my chance!" So I took a year off. When the year was up, I said, &q...
by pjstack
Wed May 14, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 2745

Re: Taking a leave of absence for one year

Just be careful! I had often heard about people "taking a year off", and I said to myself, "Imagine! Being rich enough to take a year off!" So, when I retired from the Air Force in 1979 I thought,"Now's my chance!" So I took a year off. When the year was up, I said, &qu...
by pjstack
Wed May 14, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 2745

Re: Is the Vanguard Balanced Index Fund all I need?

I've noticed that the term "all time high" is used frequently, but I don't think the users really understand what that term really means. "All time high" means that the market will never rise to that level again. The market will forever be lower than it is right now. Do people re...
by pjstack
Wed May 14, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all I need?
Replies: 59
Views: 5686

Re: what is the hardest financial decision?

I checked Asset Allocation. It's really just a guess, isn't it? At least it was for me.
by pjstack
Sun May 11, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is the hardest financial decision?
Replies: 55
Views: 4974

Re: Why do we pay ER fees?

I really don't understand the original question. ER stands for Expense Ratio, and running a fund (or a lemonade stand, for that matter) generates expenses. People have to be paid, equipment, computers, etc. have to be purchased/maintained, and so on. You can't run a business without expenses. How co...
by pjstack
Sat May 10, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why do we pay ER fees? [Expense Ratio]
Replies: 22
Views: 2120

Re: Anybody solve this problem? [washer hose issue]

Duct tape!! (The all-purpose cure all for everything!!
by pjstack
Fri May 09, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Anybody solve this problem? [washer hose issue]
Replies: 15
Views: 1460

Re: Charitble Remainder Annuity/Unitrust Trusts

Gill wrote:The taxes don't "go away". The capital gain will be distributed to you with the payouts.
Gill

That's true. But, the deduction from the original donation is substantial(at least in my case).

Remember, Unitrusts are a charitable donation, not really an investment.
by pjstack
Wed May 07, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Charitble Remainder Annuity/Unitrust Trusts
Replies: 7
Views: 437

Re: Charitble Remainder Annuity/Unitrust Trusts

I set up a charitable remainder unitrust by donating some GE stock left to me upon my father's death. Although the University of New Hampshire is the recipient upon my death, the actual investment is handled by TD Wealth Management. (TD=Toronto Dominion branch in the U.S.) The payout is 5% of the en...
by pjstack
Wed May 07, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Charitble Remainder Annuity/Unitrust Trusts
Replies: 7
Views: 437

Re: Free Dinner Binge?

Your "geezer mail" is better than mine! I just get catalogues for diapers and canes!
by pjstack
Mon May 05, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Free Dinner Binge?
Replies: 23
Views: 2465

Re: Default: "Joint Tenancy" or "Tenancy in Common" (Virgini

The OP still hasn't said if these assets are his/hers or are someone else's or an inheritance , etc.
And I'm not quite sure what he/she means by "default". Something is titled or not, has a beneficiary or not.

We don't really know what the real question is.
by pjstack
Sun May 04, 2014 2:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Default: "Joint Tenancy" or "Tenancy in Common" (Virginia)
Replies: 11
Views: 802

Re: Default: "Joint Tenancy" or "Tenancy in Common" (Virgini

I understand that if assets are held "tenancy in common", then a will is needed to disburse assets. Correct? That doesn't seem right to me. Assets go as they are titled. Are you talking about your assets, or something you/someone has inherited? See a lawyer. It will be cheaper in the long...
by pjstack
Sat May 03, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Default: "Joint Tenancy" or "Tenancy in Common" (Virginia)
Replies: 11
Views: 802

Re: TOD for personal property

Sure there is! a reason for someone living in Ohio to learn the laws of Ohio and not the laws of California. I'm confused. I reviewed the posts and didn't see California mentioned anywhere. Anyway, I suspect the disposition mentioned by the OP in his last post happens all the time. A simple will sh...
by pjstack
Thu May 01, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: TOD for personal property
Replies: 13
Views: 836

Re: Are I Bonds a part of your portfolio?

Yes, I own I-Bonds.
They are about the only tax deferred avenue available to me because my military pension is not considered earned income (therefore ineligible for IRA's).
by pjstack
Wed Apr 30, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 4053

Re: Does everyone have an Emergency Fund

No, I don't have an "emergency" fund. I am retired on a military pension. My mortgage is paid off. My credit card(s) have been sufficient to handle any minor emergencies (car breakdown, house repairs, etc.) If a "huge" emergency were to occur, I guess I'd have to tap my mutual fu...
by pjstack
Wed Apr 30, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does everyone have an Emergency Fund
Replies: 51
Views: 4621

Re: Easy way to view graph of portfolio?

Or, you could try this site:
http://stockcharts.com/freecharts/perf. ... MX%2CVBIAX

It allows you to enter several stock/bond/fund symbols and see them on the same chart.
by pjstack
Wed Apr 30, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Easy way to view graph of portfolio?
Replies: 3
Views: 344

Re: What to say to financial planners/insurance brokers

Someone told me long ago that a good salesman has an answer for everything except "NO".
I have found this to be true.
Just say "no". Repeat as necessary. No explanations, excuses, etc. Just "no".
Especially no explanations, unless you really want to prolong the agony.
by pjstack
Wed Apr 23, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to financial planners/insurance brokers
Replies: 45
Views: 13160

Re: Question about Probate cost

P.S. While other states have TOD deeds for real estate, CA is not one of them. https://www.nolo.com/legal-encyclopedia/free-books/avoid-probate-book/chapter5-1.html Yes, that's true. We almost had a law that permitted TOD for houses, but it became over-complicated in the legislature and failed pass...
by pjstack
Mon Apr 21, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about Probate cost
Replies: 17
Views: 1196

Re: Possible fraud? Getting mail about a car I don't own.

I get occasional letters from a Toyota dealership saying they "need" my model/year Toyota and will pay $xxx for it.

I did not buy my car at that dealership but I did take it in for maintenance once, so I guess I'm on their list forever!
by pjstack
Sun Apr 20, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Possible fraud? Getting mail about a car I don't own.
Replies: 16
Views: 1601

Re: Tax cost of "one fund in taxable"

I have already taken the OP's approach, and for the same reason. I chose the 60/40 balanced fund, but I also kept a little Total Market to try and balance against my I-Bonds.
by pjstack
Sun Apr 20, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Tax cost of "one fund in taxable"
Replies: 7
Views: 1110

Re: Does Vanguard charge Rebalancing fees?

Of course, there are taxes involved if you sell a fund (in taxable accounts, not IRA's).
by pjstack
Fri Apr 18, 2014 12:28 am
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard charge Rebalancing fees?
Replies: 19
Views: 1621

Re: Child's Roth

sscritic wrote:I promised I wouldn't look again, but then see what happened? I am so ashamed of looking stuff up for other people. I really have to stop.

Awwww! I hope you never stop! You are a boon to the instruction-impaired.
by pjstack
Tue Apr 15, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1462
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