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Re: CNN: 5 investing secrets of the wealthy.

Not once do they suggest buying the total stock/bond market to control fees/risk/panic, or to avoid wasting time. I got that from #2 but maybe that was me reading between the lines: "Our high-net worth clients spend less time on that [picking next hot stock] and instead focus on wanting to own...
by runner9
Tue Sep 30, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 18
Views: 2763

CNN: 5 investing secrets of the wealthy.

http://money.cnn.com/2014/09/30/investing/investing-secrets-wealthy/

Could these get any more Boglehead-ish? If they are not spot on they sure are close!
by runner9
Tue Sep 30, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 18
Views: 2763

Re: How can I stop feeling depressed about my finances?

Your fundamental mistake was choosing to pursue an English degree. Try pursuing another field more aligned with the compensation you desire. Really? :oops: What degree do you suggest instead? :?: There's plenty you can do with an English degree and it doesn't involve being a petroleum transfer tech...
by runner9
Mon Sep 29, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6036

Re: Paid off mortgage today

Can I ask, did you make a Sept 1 payment and then this as a "payoff" late in the same month? Our mortgage is with PenFed and I project us to be able to pay if off Jan 1 but am hoping to just do it late in December so it's in the current calendar year. (going to call and ask if possible soon)
by runner9
Sun Sep 28, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 25
Views: 2769

Re: Selling car with loan.

Silly me.

So: 20-5+3=18K.
by runner9
Sun Sep 28, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 501

Re: Selling car with loan.

From my first post:

Say, $20K for new car
$5K for trade in
$3K note on trade in.

20-5+2=17K. Is it that easy?

Is this correct for determining what the final bill is to pay or finance?
by runner9
Sun Sep 28, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 501

Re: Selling car with loan.

Thanks for the responses.

I'm going to push my sibling to get a quote from Carmax and then within 7 days buy the new car and offer it as a trade, taking whichever is better.

Any ideas on how to loan factors in when selling as a trade-in or to Carmax? (both responses appreciated, are to private sale)
by runner9
Sun Sep 28, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 501

Re: Paid off mortgage today

Congrats!

Does it officially become paid off on Monday or Oct. 1 or today?

Regardless, congrats. We hope to do the same in a few months.
by runner9
Sat Sep 27, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 25
Views: 2769

Selling car with loan.

My sibling wants to sell a current car that still has a loan on it. (not going into if this is a good idea, etc. here) Just trying to understand how this would play out if the car was traded in or sold on their own. I don't know if they'd get what they owe. (just asked sibling for what is owed and w...
by runner9
Sat Sep 27, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 501

Re: Stamps cheaper at Staples than at USPS ?

BJs always has stamps slightly cheaper. I think 100 stamps is something like 75 cents or $1 cheaper than current "face" value (realizing "face" is actually "forever")
by runner9
Sat Sep 27, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Stamps cheaper at Staples than at USPS ?
Replies: 12
Views: 1220

Re: headphones for running

In terms of volume..... I just did a half marathon this morning. Had music at my normal volume and talked to people off and on during the race with no problem. When the HM split from the marathon and relay runners a lady with a relay bib on her back split with us. We yelled up ahead, only about 15 f...
by runner9
Sat Sep 27, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1547

Re: headphones for running

It depends on the volume. I run with headphones but can hear over them very easily. I don't consider it a safety issue at all.
by runner9
Fri Sep 26, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1547

Re: headphones for running

I use these: http://www.amazon.com/gp/product/B003CJTR82/ref=wms_ohs_product?ie=UTF8&psc=1 . They have never (almost never?) jiggled out of my ear canal, even with lots of jumping. The cord has survived lots of sweat (though I did have to replace the first pair at exactly the one year mark last...
by runner9
Fri Sep 26, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1547

Re: Vanguard Quarterly Dividends in September

http://research.archives.gov/description/541927

The big sign says "soup coffee & doughnuts" with the first part covered.
by runner9
Thu Sep 25, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5018

Re: Rise of the Hackers - PBS 24-Sep-2014

I was only able to watch the first 10 minutes or so, the rest is DVR'd. Very interesting and creative way for stealing the account info for that Wired reporter's accounts. Amazon used to accept credit card info over the phone? They said all the loopholes used have been fixed, but that one just doesn...
by runner9
Thu Sep 25, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Rise of the Hackers - PBS 24-Sep-2014
Replies: 2
Views: 641

Re: HAPPY BIRTHDAY, VANGUARD

Found this memo sent today by Jack Bogle: http://www.philly.com/philly/blogs/inq-phillydeals/John-Bogles-40-year-history-of-Vanguard.html https://about.vanguard.com/who-we-are/a-remarkable-history/ Vanguard sets their date as May 1, 1975. Click on "Historic Milestones" at the above link: 1...
by runner9
Wed Sep 24, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY [40th] BIRTHDAY, VANGUARD
Replies: 16
Views: 1493

Re: We have a grocery problem... [Household budget]

dolphinsaremammals wrote:
gloomydog wrote:There is a lot of food wastage too as weekly I'd throw away moldy bread or spoilt milk...


I keep bread objects in the freezer and microwave slices when I need them.


+1 but I toast them, or just leave them out (buns).
by runner9
Wed Sep 24, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10615

Re: operating cost of this forum

Is there a way that my computer would recognize this site? I keep forgetting to use bogleheads link. I would like to support this site. What about taking the link from the home page and making a link in your favorites, or on the favorites bar, simply called "Amazon" Then if you click that...
by runner9
Tue Sep 23, 2014 7:18 pm
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 42
Views: 5230

Re: Cricket wireless experience

We've had Cricket since May and have no issues. Only one place (MIL house) where there's no reception but others with full Verizon plans have the same issue.

[OT comments removed by admin LadyGeek]
by runner9
Tue Sep 23, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1778

Re: Vanguard Quarterly Dividends in September

I don't have a taxable account, just Roth IRAs, Rollover IRA and 403b, all of which are reinvested automatically. Therefore I didn't think of the effects on taxable, etc.
by runner9
Tue Sep 23, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5018

Re: Vanguard Quarterly Dividends in September

Not trying to be mean, but why do we care so much to check repeatedly, etc? I'll just wait and check in a few days, if even then.
by runner9
Tue Sep 23, 2014 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5018

Re: Trouble changing SS direct deposit

We tried yesterday, did the first page with name, address, birthday, SSN, etc. clicked next and it gave a one line message, something like: "We're sorry, a mySSN account could not be completed for this social security number. Please contact us for additional assistance." (best I remember t...
by runner9
Sun Sep 21, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trouble changing SS direct deposit
Replies: 6
Views: 599

Re: Basketball systems: In Ground or Portable?

When I was growing up we had an in ground one. To make it more steady my dad filled the metal pole with concrete to about 4 feet above ground. Worked great until we outgrew it. Ended up digging a long narrow trench from the pole outward so we could lay the post down and cover it with soil and grass....
by runner9
Sun Sep 21, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 887

Re: Vanguard monthly statement availability(Website)

I have the same experience as red5. Only quarterly unless there's activity.
by runner9
Sun Sep 21, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard monthly statement availability(Website)
Replies: 9
Views: 919

Re: We have a grocery problem...

I find going to the grocery store multiple times a week helps us keep our food waste down, as we don't have uncooked food going bad. It does help to have a local discount chain, a regional supermarket chain, and Aldi within 2 miles of our house and 1 mile of each other. Last night I went to the loca...
by runner9
Fri Sep 19, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10615

Re: Trouble changing SS direct deposit

Thanks, old account is certainly staying open until a deposit is made in the new account.

Based on responses, will try online this weekend if my parent is willing.
by runner9
Thu Sep 18, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Trouble changing SS direct deposit
Replies: 6
Views: 599

Trouble changing SS direct deposit

My surviving parent has worked with a lady at the local social security office to change my deceased parent's account, etc without any issues. Now my surviving parent has 2 checking and is trying to close the one SS direct deposit goes into. Local SS lady was called in Aug, said no problem, it would...
by runner9
Thu Sep 18, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Trouble changing SS direct deposit
Replies: 6
Views: 599

Make Link show as title instead of URL?

How do I insert a link and have the text show as the linked page's title, instead of URL? I see it all the time and it looks so much cleaner but I don't know how to do it. For instance, it would be great if I could have this link below show as a blue underlined "Detectible Warnings-US Access Bo...
by runner9
Wed Sep 17, 2014 6:06 am
 
Forum: Forum Issues and Administration
Topic: Make Link show as title instead of URL?
Replies: 5
Views: 348

Re: Repair/maintain the BMW or get a new car?

I ended up selling the BMW to a good friend, and purchasing a base model Accord for a very good price and 0.9% financing. Pretty happy with my decision so far. No comparison in how these cars drive, but I just couldn't justify keeping a car like a BMW to be basically a garage queen. I hope the good...
by runner9
Mon Sep 15, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2187

Re: Gifting planning for upper 60s widowed.

Thank you for all the responses. Please keep them coming! CORRECTION: income is 51% STRS (Ohio teacher pension), 37% pension from a Fortune 500 company, 12% social security. My surviving parent owns a house outright. Pension has a 2% COLA built in. Subject to change, Ohio repealed it's estate tax Ja...
by runner9
Sat Sep 13, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1421

Re: Gifting planning for upper 60s widowed.

Annual income does not include anything from the portfolio.

Income is social security and ohio teachers pension (STRS).

CORRECTION: income is 51% STRS (Ohio teacher pension), 37% pension from a Fortune 500 company, 12% social security.
by runner9
Fri Sep 12, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1421

Gifting planning for upper 60s widowed.

One of my parents died in April. The surviving parent is considering wanting to gift some money to 2 children. I’m trying to help with some guidance on how different amount would affect the future, what accounts any gifts would come out of, etc. Surviving parent is upper 60s, healthy and active. 2 c...
by runner9
Fri Sep 12, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1421

Re: How can I change my password?

http://www.bogleheads.org/forum/viewtopic.php?f=3&t=113249

[Thread merged into here, see below. The link above will no longer work. --admin LadyGeek]
by runner9
Mon Sep 08, 2014 12:22 pm
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 532

Re: Credit Card Account [Automatically Closed] due to inacti

In my wife's situation (see above) we were not sent anything. I read every piece of mail, for sure, nothing was sent to notify or warn, either before or after the fact.
by runner9
Sun Sep 07, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 1970

Re: Automatic Closing of Credit Card Accounts due to inactiv

Happened 2.5 years ago to my wife's card. Now the only card we rarely use in person has a monthly automatic charge from one company, and then pays itself with an automatic payment from checking.

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=93246
by runner9
Sun Sep 07, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 1970

Re: Suggestions for the Wiki

On this page: http://www.bogleheads.org/wiki/Long_Term_Care_Insurance#Tax_implications the what's included in schedule A is from 2010.

Current figures are found here (scroll slightly):
http://www.irs.gov/publications/p502/ar02.html#en_US_2013_publink1000178974
by runner9
Sat Sep 06, 2014 3:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 271
Views: 101467

Re: Anyone have experience with AtticFoil Radiant insulation

From that electricity thread I was lead to Home Depot and then this product website: http://www.reflectixinc.com/basepage.asp?Page=Products&PageIndex=758 They, aand link below, both say the most benefit is in southern/warmer climates. One even says to add more thermal insulation instead in north...
by runner9
Fri Sep 05, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have experience with AtticFoil Radiant insulation
Replies: 12
Views: 762

Re: chip credit cards

Every time (Home Depot issues) I think oh, I wish my bank would send a Chip card instead of one with a magnetic strip I remember that I have yet to visit a store that has a reader for chip cards:( Hopefully soon...
by runner9
Thu Sep 04, 2014 6:52 am
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1549

Re: Coin Counting Machines

I just use the coins I have the next time i go to the store. That way I never have more than $1 in coins. This of course is only for two places, Aldi is one, that don't take credit cards.
by runner9
Wed Sep 03, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4063

Re: Paper or plastic?

Honest question. For those of you who don't ever get plastic bags at the grocery store, what do you use to line your trash cans? We used them as much as possible but not always. Occasionally we forget, especially when getting just 1 item. I don't take reusable bags into stores like Lowes, Party Cit...
by runner9
Mon Sep 01, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2874

Re: Help me evaluate a standby generator quote

I suggest getting 2 additional quotes if possible, then compare. Are they similar? If so you're in the ballpark.
by runner9
Sun Aug 31, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1961

Re: Getting on Track

I would get rid of the car loan as quickly as possible, be it through a refi or paying it off, etc. What state are you in that 24% is legal?

That's just my opinion, as best I could follow your post.
by runner9
Sat Aug 30, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting on Track
Replies: 14
Views: 1498

Re: Father died. How to handle his company stock?

When one of my parents died and had a JTWRS at Vanguard (taxable) Vanguard let us decide what percentage was owned by each half, they said it could be 50/50 or 80/20 or 100/0 so we said the deceased parent owned 100%, and the surviving parent now has a stepped up basis for the entire amount. That d...
by runner9
Fri Aug 29, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2139

Re: Father died. How to handle his company stock?

Ohio was the state I was referring to.
by runner9
Fri Aug 29, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2139

Re: Father died. How to handle his company stock?

You don't need any records. There is a basis step-up on death. Sell the stock immediately. Wait what? I thought a spouse's stepped up basis was only half (since they don't get stepped up on their portion). Am I misunderstanding??? You are correct IF the assets were held JOINTLY. This may or may not...
by runner9
Fri Aug 29, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2139

Re: LED lightbulbs

I bought a Cree 60 LED a few weeks ago, my first LED bulb. We like the more daylight colors, so that's what was bought for 10.97 at Home Depot. So far I'm happy with it, it is much cooler than a CFL, but still somewhat warm. We'll probably switch to more LED as the CFLs burn out. I'll get the 6pack ...
by runner9
Thu Aug 28, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 196
Views: 16486
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