Search found 811 matches

by shawcroft
Tue Jun 30, 2015 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 47
Views: 2542

Unknown phone calls

Over the past several months, we've gotten an increasing number of phone calls from all sorts of callers: These include "private caller", "number blocked", "US survey", "credit alert" and a lot from a group named "telefund". We're on the do-not-call ...
by shawcroft
Sat Jun 27, 2015 8:13 am
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 33
Views: 4567

Re: "Target Date Funds Are Riskier Than You Think"

Tech-Arch: Always useful to read other perspectives. Compared to just the one risk of having a "financial advisor" investing your funds by following the "suitability" standard, a Vanguard Target Date Fund looks simply wonderful. As usual, Taylor Larimore says it succinctly: In my...
by shawcroft
Fri Jun 26, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Distribution Question
Replies: 8
Views: 1046

The Dividend Distribution Question

Poboy: Starting in the late 1970's, I enrolled in dividend reinvestment services for several individuals shares we owned. Thought this would help use grow our holdings while on "automatic pilot" ( No thought about whether these were actually good companies to, own over many years) When the...
by shawcroft
Tue Jun 09, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bank of America Corporation InterNotes??
Replies: 9
Views: 785

Re: Bank of America Corporation InterNotes??

I don't like either of these funds, because of the inflation risk. A 4% yield is nice, but much of that yield is a promise to pay you a large number of dollars 25 years from now, and you don't know what those dollars will buy. I prefer a bond portfolio which is more diversified over time as well as...
by shawcroft
Sat Jun 06, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: D-Day message from France
Replies: 27
Views: 2965

D-Day message from France

Indeed, my thanks to the French for remembering- and honoring- the sacrifices made by so many Americans ( and other Allied troops) to restore liberty to France- and many other nations during the Second World War France and the United States have had a long and honorable friendship for more than two ...
by shawcroft
Tue May 19, 2015 7:14 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri Launching A Robo Advisory
Replies: 12
Views: 2953

Rick Ferri Launching A Robo Advisory

Great idea.
I know some younger folks who will be interested in learning more about this when it is available
Shawcroft
by shawcroft
Mon May 11, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Happy Mother's Financial Day!!
Replies: 4
Views: 618

Happy Mother's Financial Day!!

Professor:
Thank you for your message briefly outlining the highly consequential matter of family concern. I hope you have been able to simplify the financial administration of key matters on behalf of your family.
Regards,
Shawcroft
by shawcroft
Sun May 10, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Happy Mother's Financial Day!!
Replies: 4
Views: 618

Re: Happy Mother's Financial Day!!

Professor Emeritus wrote: Setting that up is why we transferred key assets out of Vanguard. They just didn't get it.


Professor: Please "s'plain" (to quote Ricky Ricardo)

I do not follow your comment.

Shawcroft
by shawcroft
Fri May 08, 2015 3:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 2372

Happy Birthday Mr. Bogle

Hope you have a very happy birthday and enjoy many more of them. We all look forward to seeing you in October
Best regards,
Shawcroft
by shawcroft
Fri Apr 24, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4289

A Great List of Useless Financial Porn Phrases

Let me add another gem I heard recently from some JP Morgan folks ..

"These are our high-conviction recommendations"

Shawcroft
by shawcroft
Sat Apr 04, 2015 11:02 pm
Forum: Investing - Theory, News & General
Topic: VBILX vs VBMFX
Replies: 21
Views: 5037

Re: VBILX vs VBMFX

I can't speak for others, my use of Total Bond is mostly a shrug. It's diversified, it's sort of what Vanguard puts forward as a core bond fund, and I can't convince myself anything else is better, certainly not better enough to switch. But intermediate-term bond index is perfectly reasonable. Larr...
by shawcroft
Fri Mar 20, 2015 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Resident with New Job in NY: 401k and State Tax Questions
Replies: 5
Views: 629

Re: NJ Resident with New Job in NY: 401k and State Tax Quest

David:
Your description of the New Jersey tax situation was "spot on", as my BIL is a retired accountant in NJ and has dealt with these NY, NJ, CT, and PA tax issues. Use to drive him nuts until he read all the regulations (and kept track of the changes),
Shawcroft
by shawcroft
Mon Mar 16, 2015 10:01 pm
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4946

Re: Ice Dams - now what?

Well, sounds like the whole state is well represented here! I'll chime in to ensure another Nutmegger is represented (we're in downstate Connecticut) We had the same ice dam problemforonly the second time in the 30+ years we have been in the house. (I described my adventure in an earlier thread) I ...
by shawcroft
Mon Mar 09, 2015 6:25 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Why Vanguard is Secretive on Stock ETF's
Replies: 13
Views: 1638

Re: Today's WSJ (March 9th, 2015)

Thanks for the mention.. I'll look for them in my next library visit........ Shawcroft Usually, Googling on the exact title within quotation marks, optionally followed by "wsj"... for example, "How To Survive a Bear Market" wsj and then clicking on the appropriate Google hit, wi...
by shawcroft
Mon Mar 09, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 24
Views: 2187

My attic air leak blocking checklist

Roof ventilation will go a long way to solving ice dams. Without it, all the insulation in the world won't help. Also, seems counter intuitive, but if you have a basement check for air leaks down there (windows, outside intrusions, etc), especially anywhere that electrical, plumbing, etc, goes to t...
by shawcroft
Mon Mar 09, 2015 5:04 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Why Vanguard is Secretive on Stock ETF's
Replies: 13
Views: 1638

Re: Today's WSJ (March 9th, 2015)

Thanks for the mention..
I'll look for them in my next library visit........
Shawcroft
by shawcroft
Sun Mar 08, 2015 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving MorganStanley
Replies: 12
Views: 1618

Leaving Morgan Stanley

I would freeze any investment authority you may have given him just to make sure your MS broker doesn't do any trading to "help you".
Shawcroft
$95 will be one of the best investments you will make.....
by shawcroft
Sun Mar 08, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 24
Views: 2187

Re: My attic air leak blocking checklist

This is certainly a timely discussion. I was going to post a related question. We've had ice dams in our gutters ( we're in Connecticut) for only the second time in the 30 years we have been in this house. However, to my surprise, small icicles have been hanging from several- but not all- of the rou...
by shawcroft
Sun Mar 08, 2015 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: "Bogleheads," representativeness, the 0.1%, and thanks
Replies: 12
Views: 1937

Re: "Bogleheads," representativeness, the 0.1%, and thanks

I am truly impressed by the amount of posts made by these "core" membesr. My thanks to them and to all colleagues who post on this Forum, no matter how large or limited the number. I have posted some arcane questions in the past (arcane being a diplomatic word which covers a multitude of m...
by shawcroft
Thu Mar 05, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 6313

not sure about my adviser

Take the plunge. Move to vanguard. Davdoir: Scamp has offered some good advice I was in your situation back in 2008, just with a different brokerage company. I was "only" in 16 funds. You have 28 funds and your wife has 32! (Might be some be some overlap but, still, WOW ) I, too, was busy...
by shawcroft
Mon Mar 02, 2015 11:33 pm
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 6169

Taylor Larimore Honored

Indeed, well-deserved recognition.
Congratulations!
Shawcroft
by shawcroft
Mon Feb 23, 2015 11:38 pm
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 48
Views: 7029

Supreme Court to hear fiduciary duty/high cost funds case

FYI - I merged ResearchMed's thread into here. Great timing with the Supreme Court case. That lawsuit is over the Lockheed Martin Stable value fund. You can find the original lawsuit at the US Gov't Publishing Office: 09-8022 - Anthony Abbott, et al v. Lockheed Martin Corporation, et al (March 15, ...
by shawcroft
Mon Feb 23, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4839

How much has Bogleheads contributed to your net worth?

Building off what was HurdyGurdy wrote: "Just taking into account the amount of savings due to low expense rates"........and then adding in the value of diversifying our portfolio and holdings to reflect age and need to take risk, I would guess things are about 35-40% higher. More importan...
by shawcroft
Fri Feb 20, 2015 4:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 42
Views: 7887

Re: Vanguard merged Mutual fund + brokerage - anyone have ye

JamesSFO wrote:
livesoft wrote:I think they call it Fidelity which is a catchy name for the combined setup.


I'm glad I wasn't drinking milk while reading this it would have snorted out. Awesome Livesoft, awesome.


Indeed, Livesoft has a wonderfully wry sense of humor...
Shawcroft
by shawcroft
Fri Feb 20, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 3114

Re: Poll: Largest fraudulent charge to your credit card(s)?

I had a fraudulent $400 gasoline purchase at a Marathon station in Ohio- done at virtually the same time I was in a Home Depot in Connecticut. Penfed caught it, called my cell phone, verified the fraud, and killed the card within 20 minutes. So, I avoided the Home Depot problem...but used another ca...
by shawcroft
Fri Feb 20, 2015 12:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1232

Fund Fees

Interesting question....and answer. I never thought about how this was done. An even more interesting question would be to ask the "robber barons' of the mutual fund game (JPMorgan, ING, Hartford et al) how they calculate their expense ratios....would probably either get stonewalled or a desult...
by shawcroft
Thu Feb 19, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Chase?
Replies: 10
Views: 1135

Do Not Use Chase

I would not recommend dealing with Chase brokerage. You will be very sorry if you do.
Shawcroft
by shawcroft
Thu Feb 19, 2015 10:47 pm
Forum: Personal Consumer Issues
Topic: Update: Scanning 35 mm slides and film
Replies: 13
Views: 1910

Update: Scan 35 mm slides with ION digitizer

Has anyone used the Ion Audio slide digitizer? One of my friends out in Chicago said he has used it and it works well. I hadn't heard of it before- is anyone familiar with it?
Shawcroft
by shawcroft
Tue Feb 17, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Tax Efficiency of Dividends
Replies: 3
Views: 813

Berkshire Hathaway Tax Efficiency of Dividends

I believe a Geico,a wholly-owned subsidiary of Berkshire Hathaway, purchases these securities for its investment portfolio. Perhaps someone can enlighten me on how such dividends are taxed if they are part of the reserves of an insurance company. Somehow I have to believe Warren has this all figured...
by shawcroft
Mon Feb 16, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 98
Views: 22930

Vanguard National Trust Company

BTW, you may find this site to be of interest. Among other things, it indicates that Vanguard's trust company had about $700 million under management in "personal trust and agency accounts" as of 12/31/2010. (The trust company's total assets under management are much higher, as it also ho...
by shawcroft
Thu Feb 12, 2015 12:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 14140

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Alex:
You're right. We need a full-court press on this one.
Shawcroft
by shawcroft
Wed Feb 11, 2015 10:50 am
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 14140

John C. Bogle's Presidential Medal of Freedom?

I've signed- as did my wife.
I'll ask folks I know to do this.....
Shawcroft
by shawcroft
Mon Feb 09, 2015 2:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 14140

Where is John C. Bogle's Presidential Medal of Freedom?

Mel: Is there anything individuals (such as we Bogleheads) can do to "further animate" this recommendation? Can we submit endorsements of this recommendation? I am dismayed no response was received...not even a "we've got it and we will let you know" from someone who you could co...
by shawcroft
Fri Jan 30, 2015 8:24 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 5098

Re: The lowest stock allocation you plan to stay with

We're at 60% equities; 40% fixed income....and moving towards 50/50 within the next 5 years and likely drift further down over time but not go lower than 40% equities.
Shawcroft
by shawcroft
Tue Jan 27, 2015 11:02 pm
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 8016

Chaos, complexity and entropy [for non-physicists]

Great article.....and an even more enlightening discussion by my colleagues.
Thanks to all
Shawcroft
by shawcroft
Tue Jan 27, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 3103

Fidelity or Schwab Brokerage account

I must be missing something. I only know how my own company options worked so this may not be generally true, but are your options not already in a brokerage account of your company's choosing? Mine were, so I just exercised & sold them there and took out the proceeds. If your options are not i...
by shawcroft
Sun Jan 25, 2015 5:34 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 5368

WHAT EXPERTS SAY ABOUT

HAPPY BIRTHDAY, TAYLOR!
It was a delight to have met and spoken with you in 2013 and I hope to have the opportunity again
Best regards,
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1942

Re: Be careful: Turbo Tax and Foreign Tax Credit

Thanks for the alert, David.
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5751

Best online checking account

The plot thickens! I called Capitol One 360 and spoke with a "live representative". I asked if Capitol One 360 (CO-360) uses the Allpoint ATM network ( he said yes). I then asked if access to the 55,000 worldwide ATM's included in the Allpoint ATM network was available to CO-360 customers....
by shawcroft
Tue Jan 20, 2015 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 1276

Re: Switching from Vonage to Ooma Phone Service

Pardon this "stupid question" Ooma calls are free to Canada? Really? We have some relatives up North and we have been using phone cards to call them. I started with Ooma about 4 years ago and calls to Canada back then ( to my recollection) were not free. Have the service offerings changed?...
by shawcroft
Tue Jan 20, 2015 6:00 pm
Forum: Investing - Theory, News & General
Topic: "The ABCs of Common Sense Investing"
Replies: 11
Views: 1776

"The ABCs of Common Sense Investing"

Taylor:
Boglehead wisdom distilled to poetry....simply stated: marvelous...!
Shawcroft
by shawcroft
Tue Jan 20, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5751

Free international ATM use?

I'll probably add either Ally or Capitol One as an online bank to stash our 6-12 months "emergency fund. We've been thinking about it for a few months Over the weekend, I noticed that Capitol One offers surcharge-free use of the ATM's in the Allpoint network. When I looked at the Allpoint netwo...
by shawcroft
Wed Jan 14, 2015 11:28 pm
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 2310

VFWAX, VTIAX AND TLH

I'm considering a TLH from VTIAX into VFWAX. While not massive, the tax loss would be useful. Has anyone done that recently?
Shawcroft
by shawcroft
Tue Jan 06, 2015 3:01 pm
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1553

REIT predictions for 2015

Because REITs are tax-inefficient , I'm guilty of "tilting" a bit towards REITS in my tax-deferred account. Since I also have the Total US Stock Market index fund in my holdings, I'e begun to wonder how much 'tilt" towards REITs I actually have. I think I read on the Forum that REITs ...
by shawcroft
Tue Jan 06, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 79
Views: 13321

Ally Bank, Amex Bank, or Capitol One online

I noticed this timely discussion thread. I am considering using one of these organizations for an online savings account, since they seem to offer the best rates currently available (0.75-0.87) I'm sure it is easy to open an account and deposit money. Is any one of these more difficult to withdraw m...
by shawcroft
Sat Dec 27, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 935

7 inch reel-to-reel tape [Transfer music to CDs]

You don't even need Audacity (which is available at no cost). You can do it with GarageBand. I'm afraid I keep forgetting the details as I don't do it very often, but you can do it with GarageBand. The main reason for preferring GarageBand would be that if you already know how to use GarageBand! Ah...
by shawcroft
Sat Dec 27, 2014 3:15 pm
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 935

Re: 7 inch reel-to-reel tape

prudent wrote:What kind of outputs are available on it?


Prudent: From what I see on the side of the tape player, they are two RCA style outputs..right and left.
Shawcroft
by shawcroft
Sat Dec 27, 2014 2:41 pm
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 935

7 inch reel-to-reel tape [Transfer music to CDs]

First, holiday greetings to all! I have about ten 7 inch reel to reel tapes of Christmas/ holiday music which I recorded back in the 1970's. I've played them for 2-3 days each year on an aging Sony tape player as background music during dinner and when opening presents. ( I like the Sony but I would...
by shawcroft
Fri Dec 26, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1985

Re: Electric Stove question

shawcroft, you've likely solved your problem by now; but for future reference and use, the website AppliancePartsPro http://www.appliancepartspros.com/ is a terrific resource for troubleshooting, repair videos, and ordering the parts required. I have used them numerous times with considerable succe...
by shawcroft
Wed Dec 24, 2014 9:28 pm
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1985

Electric Stove question

I'm going with the temp sensor. Hard to believe an oven will get to 370 in 2 mins. If you / availible friendlies are DIY types, I've had good luck with sears parts direct for appliance parts. The comments from my Boglehead colleagues led me to believe it is likely the temperature sensor. I got a re...

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