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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
Fri Apr 24, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 3608

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
Sat Apr 04, 2015 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: VBILX vs VBMFX
Replies: 21
Views: 4768

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
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: 574

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 16, 2015 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4624

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 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ - Why Vanguard is Secretive on Stock ETF's
Replies: 13
Views: 1527

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 5:22 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 24
Views: 1981

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

Thanks for the mention..
I'll look for them in my next library visit........
Shawcroft
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: 1527

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 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving MorganStanley
Replies: 12
Views: 1484

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 10:39 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 24
Views: 1981

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
Sun Mar 08, 2015 10:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "Bogleheads," representativeness, the 0.1%, and thanks
Replies: 12
Views: 1767

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
Thu Mar 05, 2015 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5802

Taylor Larimore Honored

Indeed, well-deserved recognition.
Congratulations!
Shawcroft
by shawcroft
Mon Mar 02, 2015 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5579

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 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 39
Views: 5916

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
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: 4344

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 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 37
Views: 6699

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 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2690

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
Fri Feb 20, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1151

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 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chase?
Replies: 10
Views: 1090

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
Thu Feb 19, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Update: Scanning 35 mm slides and film
Replies: 13
Views: 1872

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
Tue Feb 17, 2015 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Tax Efficiency of Dividends
Replies: 3
Views: 755

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
Mon Feb 16, 2015 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 98
Views: 22339

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
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: 12434

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
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: 12434

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
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: 12434

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
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: 4657

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 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7624

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
Tue Jan 27, 2015 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 3012

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
Sun Jan 25, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 4807

Re: Be careful: Turbo Tax and Foreign Tax Credit

Thanks for the alert, David.
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: 1832

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 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5344

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 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 1150

"The ABCs of Common Sense Investing"

Taylor:
Boglehead wisdom distilled to poetry....simply stated: marvelous...!
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: "The ABCs of Common Sense Investing"
Replies: 11
Views: 1742

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
Tue Jan 20, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5344

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
Wed Jan 14, 2015 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 2052

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 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1489

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
Tue Jan 06, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 74
Views: 11294

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 9:40 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 908

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 3:15 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 908

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
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: 908

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
Fri Dec 26, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1939

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...
by shawcroft
Wed Dec 24, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1939

Electric Stove question

We have a GE electric range, about 20 years old. Its been working fine since it was installed back in 1995. The only thing which I replaced was lower bake element and I did that about 2 years ago. We've been baking stuff (cookies, brownies, cake) for the holidays over the past 2 days and noticed thi...
by shawcroft
Tue Dec 23, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1939

The Wealthfront Direct Indexing Platform

Yes, and great steps for new young investors, which is part of the Wealthfront / Betterment schtick. I feel like Vanguard is missing a great opportunity by learning how both of those companies have engaged that market. Making vanguard.com less intimidating taking some cues from wealthfront and bett...
by shawcroft
Sun Dec 14, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 5032

U.S. stocks in freefall

At the risk of having bricks thrown at me for engaging in some "market timing", might this be a good day to consider rebalancing...if your asset allocation is in need of it?
Shawcroft
by shawcroft
Tue Dec 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 240942

Re: Net Unrealized Appreciation on stock in a 401K?

Uncle Pennybags: You may have lost the NUA option for the shares in the second account.....are the company shares in the second account clearly identified by date of acquisition or some other clear "demarcation" or have they been "co-mingled"? If they have been co-mingled, I don'...
by shawcroft
Sat Dec 06, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1061

Re: Net Unrealized Appreciation on stock in a 401K?

the other I transferred some funds in and out and my cost is 80% of market value. I think the one fund you have not touched- and have not taken any distributions from- is probably still "pristine" for NUA treatment. As for the other, I'm not certain what you did with the company stock in ...
by shawcroft
Sat Dec 06, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1061

Thank you, Taylor...

I too have benefited from Taylor's 'gentle' guidance, and I was also very fortunate to meet and talk with him at BH13. My wife, our younger son, and I were also privileged to meet and speak with Taylor at BH13. It was one of the highlights of the meeting. He- and Jack Bogle- are wise and gracious g...
by shawcroft
Sat Dec 06, 2014 10:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2456

Re: Most Hated Brokerage Firm? [or one that you love]

To my colleagues:

"Hated " is pretty strong word and I wouldn't use it to describe my feelings toward Merrill Lynch....

I prefer the words: "Violently Detest" :twisted:

Shawcroft
by shawcroft
Thu Dec 04, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11415

The RMD question

To my colleagues: A full day of searching the internet and lots of interesting things found: First, the new IRS pre-tax/after-tax guidelines outlined in Notice 2014-54. Could be very helpful to folks having post-tax funds in their 401(k)'s Second, a private letter ruling discovered on FindLaw (PLR 9...
by shawcroft
Wed Dec 03, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 758

Re: Fidelity or Schwab Brokerage account

Zecht: Yes, it has to one of four (Fidelity, Schwab, UBS, or Merrill Lynch) because the company I used to work for has those 4 organizations - and only those 4- handle its option exercise program. I'm quite happy with Vanguard but cannot use them for this program. So, if I am "stuck" openi...
by shawcroft
Wed Dec 03, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 3012
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