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Mutual fund account with Vanguard or MerrillEdge?

sp500: I am a great believer in simplicity and I would open the accounts with Vanguard and not bother with Merrill. My previous dealing with Merrill Lynch makes me suspect something ugly will arise when you try to move the account after 180 days......... I would expect the "financial advisor&qu...
by shawcroft
Thu Jul 24, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 30
Views: 1055

Thank you, Taylor...

I absolutely agree and am delighted to join you- and many other Bogleheads- in a salute to a respected colleague and a member of the Greatest Generation of Americans.
Shawcroft
by shawcroft
Thu Jul 24, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Thank you, Taylor...
Replies: 2
Views: 534

Re: Adding Corporates to Total Bond Market Index

IGovernment officials and regulators have been very specific that next time, corporate bond holders would share 'more of the pain' in any rescue operation. Everyone has seen what Ireland did (guaranteeing the bonds issued by the banks-- see Michael Lewis, Boomerang ) and that it put a huge burden o...
by shawcroft
Tue Jul 22, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6558

Wellesley Income

Islander and Christine: Thanks for your ideas. I had never considered (actually, had never known about) Equity Income. Wellesley was suggested to me by a Garrett Planner as a fund for my R-IRA on the horizon........it was appealing but I began to wonder about using the funds within the RIRA -as well...
by shawcroft
Mon Jul 21, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellesley Income
Replies: 3
Views: 1195

Re: Which Bernstein Book?

You cannot go wrong reading a book by Bill Bernstein. If I were to suggest one of the three you have listed, I would read "the Four Pillars".... If you want to "switch up" on reading styles, I would suggest Rick Ferri's "All About Asset Allocation" as the second one.......
by shawcroft
Mon Jul 21, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Which Bernstein Book?
Replies: 27
Views: 1861

Wellesley Income

I have a 401k for a former employer which I plan to rollover shortly into an IRA at Vanguard. The VG Total Bond fund was available in the 401k and I plan to move that directly into (I guess this is sort of “in-kind”) my new RIRA. That was the only VG fund offered and the remainder of stuff is mostly...
by shawcroft
Mon Jul 21, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Wellesley Income
Replies: 3
Views: 1195

Re: Smokers [for cooking]

From this discussion, I take it the smokers are primarily intended for cooking large cuts of meat or poultry and the charcoal or gas grills are for the hamburgers, hot dogs, and steak. (correct me if I am wrong). The idea of a smoker certainly appeals to me- let things slowly cook for an hour or so-...
by shawcroft
Mon Jul 14, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4504

Re: The (unsung) top 5 list of things to take care of.

VictoriaF wrote: Celebrating 200th birthdays may become quite common.
Victoria


My wife would shoot me long before then!
Shawcroft
by shawcroft
Fri Jul 11, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: The (unsung) top 5 list of things to take care of.
Replies: 5
Views: 1368

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

[quote="nisiprius"]T Now, why did it have less risk? He throws around the figure about the US being $17 billion in debt, without actually comparing it to anything. Yes, it's an (incomprehensibly) large number". I wish the US government was only $17 Billion in debt. A simple typo.....I...
by shawcroft
Fri Jul 11, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6524

The (unsung) top 5 list of things to take care of.

Today's BBC Radio 2's popular call-in show featured its regular personal finance expert today. He was asked to come in and talk about the top 5 things to take care of in personal finance that aren't on regular top 5 lists. Laughlinlvr: Some different- and valuable- perspectives on personal finance....
by shawcroft
Fri Jul 11, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: The (unsung) top 5 list of things to take care of.
Replies: 5
Views: 1368

Re: Do rising rates spell doom for REITS

nisiprius wrote:Recap: Rising rates risk REIT reverse? Rarely right. Responsible reasoning reassures readers: research reveals REITS remain relatively robust.


Required reading regarding REITS revenues

Shawcroft
by shawcroft
Thu Jul 10, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Do rising rates spell doom for REITS
Replies: 8
Views: 2684

How to Handle a Multi-Generational Trust

quote="Gill"] An easy way to tell if a bank trust representative is trying to mislead you is to look at their face to see if their lips are moving. Shawcroft Thanks! :x That's how I spent my entire career. I hope you don't really believe that. Do you know what a fiduciary is? Gill[/quote] ...
by shawcroft
Thu Jul 10, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2809

Re: How to Handle a Multi-Generational Trust

Also, I want to thank you for the excellent research you did on trust departments in the thread you pointed me to earlier. Boy, you did a lot of leg work. I want to do the same very soon now. Paul: Thanks for your kind words. I never expected to do as much as I did- more questions seem to arise aft...
by shawcroft
Thu Jul 10, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2809

Re: How to Handle a Multi-Generational Trust

[quote="smackboy1"][quote="PBB"]Situation: You're in a good position. With the amount of assets, the doors are open to most institutional trust companies and asset management companies. PBB: I agree with Smackboy- you are indeed in a good position. Having spoken with a number of ...
by shawcroft
Wed Jul 09, 2014 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2809

Bank law-violations

Wow!
indeed!
and these clowns are "too big to fail".....don't get me started.
Shawcroft
by shawcroft
Wed Jul 09, 2014 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bank law-violations
Replies: 4
Views: 956

Re: Barbecue Set [Cooking tools]

If you happen to purchase via Amazon, you may want to go through this website (link at the top right side of the screen) if you wish to help out. Likewise: Thanks for the links I do use the Boglehead link whenever I buy stuff from Amazon but it is good to always remind folks to do that. It is painl...
by shawcroft
Wed Jul 09, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1112

Re: How to Handle a Multi-Generational Trust

Yes, I also believe that Vanguard is well suited and situated to last the life of the trust. I will stick with Vanguard. I will also look into their trust department. If they can administer the trust, mores the better. Paul: There has been a ongoing discussion over the past 2-3 years about the Vang...
by shawcroft
Wed Jul 09, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2809

The Vanguard Total Stock Market Index Fund - Largest Fund

"Does this change anything?" Yes. It greatly reduces the billions of dollars each year that the investment industry takes from uninformed investors. Taylor: Indeed! I hope the news articles which mention this situation generate even more interest by uninformed investors about the value of...
by shawcroft
Tue Jul 08, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund - Largest Fund
Replies: 6
Views: 1915

Re: Barbecue Set [Cooking tools]

This thread is now in the Personal Consumer Issues forum (BBQ set). I also retitled your thread. If want to change the thread title, just edit the Subject: line in Post #1. Lady Geek: Thanks for clarifying the title. I appreciate the work you- indeed all of the moderators- do to keep the Boglehead ...
by shawcroft
Tue Jul 08, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1112

Barbecue Set [Cooking tools]

A practical question.... We would like to buy a barbecue set for a young family who just got ( as a July 4th surprise gift from the wife's parents ) one of those big Weber gas grills....I think the model number is 320. They haven't set it up yet and next weekend they plan to try things out.. We told...
by shawcroft
Tue Jul 08, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1112

An Old Stock Certificate Question

Interesting discovery. Any idea how long ago the original stock ( evidenced by the certificate) was purchased? The certificate should have a date on it which shows when it was issued- not necessarily the same as the date the stock was purchased. But it will tell you the stock was purchased no later ...
by shawcroft
Tue Jul 01, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old Stock Certificate Question
Replies: 11
Views: 735

The old wood cellar stairs

daytona084 wrote:If you are worried that the stairs will be too slippery, just add some sand to the final coat of paint or varnish.

Daytona:
Thanks for the suggestion- never thought of adding a bit of sand to the final coat.
Shawcroft
by shawcroft
Thu Jun 26, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Old wood cellar stairs
Replies: 18
Views: 1412

Re: Old wood cellar stairs

Three flights access to just the basement? Are these in fact servants' stairs? No, they are just the "standard" wood stairs leading out from the poured concrete basement to the backyard. The access to them is via a Bilco door. I may not have been very clear about that in my first post. Th...
by shawcroft
Thu Jun 26, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Old wood cellar stairs
Replies: 18
Views: 1412

Old wood cellar stairs

then sanded the steps with a belt sander (to get them back to flat) then an orbital sander at 80 then 100 grit to get them smooth again. Rubbed on some stain and two coats of high build oil based polyurethane. arkerr: Good suggestions. I didn't think about sanding them with a belt sander but that w...
by shawcroft
Tue Jun 24, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Old wood cellar stairs
Replies: 18
Views: 1412

Old wood cellar stairs

Our older son bought a house several months ago...built in the mid-1950's. He is slowly making progress on a number of projects and will be replacing the Bilco doors (original to the house) soon. The wood stairs below the Bilco look like they have never had anything applied to them but they do appea...
by shawcroft
Tue Jun 24, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Old wood cellar stairs
Replies: 18
Views: 1412

Craftsman Shop-Vac replacement filters

How can you need a new filter after only a month? Do you realize that you can clean them? Like: No, I didn't know you could clean them. Just clean it with water even though it is made of paper? For the past month, we have been cleaning out two basements and an attic, the second basement was our old...
by shawcroft
Thu Jun 19, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 608

Craftsman Shop-Vac replacement filters

I got a 12 gallon 5 HP Sears Craftsman shop vac as a gift about a month ago. It works great. Now I need to replace the filter cartridge. At about $20, the ones in the Sears store seem quite pricey to me. I went online but there seems to be some confusion about which generic replacement would be the ...
by shawcroft
Thu Jun 19, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 608

Re: Intra-Family Mortgage

letsgobobby wrote: The 80% lender required a document that the 10% from my dad was in fact a gift, and not a loan. Dad none too happy about providing it Well you learned that your father was an honest man, up until the point you wanted him to be dishonest. Well, I appreciate my colleagues thoughts ...
by shawcroft
Mon Jun 09, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intra-Family Mortgage
Replies: 32
Views: 2714

Forbes & Index Funds

Chaz:
Thanks.
Seems to be a lot more commentaries on index funds out there these days. Now awaiting the active manager rebuttals
Shawcroft
by shawcroft
Thu Jun 05, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forbes & Index Funds
Replies: 2
Views: 558

Re: Fees Better Predictor Than Past Performance

Jack has done a real service to investors. SGM: + 2 on your thought. His work over the past 50 years has simply been outstanding. It was a delight for me to meet him ( as well as Taylor Larimore) at recent Boglehead Conferences. Our younger son met him at BH-12 and is really in awe of him. Shawcroft
by shawcroft
Tue Jun 03, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Fees Better Predictor Than Past Performance
Replies: 8
Views: 897

"Is Bogle Befuddling?"

This is a great discussion. I do have a question and that comes from my a bit of my own befuddlement. I have considered - but not - acted on adding a corporate bond fund, mostly because I have an established asset allocation in the 65% equity-35% fixed income range. Our VG Total Bond Fund holdings a...
by shawcroft
Tue Jun 03, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7055

"Lower Your Fees. Boost Your Returns."

Thanks, Taylor: A delight to read your posts, as they always contain common sense. As we approach Memorial Day 2014, I would again like to thank you and your colleagues of the Greatest Generation for your military service during World War II and your contributions to the nation thereafter. It was an...
by shawcroft
Sat May 24, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: "Lower Your Fees. Boost Your Returns."
Replies: 5
Views: 1137

Can I be a boglehead and join a golf club?

Frugalhen: Being a Boglehead isn't equivalent to living in a cave.......though I would probably do that if I hadn't married and gotten my wife accustomed to living in a house. If you can afford it and will fully utilize all the features of the club membership, enjoy! Remember, golf (as Mark Twain is...
by shawcroft
Sun May 11, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4572

Re: Thank you, Mr. Bogle

+4
I completely agree with your thoughts about Mr. Bogle, as I am certain many thousands more do as well.
Shawcroft
by shawcroft
Sat May 10, 2014 10:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Mr. Bogle
Replies: 2
Views: 435

Bankers will notice the size of your account!

RJM: Welcome to the Land "across the Pond". If you want to have someone trustworthy review your plan, I would suggest a Garrett Financial Planner. You seem to have a wary view of bankers, one which was probably developed by prior bad experience. Be particularly wary of "Wealth Managem...
by shawcroft
Fri May 09, 2014 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it take to make a banker notice you ?
Replies: 32
Views: 4319

Re: Free Dinner Binge?

Mickeyd:
Outstanding dinner plans. Please report on what you learned from these "educational discussions at which no financial products are sold"
Shawcroft
by shawcroft
Tue May 06, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Free Dinner Binge?
Replies: 23
Views: 2465

Outdoor fire pit?

This thread is about two years old and I am curious if any of my colleagues have gotten ( or built) a fire pit since these comments were posted. One of our neighbors gave me a Frontgate catalog and the copper fire pit they offer really looks nice...just pricey.
Shawcroft
by shawcroft
Tue Apr 22, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Outdoor fire pit? Yea or Nay
Replies: 62
Views: 7225

Re: FORUM REACHES 2,000,000 POSTS TODAY

Wow!
Great accomplishment. My thanks to all the folks who work so hard to keep the Forum up and running and to the contributors who make it so vibrant and informative.
Shawcroft
by shawcroft
Tue Apr 22, 2014 4:08 pm
 
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 54
Views: 9955

Re: Vanguard Personal Advisor Services

So "what got you here will keep you here" as the saying goes. Keep listening to those that made you wealthy (perhaps yourself), not the newly minted CFP/registered rep/insurance agent/bank rep who hasn't two nickels of his own money to rub together and gets his "advice" out of a...
by shawcroft
Sat Apr 19, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4572

Re: Vanguard Personal Advisor Services

Personally, my choice of financial adviser (once I reach the 2-comma club) will be the one whose advice got me to Flagship status already. Anybody can steer a ship in the middle of the deep water. For me, it's the one who's shown me how to navigate around the shoals and reefs that I want by my side...
by shawcroft
Sat Apr 19, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4572

Vanguard Personal Advisor Services

I've notice more comments about this service in the financial press and the thought is interesting to me- for the same reasons friar mentions below...... However, one of my concerns is that if I predecease my wife (which the actuaries say will probably happen), she will not be interested in/capable ...
by shawcroft
Sat Apr 19, 2014 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4572

Short-term Bond Index Fund

In the past, I've seen several folks mention using Vanguard's Short-Term Bond Index fund as a place to park a 6-12 month emergency fund. (I believe Bill Bernstein also used it as a component in his "Coward's Portfolio" a few years back). Is anyone still using this fund as a place for their...
by shawcroft
Thu Apr 17, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 14
Views: 2125

A "Boglehead" seen in the daylight!

Indeed,
From what Gail reports, it appears Bogleheads numbers are increasing and we are beginning to see them coming out of their caves and moving about in the daylight.
Shawcroft

(just kidding, folks!)
by shawcroft
Wed Apr 16, 2014 1:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 12573

Re: Vanguard Statements

sscritic wrote:That's the HFS guys. (High Frequency Statements)


Leave it to sscritic to offer the most astute observation.

Shawcroft
by shawcroft
Wed Apr 16, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Statements
Replies: 8
Views: 771

Buy I-bonds in April, 2014 or wait after May 1?

: The inflation index at the end of March was 236.293, a 0.92% increase over the 234.149 recorded at the end of September 2013. This should mean that the new I Bond inflation-adjusted rate will go an annual rate of 1.84% for six months beginning May 1. I am sort of shocked the rate will be rising, ...
by shawcroft
Tue Apr 15, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 9036

Re: Repainting a bathroom wall

I would further suggest, rather than take my or your friends advice, to go to a full service paint store that caters to professional painters (that is not the local Home Depot or other big box store and also not the local general purpose ACE hardware store) and heed their advice. \Rodc: Yes, thanks...
by shawcroft
Wed Apr 09, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Repainting a bathroom wall
Replies: 8
Views: 634

Repainting a bathroom wall

A practical question. One of the sheetrock walls in our bathroom has begun to "flake" a bit up near the ceiling and needs to repainted- which I can do. But I've gotten conflicting advice as to what to do.....everyone says to sand the flaking area smooth. After that, the differences appear....
by shawcroft
Wed Apr 09, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Repainting a bathroom wall
Replies: 8
Views: 634

Vanguard Statements

sscritic wrote:Given the posts here, I would expect the number to be in the thousands.


sscritic: an ominous observation.

Indeed, I fear the world as we know it is going to end because the Vanguard statements are a few days late.
Shawcroft
by shawcroft
Sat Apr 05, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Statements
Replies: 8
Views: 771

Gas Grill - Natural Gas vs Liquid Propane

This series of posts is about 3 years old. Are there any current views on the advantages/disadvantages of having a direct link-up to natural gas versus a propane tank for a gas grille. The warmer weather is (in theory) soon to arrive in our home state (Connecticut) and we have been considering a gas...
by shawcroft
Tue Mar 18, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Gas Grill - Natural Gas vs Liquid Propane
Replies: 46
Views: 7250

My dream car?

My dream car has always been a 1955 Ford Thunderbird with the detachable porthole hardtop cover. This selection just shows my age.....I've always loved that car and the newer Thunderbird version didn't light my lights.
Shawcroft
by shawcroft
Sat Mar 15, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 10895
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