Search found 836 matches

by shawcroft
Sat Aug 29, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 65
Views: 5809

Ant Control

edge wrote:I would suggest actively looking for how the ants are entering your home. Other critters can probably get in the same way and potentially damage it.


Excellent observation. although not as small as an ant, I have seen mice get into surprisingly small openings near the foundation.
Shawcroft
by shawcroft
Sat Aug 29, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: REITs: The one Tilt that Makes Sense?
Replies: 47
Views: 3077

REITs: The one Tilt that Makes Sense?

Another thing I keep coming back to — and perhaps this is a naive way of thinking — is that there is virtually no Boglehead author (except Jack Bogle, of course) that *doesn't* recommend a dedicated allocation to REITs. Just think about it: Bernstein, Clements, Ferri, Malkiel, Schultheis, Swedroe, ...
by shawcroft
Tue Aug 18, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: I don't think these people have consumers best intersts at heart
Replies: 10
Views: 1977

these people clearly do not have consumers best intersts at heart

I saw one of these "public service" ads recently and suspected its origins. We are likely to see more of these ads in the months ahead as the "discussions" in 2106 intensify. I am amused by the "Apple Pie and American Way" presentation of these ads.
Shawcroft
by shawcroft
Mon Aug 17, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Life Insurance Trust (ILIT) - worth it for term life and/or other purposes?
Replies: 52
Views: 2304

Re: Irrevocable Life Insurance Trust (ILIT) - worth it for term life and/or other purposes?

patriciamgr2 wrote:bsteiner: Thank you for once again providing valuable information to the Forum. Many of us have benefited from your posts. Thanks.

Patricia:
I agree. bstainer's Forum contributions- and explanations- have been very helpful to many, myself included.
Shawcroft
by shawcroft
Sun Aug 02, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 35
Views: 4265

Re: Is Being a Private Banking Client Worth it?

This list could go on and on, but again people here don't like the unknown. I love Boglehead strategies for common investors, but it's not a coincidence that the most sophisticated investors with the most assets choose private banks. Shucks, I guess we Bogleheads just ain't sophisticated enough to ...
by shawcroft
Thu Jul 30, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: "The Maleficent 7" by Bob Seawright/Above the Market Blog
Replies: 4
Views: 753

Re: "The Maleficent 7" by Bob Seawright/Above the Market Blog

Absolutely wonderful article. Thanks for the link
Shawcroft
by shawcroft
Thu Jul 30, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 16
Views: 4179

Rick’s Top Ten List of When Not To Invest

Rick:
Outstanding list of common sense practices with regard to investing. Now, (as my mother would say) if only common sense wasn't so uncommon...
Shawcroft
by shawcroft
Mon Jul 27, 2015 7:50 am
Forum: Investing - Theory, News & General
Topic: Another look at dividend paying stocks
Replies: 57
Views: 5562

Another look at dividend paying stocks

Thanks, Larry Yes, this is very interesting. I have a BIL who is big into this practice. While some can identify companies which have raised their dividend each year for 15-20 years ( AKA "dividend aristocrats") dividend declarations are at the discretion of the Board of Directors and subj...
by shawcroft
Sat Jul 25, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 2317

WSJ Personal Finance and Investing Articles

It took me about 2 weeks to suspect the weekend edition of the WSJ had undergone another convulsion. Now, alas, you have confirmed my suspicions. Once they started the weekend edition, I thought it was the best edition of the WSJ- and when it was just $2 a copy, probably the best bargain going on cu...
by shawcroft
Sat Jul 25, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 4091

Low mileage oil change

My wife's mother (age 81) only puts about 2500 miles on her 2002 Maxima each year... drives just around her town...most trips being 30 miles or less and never on a major highway or interstate. We were visiting recently and I just noticed she hasn't had an oil change in about a year....should an oil ...
by shawcroft
Thu Jul 23, 2015 7:23 am
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 5695

Re: livesoft surpasses 40,000 posts!

Outstanding accomplishment!
I have enjoyed his posts and expect to continue to do so for decades to come...onward to 50,000!
Shawcroft
by shawcroft
Fri Jul 17, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Chart: The World's Stock Markets in the Year 2050
Replies: 32
Views: 5678

Re: Chart: The World's Stock Markets in the Year 2050

So you're saying instead of holding Total World, own 20 countries with 5% in each (or something) and rebalance. That sounds pretty complicated (what would you even purchase) and fairly tilted. That's also a fairly advanced idea for a lot of people here people who don't even own cap weight, let alon...
by shawcroft
Mon Jul 13, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4847

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

talked to Ally before going to Canada, they flat out said they only reimburse ATM fees for ATMs in the US, but then $1.61 showed up on our last statement, and it had to be that one ATM in Canad Dandy: With Ally joining the AllPoint ATM network, I wonder if the surcharge fee-free feature will apply ...
by shawcroft
Mon Jul 13, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5290

Re: VRBO illegal rental [Vacation Rentals by Owner]

4nursebee wrote: In the future exercise your 4th amendment rights and shut up when talking to the police.


4Nursebee: Your thought intrigues me. Could you expand on your this a bit?
Thanks,
Shawcroft
by shawcroft
Mon Jul 13, 2015 3:19 pm
Forum: Investing - Theory, News & General
Topic: "Winning the Loser's Game (third edition)" -- A Gem
Replies: 13
Views: 2164

Re: "Winning the Loser's Game (third edition)" -- A Gem

Taylor Larimore wrote:Mr. Ellis was referring to stock recommendation "tips." Not Treasury Inflation-Protected bonds (TIPS).


Taylor:
Thanks for that clarification.
Shawcroft
by shawcroft
Sat Jul 11, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

No dipstick on a new Audi engine!?!!

Instead of posting your question about how to check the oil, why not simply READ THE OWNER'S MANUAL? Munemaker: I would have done that if our friend had an owners manual in her car. She had no information about the Audi with her. (The circumstances were described in the first post, which started th...
by shawcroft
Fri Jul 10, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

No dipstick on a new Audi engine!?!!

Actually, a google search reveals that the Germans have been foregoing the dipstick for several years -- not a new thing. Maybe it has taken people until now to discover this, since nobody ever checks their oil level anyway. That appears to the the theory behind not having one anymore. Bowser: I've...
by shawcroft
Fri Jul 10, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4847

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

Phineas J. Whoopee wrote:^ You'll need a money market or checking account to gain ATM access. Their savings account doesn't offer it.
PJW


Phineas:
Yes, thanks for catching my vaguely worded post. We opened both a savings account and a checking account. The Ally ATM only has access to the checking account.
Shawcroft
by shawcroft
Fri Jul 10, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4847

Ally Bank - New All point ATM network access

We opened an Ally account primarily four the higher interests on their online savings account. If access to the All Point ATM international network is included now, that would be a nice added benefit. A few months ,from now, perhaps our colleagues will be able to remark on experiences using these in...
by shawcroft
Thu Jul 09, 2015 12:34 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

Re: No dipstick on a new Audi engine!?!!

[quote="Wolkenspiel"] - yes, some of the modern engines are prone to using some oil between oil changes - no, it shouldn't end up in a puddle on your driveway in either case - no, you don't have to take it to an Audi dealer for an oil change - yes, you should take to an Audi dealer for the...
by shawcroft
Wed Jul 08, 2015 10:45 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

No dipstick on a new Audi engine!?!!

Thanks for all the comments. Indeed, I have learned that Audi doesn't commonly offer dipsticks with their engines- although the capacity to use one is there. All of the guys I mentioned this to (who are about my age) think this is nuts- none of them own a German luxury car so they hadn't encountered...
by shawcroft
Wed Jul 08, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Family trust woes
Replies: 34
Views: 3598

Re: Family trust woes

One step you might consider is seeing if your mother could be removed as trustee and replaced by an independent corporate trustee. Gill +1 Yes, what they have been doing is called self dealing, and it is a breach of fiduciary duties. It is grounds for removal of a trustee. Really, save yourself the...
by shawcroft
Wed Jul 08, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7424

No dipstick on a new Audi engine!?!!

We had a friend from Massachusetts who drives a 2014 Audi visit over the weekend. When she moved her car on our driveway, I noticed a small pool of fresh oil where she had parked her car. So, I opened the hood...and spent about 10 minutes looking but couldn't find an oil dipstick. To make matters mo...
by shawcroft
Wed Jul 08, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6876

"Vanguard's recommended international allocation."

We have just a bit under 20% in international and I have been slowly adding "new money" when available, About 70% of that is in Total International and the remainder is in the FTSE All-World ex-US. The FTSE holdings are a consequence of TLH activities. Anyone else in the same situation wit...
by shawcroft
Tue Jul 07, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6859

Unknown phone calls

...... For the really annoying ones who continually call from the same number, I will answer but then hold the phone over a toilet bowl and proceed to flush :P - they usually get the message not to bother me again. :) Now, I REALLY like this idea.. Alas, the phone calls continue....... Shawcroft
by shawcroft
Tue Jun 30, 2015 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6859

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: 45
Views: 7229

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: 9
Views: 1361

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: 888

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: 3073

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: 31
Views: 6821

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: 668

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: 668

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: 2979

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: 4580

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: 5165

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: 695

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: 51
Views: 5584

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: 1749

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: 2351

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: 1749

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: 1690

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: 2351

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: 2078

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: 6743

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: 6556

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: 51
Views: 7651

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: 5139

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: 8307

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: 3272

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...

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