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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: 52
Views: 5132

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: 52
Views: 1614

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: 4118

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: 4118

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: 4118

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: 1701

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: 7671

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: 708

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: 49
Views: 7614

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: 562

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: 562

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: 708

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: 6729

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: 177
Views: 8958

Re: Principal variable universal life income iii

When I see a billion different funds to choose from I find it rather unsettling as I don't feel I will ever understand the markets sufficiently to choose them wisely. Cleansocks: First, welcome to the Boglehead Forum. Second, I felt the same way you did when I found this Forum back in 2008. In fact...
by shawcroft
Mon Mar 03, 2014 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal variable universal life income iii
Replies: 21
Views: 801

Re: VIN Etching on Auto glass

Modern cars have the VIN in a bunch of places so at most you are ensuring against the theft of your windows. Complete ripoff. Interesting point. I was only aware of it on the top of the dashboard. Come think about it, it probably is in the engine compartment someplace. Where else might the VIN be? ...
by shawcroft
Sat Mar 01, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: VIN Etching on Auto glass
Replies: 14
Views: 860

VIN Etching on Auto glass

During a trip out of state a few weeks back , I did some "kicking tires" on new cars. I wasn't planning on buying anything but wanted to see the features available and at dealers which were not ones I might buy a car from. Every dealer I visited pushed VIN etching on the glass. I've heard ...
by shawcroft
Sat Mar 01, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: VIN Etching on Auto glass
Replies: 14
Views: 860

2014 auto production run ended?

I mentioned this question while speaking this morning to my Brother-in-Law who lives in Cherry Hill, NJ. The corporate office of Subaru of America (SOA) is located in that town. He knew someone who works for them and called them to ask when Outback production will stop in Lafayette for the 2014 mode...
by shawcroft
Tue Feb 25, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 auto production run ended?
Replies: 15
Views: 1052

Has the 2014 Outback production run ended?

I had a private message from another outback owner which more fully answered my question about the period of model year production runs and I thought it would be helpful to my colleagues: "Outback model year production typically ends during the month of April. The date has slid around from year...
by shawcroft
Tue Feb 25, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 auto production run ended?
Replies: 15
Views: 1052

2014 auto production run ended?

We've been considering the purchase of a 2014 Subaru Outback. One of the dealers we contacted said the Subaru has ended the 2014 production run and implied (essentially) that whatever was out there in the pipeline would not necessarily have the features that we wanted. If we wanted an Outback, it wo...
by shawcroft
Tue Feb 25, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 auto production run ended?
Replies: 15
Views: 1052

Re: Total Int. Stock % allocation?

Taylor Larimore wrote:Nisiprius:

Your post, with its graphs, is one of our very best about allocating to international stocks.


+2!

My thanks to Taylor and Nisiprius for their contributions.......
Shawcroft
by shawcroft
Mon Feb 17, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 2988

Re: worrywart financial institutions and Req. Min. Distribut

You indicated that State St holds your 401k. The other accounts are IRAs. You cannot "aggregate" your RMDs between IRAs and qualified plans. Each 401k plan must calculate and distribute the RMD for that plan without regard to any of your other plans. And if you rolled over the 401k to an ...
by shawcroft
Sun Feb 16, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: worrywart financial institutions and Req. Min. Distributions
Replies: 9
Views: 967

Re: worrywart financial institutions and Req. Min. Distribut

My question as well...... MY only holding outside Vanguard is a small 401(k) being held at State Street. All of my other IRA's and RIRA's are at Vanguard. Because I will hit the magic "70" shortly, I will have to take my first RMD either by 12/31/14 or no later than 3/31/15. State Street s...
by shawcroft
Sat Feb 15, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: worrywart financial institutions and Req. Min. Distributions
Replies: 9
Views: 967

Jack Bogle's advice for a rocky market...

Nisi:
Nicely researched and presented. Thanks
Shawcroft
by shawcroft
Mon Feb 03, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's advice for a rocky market...
Replies: 7
Views: 2800

Re: Met with Financial agent from Northwestern Mutual yester

Your decision will probably save you tens of thousands of dollars in the years ahead. Never pay for insurance you don't need. Instead, use the premiums saved to invest for real needs (like retirement). Congratulations and best wishes. Taylor (a former life-insurance agent) Another insightful observ...
by shawcroft
Sat Feb 01, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Met with Financial agent from Northwestern Mutual yesterday.
Replies: 22
Views: 2022

Periodic "In-Force" Insurance policy illustrations

My Question: Should folks get periodic in-force illustrations on the life insurance policies they have? I recently asked for an “in-force” illustration of a universal life policy I bought (actually, was sold) about fifteen years ago. The illustration showed how the policy would perform at a 6% inter...
by shawcroft
Fri Jan 31, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Periodic "In-Force" Insurance policy illustrations
Replies: 0
Views: 132

Re: Who invests in Total International Bond Index Fund?

Seems this question comes up every month or so, and I keep posting the same response. Total International Bond has more interest rate sensitivity than TBM (6.6 years vs. 5.5 years duration). Total International Bond has lower average credit quality than TBM. And TIBM's yield is now 63 bp lower than...
by shawcroft
Sat Jan 25, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Who invests in Total International Bond Index Fund?
Replies: 36
Views: 2704

Re: Home Equity Loan-Wells Fargo charging $500 to quit!

Wow! That's a surprise. We had a heloc with Bank of America which we opened in 1997 and never used,. They tried to charge us $100 ( "Administrative Costs") about a year ago when we closed it out. I showed them the original 1997 documents which I retained that said there would be no costs t...
by shawcroft
Wed Jan 22, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Home Equity Loan-Wells Fargo charging $500 to quit!
Replies: 49
Views: 3693

Trust Management Companies

nyjetfan: Thanks for your compliment. When I started on my quest for information, I thought I would find substantial differences between trust management companies. It turns out that- at least to me- that they seem to follow the same general strategies. I summarized my thoughts on that in the earlie...
by shawcroft
Wed Jan 22, 2014 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trust Management Companies
Replies: 11
Views: 602

Trust Management Companies

nyjetfan: There has been an ongoing thread on Trust Management Companies over the past 2-3 years. (I know because I have posted some detailed messages on that thread which address this topic). I believe you can get to those discussions- and the details about some of the bank trust management compani...
by shawcroft
Wed Jan 22, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trust Management Companies
Replies: 11
Views: 602

TAYLOR'S UPCOMING 90th BIRTHDAY!!

Taylor: It was a delight to meet you at the 2013 Boglehead Conference. I- and my wife and sons- wish you a wonderful 90th birthday. You are certainly one of the greatest among our nation's Greatest Generation. I am certain that Mel- and all the other folks fortunate to be in attendance at this festi...
by shawcroft
Wed Jan 22, 2014 7:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12686

About to Buy a 2014 Subaru Forester- or Outback?

Since this seems to be a Subaru discussion, let me ask about experience with the CVT ( Continuous Variable Transmission) and the high-end electronics in the Subarus- the Outback as well as the Forester. We are starting to look at replacement cars and are considering a 2014 Outback ( a 2.5i Limited) ...
by shawcroft
Thu Jan 02, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: About to Buy a 2014 Subaru Forester
Replies: 51
Views: 5234

Re: Steve Vernon and Allen Roth

Thanks, Larry
Shawcroft
by shawcroft
Thu Jan 02, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Steve Vernon and Allan Roth
Replies: 3
Views: 524

Re: Duke Grad Student Secretly Lived In a Van to Escape Loan

Remarkable story. I lived a somewhat spartan life while in graduate school but nothing which approaches this.
Shawcroft
by shawcroft
Sun Dec 29, 2013 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Duke Grad Student Secretly Lived In a Van to Escape Loan Deb
Replies: 11
Views: 1786

"You Really Can Time The Stock Market"

BigOil: Thanks for the link. It dismays me as well that these articles appear in publications from what one would hope would be a responsible organization. No reference to the well-established literature which discredits the concept of market timing. It really plays at the thought many have which is...
by shawcroft
Tue Dec 24, 2013 11:34 am
 
Forum: Investing - Theory, News & General
Topic: msn: "You Really Can Time The Stock Market"
Replies: 30
Views: 2802

Re: Commodities Funds: A Decade of Disaster

Jack wrote:Turns out there is one:


The Friedman Unit

Absolutely wonderful!
Shawcroft
by shawcroft
Sat Dec 21, 2013 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11548

Re: Commodities Funds: A Decade of Disaster

Thanks to all- and particularly Dr. Bernstein-for this very insightful series of posts. I recall hearing Dr. Bernstein mention "Rekenthaler's Rule" and his common sense explanation of it ("If the bozos know about it, its too late"). I have, on occasion, quoted this observation to...
by shawcroft
Sat Dec 21, 2013 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11548

Re: 55% OFF NEW JACK BOGLE BOOK HAS EXPIRED

Mel:
Once the book arrives (my order made it under the wire), I will read it and post my thoughts.
Shawcroft
by shawcroft
Sat Dec 21, 2013 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: 55% OFF NEW JACK BOGLE BOOK HAS EXPIRED
Replies: 57
Views: 6279

Re: Birthdate and first social security payment

Then, when you die, they don't pay the last month. Unless you're alive "exactly" the whole month. Good luck timing that. John 94549: Yes, I am painfully aware of that. My mother passed away at 10:30 PM on the last day of the month. Her Social Security payment for that month was deposited ...
by shawcroft
Sat Dec 21, 2013 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Birthdate and first social security payment
Replies: 46
Views: 4649

Re: 55% OFF NEW JACK BOGLE BOOK HAS EXPIRED

Thanks, Mel.
I, too, took advantage of the offer. Thanks for promoting it...and reminding us of its availability. Do you think the publisher will want some the Bogleheads to review the book?
Shawcroft
by shawcroft
Sat Dec 21, 2013 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: 55% OFF NEW JACK BOGLE BOOK HAS EXPIRED
Replies: 57
Views: 6279

My Birthdate and first social security payment

sscritic- and others: Well, I finally found the bill- and the payment I made this month ( December 2013) is for January, 2014. In theory, my February payment should be made ( and covered) by my first Social Security payment (for February) which I should receive in early March (my birthday is 2/8). I...
by shawcroft
Fri Dec 20, 2013 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Birthdate and first social security payment
Replies: 46
Views: 4649

“The Queen of Versailles"

I saw it about a year ago. An amazing story about someone who lucked into a deal (selling timeshares) when loans were easy to get and leveraged up thinking the sky was the limit- then to watch it all unravel. There has to be some poetic justice in the (mis) adventure. Are there any updates on the sa...
by shawcroft
Thu Dec 19, 2013 10:43 am
 
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 2148

Re: Bryn Mawr

Buysider wrote:As a bonus, it is Jack Bogle's hometown, she may see him occasionally in the Starbucks on Lancaster Ave only 2 blocks from campus.


That is a great reason for attending Bryn Mawr, which is (also) an excellent college.
Shawcroft
by shawcroft
Wed Dec 18, 2013 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 3962

Re: Birthdate and first social security payment

Thanks to all who replied. I'll start looking for some news/communications from Social Security in mid-late January, 2014. And thanks to sscritic for the hint on avoiding a double Medicare payment for March. Right now, I pay each month......so if I would pay- as I have been doing- a premium in Febru...
by shawcroft
Tue Dec 17, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Birthdate and first social security payment
Replies: 46
Views: 4649

Vanguard wins the fund flow race again

DFA being second surprised me as well. Anyone know the 2013 funds flow experience to date for Fidelity?
Shawcroft
by shawcroft
Tue Dec 17, 2013 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard wins the fund flow race again
Replies: 2
Views: 706

The first social security payment

I've delayed starting SS until my 70th birthday which will occur in February, 2014 (yes, very hard for me to believe!). I applied for the benefit in mid-October - in person- at a Social Security office in Connecticut. Since then, I haven't received any communications from Social Security. Should I e...
by shawcroft
Tue Dec 17, 2013 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Birthdate and first social security payment
Replies: 46
Views: 4649

Re: Alternative Investments to Avoid

I am Stella Amah 19 years of age the only daughter of late Mr Boni Amah whom was killed by the rebels that attacked our country cote d'Ivoire west Africa and took over our town (BOUAKE). I ran to Abidjan the economical capital of cote d'ivoire from were I am contacting you. Before the death of my f...
by shawcroft
Mon Dec 16, 2013 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Alternative Investments to Avoid
Replies: 34
Views: 2180

Newkirk Fund Central

Our older son recently started a new job and will become eligible to contribute to its 403(b) plan starting in January. It appears the plan administrator is "Newkirk Fund Central". Does anyone have any experience(s) with this organization? He expects to get the list of the funds available ...
by shawcroft
Wed Dec 11, 2013 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newkirk Fund Central
Replies: 0
Views: 87

Re: My experience with "Big Death"

John: First, let me offer my condolences on the loss of your mother. At age 98, she most certainly lived a long life. I hope you have inherited her longevity genes. And thank you for the alert on "Big Death". I haven't read the Business Week article you mentioned in your message and will l...
by shawcroft
Mon Dec 09, 2013 11:00 pm
 
Forum: Personal Consumer Issues
Topic: My experience with "Big Death"
Replies: 32
Views: 3615

Re: Beating the Market, as a Reachable Goal

I love the NY Times but sometimes I wonder about where they are going with their business coverage. If it weren't for Gretchen Morgenson the Sunday business section would not be worth reading... +2 Gretchen Morgenson explains financial treachery in simple and easily understood terms. Everything she...
by shawcroft
Sun Dec 08, 2013 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the Market, as a Reachable Goal
Replies: 47
Views: 3286
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