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Re: Your biggest "Missed Money" event that still kills you?

Well, I am a big APPLE computer fan and stuck with them during the dark days of the 1990's...probably could have picked up 500 shares for about $1000 at sometime during that decade......since I am an "apple loyalist", I probably should have done that...... Oh, well, hindsight is 20/20 No r...
by shawcroft
Thu Aug 21, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7953

Re: A question about Sherry

Trader Joe wrote:Toss it.


Ah, there seems to be a difference of views among my learned colleagues..........

Shawcroft
by shawcroft
Thu Aug 21, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1268

More on the question about Sherry

It will not hurt you to drink it. You can mail it to me and I will taste it for you, if you like. Ah, Livesoft to the rescue! When things get tough, it is heartening to know that Livesoft stands ready to be of service.... As for the sherry, it doesn't smell different from the Dry Sack sherry I have...
by shawcroft
Thu Aug 21, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1268

A question about Sherry

Over the weekend, we happened upon a bottle of Dry Sack sherry tucked away at the bottom of one of our storage shelves in our basement. As best we could guess, it has been laying on its side for a good 8 years.....and the cork must have disintegrated a bit because we were alerted to its existence by...
by shawcroft
Thu Aug 21, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1268

Re: US REITs already have international exposure

I, too, have been tempted to add international REITS to our portfolio. Uncertain if it would add a diversification benefit, I have been waiting for studies to confirm- or refute- this possibility. Simplegift's post is the first one showing the correlations of the various global real estate securitie...
by shawcroft
Tue Aug 19, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1234

Re: Retirement Party Discussions

At a recent dinner party, I mentioned that I felt that wealth advisors at Morgan Stanley, UBS, Merrill Lynch, JP Morgan, etc were actually evil and their firms simply sucked money away from clients. I got some pushback from that since one person's offspring just got a job as a personal banker at on...
by shawcroft
Tue Aug 19, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 4049

B&H Photo - NY City Experience

There is one thing you might anticipate if you are ordering from a state that has reciprocal tax reporting with New York. I bought a computer from them a number of years ago, shipped to Florida, and several years after that I received a notice of sales tax due from the Florida Department of Revenue...
by shawcroft
Tue Aug 19, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2342

One more ROTH IRA question

One additional question about the ROTH IRA:
Is it better if I write the check for the ROTH IRA from a checking account where I am the sole owner or can I use our joint checking account.....the one I have with my wife?
(Sorry if this appears to be a dumb question)
Shawcroft
by shawcroft
Thu Aug 07, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1603

The ROTH IRA question

Alan S.
Yes, that was what I had hoped to do and I appreciate your thoughts. Athough the amount might seem small at this time, left to compound in a ROTH over a few decades it could become significant to my beneficiaries
Shawcroft
by shawcroft
Tue Aug 05, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1603

The ROTH IRA question

To Taylor, Alan S. and Celia: Thanks for your replies. Ah, it looks like I wasn’t clear about what happened. I regret my poor choice of phrases. When I spoke with the AON/Hewitt 401 k administrator in late June about doing a rollover to Vanguard, I was informed that THREE checks would be sent to me ...
by shawcroft
Sun Aug 03, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1603

The ROTH IRA question

Alan: Thanks for your thoughts. Indeed, I attained 70 in February so I am fast approaching 70 1/2 in mid-August. This would be the first year when I can take an RMD. ( I would HAVE to take it no later than March 31, 2015) Sorry to be a bit dense on this but let me ask about the "mechanics"...
by shawcroft
Sat Aug 02, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1603

Re: Wall Street Journal Subscription Increase

I do enjoy reading the Wall Street Journal and particularly the weekend edition. I jet wander over tour local library and read ( scan) the past week's issues in the course of an hour.... but I do have fond memories of perusing the print version over morning coffee.... I, too, am amazed that hotels o...
by shawcroft
Sat Aug 02, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2326

ROTH IRA question

A ROTH IRA question: I recently rolled over a 401k which I had with a former employer to Vanguard. The 401k plan administrator was AON/Hewitt. I had both pre-tax and after-tax funds in it, although most of it was pre-tax. The pretax check was sent to me, clearly marked payable to Vanguard for my ben...
by shawcroft
Sat Aug 02, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1603

Re: Any thoughts on this study of active v passive

"More important, I hope the individual investor who is predisposed to want to try to beat the market, but cannot find the evidence that active management will beat indexes, will thoughtlessly buy into this BS article and hire me to ( Delete:skim from his investments) manage his investments.&qu...
by shawcroft
Fri Aug 01, 2014 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Any thoughts on this study of active v passive
Replies: 6
Views: 748

Supermarket Gasoline

Jack FFR1846 wrote:Ah, so I'm not the only boglehead at the stop & shop gas station with 3 six gallon cans and a 20 gallon tank running on fumes, huh?


Jack:
No, you are not the only Boglehead that does stuff like that.....I'm in Connecticut and I see folks doing that!
Shawcroft
by shawcroft
Fri Aug 01, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 31
Views: 2168

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: 35
Views: 1815

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: 540

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: 7009

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: 1234

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: 1933

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: 1234

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: 4620

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: 1383

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: 6675

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: 1383

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: 2721

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: 2865

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: 2865

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: 2865

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: 960

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: 1147

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: 2865

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: 1953

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: 1147

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: 1147

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: 795

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: 1448

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: 1448

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: 1448

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: 1448

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: 672

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: 672

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: 2794

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: 565

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: 915

"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: 7246

"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: 1208

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: 4608

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: 449

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: 4345
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