Search found 348 matches

by Minot
Sun May 22, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Tax Efficient Options
Replies: 10
Views: 950

Re: Maximizing Tax Efficient Options

OP wrote:We're a family of 4

livesoft wrote:When you say "max out 529", that is interesting because with 4 children....

I read "family of 4" to mean 2 parents, 2 children.
by Minot
Sun May 22, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11695

Re: Is there a such thing as a blue collar Boglehead?

For example, a poster asked what to do with an extra $10k, and some responses would indicate that It was only $10k and not worth worrying about. I searched the forum using "$10K to invest" and found several threads with excellent helpful responses and none of them said that amount of mone...
by Minot
Thu May 19, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Kiplingers recommends 8 great Vanguard funds for retirement
Replies: 11
Views: 1583

Re: Kiplingers recommends 8 great Vanguard funds for retirement

sci92 wrote:Can someone provide a link to the Kiplingers article? It would be helpful for other members. TIA
Sci92

I assume it's this slide show. If so, note that the full title is "8 Great Vanguard Funds for Retirement Income," and that they are actively managed, not index, funds.
by Minot
Wed May 04, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: New senior investor
Replies: 17
Views: 2161

Re: New senior investor

Definitely want to be with Vanguard, I decided last night. I think I would like a 60/40 mix. I know it should be 70/30 because of my age. This being said, the options for the distribution are still to be determined. I hear bonds are good. I hear stay away from bonds. I dont like trading a lot. Like...
by Minot
Wed Apr 20, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 5273

Re: A Month in Manhattan

Rockaway: You could take the A train there, but it’s more interesting to take the 7 train from Grand Central heading for Flushing. This subway line comes above ground in Long Island City, Queens, an old industrial neighborhood now being filled with huge new apartment towers. Get off at 61st St. Woo...
by Minot
Sat Apr 09, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 7775

Re: I'm willing to pay them whatever they want!

bertie wooster wrote:Ice cream. No matter the price I only buy Hagen Das or Three twins or McConnells or whatever premium brand is being sold.


+1, except for me Hagen Das idefinitely my 1st choice.
by Minot
Thu Mar 24, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Improving Employee Morale
Replies: 44
Views: 3755

Re: Improving Employee Morale

deleted; no longer relevant
by Minot
Fri Feb 26, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4179

Re: Buy a house at age 75?

Have you considered moving to a continuing care retirement community? If you can afford it, they have quite a bit to offer to people of our age.

Full disclosure: I'm 79 and have been living in a CCRC for several years; it's been a good choice for me.
by Minot
Sat Feb 06, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Grandson working for me-Child labor law?
Replies: 35
Views: 1996

Re: Grandson working for me-Child labor law?

From legal zoom http://info.legalzoom.com/sole-proprietorship-employing-children-22758.html Excemptions From Child Labor Laws Federal child labor laws permit children under 14 years of age to work in family owned businesses, but prohibit them from working in manufacturing or hazardous jobs. States ...
by Minot
Sun Jan 24, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Odd Ball Vanguard Mail Message
Replies: 14
Views: 2386

Re: Odd Ball Vanguard Mail Message

I think I'd change my password. May not be necessary, but couldn't hurt.
by Minot
Mon Jan 18, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 334
Views: 40540

Re: Decided to try timing the market. 100% short on 9/17/15

He confirmed he was still long on 12/31. So far, this "proven" system may set a short term record for futility. He was down about 11% between Sep 17 and Nov 30. He was long since then which means another 11% loss, call it 10% after dividends. That's -21% in 3.5 months. What is that annual...
by Minot
Mon Jan 11, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Heavy Lifting Job: $60/hr nights or $75/hr weekends?
Replies: 36
Views: 4750

Re: Heavy Lifting Job: $60/hr nights or $75/hr weekends?

i'm single, no kids, age = 45, and work in construction. i took a night job (mon-fri, 11pm - 5am) that involves heavy lifting that pays $60hr. ($1800/wk) I start after i pass a background check. Company has a 3yr contract at various locations, all outdoors. but now they want to move me to weekends,...
by Minot
Sun Jan 10, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: Drawdown from Max Value to Current Value - last 5 years
Replies: 15
Views: 896

Re: Drawdown from Max Value to Current Value - last 5 years

Ahhhh.... I think you have a data issue. The 3 first working day of 2011 the S&P500 was at 1271. After taking a beating so for this year it is at 1900+. How is that an 8.7% decrease? I'm not sure what you are saying or how you got there but my data is very different. Second example.. VTI (Vangu...
by Minot
Fri Dec 25, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Drive able natural attractions from Washington DC
Replies: 18
Views: 1330

Re: Drive able natural attractions from Washington DC

Great Smoky Mountains National Park.
by Minot
Thu Dec 10, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1551
Views: 350456

Re: What Book Are You Currently Reading? Part VI

Derek B. Miller: Norwegian by Night . This book has been described as a thriller/crime novel, but it's a lot more than that. The protagonist is a recently widowed 82 year-old Jewish-American man, now living in Norway with his granddaughter and her Norwegian husband. He is possibly suffering from dem...
by Minot
Mon Dec 07, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 120048

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

This Dec. 2 Joseph DiStefano article from the Philidelphia Inquirer addresses some of the questions raised in posts above. Regarding the California tax case, it says: The California Franchise Tax Board in September received the allegations of David Danon, a former Vanguard tax lawyer turned whistle-...
by Minot
Sun Dec 06, 2015 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 120048

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Here's an interesting summary/analysis from one of the blogs I read: http://www.joshuakennon.com/vanguard-accused-of-nearly-35-billion-tax-fraud/ I just pulled up this link. It is now headed with the following statement: Announcement: Please note that as a result of the conversations and questions ...
by Minot
Thu Nov 19, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses - Costco Changed Policies - Help!
Replies: 41
Views: 9984

Re: Eyeglasses - Costco Changed Policies - Help!

I'm a fan plastic frames, but I want a pair that has somewhat of a textured area behind the ear for grip. It's much better for being active - running, chasing around a toddler. I have found many wire rimmed frames that grip, but it's hard to find a plastic frame along those lines. Might these anti-...
by Minot
Mon Nov 09, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Vanguard Funds in an IRA/Capital Gains
Replies: 6
Views: 424

Re: Selling Vanguard Funds in an IRA/Capital Gains

Last week I sold some Vanguard Mutual funds that are located in an IRA account. This morning on the Vanguard site it shows that the gain and losses from these funds are under "Realized Gain/Losses" instead of "Unrealized." The money is still located in my Moneymarket Fund (cash)...
by Minot
Sat Oct 24, 2015 11:25 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 205
Views: 30239

Re: Any books really change your outlook on life?

Alan Watts: Nature, Man and Woman.
by Minot
Wed Oct 21, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 44
Views: 4094

Re: Dissuade me from buying art [Kuaui]

Go home. Wait at least one month, maybe longer, until "vacation mind" wears off. Then see how you feel about purchasing it. I'm sure the gallery can ship it to you if you still want it.
by Minot
Sun Oct 18, 2015 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Newish to All of This. Should I change anything?
Replies: 31
Views: 2970

Re: Newish to All of This. Should I change anything?

pingo wrote:$60,000 Gross Income
-2,400 403b pre-tax contributions
But $12,000 of gross income is rent, so OP's gross salary is, at most, $48,000 -- less if some of this is wife's salary.
by Minot
Tue Sep 29, 2015 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help for Grandmother
Replies: 13
Views: 863

Re: Investing help for Grandmother

Tax advantaged should be filled with the bond portion of the allocation, as bonds are tax-inefficient. The remainder of the bonds and all of stocks go in the outside account. If you use a 3 fund portfolio, the tax advantaged account will hold only Total Bond. If her only income other than what this...
by Minot
Tue Sep 29, 2015 4:05 pm
Forum: Investing - Theory, News & General
Topic: Cost to Fund Retirement
Replies: 26
Views: 3452

Re: Cost to Fund Retirement

Residual value is not part of your retirement. E.g., when you die, a DB pension stops, there is no residual value left for theirs. What about self-insuring for long-term care? Do you consider that part of retirement? I do; it's a significant portion of my assets and limits the amount that I am will...
by Minot
Tue Sep 29, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Investing help for Grandmother
Replies: 13
Views: 863

Re: Investing help for Grandmother

Tax advantaged should be filled with the bond portion of the allocation, as bonds are tax-inefficient. The remainder of the bonds and all of stocks go in the outside account. If you use a 3 fund portfolio, the tax advantaged account will hold only Total Bond. If her only income other than what this...
by Minot
Sun Sep 27, 2015 10:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead-recognizable wearing apparel?
Replies: 24
Views: 3247

Re: Boglehead-recognizable wearing apparel?

Epsilon Delta wrote:
livesoft wrote:One could simply carry a hardcover book with "Bogleheads" in the title. There are at least a couple to choose from.

Impostor.

A Boglehead would go no higher than a trade paperback.

Preferably used.
by Minot
Tue Sep 22, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 16528

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

If you pick about 20 stocks, you are just as diversified as the index or any mutual fund. And ALL are equally exposed to black swam events like this. You seem to be saying that the impact on your portfolio of a steep decline of a single stock is the same whether that stock is one of 20 or 1 of 3814.
by Minot
Mon Sep 21, 2015 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: US$ 500K - what to do? advice needed
Replies: 5
Views: 1056

Re: US$ 500K - what to do? advice needed

Welcome to Bogleheads!

For the time being, leave the money where it is. Spend some time reading, starting with the Wiki on Getting Started. After you've absorbed the information there, and maybe read a couple of the recommended books, come back and ask your question again.
by Minot
Sun Sep 20, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.
Replies: 33
Views: 7676

Re: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.

does anyone have any thoughts or opinion on using Roth IRA as a back up emergency fund? http://www.investopedia.com/articles/personal-finance/040714/how-use-your-roth-ira-emergency-fund.asp Here's a Wiki page that will give you good info on using Roth IRA as an emergency fund. Welcome to the Forum.
by Minot
Sat Sep 19, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put $300K?!?!
Replies: 25
Views: 4606

Re: Where should I put $300K?!?!

Welcome to the forum, Young44. The reason others have been reluctant to answer your question about what you should do with your $300,000 is that an educated answer depends on how the rest of your portfolio is invested, what your desired asset allocation is, what your tax situation is, etc. Consider ...
by Minot
Sat Sep 19, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Or Pre-Tax - If I'm In 35% Tax Bracket
Replies: 28
Views: 1803

Re: Roth Or Pre-Tax - If I'm In 35% Tax Bracket

Apples and oranges. The $18,000 pre-tax 401k cost you $18,000 to buy. The $18,000 Roth cost you $25,133. Had you purchased the 401k and invested $4306.19 ($7133 minus taxes, since you're presumably out of tax-defered space) at 7% for 35 years you end up with $45,973, plus the $187,000 in your 401k.
by Minot
Sat Sep 19, 2015 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice. 24 yr/old young professional sold life insurance by NML.
Replies: 68
Views: 5418

Re: Looking for advice. 24 yr/old young professional sold life insurance by NML.

I am a 24 year old engineer making 60k a year, I was recently sold life insurance by a Northwestern Mutual agent. He works for my significant other's brother who is a managing director in a successful office for them.... I can see why you are reluctant to recognize how poorly you have been served b...
by Minot
Tue Sep 15, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 5196

Re: Formal Dinnerware

You're also going to need glassware.
by Minot
Tue Sep 08, 2015 12:48 pm
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3302

Re: What are the most viewed threads ever?

So far, all the answers have been from the Investing - Theory, News & General sub-forum. If you take the question as written, then the winner is clearly What Book Are You Currently Reading: Part V at 1,324,452 views. I think a good case could be made that all 6 parts together make up one thread...
by Minot
Tue Sep 08, 2015 11:41 am
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3302

Re: What are the most viewed threads ever?

So far, all the answers have been from the Investing - Theory, News & General sub-forum. If you take the question as written, then the winner is clearly What Book Are You Currently Reading: Part V at 1,324,452 views. I think a good case could be made that all 6 parts together make up one thread:...
by Minot
Sat Sep 05, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for RMDs [Required Minimum Distributions]
Replies: 57
Views: 7526

Re: Strategies for RMDs [Required Minimum Distributions]

If you are planning to make QCDs in the hope that the law that allows them will be renewed, then you have to wait until your donations have been completed and then withdraw the remains of the RMD. If you know what you want to donate, you can accelerate the donations to the early part of the year. T...
by Minot
Sun Aug 30, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Work adjustment options
Replies: 25
Views: 2442

Re: Poll: Work adjustment options

FWIW. My experience in going from a 40 hr week to at 20 hour week was that work went from being something that defined my life to being just one of the ways I spent my time. At 32 hours the "felt" experience was much more like 40 hrs than like 20. (My 20 hrs were for some periods 5 4hr day...
by Minot
Thu Aug 27, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 8465

Re: Hike the Pacific Crest Trail/JMT

I've hiked the AT, the PCT (and by extension, the JMT) and just returned from a month on the CDT. The JMT is incredibly beautiful in a rugged sort of way. My tips would be: 1. Make sure to visit VVR (Vermillion Valley Resort) 2. Camp at Guitar Lake and summit Mt. Whitney in the pre-dawn hours to wa...
by Minot
Thu Aug 27, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 9482

Re: Seeking advice in a hostile office now

Thanks a lot... To be frank, it's been incredibly stressful than I thought it would be. Couldn't get good sleep, and then headache, etc.. Try to keep my cool for now but need to get my act together to consider and carry on your advices.. I hope I'm not going outside the Forum guidelines by suggesti...
by Minot
Sun Aug 23, 2015 8:34 pm
Forum: Forum Issues and Administration
Topic: How do I insert a quote in my post?
Replies: 7
Views: 2707

Re: How do I insert a quote in my post?

gkaplan wrote:Moe, you need to click on the quotes sign in the upper right hand box of the post you want to quote.


Or, in the Post box, type or copy the text you want to quote, then select it, and then click on the Quote tag.
by Minot
Wed Aug 19, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Manhattan Hotels that offer two single beds in a room. Need to book.
Replies: 13
Views: 1568

Re: Manhattan Hotels that offer two single beds in a room. Need to book.

Consider Airbnb. One of the filters you can choose when searching is number of beds.
by Minot
Sun Aug 16, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 7491

Re: Cash in the house

I keep cash around for emergencies like an Earthquake. An ATM will probably not work after a quake and power loss. Cash will be king. Need plenty of small change. Banks pay just a scant more than a mattress. Been waiting for that BIG Quake in So California for decades now…. investor +1, except I'm ...
by Minot
Sat Aug 15, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Advertising/Marketing Rural Raw Land
Replies: 20
Views: 1475

Re: Advertising/Marketing Rural Raw Land

Have you looked into LandWatch?
by Minot
Wed Aug 05, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Furniture Pads for moving
Replies: 12
Views: 1089

Re: Furniture Pads for moving

You could also check with Penske. About 3/4 down the page.
by Minot
Wed Jul 22, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 61
Views: 5035

Re: Do Bogleheads plan to utilize Independent Living facilities?

............... how LTCi and CCRC's work together? Is the insurance redundant? Yes, it is. No, it is not, at least at many if not most CCRC's. You can use your LTCi to cover qualified costs, either those included as part of your CCRC monthly fee, or as added fee-for-service. In Independent Living, ...
by Minot
Sun Jul 19, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 338646

Re: What Movie Have You Recently Watched?

Rattlesnake wrote:Longmire, on Netflix....

We thinks it's good....

I liked the books better.
by Minot
Wed Jul 08, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 4258

Re: Vanguard phonecall asking for personal information

I'm reading this the day after I got a call from a Vanguard agent who started the conversation by telling me the reason he was calling, which involved a transaction which I had initiated by mail, and then asked me to answer one of my security questions (which could well have been the city of my birt...

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