Search found 375 matches

by Minot
Sat Dec 03, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: What value should my 401k be at age 54?
Replies: 18
Views: 3261

Re: What value should my 401k be at age 54?

Is this what you're looking for?
by Minot
Fri Nov 11, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1296

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've...
by Minot
Fri Nov 11, 2016 1:54 am
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1296

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've ...
by Minot
Wed Nov 09, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3274
Views: 785415

Re: U.S. stocks in freefall

What freefall?
by Minot
Sat Nov 05, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 3024

Re: Honey

Buckwheat honey is quite flavorful. I haven't eaten it in years, so can't recommend a particular source, but Google comes up with a number of choices.
by Minot
Thu Nov 03, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Opened a Roth this year, lost money-- what can I do tax-wise?
Replies: 10
Views: 1282

Re: Opened a Roth this year, lost money-- what can I do tax-wise?

I have some "play" money that I use to invest and this year decided that it made more sense to do it inside a Roth account (I have all of my retirement savings in 401k and Trad IRA) so that I wouldn't keep getting hit with capital gains. Unfortunately I lost some money, about $700. I thin...
by Minot
Sun Oct 16, 2016 4:06 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 8036

Re: Bogleheads is back!!!

For those of us who (finally, in my case) figured out to check Morningstar's Bogleheads Unite! forum, a big thank you to Taylor, Mel, and Lady Geek for keeping us updated.
by Minot
Sun Oct 16, 2016 4:00 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 8036

We're baaack!

Looks like we're back online at last!! Let's see if I can be 1st to post.

[Nope, see below. --admin LadyGeek]
by Minot
Sat Oct 08, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 4224

Re: Hurricane Matthew: Evacuation advise

LadyGeek wrote: I also changed the spelling in the thread title "advise" to advice".

Thanks for scratching my itch. :wink:
by Minot
Mon Oct 03, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Matching children's Roth IRA contributions
Replies: 41
Views: 3705

Re: Matching children's Roth IRA contributions

You've discussed the best way to proceed with Bogleheads, and with your wife, but I'm noticing that you have not discussed it with your kids. Why not? What might be the positive or negative results of doing so? Maybe you could start by letting them read this thread, with the idea that you'll sit dow...
by Minot
Thu Sep 22, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 6375

Re: "Women and Investing" class offered by Employer

Miakis wrote:Women participate in 401(k)s at lower rates than men do, and when they do participate, they tend to contribute less.

This 2015 Atlantic article disagrees with the 1st half of your statement, and ties the lower contributions to women's lower salaries.
by Minot
Mon Aug 15, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 3515

Re: What does the BH community do with their pets when they travel?

We will be doing a 1200 mile move in the near future. Flying is out of the question because wife does not trust airlines with the little dog. OK, we will drive. When making hotel reservations noticed that "pet friendly" hotels seem to be pretty pricey. That's OK. We do what ever is needed...
by Minot
Sat Aug 13, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wanted to always Bogle, but never got around to it...Now worth $2.3m
Replies: 11
Views: 3041

Re: Wanted to always Bogle, but never got around to it...Now worth $2.3m

niceguy7376 wrote:If you are independent consultants, why dont you have Solo 401k accounts? At your salaries ( assume 160k for each) you would be able to stack away around 40k pre-tax each.
And save on taxes.
by Minot
Fri Aug 12, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 3515

Re: What does the BH community do with their pets when they travel?

rover.com is available in some cities and is great. There is a variety of types of care offered - in home, check on, boarding, day care. +1 for Rover.com. My rescue Bichon Frise (most likely) is about to go off for his 2nd stay at a place I found on rover.com, where he seemed to enjoy himself and c...
by Minot
Tue Jul 05, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 11610

Re: Money vs. Happiness

JamalJones wrote:MOTBH!

OK, I give up. What are you trying to tell us?
by Minot
Fri Jul 01, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Laptop & Furniture & Treadmill Configurations
Replies: 8
Views: 655

Re: Laptop & Furniture & Treadmill Configurations

Try Googling "laptop stand for couch."
by Minot
Sun Jun 26, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 58
Views: 6511

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

I wish there was an alternative way to thank the community of this forum, the answers I received are simply invaluable, and I don't have enough life experience to contribute back with anything meaningful. I agree with the posters who've said you've made a real contribution. Just by bringing your si...
by Minot
Sat Jun 25, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 5081

Re: Dog attacked by another dog

I was not going to try to get in the middle so I kept a hold of the leash, but backed away as far as I could to avoid personal injury (both dogs are 60+lbs). You have got to be kidding. Carry a "walking stick". A pocket knife. Get a concealed carry permit. Be prepared to do something . He...
by Minot
Tue Jun 21, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2107

Re: Portfolio Advice - funds from family

OP, I'm afraid I must climb up on my soapbox again regarding your fiancee's financial education. I believe that it is very important that women avoid financial helplessness. You have repeated that if something happens to you, she'll have parents and others who can help her with her finances. This i...
by Minot
Sun Jun 19, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 9118

Re: Dr. Charges Facilities fee of $300 - what should I do?

Threads like this one reinforce my appreciation for Kaiser Permanente. I've been with them for the last 20+ years and have been very pleased with their care, the ease of accessing it, and the (almost) total lack of surprises regarding billing. (The "almost" was a bill they sent me by mist...
by Minot
Sat Jun 18, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 56
Views: 12179

Re: Bed sheets like they used to be?

I love my bamboo sheets. They are marvelously soft, and my nightgowns sort of slide over them when I change positions. I will never go back to cotton.
by Minot
Thu Jun 16, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 9118

Re: Dr. Charges Facilities fee of $300 - what should I do?

Threads like this one reinforce my appreciation for Kaiser Permanente. I've been with them for the last 20+ years and have been very pleased with their care, the ease of accessing it, and the (almost) total lack of surprises regarding billing. (The "almost" was a bill they sent me by mista...
by Minot
Sun Jun 12, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What does "Self Insure" mean?
Replies: 43
Views: 4012

Re: What does "Self Insure" mean?

Great info, thanks. It looks like about 15% of population over 65 ends up in some sort of care program if I interpret correctly. Frankly I thought it would be higher. I did not see a reference of how many people are in these programs temporarily due to rehab from surgery, stroke, etc. Perhaps this ...
by Minot
Sat Jun 11, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Dental treatment, reduced cost, teaching university
Replies: 15
Views: 1354

Re: Dental treatment, reduced cost, teaching university

As a dentist, the responses to questions like this always crack me up. People who say that it is a poor idea to let dental students work on them clearly haven't thought through the reality that in the "real" world of private practice dentistry, there is no one checking your dentist's work...
by Minot
Wed Jun 08, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Book suggestion, please- Grieving Process - Loss of a loved one
Replies: 22
Views: 1893

Re: Book suggestion, please- Grieving Process - Loss of a loved one

I cannot provide the name of a book, but your friend might consider counseling to help her cope with her grief. My sister recently lost her husband of 53 years and has had several sessions with a counselor. She said the sessions have been helpful for her and she feels she has no further need of cou...
by Minot
Sun Jun 05, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Living Trusts
Replies: 30
Views: 2283

Re: Living Trusts

My wife and I recently met with an estate/elder law attorney who has suggested setting up living trusts vs wills only. Both in our mid-sixties, married late. All our finances are separate as are the homes we each own. No kids, no prior marriages. Combined investment assets plus homes = $5 million. ...
by Minot
Sun May 22, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Tax Efficient Options
Replies: 10
Views: 1117

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: 206
Views: 21618

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: 1837

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: 2400

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: 6079

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: 8508

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: 4040

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: 4622

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: 2297

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: 2556

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: 349
Views: 49000

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: 5077

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: 1001

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: 1439

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: 2012
Views: 519198

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: 130376

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: 130376

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: 42
Views: 17881

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: 501

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: 31596

Re: Any books really change your outlook on life?

Alan Watts: Nature, Man and Woman.

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