Search found 339 matches

by Minot
Sun Jan 24, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Odd Ball Vanguard Mail Message
Replies: 14
Views: 2275

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: 329
Views: 34930

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: 34
Views: 3780

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: 845

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: 1152

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: 1336
Views: 274752

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: 776
Views: 107671

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: 776
Views: 107671

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: 7374

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: 390

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: 198
Views: 27722

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: 3814

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: 2834

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: 824

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: 3213

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: 824

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: 3057

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: 15601

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: 1029

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: 5111

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: 4425

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: 1619

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: 4890

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: 76
Views: 4349

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: 3177

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: 3177

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: 6862

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: 2335

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: 8105

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: 9250

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: 2661

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: 1406

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: 7063

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: 1364

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: 994

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: 4721

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: 1420
Views: 271114

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: 4003

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...
by Minot
Tue Jun 16, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6865

Re: The Grand Canyon

mbk734: After three trips around the world, The Grand Canyon in the United States is the most spectacular "nature destination" that I have seen. Best wishes. Taylor And the most powerful way to see it is to take a 2-week long oar-powered raft trip through it, in October. The October part ...
by Minot
Sun Jun 14, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 4180

Re: Unwise to keep funds at one bank?

I was told, but did not verify, that the FDIC insurance has 99 years (fine print) to make good on the money. If that is the case, you may want to have diversity. All it took for me to verify that this is NOT true was Googling fdic 99 years. Top result was an FDIC page which says, MISCONCEPTION 5: T...
by Minot
Mon May 25, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 5711

Re: When is it safe to share financial details with gf, future wife

And, okay, I'll go ahead and say it: your post begs the question, how good is the communication between you two? Because it seems weird to me that you're planning to marry someone you obviously don't know that much about. Huh?!? OP says "we are on the same page as far as LBYM, investing, no de...
by Minot
Thu May 21, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1144

Re: Investment Priority turned upside down?

The usual advice is to favor tax-deferred accounts over taxable. "Investing in a prioritized order will maximize the tax efficiency of a portfolio." https://www.bogleheads.org/wiki/Prioritizing_investments Similar reasoning favors Roth conversions using taxable savings to cover the tax. B...
by Minot
Thu May 21, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice for younger friend
Replies: 11
Views: 864

Re: Advice for younger friend

myrrh wrote:You told him to do this in a Roth IRA, not a taxable account, right?
Assuming he has earned income. Does he have access to a 401K, 403b, etc., and does it provide a match? If so, that should be his choice rather than the Roth, since the match is free money.
by Minot
Mon May 18, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities
Replies: 42
Views: 4672

Re: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities

Fortunately, being single and expecting to continue so, I don't have to figure out whether Wade's article has value for me; it clearly does not apply.
by Minot
Sat May 02, 2015 9:47 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 3821

Another issue with the new format

I usually have several tabs open, and switch back and forth between them. Up to this point if I was in the Bogleheads Forum, no matter where, the tab read "Bogleheads.org." Now it shows the subject line of the topic, which my 78 year old brain finds confusing. As a browser of Bogleheads wh...
by Minot
Thu Apr 30, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares - Is there any disadvantage to them?
Replies: 15
Views: 1668

Re: Admiral Shares - Is there any disadvantage to them?

And my experience has been that if my Admiral fund dips below $10,000 due to market decline (as opposed to my withdrawals), Vanguard has not downgraded it.
by Minot
Thu Apr 23, 2015 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling An RMD Into A Roth
Replies: 7
Views: 907

Re: Rolling An RMD Inro A Roth

If you're referring to the Amy Chain/Joel Dickenson video dated Mar 23, 2015, he is suggesting using Roth conversions in order to avoid future RMDs, though in context of the discussion, it's not altogether surprising that you didn't pick up on the conversion part. It's clearer in the transcript.

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