Search found 353 matches

by Mr.BB
Thu Jan 18, 2018 5:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 7999

Re: Post your Financial Milestone Announcements Here

Mine is two part. In Nov 2016 we paid off our mortgage. In December 2017 we joined the two comma club (not including home value).
by Mr.BB
Wed Jan 17, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Home Depot?
Replies: 31
Views: 1837

Re: Sell Home Depot?

Nothing wrong with owing individual stocks, as long as it is not the majority of your portfolio. Looks like you have made a very nice profit; congratulations. But just a reminder, it is only profit on paper. Why not take some profit and perhaps pad your emergency fund? Or another way to think about ...
by Mr.BB
Mon Jan 15, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 105
Views: 5894

Re: Looking for a reasonably priced, safe international destination

Check out TripAdvisor for tourist spot information possible tour guides rates, etc. It is really a great site for some very good feedback especially if you want to visit various tourist sites.
by Mr.BB
Fri Jan 12, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: 2017 HR Block tax federal tax update won't install
Replies: 10
Views: 588

Re: 2017 HR Block tax federal tax update won't install

I use Windows. No problems on installation, adding info or updates.
by Mr.BB
Thu Jan 04, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3222

Re: Edward Jones - help

Is it possible to open a Brokerage 401k with your plan? That is what I did with my wife's 401k when they made changes over to BlackRock. Now we have contributions going to her regular 401k and the brokerage 401k.
by Mr.BB
Thu Jan 04, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24189

Re: Hitting The Sell Button

I've been running around a 70/30 portfolio the last couple years enjoying very nice returns. I do think this bull market has a little more to run( just personal feeling) with that in mind we decided to move to a 78/22 for the year. We'll look at where we're at the end of the year, and adjust accordi...
by Mr.BB
Tue Jan 02, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6128

Re: Did everyone in the early 80s have their money in CDs?

I was to stupid to be investing, let alone understanding the value of compounding interest and the value of a guaranteed 15% return on a investment with basically zero risk. Never a time machine around when you need one.
by Mr.BB
Sun Dec 31, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: New Year's smile
Replies: 1
Views: 441

New Year's smile

Just got a knock on the door. It wasn't Santa or the New Year's fairy wanting to give me a present. It was a Edward Jones salesman, trying to take my money....lol. I told him I was an indexer (80% true), and I told him I've done very well. He goes "really?" He started saying something else but I cou...
by Mr.BB
Sun Dec 24, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 64
Views: 6231

Re: Do any of you follow Bob Brinker?

I used to listen to him from time to time a few years ago. I forgot the name of the guy who tracks investor's newsletters and how well/accurate they were in their predications. I do remember him saying the Brinker back in 2003 was the guy closet to picking the bottom of the market and telling his su...
by Mr.BB
Fri Dec 22, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Motive for 401(k) advisor to change funds? Something fishy?
Replies: 44
Views: 2570

Re: Motive for 401(k) advisor to change funds? Something fishy?

Is it possible (or proper?) to talk to your company's boss about this? I am currently discussing this issue with one of my bosses. He seems very receptive, although I am a bit wary of being considered a "troublemaker". I will see how receptive his son is when he returns from vacation. My employers ...
by Mr.BB
Thu Dec 21, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Motive for 401(k) advisor to change funds? Something fishy?
Replies: 44
Views: 2570

Re: Motive for 401(k) advisor to change funds? Something fishy?

Is it possible (or proper?) to talk to your company's boss about this? I am currently discussing this issue with one of my bosses. He seems very receptive, although I am a bit wary of being considered a "troublemaker". I will see how receptive his son is when he returns from vacation. My employers ...
by Mr.BB
Thu Dec 21, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Are pensions protected from sponsoring company's financial woes?
Replies: 8
Views: 970

Re: Are pensions protected from sponsoring company's financial woes?

Anything can happen to your company's pension plan. My wife works for a large company who basically went though restructuring years ago. Their pension was taken over by PGBC which I guess saved it. However, the future payout was cut in half. Fortunately, we have a number of years to go before she co...
by Mr.BB
Wed Dec 20, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Motive for 401(k) advisor to change funds? Something fishy?
Replies: 44
Views: 2570

Re: Motive for 401(k) advisor to change funds? Something fishy?

Is it possible (or proper?) to talk to your company's boss about this?
by Mr.BB
Fri Dec 15, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4971

Re: Wow. Just Wow.

Years ago I used to belong to a small networking group and the problem was if you didn't believe in a person's company or product (they might be a nice person) but let's say they were a representative of Edward Jones or Ameriprise you might feel pressured to recommending people for them because you ...
by Mr.BB
Thu Dec 14, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15616

Re: Do people still use AAA?

I do. I have used it a few times, always paid off to have it. In fact saved a lot of money on my current vacation hotel rate because I had a AAA card.
by Mr.BB
Wed Dec 13, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 124
Views: 11902

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

+1 One of the greatest things about traveling to different countries is seeing the different cultures, their values, beliefs, etc.
by Mr.BB
Sun Dec 10, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 8929

Re: Why is Vanguard switching all accounts to brokerage accounts?

I told them my current format does what I need it to do and I was not interested in changing, they said no problem. However they still put "Upgrade link " buttons on the top of all my accounts when viewing online.
by Mr.BB
Fri Dec 08, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 4027

Re: Which is better: Wellesley or 5-yr 2.5% CD?

Thanks, all, for your quick replies! My friend won't touch the money for at least five years (he's open to leaving it in longer, but five years minimum), so there will be no panic selling. And he doesn't need to reach a certain goal, per se, just not lose principal, and he needs to make more than t...
by Mr.BB
Mon Dec 04, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9467

Re: Regrets for taking SS at 62 or waiting?

TheTimeLord wrote:
Thu Nov 23, 2017 10:54 am
Probably won't get a lot of responses from people who waited then died early.That could skew the results you receive.
LOL +1
by Mr.BB
Mon Dec 04, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9467

Re: Regrets for taking SS at 62 or waiting?

TheTimeLord wrote:
Thu Nov 23, 2017 10:54 am
Probably won't get a lot of responses from people who waited then died early.That could skew the results you receive.
LOL +1
by Mr.BB
Mon Dec 04, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard or Betterment for our company 401k plan?
Replies: 10
Views: 1339

Re: Vanguard or Betterment for our company 401k plan?

Honestly, if you can get/keep participant fees low towards either of those numbers you're doing employees a great service. This might be a good time to do a quick lessons on expense ratios with your employees and show them the benefits of 20, 30 and 40 years down the road. A simple online expense r...
by Mr.BB
Sat Dec 02, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7057

Re: Vanguard customer service reps need some training

. . . I told him to break it up into a 25% 45% and 30% break down into each specific fund . . . Concur, very simple instructions. The next time have the rep "read back to you" for possible corrections. Better, the next time just do your transaction using their imperfect website. Wishing YOU and YOU...
by Mr.BB
Sat Dec 02, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7057

Re: Vanguard customer service reps need some training

It is not just Vanguard. It could be anybody. For example, it could be TDAmeritrade where my spouse has a 401(k) with a separate SDBA option that requires a phone call to have money moved between the two sides. You will like this: A phone call to move less than $200 resulted in an extra $85,000 mov...
by Mr.BB
Sat Dec 02, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 50
Views: 4920

Re: Pet insurance?

A lot depends on the dogs in your area. If there are a lot of claims, your rates can go up (no different then any other insurance). Our dog is now turning 8 yrs old. We got her insurance (Trupanion), at 8 weeks old. I think it was around $38.00 a month back then including $5.00 for future hip dyspep...
by Mr.BB
Sat Dec 02, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 40
Views: 4903

Re: personal capital

aristotelian wrote:
Tue Sep 05, 2017 6:13 am
The app/website is fantastic. I ignored the phone calls and eventually they went away.
+1 I put down the wrong phone number, so I don't get bothered by their calls
by Mr.BB
Sat Dec 02, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7057

Re: Vanguard customer service reps need some training

No... Giving very specific instructions to take the money from one fund and exchange it into three specific funds is not chaos; it's simple directions. I'm not going to fix Vanguard's mistake, they can fix it themselves. If you brought your car in to be detailed and you noticed that they didn't clea...
by Mr.BB
Sat Dec 02, 2017 6:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7057

Vanguard customer service reps need some training

Just venting here since I can't call and talk to representative until Monday. I did an exchange (in my Roth account) yesterday over the phone. I wanted to clear out one of my funds since it overlaps with our 401k holdings and put the money to three other Roth funds that I already had in that account...
by Mr.BB
Thu Nov 30, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5384

Re: Edward Jones trap

racy wrote:
Wed Nov 29, 2017 1:48 pm
You might show them what that 1.3% fee will cost them over the next couple of decades. http://buyupside.com/calculators/feesdec07.htm
That single digit fee will balloon!!
+1
by Mr.BB
Thu Nov 30, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10029

Re: Which crash have you seen it before it is coming?

We just past the 10 year anniversary of the peak of the 2003-2007 market peak. I even went back to try to find market news from that day, suggesting that a crash was upon us and that day was the peak; couldn't find anything specific. Though I know most people recognize March 9th, 20009 as the bottom...
by Mr.BB
Thu Nov 30, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10029

Re: Which crash have you seen it before it is coming?

livesoft wrote:
Wed Nov 29, 2017 4:20 pm
Many people have seen 13 of the last 5 crashes before they happened.
+1 LOL
by Mr.BB
Tue Nov 28, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation [in market crash]
Replies: 38
Views: 2101

Re: Asset Allocation [in market crash]

You need to pick your asset allocation in the same way you pick your mate. Pick one you can live with in good times and bad times. It is simply not possible to time getting out of the market and back into the market reliably. This has been shown over and over again by both "experts" and by beginner...
by Mr.BB
Mon Nov 27, 2017 4:37 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4217

Re: Trip to Hawaii - what do I need to know

This is what I wrote from a different post about Hawaii Here are some of my own titbits for your trip. Maui: Kaanaapali...a few degrees cooler and usually winder than down in Wailea. If you do the road to Hana (make sure no one has vertigo!), make sure you don't have an oversize car. The roads are b...
by Mr.BB
Sun Nov 26, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9701

Re: What did you do right?

We started seriously saving very late in life. Back in 2005 we did not have that much in savings In 12 years we created a full year emergency fund Joined the three comma club Live below our means Put money aside every year for new cars (about every 9-10 years)- paid off in full when we need a new o...
by Mr.BB
Sun Nov 26, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9701

Re: What did you do right?

. . . . Joined the three comma club . . . . If you made it to the three comma club in 12 years (2005-2017), you should be able to buy one new car each year, not every 9-10 years. 3 comma club in 12 years from not much savings??? Is that a typo? Probably. I don't think there's a "3 comma club" in Bo...
by Mr.BB
Sun Nov 26, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9701

Re: What did you do right?

We started seriously saving very late in life. Back in 2005 we did not have that much in savings In 12 years we created a full year emergency fund Joined the three comma club Live below our means Put money aside every year for new cars (about every 9-10 years)- paid off in full when we need a new on...
by Mr.BB
Sat Nov 25, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch wants personal info--How to deal
Replies: 33
Views: 3400

Re: Merrill Lynch wants personal info--How to deal

This sounds like a question for a lawyer that specializes in this type of case/information. It may be worth a few hundred dollars to get the correct information on how to proceed; whether it is in the fashion you want or not.
by Mr.BB
Fri Nov 17, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a bad idea to invest several times a month?
Replies: 13
Views: 1328

Re: Is it a bad idea to invest several times a month?

Save as much as you can for as long as you can. If your into dollar cost averaging then you would need to spread it out throughout the year. Just know which accounts are your most important to achieving your yearly goals..roth, 401k..etc. Last year I decided to give myself a saving challenges. In Fe...
by Mr.BB
Wed Nov 15, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 4053

Re: Michelin or Bridgestone?

Check out Michelin Premier A/S
by Mr.BB
Fri Nov 10, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 38467

Re: Did you tell anyone you paid off your mortgage?

We paid our house off last year. It was a great feeling. I think told one friend. BH forum, is definitely the place to get your pat on the back, because most members here understand and appreciate the work it takes be to accomplish that goal.
by Mr.BB
Thu Nov 09, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Where to allocate a $20,000 emergency fund
Replies: 17
Views: 2264

Re: Where to allocate a $20,000 emergency fund

That money is for emergencies....not investing. I wouldn't put in anything risker than a CD or money market. It should be somewhere that you can access immediately. We keep ours at are credit union and it pays 1.16% Considering that is a checking account it pays almost as good as some CD's and I can...
by Mr.BB
Wed Nov 08, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Difference in dividend funds
Replies: 6
Views: 489

Re: Difference in dividend funds

You have to state your personal theory or reason for wanting a dividend-oriented fund. These represent different strategies. Don't choose based on the 1-3-5-10 return charts or Morningstar star ratings, that is not a good practice. If you cannot state for yourself your reason for choosing one of th...
by Mr.BB
Wed Nov 08, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Difference in dividend funds
Replies: 6
Views: 489

Difference in dividend funds

Is there really any big difference between Vanguard Dividend Appreciation Fund (VDAIX) and Vanguard High Yield Fund ((VHDYX)? Aside from the yield difference and one is large value vs large blend. I looked at their 3, 5, 10 yr results and they are relatively close. If you were going to hold one of t...
by Mr.BB
Wed Nov 08, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13785

Re: How old are you and how much do you save for retirement a year

RDHlooking4FIRE wrote:
Tue Nov 07, 2017 8:39 pm
It's funny. Talking to people at work I feel like I'm the only one in the world saving for retirement. Reading on here I feel like I am not doing nearly enough.
It's who you spend your time with that will either raise or lower your bar of success.
by Mr.BB
Mon Nov 06, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Merrill Lynch
Replies: 20
Views: 2103

Re: Vanguard or Merrill Lynch

Look over your records for the past 2-3 years. How many trades or asset allocations did your portfolio manager do for you? Was that worth $2,500 a year?
by Mr.BB
Sun Nov 05, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 4454

Re: Should one use REITs

My wife's 401k makes up approximately 60% of our portfolio. Her company has a U.S Equity Index fund in which we have 20% of our total portfolio in. Unfortunately it is a Trust Index through BlackRock (invests in the BlackRock Russell 3000 Index Lending Trust.) so you can only drill down so deep to s...
by Mr.BB
Sun Oct 29, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Comparing funds for decision
Replies: 14
Views: 975

Re: Comparing funds for decision

Looks like Wellesley did pretty good during those last rate increase years..(pretty good management) Thank you ! You still have to be careful on how you compare funds. If you are comparing funds, it still has to be apples to apples to get an accurate understanding of how that fund compares to other...
by Mr.BB
Sat Oct 28, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing funds for decision
Replies: 14
Views: 975

Re: Comparing funds for decision

From June 2004 - Feds Funds Rate was 1.25% it then increased to 5.25% by the end of June 2006. During that time the Wellesley fund returned (info from Yahoo finance and The Balance.com) YEAR (fund performance) 2004 - 7.57% 2005 - 3.48% 2006 - 11.28% 2007 5.31% Looks like Wellesley did pretty good du...
by Mr.BB
Sat Oct 28, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Pension benefit amount through PBGC
Replies: 3
Views: 395

Pension benefit amount through PBGC

My wife has a pension through her work which was taken over by PBGC a number of years ago. A couple of years ago I did an inquiry what her pension would be at age 65, since that time she's gotten a promotion / raise. My question is will her pension amount increase in the future because of her raise ...