Search found 327 matches

by Offshore
Sat Jan 30, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 726

Re: Saturday VG phone support no more?

There isn't a lot to gain by pre-loading - a buy order is only a couple clicks. After a question or two with my VG rep., it's time for annual rebalancing which I have not yet done. This is will involve shuffling into and out of 7 funds, so, multiple clicks per fund adds up. Would be nice to get it ...
by Offshore
Sat Jan 30, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 726

Re: Saturday VG phone support no more?

Bummer.
Perhaps you know the answer to what I was going to ask...can one place "buy" orders in a suspended state, or, does VG's system need an investor to submit the order. The question is for mutual funds, not ETF's. Thanks.
by Offshore
Sat Jan 30, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 726

Saturday VG phone support no more?

I know I have called Vanguard on a Saturday.
Their website shows phone support as Monday-Friday only. Has there been a change or is my memory slipping?
by Offshore
Tue Jan 12, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 8814

Re: How common is this [Have more money 10+ years into retirement]

Observations from reading this thread: Folks with more $ into retirement tend to have pensions or some form of income. They retired at an opportunistic period for market returns. They have invested aggressively (% bond allocation something less than current age) All good and well. My sincere congrat...
by Offshore
Sun Jan 10, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13792

The real Dr. Burry

If you are fascinated by the story, you should appreciate this.

http://news.vanderbilt.edu/2011/04/video-burry-cls/.
by Offshore
Tue Jan 05, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13792

Re: The Big Short

I agree with everything jdb said (attended a matinee with my wife).
by Offshore
Thu Dec 31, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market or CD Ladder.
Replies: 8
Views: 1210

Total Bond Market or CD Ladder.

It is disappointing to watch the NAV of TBM fall. Lately, it seems like TBM hits a new 52 week low every week. With a 50:50 AA and only 4.5 years remaining before retirement, it is a bit concerning too. I've been thinking of building a CD ladder. 3, 6, 9 and 12 month CD's using a large chunk of the ...
by Offshore
Fri Nov 27, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1213

Re: HSA Administrators

packet, I read through the string you linked. Wow! I give you credit for keeping your head while trying to track down your hard earned money. I am also glad to hear you receive prompt telephone customer service. Honestly, I have such trust in Vanguard that their endorsement alone carries a lot of we...
by Offshore
Thu Nov 26, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1213

Re: HSA Administrators

tbradnc,

Thank you for the reply. I am so glad to read your favorable review!
by Offshore
Wed Nov 25, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1213

HSA Administrators

This is the recommended HSA vendor on Vanguard's website. Our company is considering a move to them. I am seeking feedback on HSA Administrators from BOTH the perspective of the individual account holder, and the employer side. How is their customer service? Is it easy to reach a representative? Do ...
by Offshore
Sun Aug 02, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1331

Re: Inside Passage Cruise

Really helpful information. Thank you to all who have responded.

Offshore
by Offshore
Sun Aug 02, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1331

Re: Inside Passage Cruise

Kanoehe,

Thanks, helpful.
by Offshore
Sun Aug 02, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1331

Inside Passage Cruise

My family leaves Thursday for an Alaskan cruise. Ship sails from Seward to Vancouver. My wife is unsure of how to pack. The current weather is high 50's-low 60's, misty rain. Aside from a rain jacket, sweatshirts and heavy shoes, should we have a knit cap and light weight gloves? Anything else? Most...
by Offshore
Sat Mar 07, 2015 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA question
Replies: 2
Views: 320

Re: Back Door Roth IRA question

My subject line is misleading. It should read "Spousal Contributions to a TIRA." From what I am finding elsewhere (investopedia.com) here are the rules on spousal contributions: Generally, individuals who are unemployed are not allowed to contribute to retirement accounts such as IRAs beca...
by Offshore
Sat Mar 07, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA question
Replies: 2
Views: 320

Back Door Roth IRA question

Bogleheads wiki has a page "Backdoor Roth IRA". There is link to a review authored by thefinancebuff (tfb). He states: "As long as you have earned income, even if your income is “too high,” you can still make a non-deductible contribution to a traditional IRA". What?? I have been...
by Offshore
Sun Mar 01, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard 529 plans
Replies: 4
Views: 834

Vanguard 529 plans

VG offers 3 options in their age based 529 savings plan, "conservative, moderate and aggressive". We have been using the aggressive option, and due to mostly luck, have been rewarded since most deposits have been post-2009. At this time the aggressive option, in my son's age group, is 50:5...
by Offshore
Sat Feb 28, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 3369

iPhone upgrade

Our old iPhone 4's are failing. My wife and I are looking at either 5s or 6. AT&T is our current carrier, and we have no contract to honor. The AT&T rep told me a new 5s would cost $550. per phone!! If we paid this price, our plan is unchanged in every way. A second option is to purchase an ...
by Offshore
Wed Feb 25, 2015 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Individual TIPS
Replies: 13
Views: 1044

Re: Individual TIPS

Nisiprius, You make an excellent point about complexity. Funny thing about (my) indexed portfolio, is that I managed to make it more complicated than need be (by slicing and dicing). Unrealized gains are golden handcuffs in the taxable funds. I am not complaining, just making a confession through ex...
by Offshore
Wed Feb 25, 2015 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Individual TIPS
Replies: 13
Views: 1044

Re: Individual TIPS

furwut,
Hadn't considered I bonds. Aren't we limited in the amount that may be purchased? Hey, thanks for the references to thefinancebuff's material.
by Offshore
Wed Feb 25, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Individual TIPS
Replies: 13
Views: 1044

Individual TIPS

I have become more interested in purchasing individual TIPS bonds (have been using a fund). My motivation is my 50:50 AA. On the bonds side, I'm mostly TBM, but do toss in some TIPS. I'd like not to worry about interest rate changes, thus my motivation of holding individual TIPS to maturity. Probabl...
by Offshore
Sat Feb 21, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 114286

Re: Tesla S

This week, I had the opportunity to test drive a P85D. Tesla's dual motor vehicle is so far ahead of anything out there, there are no apples to apples comparisons available. Who else updates their product via internet download (rhetorical)? The car I test drove has a downloadable firmware update tha...
by Offshore
Wed Jan 21, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 9939

W. Bernstein, WSJ 1/20/2015

[Thread merged into here, see below. --admin LadyGeek] If Dr. Bernstein catches this post, wish to say "I loved your piece in Thursday's Journal." As I read it, the prose took on a familiar tone; funny, smart, informative and captivating. I could not put it down. About half way through, I...
by Offshore
Thu Jan 15, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1345
Views: 276591

Re: What Book Are You Currently Reading? Part VI

The Goldfinch. Only 38% in (kindle). Good story. Incredible prose.
by Offshore
Wed Jan 14, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 8624

Re: Poll - How much is enough / what's your number?

Whatever I have the day I decide I really don't want to work any more or my employer decides I need to go. Although I voted a number on the survey, I mostly agree with Rodc's statement. I really don't have a "magic" number- when the time comes, I'll figure out what my budget has to be, an...
by Offshore
Tue Jan 06, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 2
Views: 393

Re: Wash sale question

Yes, I thought these two could be good pals on the TLH teeter-totter. Thanks.
by Offshore
Tue Jan 06, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 2
Views: 393

Wash sale question

Any problem TLH'ing out of FTSE into Total Int'l.?
by Offshore
Mon Dec 08, 2014 8:32 pm
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 22
Views: 3509

Re: Suspicious House Odor

We had something similar, but it occurred while a bathroom renovation was underway. Turned out it was mold growing under poorly laid tile/drain area. The whole thing needed to come up and be redone. We didn't know it was a mold odor but after the tile was ripped out we saw the mold. The area was cle...
by Offshore
Sat Dec 06, 2014 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgages
Replies: 7
Views: 708

Re: Reverse Mortgages

Thank you. Quite helpful.
by Offshore
Sat Dec 06, 2014 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgages
Replies: 7
Views: 708

Reverse Mortgages

Today's WSJ raised a question I need help with. When a house on a reverse mortgage program is sold, after the last mortgage holder dies, and the estate does not want to keep the house, what happens if the amount the house is ultimately sold for does not cover the reverse mortgage loan? Is the estate...
by Offshore
Sat Dec 06, 2014 8:27 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 8509

Re: Why So Many Used Prius for Sale?

A bit off topic, but not by much. In 2008 I bought a new Prius, touring edition. It is pimped out with all the options and I paid about $25k. Literally, over 6.5 years the only expense has been gas, oil and one set of tires. The cost of ownership has been negligible. I am a physician, and take some ...
by Offshore
Fri Dec 05, 2014 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Legal Protections Question (Rental Property)
Replies: 29
Views: 2367

Re: Legal Protections Question (Rental Property)

We have a rental property and consulted our family atty. on this very matter. It was not expensive to form an LLC and did so. What is the downside of putting your property in an LLC? As far as I can determine, it is a cost issue, solely. We feel better protected, but who knows. Do you know of other ...
by Offshore
Fri Dec 05, 2014 7:57 am
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 12124

Re: Most Hated Brokerage Firm? [or one that you love]

SMITH BARNEY! Both my wife and I received checks last week. Seems long ago (decades), the above crooks overcharged on advisory fees and the NY state atty. general has successfully sued them to pay back the unfortunate suckers (me and my wife included). The checks were a double problem because they w...
by Offshore
Fri Nov 07, 2014 11:32 am
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 8125

Re: Merc or BMW?

randomguy: what is CCA? Obviously, I'm not a member of this, but curious as to what it is. As sexy as these german cars are, I have had consistant reliability with Japanese cars. The Acura RL (now RLX) is panned by Consumer Reports. Too bad. They go so far to say as "not recommended". Do p...
by Offshore
Thu Nov 06, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 8125

Merc or BMW?

BMW 328d xdrive is Consumer Reports highest rated luxury compact. The 2015 Merc C class is attractive also. It has more std. safety features than 3 series BMW. Similarly priced. Question is, if both taken care of, and driven conservatively, which will be more reliable (fewest repair issues) over a 1...
by Offshore
Sat Nov 01, 2014 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 1072

Re: where to place dividends in taxable acct.?

Livesoft, you posted your reply while I was typing, thus didn't see it.
So, do you do a continuous rebalance throughout the year, as you have dividends paid out that are not needed for expenses?
by Offshore
Sat Nov 01, 2014 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 1072

Re: where to place dividends in taxable acct.?

Thanks for the responses.
Based upon your replies, it seems that there is no absolute correct method here.
I would guess that as long as one method is adhered to consistently, the outcome will be very similar in the long term.
by Offshore
Sat Nov 01, 2014 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 1072

where to place dividends in taxable acct.?

Our retirement savings is mostly taxable. The stock side of the portfolio is composed of 5 mutual funds that direct dividends back to the fund , and 2 ETF's that redirect dividends to a money market account. The 2 ETF's are VEU and VSS, both with negative YTD returns. This year, had dividends been u...
by Offshore
Sat Oct 04, 2014 12:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273640

Re: What Movie Have You Recently Watched?

"All is lost". Robert Redford. I can not recommend it.
by Offshore
Tue Sep 09, 2014 2:41 pm
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 4547

Re: Should anyone invest in short-term bonds at this point?

cfs
thank you for the link to Rick's article. Worth the read.

Offshore
by Offshore
Mon Aug 04, 2014 7:24 am
Forum: Personal Consumer Issues
Topic: Career advice for retiring doc
Replies: 16
Views: 2438

Re: Career advice for retiring doc

Google "Volunteers in Medicine". Seems right up your alley.
by Offshore
Tue Jul 29, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 3144

Re: New HVAC system

Two thumbs up for Lennox. We have a unit with a DC motor that runs continuously to maintain constant temp. throughout. Perhaps, more important for layout other than ranch. Still, may be a good thing to consider. I have no comment on tonnage.
by Offshore
Mon Jun 30, 2014 2:11 pm
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 5388

Re: How many Bogleheads golf?

Love it! Not a great player. Currently at 14 handicap index. Play >25 rounds per year.
by Offshore
Tue Jun 03, 2014 6:26 pm
Forum: Personal Consumer Issues
Topic: New car for improved safety
Replies: 33
Views: 3164

Re: New car for improved safety

I currently drive a 2002 Mazda Protege. It has 90k miles and runs fine, so I have no desire to replace it, unless a new car would be significantly safer. Would you upgrade to a new car strictly for improved safety? What are considered the safest vehicles? I know Volvo has a long reputation for safe...
by Offshore
Mon Jun 02, 2014 10:39 am
Forum: Personal Finance (Not Investing)
Topic: what has biggest influence on your stock/bond ratio
Replies: 27
Views: 1883

Re: what has biggest influence on your stock/bond ratio

I suspect most would choose "age" if it were on there :) Age is part of ability to take risk. If you are ten years or more from retirement and have a secure job, you have the ability to take risk, and could be 100% stock if other criteria are right. If you are already retired, you don't h...
by Offshore
Mon Jun 02, 2014 10:14 am
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 10480

Re: does frugality result in lower career ambition?

Interesting question. For me personally, I don't think being frugal has anything to do with my career ambition. If nothing else, I'm motivated to earn more which in turn allows me to save more and retire sooner. I've never really been motivated that much by material goods, so that may just be me. N...
by Offshore
Sat May 31, 2014 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 10014

Re: Are hybrid cars a good idea yet?

FWIW, I have driven a Prius since I purchased it new in 2008. My only expense has been gas and oil changes. It has been flawless, mechanically. I will tell you, Prius drivers get no respect on the road (speaking of my midwest town). People will pull out in front of you and generally disregard the v...
by Offshore
Thu May 29, 2014 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 10014

Re: Are hybrid cars a good idea yet?

FWIW, I have driven a Prius since I purchased it new in 2008. My only expense has been gas and oil changes. It has been flawless, mechanically. I will tell you, Prius drivers get no respect on the road (speaking of my midwest town). People will pull out in front of you and generally disregard the ve...
by Offshore
Thu May 22, 2014 2:02 pm
Forum: Personal Consumer Issues
Topic: White collar crime book recommendations?
Replies: 21
Views: 1329

Re: White collar crime book recommendations?

2nd any of Michael Lewis' books.

"The Big Short" I liked more than "Flashboys". Both good reads.

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