Search found 6433 matches

by Sidney
Sun Jan 15, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 4827

Re: Flafship Reps

sambb wrote:wow, unbelievable how bad it is getting at vanguard.

How often do you speak with your Flagship rep? Twice in last ten years for me.
by Sidney
Mon Jan 09, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 79
Views: 3740

Re: Getting rid of mice

Teague wrote:We finally settled on poison. This was our last choice, but it works. We are careful to keep it away from our domestic animals.

Pets will avoid it, generally. The problem is one step removed in the food chain (mainly birds). Birds can't discriminate between a contaminated prey and a clean one.
by Sidney
Fri Jan 06, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 79
Views: 3740

Re: Getting rid of mice

We usually catch a few in the garage every winter with snap traps. In the summer, the snakes, hawks and owls pretty much contain them (ours are field mice coming in looking for warmth and food). Poison can end up back in the food chain if the mice eat it and then leave. If they eat it and then die t...
by Sidney
Fri Jan 06, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Can someone explain Vanguard's higher turnover rates vs Index Funds?
Replies: 22
Views: 1936

Re: Can someone explain Vanguard's higher turnover rates vs Index Funds?

I am going to venture a guess on the Treasury fund: the fund is probably trying to keep a tight distribution of maturities around a median so when bonds held for a while drop below some threshold (say, 3 years), they sell them off and buy on the top end of the range. In essence they are running a ro...
by Sidney
Thu Jan 05, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Wake up lights?
Replies: 11
Views: 1098

Re: Wake up lights?

mc2 wrote:I'm curious to know of your experience with wakeup lights. Do they really get you out of bed any earlier?

Alarm clock?
by Sidney
Tue Jan 03, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Domestic Overnight Letter
Replies: 13
Views: 1177

Re: Domestic Overnight Letter

Same reason you can buy a Chevrolet for less than a Lexus. Some of it is features and some of it is marketing.
by Sidney
Sun Jan 01, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205075

Re: What are you up YTD? [Year To Date]

40/60 portfolio - up 6.6%
by Sidney
Sun Jan 01, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying (consolidating) IRA accounts
Replies: 1
Views: 123

Simplifying (consolidating) IRA accounts

Both my spouse and I each have a Traditional IRA and a Rollover (Traditional) IRA. We are in our mid 60s and will never have any need to roll the rollover back to a qualified plan. Are there any reasons why we each should not simply consolidate the TIRA and Rollover TIRA into a single account (one f...
by Sidney
Sun Dec 25, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2209

Re: Active Funds better than Index Funds for coming Bear Market?

I didn't click through to the article. Did Forbes publish their track record over the last 50-60 years where they successfully predicted imminent bear markets?
by Sidney
Thu Dec 22, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: How to Go from Buy-and-Holder of Individual Stocks to a Boglehead?
Replies: 28
Views: 1519

Re: How to Go from Buy-and-Holder of Individual Stocks to a Boglehead?

Allowing the "tax" tail wag the "gains" dog is NOT my investment strategy...but to each his/her own. What he is describing is a variation on tax loss harvesting. Obviously there is a slight risk doing it with one side being un-diversified but if it is a group of stocks, the effe...
by Sidney
Thu Dec 22, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4085

Re: Afraid of retirement??

No ...
by Sidney
Tue Dec 20, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: mechanics of donor advised fund
Replies: 23
Views: 1020

Re: mechanics of donor advised fund

A DAF is also useful for making donations anonymously. We live in a smallish city and this keeps us off the whisper lists when donating to local charities. The large national charities will normally honor your request to not share your name but you can't stop people from talking around town.
by Sidney
Fri Dec 16, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Yahoo email advice
Replies: 17
Views: 2841

Re: Yahoo email advice

Change your password. Use a longer, nonsensical password that includes special characters, upper and lower case letters and numbers. Problem solved. If the Yahoo email is used for anything important or risky (bank PW resets, Amazon username ....) I would consider getting a different (new) email add...
by Sidney
Fri Dec 16, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1407

Re: Good Time To Rebalance a Tad?

This may well be the right move for you but most people would not call a shift of allocation due to changing life circumstances (or even market conditions) "re-balancing." Re-balancing is typically adjusting an allocation that has drifted from the target allocation back to or closer to the...
by Sidney
Thu Dec 15, 2016 9:12 am
Forum: Forum Issues and Administration
Topic: What happens when you speak in TICKER language.
Replies: 44
Views: 6857

Re: What happens when you speak in TICKER language.

If the admins were so inclined, they could install a ticker translation tool on the forum server so that this feature is automatically & easily accessible to everyone. I think the admins want to keep the system as generic as possible. I don't blame them; they don't get paid to operate this foru...
by Sidney
Sun Dec 11, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best/ safest way to access Vanguard account online?
Replies: 16
Views: 1961

Re: Best/ safest way to access Vanguard account online?

Use a dedicated computer or dual boot. I suppose a non-persistent bootable flash drive or DVD would also do the job.
by Sidney
Sun Dec 11, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3819

Re: Netflix Question

So Netflix was okay with this? It would seem to me to be theft. If not, I might split an account with a friend or sibling. JT That was my first reaction but I skimmed their TsandCs and didn't see any prohibition. If they limit the account to a fixed number of devices I suppose they have effective c...
by Sidney
Sun Dec 11, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: gas cooktop question
Replies: 12
Views: 1131

Re: gas cooktop question

Sounds like the burner might not be getting enough oxygen to generate the normal blue flame. Could be a minor adjustment or cleaning required.
by Sidney
Sun Dec 11, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: What's an Account Valuation Report for?
Replies: 6
Views: 332

Re: What's an Account Valuation Report for?

Maybe country clubs require certification that you are wealthy enough to play golf with them. :P
by Sidney
Sat Dec 10, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year End Distributions
Replies: 37
Views: 3757

Re: Vanguard Estimated Year End Distributions

IOW, your $200 dividend means $200 in cash (or $200 worth of new shares), but your 1099 will show $212 in dividends, 70% of which are qualified, 30% of which are not, and after computing the US tax on that, you may be entitled to a tax credit of $12. This is often overlooked and pops out when you r...
by Sidney
Sat Dec 10, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Tax headache: 3rd party reimbursement of work-related travel
Replies: 1
Views: 155

Re: Tax headache: 3rd party reimbursement of work-related travel

I think the form you need is form 2106. Most tax software should be able to handle this quite easily, I think.
by Sidney
Tue Dec 06, 2016 9:50 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 114
Views: 15068

Re: A suggestion

This has come up several times before and been rejected by the forum owners.
by Sidney
Wed Nov 30, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Naive question about laptop repair
Replies: 13
Views: 1096

Re: Naive question about laptop repair

I thought you just bought a Thinkpad.
by Sidney
Mon Nov 28, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21893

Re: Retreat to cash

itstoomuch wrote:What many responders didn't seem to understand is that; You don't care. You have enough retirement funds.

Which would suggest that the original post was a troll.
by Sidney
Sat Nov 26, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7025

Re: Black Friday - is this overdone?

The reality is that in many areas of the U.S., Walmart is often the only employer with openings . In a perfect model, potential employees would have choices, in this case, the other alternative is often public assistance. That's interesting. Walmart only opens stores in area where they are assured ...
by Sidney
Fri Nov 25, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7025

Re: Black Friday - is this overdone?

I wouldn't set foot in a store on Black Friday. It's obscene consumerism run amok. The opposite trend is Friday is Buy Nothing Day, often accompanied by donate coats or get a free coat events. I was sorry to see a post on facebook today that Black Friday had spread to the Scandinavian countries. Al...
by Sidney
Fri Nov 25, 2016 3:56 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2377

Re: "Bonds And The Good News About Rising Rates"

One piece of good news from higher interest rates is that it will help retirees and savers in general. I for one don't like needing a microscope to see the interest rates paid on my bank deposits. The very low interest rates helped the banks but penalized savers. Higher interest rates will also hel...
by Sidney
Fri Nov 25, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2377

Re: "Bonds And The Good News About Rising Rates"

So, in my particular case I am currently having bond fund dividends redirected to my checking account as income. Without reinvesting will I still eventually benefit from higher rate payouts? Yes, but not as quickly as you would if you reinvested dividends. The fund will purchase new bonds with high...
by Sidney
Mon Nov 21, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of retiring
Replies: 22
Views: 3440

Re: Thinking of retiring

How secure is the pension?
by Sidney
Mon Nov 21, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8250

Re: Do you track your net worth? How long have you done so?

Once per year, unless there is a major event, I send a balance sheet to our attorney to include in the files with our wills. I use the latest assessed value on the house and do a wet-finger estimate of personal property.
by Sidney
Wed Nov 16, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8424

Re: Cannot get myself to spend my savings

Having said that, for me, charitable giving has become a rewarding way to ease into spending. Turns out, the more I give the more I want to give. This is an excellent way to "loosen up" so to speak. On a smaller scale, but similar, tipping very well at restaurants is also a good way to ge...
by Sidney
Wed Nov 16, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Snail Mail Address / IRS / SS question
Replies: 8
Views: 795

Re: Snail Mail Address / IRS / SS question

I don't know for sure, but I doubt the IRS will notify SS of an address change. Communications between government agencies is not their strong suit. :D Based on some discussions I have had with an agent who is a neighbor of mine, some IRS communications to other agencies are restricted. They will n...
by Sidney
Wed Nov 16, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Tax credit question
Replies: 6
Views: 598

Re: Tax credit question

There is a form for this that will tell you the answer.
https://www.irs.gov/pub/irs-pdf/f5695.pdf
by Sidney
Mon Nov 14, 2016 6:47 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 88
Views: 13175

Re: Muni bonds are getting killed. Are you bailing out?

How much are they down? I remember a day in 1987 when stocks dropped 22%
by Sidney
Sun Nov 13, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: Non-passive investment vehicles
Replies: 3
Views: 355

Re: Non-passive investment vehicles

I have seen quite a few posts from people who have cashed out of a business ownership so I suspect that one of the more common examples outside of real estate is starting/buying a business. In anything like this it is important to allocated the income between labor and capital -- some of the income ...
by Sidney
Tue Nov 08, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 84
Views: 10049

Re: Amazon Echo

Isn't anyone concerned about having something constantly listening to everything you say, all the time? That's enough to dissuade me from buying. I just don't want something that will be plotting with my toaster to assassinate me in the middle of the night. Tablet and computer are enough for me rig...
by Sidney
Mon Oct 31, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: 4G LTE tablet for Verizon prepaid
Replies: 10
Views: 746

Re: 4G LTE tablet for Verizon prepaid

jebmke wrote:Get the tablet you want without 4G and use phone as hotspot or get MIFI.

This is what I do. I have a Verizon MIFI which I can use for multiple devices.
by Sidney
Fri Oct 28, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5517

Re: Sued for General Advice?

DVMResident wrote:If you're giving advice to friends and family, chances are pretty low that you'll get sued.

More likely to lose a friend or estrange a family member.
by Sidney
Thu Oct 27, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3655

Re: How do you make your Martini?

quart of methanol. Three tablespoons of anti-freeze and six lug nuts.
by Sidney
Sun Oct 09, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Crossing the line (becoming a miser)
Replies: 71
Views: 9430

Re: Crossing the line (becoming a miser)

closetoreality wrote:What are some symptoms that would red flag someone as a miser?

Is it unhealthy or just a preference, and is it right or wrong?

What is a good way to avoid turning into a miser?

Start small. If you eat in restaurants, give larger than normal tips.
by Sidney
Sat Oct 08, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Creating Portfolio That Generates Income
Replies: 6
Views: 1132

Re: Creating Portfolio That Generates Income

fixed income is not a growth investment
by Sidney
Thu Oct 06, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Can You Rely on Dividends for Income?
Replies: 43
Views: 5591

Re: Can You Rely on Dividends for Income?

I'm a "bird in the hand" type of investor, because after the dividend is paid, it is my money, not the company's. There are other passionate, non-dividend investors that prefer the company use the money to expand the business, thinking that the price increase will occur due to a lack of d...
by Sidney
Thu Oct 06, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 2 Factor verification
Replies: 5
Views: 424

Re: Capital One 2 Factor verification

Interesting. What are the top key log detecting softwares? Does W10 have this built in?
by Sidney
Fri Sep 30, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement reality check
Replies: 36
Views: 7151

Re: Early retirement reality check

Seriously! Why? He has every right to spend his hard earned money any way he wants. Probably lives in a desireable HCOL. Insurance including health, home, auto, umbrella could be $25k alone at his level of wealth. Exactly. Except to the extent that he may not be directly or indirectly (through the ...
by Sidney
Thu Sep 29, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 21
Views: 3817

Re: Why are tax-exempt money market yields so high?

patrick wrote:It is truly a bizarre world we live in where a money market yield of 0.63% is considered high.

if you converted that to a pre-tax yield and subtract inflation you are probably within spitting distance of zero real yield on short term, fairly low risk paper. Doesn't seem strange to me.
by Sidney
Thu Sep 29, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4533

Re: Retirement based on not on #, but healthcare?

Many people wait until they are Medicare eligible to retire.
by Sidney
Tue Sep 27, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest VFWAX down 4.25%
Replies: 3
Views: 617

Re: Tax Loss Harvest VFWAX down 4.25%

Most of us don't know what VFWAX is.

In general, I harvest losses whenever I have them in my taxable account.
by Sidney
Thu Sep 22, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 6159

Re: Yahoo says hackers stole info in 500 million user accounts

Would love to know if they disclosed this to Verizon when they did their due diligence on the acquisition.
by Sidney
Sun Sep 11, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 4350

Re: map frustration

If a poster asked how heavy a brick he/she should duct-tape to his accelerator pedal because he couldn't quite reach it, a few responders might say "four pounds" or "definitely five pounds!" But the best answers might be "there are better ways to solve this simple problem.&...

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