Search found 115 matches

by TF Hutch
Fri Mar 24, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1160

Re: Vanguard's website is down (for me anyway)

Got in, then locked up, finaly kicked out.
by TF Hutch
Fri Mar 24, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1160

Re: Vanguard's website is down (for me anyway)

Still out.
A continuation of poor customer service perhaps.
Vanguard appears to have growing pains
by TF Hutch
Thu Mar 23, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 19
Views: 1889

Re: Emergency Fund...Savings, Money Market, or CD?

KISS (keep it simple stupid) :happy I prefer simplicity. Emergency funds need to be liquid, need to be safe, need to be simple. Therefore, I recommend an FDIC insured Bank account. Ally Bank 1% Online Savings account meets these requirements. : For longer term emergency savings I suggest Roth IRA. C...
by TF Hutch
Sun Jan 15, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: 28yr old newbie playing catch up
Replies: 29
Views: 2498

Re: 28yr old newbie playing catch up

Your doing just fine. Just keep doing it! Remember most Bogleheads are saving overachievers. It can be disheartening to think you are late to the game. You're not. Try to KISS (Keep it simple stupid). Good advice here. My advice,tax deferred savings first, get rid of debt second, third build savings...
by TF Hutch
Sun Jan 15, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Amazon???
Replies: 22
Views: 3149

Re: Amazon???

Tesla will be losing its federal rebates shortly, after it sells 200,000 vehicles in the US. Tesla has made no money yet and is overpriced. Still I have a small position in Tesla, less than 2% of my portfolio. It has already paid for a major portion of my Tesla Model S lease and if I am fortunate th...
by TF Hutch
Tue Jan 10, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 132
Views: 21085

Re: USAA 2.5% Cash Back Credit Card

My AAA MasterCard pays 3% cash back on "qualified" purchases. Pays to the penny to your bank account.
Card cost <$5 to open, gives you a $50 AAA credit
The best Travel card I could find. 8-)
by TF Hutch
Tue Jan 10, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28588

Re: Whats your number to walk away?

.....
by TF Hutch
Tue Jan 10, 2017 5:20 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31344

Re: South Florida Local Chapter

Thanks for the location info. I just PMed jjmiller6671 to pair up for the ride down from Palm City in the Tesla. Looking forward to seeing everyone there.
How many attendees now Miriam2?
by TF Hutch
Sat Dec 17, 2016 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Did Intuit ruin Taxcaster?
Replies: 24
Views: 2552

Re: Did Intuit ruin Taxcaster?

I found he iPad version to be the same as previous year. Very helpful.
by TF Hutch
Sun Dec 11, 2016 11:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31344

Re: South Florida Local Chapter

Is there a sign up sheet for this? This will be at least the third "SoFL Bogleheads chapter" meeting. I am hopeful that we can find an adequate venue to hold the many folks who have expressed an interest in attending. Perhaps a contribution to the cause would be appropriate :moneybag I wil...
by TF Hutch
Sun Dec 11, 2016 11:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31344

Re: South Florida Local Chapter

Please add me to the list to attend SFL Bogleheads meeting in January 2017. Attended 1st meeting, missed second, want to make sure I am signed up for this one. Will be driving down from Palm City, Martin County in my Tesla if anyone needs a ride! Miriam so glad to hear from you again after Boglehead...
by TF Hutch
Fri Sep 30, 2016 3:28 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 13812

Re: What kind of car do Bogleheads like to drive?

When I retired I bought a 2013 Honda Accord. Now I am a very enthusiastic Teslas Model S driver. :happy The Accord is now religated to storage. I used it this week to go to park at the airport while flying to Bogleheads Conference. It is such a "woof" (dog) compared to the Tesla. Thanks to...
by TF Hutch
Fri Sep 23, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 148
Views: 12232

Re: Should I lease a Tesla

When I first test drove the Model S in Febuary I had no intention of buying the car. I was impressed enough to buy $50,000 of Tesla stock, less than 2% of my total portfolio. In April I was fortunate enough to have a large Tesla short term capital gain. I used some of the capital gain to lease a Tes...
by TF Hutch
Sun Sep 18, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 150806

Re: Tesla S

How many Tesla owners will be at Bogelheads Conference this year? (2016) :happy My wife and I are planing leaving Treasure Coast (Martin County) Florida next Monday September 26, 2016 with our 2016 Tesla 90D Model S. Did a trip to New England earlier this summer, went well mostly. A few Boring Super...
by TF Hutch
Mon Aug 17, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: E-Loan CDs paying 2.45% any experiences?
Replies: 9
Views: 2080

Re: E-Loan CDs paying 2.45% any experiences?

You may want look into USAlliance 25 month 2.7% APY NACU Insured CD for new customers. $100000 max, $500 min per SSN.Be sure you check out "Terms and Conditions", EWP 12 mo interest, may be callable. This is a limited time offer.
Boglehead Kevin M has a blog post on this CD.
by TF Hutch
Fri Jul 17, 2015 10:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31344

Re: South Florida Local Chapter

Looking forward to So FL Bogleheads meeting. Very much looking forward to seeing my idol Taylor again.
by TF Hutch
Wed Jan 07, 2015 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4646

Re: TurboTax Premier now free (for some)

I was able to purchases Turbo Tax Premier for $0 last night from the link on Vanguard web site. I am a Flagship customer.
This price will be available until January 9, 2015.
by TF Hutch
Mon Sep 08, 2014 10:03 pm
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 4409

Re: Simplicity vs. Complexity

Now that I have retired my Mantra has changed to KISS; Keep It Simple Stupid!
by TF Hutch
Mon Sep 08, 2014 9:50 pm
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1425

Re: Land line for renter in S Florida

Basic Talk from Walmart cost me less than $13.00/ month with unlimited calling. Does require internet access, available from Comcast for less than $30/mo.

Living in Florida.
by TF Hutch
Mon Sep 08, 2014 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard National Trust Company?
Replies: 100
Views: 27771

Re: Vanguard National Trust Company?

As trustee of my fathers estate, and beneficiary of my grandfathers estate my experience with BNY/Mellon were not good. Excessive fees, little to no help from principals and being stonewalled by underlings was my experience.
by TF Hutch
Mon Sep 01, 2014 5:57 am
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 8844

Re: Why invest in bonds?

It would be helpful if responders to these threads would include their years to/in retirement, perhaps add as part of their signature. :happy

Retired 2011, age 69
Current Asset allocation: 55% stocks/45% Bonds, cash

I am concerned stock allocation is too high, fixed income returns are too low.
by TF Hutch
Wed Apr 23, 2014 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2183

Re: Bogleheads, About to retire, Pleases Help

Windhog, thank you.

SPIAs are on my list of considerations, need to see how they work in my estate plan. I have an appointment with my estate planing attorney next week.

It is absolutely incredible to me how much I don't know! Thank goodness for Bogleheads.
by TF Hutch
Wed Apr 23, 2014 4:18 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2183

Re: Bogleheads, About to retire, Pleases Help

Except for treasury issues , I am not a fan of individual bonds. I'd suggest re-thinking this. I suppose CDs are an option but IMO individual corporate or muni bonds are a lot of work to achieve decent diversification -- kind of goes against the simplification theme. I agree. I like Warren Buffet's...
by TF Hutch
Wed Apr 23, 2014 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2183

Re: Bogleheads, About to retire, Pleases Help

You need to figure out what the short-term and long-term gains would be if you sold the funds in your taxable account. Also, how it would effect your taxes (getting bumped up to a higher bracket and whatnot). Thank you kerplunk. Here are my TAXABLE gains & loses in my portfolio from the Vanguar...
by TF Hutch
Wed Apr 23, 2014 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2183

Re: Bogleheads, About to retire, Pleases Help

Re Social Security: I am afraid of Social Security (sscritic intimidates the hell out of me). My wife is ten years younger(58) than I and will not be eligible for four more years at the earliest. I think. I went to a seminar on social security last night that turned out to be a pitch for a really ba...
by TF Hutch
Mon Apr 21, 2014 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2183

Bogleheads, About to retire, Pleases Help

I am afraid things have gotten away from me and I need help making a course change with my portfolio. I have just completed the accumulation phase of my life. 1. Because of a recent windfall my Asset Allocation has gotten out of whack; I need to reassess how much risk to take. 2. It is now time to m...
by TF Hutch
Wed Apr 09, 2014 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 3841

Re: How to invest my "Emergency Fund"

Maximize the Roth IRA, contributions can be withdrawn without penalty in the event of an emergency. Gains may not be withdrawn without penalty however. Any additional Emergency Funds should be in FDIC Insured accounts paying the highest available interest, or US Treasurys.
by TF Hutch
Wed Feb 19, 2014 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mint Vs Ibank Vs Quicken for mac
Replies: 41
Views: 9509

Re: Mint Vs Ibank Vs Quicken for mac

I use Quicken 2007 for Mac on a Lion machine. Thinking about upgrading to "Maverick" Operating system. Will Quicken 2007 still work with Maverick?
I have Quicken Data back to 1994.
by TF Hutch
Tue Oct 08, 2013 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Best site for purchasing bonds
Replies: 9
Views: 1227

Re: Best site for purchasing bonds

Treasury Direct for purchasing individual US government bonds, bills or notes. No Commission if held to maturity, only commission is if you chose to sell before maturity.
by TF Hutch
Fri Mar 15, 2013 11:06 pm
Forum: Personal Consumer Issues
Topic: Need a good book on negotiating
Replies: 24
Views: 2358

Re: Need a good book on negotiating

Flea markets and yard sales are a wonderful place to practice negotiating strategies.
by TF Hutch
Fri Mar 15, 2013 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 7990

Re: Cash - do you keep a stash on hand?

Love flea markets and yard sales. I have equiped several homes with bargins found. I have bought cars, boats and even an airplane with cash. None of the deals would have been possible without cash on hand, and I made a profit on each of these transactions. Cash is Just another tool. It's amazing wha...
by TF Hutch
Sat Mar 02, 2013 12:32 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 24277

Re: BOGLEHEADS 12 ANNOUNCEMENT

email request sent.
Thank you.
by TF Hutch
Sat Mar 02, 2013 12:23 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 24277

Re: BOGLEHEADS 12 ANNOUNCEMENT

Where do I send the registration check?
by TF Hutch
Fri Feb 01, 2013 10:12 pm
Forum: Investing - Theory, News & General
Topic: Retirement Hearing Witnesses Share What Works
Replies: 15
Views: 2692

Re: Retirement Hearing Witnesses Share What Works

This web site educated me. As a younger man I blew through any money that came my way. Discovering the writings of Jack Bogle changed all that. Today I am retired with a portfolio that has taken off like an Atlas 5 rocket this past month. Scarry knowing it can fall to earth again just as quickly as ...
by TF Hutch
Sat Jan 12, 2013 1:02 pm
Forum: Personal Consumer Issues
Topic: Get a Scanner!
Replies: 69
Views: 8323

Re: Get a Scanner!

I am confused, I use a Mac with OSX 10.8 (Mountain Lion). Apparently it has built in OCR, can I use any scanner regardless of softwear included?
by TF Hutch
Sat Jan 12, 2013 10:55 am
Forum: Investing - Theory, News & General
Topic: "Oblivious Investor" reaches 10,000 subscribers
Replies: 22
Views: 3943

Re: "Oblivious Investor" reaches 10,000 subscribers

New subscriber here, thank you Mike.

I spent a lifetime saving for retirement and I have just retired, 12/31/2012. I am in awe of the challenges ahead. Sold the house and 2 vehicles in New England and moved to FL. Have only a vague idea of what to do next. Looking for help, thanks again Mike.
by TF Hutch
Mon Dec 31, 2012 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble with using Vanguard website
Replies: 14
Views: 1754

Re: Trouble with using Vanguard website

It is a Cash Edge problem. If you update tomorrow you probably have the correct amounts.
by TF Hutch
Fri Dec 07, 2012 8:33 am
Forum: Investing - Help with Personal Investments
Topic: About to retire, Portfolio help requested.
Replies: 2
Views: 482

Re: About to retire, Portfolio help requested.

Thank you sscritic, duplicate post deleted.
by TF Hutch
Fri Dec 07, 2012 5:26 am
Forum: Investing - Help with Personal Investments
Topic: About to retire, Portfolio help requested.
Replies: 2
Views: 482

About to retire, Portfolio help requested.

I sold my house and will be moving to FL (no state income tax) from MA and now my portfolio could use some help. As a result of the house sale my desired allocation has changed from a desired 40/59/1 stocks/bonds/cash to 18/26/56. 78% of portfolio is taxable. Could use suggestions on taxable bond al...
by TF Hutch
Fri Sep 21, 2012 6:48 am
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 3960

Re: What's your favorite online source for news?

Flipboard on the iPad.
by TF Hutch
Sun Aug 26, 2012 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5315

Re: % of your money in cash : bank deposit

I have 1 yr income in FDIC Bank Emergency Fund
by TF Hutch
Tue Aug 14, 2012 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1886

Re: Tax & math Question, sale of Primary residence

JDCPAEsq wrote:In calculating the tax, are you adding the gain on sale to your other income to determine the marginal tax caused by the sale?
John


No, just trying to determine Capital Gains tax on the house sale at this time.
by TF Hutch
Tue Aug 14, 2012 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1886

Re: Tax & math Question, sale of Primary residence

Thank you all, 20+% sounded to good to be true! :greedy

When I did the tax computation on Turbo Tax, it did not include any personal income. Only the home sale proceeds, does it matter? I think I will be taxed on capital gains, not increased personal income taxes (earned income), yes?
by TF Hutch
Tue Aug 14, 2012 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 939

Re: How should I allocate these additional funds?

OK guys, I know you eat this stuff for lunch. Just posted another thread on taxes and math re sale of primary residence. Perhaps you could chew on that for a minute while I try and comprehend what you all have replied here! Thank you all. Moderators; should I have posted both questions in the same t...
by TF Hutch
Tue Aug 14, 2012 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1886

Tax & math Question, sale of Primary residence

I am attempting to determine the after tax net and rate of return on the sale of a primary residence of 36.5 years. $1,100,000 Sales Price $ 45,000 Cost basis $ 81,479 Improvements $ 24,650 Depreciation taken since May 6, 1996 (Home office deduction) When I plug it into Turbo Tax it comes up with: $...
by TF Hutch
Tue Aug 14, 2012 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 939

Re: How should I allocate these additional funds?

Livesoft, I am oblivious to tax implications, it has always been my thought not to pay more than required. Is there a formula to determine the after tax Bond yield ?
by TF Hutch
Mon Aug 13, 2012 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 939

Re: How should I allocate these additional funds?

Thank you Dave. I have corrected the percentages, small changes. I am considering exchanging the MA Tax Exempt for the Vanguard Tax Free fund after moving to FL. Thank you for the WIKI info on tax implications, I am going to look that up. I appreciate the time you took to help me out. The question o...
by TF Hutch
Sun Aug 12, 2012 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 939

How should I allocate these additional funds?

I have a signed Purchase and Sales agreement to sell my primary residence for about the same amount as my current portfolio value. (six figures) I am retiring after the sale, I will be moving to a second home in FL which is paid off. I have no more tax advantaged space. What to do with MA Tax Exempt...
by TF Hutch
Thu Aug 09, 2012 1:16 am
Forum: Forum Issues and Administration
Topic: Thank You Bogleheads
Replies: 11
Views: 1947

Re: Thank You Bogleheads

I would really like to thank Jack Bogle, all the Bogelheads, moderators and Talor Larimore in particular. I am attempting to give back what I have learned on this Forum to other Bogleheads. It is comforting to know that if I screw it up others more knowlegible than I are quick to respond without ran...

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