Search found 505 matches

by Van
Tue Feb 09, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 44
Views: 3164

Re: White Kitchen Cabinets?

We have had white cabinets for 23 years..............they still look like new. No problems.
by Van
Mon Feb 08, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: are you buying or selling or staying the course
Replies: 22
Views: 1407

Re: are you buying or selling or staying the course

Staying the course, but it is getting harder and harder to stick with my international stock fund. I'm having no problem sticking with my US stock fund.
by Van
Mon Feb 08, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1588

Re: upgrade OS on older MAC?

I also own a late 2009 macbook aluminum body. Until last week I was also running 10.6.8, but was recently convinced by a coworker to upgrade. I have found slight performance increase since the upgrade. My coworker had the same experience but achieved a significant performance increase by doing a cl...
by Van
Sat Feb 06, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1588

Re: upgrade OS on older MAC?

My 2011 era MBP is faster in El Capitan, if anything. Also, older OSes don't get security updates - 10.6.8 is swiss cheese, and shouldn't be allowed anywhere near the internet (doubly so if you do anything financial online) If you are still running with a spinning disk, add a cheap SSD to your upgr...
by Van
Wed Feb 03, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6426

Re: What age did you retire

51. No regrets. Biggest disappointment: my golf game did not improve nearly as much as I thought it would!
by Van
Tue Feb 02, 2016 7:38 pm
Forum: Forum Issues and Administration
Topic: Ban Symbols [Ticker symbols in topic title]
Replies: 16
Views: 999

Ban Symbols [Ticker symbols in topic title]

Just a suggestion: ban the use of 5 letter symbols in the Subject. If I just see the letters and not the name, I move on to the next subject line.

What possesses a contributor to think that all the members of the forum have memorized the symbols for all of the Vanguard funds???
by Van
Tue Feb 02, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley vs Indexing
Replies: 10
Views: 1888

Re: Wellesley vs Indexing

I am absolutely committed to indexing, BUT I have 10% of my portfolio in Wellesley. Once you own it, it is really hard to let it go.
by Van
Mon Feb 01, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4063

Re: Charles Ellis' suggested portfolios by age

Too stock heavy for my taste. 50% in stocks at age 80!!!!!
by Van
Mon Feb 01, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4063

Re: Charles Ellis' suggested portfolios by age

joebh wrote:It would be foolish to use age as the sole variable when deciding your portfolio.


+1
by Van
Tue Jan 26, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 75
Views: 4077

Re: File taxes via mail or electronically

Filing electronically via a provider such as TurboTax means that TurboTax gets to keep a copy of your return on their server for as long as they like. If I could e-file directly with the various governments, I would. But I WILL NOT give my tax information to a 3rd party. I guess I'm naive or uninfo...
by Van
Sat Jan 23, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5040

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I have used TurboTax for many years, but I got tired of their "crap" and decided I would go with H&R Block for the 2015 return. I had no trouble importing data from my 2014 return into H&R Block. So, I was off to a good start. However, I wanted to jump around from topic to topic, a...
by Van
Fri Jan 22, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 82
Views: 4878

Re: Do you use the service of a CPA or you do your tax yourself?

IMHO there is no need for a tax preparer unless you have some really complex issues to deal with, e.g. you have sold a property on an installment plan in California and you live in a different state and so on. Otherwise, use TurboTax or something similar and save yourself some $.
by Van
Sat Jan 16, 2016 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2136

Re: Ignore the noise

I tend to agree with William Bernstein. He says that once you have won the game, why continue to play it? I am 8% stocks and feel fine. Then why do you have 8% stocks instead of 0%? I have also "won the game", but I have 20% in stock funds. I guess it is for the little rush I get when sto...
by Van
Fri Jan 15, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2136

Re: Ignore the noise

I'm ignoring the drop. My plan is to rebalance at the beginning of each new calendar year, rather than using the % change in AA approach. To rebalance at the beginning of this year, I moved $ into stocks. So, I'm down more than if I had not rebalanced. So my questions (mainly to myself) are: 1. Can ...
by Van
Mon Jan 11, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Jane B. Quinn- New retirement guide- SS suspension
Replies: 10
Views: 1997

Re: Jane B. Quinn- New retirement guide- SS suspension

The clerks at SS are more often wrong than right.

Go to the SS web site (and check other sources by using Google) to find the information you need before going to your meeting. Take copies of the pertinent info with you.
by Van
Thu Jan 07, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: umbrella insurance - why so expensive?
Replies: 34
Views: 2410

Re: umbrella insurance - why so expensive?

About $550/yr for $5 million through StateFarm. However, there is underlying (right word?) coverage with my home and auto that is with StateFarm.
by Van
Wed Jan 06, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Help me loosen the purse strings: need an intervention
Replies: 36
Views: 3475

Re: Help me loosen the purse strings: need an intervention

I am financially very secure, but I have trouble spending money on me, my wife and our home. However, I give away substantial sums to my children without much hesitation. IS THIS SOME SORT OF MENTAL DISORDER???
by Van
Tue Jan 05, 2016 6:21 am
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4407

Re: At what age did you stop reinvesting dividends?

I just stopped today.......at age 74, but it had nothing to do with age. I decided to have all dividends and capital gains from all my mutual funds deposited in my money market account instead of reinvesting in the particular funds. This will provide the money needed to rebalance at the beginning o...
by Van
Mon Jan 04, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4407

Re: At what age did you stop reinvesting dividends?

Toons wrote:Current Age 65
Started to take some dividends and cap gains about 3 years ago after 35 years of reinvesting.
Still reinvesting in IRAs and a few funds in taxable. :happy


Does one have a choice about whether to reinvest or not in mutual funds held in an IRA?
by Van
Mon Jan 04, 2016 3:12 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4407

Re: At what age did you stop reinvesting dividends?

I just stopped today.......at age 74, but it had nothing to do with age. I decided to have all dividends and capital gains from all my mutual funds deposited in my money market account instead of reinvesting in the particular funds. This will provide the money needed to rebalance at the beginning of...
by Van
Tue Dec 29, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Premier 2015 (PC Download) 39% Off
Replies: 39
Views: 4039

Re: Turbo Tax Premier 2015 (PC Download) 39% Off

soupcxan wrote:I can't believe people are rushing back into Intuit's arms after the stunt they pulled last year with Deluxe. There are plenty of better options. Fool me once, shame on me...I won't get fooled again Intuit!


+1
by Van
Tue Dec 29, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Puerto Rico Muni Default on Jan. 4
Replies: 7
Views: 632

Re: Puerto Rico Muni Default on Jan. 4

It's really not difficult to go through Vanguard's Municipal Fund holdings to see what each owns for Puerto Rico, because each fund has listings by state (or equivalent in this case). All you have to do is download the most recent annual or semi-annual report. Knowing how to do this would be a good...
by Van
Tue Dec 29, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Puerto Rico Muni Default on Jan. 4
Replies: 7
Views: 632

Puerto Rico Muni Default on Jan. 4

According to CNN Money, Puerto Rico will probably default on municipal bond payments due on January 4. Two questions: (1) I own Vanguard's intermediate-term and high-yield muni funds. Is there some way to determine how many, if any, bonds from Puerto Rico are held by these funds, without going throu...
by Van
Mon Dec 28, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275878

Re: What Movie Have You Recently Watched?

Creed.

Good but not great. Maybe 3 out of 4 stars.
by Van
Sun Dec 27, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Negotiate Salary Now?
Replies: 39
Views: 3132

Re: Should I Negotiate Salary Now?

Play Jesse James only when you have a firm offer from another company in your back pocket.
by Van
Sat Dec 26, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 8066

Re: Writing checks - a Bogleheads thing to do?

I only write checks when (1) there is no other option or (2) I want to copy the check for my tax records before sending it off.
by Van
Thu Dec 24, 2015 4:17 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Bogle's bond portfolio advice?
Replies: 40
Views: 3937

Re: Thoughts on Bogle's bond portfolio advice?

Or, to keep investing simple, one could invest in Vanguard's Intermediate-Term Bond Index Fund, which is approximately a 50/50 split between Treasuries and Corporates. I would think this an even better idea. That is the conclusion I reached about a year ago. I moved all of my taxable bond money int...
by Van
Thu Dec 10, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 6513

Re: BMW current and past owners -- how was the reliability and would you buy another?

My step-dad has an 04 BMW 330i with 200k miles. His experience has been that it's reliable, but general maintenance is quite expensive. He "has a guy" though that fixes it for less than half of dealer prices, otherwise he'd get rid of it at this point. I think having somebody who you can ...
by Van
Sun Dec 06, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30988

Re: Vanguard TurboTax - Not Available 2015?

FreeTaxUSA - http://www.freetaxusa.com/ Fed rtn cost = 0, State (if want) = 12.95. Includes Sched D and all efiling/printing Have you used it and if so, how was it? According to a review I just read, FreeTaxUSA has very limited import capabilities. It will not allow you to import a pdf of last year...
by Van
Sun Dec 06, 2015 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30988

Re: Vanguard TurboTax - Not Available 2015?

FreeTaxUSA - http://www.freetaxusa.com/ Fed rtn cost = 0, State (if want) = 12.95. Includes Sched D and all efiling/printing Have you used it and if so, how was it? According to a review I just read, FreeTaxUSA has very limited import capabilities. It will not allow you to import a pdf of last year...
by Van
Fri Dec 04, 2015 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30988

Re: Vanguard TurboTax - Not Available 2015?

After a couple of emails with TaxAct, I'm left with the impression that it is not MAC friendly. I have a MAC, and I am specifically concerned about importing the pdf with last year's return that was done on TurboTax.
by Van
Tue Dec 01, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30988

Re: Vanguard TurboTax - Not Available 2015?

Yep, I got an email from Vanguard a few minutes ago indicated NO discounted or complimentary TurboTax for the 2015 tax year.

Bummer.
by Van
Mon Nov 30, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275878

Re: What Movie Have You Recently Watched?

Spotlight. Very good. Will appeal to all secular logical thinkers.
by Van
Thu Nov 19, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 7834

Re: What is the point of a Flagship Representative?

This is an interesting thread. My take away is that the best way to contact the Vanguard representative (Flagship or otherwise) is to send an email in advance requesting a call back. That way you will more likely get "your" representative and whoever calls you may be better prepared to ad...
by Van
Thu Nov 12, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: how to gift money to married son so that it is his if marriage ends
Replies: 44
Views: 7006

Re: how to gift money to married son so that it is his if marriage ends

How big of a financial sacrifice would the money be for the down payment? If the amount is relatively small in comparison to your total worth, then just go ahead and do it knowing that half the money may end up in her pocket. If it is a significant amount, you may want to rethink the whole idea.
by Van
Fri Nov 06, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 8794

Re: Whisky Recommendations

Jack Daniels or, if you want something a little smoother, Gentleman Jack.
by Van
Sun Oct 25, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: A reason to hold international equities
Replies: 3
Views: 904

Re: A reason to hold international equities

You make an interesting argument, but it seems like lots of folks on this site do not want to look to equities for income.
by Van
Thu Oct 22, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: Washer died. Seeking recommendations for a top loader.
Replies: 65
Views: 4121

Re: Washer died. Seeking recommendations for a top loader.

I've had good luck so far (4 years) with LG.
by Van
Sat Oct 10, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275878

Re: What Movie Have You Recently Watched?

Black Mass, the story about the life of James "Whitey" Bolger. It was surprisingly good, and Johnny Depp, as Bolger, does an amazing acting job.
by Van
Thu Oct 08, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Joint Finances as a newlywed couple?
Replies: 29
Views: 2193

Re: Joint Finances as a newlywed couple?

I would suggest that nearly 100% of people getting married do so thinking that it will last, but the statistics reveal about a 50% divorce rate (I think that is correct, and I'm sure to be corrected if it is not).

GET A PRENUP.
by Van
Wed Oct 07, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Tub/Shower combo or Shower only in bath remodel
Replies: 20
Views: 1627

Re: Tub/Shower combo or Shower only in bath remodel

We just remodeled all of our bathrooms in a 23 year old home. I recommend opting for the shower only. You do need to have one tub in your home for, if nothing else, resale appeal. Young families with young kids need a tub.
by Van
Fri Oct 02, 2015 7:02 pm
Forum: Investing - Theory, News & General
Topic: Just how "Safe" are investment-grade muni bonds? [VWIUX]
Replies: 18
Views: 1732

Re: Just how "Safe" are investment-grade muni bonds? [VWIUX]

I do not know the answer to your question, but, for what it's worth, I have 80% of my portofolio in bonds with half of that in municipals, one-quarter in treasuries and one-quarter in corporates.

I do not have any sleep-related problems attributable to holding lots of munis.
by Van
Wed Sep 30, 2015 4:12 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 161
Views: 17064

Re: TIPS - Did you give up?

Yes, I did. TIPs were attractive to me in theory, but I only lost money. So, after a couple of years in 2 Vanguard funds, I pulled the plug. If TBM loses money for 2 years are you going to give up on bonds entirely? Two years is an awfully short period upon which to make such a judgement. I'm not t...
by Van
Wed Sep 30, 2015 3:41 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 161
Views: 17064

Re: TIPS - Did you give up?

Yes, I did.

TIPs were attractive to me in theory, but I only lost money. So, after a couple of years in 2 Vanguard funds, I pulled the plug.
by Van
Mon Jul 27, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Best Pellet Smoker for the money? Rec Tec?
Replies: 2
Views: 572

Best Pellet Smoker for the money? Rec Tec?

I'm thinking about buying a pellet smoker/grill to replace my worn out propane grill. I have several questions: 1. My admittedly limited investigation has led me to Rec Tec. Have any of you out there had a good/bad experience with this brand? 2. Is there some other brand that you really like for $15...
by Van
Mon Jul 27, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275878

Re: What Movie Have You Recently Watched?

Love & Mercy. The story of Brian Wilson, the genius behind the Beachboys group.

Very good. I recommend it.
by Van
Fri Jun 19, 2015 5:41 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 7594

Re: I'm Giving Up Golf

I'm 73 and have been concerned for sometime that I will have to give up golf in the near future. I will probably quit when the joint and muscle pain exceeds the benefits of exercise and camaraderie that I derive from the game, rather than because of the unavoidable steady decline in skill level that...
by Van
Mon Jun 15, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5981

Re: Where do you keep your to do list?

I do not have a "to do" list, but there is a "honey do" list kept with flawless perfection in my wife's head. :mrgreen:
by Van
Fri Jun 12, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1355
Views: 280392

Re: What Book Are You Currently Reading? Part VI

BOYS IN THE BOAT

I just finished it. Very, very good read in my opinion.
by Van
Fri May 15, 2015 3:04 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 9639

Re: Best Asset Allocation if you've "won the game"

It depends on how much you have won by. If you are just a bit above the winning point, that is one thing, and, if you are way, way above the amount you can conceivably think you will ever need, that is another. For the former, maybe 50/50 or 40/60 makes sense, but, for the later, 10/90 or 20/80 coul...

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