Search found 332 matches

by Youngblood
Fri Feb 24, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 165
Views: 12427

Re: Quicken's future direction - a cause for concern

Okay, I get it, people would rather pay less than more and have choices. I do too and often shop for discounts. But, let's face it, Intuit couldn't make enough money off Quicken to justify keeping it for either profit or brand recognition. So, not sure you can call this new approach a means of gougi...
by Youngblood
Fri Feb 24, 2017 4:54 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4806

Re: Desktop Computer - Still relevant? Good investment?

Desktop is my first choice. I wouldn't give up my Surface Pro 4 either as a full back up computer. At current prices, most everyone can afford both desktop and laptop unless they just don't want too.

YB
by Youngblood
Wed Feb 22, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 4490

Re: Does anyone else have (possibly too much) fun dealing with finances?

I enjoy it, but I am on auto-drive and enjoy watching, especially the days that Social Security and my pension hit the bank. :D . I use excel and update when shares reinvest or pay to my bank and it's all pretty easy as the sheets update from a Morningstar export. Me too! Work from the past paying ...
by Youngblood
Tue Feb 21, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10376

Re: Who would quit playing if they already won?

Let me sound the voice of dissent, it's not entirely clear to me that living on a 2% withdrawal rate means you can blithely maintain a high equity allocation. for example, if you were 100% in equities and the market moved down 50%, your withdrawal rate would move to 4%, which may be too high. My ap...
by Youngblood
Tue Feb 21, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 58
Views: 6264

Re: What are the big things to get right?

1. Marry someone who thinks about money in a way similar to yourself. 2. Make all major financial decisions together. 3. Save and spend money together. When chemistry and love enter the picture, and you're young, do you really think a person is going to make a decision based on determining whether ...
by Youngblood
Tue Feb 21, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5139

Re: Do you replace your electrical switches/outlets or use an electrician?

Yes, do it yourself, very easy. Do turn the electricity off and check it before you remove anything. One way switch or two way switch very easy if you have the right switches. Ask at HD or Lowes for the parts. With the saved money you can buy top quality switches and still save money.

YB
by Youngblood
Tue Feb 21, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4806

Re: Desktop Computer - Still relevant? Good investment?

Desktops last longer than laptops, but they end up using a TON more electricity. Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! Empirically, this certainly isn't the case with my four year old pc desktop. It can sleep or hibernate ...
by Youngblood
Tue Feb 21, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 58
Views: 6264

Re: What are the big things to get right?

Unfortunately though, you can do everything right or mostly right but you also have to admit that at least luck plays a part in all forms of success.

YB
by Youngblood
Tue Feb 21, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 58
Views: 6264

Re: What are the big things to get right?

1. Marry someone who thinks about money in a way similar to yourself. 2. Make all major financial decisions together. 3. Save and spend money together. When chemistry and love enter the picture, and you're young, do you really think a person is going to make a decision based on determining whether ...
by Youngblood
Sat Feb 18, 2017 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4600

Re: Really Vanguard? 48 Cents?!

AllenSmith wrote:i cant believe i read this thread. its 48cents, who cares?


Herein lies the truth.
by Youngblood
Fri Feb 17, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 30
Views: 2458

Re: PC replacement time

Purchased a HP Pavilion desktop with 27" monitor for $800 at Costco a little over four years ago. Currently running Window 10 and love it. Like you, although I have a Surface Pro 4, I prefer the desktop with the large screen. Since it was just over four years old and as another poster mentioned...
by Youngblood
Fri Feb 17, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3114

Re: Vanguard Service problems in the news

whodidntante wrote:I want to thank vanguard for not spending money on customer service. I need those ERs low.


But if VG doesn't ante they won't be able to play the customer service game. :happy
by Youngblood
Fri Feb 17, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3114

Re: Vanguard Service problems in the news

Hopefully this sort of article will help to prod Vanguard toward improvement. And Vanguard's fiercely loyal investors have proven to be one of their most effective markting tools, spreading the word about the advantages of low-cost, buy-and-hold investing. The Bogleheads board is filled with effusi...
by Youngblood
Fri Feb 17, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3114

Re: Vanguard Service problems in the news

Thanks for posting. Just a few days ago, I received an email from VG asking me to fill out a survey. I clicked the link and did. Perhaps another sign that Vanguard is at least planning to fix the problems customers are complaining about. While I used to be impressed with access to and responses from...
by Youngblood
Sun Feb 05, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 165
Views: 12427

Re: Quicken's future direction - a cause for concern

I enjoy Quicken 2017 very much. If only given the choice of a forced subscription and no manual entry if I don't comply I would quit. In that case, I don't believe Quicken would survive anyway.

This hasn't happened yet so I will just enjoy using Quicken until it does.

YB
by Youngblood
Thu Jan 26, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: PPT - why sharp rise this week ?
Replies: 5
Views: 408

Re: PPT - why sharp rise this week ?

Gundlach recommended it in Barron's.

YB
by Youngblood
Tue Jan 24, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Do your own taxes?
Replies: 27
Views: 2056

Re: Do you own taxes?

Great advice to follow above. It seems many of us (myself included) started off doing taxes manually before computers or software was available. Then felt we might be missing some deduction and might be paying more than we legally had to. I also tried the professional tax route for one year and regr...
by Youngblood
Thu Jan 19, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8842

Re: Vanguard's new "account overview" page... BOO!

livesoft wrote:Ugh! Something for me to look forward to, I guess.


Did you solve the screen resolution problem?
by Youngblood
Tue Jan 17, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9847

Re: How much do you typically spend in a restaurant?

Are you folks who are saying you have meal sized leftovers having appetizers and a few high calorie drinks first or just ordering a regular meal? If it's just a meal, please be so kind to list a few of these restaurants. That would be a new experience for us . :D No appetizers, no drinks, but at ou...
by Youngblood
Tue Jan 17, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9847

Re: How much do you typically spend in a restaurant?

So okay, I'm wishing to copy those posting that they usually can't finish their restaurant meals and end up making it last for two meals. That would be similar to the BOGO method of getting a bigger bang for a buck. Plus, how wonderful for my wife to get a two day break from cooking and cleaning the...
by Youngblood
Sun Jan 15, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9847

Re: How much do you typically spend in a restaurant?

Carry out, lunch, or BOGO pizza so the both of us usually under $20. Wife never drinks alcohol and only once in a great while a beer for me. Hardly ever drink anything but water even if it's free at a buffet. In the past, we have tried more expensive restaurants but have always ended up wondering wh...
by Youngblood
Sat Jan 07, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Settlement" fund help.
Replies: 33
Views: 2627

Re: "Settlement" fund help.

I am confused: is it the Vanguard balance that keeps growing or the balance that Quicken shows for this Vanguard fund? The "settlement" fund total grows but then Vanguard subtracts what I bought. It looks something like this; it started with 10,000, then I buy a fund for 5,000 and it will...
by Youngblood
Thu Jan 05, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 19133

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

I've always used Pascal's wager as a guide that by giving up small unimportant things I might avoid huge consequences regardless of their probability.

In regards to finances, whether accumulating or dispersing the analogy makes total sense to me.
by Youngblood
Thu Jan 05, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 10721

Re: Alternatives to Quicken 2016?

Also, I have not been very successful in creating an accurate income/expense report. Many of the transfers between institutions end up being classified as either expense or income depending on the direction of the transfer. I do know how to customize the report but it seems rather labor intensive a...
by Youngblood
Thu Jan 05, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 10721

Re: Alternatives to Quicken 2016?

Also, I have not been very successful in creating an accurate income/expense report. Many of the transfers between institutions end up being classified as either expense or income depending on the direction of the transfer. I do know how to customize the report but it seems rather labor intensive a...
by Youngblood
Wed Jan 04, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 10721

Re: Alternatives to Quicken 2016?

I have used Quicken ever since Microsoft Money sunset. When Quicken 2017 came out I upgraded so for me I didn't see a better alternative. Quicken does many things that I purchased it for. Ever since I upgraded our Vanguard accounts last year, however, the new Federal MM settlement account seems to s...
by Youngblood
Wed Jan 04, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: "Settlement" fund help.
Replies: 33
Views: 2627

Re: "Settlement" fund help.

I just recently purchased an ETF which required me to sell prime mm for the settlement fund in order to pay for the ETF. I did like it much better when the mm fund was the settlement fund. I don't understand what you mean. The money market fund is, and has always been, the settlement fund in Vangua...
by Youngblood
Wed Jan 04, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: "Settlement" fund help.
Replies: 33
Views: 2627

Re: "Settlement" fund help.

I am confused: is it the Vanguard balance that keeps growing or the balance that Quicken shows for this Vanguard fund? The "settlement" fund total grows but then Vanguard subtracts what I bought. It looks something like this; it started with 10,000, then I buy a fund for 5,000 and it will...
by Youngblood
Mon Jan 02, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees' Roth Conversion Conundrum
Replies: 24
Views: 2162

Re: Retirees' Roth Conversion Conundrum

... As I recall, many years ago, one of the selling points of funding a 403b plan and also a deductible IRA was that you would avoid paying higher taxes during your working years and during retirement when your income was less you would benefit from that as well as tax deferral. Well, having had th...
by Youngblood
Mon Jan 02, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees' Roth Conversion Conundrum
Replies: 24
Views: 2162

Re: Retirees' Roth Conversion Conundrum

It is indeed a conundrum. As I recall, many years ago, one of the selling points of funding a 403b plan and also a deductible IRA was that you would avoid paying higher taxes during your working years and during retirement when your income was less you would benefit from that as well as tax deferral...
by Youngblood
Fri Dec 30, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Mistakes and near-misses
Replies: 8
Views: 1406

Re: Mistakes and near-misses

(B) 2) Just this week I was estimating taxes for next year and realized I'll owe some state income taxes and next year my income will decline. If I make a 2016 tax year payment in 2017 it will count against next year's federal schedule A and my marginal rate will drop so I just made the payment thi...
by Youngblood
Thu Dec 29, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 1800

Re: Decent quality reading glasses

For me I love the $1 pairs at the a Dollar Store....wide variety, smart looking, sturdy for the price. Exactly where my wife gets hers. They look great, work great and neither of us is concerned when she loses a pair or ten. Prescription for eye strain. Another vote for Costco 3-packs! Well, we are...
by Youngblood
Thu Dec 29, 2016 5:20 am
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 1800

Re: Decent quality reading glasses

For me I love the $1 pairs at the a Dollar Store....wide variety, smart looking, sturdy for the price. Exactly where my wife gets hers. They look great, work great and neither of us is concerned when she loses a pair or ten. Prescription for eye strain. Another vote for Costco 3-packs! Well, we are...
by Youngblood
Tue Dec 27, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 1800

Re: Decent quality reading glasses

EternalOptimist wrote:For me I love the $1 pairs at the a Dollar Store....wide variety, smart looking, sturdy for the price.


Exactly where my wife gets hers. They look great, work great and neither of us is concerned when she loses a pair or ten.
by Youngblood
Wed Dec 07, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax deluxe
Replies: 10
Views: 1145

Re: Turbotax deluxe

No capital gains. All CD/download versions of TurboTax will do all personal tax returns (even Basic). The more advanced the version, the more hand holding and guidance. I think $35 for Deluxe (through Fido; even non-Fido customers, not sure if state is included) is reasonable. :sharebeer Bottom lin...
by Youngblood
Wed Dec 07, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15524

Re: Retiring in a Decade after Graduation

So, you just started working and you already know you don't want to work for more than ten years? You must have a reason for thinking this way. Perhaps, if you feel comfortable doing so, you would explain your thinking. Honestly, work is a pretty important portion of a person's life especially at y...
by Youngblood
Wed Dec 07, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15524

Re: Retiring in a Decade after Graduation

So, you just started working and you already know you don't want to work for more than ten years? You must have a reason for thinking this way. Perhaps, if you feel comfortable doing so, you would explain your thinking. Honestly, work is a pretty important portion of a person's life especially at yo...
by Youngblood
Tue Nov 22, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8506

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

Yes I do. Very early in my career and still do. I have only very briefly used a budget and found that for me knowing our net worth each year also told me whether or not we were saving enough, earning enough or spending too much. Net worth is after all, the bottom line. If it's not increasing, you sh...
by Youngblood
Tue Nov 22, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23599

Re: Retreat to cash

There is the theory of efficient markets but there is also behavioral finance.

Sometimes (perhaps most of the time) humans are led by emotions.

When that happens in the financial world assets can be mispriced.

YB
by Youngblood
Sun Nov 20, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 9767

Re: Is Quicken Worth it?

For me it's definitely worth it. Like a previous poster, I usually update more than needed due to the sunset provision in order to support the product. I've used both Quicken premier and Deluxe but am presently using Quicken Deluxe 2017 and love it. Daily updates of all accounts to keep an eye on cr...
by Youngblood
Wed Nov 16, 2016 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Take SS at 62 or wait ?
Replies: 74
Views: 8034

Re: Take SS at 62 or wait ?

If everyone waited until 70 to begin taking their SS benefits, will Social Security be in better or worse financial shape that it supposedly is? If 78 is truly the "number" then they will just remain the same. I took mine at 62 for all the philosophical reasons mentioned by previous poster...
by Youngblood
Wed Nov 02, 2016 9:44 am
Forum: Local Chapters and Bogleheads Community
Topic: New Chattanooga, TN Local Chapter
Replies: 20
Views: 5331

Re: New Chattanooga, TN Local Chapter

I've am currently going through some health concerns and will be going to Mayo Clinic at the end of this month.

So, is there anyone else out there who wants to keep this attempt going?


YB
by Youngblood
Wed Oct 26, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 3927

Re: Chocolate Recommendations

I prefer cocoa beans to processed chocolate, actually. They're great ground and brewed like coffee - more intense chocolate flavor than hot chocolate, IMO - and I even add a bit of cream. yummy. I think the reason I like it so much is because I love the flavor of chocolate but with cocoa beans I ca...
by Youngblood
Fri Oct 21, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Staying The Course in HNW Mode? How much cash? [High Net Worth]
Replies: 29
Views: 4292

Re: Staying The Course in HNW Mode? How much cash? [High Net Worth]

Both, I suppose. When we had $10K cash that was our approximate net worth, plus a car (old) or two. We are thoroughly content and quite grateful, and we're glad we're prepared for retirement. We didn't want/lack anything then, and we don't now. We gave as we could then, and we give now. It's a plea...
by Youngblood
Fri Oct 21, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Staying The Course in HNW Mode? How much cash? [High Net Worth]
Replies: 29
Views: 4292

Re: Staying The Course in HNW Mode? How much cash? [High Net Worth]

Hi LeeinTN,

If I were you, I would be asking myself: Why are we still living as if we had only $10,000?

Are you meaning when you held 10K in cash or total net worth?

YB
by Youngblood
Thu Oct 20, 2016 4:49 am
Forum: Local Chapters and Bogleheads Community
Topic: New Chattanooga, TN Local Chapter
Replies: 20
Views: 5331

Re: New Chattanooga, TN Local Chapter

I will post here but, at this point in time we only have three or so interested.

Perhaps we could all just meet for coffee and discuss how to proceed.

YB
by Youngblood
Wed Oct 19, 2016 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 Windows is also available
Replies: 8
Views: 1428

Re: Quicken 2017 Windows is also available

I'd almost upgrade if it now allows Alt-Tab switching between the Quicken window and other windows.... Well, I purchased Quicken 2017 Deluxe for $20 off even though I have Quicken 2015 Premier. Installation went perfectly. No data lost. I love the new color options. Yes, Alt-Tab switching between Q...
by Youngblood
Thu Oct 13, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 Windows is also available
Replies: 8
Views: 1428

Quicken 2017 Windows is also available

I've been looking forward to this release and looking forward to the early purchasers opinions.

Hoping for the best.

YB
by Youngblood
Thu Oct 13, 2016 12:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Chattanooga, TN Local Chapter
Replies: 20
Views: 5331

Re: New Chattanooga, TN Local Chapter

We have three members now.

Any other Chattanoogans?

:)

YB
by Youngblood
Wed Oct 12, 2016 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Chattanooga, TN Local Chapter
Replies: 20
Views: 5331

Re: New Chattanooga, TN Local Chapter

Thanks Mel.

Anyone in Chattanooga or nearby still interested in joining now?

Then, please send an email to: ChattanoogaBogleheads@outlook.com

Hoping to meet some of you.


YB

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