Search found 941 matches

by bru
Mon Feb 08, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 32
Views: 4158

Re: Anyone have A/C fail on an older Honda CRV?

As you found in your search the 2nd generation CR-V (2002-2006) has a documented issue with its A/C. Many owners experienced the problem soon in to the vehicles life, others like you didn't have it happen until many years later. I'm pretty sure some people got Honda to pay for the repairs but at thi...
by bru
Sat Jan 30, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 950

Re: How to move stocks to brokerage account

bru- Several years ago I just decided to sell the miscellaneous stocks I'd been holding for decades. It was a very small portion of our portfolio and it was kind of a hassle to wait for 1099's etc. I had never been a good record keeper and had always reinvested dividends. I decided to just check th...
by bru
Fri Jan 29, 2016 9:08 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6074

Re: perfectly happy with cable

Warning, long post: With a recent rate increase we are paying $113 for the top TV package (>190 channels), 30Mbps internet and HBO (which contributes $19 to the cost). With that we get an HD DVR and an HD receiver for the second TV. I did get a one time $60 credit so that reduces the monthly cost to...
by bru
Sun Jan 24, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 950

Re: How to move stocks to brokerage account

SpringMan wrote:In the old days there were stock certificates. Do you have stock certificates?

As posted these are stocks purchased direct from the companies. No physical certificates. All held by the agent. Most are via Computershare and Wells Fargo.
by bru
Sun Jan 24, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 950

Re: How to move stocks to brokerage account

livesoft wrote:And by "custodian", I did not mean Vanguard.

I knew you meant the places where the stocks are held. I mentioned Vanguard since I hope they have some input on what to do.
by bru
Sat Jan 23, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 950

Re: How to move stocks to brokerage account

Contact the current custodian and request that they transfer the shares "in-kind" to any of your other brokerage accounts along with all the transaction information. This is a so-called ACAT transfer and is done all the time. That will be a lot of phone time but I guess thats what needs t...
by bru
Fri Jan 22, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 950

How to move stocks to brokerage account

I own several individual stocks through their direct purchase plans. Its a vestige of when I first started investing. In addition to putting money in to Vanguard I also bought individual stocks direct from many companies. For at least the past 15 years I've done nothing with them but have the divide...
by bru
Wed Jan 20, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: who is selling to day??
Replies: 34
Views: 3992

Re: who is selling to day??

Who is day? And what is he or she buying?
by bru
Wed Jan 13, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170046

Re: TV show recommendations?

Wow, thought I was the only one who was watching Mr. Robot . In a big surprise, Mr. Robot took the Golden Globe for Best TV Drama Series and cast member Christian Slater also won for Best Supporting Actor in a TV series. In a similar vein Mozart in the Jungle and its lead actor Gael Garcia Bernal w...
by bru
Sat Jan 09, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Cash-on-the-sidelines thread
Replies: 39
Views: 4512

Re: Cash-on-the-sidelines thread

I have a large cash position. Too large to be considered just an emergency fund but because of my situation (disabled wife, minimal income) it makes me feel better. After the rough start to the year I figured the market was on sale so I put $5K in to TSM on Thursday. As a percentage of my cash posit...
by bru
Sat Jan 09, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card $50 statement credit .... FYI
Replies: 15
Views: 1819

Re: Credit Card $50 statement credit .... FYI

The way most Bogleheads use their CCs, I'm surprised they don't offer us a bonus if we cancel and agree to never come back. For example, I have one CC where I've gotten 5% cash back on every purchase, have never paid interest, and have never paid an annual fee. I would find it hard to believe I'm n...
by bru
Fri Jan 08, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund returns don't make sense
Replies: 19
Views: 1761

Re: Bond fund returns don't make sense

I know share price went down. I posted the share price on two different dates. Yet Vanguard says both of those funds have a positive return of ~2% per year for that exact time frame. So I have to assume share price went up enough in the interim periods to provide the return listed. Then add in the y...
by bru
Fri Jan 08, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund returns don't make sense
Replies: 19
Views: 1761

Re: Bond fund returns don't make sense

Either that or if you're looking at your personal account performance then check all of the contribution dates and amounts. Just because a fund is up over a five-year period doesn't mean that all contributions made during that period would have positive returns to this point. This probably is the k...
by bru
Thu Jan 07, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170046

Re: TV show recommendations?

Recently binge watched S1:The Man in the High Castle. S2 premieres later this year. Currently about to finish S1: Mozart in the Jungle then on to S2. As I said too much good TV to watch it all or even catch up (i.e. binge) on. How can I fit in four seasons (10 or more episodes per season) of X show,...
by bru
Thu Jan 07, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund returns don't make sense
Replies: 19
Views: 1761

Re: Bond fund returns don't make sense

Perhaps your return calculations are not total return which include reinvested dividends? They are not my return calculations. The returns I quoted are from Vanguard's Price and Performance data for the funds. Avg. total return for the funds listed for the time frames listed. Bond fund returns are ...
by bru
Thu Dec 31, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund returns don't make sense
Replies: 19
Views: 1761

Bond fund returns don't make sense

I still have trouble understanding how bond funds work in terms of annual return. Short-Term Investment Grade (VFSTX) shows a five year annual return of 2.06% as of 11/30/15 with an SEC yield of 2.07%. Share Price of VFSTX on 11/30/2015 = $10.62 Share Price of VFSTX on 11/30/2010 = $10.83 Intermedia...
by bru
Mon Dec 28, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Illinois resident seeking 529 help
Replies: 30
Views: 2124

Re: Illinois resident seeking 529 help

I don't know what kind of ramifications this will have for the 529 plan (we already saw what happened to the prepaid tuition plan), but I don't want to find out. We use the Utah plan. . Your statement is vague and honestly makes it sound like people in the prepaid IL program have not received their...
by bru
Mon Dec 28, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170046

Re: TV show recommendations?

We cancelled our cable subscription about five years ago. Most of today's TV shows are mind numbingly idiotic. Critics, reviewers and frankly anyone with a cursory knowledge of television says this is the best era for television ever. Just read this thread. In addition to all the excellent suggesti...
by bru
Fri Dec 04, 2015 11:23 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31981

Re: OPM breach and credit freeze

I think that freezing credit and submitting a Form 14039 will provide far more protection than anything the OPM or a commercial service can offer. Just as a general FYI for those who are interested in availing themselves of this service...the IRS site that enables the online PIN request is down for...
by bru
Tue Dec 01, 2015 1:05 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31981

Re: OPM breach and credit freeze

Got my letter today. Wasn't sure it was legit as I had no idea I would be involved.

I'm confident the credit monitoring company will do nothing that I can't do so I doubt I'll sign up. I sure don't want to be a victim but maybe I'll be able to file a claim for 1 million.
by bru
Thu Nov 05, 2015 8:49 am
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

When you open a new account, the new bank will ask you for a source of funds (routing & account #). I've always provided another bank, not a mutual fund company, but there's no reason you shouldn't be able to specify the Vanguard account, I think . So this would be a pull FROM the new account, ...
by bru
Wed Nov 04, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

edit: I take it back. It didn't work. The bank did not get the ACH from Vanguard. Not happy.
by bru
Sat Oct 31, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

Question. Is Prime Money Market considered a Savings or Checking account? Regarding my initial question I can input the account/routing information from Vanguard PMM and the new bank knows it is from Wells Fargo. It asks what type of account it is. Not sure it would really matter but wondering what ...
by bru
Fri Oct 30, 2015 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

When you open a new account, the new bank will ask you for a source of funds (routing & account #). I've always provided another bank, not a mutual fund company, but there's no reason you shouldn't be able to specify the Vanguard account, I think . So this would be a pull FROM the new account, ...
by bru
Fri Oct 30, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

DSInvestor wrote:Do you have any checks for that Prime Money Market fund? If yes, mail them a MMF check to open the account. Once you have the routing and acct numbers for the new acct, add them to your Vanguard profile for future transfers.

I was hoping to avoid mailing a check but this would be the way to do it.
by bru
Fri Oct 30, 2015 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

Can I use my PMM to make an ACH transfer to open a [new] account at another financial institution? Others are answering if you can ACH transfer, which substitutes an easier question for the one you asked. I don't know if you can ACH transfer to create a new account. Yes that is my question. I do no...
by bru
Fri Oct 30, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

Re: ACH question

I have two bank accounts linked as well. You can have a dozen banks linked, but that isn't my concern. This would be a new bank account I want to open with funds from Vanguard. So I can give the new account the Vanguard ACH information but if the bank isn't listed as one of my established banks I do...
by bru
Fri Oct 30, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: ACH question
Replies: 15
Views: 1409

ACH question

I suppose I should know this but I don't and Vanguard is closed. Can I use my PMM to make an ACH transfer to open an account at another financial institution? I know I can transfer via ACH to and from a bank I already have established but this would be to a brand new account at a new bank. I hope I ...
by bru
Sat Aug 29, 2015 5:44 pm
Forum: Personal Consumer Issues
Topic: When a computer crash is worthy
Replies: 6
Views: 948

Re: When a computer crash is worthy

Forget about missing the market's gyrations, what about practically everything else that requires the internet? I know when ours goes down it seems as if almost everything stops. Sad, but true. Not sure how I would handle a day without internet, let alone a week.
by bru
Mon Aug 24, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1959

Re: Vanguard doesn't allow dividends to Prime MM?

To note, a Prime Money Market Settlement Fund does not require a balance at any time. You can set dividends to go there even if the balance is zero. A regular Prime Money Market fund that is not a Settlement Fund requires a $3,000 minimum to start and then a balance must be maintained for it to rec...
by bru
Sat Aug 22, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 9307

Re: How long will you"Stay the Course"?

The older folks here, the ones who have been through it all for 30, 35, or 40 years, and we have seen losses go as high as 40%-50%, When? In what timeframe and what indexes are you referring to? The NASDAQ dropped ~78% from 2000 to 2001. The Dow dropped ~37% in 1987. In 1929 the market dropped ~40%...
by bru
Fri Aug 21, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10617

Re: anyone treating this as an RBD (really bad day)

I don't know how they could let you buy after market closing at the closing price. Stocks continue to trade after hours so that would be a major arbitrage opportunity. I agree and as I was posting I knew it wouldn't make sense but I guess because I submitted the transaction before closing (by telli...
by bru
Fri Aug 21, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10617

Re: anyone treating this as an RBD (really bad day)

I did put some money in today. But when I did the transaction it brought up a question maybe someone here could answer. Normally I do my transactions online but today I ended up having to speak to a Flagship rep and he placed my transaction. He read the usual, "do you want to proceed", etc...
by bru
Thu Aug 20, 2015 9:50 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10617

Re: anyone treating this as an RBD (really bad day)

So after reading these posts it seems those who took advantage and bought on the dip (I would of as well but did not have computer access) don't view it as a RGB but a "buying opportunity". Semantics, I think. RGB = Relatively Good Buy :happy Yikes. That was quite the typo. But maybe I cr...
by bru
Thu Aug 20, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10617

Re: anyone treating this as an RBD (really bad day)

So after reading these posts it seems those who took advantage and bought on the dip (I would of as well but did not have computer access) don't view it as a RGB but a "buying opportunity". Semantics, I think.
by bru
Tue Aug 18, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 43998

Re: Free Windows 10 Upgrade, Yes or No?

I used the USB "run setup" method to do a non-clean install on four computers. Only my latest, a Acer laptop running 8.1, gave me any problems. That's interesting, because I had no problems with my Acer laptop running 8.1. :D (It's an Aspire M5-481PT with a touch screen.) Interesting to m...
by bru
Tue Aug 18, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 43998

Re: Free Windows 10 Upgrade, Yes or No?

Haven't read through all the posts yet but wondering if people are doing "non-clean" or "clean" installs? Maybe my terminology isn't correct but what I mean is if you use Windows Update and the GWX icon/reservation you are doing a "non-clean" install. If you are doing a...
by bru
Wed Jul 22, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 11719

Re: How do people afford children with a SAHM?

$85,000 would put you ahead of~75% of all other wage earners in the USA. If you cannot afford now, then when? Ahead of 80%? 90%? More? Point is, people of significantly less means successfully pro-create. You can too provided that is a priority and you are willing to sacrifice. Also, don't forget t...
by bru
Fri Jul 17, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 5431

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Less than everyone would lead you to believe you need. Think twice about every purchase. Unless you have space to store, have a friend or relative to give it to, have the initiative to get rid of it in a garage sale, etc. nearly everything you buy will serve its purpose for only a short time but wil...
by bru
Mon Jul 06, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1842

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

Anyway, bond funds aren't supposed to appreciate long term; the growth is from the interest payments, not capital gains. The average return figures quoted are for total return. Dividends pretty much cancel out the loss so after roughly 4 years of ownership I am even. I have to assume Vanguard is ca...
by bru
Mon Jul 06, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1842

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

I already own Inter-Term Bond Index in another account so I think I am going to use that in this other account. I should be more well versed in Bond funds but they confuse me. Looking at VBILX, I've owned it since 2011 but I have a capital loss. Yet it has a 2.23% and 4.57% avg return for 3 and 5 ye...
by bru
Tue Jun 30, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 7046

Re: Unknown phone calls

NOMOROBO type nomorobo into your web browser and sign up for the best way I have found to stop robo-calls. Note this does not work for all customers, so read the notes. I get few calls now, but they still show up some times. I do miss Rachel from card services :wink: Another vote for NOMOROBO. I fi...
by bru
Tue Jun 30, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1842

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

Need a bond fund in taxable to put in some cash that is sitting in MMF. Intermediate term seems right. I imagine either one will be suitable.
by bru
Mon Jun 29, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1842

Intermediate Term Bond Funds Index vs. Investment-Grade

Reading the current Kiplinger's and they talk about Investment-Grade bond funds and how they yield more than Treasuries of comparable maturity but carry only slightly more risk. I see no reason to go straight Treasury which does have a significantly lower yield so I am looking at VG Inter-Term Bond ...
by bru
Mon Jun 29, 2015 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 3600

Re: Discover card 2X cash back

This was posted on the deals sites at the end of May. I know many here spend time on those sites as well, if you don't you should. The problem with this offer, which I was able to obtain with a simple phone call in May, is that there is no documentation. Some people were promised email confirmation ...
by bru
Sun May 31, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 58
Views: 12168

Re: Question about Citi Double Cash Card

When I switched from Citi Dividend to Citi Double Cash my credit limit remained the same, $9800. For my Chase Freedom my limit is $12100 and for Discover IT, $9000, so not really out of line. I never really think much about credit limits on any of my cards as I don't get anywhere near it but being t...
by bru
Tue May 19, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 2037

Re: Malwarebytes Anti-Exploit

People are commenting about Malwarebytes Anti-Malware when the question was about Malwarebytes Anti-Exploit. Two different programs. Anti-Exploit is specifically for browsers. Popular software programs contain millions of lines of code. Bad guys exploit flaws (vulnerabilities) in the code to deliver...
by bru
Fri Apr 17, 2015 11:10 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 14869

Re: John Bogle's Don't Peek Challenge

I can go days without looking at my accounts. Usually on the down days I don't bother looking. A day or two or three later when there is an up day I will check in. I have to think Mr. Bogle was being tongue-in-cheek when he said not to look until retirement.
by bru
Fri Apr 10, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5830

Re: making the switch to Ally Bank

First open an account at Ally and after that has been done you go to Vanguard and click on "banking instructions/information" which should be in the lower right of the page and that is where you add your link to your new Ally Bank account. In the upper right hand corner of that page there...
by bru
Thu Apr 09, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5830

Re: making the switch to Ally Bank

Twice i have asked a fairly simple/basic question related to opening an Ally account but no one has answered it. I thought it might be something others would be interested in knowing too.

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