Search found 1428 matches

by catdude
Thu Feb 22, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 19
Views: 897

Re: Why open a taxable account?

Generally you can't withdraw funds without penalties from 401k's and IRA's before age 59.5. If there's any chance you'll want to retire at say, age 55, a taxable account will come in really handy.
by catdude
Wed Feb 21, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 124
Views: 5606

Re: What UN-frugal thing do you do?

I spend a lot of money on my four senior cats (of course).
by catdude
Sat Feb 17, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10652

Re: What has been your most important skill in achieving financial independence?

Being the kind of person who doesn't need all that much to be happy.
by catdude
Thu Feb 15, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1875

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

What % bonds do you now have? If a lower %, I definitely wouldn't bother. Most here don't bother unless it is in the fund already, such as a Target Date or Life Strategy. Some do, and that is following Vanguard's advice, so it could be the right thing to do. It probably doesn't matter a lot, and yo...
by catdude
Thu Feb 15, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1875

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

I'm just wondering if, while I'm at it, I should add Total International Bond (VTABX) catdude: I answered your question on page 11 in my Three-Fund Portfolio topic. This is a direct link: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005&start=500#p1837043 Read my "Simplicity" link below....
by catdude
Thu Feb 15, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1875

Just added Total Int'l Stock; add Total Int'l Bond too?

Today I took the big plunge and moved to a three-fund portfolio. I added Vanguard Total International Stock fund (VTIAX) to my previous two funds (Vanguard Total Stock and Total Bond). VTIAX now comprises 20% of my equity allocation. I'm just wondering if, while I'm at it, I should add Total Interna...
by catdude
Wed Feb 14, 2018 2:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Let's Wish Mr. Bogle - Happy Valentine's Day
Replies: 2
Views: 328

Re: Let's Wish Mr. Bogle - Happy Valentine's Day

Wonderful poem, Kathleen!

Mr. Bogle - In all honesty, given that I'm a guy, I have to admit that you're not exactly my idea of a valentine. But I will nevertheless wish you a Happy Valentine's Day! We've never met, but you've done a lot for me, and I sincerely appreciate it. Thank you!
by catdude
Fri Feb 09, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of splitting up my portfolio
Replies: 4
Views: 605

Thinking of splitting up my portfolio

Hi Bogleheads - The recent crash of Vanguard's website amidst all the equity market bloodletting has me thinking I made a mistake a year or two ago when I consolidated all of my accounts with VG. It's been nice, and convenient, having everything with one company, but if VG's site were to go down for...
by catdude
Thu Feb 08, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13356

Re: Financial Hole

LiterallyIronic is right....

OP, either make some necessary changes, or live the way you're living for the rest of your life.
by catdude
Thu Feb 08, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13356

Re: Financial Hole

I think that Consumer Cellular is what old people use,and I'm sure that doesn't include data. Guilty as charged! I'm 62 years old, and I use Consumer Cellular. Yeah, I'm an old dog. I pay CC 25 bucks a month for my cell service, and yes, that includes data. I'm a generally frugal person, and on the...
by catdude
Mon Feb 05, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13356

Re: Financial Hole

I need my phone for work contact,plus I commute alot so definitely need phone. Eat out very rarely,unless you consider fast food dollar menu. As far as credit cards,I have around 7 now and pay the minimum on each... OK, which company do you use for phone service? There are low-cost options out ther...
by catdude
Mon Feb 05, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Just got robo-call from "Internal Revenue Service" -- yeah, right
Replies: 3
Views: 616

Just got robo-call from "Internal Revenue Service" -- yeah, right

Hi Bogleheads - A few minutes ago the phone rang and it was a robo-call. It was supposedly the IRS and they were calling to let me know this was my last chance to settle up with them before they arrest me for "tax fraud." I hung up on them. I'm not too worried cuz the IRS's initial point of contact ...
by catdude
Mon Feb 05, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Average dude with just W-2 and some 1099-INT income
Replies: 18
Views: 1680

Re: Average dude with just W-2 and some 1099-INT income

Take a look at FreeTaxUSA -- I used them to file this year... https://www.freetaxusa.com/ They're cheaper than TurboTax. My federal filing was free, and my state filing cost only $12.95. Like you, my taxes are simple -- standard deduction, a W-2, a handful of 1099's. For some reason, my turbotax is...
by catdude
Mon Feb 05, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Average dude with just W-2 and some 1099-INT income
Replies: 18
Views: 1680

Re: Average dude with just W-2 and some 1099-INT income

Take a look at FreeTaxUSA -- I used them to file this year...

https://www.freetaxusa.com/

They're cheaper than TurboTax. My federal filing was free, and my state filing cost only $12.95. Like you, my taxes are simple -- standard deduction, a W-2, a handful of 1099's.
by catdude
Sun Feb 04, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7835

Re: "Bitcoin is my potential pension"

HomerJ wrote:
Sun Feb 04, 2018 1:41 am
catdude wrote:
Sun Feb 04, 2018 1:07 am
Everybody wants to get rich quick.....
"After years of disappointment with get rich quick schemes, I know I'm gonna get rich with this scheme. And quick. "

-Homer J Simpson
*chuckle* :)
by catdude
Sun Feb 04, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software Recommendations
Replies: 28
Views: 1797

Re: Tax Software Recommendations

Another vote for FreeTaxUSA. I used it for the first time this afternoon to prepare & file my fed & state returns. It was a breeze. But then, my taxes are pretty simple and straightforward. A W-2 for life insurance premiums paid for by my ex-employer, and a handful of 1099's. Not much more to it tha...
by catdude
Sun Feb 04, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7835

"Bitcoin is my potential pension"

Hi there Bogleheads - I really haven't been paying much attention to the Bitcoin mania... but I thought I'd share a Washington Post article on some folks in Kentucky who are looking for a big kill... https://www.washingtonpost.com/business/economy/bitcoin-is-my-potential-pension-what-is-driving-peop...
by catdude
Thu Feb 01, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2209

Re: looking for positive experiences transferring to Vanguard

A couple years ago I transferred an IRA from Fidelity to Vanguard. I don't remember the details, just that it went very smoothly. No problems at all.
by catdude
Thu Feb 01, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7893

Re: I have an overwhelming gift I'm in need of help of please.

All great advice given so far, I would like to caveat the above with this: Your banker will want to offer you a cup of coffee and some cookies while they try to sell you everything under the sun including annuities, mutual funds, maybe some certificates of deposit - don't fall for it. That cup of c...
by catdude
Sat Jan 27, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thank you
Replies: 10
Views: 577

Re: Thank you

Good job dude! Just keep hanging out here, learning as you go along, and soon enough you won't even need Vanguard PAS. You'll be a true DIY'er....
by catdude
Thu Jan 25, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17526

Re: My boneheaded financial mistakes

baritone wrote:
Thu Jan 25, 2018 7:11 pm
By the way I'm a man and cat lover.
Congrats to you, baritone. Does your car license plate reflect this? I tried to get CAT DAD as my license plate but unfortunately, in my state, it's already taken...
by catdude
Thu Jan 25, 2018 2:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4112

Re: Happy Birthday, Taylor!

Happy Birthday, Taylor! May you have many more....
by catdude
Thu Jan 25, 2018 2:05 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17526

Re: My boneheaded financial mistakes

confusedinvestor wrote:
Thu Jan 25, 2018 1:52 am
- Not having a good financial advisor - still searching...
Have you thought about using Vanguard PAS? They only charge 0.30% (30 basis points)....
by catdude
Thu Jan 25, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Worst financial moves ever made?
Replies: 6
Views: 1055

Re: Worst financial moves ever made?

OP, a few months back I started a thread on this very topic. You can check it out here --

viewtopic.php?t=228527
by catdude
Thu Jan 18, 2018 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4455

Re: Lost Job. Retirement/Portfolio Advice

I just read the initial replies and thank those who replied with reassurances. And yes I am for real. A statistic. While I appreciate the encouragement, my portfolio doesn't compare to my former colleagues with $10 million plus portfolio and still growing. Furthermore, articles on the net report th...
by catdude
Tue Jan 16, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: [Mark Cuban -] "Diversification is for idiots..."
Replies: 26
Views: 3817

Re: Diversification is for idiots...

I'd love to hear him say that to the folks who had all their $$$ in Enron stock....
by catdude
Sun Jan 14, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement possible?
Replies: 12
Views: 1820

Re: Early retirement possible?

What's your plan for health insurance? At age 45 you'll be 20 years away from Medicare eligibility.
by catdude
Thu Jan 11, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 1825

Re: anyone else enjoying an afternoon nap in retirement?

It's not an everyday thing for me, but yeah, the freedom to take an afternoon nap if I'm feeling a bit sleepy is one of the great fringe benefits of being retired.
by catdude
Tue Jan 09, 2018 2:30 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20124

Re: Anyone disenchanted with retirement?

Count me as another HELL NO vote. I retired at 55 and for about a year afterward did some contract work for my ex-employer -- basically training my successor. Did that for about a year but got to the point where I was feeling just as stressed-out as I felt during my days as a regular worker. Then I ...
by catdude
Wed Jan 03, 2018 1:59 am
Forum: Personal Consumer Issues
Topic: Oregon and N California trip, need advice
Replies: 20
Views: 1623

Re: Oregon and N California trip, need advice

We were temporarily living in Texas for my wife's medical career when I first found this forum some years ago, hence the forum name which I'm stuck with, but we've since returned back to the Pacific Northwest. You're not stuck with it -- a moderator can change it for you. My BH handle was "johnny" ...
by catdude
Tue Jan 02, 2018 2:50 pm
Forum: Forum Issues and Administration
Topic: Slow loading of pages.
Replies: 27
Views: 2387

Re: Slow loading of pages.

No, Sandtrap, it's slower than molasses in January! :)
by catdude
Fri Dec 29, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Messy portfolio - need help so can retire early
Replies: 4
Views: 883

Re: Messy portfolio - need help so can retire early

OP -

You're doing well for someone who's 41. Much better than I was doing at 41!

How much is your income, and how much are you investing each month/year? Are you expecting any pension when you retire? This is info we need to figure out if you'll make your goal of retiring at 50....
by catdude
Fri Dec 29, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is Roth IRA conversion easy with Vanguard?
Replies: 26
Views: 2014

Re: Is Roth IRA conversion easy with Vanguard?

I've done it twice also, with no problems at all.
by catdude
Thu Dec 28, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7309

Re: The Economics of a new Puppy

Don't know if you're willing to take advice from a cat guy, but I'm another vote for Chewy.com as an online source of pet food. They have free shipping on orders over 49 bucks.
by catdude
Thu Dec 28, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: How Much Can I Spend On Rent? (Sanity Check)
Replies: 25
Views: 1819

Re: How Much Can I Spend On Rent? (Sanity Check)

I would say, off the top of my head, that the apartment looks to be financially reasonable. You'll be making a nice income, and you'll have a net income -- after paying your rent -- of $100k - $110k annually. You say your expenses will be minimal. I take it from this that you have little or no stude...
by catdude
Wed Dec 27, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8188

Re: What non fiction book will you be reading in 2018?

A couple books I've got in mind... Ron Chernow's new book on General Grant; and John Feinstein's book on last year's Ryder Cup golf matches. Looking forward to both very much.
by catdude
Wed Dec 27, 2017 1:31 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 7222

Re: Costco for tires and car insurance?

Hi gang, OP here. I wound up going with Discount Tire... they have a location that's close by. I got Bridgestone Blizzaks and wheels, and I only had to wait about an hour to get them put on my vehicle...
by catdude
Tue Dec 26, 2017 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard funds would work best?
Replies: 8
Views: 1014

Re: Which Vanguard funds would work best?

OP, welcome to the forum! It's great that you're getting started investing at such a young age. By starting now and investing steadily for the new few decades, the day will come (at a relatively young age) when you'll be able to write your own ticket. You don't have to pick the perfect fund right no...
by catdude
Sun Dec 24, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5766

Re: Not investing through your 30's

I'm one of these folks who didn't start investing till I was 40. Dumb! :oops: I didn't make much money in my 20's & 30's, but I could've saved something... In my 40's & 50's I had to save 35-40% of my income to make up for lost time. And I never really caught up. I live fairly modestly -- which is O...
by catdude
Sun Dec 24, 2017 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 7768

Re: Will you donate less to Charity?

The Washington Post has a story on this subject.... https://www.washingtonpost.com/business/economy/charities-fear-tax-bill-could-turn-philanthropy-into-a-pursuit-only-for-the-rich/2017/12/23/38b65eb6-e69a-11e7-9ec2-518810e7d44d_story.html?hpid=hp_hp-top-table-main_taxcharities-630pm%3Ahomepage%2Fst...
by catdude
Sat Dec 23, 2017 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21396

Re: Do you see a meaningful change in your income with new Tax Bill?

No, not meaningful. I just have pension income and I figure I'll save about $600. Just enough to help out a bit with the cat food expense. Hope that's for a cat and not you :D Hee hee that's pretty good. :D I assure you it's not for me! I have four kitties (hence the name The Catdude) and the cat f...
by catdude
Sat Dec 23, 2017 12:31 am
Forum: Investing - Theory, News & General
Topic: Looking for a post about stock crash
Replies: 8
Views: 1114

Re: Looking for a post about stock crash

Thanks for that sad trip down memory lane....
by catdude
Fri Dec 22, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Need allocation advice... Parted way with FA
Replies: 21
Views: 2455

Re: Need allocation advice... Parted way with FA

OP, I may be off-base here, but I'm just wondering if you should have a bigger emergency fund. I'm curious to know what ruralavalon and other Bogleheads think about this. You and your wife work for the same company, and you say that the company's performance of late hasn't been all that great. What ...
by catdude
Fri Dec 22, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1234

Re: iPhone 4 troubleshooting

Looks like there is a MOTOROLA MOTO E4 promo going on. Anyone have experience with this. Looks like it is almost free since it comes with free service for 4 or 6 months. ( i currently pay 24.99 month for .5 MB and unlimited talk and text.) Is the transition away from an Iphone a pain? I wouldn't th...
by catdude
Fri Dec 22, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 3944

Re: Has anyone here purchased a home for cash (no mortgages)?

I paid cash for my current home... it's a townhouse that I bought new from the builder. Having no mortgage payment allows me to live, in retirement, on my pension. I love it! I'll tell ya this, it sure made closing go a lot faster... I only had to sign 3 or 4 documents. Nothing is better in a buyer'...
by catdude
Fri Dec 22, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21396

Re: Do you see a meaningful change in your income with new Tax Bill?

No, not meaningful. I just have pension income and I figure I'll save about $600. Just enough to help out a bit with the cat food expense.
by catdude
Fri Dec 22, 2017 2:06 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 53
Views: 9544

Re: Fidelity, Vanguard or Schwab? I need to choose.

Which firm has the best individual bond offerings and the best bond desk to deal with? I have a fixed income portfolio with mostly muncipal and corporate bonds (I'm in California). And unfortunately, many of my 5% California muni's are being called. I recently moved my portfolio from UBS to Fidelit...
by catdude
Thu Dec 21, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1234

Re: iPhone 4 troubleshooting

OP, I agree with climber, you should think about getting a new phone. If you're married to the idea of having a small phone, the iPhone SE is a great option. I have one and I think it's dandy. Consumer Cellular has it for $160, though at various times I've seen it for less than that. Maybe post-Chri...
by catdude
Thu Dec 21, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51119

Re: Prepaying property taxes in 2017

Bogleheads are all over this! Check out the omnibus tax thread here...

viewtopic.php?f=2&t=235146
by catdude
Thu Dec 21, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: State and local income tax
Replies: 2
Views: 469

Re: State and local income tax

This issue is being thoroughly discussed in the main thread on the new tax law:

viewtopic.php?f=2&t=235146