Search found 1067 matches

by minesweep
Thu Apr 06, 2017 9:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 317
Views: 16289

Re: Your USER NAME...what does it mean?

I served 18 months aboard a U.S.Navy minesweeper.
by minesweep
Tue Apr 04, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2120

Re: Medigap Plan F Increases

My plan goes through Tower Watson too. So I receive a healthcare reimbursement arrangement from my former employer as well. It's a fixed amount ($487.50 a quarter). Probably not; we (me/wife) get funded on an annual basis for a total of $5k/year. - Ron I removed my comment about possibly working at...
by minesweep
Tue Apr 04, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2120

Re: Medigap Plan F Increases

Eastern PA, with AARP UHP Plan F: 2015 rate: 0.0% increase (from 2014 initial age 65 rate) 2016 rate: 7.5% increase 2017 rate: 6.3% increase It might not be the cheapest plan around (current monthly rate of $152.92) but it's fully refunded via my former company's retirement HRA. To get the reimburs...
by minesweep
Mon Apr 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2120

Re: Medigap Plan F Increases

For the first 9 months of 2016 I was paying $212.93/month for Medigap Plan F. In October 2016 the monthly payment increased to $227.84. For 2017 I switched my healthcare provider from Mutual of Omaha to Cigna Total Choice. My monthly payment for 2017 is $201.57 (a 13% decrease from the October incre...
by minesweep
Sun Apr 02, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4309

Re: Prime Money Market Fund vs. Federal Money Market Fund

I believe the Vanguard Treasury Money Market Fund is closed. If you have it, you can still use it, but it is not available for new accounts. Doesn't appear to be closed. Didn't see a note that it was closed on the web page. Went into my account and went through the buy screens until I got to the on...
by minesweep
Wed Mar 29, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 72
Views: 9216

Re: Where to buy a Vanguard hat?

Nowhere can I find you your hat, but here's a mug with which you can drink the drink in which you might want to drown your sorrows: https://punchout.swervepoint.com/media/catalog/product/cache/13/image/650x/040ec09b1e35df139433887a97daa66f/c/e/ceramic_bistro_coffee_mu-01.jpg Thanks to the lower exp...
by minesweep
Mon Mar 27, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 4898

Re: John Bogle interview: is "deep risk" growing?

Mr. Bogle, if you listen to his thoughts over many years, always expresses notes of caution, even long-term caution, so this is nothing new. I think that is a message to those who always get excited during bull markets and rush into 100% stocks in their portfolio [/b[b]](or those, often on the advi...
by minesweep
Sun Mar 26, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Keep JNJ or invest everything in index funds?
Replies: 18
Views: 1169

Re: Keep JNJ or invest everything in index funds?

Hugely risky, but you're in a good position to take risk. If you had to own one single issue, there probably wouldn't be a much safer one than JNJ. I think it's the only company with S&P AAA rating now. XOM got bumped. Maybe Microsoft is AAA, not sure. Anyway, another plus is it's excellent, ab...
by minesweep
Mon Mar 20, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5116

Re: Best way to expand my vocabulary?

I did a simple Internet search on how to improve one's vocabulary and found a number of suggestions.
by minesweep
Mon Feb 27, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 38
Views: 4320

Re: Buffett interview Monday 2/27

Berkshire Hathaway chairman Warren Buffett says stocks are comparatively cheap based on where interest rates are.

BUFFETT: Stocks are not in bubble territory
by minesweep
Sun Feb 26, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4974

Re: Should we wait before buying in?

These OP's had similar concerns. I wonder if they're still waiting for the right time to invest. May, 2013: Anyone still waiting for a market dip before investing? November, 2013: Advice: Should I invest when Stocks are at all time high May, 2014: Wait to invest since stocks are high? March, 2015: W...
by minesweep
Thu Feb 16, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2593
Views: 675493

Re: What Movie Have You Recently Watched?

I watched groundhog day, again, no pun intended. lol that was on tv last week, I just can't get enough of that movie. Any other fans out there? I watched the movie again too. It's one of my favorites. One of my favorite lines is the second day Phil Connors (Bill Murray) wakes up and goes downstairs...
by minesweep
Fri Feb 10, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with all this rollover money
Replies: 23
Views: 1576

Re: What to do with all this rollover money

This is your lucky day (you just don’t realize it yet). Follow the suggestions that you receive at this forum and you will likely be better off because of it (there have been testimonials to that effect over the years). Check out the Bogleheads Wiki at your leisure. But first start here.
by minesweep
Tue Feb 07, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Invest with Multiple brokerages or just one
Replies: 2
Views: 239

Re: Invest with Multiple brokerages or just one

This question has been asked a number of times over the years.

Here's one from just 12 days ago: All in VANGUARD is that ok??
by minesweep
Sat Feb 04, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Fed/State tax
Replies: 3
Views: 530

Re: Help with Fed/State tax

The instructions for your state IT-540 should state what documents to include when filing your amended return. Have you done an Internet search for your state’s IT-540? I did and came up with Louisiana. Is that correct?. If so, see page 1 of instructions here These are the instructions for filing th...
by minesweep
Mon Jan 30, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Mom wants an air fryer?
Replies: 29
Views: 3053

Re: Mom wants an air fryer?

I don't see the purpose of pretty much any counter top cooking devices aside from a toaster, toaster oven, or crock pot..... You forgot the most important... coffee maker. :D :D :D Oh yeah, I guess I don't drink coffee so it didn't cross my mind. I guess really any frequently used cooking device ca...
by minesweep
Mon Jan 30, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 4041

Re: Stocks Down - My Fault

Can't blame me. I'm just staying the course.
by minesweep
Mon Jan 16, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Yr. Old Male, Where Would I Start?
Replies: 5
Views: 599

Re: 28 Yr. Old Male, Where Would I Start?

Welcome to the Bogleheads Forum!

You can begin here at the Bogleheads Wiki:

Getting started
by minesweep
Sun Jan 15, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 61
Views: 4286

Re: Dollar-Cost-Average over HOW MANY years?

You have said that your desired asset allocation is 80/20, but the question that you asked seems to indicate that you are not really comfortable with that allocation. Perhaps revisit your IPS. Ralph +1 I gathered from a prior post that the OP and his wife are 52/48 respectively. Apparently, a Vangu...
by minesweep
Fri Jan 13, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1704

Re: Thinking about leaving Ameriprise

Set up an account at Vanguard (or Fidelity...or) and start the transfer process with them. They will do the lifting and there will be no confrontation. Your advisor is a 'friend', cool, but it's just business. 2.7% is pretty terrible for last year. You can read the wiki and do much better on your o...
by minesweep
Fri Jan 13, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1704

Re: Thinking about leaving Ameriprise

Just for more information, he does not charge me an annual flat fee, but there is a 1% fee through Ameriprise, and I'm sure there are fees on many of the funds. Any help would really be appreciated. There continues to be a lot of focus on the consequences of today’s low-rate environment. In such an...
by minesweep
Fri Jan 13, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1704

Re: Thinking about leaving Ameriprise

Dottie57 wrote:FYI

I am sure you realize that doing business with friends is not a good idea. You may lose the friendship.

To me a true friend is someone who would be happy for me finding better investment options that were available to me. Money shouldn't be a foundation for friendship.
by minesweep
Tue Jan 10, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing
Replies: 13
Views: 1327

Re: Lump Sum Investing

BH wisdom is that the BEST time to invest is when you have the money to do so. You have the money now; do so! Old Chinese proverb says: The best time to plant a tree was 20 years ago. The second best time is today. "Someone is sitting in the shade today because someone planted a tree a long ti...
by minesweep
Sat Jan 07, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6182

Re: I am timing the market. Why am I wrong?

Q3 2015 I subscribed to the WSJ and then Barrons to start learning. In addition I started lurking and sometimes contributing in online forums. Last April, deciding that the market was in a significantly overvalued state I decided to go from nearly 100% invested to nearly 0% invested. It’s lucky for...
by minesweep
Fri Jan 06, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Step up in basis question
Replies: 5
Views: 331

Re: Step up in basis question

If you and your spouse owned one or more homes together, the tax basis of the ownership interest that belong to your spouse (usually half) is stepped up. If you and your spouse owned one or more homes or other capital gain assets as community property in one of the nine community property states (A...
by minesweep
Fri Dec 30, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November
Replies: 8
Views: 1221

Re: BOGLEHEAD CONTEST -- November

Roverdog predicted 2238.89. S&P closed the year at 2238.83.
by minesweep
Wed Dec 28, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5564

Re: TV in the bedroom?

jasper wrote:TV watching in the bedroom, before bed, is bad for sleep
Look it up. Well studied

Why is it that TV viewers have trouble falling asleep in the bedroom but not the living room or den? :?
by minesweep
Mon Dec 26, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4666

Re: If a tree falls

the power is a problem. The power line is down. It is a hazard. The power company said they would come by 11. At 6 pm I asked them to come tomorrow, since once they get here, I'll lose power, and I'll need the electrician to hook the power back up. If he isn't here when they come, I'll need to wait...
by minesweep
Fri Dec 23, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can Bogleheads Have Fun Too?
Replies: 29
Views: 3059

Re: Can Bogleheads Have Fun Too?

There are thousands of fun threads on this forum. Look at all the requests for 1. Food and Eating 2. Travel 3. Vehicles (Cars, Trucks, Bikes, Motorcycles, 4-wheelers, and many more) 4. Watches (I have no idea why they are fun though) 5. Shoes and clothes 6. Purses and accessories 7. Movies, books, ...
by minesweep
Tue Dec 20, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1767

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

In before the lock! :wink: ..... I'm still long on stocks because I think our republic can handle even very incompetent administration (although this will be a unique first test in that regard). That comment will get it locked for sure. Or, the Wiiliam4u comment will be deleted and the topic will l...
by minesweep
Tue Dec 20, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 5050

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Almost there wrote:Thank you for letting me know about the contest.

REGISTRATION for the 2017 Boglehead Contest will begin January 1, 2017 and end January 10.

2017 Boglehead Contest Registration Reminder
by minesweep
Tue Dec 20, 2016 11:34 am
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 5050

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Almost there wrote:Could you please start a new post about the S&P? This posting is just about the Dow reaching 20,000.

There is one. It's called the Boglehead Contest. There are over 600 predictions of where the S&P 500 will finish the year.

2016 Boglehead Contest
by minesweep
Sun Dec 18, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ideas to invest cash in 401 k
Replies: 1
Views: 367

Re: Ideas to invest cash in 401 k

Welcome to the Bogleheads Forum! It’s safe to say that most Bogleheads would not recommend investing in sector funds. Especially given that you market timing attempt has not worked (at least in the short term) with an investment in a broad based index fund. Perhaps you need to reassess your risk tol...
by minesweep
Fri Dec 16, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 6961

Re: What do you think is in more of a bubble right now?

I don’t think we are even close to a stock market bubble. The Fed Chair has yet to utter the phrase irrational exuberance. :happy
by minesweep
Thu Dec 15, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Got cash - what to do?
Replies: 9
Views: 1884

Re: Got cash - what to do?

It would be best to do it all at once because no one knows the best time to invest in the stock market (it’s only in hindsight). However, because of your trepidation I would dollar cost average in that new money. If there were a big selloff in the stock market it could prevent you from doing somethi...
by minesweep
Wed Dec 07, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Veterans Administration(VA) benefits for my sister
Replies: 10
Views: 1058

Re: Veterans Administration(VA) benefits for my sister

My 86 year old widowed sister is in an assisted living facility. They said because her husband had been a veteran the government would pay $1,000 a month. This was back in 2011, so it sounds like they raised the amount since then. If I recall correctly her total assets had to be under $80,000 to qua...
by minesweep
Wed Nov 23, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 24187

Re: Retreat to cash

Having nerves about volatility in the stock market might mean it's time to change asset allocation. Maybe you just need to have more % assets in fixed income (not move 100% out of equities, why so drastic) and you'd not be worried right now. I think it's nice to have a floor that lets me sleep at n...
by minesweep
Mon Nov 21, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 4333

Re: Synchrony vs Ally

I have two savings accounts with Ally that were opened about 10 months ago.. One account for myself and one for my sister (I have power of attorney). I like the layout at their website (very user friendly). They sent me an email earlier this month telling me of the following updates that are coming ...
by minesweep
Wed Nov 09, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 9246

Re: Just don't panic

At the moment it's looks better than a ho-hum day.
by minesweep
Mon Oct 31, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: Edward Jones Trick or Treat (Tricks)
Replies: 16
Views: 3138

Re: Edward Jones Trick or Treat (Tricks)

The kid gets a Snicker. EJ hopes for a Payday (at the least a 100 Grand). They should get Zero.
by minesweep
Sat Oct 29, 2016 9:38 am
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6871

Re: Barron's article: Get ready for sub-5% returns

letsgobobby wrote:I can't read the article but I expect 4% real just for the stocks. 0-1% for the bonds. So a 60/40 portfolio takes me to 2.5-3%.

Try this backdoor to article
by minesweep
Mon Oct 17, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Rmd [Required Minimum Distribution - how often taken?]
Replies: 12
Views: 1284

Re: Rmd

Once a year in mid-December. I have my 100% of my federal income tax withheld at that time too.
by minesweep
Sun Sep 25, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 2352

Re: Best online bill payment service.

I've used the automatic bill payment systems for my electric and gas utilities for decades. I never had a problem (knock on wood).
by minesweep
Sat Sep 17, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 3661

Re: No matching on Roth?

Do you have good investment options in the 401k? It's through Voya (not sure if that's good or not). I'm getting a rolling 12-month rate of return of 8.18, fairly evenly distributed across these funds: 0765 Voya Solution 2045 Portfolio Srv 1167 Voya Solution 2055 Portfolio Srv 0487 American Funds G...
by minesweep
Thu Aug 11, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 5369

Re: Talking about the Bogleheads approach with non-Bogleheads

They told you what they do financially so why not tell them what you do. No need to go any further and try to convince them to change their ways. If they express an interest then you could delve deeper into the subject matter.
by minesweep
Tue Aug 02, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 8865

Re: How long to turn 1 million to 2 millions for you?

The only problem is that a million dollars isn't what it used to be. I think $5,000,000 is the new 1,000,000. I recall watching “The Millionaire” TV series in which a fictional benefactor (John Beresford Tipton) gave away 1 million dollars anonymously to a person he never met. The TV series aired f...
by minesweep
Mon Aug 01, 2016 8:45 am
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4137

Re: Stock Screeners

I don't put much stock in those screeners. :happy
by minesweep
Wed Jul 27, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor
Replies: 16
Views: 1178

Re: Beginner Investor

I would also consider a Roth IRA with a very low $1,000 opening deposit to a Vanguard LifeStrategy or Target Fund. This is a good idea, but you have to have earned income. If not earned, then a regular taxable account. Best choice would be a target retirement fund with maybe 40 to 60% stock. Nick, ...
by minesweep
Sat Jul 23, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 16792

Re: Early retirees, how much did you leave on the table?

For those of you posters who retired early, did you leave with an employer sponsored health plan of some sort or have to cover that yourself? TimeLord, what about you? Thanks. I had a healthcare plan through my former employer until I was eligible for Medicare. I had a spreadsheet on what the month...

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