Search found 860 matches

by shawcroft
Sat Aug 27, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 56
Views: 5631

Re: Fidelity competing harder w/Vanguard

jwillis77373 wrote:We're comparing 1/10 ths of a basis point.. and complaining?

Only the Angels on the head of a pin could party with that much in their pocket.


Willis:
Indeed.....Excellent observation!
Shawcroft..
by shawcroft
Sat Jul 30, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning advice?
Replies: 34
Views: 4509

Estate planning advice?

Bostondan: I've posted estate planning questions in the past and have gotten responses with great insights. bsteiner's thoughts were alway very helpful. Alas, we live in Connecticut and it currently has a 2M exemption (it was increased to 3.5M for a few years but the current governor reduced it to 2...
by shawcroft
Mon Jul 25, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4488

Re: World VCR production is ending next month. What to do with my old VHS tapes?

rec7 wrote: I am still using my VCR a couple times per week. Anybody else? Yes, we use ours about twice a week. I've copied family VHS tapes ( the original big ones) taken from 1983-1995 onto DVD. Most went 2 hours so I was able to start the 2 hour VHS tape and the DVD copier (set for 2 hours) and ...
by shawcroft
Sun Jul 24, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best Account for Overseas ATMs
Replies: 14
Views: 1773

Current Best Account for Overseas ATMs

I came across this discussion which is about 5 years old. We are planning an overseas trip for late fall. Do my Boglehead colleagues have more recent experiences / views on banks and their fees regarding use of international ATM's? Do Capital One and USAA still provide the best deal? Thanks, Shawcroft
by shawcroft
Mon Jul 11, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: New MetLIfe 403b
Replies: 2
Views: 242

Re: New MetLIfe 403b

Duckie: He would get the full match at 3%. The MetLIfe representative is supposed to have a meeting at their office some time this week to explain things and answer questions. Nothing happened today. He has gotten interested in the costs (fees) which may be floating around this variable annuity. Sha...
by shawcroft
Mon Jul 11, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: New MetLIfe 403b
Replies: 2
Views: 242

New MetLIfe 403b

One of our sons lives out-of-state and works for a non-profit organization. Last week, he received a notice that they will be changing their 403b provider to MetLife. He hasn’t gotten any detailed information but was sent a 5-page summary. He scanned the pages and sent them to me for my thoughts. (t...
by shawcroft
Wed Jun 22, 2016 11:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2968

Happy Birthday, Mel! Boglehead #2.

Rick:
Thanks for alerting the Bogleheads to this momentous occasion. Have a grand birthday, Mel!
Shawcroft
by shawcroft
Wed Mar 09, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Just on The Great Courses
Replies: 20
Views: 2277

The Great Courses

Having been encouraged by someone here to try them, we do find we are hooked......." Masters of War" with Andrew Wilson of the Naval Academy. Which was again a stimulating insight into matters (strategic thinkers in history) about which we knew little....... the quality so far has been hi...
by shawcroft
Tue Mar 08, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Properties
Replies: 19
Views: 2164

Re: Rental Properties

[OT link removed by admin LadyGeek] hburrus: nice list of very practical information. The OP got into the rental business "by default", not part of a grand scheme. I hope his monthly rent covers all the fixed and variable costs, with something left over for occasional capital repairs and/...
by shawcroft
Mon Feb 29, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16282

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Taylor Larimore wrote:Philadelphia is a long trip for me at age 92. Nevertheless, meeting Jack and old and new friends will be a highlight of my remaining days.

Taylor:
I know I speak for all Bogleheads when I say it is our hope that you have- and enjoy- a large number of "remaining days".
Shawcroft
by shawcroft
Thu Feb 25, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Cheap MRI in Connecticut?
Replies: 18
Views: 1697

Re: Cheap MRI in Connecticut?

Anyone know of a cheap or at least fair priced place to get an MRI (for knee) done in Connecticut? Snowjob: "Advanced Radiology" has several locations in Southwestern CT- in the Stamford-Bridgeport area. I have no experience with them but their website says they will quote you a price. Mi...
by shawcroft
Wed Feb 24, 2016 4:16 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16282

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

ModifiedDuration wrote:Sort of like a StubHub, but I would act as market maker.

Good idea?


Well, I suspect we are all economic beasts of prey......

That said, I recognize this is (hopefully) said with tongue in cheek.......otherwise, the much-feared" Wrath of Lindauer" will descend upon you..

Shawcroft
by shawcroft
Tue Feb 23, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16282

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

The clock ticks..
My "check is in the mail" as of Saturday ...I hope the postal service is reasonably efficient (I surmise that is the wish of many who are hoping to attend)
Shawcroft
by shawcroft
Sat Feb 20, 2016 10:15 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16282

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Kathleen: Your e-mail and Mel's badgering touches me greatly. I will request Registration Forms from Gail Cox immediately. I believe our family would also like to attend what has always been a high-point of our lives. Thank you for the "push." Best wishes. Taylor Great news that Taylor wi...
by shawcroft
Sun Feb 07, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Yikes! FA is killing me...desperate to know how to fire FA and DIY?
Replies: 38
Views: 4992

Re: Yikes! FA is killing me...desperate to know how to fire FA and DIY?

Good job, you will be happy. I was. And no need to say goodbye. Vanguard does it all for you. I now have enough experience to say that that is not entirely true, and it's not true for Fidelity either. They both follow "protocol", which basically means they won't fight for your money if th...
by shawcroft
Mon Feb 01, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Forming LLC to buy condo?
Replies: 20
Views: 1746

Forming LLC to buy property?

Interesting thread....reminded me of a recent conversation I was at a holiday party in December. One of the attendees (who resides in Connecticut) mentioned that he and his wife own a vacation home on Cape Cod which they placed in a Florida LLC ( I asked him Florida twice and he said yes). He said i...
by shawcroft
Fri Jan 29, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning advice?
Replies: 34
Views: 4509

Re: Estate planning advice?

Dan:
Aspects of estate planning have been discussed several times on the Forum. You are getting some very thoughtful suggestions.
Shawcroft
by shawcroft
Wed Jan 27, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Modems and Routers
Replies: 29
Views: 3008

Modems and Routers

http://thewirecutter.com/reviews/best-wi-fi-router/ http://thewirecutter.com/reviews/best-cable-modem/ Depends on what wifi devices you have (or expect to have) and your internet speed - you might ask Comcast what they prefer for a cable modem. Quark: Thanks for the references. My dealing with Comc...
by shawcroft
Thu Jan 14, 2016 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo - Tough questions to ask?
Replies: 32
Views: 4259

Re: Buying a condo - Tough questions to ask?

To my colleagues:
Boy, is this a timely post! We have a family member who is currently renting but is thinking about buying a condo in the Washington DC area within the next 6 months, He is just starting out on the "learning curve".
Shawcroft
by shawcroft
Thu Jan 14, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Amazon is dropping Prime price to $73 for the weekend
Replies: 26
Views: 4813

Re: Amazon is dropping Prime price to $73 for the weekend

Flobes:
Thanks for the alert. Good catch!
Shawcroft
by shawcroft
Tue Nov 24, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Heads up: LONG rollover TSP to Vanguard
Replies: 27
Views: 3701

Re: Heads up: LONG rollover TSP to Vanguard

OutInThirteen wrote:I could print out Form TSP-77, fill it out, take it to a branch of my local bank to sign and have it notarized,


Are you referring to a medallion signature guarantee here? I don't think you need a bank to have your signature notarized.
Shawcroft
by shawcroft
Thu Nov 19, 2015 10:56 pm
Forum: Investing - Theory, News & General
Topic: Wouldn't it be a great idea to buy Norfolk Southern now??!!
Replies: 16
Views: 2278

A great idea to buy Norfolk Southern now??!!

The deal could get derailed. or.....the two trains might never get coupled (sorry, couldn't resist) If this deal falls through, Warren Buffet might become interested. He said he bought BNSF because he never had a train set as a child. Perhaps he would want to assemble a transcontinental one... Shaw...
by shawcroft
Fri Oct 23, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: Total Wine Store
Replies: 27
Views: 1965

Total Wine Store

The Total Wine store near us is huge and carries an excellent- and large- selection of wines. Connecticut (where I reside) has minimum prices set on wine and liquor so they cannot go as low as other Total Wine stores in some nearby states. As one member from Massachusetts has noted, the best prices ...
by shawcroft
Sat Oct 10, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 5558

Re: SUV recommendation

Subaru Outback.

close enough to an SUV to make it a very good choice.

Shawcroft
by shawcroft
Sat Aug 29, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 73
Views: 7712

Ant Control

edge wrote:I would suggest actively looking for how the ants are entering your home. Other critters can probably get in the same way and potentially damage it.


Excellent observation. although not as small as an ant, I have seen mice get into surprisingly small openings near the foundation.
Shawcroft
by shawcroft
Sat Aug 29, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: REITs: The one Tilt that Makes Sense?
Replies: 47
Views: 4157

REITs: The one Tilt that Makes Sense?

Another thing I keep coming back to — and perhaps this is a naive way of thinking — is that there is virtually no Boglehead author (except Jack Bogle, of course) that *doesn't* recommend a dedicated allocation to REITs. Just think about it: Bernstein, Clements, Ferri, Malkiel, Schultheis, Swedroe, ...
by shawcroft
Tue Aug 18, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: I don't think these people have consumers best intersts at heart
Replies: 10
Views: 2170

these people clearly do not have consumers best intersts at heart

I saw one of these "public service" ads recently and suspected its origins. We are likely to see more of these ads in the months ahead as the "discussions" in 2106 intensify. I am amused by the "Apple Pie and American Way" presentation of these ads.
Shawcroft
by shawcroft
Mon Aug 17, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Life Insurance Trust (ILIT) - worth it for term life and/or other purposes?
Replies: 52
Views: 3201

Re: Irrevocable Life Insurance Trust (ILIT) - worth it for term life and/or other purposes?

patriciamgr2 wrote:bsteiner: Thank you for once again providing valuable information to the Forum. Many of us have benefited from your posts. Thanks.

Patricia:
I agree. bstainer's Forum contributions- and explanations- have been very helpful to many, myself included.
Shawcroft
by shawcroft
Sun Aug 02, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 37
Views: 7289

Re: Is Being a Private Banking Client Worth it?

This list could go on and on, but again people here don't like the unknown. I love Boglehead strategies for common investors, but it's not a coincidence that the most sophisticated investors with the most assets choose private banks. Shucks, I guess we Bogleheads just ain't sophisticated enough to ...
by shawcroft
Thu Jul 30, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: "The Maleficent 7" by Bob Seawright/Above the Market Blog
Replies: 4
Views: 832

Re: "The Maleficent 7" by Bob Seawright/Above the Market Blog

Absolutely wonderful article. Thanks for the link
Shawcroft
by shawcroft
Thu Jul 30, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 16
Views: 4415

Rick’s Top Ten List of When Not To Invest

Rick:
Outstanding list of common sense practices with regard to investing. Now, (as my mother would say) if only common sense wasn't so uncommon...
Shawcroft
by shawcroft
Mon Jul 27, 2015 7:50 am
Forum: Investing - Theory, News & General
Topic: Another look at dividend paying stocks
Replies: 57
Views: 6454

Another look at dividend paying stocks

Thanks, Larry Yes, this is very interesting. I have a BIL who is big into this practice. While some can identify companies which have raised their dividend each year for 15-20 years ( AKA "dividend aristocrats") dividend declarations are at the discretion of the Board of Directors and subj...
by shawcroft
Sat Jul 25, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 2610

WSJ Personal Finance and Investing Articles

It took me about 2 weeks to suspect the weekend edition of the WSJ had undergone another convulsion. Now, alas, you have confirmed my suspicions. Once they started the weekend edition, I thought it was the best edition of the WSJ- and when it was just $2 a copy, probably the best bargain going on cu...
by shawcroft
Sat Jul 25, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 6028

Low mileage oil change

My wife's mother (age 81) only puts about 2500 miles on her 2002 Maxima each year... drives just around her town...most trips being 30 miles or less and never on a major highway or interstate. We were visiting recently and I just noticed she hasn't had an oil change in about a year....should an oil ...
by shawcroft
Thu Jul 23, 2015 7:23 am
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 6599

Re: livesoft surpasses 40,000 posts!

Outstanding accomplishment!
I have enjoyed his posts and expect to continue to do so for decades to come...onward to 50,000!
Shawcroft
by shawcroft
Fri Jul 17, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Chart: The World's Stock Markets in the Year 2050
Replies: 32
Views: 6463

Re: Chart: The World's Stock Markets in the Year 2050

So you're saying instead of holding Total World, own 20 countries with 5% in each (or something) and rebalance. That sounds pretty complicated (what would you even purchase) and fairly tilted. That's also a fairly advanced idea for a lot of people here people who don't even own cap weight, let alon...
by shawcroft
Mon Jul 13, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 78
Views: 8503

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

talked to Ally before going to Canada, they flat out said they only reimburse ATM fees for ATMs in the US, but then $1.61 showed up on our last statement, and it had to be that one ATM in Canad Dandy: With Ally joining the AllPoint ATM network, I wonder if the surcharge fee-free feature will apply ...
by shawcroft
Mon Jul 13, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 6624

Re: VRBO illegal rental [Vacation Rentals by Owner]

4nursebee wrote: In the future exercise your 4th amendment rights and shut up when talking to the police.


4Nursebee: Your thought intrigues me. Could you expand on your this a bit?
Thanks,
Shawcroft
by shawcroft
Mon Jul 13, 2015 3:19 pm
Forum: Investing - Theory, News & General
Topic: "Winning the Loser's Game (third edition)" -- A Gem
Replies: 13
Views: 2572

Re: "Winning the Loser's Game (third edition)" -- A Gem

Taylor Larimore wrote:Mr. Ellis was referring to stock recommendation "tips." Not Treasury Inflation-Protected bonds (TIPS).


Taylor:
Thanks for that clarification.
Shawcroft
by shawcroft
Sat Jul 11, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 8706

No dipstick on a new Audi engine!?!!

Instead of posting your question about how to check the oil, why not simply READ THE OWNER'S MANUAL? Munemaker: I would have done that if our friend had an owners manual in her car. She had no information about the Audi with her. (The circumstances were described in the first post, which started th...
by shawcroft
Fri Jul 10, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 8706

No dipstick on a new Audi engine!?!!

Actually, a google search reveals that the Germans have been foregoing the dipstick for several years -- not a new thing. Maybe it has taken people until now to discover this, since nobody ever checks their oil level anyway. That appears to the the theory behind not having one anymore. Bowser: I've...
by shawcroft
Fri Jul 10, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 78
Views: 8503

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

Phineas J. Whoopee wrote:^ You'll need a money market or checking account to gain ATM access. Their savings account doesn't offer it.
PJW


Phineas:
Yes, thanks for catching my vaguely worded post. We opened both a savings account and a checking account. The Ally ATM only has access to the checking account.
Shawcroft
by shawcroft
Fri Jul 10, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 78
Views: 8503

Ally Bank - New All point ATM network access

We opened an Ally account primarily four the higher interests on their online savings account. If access to the All Point ATM international network is included now, that would be a nice added benefit. A few months ,from now, perhaps our colleagues will be able to remark on experiences using these in...
by shawcroft
Thu Jul 09, 2015 12:34 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 8706

Re: No dipstick on a new Audi engine!?!!

[quote="Wolkenspiel"] - yes, some of the modern engines are prone to using some oil between oil changes - no, it shouldn't end up in a puddle on your driveway in either case - no, you don't have to take it to an Audi dealer for an oil change - yes, you should take to an Audi dealer for the...
by shawcroft
Wed Jul 08, 2015 10:45 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 8706

No dipstick on a new Audi engine!?!!

Thanks for all the comments. Indeed, I have learned that Audi doesn't commonly offer dipsticks with their engines- although the capacity to use one is there. All of the guys I mentioned this to (who are about my age) think this is nuts- none of them own a German luxury car so they hadn't encountered...
by shawcroft
Wed Jul 08, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Family trust woes
Replies: 34
Views: 3914

Re: Family trust woes

One step you might consider is seeing if your mother could be removed as trustee and replaced by an independent corporate trustee. Gill +1 Yes, what they have been doing is called self dealing, and it is a breach of fiduciary duties. It is grounds for removal of a trustee. Really, save yourself the...
by shawcroft
Wed Jul 08, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 8706

No dipstick on a new Audi engine!?!!

We had a friend from Massachusetts who drives a 2014 Audi visit over the weekend. When she moved her car on our driveway, I noticed a small pool of fresh oil where she had parked her car. So, I opened the hood...and spent about 10 minutes looking but couldn't find an oil dipstick. To make matters mo...
by shawcroft
Wed Jul 08, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 8113

"Vanguard's recommended international allocation."

We have just a bit under 20% in international and I have been slowly adding "new money" when available, About 70% of that is in Total International and the remainder is in the FTSE All-World ex-US. The FTSE holdings are a consequence of TLH activities. Anyone else in the same situation wit...
by shawcroft
Tue Jul 07, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 7735

Unknown phone calls

...... For the really annoying ones who continually call from the same number, I will answer but then hold the phone over a toilet bowl and proceed to flush :P - they usually get the message not to bother me again. :) Now, I REALLY like this idea.. Alas, the phone calls continue....... Shawcroft
by shawcroft
Tue Jun 30, 2015 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 7735

Unknown phone calls

Over the past several months, we've gotten an increasing number of phone calls from all sorts of callers: These include "private caller", "number blocked", "US survey", "credit alert" and a lot from a group named "telefund". We're on the do-not-call ...

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