Search found 613 matches

by supersharpie
Mon Aug 14, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Re: Erroneous Vanguard fund prices from 8/11

I called and was surprised to find that this was not a known problem. The rep initially tried to tell me that there simply had not been a change in value on Friday. However, after I pointed out how improbable that was considering the different compositions of the funds that were all showing a 0.00%...
by supersharpie
Mon Aug 14, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Re: Erroneous Vanguard fund prices from 8/11

I called and was surprised to find that this was not a known problem. The rep initially tried to tell me that there simply had not been a change in value on Friday. However, after I pointed out how improbable that was considering the different compositions of the funds that were all showing a 0.00% ...
by supersharpie
Mon Aug 14, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Re: Erroneous Vanguard fund prices from 8/11

livesoft wrote:
Mon Aug 14, 2017 10:20 am
There is an art to being on hold and doing something else.
This is true.
by supersharpie
Mon Aug 14, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Re: Erroneous Vanguard fund prices from 8/11

livesoft wrote:
Mon Aug 14, 2017 10:16 am
I'm laughing because you obviously have time to post on this forum when instead you could be calling.
It takes 10 seconds to make a post and potentially much longer to stay on hold with VG. They likely are getting plenty of calls from folks who check their returns on a daily basis.
by supersharpie
Mon Aug 14, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Re: Erroneous Vanguard fund prices from 8/11

Links please. I see 6.81% for Wellington: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0021#tab=1 5.24% for Wellesley: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0027#tab=1 I am not talking about YTD, I am referring to the change in value from COB...
by supersharpie
Mon Aug 14, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Re: Erroneous Vanguard fund prices from 8/11

Links please. I see 6.81% for Wellington: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0021#tab=1 5.24% for Wellesley: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0027#tab=1 I am not talking about YTD, I am referring to the change in value from COB...
by supersharpie
Mon Aug 14, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1164

Erroneous Vanguard fund prices from 8/11

Has anyone noticed that all of Vanguard's lifecycle funds, as well as Wellesley and Wellington are listed as having returns of 0.00 on 8/11? Given the drastically different compositions of those funds it is highly improbable that this is accurate. Has anyone contacted the company to alert them of th...
by supersharpie
Wed Aug 09, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Forced Early Retirement - Advice Sought
Replies: 32
Views: 4755

Re: Forced Early Retirement - Advice Sought

Due to a company merger I've been told my IT position has 9 months until my position is no longer available. At 59 and spouse 62 we think this may be a good moment to determine if it is a good opportunity to consider early retirement. We will be 60 and 63 when the last day hits next year. Both are ...
by supersharpie
Tue Jun 27, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 6988

Re: New cars w/ no CD player -- what can I do with my CDs?

Many new vehicles are not coming with a CD player anymore, at least the ones I've been shopping. I've got bunches of CDs I'd still like to play in the car. Is there anything I can do that's relatively painless to convert my CDs to something else that I can play in a car without a CD player? Just ge...
by supersharpie
Mon Jun 26, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 4404

Re: Can we retire early?

We would like to retire early and are seeking advice on how to adjust our portfolio to support this goal. As we itemized this per the forum posting template, we realized what a mess our portfolio is - spread all over the place with an aggressive asset allocation that is too heavily concentrated in ...
by supersharpie
Mon May 22, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5191

Re: Travel tips for first time visitors to England and France?

SrGrumpy wrote:
SrGrumpy wrote: Of course the Stones gigs on October 19 and 22 will be a factor. There is talk of a 3rd gig.
Confirmed. Oct. 25.
Excellent, that should help depress ticket prices for 10/19 on the secondary market. I could not bring myself to get up at 4:00 AM when they went on sale Friday.
by supersharpie
Sun May 14, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5191

Re: Travel tips for first time visitors to England and France?

Thanks all for the tips.! I think we will be spending a lot of time with Rick Steves over the next few months as we prepare! We did alter our itinerary slightly to add one extra night to London at the start of the trip and subtract one night from our stay in Paris. Now it is: 3 nights London 6 night...
by supersharpie
Sun May 14, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 41987

Re: Regret early retirement/downsizing

Different people are different. If I had had the money, I could have happily retired at age 24. I'm a creative person who can write, make music, pursue publishing and countless other projects. I don't get my energy or motivation from social situations or other people. I don't need or want validatio...
by supersharpie
Thu May 11, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 20830

Re: Why save so much for when you're old?

Hi, I'm 24 yrs old and almost one year into my actuarial career (first real job). I expect to make good money in the future and have started investing since I was hired. My question is why is saving a lot for retirement so important? I get that we need money for when we're retired and no longer hav...
by supersharpie
Thu May 11, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5191

Re: Travel tips for first time visitors to England and France?

Be cognizant of any bans that may be in place. I'm reading they may likely be banning laptops on flights from Europe to the US in the near future. This is the sort of thing that would have me stranded at the airport with laptop in hand :( From what I read yesterday this appears to be go? Packing la...
by supersharpie
Wed May 10, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5191

Re: Travel tips for first time visitors to England and France?

Be cognizant of any bans that may be in place. I'm reading they may likely be banning laptops on flights from Europe to the US in the near future. This is the sort of thing that would have me stranded at the airport with laptop in hand :( I think the ban they are discussing would still allow you to...
by supersharpie
Wed May 10, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5191

Travel tips for first time visitors to England and France?

Hey all, My wife is graduating from her MBA program next month and to celebrate we are taking a two week trip to England and France in October. We plan to take a red-eye from the east coast to London on a Friday and fly home two Fridays later. At this point we have very few concrete plans in place. ...
by supersharpie
Mon Feb 20, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8726

Which puppy to buy: golden retriever or labrador retriever?

Our corgi died from cancer at the age of 10 in early November. My wife, after initially indicating she wanted to wait several years before welcoming a new pup to the household, has changed course abruptly and now wants to buy one this year. We already have two cats so we are wary of shelter pups as ...
by supersharpie
Mon Feb 06, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 64
Views: 10472

Re: 2.875% mortgage pay-off financially justifiable?

I paid off a 3.25% mortgage early. Sure, you *might* make more money investing the money in stocks, but you might not. Why borrow and pay any amount of interest if you don't have to? Ding ding ding, we have a winner. However, chances are very good that you will make far more money by investing vs p...
by supersharpie
Sun Jan 22, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefits for 62 male. Spouse died at 61
Replies: 8
Views: 991

Re: SS Survivor Benefits for 62 male. Spouse died at 61

My condolences. Your father can file immediately. Survivors may begin collecting benefits the month they turn 60, regardless of the DOB of their spouse.
by supersharpie
Fri Jan 13, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1455

Re: Explaining impact of front loads and fees on returns to sister

mhalley wrote:These are the fees for the fund. Does the advisor charge any fees on top of these?


Good question, I asked her to inquire w/ the advisor.
by supersharpie
Fri Jan 13, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1455

Re: Explaining impact of front loads and fees on returns to sister

This is much appreciated. I don't want to get overly involved in her affairs; she is a bright adult. However, I do want to enhance her level of financial literacy. She apparently has been operating under the assumption that the advisor has been providing his services for a miniscule flat fee. She al...
by supersharpie
Fri Jan 13, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1455

Re: Explaining impact of front loads and fees on returns to sister

My sister has been investing for several years but has taken a hands off approach to this point. She presently has an advisor/broker handling her Roth IRA to which she is contributing $100 a month. All of her Roth investments are in ABALX. Based on my research this carries a 5.75% front load and a ...
by supersharpie
Fri Jan 13, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1455

Explaining impact of front loads and fees on returns to sister

My sister has been investing for several years but has taken a hands off approach to this point. She presently has an advisor/broker handling her Roth IRA to which she is contributing $100 a month. All of her Roth investments are in ABALX. Based on my research this carries a 5.75% front load and a 0...
by supersharpie
Mon Oct 10, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 3958

Re: packaged food expired best buy dates

My wife looks at all these dates on various products. She buys Distilled water for her CPAP machine. That's fine, since minerals in other kind of water would not be good for the machine. Last year, at one point, she told me that she needed another gallon of distilled water because the jug she had h...
by supersharpie
Thu Sep 15, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 2472

Re: Will Medicare take away my Social Security?

OP, you failed to do your research. Medicare Part B premiums were $88.50 in 2006 so they have increased a grand total of $33.30/month over the past decade.

The sky is not falling.
by supersharpie
Mon Aug 29, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 2447

Re: Upcoming Road Trip Restaurant Recommendations

In Philly, go to the Reading Terminal Market, every single day if you can. My hotel in Philly is right by the Reading Terminal Market! Will definitely check it out. Definitely treat yourselves to some Beiler's doughnuts, especially the cream filled versions. Do not be intimidated buy the line, it m...
by supersharpie
Fri Aug 19, 2016 5:14 am
Forum: Personal Finance (Not Investing)
Topic: What is 4 more years of work worth? (Retirement Question)
Replies: 38
Views: 4405

Re: What is 4 more years of work worth? (Retirement Question)

I have the opposite reaction to those above. Keep working. Every year they work is a year they do not draw on their savings. Every year adds to their portfolio. Every year working puts them in better financial shape than they would have been without the earned income. Someone mentioned giving up th...
by supersharpie
Thu Aug 11, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Federal Couple - Financial Independence? Early Retirement?
Replies: 18
Views: 3133

Re: Federal Couple - Financial Independence? Early Retirement?

Depending on your agency you may qualify under VERA for an unreduced pension at any age with 25 years of service or age 50 with 20 years of service. I am turning 33 next month, have nine years of federal employment, and work for an agency that offers VERA retirements on an annual basis. My plan is t...
by supersharpie
Mon Feb 29, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: Watching Oscars with kids
Replies: 34
Views: 3616

Re: Watching Oscars with kids

I did not want to watch the Oscars with my family expecting that the language will not be appropriate for my 11 year old daughter. But she insisted to watch saying that everyone in the school tomorrow would be talking about it and she would be left out if she didn't watch. So we had watched for hou...
by supersharpie
Mon Feb 22, 2016 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Planning for financial future of special needs son
Replies: 20
Views: 2267

Re: Planning for financial future of special needs son

Once you or your wife start collecting Social Security your son can apply for a Childhood Disability Benefit which is equivalent to 50% of your full retirement age retirement benefit. Your own benefit will not be reduced if he is approved. This is different from the SSI program that takes into accou...
by supersharpie
Sat Feb 13, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 4625

Re: Was today's rally temporary?

Kelli28 wrote:think S&P will hit 1800 by March?


It's already at 1865.
by supersharpie
Sun Feb 07, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3374

Re: Can a minor child sue former guardians for theft once they turn 18

I am confused. OP is asking about whether she/he can sue, and says he can't afford an attorney. Yet at the same time, the OP refers to testimony taken from the grandfather in numerous depositions. How can you have depositions without some kind of litigation / court action? I think OP lost her legal...
by supersharpie
Sun Feb 07, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3374

Re: Can a minor child sue former guardians for theft once they turn 18

Twins Fan wrote:Could be... she's trying a different angle to get advice?


Perhaps, Mom also may be trying to force the child into a legal battle he or she doesn't want to fight. Hopefully the poster can provide a reasonable explanation.
by supersharpie
Sun Feb 07, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3374

Re: Can a minor child sue former guardians for theft once they turn 18

From the link LG posted, it seems meg is the mom and made that post a few years ago and now one of her 4 children found this forum and account somehow to make this new post?? My best guess anyway. From reading the posts, mom turning everything over to grandfather, and grandfather becoming guardian ...
by supersharpie
Sun Feb 07, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3374

Re: Can a minor child sue former guardians for theft once they turn 18

This all sounds rather implausible. The bit about Social Security appointing the grandfather as his grandchildren's representative payee is particularly dubious. The agency would only have taken that action if the mother's parental rights had been terminated, had been convicted of certain felony off...
by supersharpie
Sun Feb 07, 2016 5:46 am
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 85
Views: 9558

Re: I Lost My FInancial Brain - Please Help

Beehumble, my condolences. Be aware that you are eligible for Social Security survivor benefits on your wife's record the month you turn 60. Survivors are often, though not always, best served by taking this benefit first and delaying taking their own Social Security retirement until they turn 70. B...
by supersharpie
Wed Feb 03, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 15775

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Some unsolicited and perhaps unappreciated advice: Don't spend a lot on your wedding. "A lot" depends on how much money you have. Of course, it's your money, and you can spend it any way you want. And weddings are, in theory, great things: you get friends and family together to celebrate ...
by supersharpie
Wed Feb 03, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 15775

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Hi guys, I'm new to this community, and would appreciate some advice regarding personal finances and investing. I am 22 years old, one year out of college, and currently living in the SF Bay Area. Right now, I make 180k+ with my primary employer and 20k+ consulting for a startup. After tax, I take ...
by supersharpie
Tue Feb 02, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 3022

Re: Silent Investor Owed Lots of Money

Sounds like a storyline to an episode of American Greed.
by supersharpie
Tue Feb 02, 2016 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 11627

Re: Friend is an Edward Jones financial advisor -- should I drop him?

Mixing friendship and money generally leads to regret. You don't need advisor; just stick to Bogleheads tenets and manage your own finances.
by supersharpie
Sun Jan 24, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 11735

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

Hey everyone, In a bit of a jam here and don't want to rock the boat with my future father in law. I set up my fiances 403b options around January of last year following simple bogleheads philosophy. Her 403b is offered through Fidelity and I set her up with two funds, Spartan Total Market Index Fu...
by supersharpie
Sat Jan 23, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 5345

Re: VFIDX up .83% in one day?

Call_Me_Op wrote:As slutz suggested, they may be dabbling in some bonds below IG.


Typo alert! :-)
by supersharpie
Thu Jan 21, 2016 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 35
Views: 3420

Re: Social security restricted spousal benefits - does my husband need to know?

SSA reps are required to contact the spouse to confirm the 10 year duration of marriage requirement has been met. However, if they unarchive your husband's retirement claim and he acknowledged he was currently married to you at the time, that may be sufficient. This assumes you were married for at l...
by supersharpie
Mon Jan 18, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: I can sleep at night but it is on my mind a lot
Replies: 60
Views: 4720

Re: I can sleep at night but it is on my mind a lot

I thank you again for the encouraging words. I guess my goal was to live from my interest and at death still have what I had the day I retired. Lol I knw that may sound strange but that was what I work to accomplish. I hope with in the 8 years or so stocks will rebound and things start to look bett...
by supersharpie
Thu Jan 14, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Dementia/Alzheimer's (spouse)
Replies: 36
Views: 4949

Re: Dementia/Alzheimer's (spouse)

Most, if not all, long term carriers require that those approved for insurance payments file for Social Security disability. However, once he turns 66 he can suspend his benefits to accrue Delayed Retirement Credits (DRCs) until he turns 70. This means he will still have the option of earning his ma...
by supersharpie
Tue Jan 05, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How has your Salary performed against inflation?
Replies: 59
Views: 6855

Re: How has your Salary performed against inflation?

My salary has increased by approximately 285% since I started my first full-time job upon graduating from college in May 2006.

My wife's total compensation has increased by around 250% during the same period.
by supersharpie
Sun Dec 20, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: can i reasonably expect to retire at 62...
Replies: 36
Views: 5549

Re: can i reasonably expect to retire at 62...

With 70+ % in stocks as you approach retirement (with little margin for error), you are at the mercy of the stock market. A crash could drastically alter your plans. Really? Even if he only needs to generate ~$750 a month after his first three years of retirement? Even with a 2008 style crash I thi...
by supersharpie
Sun Dec 20, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: can i reasonably expect to retire at 62...
Replies: 36
Views: 5549

Re: can i reasonably expect to retire at 62...

bogleheads, please weigh in on my situation: 58 years old, single, currently maxing out 24k to 401k with 1k company match, also 6500/yr to roth; no pension, ss at 62 ~1800/mo, ss @ 65 ~1950/mo; 68k left on mortgage @ 3% (wont have it paid off till 66-67) job as IT consultant is 'somewhat' stable, b...
by supersharpie
Thu Dec 17, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: child d(x) potentially exclude from life ins
Replies: 29
Views: 3315

Re: child d(x) potentially exclude from life ins

When your child grows up and gets their own treatment and diagnostic as an adult, do you want to be remembered as the parent who interfered with their doctor's advice and risked their wellbeing? This has certainly happened to other parents. Yes, I don't think OP's son is going to be receptive to th...