Search found 338 matches

by vectorizer
Sun Mar 19, 2017 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 13157

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

<geek> In my transition from engineering to programming, my first big assignment was to augment a Fortran compiler to discover DO loops in source code that could be implemented as a single vector op codes, rather than a set of scalar op codes with test and branch op codes. That process was called &q...
by vectorizer
Fri Jan 27, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1437

Re: retirement thanks

2015 wrote: I for one deeply appreciate the contribution you've made in protecting my assets held with Vanguard.

Thank you, that's nice of you to say.
by vectorizer
Fri Jan 27, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1437

Re: retirement thanks

Now that you are a civilian, what do you recommend for consumers' best practices for internet security regarding connecting to financial systems? Nothing you haven't heard before, this is just off the top of my head: ⋅ Sign up for email or text message notification of transactions ⋅&...
by vectorizer
Fri Jan 27, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1437

Re: retirement thanks

k66 wrote:You said that you retired from Vanguard though?

Yes, I worked at Vanguard for almost 20 years, mostly web site security. Had to bite my lip quite a few times when comments were made here about Vanguard security.
by vectorizer
Fri Jan 27, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1437

retirement thanks

I've been a member of this forum for almost 10 years, and for several years before that at the precursor Morningstar group. A frequent reader but a rare poster, I've learned a lot from the group. More than any one particular subject, this community has been most valuable to me to reinforce the gener...
by vectorizer
Wed Jan 25, 2017 9:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7813

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday Taylor! Thank you for everything you've done for the group.
by vectorizer
Thu Oct 06, 2016 2:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hurricane Matthew
Replies: 61
Views: 6132

Re: Hurricane Matthew

We will be praying for your safety and for all Floridians threatened by this storm.
by vectorizer
Mon Aug 22, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 5098

Re: Tips for a 1000 miles car trip with toddler and baby

I'm also surprised at the amount of negativity in many of the responses here. Obviously it all depends on your kids for what works and what doesn't, and a lot of that is just whether you're lucky to have kids with good dispositions. You won't really know for sure till you make the trip, and you'll p...
by vectorizer
Thu Jun 23, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 6306

Re: Should I express my inheritence thoughts to my father?

[Naked link removed by moderator prudent]
by vectorizer
Tue May 31, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 10302

Re: Would you pay 6x face value to see Hamilton on Broadway?

gasman wrote: I did in fact pay up to see Hamilton six month ago on a trip to NY. only paid about $450 per ticket on a Tuesday night.

In retrospect, was it worth it?
by vectorizer
Tue May 31, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 10302

Re: Would you pay 6x face value to see Hamilton on Broadway?

No, that's way way over my spend limit. Hamilton has gone into brag-to-your-friends territory; I'm sure there are people going who don't give a darn about seeing any Broadway musical and are just going for the "prestige". The biggest premium I've paid was about 60% over face, for the origi...
by vectorizer
Thu Apr 21, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 9863

Re: How To Stay Motivated in Employment When You Might Have Enough?

If you have---or you think that you have---enough (whatever that amount may be), how do you stay motivated to keep working? Or should you even keep working? I ask because I've recently been experiencing serious motivational problems. In short, as I see our net worth increase, my desire to get up in...
by vectorizer
Thu Apr 07, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: what are the implications of claiming my significant other as a dependent?
Replies: 34
Views: 2709

Re: what are the implications of claiming my significant other as a dependent?

I searched the FAFSA form and there doesn't seem to be anything about a student being claimed or not claimed as a dependent. Everything is geared towards the student and the student's parents. I could have missed something, but I don't think so. FASFA indeed doesn't care what the dependent claiming...
by vectorizer
Tue Mar 29, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 7743

Re: What is your current Cash to Investment ratio?

0:100, to 3 significant digits
by vectorizer
Wed Jan 27, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2666

Re: Best Netflix/YouTube interface for the Big Screen?

Originally got the PlayStation 3 in 2007 because it was the best value Bluray disc player available at the time; the gaming console part was a "free" bonus. As the platform evolved, we use Netflix, Amazon, and VUDU streaming apps from the PS3, and their interfaces are fine as well as havin...
by vectorizer
Tue Jan 26, 2016 8:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 5765

Re: Happy Birthday Taylor!

Happy Birthday Taylor!
by vectorizer
Mon Jan 25, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 8996

Re: Most anticipated retirement purchase

Miriam2 wrote:T I M E -

{...
11 items
...}

I could go on and on - but you get the picture! This is my most anticipated retirement "purchase." :happy

Geez, Miriam, I know I shouldn't be reading Bogleheads at work, but it's even worse when my eyes get watery. :happy
Nice list.
by vectorizer
Thu Jan 07, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 11797

Re: Savings % Target 2016?

If I retire, 0%
by vectorizer
Mon Jan 04, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 6366

Re: How do you have fun?

Amateur radio. I started two years ago, after putting it on hold for 40 years. Lots of different ways to enjoy the hobby.

And it's a good offset to all your healthy physical hobbies. :-)
by vectorizer
Thu Dec 10, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone else freaked out about the whistleblower cases against Vanguard?
Replies: 11
Views: 2237

Re: Is anyone else freaked out about the whistleblower cases against Vanguard?

See very long thread here:
viewtopic.php?t=143686

Also the Fortune article writer doesn't seem to understand that the recently-dismissed lawsuit in NY was the whistleblower lawsuit in question, not "similar".
by vectorizer
Thu Dec 10, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Paychex 401k with Fidelity, wanting to end Paychex service
Replies: 9
Views: 1727

Re: Paychex 401k with Fidelity, wanting to end Paychex service

Since this is a Vanguard-oriented forum, here's the Vanguard small plan offering, though I don't know if it's really a substitute for the Paychex service:

Vanguard small defined contribution plans
by vectorizer
Wed Nov 18, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 3939

Re: NYC in early December

JCP7 wrote:Hotels that friends or relatives have stayed in:
Park79 http://www.park79hotel.com Right near the Museum of Natural History and Central Park, close to two subway lines


At $500 /night, not sure that qualifies as a lower priced hotel for most of us who are not Manhattanites. :?
by vectorizer
Wed Nov 18, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 3939

Re: NYC in early December

There is no lower priced decent hotel in Manhattan. Our family of 5 made a habit to stay in one of the suite hotel chains in the Harmon Meadow development near Secaucus NJ. There's a nice bus that loops around the area and drops off at the Port Authority Bus Terminal in midtown, a couple blocks from...
by vectorizer
Wed Nov 18, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 11341

Re: Are Subarus reliable?

Not mine. 2007 Legacy GT. Subarus have a very good reputation, but mine has been bad, both in and out of warrantee.
by vectorizer
Tue Nov 17, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: College expenses, 529 accounts and college loans
Replies: 18
Views: 1251

Re: College expenses, 529 accounts and college loans

Thanks vectorizer! I'm inclined to think my "scheme" is not worth pursuing, but I'll give it the old college try..haha..and crunch some numbers when the time nears for college. I didn't mean "scheme" as a pejorative. I use the term for some of my own semi-clever financial moves.
by vectorizer
Tue Nov 17, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: College expenses, 529 accounts and college loans
Replies: 18
Views: 1251

Re: College expenses, 529 accounts and college loans

If I could get a loan and do a qualified 529 withdrawal in the same year and can get away with investing the loan money, say in a fixed instrument then that loan money will be accruing interest over time. It'll be like a 0% loan if the loan's interest does not begin accruing until after graduation ...
by vectorizer
Tue Nov 17, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: College expenses, 529 accounts and college loans
Replies: 18
Views: 1251

Re: College expenses, 529 accounts and college loans

To get the 529 tax benefits, you can only offset 529 withdrawals with college expenses incurred in the same tax year as the withdrawal. Paying off a college loan in some other year cannot be used for a qualified 529 withdrawal. OTOH, loans don't "count" as an offset to college expenses for...
by vectorizer
Mon Nov 02, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 53
Views: 8019

Re: I-Savings Bonds

How often do you purchase I-Savings Bonds? Also, what is your primary use for them? I.e. - extended emergency fund, bond allocation, etc. Once a month at end of month, automatic $1500 via TD. Six months to my account, then six months to my wife's account. We put an extra $1000 each in on the month ...
by vectorizer
Fri Oct 09, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: misusing 529 plan
Replies: 19
Views: 2365

Re: misusing 529 plan

We got CP2000 forms from the IRS twice in regard to 529 withdrawals. (CP2000 is a proposed change to taxes owed based on a discrepancy between what's reported on a taxpayer's return and what the IRS has on file.) When I surveyed online forums, it seems to be fairly common for 529 owners to be questi...
by vectorizer
Thu Oct 01, 2015 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying a bank owned house, how to do it?
Replies: 4
Views: 598

Re: Buying a bank owned house, how to do it?

The bank made it be known that that the house was sold "as-is" and that it wouldn't make any concessions (monetarily or other wise) to anything found during the inspection. In my initial purchase agreement, my offer was contingent upon the house passing my inspection (with the full knowle...
by vectorizer
Mon Aug 31, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 15909

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

GnuCash is my backup plan. A few years ago when I was annoyed at Quicken, I tried to convert. After seeing that it wasn't trivial (the Quicken transactions imported fine but the GnuCash double-entry bookkeeping meant I had to think about adjustments and catch-all accounts), I went back to Quicken. B...
by vectorizer
Mon Jul 27, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 2876

Re: Zions, Bryce, Grand Canyon Late March

We did almost exactly that plan two years ago, with 2 old folks (me and DW) and 4 kids & young adults, only in reverse. Used a Globus Tours family package tour, so Globus did all the planning and driving. That way Dad got to enjoy himself and not have to be the bad guy forcing the family to stic...
by vectorizer
Thu Jun 25, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 35177

Re: What ratio are you stocks/bonds and how old are you?

57 YO, 56/44 in January after rebalance.

For the last 8 years or so, been getting 2 points more conservative per year, then at 60 (50/50) plan to get 1 point more conservative per year.
by vectorizer
Tue Jun 02, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 69222

Re: Free Windows 10 Upgrade, Yes or No?

Oh great! I have 492 CDs ripped lossless in my Windows Media Center. Hope I can find a good replacement, as I use WMC to stream music around the casa. Consider converting to open codec FLAC that's not subject to the whims of Microsoft (or Apple). I use dbPowerAmp for conversions and ripping, but th...
by vectorizer
Wed May 20, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 18570

Re: How much does social security factor into your retirement income?

My plan is to self-fund retirement until 70 (for about 10 years, starting 3 years from now) using a bond ladder purchased at retirement, and then take the SS benefit at 70 as well as annuitize a significant portion of my remaining nest egg. The estimated SS payment starting at 70 should be a comfort...
by vectorizer
Fri Jan 09, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Best family friendly east coast resorts
Replies: 8
Views: 1462

Re: Best family friendly east coast resorts

If you want to go north, Smugglers Notch VT is almost as far straight north as you can get from the Keys without crossing a border. We've gone there for family vacations pretty regularly in the summer every couple of years, though obviously it's primarily a winter vaction place. Great all-day kids p...
by vectorizer
Mon Nov 17, 2014 1:50 pm
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 76
Views: 9727

Re: Could you rent out your house?

Here's why a room near the Parkway is worth $1000/night. It's like a room on Times Square on New Years Eve, x10. Aerial shot from the last papal visit to Philly in 1979:

http://media.philly.com/images/pope002.jpg
by vectorizer
Fri Oct 24, 2014 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1655

Re: Marginal Tax Rate on Dual Income Couple

It gets even more complicated considering the roll-off and elimination of various credits and deductions. The tax table is just a rough estimate. For "middle" incomes (any income not very low or very high), marginal tax rates are practically impossible to calculate by pencil. Only a compli...
by vectorizer
Thu Oct 23, 2014 2:50 pm
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 3391

Re: TSA

there are always 2 or 3 TSA agents there. Everyone I have dealt with has always been professional, Are we still talking about the Philly airport? They are some of the least professional TSA personnel in the system, generally matching the professionalism of the rest of the airport personnel. (I am f...
by vectorizer
Thu Sep 25, 2014 8:36 am
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 8447

Re: What did you always wish for but never got?

Normal, healthy, happy kids who grow into well-adjusted self-sufficient adults.
Fingers crossed for the third and last one.
by vectorizer
Thu Sep 25, 2014 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 33
Views: 9507

Re: Backdoor Roth Step By Step

How do I "convert" the traditional IRA to a Roth IRA on the Vanguard website? I have already opened and funded the TIRA account; My guess is that you'd use the new account process to open the Roth IRA. When you get to part of the process about funding the new account mutual fund(s), one o...
by vectorizer
Wed Sep 17, 2014 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 2873

Re: How do you store your electronic account statements?

First, backup of computer files in general is a topic that comes up here pretty regularly. You may want to search for long threads on the subject. But, to answer your question (which is unlikely to be the right answer for YOU): I generally download and reconcile most account financial statements qua...
by vectorizer
Sat Aug 30, 2014 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 6499

Re: Anyone used Vanguard Flagship Services With Portfolio $1

It's nice to have a single highly-qualified person to contact, and as someone else said, that might be especially valuable if my spouse has to take over financial matters. When I first qualified, I got a financial plan with a lot of details and a personal conversation with an adviser. Gave me some t...
by vectorizer
Mon Aug 25, 2014 11:34 am
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 103
Views: 15528

Re: Subaru Blues

Been contemplating the purchase of a new vehicle and considering the Subarus. Just learned of an acquaintance who owns one that is 2 years old with 19K miles (sedan, not sure which model). Seems that while driving, the dash status lights all lit up and began flashing and the steering went fuzzy. Sh...
by vectorizer
Tue Aug 12, 2014 1:46 pm
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 6650

Re: How do you address your inlaws and being addressed?

Wow, I thought I was the only one with discomfort in this area. I had always addressed my now-FIL as Mr. {FIL last name} from when I first met him. Some months after my Dad died, he said he was hurt that I did not call him "Dad". That was pretty weird after my own Dad died. As a couple oth...
by vectorizer
Wed Jul 02, 2014 1:50 pm
Forum: Personal Consumer Issues
Topic: How risky is https: over public wi-fi?
Replies: 15
Views: 2771

Re: How risky is https: over public wi-fi?

Yes, generally you're fine if you see a lock symbol and the URL starts with https. Your communication is encrypted by the browser and stays encrypted all the way to the server to which you're connecting, including being encrypted over the otherwise-untrustworthy WiFi hop. As an extra precaution, dou...
by vectorizer
Wed Apr 30, 2014 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 17058

Re: Did you tell anyone you paid off your mortgage?

Of the relatives/friends who have paid theirs off - they haven't blantantly advertised their accomplishment, but when they go from driving a very old used car to driving "new" used vehicles, buying expensive bling and going on vacations three times a year you kind of figure it out (and it...
by vectorizer
Wed Apr 30, 2014 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 17058

Re: Did you tell anyone you paid off your mortgage?

Guess I'm an outlier, I posted on Facebook (to only my FB "friends") with a picture of the mortage satisfaction paragraph, labeled "debt-free for the first time since 1974". Didn't occur to me that anyone would consider it bragging, just seemed like a life milestone that I would ...

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