Search found 390 matches

by dougger5
Sat Jun 20, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11065

Re: Should I sell my stash of dental floss now worth $3,000?

JeepDaze wrote:
Sat Jun 20, 2020 4:30 pm
adamthesmythe wrote:
Tue Jun 16, 2020 11:28 am
Then you'll be a dental floss tycoon

(cue Frank Zappa)
Lol. Love this.
Yep. Started playing in my head as soon as I read the title :happy
by dougger5
Sun Jun 14, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: OBD2 scanner?
Replies: 28
Views: 1705

Re: OBD2 scanner?

+1 for the blue tooth plug. I use the ELM 327 Mini along with the Torque app on my Android. I used it once to pull a code, and it worked just fine. Also gives you access to real-time readings - although I don't use those. There are different plugs depending on whether you use iOS or Android, and the...
by dougger5
Fri Jun 12, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: Why have our employers only offered mutual funds (and not stocks / bonds / ETFs)?
Replies: 34
Views: 1761

Re: Why have our employers only offered mutual funds (and not stocks / bonds / ETFs)?

Don't expect your employer to offer the exact investment you like any more than you should expect them to offer your exact favorite snack in the vending machine. Very well-put :beer Caused my transom so spawn numerous other examples; such as health care plans, computer platforms, room temperature, ...
by dougger5
Wed Jun 10, 2020 8:40 pm
Forum: Personal Investments
Topic: Banking CD rates vs Brokerage CD rates
Replies: 3
Views: 516

Re: Banking CD rates vs Brokerage CD rates

Well, 2 months ago the HY 1-yr at Ally was 2.0%. So in relative terms, the current 1.25% for the same account is rather disappointing, but a sign o' the times. And no, it's not *that* hard to get your money out...the break-even comes at 60 days. As to why brokered CD's are taking more of a beating.....
by dougger5
Tue Jun 09, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 41
Views: 3379

Re: northern Delaware versus southern NJ for retirement

go_mets wrote:
Tue Jun 02, 2020 6:48 pm
It seems that if I want to shop at Trader Joe's that there aren't in Delaware. :|

.
Looks like there's one in Wilmington
by dougger5
Tue Jun 02, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 41
Views: 3379

Re: northern Delaware versus southern NJ for retirement

I am quite familiar with Newark. What is it like further south? Middletown and points south ... Smyrna, Dover, etc? I will make a trip or two there but trying to gauge what it is like there. . Geologically, further south it's the Coastal Plain, whereas Newark is closer to the Piedmont (more hills, ...
by dougger5
Sun May 31, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 41
Views: 3379

Re: northern Delaware versus southern NJ for retirement

Wife and I kinda looking at Delaware as well. Anyone familiar with Newark, DE? I like the logistics of Amtrak, Philadelphia International, I-95, Atlantic Ocean, Chesapeake Bay, NYC & DC. We have family in Hershey, PA area, so appealing on the closeness too. We live in Florida now, both Pennsylvania...
by dougger5
Sun May 17, 2020 10:50 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10751

Re: Please tell me I'm not crazy [Best way to manage an EF?]

We're still in the process of building our EF. Our target is 6 months of expenses with total loss of income. We're currently at 6 months with loss of 1 income, 3 months total - so we're getting there. Up until recently, it's all been in an Ally high yield savings account. When rates started to drop,...
by dougger5
Tue May 12, 2020 8:16 pm
Forum: Investing - Theory, News & General
Topic: Reacting to low interest rates
Replies: 80
Views: 6085

Re: Reacting to low interest rates

Well, yesterday I got the email from Ally that I've been expecting for weeks: High yield savings interest headed south by 25 bps - which isn't as bad as I had been expecting. Nevertheless, it seemed like a good time to set up a CD ladder, before those things get knocked back. So that's what I did. T...
by dougger5
Sun May 03, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Can you transfer files without Wifi, bluetooth, cable?
Replies: 37
Views: 2080

Re: Can you transfer files without Wifi, bluetooth, cable?

I use Dropbox for sharing files between a PC and any other device.
by dougger5
Tue Apr 07, 2020 11:42 am
Forum: Personal Investments
Topic: How often do you add money to stock market?
Replies: 48
Views: 3452

Re: How often do you add money to stock market?

For work SIMPLE IRA, once a month until maxed; for Roths small weekly amount + larger monthly amount. I think we'll have to phase out Roths for 2020 due to income limits - although that's not a foregone conclusion, what with current and near term conditions. But if we do phase out the Roths we'll pu...
by dougger5
Fri Feb 21, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679320

Re: U.S. stocks in free fall

I hate it when people post on here that they hope the stock market will decline so they can buy on the cheap. The only reason any of us are investing is because we hope that the market will continue to go up. I rejoice every day that the S&P 500 goes up, and I am sad every day that it goes down. I ...
by dougger5
Mon Feb 10, 2020 4:14 pm
Forum: Personal Investments
Topic: VG won't allow dividend reinvestment in a particular ETF
Replies: 2
Views: 356

Re: VG won't allow dividend reinvestment in a particular ETF

I own EYLD/Cambria EM Shareholder yield at Vanguard, and I cannot reinvest dividends in it either. But it's not an anti-Cambria conspiracy. :beer There is a certain threshold of ownership required at Vanguard before a non-Vanguard ETF becomes eligible for dividend reinvestment. They want a big enou...
by dougger5
Mon Feb 10, 2020 3:25 pm
Forum: Personal Investments
Topic: VG won't allow dividend reinvestment in a particular ETF
Replies: 2
Views: 356

VG won't allow dividend reinvestment in a particular ETF

I recently added a few shares of Cambria Trinity ETF (TRTY) to my Roth. When I attempted to set the distribution election to "Reinvest," nothing happened when I clicked on the checkmark next to the holding. I sent a message to VG, and their response was, to paraphrase, "Yes, you are correct, you can...
by dougger5
Wed Jan 29, 2020 11:55 am
Forum: Personal Investments
Topic: Should I change my AA given my investing horizon?
Replies: 8
Views: 683

Re: Should I change my AA given my investing horizon?

You might consider fattening up the emergency fund before aggressively funding a taxable account, or at least in conjunction with same. Guidelines for amounts vary, but something like 6 months to a year of living expenses should suffice.
by dougger5
Sat Jan 11, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: Book Recommendation
Replies: 17
Views: 1261

Re: Book Recommendation

ChooseFI, by Mamula, Barrett, & Mendosa.

Reinforced some familiar themes for me with some fresh perspective. Learned of it from Bogleheads On Investing podcast #014 featuring one of the authors, Chris Mamula.
by dougger5
Sat Jan 11, 2020 9:06 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 243
Views: 17959

Re: 2020 Hedge Fund contest

Get 2 & 20. Die. Repeat. Fund

Long
FB - Facebook
NOC - Northrop Grumman
GE - General Electric
by dougger5
Fri Jan 10, 2020 9:27 am
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 81
Views: 10068

Re: 2020 Bogleheads Conference and Survey

One issue I may have to address is the strategy for including one's spouse, i.e., IS there a strategy. I've attended the last 3 conferences solo, but DW has expressed interest in attending the next one along with me. Is there a mechanism for doing this, or should I just plan on following up quickly ...
by dougger5
Wed Jan 08, 2020 1:19 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5424

Re: My Wishlist for Vanguard

. . . Aw xenial, ya got my hopes up. I looked at my Security Profile section, and I just see these options: Account permissions User name and password Security code Security key Computer access restrictions Security questions I did check each of those, just to see if the link was lurking within one...
by dougger5
Wed Jan 08, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5424

Re: My Wishlist for Vanguard

My "big" wishlist item is for them to accept biometric logon with the Android app. +1 It seems like every other app I have I can log in with my fingerprint, except Vanguard. I will say that I really love their mobile app, even better than Schwab or Fidelity. Vanguard is nice and simple. It gives yo...
by dougger5
Tue Jan 07, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5424

Re: My Wishlist for Vanguard

extend the idle time while logged in from my home computer before auto signing me out of my account. i actually like the website, it gives a clean view of all my accounts and is easy to navigate. You can already do that. Log on and select My Accounts / Account maintenance from the top navigation ba...
by dougger5
Mon Jan 06, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 81
Views: 10068

Re: 2020 Bogleheads Conference and Survey

Would it be possible to have some of the conference on the weekend? During the week is great for retirees and professionals with a flexible schedule. With the new "Bogleheads University" - it could target a younger audience that doesn't have the flexibility. Thanks! I agree. My comment for the surv...
by dougger5
Mon Jan 06, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Humidifier Installation - Using AC water line as water source
Replies: 18
Views: 1291

Re: Humidifier Installation - Using AC water line as water source

BTW - As this appears to be your first post,welcome to the bogleheads!
by dougger5
Mon Jan 06, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Humidifier Installation - Using AC water line as water source
Replies: 18
Views: 1291

Re: Humidifier Installation - Using AC water line as water source

Agree with others, and if this is indeed a cooling coil condensate line, water would only be available in the cooling season, when you wouldn't generally be humidifying. And as others have noted, it wouldn't be suitable in any case due to water quality issues. Also agree that running water into the ...
by dougger5
Sun Jan 05, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679320

Re: U.S. stocks in free fall

CoastalWinds wrote:
Sun Jan 05, 2020 2:08 pm
Me thinks this thread is about to get very active starting on Monday 1/6/2020.
If so, good: I restarted automatic Roth contributions until 4/15/2020 after figuring out last year's MAGI. First one is tomorrow :beer
by dougger5
Sun Jan 05, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5424

Re: My Wishlist for Vanguard

My "big" wishlist item is for them to accept biometric logon with the Android app.
by dougger5
Sat Jan 04, 2020 1:29 pm
Forum: Personal Investments
Topic: Vanguard Account Links
Replies: 11
Views: 1455

Re: Vanguard Account Links

The person I spoke with yesterday said it can't be done because my.vanguardplan.com is a separate website from vanguard.com. As someone who has been writing enterprise scale software for 30 years, I'm pretty sure that is a bad answer. The person I spoke with today on another matter mentioned that I...
by dougger5
Sat Jan 04, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contributions and Imputed income on W-2
Replies: 16
Views: 757

Re: Roth IRA contributions - keeping track?

https://www.irs.gov/pub/irs-pdf/p590a.pdf This is the IRS publication on the matter, though from 2018 and out-of-date as it is pre the new SECURE act. Page 6 of 61 shows: "Wages, salaries, etc. Wages, salaries, tips, professional fees, bonuses, and other amounts you receive for providing personal s...
by dougger5
Sat Jan 04, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contributions and Imputed income on W-2
Replies: 16
Views: 757

Re: Roth IRA contributions - keeping track?

https://www.irs.gov/pub/irs-pdf/p590a.pdf This is the IRS publication on the matter, though from 2018 and out-of-date as it is pre the new SECURE act. Page 6 of 61 shows: "Wages, salaries, etc. Wages, salaries, tips, professional fees, bonuses, and other amounts you receive for providing personal s...
by dougger5
Sat Jan 04, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contributions and Imputed income on W-2
Replies: 16
Views: 757

Re: Roth IRA contributions - keeping track?

I'll take a crack at a few, with the usual disclaimer that I'm not a CFP nor an accountant: 1. W2 counts as an IRA-qualifying income whether it comes from earnings or other accounting mechanisms, such as imputed income. Please confirm. Not 100% sure, but I suspect that any amount in Box 1 would coun...
by dougger5
Sat Jan 04, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 250
Views: 26513

Re: 2019 Hedge Fund Contest

Say, is there a 2020 contest in the works? I've been keeping an eye out for the thread.
by dougger5
Thu Jan 02, 2020 6:24 pm
Forum: Personal Investments
Topic: Rollover SIMPLE IRA to 401(k) to avoid pro rata
Replies: 5
Views: 302

Re: Rollover SIMPLE IRA to 401(k) to avoid pro rata

Thanks, I am unfamiliar with the SIMPLE IRA. So much to learn at Bogleheads! The 2-year period begins on the first day on which your employer deposits contributions in your SIMPLE IRA . Indeed there is! It was here that I learned about setting up a "frozen" SIMPLE IRA to make monthly transfers to V...
by dougger5
Thu Jan 02, 2020 6:03 pm
Forum: Personal Investments
Topic: Rollover SIMPLE IRA to 401(k) to avoid pro rata
Replies: 5
Views: 302

Re: Rollover SIMPLE IRA to 401(k) to avoid pro rata

ExitStageLeft wrote:
Wed Jan 01, 2020 11:40 pm
Is there a required two-year wait prior to the rollover?

https://www.irs.gov/pub/irs-tege/rollover_chart.pdf
Her SIMPLE is > 2 years old.
by dougger5
Wed Jan 01, 2020 11:44 am
Forum: Personal Investments
Topic: Rollover SIMPLE IRA to 401(k) to avoid pro rata
Replies: 5
Views: 302

Rollover SIMPLE IRA to 401(k) to avoid pro rata

DW and I each have at Vanguard a rollover IRA, Roth IRA, and SIMPLE IRA. In her case, her SIMPLE is the "frozen" type, having had assets transferred in regularly from her American Funds-based employer SIMPLE. My SIMPLE is my employer's plan, based in VG from the start. Starting today, her employer i...
by dougger5
Mon Dec 30, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization calculator where payment applied to principal before interest?
Replies: 9
Views: 368

Re: Amortization calculator where payment applied to principal before interest?

Why would you want to have such a calculation method? How would or could this be useful - since lenders today calculate interest first - then principal credited to the loan balance? The lender for my car loan allows an extra principal payment each month, which if I take at face value, means that it...
by dougger5
Thu Dec 12, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site feature "Balances Over Time" has disappeared
Replies: 6
Views: 910

Re: Vanguard site feature "Balances Over Time" has disappeared

Isn't there a variation on this under Performance? I think you're referring to the tab on the intro summary screen. Yes, it is sort of like the missing one, but it's for the whole portfolio. I like isolating different accounts and different holdings, especially since a large part of the total portf...
by dougger5
Thu Dec 12, 2019 8:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site feature "Balances Over Time" has disappeared
Replies: 6
Views: 910

Vanguard site feature "Balances Over Time" has disappeared

Tonight I did my usual login > My Accounts > Balances & Holdings routine. In Balances & Holdings, the "Balances over time" tab is no longer there - just "Current balances," "Balances compared to year-end," and "Balances by date." Anyone else experiencing this? In any case, I hope it's a temporary ab...
by dougger5
Tue Nov 26, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 138
Views: 14939

Re: Schwab acquiring TD Ameritrade

One major concern I have: Is Jim Conroy's job in jeopardy?
by dougger5
Tue Oct 29, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14232

Re: Apple Pay. Does anyone use it?

I use Google Pay whenever I can - essentially identical service on the Android. Same reasons as stated hereinbefore - more secure, and has saved me a couple times; e.g. when I forgot to bring my wallet to work, and when procrastination catches up with me and I have to get gas while dressed for the g...
by dougger5
Mon Oct 28, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Vanguard Web Site Interface
Replies: 15
Views: 1503

Re: Vanguard Web Site Interface

Ah. Good, so it's not just me.
southerndoc wrote:
Mon Oct 28, 2019 7:49 pm
Probably just a glitch. Likely will be back to normal tomorrow.
+1
by dougger5
Fri Oct 11, 2019 6:54 am
Forum: Personal Investments
Topic: Filling out annual SIMPLE IRA contribution form with catch-up
Replies: 2
Views: 281

Re: Filling out annual SIMPLE IRA contribution form with catch-up

Why not talk to or send a note to HR or whoever does the SIMPLE IRA bookwork ahead of time and give them a heads-up? The Form 5305 you filled out stays with the employer (is not sent to the IRS) so it's an office problem, not a vendor or IRS problem. I did. It seems like a novel situation for them,...
by dougger5
Thu Oct 10, 2019 8:27 pm
Forum: Personal Investments
Topic: Filling out annual SIMPLE IRA contribution form with catch-up
Replies: 2
Views: 281

Filling out annual SIMPLE IRA contribution form with catch-up

For those who have the maximum plus some or all of the 50+ catch-up amount deducted from salary, did you need to provide any annotation aside from the selected percentage when filling out the form? I'm being told that in addition to the percentage (chosen to ensure I max out and take maximum catch-u...
by dougger5
Sat Sep 07, 2019 10:50 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 728

Re: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

dayzero wrote:
Sat Sep 07, 2019 10:37 am
Is this logically different from a company holding shares of itself in its treasury?
Hmm...you may have a point there, at least in an abstract sense. I'm not sure it's exactly the same, but I do see a sort of self-referential aspect to that too.

But again...just 2 shares...why even bother?
by dougger5
Sat Sep 07, 2019 10:39 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 728

Re: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

whodidntante wrote:
Sat Sep 07, 2019 10:31 am
I think Vanguard is trolling us.
Ha! Yes, either that, or just waiting for that special someone to discover the Golden Discontinuity Easter Egg.

That black limousine should be pulling up at any moment now...
by dougger5
Sat Sep 07, 2019 10:29 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 728

Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

I occasionally browse through the holdings of my various ETFs and mutual funds. I particularly like to sort on market value, lowest to highest, to see what holdings lurk at the "bottom of the barrel." Today I did that with Vanguard Total International Stock ETF (VXUS). The first bit of amusement was...
by dougger5
Tue Aug 20, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679320

Re: US Stocks in Free Fall thread

Following is easy - just go to the thread, click on the little wrench icon, and select "subscribe topic." But I'm not certain why you would want to, as just seeing it listed at/near the top occasionally seems to bring you some level of discomfort.
by dougger5
Sat Aug 03, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6741

Re: Dentist: Is this acceptable?

I find that rather odd as well.

At the least, I would examine the EOB (Explanation Of Benefits) very closely. If there's anything beyond the cleaning, es no bueno.
by dougger5
Wed Jul 31, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 17498

Re: What is your hobby and how did it come to be your hobby?

1. Another musician :happy In order of proficiency: Guitar, Bass, Keyboard; with Keys being a distant 3rd. Played out back in the 90's, but these days it's strictly recording. My stuff is on Spotify and other outlets...I probably make about $30.00 a year from that enterprise. I generally track mysel...
by dougger5
Thu Jul 04, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 6658

Re: How do you brace for impact?

JoMoney wrote:
Thu Jul 04, 2019 11:35 am
The birds in the sky don't save up or harvest, yet they endure through seasons good and bad...
Survivorship bias?

:D