Search found 110 matches

by Bonnan
Sat Feb 17, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3379

Re: Selling Timber

Please contact your State Service Forester BEFORE entering into any any agreements. They offer a wealth of information with out a conflict of interest. In the timber business the logging company holds many more cards than you do. They naturally have an edge even if they are decent honest workers but...
by Bonnan
Sun Jan 21, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question re 2018 tax rates
Replies: 13
Views: 1892

Re: Question re 2018 tax rates

What is your reference claiming an "adder" for over 65 standard deduction? My sources say there is none; are they incorrect?
by Bonnan
Thu Jan 11, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Chained CPI Impact
Replies: 8
Views: 1136

Chained CPI Impact

With the new tax bill revising how the CPI is calculated; will this impact the future performance of the VIPSX Inflation Protected Securities Fund?
by Bonnan
Wed Jan 03, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 7089

Re: Did everyone in the early 80s have their money in CDs?

I remember the 1980's very, very well. I turned 45 in 1980, lost a very job when the steel industry was closing down. Rolled over my qualified profit sharing into a high rate IRA annuity for 25 years or until I was age 70. We now live comfortably in retirement.
by Bonnan
Thu Dec 21, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard can only withhold 99% from RMD?
Replies: 18
Views: 1870

Re: Vanguard can only withhold 99% from RMD?

Sport, I've annually had a specific dollar amount withheld for FIT purposes. In fact i have never done percentages. Maybe I have an inside contact; no just kidding.
by Bonnan
Tue Oct 31, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: More Bogleheads 2017 pictures
Replies: 17
Views: 3499

Re: More Bogleheads 2017 pictures

Nice work Gene, thanks a million for contributing so much time to the event.
Jim B
by Bonnan
Sat Oct 28, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Roth IRA for children
Replies: 38
Views: 4573

Re: ROTH IRA for children

Stealthrabbitt, How did the kids have earned income with a W2? Please clue me in.
by Bonnan
Mon Oct 23, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 34214

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Just another super run conference. I was able to enjoy an immense satisfaction with my grandson attending this year. He confirmed his Boglehead "membership" by bringing a first timer. Let's hope that Jack's health holds for next conference in 2018 and I did miss Taylor and Gail Cox from the committee.
by Bonnan
Fri Jul 14, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 5441

Re: Do you keep a balance in your settlement fund?

We have an upgraded brokerage platform; tax-deferred and taxable accounts. One account is used as a checking account only with VMLTX the sole Fund. Works great for us. Never more than a few dollars in the settlement fund.
by Bonnan
Wed Jul 12, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 3226

Re: Outside Pittsburgh short trip ideas

Consider a trip to north to Mercer/Larence counties; Amish area .
by Bonnan
Mon Jun 26, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 10397

Re: Slide rule anyone?

This thread sure does bring back memories. 1958 graduate of Univ Cincinnati, have 2 or 3 SR's along with all my books from college. I worked for the company that built the St Louis arch, various space test facilities and nuclear containment vessels all prior to 1965. All destined with a slide rule a...
by Bonnan
Fri May 26, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 6912

Re: Septic Pumping - Did I get ripped off?

Please tell me what you all flush down the drain besides human waste that requires pumping every three years? The 3 year pumping practice is the lowest common denominator for very most inefficient practice hence the rational for local ordinances. Theoretically a proper designed system will function ...
by Bonnan
Fri May 05, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Recommended Washer/Dryer Set
Replies: 25
Views: 3206

Re: Recommended Washer/Dryer Set

We finally gave up on our 31 year old Speed Queen...........bought another, of course.
by Bonnan
Tue May 02, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 4857

Re: buying dining table is hard

The Amish furniture industry is flourishing in Indiana, Ohio and Western Pennsylvania. Lancaster also as was posted earlier. Individual shops everywhere making custom design and spec furniture. Oak, maple,poplar, hickory etc woods. Top notch quality that will last generation. Troyer Woodworking (Nea...
by Bonnan
Sat Jan 14, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 10508

Flagship Reps

Say good by to a dedicated rep unless you have 5M or greater in the account. 1M is no longer enough as they are raising the bar.
Just another notch down in customer service.
by Bonnan
Fri Jan 06, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 14824

Re: Bogle worried Vanguard is getting too big

We've been Flagships clients for many years; never had a problem reaching rep or receiving quick service. The last couple of years have been no different then 10-12 years ago. But I do wonder if they haven't reached the point of "diminishing returns" regarding costs. The trend line must go asymptoti...
by Bonnan
Mon Dec 05, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: RMD vs 4% when Most of $$ in IRAs ?
Replies: 4
Views: 776

Re: RMD vs 4% when Most of $$ in IRAs ?

You must take the RMD per one of the Tables Appendix B in IRS publication 590.
It will vary according to your age.
by Bonnan
Sat Nov 19, 2016 9:06 pm
Forum: Investing - Theory, News & General
Topic: What does a bond bear market look like?
Replies: 91
Views: 11865

Re: What does a bond bear market look like?

This recent jump in yields is nothing compared to the 1970's. I've been investing since the late 1950's, that is close to 60 years. Interest rates rose for 20 plus years until 1980/81 and then they dropped for 35 years. One bear and one bull market in bonds in my adult life. If your concerned after ...
by Bonnan
Wed Nov 09, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 5337

Re: Wife's Colleague Scratched our car with his car

For $25/30 you can buy pro materials and diy. There are situations that occur in life for which there are no remedies. God helps them who help themselves.
by Bonnan
Tue Jul 26, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: Another look at corporate bonds
Replies: 209
Views: 18275

Re: Another look at corporate bonds

Amen mptfan! I'm nearing the end of a 60 year investment time frame and have done well taking that so-called risk in bonds.
by Bonnan
Sat May 14, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 9335

Re: "CAN ANYTHING STOP VANGUARD?"

Amen Clearwater and a long, long time Vanguard investor like myself is actively considering moving a least partially away from Vanguard. Maybe others are also; I can't be the only one. It just might be the beginnings of a slow down. Further I've seen many sure things turn south in my long life so I'...
by Bonnan
Wed Apr 20, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: Concerns of US Debt
Replies: 9
Views: 1314

Re: Concerns of US Debt

Study history and show me one country that had ever increasingly higher debt. What was the ultimate out come? In the 50's our GDP was 40% of the world, what is it now? This country was a creditor nation up until the 1970's and recovered relatively quickly after recessions. That is not happening now....
by Bonnan
Sat Apr 09, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 4949

Re: Honda Odyssey

Waited for Honda to build a full size mini-van during the 90's. Bought the 200O LX, still drive it. Original transmission, original timing belt and in fact original everything except what we broke. Engine uses no oil; take care and they last. Son/DIL bought 2003 with six kids, beat the liven' day li...
by Bonnan
Wed Apr 06, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Your 2014 1099-DIV has been amended"
Replies: 13
Views: 2346

Re: Vanguard "Your 2014 1099-DIV has been amended"

Yep, I got one too! So what is actionable? Where does I start? I already have redone my taxes multiple times; are more corrections coming?
by Bonnan
Sun Apr 03, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another tax question
Replies: 1
Views: 394

Another tax question

I've always done my federal taxes; the only use forms 1040,D, and 8949 in the past. This year for the first time there is income reported on my 1099-Div Box 3 (Nondividend distributions). What do I do with this? Thanks in advance for any help.
by Bonnan
Tue Mar 29, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 2402

Re: Binoculars for Birding Boglehead-wise

Stay with the Eagle Optics 8x42..............it is the sweet spot of glasses. I've been birding for 68 years and seen 3 or 4 companies command the market place. Today it Eagle Optics for the middle class.
by Bonnan
Tue Mar 29, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 154
Views: 40011

Re: Experience with Honda airbag recall?

No problem, made appointment and it took less than one hour. in and out.
by Bonnan
Sun Mar 20, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: The Evergreen RMD reinvestment strategy
Replies: 12
Views: 1755

Re: The Evergreen RMD reinvestment strategy

What am I missing Dave? Ordinary dividends are also included in the SS calculation and for someone who is IRA poor using tax-exempt bonds in TA to avoid moving into the 25% bracket might be considered.
by Bonnan
Mon Mar 14, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: "restricted and purged" aka my VG Brokerage experience
Replies: 56
Views: 9497

Re: "restricted and purged" aka my VG Brokerage experience

Hey dbr, I have one of those 1 centers! Prudential-Bache dated 6/23/90. I've been with Vanguard since the '80's and elected to convert in Nov 2014. It did go smoothly after some work around by the rep. My advice to those who own only mutual funds............. don't do it! There is no advantage and t...
by Bonnan
Fri Jan 15, 2016 1:42 am
Forum: Personal Consumer Issues
Topic: Car Buying Negotiation
Replies: 17
Views: 5922

Re: Car Buying Negotiation

In a some states like Pennsylvania if one sells their car privately and does not trade; they must more than off set the added sales tax. The buyer pays sales tax on the total price of new car; on a trade in they pay only the difference. I think this is sometimes overlooked.
by Bonnan
Mon Dec 21, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: RMDs - ROTH Conversion Timing/
Replies: 16
Views: 1487

Re: RMDs - ROTH Conversion Timing/

Doc, I completed my RMD by taking random distributions through out the year on Dec 17th. From now until Dec 31 I'll convert additional amounts into my Roth. Timing, if that what the IRS wants that what they get. When paying taxes I shutdown my logical brain.
by Bonnan
Mon Dec 14, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA choices
Replies: 3
Views: 660

Inherited IRA choices

I am reading IRS publication 590-B trying to understand and then advise my spouse her choices if I should die first. As I see it she can either (1) treat it as her own by being the account owner or (2) treat herself as the beneficiary. What is the difference? Does she use the same table for calculat...
by Bonnan
Sat Dec 12, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Clone
Replies: 7
Views: 1998

Re: Wellesley Clone

Sorry FF, my use of the word "clone" is missed used. Perhaps "replicate" would be better. The AA of the Tax Managed Balanced Fund is different than Wellesley but thanks for the post.
by Bonnan
Fri Dec 11, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 48
Views: 20834

Re: Anyone Switched to Vanguard Account Upgrade?

I requested an upgrade in Nov 2014; it went smoothly. My rep implemented a dedicated account to facilitate my wife's request concerning check writing. Also looking forward to receiving consolidated 1090's for the 2015 tax year as it should make tax filing less complex. Will note that we are note fre...
by Bonnan
Fri Dec 11, 2015 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Clone
Replies: 7
Views: 1998

Re: Wellesley Clone

Thank you David and Duckie. You all confirmed the bonds funds that I had targeted and in my case that would be Pa Long Term Tax Exempt; duration is very similar. Using Large Cap Value I did a comparison on Vanguard site and that will work. Thanks again.
by Bonnan
Fri Dec 11, 2015 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Clone
Replies: 7
Views: 1998

Wellesley Clone

We all know Wellesley is not tax-efficient. What two funds and only two would most replicate W in a taxable account?
by Bonnan
Tue Dec 01, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially identical Funds
Replies: 3
Views: 1160

Substantially identical Funds

How can one find out which Vanguard funds are "substantially identical" and which are not? For TLH purposes I want to sell VFIAX & VPCCX and then but VIMAX before Dec 31st.
by Bonnan
Tue Dec 01, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: Original Mattress Factory
Replies: 21
Views: 3422

Re: Original Mattress Factory

For the average consumer they are #1 from my first hand experience and opinion.We've bought 3 or 4 and have been quite satisfied.
The employees (in the Pittsburgh area) seem very content and do their job with sincerity and honesty.
by Bonnan
Fri Nov 13, 2015 10:57 pm
Forum: Investing - Theory, News & General
Topic: My friend is hoarding cash. What do you say?
Replies: 78
Views: 12003

Re: My friend is hoarding cash. What do you say?

This thread reminds me of the book written in '80's entitled, "How to Prosper During the Coming Bad Years?" A multi prong approach hoarding food,clothing, guns, ammo, cash, gold etc if I remember correctly. Can't remember the authors name.
by Bonnan
Thu Nov 12, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: Concrete Driveway Sealers
Replies: 14
Views: 2275

Re: Concrete Driveway Sealers

To answer your question: acrylics can be slippery as they form a film on top. I've decided to go with the very best which is a deep penetrating siloxane type. Mfg says it is good for 7 to 10 years; guess I'm the lazy type and don't ever plan on doing it again (Doc says I only have 10 years to live)..
by Bonnan
Wed Nov 11, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Concrete Driveway Sealers
Replies: 14
Views: 2275

Concrete Driveway Sealers

What is the consensus on the value of having either a penetrating or topical sealer applied to newly poured concrete? Which type is more widely used? Has anyone done it themselves rather than hiring a contractor? What are some precautions or limitations of these materials? Geographically I'm talking...
by Bonnan
Wed Oct 14, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 149341

Re: interesting paper, arguing Vanguard should be taxed

[removed OT comments in apparent response to question "If Vanguard investors are benefiting at the expense of other taxpayers who don't use Vanguard is that really fair?" - admin alex] Isn't any investor still free to choose? Nothing legally has changed since the 1975 SEC ruling; only that Vanguard...
by Bonnan
Wed Oct 14, 2015 7:27 am
Forum: Personal Consumer Issues
Topic: Puppy Wireless
Replies: 9
Views: 3179

Re: Puppy Wireless

mjdaniel, Thanx for the replies. What is meant by the word "ticket"?
by Bonnan
Sun Oct 11, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Puppy Wireless
Replies: 9
Views: 3179

Puppy Wireless

Has anyone recent experience with Puppy Wireless. Their $80 per year minimal usage pkg is all I need and I want to continue using my existing flip phone. Thanx for any input.
by Bonnan
Wed Sep 30, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: Need for a new Furnace
Replies: 10
Views: 1064

Need for a new Furnace

My elderly sister asked for advice. The local serviceman reported that the heat exchanger has a cracked and is unsafe to operate. The original furnace lasted 40 years and this Bryant can't make it beyond 20. It just galls me the junk made today. What is a good brand being made today and what are the...
by Bonnan
Mon Sep 14, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Fed action/inaction
Replies: 33
Views: 3621

Fed action/inaction

Is the Fed upcoming decision priced into the market?
by Bonnan
Sat Aug 22, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 11648

How long will you"Stay the Course"?

What combination of duration and drop in the market might break your resolve? 20%/two months?, 20%/two years, 40%/four months?,40%/four years?, or whatever. It is possible since there is a surplus of capacity/labor and a scarcity of jobs.
by Bonnan
Sat Aug 08, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 15556

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

GED and others, please help me on this. Wife and I both retired and still use old flip phone. No need for all the "bells/whistles" living a nice slow place. So what plans would be good for us?
by Bonnan
Thu Aug 06, 2015 6:49 am
Forum: Personal Consumer Issues
Topic: Cost of concrete installed
Replies: 9
Views: 1798

Re: Cost of concrete installed

Well, so far I received two bids; $550 and 750 per cubic yard of concrete. Very difficult as one grows older to keep up with inflation.
by Bonnan
Fri Jul 31, 2015 9:27 pm
Forum: Personal Consumer Issues
Topic: Cost of concrete installed
Replies: 9
Views: 1798

Cost of concrete installed

It is now necessary that we replace the old driveway so we are starting the process to secure bids. It has been years and I know inflation is ongoing so I'm bracing myself for sticker shock. Just wondering what a rough cost for a "yard" of concrete installed is in your neighborhood?