Search found 1786 matches

by Vanguard Fan 1367
Wed Sep 30, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: Starting a Vineyard
Replies: 21
Views: 1581

Re: Starting a Vineyard

I am having fun in Florida with a few Muscadine grape vines. Vineyards seem to be popping up in Florida where I live. Good luck with the vineyard.
by Vanguard Fan 1367
Mon Sep 28, 2020 10:09 pm
Forum: Investing - Theory, News & General
Topic: Windsor - hold or exchange
Replies: 7
Views: 563

Re: Windsor - hold or exchange

I had Windsor II and sold it when in March I had some tax loss harvesting so that I wouldn't have to pay tax on the Windsor II gain. I prefer to have Vanguard's Total Stock Market and 500 funds and ETFs rather than Windsor !!. But Windsor is a fine investment and I am sure has treated you well.
by Vanguard Fan 1367
Sun Sep 20, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20197

Re: Your "at peace" moments.

I am a dozen miles away from a state park. I buy an annual pass to the state parks and this morning went on a 2 mile hike in this state park. I did encounter one couple on this hike but it was a great time to enjoy some alone time and some peace.
by Vanguard Fan 1367
Sun Sep 20, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees thought about cutting spending in March 2020?
Replies: 53
Views: 3754

Re: Any retirees thought about cutting spending in March 2020?

I certainly thought about cutting my spending in March 2020. Thankfully it didn't take too many months for the market to bounce back and it didn't dip as much as it could have. So I didn't get too carried away with actually cutting spending, I just thought about it. I also didn't do any wild extra s...
by Vanguard Fan 1367
Thu Sep 17, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What one Book to read about personal finance?
Replies: 40
Views: 2462

Re: What one Book to read about personal finance?

I like John Bogle's The Little Book of Common Sense Investing
by Vanguard Fan 1367
Mon Sep 14, 2020 2:21 pm
Forum: Personal Investments
Topic: Roth conversion-How fast
Replies: 26
Views: 2450

Re: Roth conversion-How fast

It is hard to tell what will happen in the future. It is safe to say there will be changes. The tax rates are scheduled to rise. If you haven't read, "The Tax Bomb in your Retirement" by Josh Scandlen I recommend it. The other posters have kindly posted ideas as to how much to convert. I am 67 and p...
by Vanguard Fan 1367
Sun Sep 06, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Do you have a lot of "actions" in your retirement life?
Replies: 68
Views: 7863

Re: Do you have a lot of "actions" in your retirement life?

I garden, travel, fish, snorkel in the FL Keys, walk, and listen to audio books. I was active in my church before COVID. I enjoy playing the piano.

I do like to stay active.
by Vanguard Fan 1367
Sun Sep 06, 2020 1:55 pm
Forum: Personal Investments
Topic: Rebalancing: The answer is VTI, right?
Replies: 11
Views: 1547

Re: Rebalancing: The answer is VTI, right?

I like option 2 or 3.
by Vanguard Fan 1367
Fri Sep 04, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: How to revive a dead deep cycle battery?
Replies: 20
Views: 1313

Re: How to revive a dead deep cycle battery?

So I have a deep cycle marine/RV battery, the brand is Exide Nautilus Dual Purpose 27MDP. I bought it and used it a few years ago to power a smoker for long cooks without access to electricity. However, it’s sat unused for a bit in the basement and I think it has discharged. Measuring with a multim...
by Vanguard Fan 1367
Fri Sep 04, 2020 5:56 pm
Forum: Investing - Theory, News & General
Topic: Financial Transaction Tax: Vanguard vs Bogle
Replies: 3
Views: 415

Re: Financial Transaction Tax: Vanguard vs Bogle

I am wondering if this topic would be considered not appropriate for Bogleheads to discuss here.
by Vanguard Fan 1367
Thu Sep 03, 2020 12:13 am
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 71
Views: 5306

Re: How much to take down this tree?

The thing is, the limbs over the garage are 6-8 feet off the roof and are 6-8 inches in diameter. I'd basically have to cut 6 inches at a time and even those chunks are going to be 15-20 pounds falling on the roof. Free old matress on craigslist? A couple sheets of 5/8"+ plywood would also probably...
by Vanguard Fan 1367
Tue Sep 01, 2020 10:48 am
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28084

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

gmaynardkrebs wrote: Mon Aug 31, 2020 9:40 pm Stay the Course! Nobody Know Nuthin! Warren Buffet says the proper holding time for stocks is forever. Never time the market. The market knows more than you do.
Any other BH truisms I forgot to parrot?
Yes: "Don't look for the needle in the haystack. Buy the haystack."
by Vanguard Fan 1367
Mon Aug 31, 2020 4:00 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28084

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

Hello all, My dad just told me he has surpassed one million in Tesla . He's 60 years old , 5 years left to retirement. Has a total portfolio of 3 million and RE worth 2 million. His portfolio holdings consist of individual companies such as Tesla , apple, Nvidia , AMD , GE and some other companies....
by Vanguard Fan 1367
Sat Aug 29, 2020 8:14 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1576

Re: Dental office 401k advice

Couldn't you offset the cost by cutting your employees pay down to minimum wage? It's not like they are going to quit when there's 10% unemployment, thank you. I wouldn't want to do that to my employees. Great dental office employees are going to cost more than minimum wage, even in this time of 10...
by Vanguard Fan 1367
Sat Aug 29, 2020 8:11 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1576

Re: Dental office 401k advice

It seems you aren't considering how the 401(k) might (or might not) be an advantage for the business, i.e. employee recruitment and retention. My experience is that people care much less than you'd think. One source involved with multiple dental offices told me that 10% of the employees took advant...
by Vanguard Fan 1367
Fri Aug 28, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: South Carolina beach: July vs August for hurricane risk
Replies: 11
Views: 762

Re: South Carolina beach: July vs August for hurricane risk

I am in Florida and it looks like we will avoid a hurricane in my part of the state this August. You could get a hurricane in August but the odds are in your favor that it won’t happen.
by Vanguard Fan 1367
Fri Aug 28, 2020 6:34 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1576

Re: Dental office 401k advice

You mention a financial advisor. I don’t know how involved you are with the teachings of John Bogle. If you invest taxable money in something like Vanguard’s Total Stock Market ETF that is pretty low expense and tax friendly if you buy and hold it. I am a retired dentist who tried different plans an...
by Vanguard Fan 1367
Wed Aug 26, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10291

Re: A Beater Truck and a FAT 401k...

When young and impressionable I heard a speaker talk about buying a new car and then deciding to get rid of it and buy something that he could pay cash for. He said that it rattled but it rattled "p a i d." I have never taken out a loan to buy a car. I did get a loan for 3 months in order to get 100...
by Vanguard Fan 1367
Sun Aug 23, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16579

Re: Do you talk to your friends/family/coworkers about this stuff?

I used to talk about it with one of my fishing buddies. We go on trips where we have some time to listen to things. I used to play John Bogle things. Later my friend said that he hates to talk about investment things. So no more Bogle or other financial podcasts or audio books, YouTube, etc. about f...
by Vanguard Fan 1367
Sun Aug 23, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16579

Re: Do you talk to your friends/family/coworkers about this stuff?

I used to talk about it with one of my fishing buddies. We go on trips where we have some time to listen to things. I used to play John Bogle things. Later my friend said that he hates to talk about investment things. So no more Bogle or other financial podcasts or audio books, YouTube, etc. about f...
by Vanguard Fan 1367
Sun Aug 23, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: Tax-managed index fund -- worth it?
Replies: 15
Views: 1421

Re: Tax-managed index fund -- worth it?

I think that Vanguard's Total Stock Market Index Fund or ETF is pretty good at managing taxes. Before realizing that I bought Vanguard's Tax Managed Balanced Fund. That did well for me but I like VTI better.
by Vanguard Fan 1367
Sun Aug 23, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?
Replies: 44
Views: 3226

Re: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?

There are some nice state parks in North Georgia that have hiking access to sections of the Appalachian trail. I recommend Amicolola Falls (access to Springer Mountain and start of lower end of AT), Vogel with access to Blood Mountain, and Black Rock state park as some to check out. I have enjoyed ...
by Vanguard Fan 1367
Sat Aug 22, 2020 5:34 pm
Forum: Personal Investments
Topic: Deciding how much to take in LT Cap Gains vs Roth Conversions…
Replies: 5
Views: 598

Re: Deciding how much to take in LT Cap Gains vs Roth Conversions…

I am in a similar place as you. I don't reinvest my dividends with my taxable accounts. This gives me some income to live on as I try to not have too many long term capital gains taxes. I am trying to limit my long term capital gains as much as possible and still be able to feed the family. I also a...
by Vanguard Fan 1367
Sat Aug 22, 2020 1:42 am
Forum: Personal Consumer Issues
Topic: Hobbies that cost $$
Replies: 23
Views: 1893

Re: Hobbies that cost $$

Fishing in the Florida Keys
by Vanguard Fan 1367
Fri Aug 21, 2020 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Market timing - home edition
Replies: 2
Views: 431

Re: Market timing - home edition

I would consider what a competent realtor would list your house for a quick sale. If you can handle the number I would consider selling. If you can’t then keep the house and stay in Chicago. I bought a house I liked and think I overpaid. I had the money and I am happy with the house. Thankfully John...
by Vanguard Fan 1367
Fri Aug 21, 2020 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Chase BillPay
Replies: 9
Views: 1035

Re: Fidelity vs. Chase BillPay

FYI, I had Fidelity bill pay cut a check each month for mortgage payment. Two years ago I got a call from my mortgage lender that they never received payment. Apparently the check was never sent. Fidelity paid the $80 late fee, fortunately I did not get a hit on my credit report. I have since switc...
by Vanguard Fan 1367
Thu Aug 20, 2020 3:48 pm
Forum: Personal Investments
Topic: Hi. I'm Mike, and I'm a Jonesoholic
Replies: 31
Views: 5274

Re: Hi. I'm Mike, and I'm a Jonesoholic

[b][i][u][b][i][/i][/b][/u][/i][/b] I grabbed the annual expense costs for each fund from Marketwatch and Morningstar reports. But that doesn't include all the behind-the-scenes shenanigans that certainly went on. That is the total of all the annual expenses for all of the holdings. Ok, but adding ...
by Vanguard Fan 1367
Thu Aug 20, 2020 3:47 pm
Forum: Personal Investments
Topic: Hi. I'm Mike, and I'm a Jonesoholic
Replies: 31
Views: 5274

Re: Hi. I'm Mike, and I'm a Jonesoholic

I grabbed the annual expense costs for each fund from Marketwatch and Morningstar reports. But that doesn't include all the behind-the-scenes shenanigans that certainly went on. That is the total of all the annual expenses for all of the holdings. Ok, but adding them together does overstate the tot...
by Vanguard Fan 1367
Thu Aug 20, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9654

Re: how often do you check your net worth?

New to posting on the forum and a recent follower of the Bogleheads philosophy. After years of trying to actively manage and beat the market, I've succumbed to simplifying my portfolio after realizing that I wasn't generating much (if any) alpha. As my wife and I approach the 2 comma club I wanted ...
by Vanguard Fan 1367
Wed Aug 19, 2020 6:21 pm
Forum: Personal Investments
Topic: This is why DIY is the way to go
Replies: 11
Views: 2022

Re: This is why DIY is the way to go

DIY rocks! Thanks for posting.
by Vanguard Fan 1367
Tue Aug 18, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: TLH - do I have this correct?
Replies: 5
Views: 369

Re: TLH - do I have this correct?

In May I sold five funds IJR, FAARX, VOO, VXF, VXUS for a combined loss. I consolidated into two funds VEU, VTI. These are up considerably today. If I sell a portion of these new funds are the profits negated For tax purposes as long as The profit from the sale is less than the total of the losses ...
by Vanguard Fan 1367
Fri Aug 14, 2020 4:20 pm
Forum: Personal Investments
Topic: Dentist seeking portfolio advice
Replies: 11
Views: 1889

Re: Dentist seeking portfolio advice

HSA to put away a little more - you need an eligible medical plan. If all your employees are at least contributing up to your simple IRA match (assume 3%), then doing a safe harbor with non-elective 3% will cost the same in match, and thus will not cost you too much more. A company like guideline.c...
by Vanguard Fan 1367
Thu Aug 13, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: CFP - One-Time Consultation (to Generate Plan), Worth It?
Replies: 22
Views: 1056

Re: CFP - One-Time Consultation (to Generate Plan), Worth It?

I like the suggestion to see what Bogleheads recommend.

A title I listen to on a podcast is “Be careful who you listen to.”

A lot of financial advice could be better. I have done well studying John Bogle and Bogleheads.
by Vanguard Fan 1367
Thu Aug 13, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management
Replies: 18
Views: 1819

Re: Fidelity Cash Management

Vanguard decided to eliminate their cash management so I moved that to Fidelity. I like their bill pay, their checking, and their HSA. As others say the free ATM is a nice feature.

Hopefully interest rates will rise and I can get some income again on my checking .
by Vanguard Fan 1367
Sun Aug 09, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Looking for ideas for audiobooks
Replies: 7
Views: 402

Re: Looking for ideas for audiobooks

I am enjoying, "Enthusiasm Makes the Difference" by Norman Vincent Peale
by Vanguard Fan 1367
Sat Aug 08, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Malkiel: Preferred and High-Dividend Stocks are "Bond Substitutes"
Replies: 36
Views: 2991

Re: Malkiel: Preferred and High-Dividend Stocks are "Bond Substitutes"

I have heard that it might be something to consider high dividend yield stocks. In March or April I decided to sell the bond fund in my IRA and buy Vanguard’s High Dividend Yield fund. That is working out ok as of today. Vanguard Fan 1367, One of the main objections to Malkiel's suggestion is bonds...
by Vanguard Fan 1367
Sat Aug 08, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Chemical Stump Removal
Replies: 17
Views: 1657

Re: Chemical Stump Removal

I have some tree stumps, but have decided to leave them and plant ivy on them. Potassium nitrate works on dead stumps, if the stump is fresh it might not be dead yet. Burning stumps is illegal where I live, but it seems in TN it is legal with a permit. The fine here is $500 and the cost of them bri...
by Vanguard Fan 1367
Thu Aug 06, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Chemical Stump Removal
Replies: 17
Views: 1657

Re: Chemical Stump Removal

Has anybody here used a chemical stump remover (ie potassium nitrate)? How did it go? I bought a stump remover from Lowe’s. I suppose I could have thought of this myself but their suggestion to make a charcoal fire 🔥 on the stump has helped me remove several stumps. The drilling of holes and puttin...
by Vanguard Fan 1367
Thu Aug 06, 2020 2:23 am
Forum: Investing - Theory, News & General
Topic: Malkiel: Preferred and High-Dividend Stocks are "Bond Substitutes"
Replies: 36
Views: 2991

Re: Malkiel: Preferred and High-Dividend Stocks are "Bond Substitutes"

I have heard that it might be something to consider high dividend yield stocks. In March or April I decided to sell the bond fund in my IRA and buy Vanguard’s High Dividend Yield fund.

That is working out ok as of today.
by Vanguard Fan 1367
Wed Aug 05, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15815

Re: Should I purchase a whole house generator?

We lost power for a week or so during Irma. The whole house generator was great. We only have a 250 gallon propane tank. Folks recommend at least 500 gallons. We also had a propane company that only would come out and fill the tank if we were less than 20 percent full. So when the hurricane hit we h...
by Vanguard Fan 1367
Wed Aug 05, 2020 4:28 pm
Forum: Personal Investments
Topic: Is this a sound Roth IRA strategy?
Replies: 10
Views: 765

Re: Is this a sound Roth IRA strategy?

I am glad that you have had a nice run up with the stocks you have. In the past long term results from the S & P 500 fund and the Total Stock Market Index Funds have been better. I bought a gold fund many years ago and my experience was that it didn't do as well as the S & P 500 long term. Yes... t...
by Vanguard Fan 1367
Wed Aug 05, 2020 12:02 pm
Forum: Personal Investments
Topic: Is this a sound Roth IRA strategy?
Replies: 10
Views: 765

Re: Is this a sound Roth IRA strategy?

I am glad that you have had a nice run up with the stocks you have.

In the past long term results from the S & P 500 fund and the Total Stock Market Index Funds have been better.

I bought a gold fund many years ago and my experience was that it didn't do as well as the S & P 500 long term.
by Vanguard Fan 1367
Mon Aug 03, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: A Question About Transferring Money to Vanguard
Replies: 3
Views: 347

A Question About Transferring Money to Vanguard

Somewhere on this forum I have read that it is better to push the funds or pull them when transferring funds from my bank to Vanguard.

Which is quicker, to have Vanguard request the money or to have my bank send it? Thanks for the help.
by Vanguard Fan 1367
Sun Aug 02, 2020 4:50 pm
Forum: Personal Investments
Topic: After 65 Roth Conversion and SS at 70
Replies: 19
Views: 1750

Re: After 65 Roth Conversion and SS at 70

There are a lot of possibilities for change over the next 20 or so years. I am in a similar situation and like the idea of converting to Roth to the 22% tax bracket to give me some options to deal with the changes.
by Vanguard Fan 1367
Mon Jul 27, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3636

Re: Repair Refrigerator?

We went to an independent appliance dealer after the big box folks said September for a new refrigerator. The independent delivered a refrigerator we love the next day.
by Vanguard Fan 1367
Mon Jul 27, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4874

Re: Buying a property in central Florida a good idea or not

I think it all depends on location because my relative bought a house in Clermont 15 years ago for $255k and today it’s only worth $293k. It certainly does. My experience with rural Florida real estate is that if you buy a house for 315K you might sell it 12 years later for 300k. My parents bought ...
by Vanguard Fan 1367
Sat Jul 25, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)
Replies: 20
Views: 1828

Re: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)

Yes, not only do you not get your status recognized, you don’t earn points at hotels if you book through a third party. Isn't Bogleheads a great resource! I had to learn the hard way that I don't get points for my Choice Hotels or my Hilton Honors if I book through a third party. I don't blame them...
by Vanguard Fan 1367
Fri Jul 24, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Any Astronomy Buffs Out There?
Replies: 81
Views: 5602

Re: Any Astronomy Buffs Out There?

Reading this thread reminded me to go outside to see the Comet Neowise with my binoculars. After that, I was motivated to finally take my Meade LX200 (classic) 10" telescope out for the first time in at least 10 years and have the neighbors over for a look. Now I'm going to refurbish the telescope ...
by Vanguard Fan 1367
Fri Jul 24, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: vacuum sealers
Replies: 11
Views: 872

Re: vacuum sealers

I am happy with my Food Saver Gamesaver model. I mostly use it to freeze fish I catch.