Search found 47 matches

by starboard
Mon Dec 11, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 6176

Re: Moto G5 Plus: Software updates?

Hi VictoriaF, I recently traveled a similar road. Starting with this thread: Re: No true pay as you go [cellphone plan] https://www.bogleheads.org/forum/viewtopic.php?f=11&t=230728 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=230728&newpost=3594783#p3592669 I went with MintSIM, first pluggi...
by starboard
Mon Oct 30, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 6666

Re: No true pay as you go [cellphone plan]

miketheboglehead: FreedomPop may be a good option for you. based on you usage needs, their free plan may even be a good fit. They charge a one time $30 activation fee. ==================== I'd echo the suggestion that you take a look at Freedompop based on your needs. They are offering the LTE Sim f...
by starboard
Tue Jul 24, 2012 10:42 am
Forum: Investing - Theory, News & General
Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
Replies: 99
Views: 26998

Re: Wiki: Asset Allocation - Update "Age in Bonds"?

I am pleased to see the edits to the "live" version: Asset Allocation and want to thank LadyGeek for heading up this effort to improve the wiki. Many others made important contributions to the discussion that centered on the general Age in Bonds concept, and I hope this thread remains a valuable res...
by starboard
Sun Jul 22, 2012 10:27 am
Forum: Investing - Theory, News & General
Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
Replies: 99
Views: 26998

Re: Wiki: Asset Allocation - Update "Age in Bonds"?

I am pleased with the direction of recent edits as shown in temporary draft page Scratch Pad - Bogleheads . Although implied in the quote that Taylor cited, I'm not sure that Bogle only intended capitalization of SS and Pension to be applied only "during the retirement distribution phase". In other ...
by starboard
Sat Jul 21, 2012 5:37 pm
Forum: Investing - Theory, News & General
Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
Replies: 99
Views: 26998

Re: Wiki: Asset Allocation - Update "Age in Bonds"?

Since my request to alter the Wiki with regard to Bogle's Age in Bonds rule of thumb started this, I guess I should try to clarify my thoughts regarding an increasingly diverse discussion. My initial point is quite simple: If we start out the Wiki section with this phrase: Bogle recommends "roughly ...
by starboard
Wed Jul 18, 2012 11:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 407
Views: 236845

Re: Suggestions for the Wiki

A possible edit to the Wiki, under the sections Asset Allocation, Rules of thumb "Bogle recommends "roughly your age in bonds"; for instance, if you are 45, 45% of your portfolio should be in high-quality bonds. Recently, less conservative rules have emerged such as (age - 10) or even (age - 20) in ...
by starboard
Wed Mar 21, 2012 5:33 pm
Forum: Investing - Theory, News & General
Topic: Free book by Boglehead Oblivious Investor
Replies: 26
Views: 3302

Re: Free book by Boglehead Oblivious Investor

Thank you for mentioning the book, Camper! . . . here's the link directly to Amazon with the Bogleheads' affiliate tag, in case it does end up helping: http://www.amazon.com/dp/0981454240/?tag=bogleheads.org-20 Thanks Mike! This was a great excuse to download the PC Kindle App and get a great refer...
by starboard
Mon Mar 05, 2012 1:33 pm
Forum: Investing - Theory, News & General
Topic: My “Aha!” Moment in Investing
Replies: 94
Views: 10377

Re: My “Aha!” Moment in Investing

My "Aha!" moment came from reading Bogle's Little Book of Common Sense Investing a year or two out of college. Even someone with little background in finance can see the sound logic and honesty that Bogle used to make index investing second nature for so many people. This gem of a book was also my ...
by starboard
Mon Jan 30, 2012 11:56 am
Forum: Investing - Theory, News & General
Topic: Problems with TD website?
Replies: 15
Views: 1139

Re: Problems with TD website?

I had no problems purchasing on Friday, 1/27/2012.

I purchased on several different accounts and everything went smoothly

stb

edited to correct date
by starboard
Mon Jan 23, 2012 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding a capital gain (maybe).
Replies: 10
Views: 1048

Re: Avoiding a capital gain (maybe).

The reason I want to switch to a life strategy fund is so that when I die my widow has only one fund with a fixed asset allocation and won't have to fuss with taking so much from TBM and so much from TSM to maintain the same asset allocation. In that case, you may want to use a Target Retirement fu...
by starboard
Fri Jan 13, 2012 7:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is it time to start a New Mexico "local" chapter?
Replies: 3
Views: 733

Re: Is it time to start a New Mexico "local" chapter?

Grasshopper wrote:Is Rodeo, the most western town in New Mexico considered?
If you can get more than one of us to show up, then Yes, let's Rodeo West. :)

Rodeo looks to be just over a mile East of the Arizona / New Mexico state line. . .

stb
by starboard
Fri Jan 13, 2012 4:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is it time to start a New Mexico "local" chapter?
Replies: 3
Views: 733

Is it time to start a New Mexico "local" chapter?

I wonder if there might be enough interest to form a New Mexico "local" chapter? New Mexico is such a big state (fifth largest in the United States), so a concern would be the distances people would have to drive to attend get-togethers. Perhaps we could solve part of the problem by meeting in some ...
by starboard
Fri Jan 13, 2012 4:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1423229

Re: The Three Fund Portfolio

My question is how best to implement the three fund portfolio when all investment is in taxable accounts? In my case (retired with no earned income), a tax sheltered account is not going to happen. Taylor: Thanks for the advice regarding Vanguard's Short-Term or Intermediate-Term Tax-Exempt bond fu...
by starboard
Wed Jan 11, 2012 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Return for the Year
Replies: 18
Views: 1916

Re: Calculating Return for the Year

I let Vanguard tell me. Log into your account. Look under the "Performance" tab. I have not been able to duplicate Vanguards 1-year personal rate of return. Please see this question from another thread if anyone can help to clarify what it is that I am doing wrong: http://www.bogleheads.org/forum/v...
by starboard
Wed Jan 11, 2012 12:13 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1423229

Re: The Three Fund Portfolio

My question is how best to implement the three fund portfolio when all investment is in taxable accounts? In my case (retired with no earned income), a tax sheltered account is not going to happen. Earlier in this thread, Cid and Taylor discussed substituting tax exempt bond funds in place of Total ...
by starboard
Mon Jan 09, 2012 3:26 pm
Forum: Investing - Theory, News & General
Topic: 2011 Returns Thread
Replies: 137
Views: 13087

Re: 2011 Returns Thread

How'd you do this year? If you don't know how to calculate your return using XIRR or similar, take a look at this: http://whitecoatinvestor.com/how-to-calculate-your-return-the-excel-xirr-function/ I have computed a XIRR of 6.99% for 2011 Vanguard assets, however Vanguard shows my one year rate of ...
by starboard
Tue Dec 27, 2011 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Cost Analysis of Smartphones
Replies: 31
Views: 3916

Re: Financial Cost Analysis of Smartphones

Unless I am not mistaken, all big 4 telcos will *NOT* allow you to get a smartphone without data, which incurs unnecessary cost for people (like me) who don't need it, I have Wi-Fi access 90% of the time. Yes, you can use a smart phone without paying for wireless data. Here's what we did: We had a ...
by starboard
Mon Nov 14, 2011 7:15 pm
Forum: Investing - Theory, News & General
Topic: TDdirect new login
Replies: 30
Views: 2727

Re: TDdirect new login

exigent wrote ---> bongleur: If you want to authorized a new computer (or need to re-authorize your existing computer) you just re-request a one-time use code via e-mail. Is the authorized computer tied to only one TD account, or can you use the same authorized computer for multiple TD accounts? Th...
by starboard
Thu Aug 04, 2011 9:19 am
Forum: Investing - Help with Personal Investments
Topic: "Target Retirement Income Fund" - Retiree Seeking
Replies: 12
Views: 3265

Thanks nisiprius, that was a great summary . Other factor to consider is that the "glide path" of the Target Retirement 20xx funds causes them to turn into the investment asset allocation of the Target Retirement Income fund about 7 years after their target date. You can play around with the glide p...
by starboard
Fri Jul 22, 2011 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: When does "age in bonds" NOT make sense?
Replies: 35
Views: 7432

Calling it a "rule of thumb" implies that it an easy to learn and apply rule that is a approximation of some more exact rule. My first guess is the that more exact rule is based on the idea that the investment risk of every invested dollar is a function of the time it will remain invested. It assum...
by starboard
Mon Jul 11, 2011 9:59 am
Forum: Investing - Help with Personal Investments
Topic: 20 something looking for financial advice after dad's death
Replies: 13
Views: 1921

Re: 20 something looking for financial advice after dad's de

Hello All, A family member recommended this site to me and I have been reading it often and finally decided to ask for some advice. About a month ago my step father passed away unexpectedly. . . I am sure I am forgetting or leaving out a million different things I don't know about this process. My ...
by starboard
Wed Jun 15, 2011 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: anyone else harbor extreme animosity toward a retail bank?
Replies: 100
Views: 9758

Peter: You have a better credit union than I. As a follow up for those who think they may never need a medallion signature guarantee, here is a search of Vanguard for when a medallion signature guarantee might be needed: http://www.google.com/search?q=site%3Avanguard.com++medallion+signature+guaran...
by starboard
Tue Jun 14, 2011 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: (Sail) Boats for Bogleheads
Replies: 32
Views: 3841

Re: (Sail) Boats for Bogleheads

Before everyone tells me they are mutually exclusive, I am pretty sure some Bogleheads sail. Boats appear to be the biggest money sink after a divorce. I love sailing so I'm going to get a boat in a few years. Do the sailors have any tips on how to reconcile being a Boglehead and owning a boat? For...
by starboard
Sun May 29, 2011 7:53 pm
Forum: Investing - Theory, News & General
Topic: I-bonds--electronic vs. paper
Replies: 45
Views: 5967

I will be interested in the responses to this thread. I have yet to be convinced that there is any advantage to converting paper bonds to electronic bonds, so I will see if I am mistaken. This isn't going to apply to most people, but I am currently living overseas working with the US Army in auster...
by starboard
Sun May 29, 2011 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Sharing My I-Bond Purchase Experience
Replies: 53
Views: 7185

Re: Bought I Bonds

I went to bank, but made the purchase outright through the on-line application form provided me on the I Bonds for dummies post. They cleared the bank in 3 days. Treasury direct was even easier. Very simple process. Thanks to everyone who helped us newbies. I want to second rustymutt on this point....
by starboard
Sun May 22, 2011 5:39 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct Access Card
Replies: 39
Views: 11929

Here's a link to the Access Card tutorial: http://www.treasurydirect.gov/indiv/help/TDTutorial/tutorial.htm When I ran the tutorial, it appeared that there is no way to enter lower case characters in a password. If lower case letters were used on the initial application, were they converted and sto...
by starboard
Sat May 21, 2011 11:42 am
Forum: Investing - Theory, News & General
Topic: Applying for Series I US Savings Bonds
Replies: 51
Views: 6621

Re: treasury direct

...My question is do I need to set up 4 seperate accounts, 4 seperate cards, etc?... Yes. Two separate accounts for you, and two separate accounts for your wife, if you want to purchase the maximum amount of I Bonds electronically. Ed Rager1, thanks for answering my question on a related thread: ht...
by starboard
Fri May 20, 2011 11:58 am
Forum: Investing - Help with Personal Investments
Topic: buying paper i bonds- TD mail order
Replies: 18
Views: 3132

The answer is also in the wiki: Each version is limited to $5,000 per person per year. (Investors can also purchase an additional $5,000 in paper bonds and $5,000 via TreasuryDirect for their trust.) http://www.bogleheads.org/wiki/I_Savings_Bonds I have to admit I sometimes forget to look to the wi...
by starboard
Fri May 20, 2011 10:58 am
Forum: Investing - Help with Personal Investments
Topic: buying paper i bonds- TD mail order
Replies: 18
Views: 3132

. . . Can you do this? Yes. See the answer from TD in this post: http://www.bogleheads.org/forum/viewtopic.php?p=1025657#1025657 The trust is considered a different person than the individual, even though the trust uses the same social security number. The trick is here: § 359.3 What special terms ...
by starboard
Fri May 20, 2011 10:26 am
Forum: Investing - Help with Personal Investments
Topic: buying paper i bonds- TD mail order
Replies: 18
Views: 3132

sscritic- damn, you basically did everything for me. Thank you so much! Its greatly appreciated. I was confused about the heading on the TD page http://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm because it says the annual limitation is 5k per social security per year s...
by starboard
Fri May 13, 2011 2:13 pm
Forum: Personal Consumer Issues
Topic: prepaid cell phones
Replies: 33
Views: 4324

I use T-Mobile and like their gold rewards status. I bought my phone for less than $30 and I bought a $100 card which gave me gold status. The minutes on the $100 card last for 1 yr but unused minutes will be renewed if I buy another refill card at any dollar value. If I have 900 minutes after 11 m...
by starboard
Thu Mar 03, 2011 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Use a bad 457 Plan or just pay taxes and invest?
Replies: 13
Views: 1623

Call TIAA-CREF and see if Mrs. Chad would be eligible.

I understood that TIAA-CREF accounts are available for almost
anyone employed in the education system. Given that there is
no employer match, TIAA-CREF accounts may be an option for you.

stb
by starboard
Sun Jan 02, 2011 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Does Admiral Shares convert back to Investor shares?
Replies: 4
Views: 2083

It's my understanding that you will only be demoted back to Inv. as a result of selling shares from the fund to below the Adm. level; market price changes shouldn't cause demotion... I asked about Admiral shares in a phone call to Vanguard on December 15, 2010. I was told that accounts are automati...
by starboard
Sun Dec 26, 2010 3:16 pm
Forum: Investing - Theory, News & General
Topic: What's Your Allocation to High Yield Bonds?
Replies: 80
Views: 10268

$15K Hi Yield Tax Ex Muni in Taxable Acct This High Yield Tax Exempt (HYTE) Vanguard bond fund seems to be a different critter than what has been the topic of this thread. I am wondering about VWAHX or the Admiral shares version VWALX for part of a taxable account. These funds are: AAA 8.2% AA 32.1...
by starboard
Thu Dec 09, 2010 1:30 pm
Forum: Investing - Theory, News & General
Topic: Don't "buy" the dividend?
Replies: 18
Views: 3430

Re: Don't "buy" the dividend?

I looked at the historical data only to try to understand the relevance of the three dates: Record, Reinvest and Payable. hsv_climer: you are absolutely right, I was seeing NAV dependent on factors other than dividends distribution. . . . avoid timing your purchase such that you do not incur an unne...
by starboard
Thu Dec 09, 2010 12:57 pm
Forum: Investing - Theory, News & General
Topic: Don't "buy" the dividend?
Replies: 18
Views: 3430

Don't "buy" the dividend?

I got curious about NAV and looked up the dates: One TR20xx fund shows Record Date 12/29/2009, $11.65 Reinvest Date 12/30/2009, $11.38 Payable Date 12/31/2009, $11.31 Low point 02/08/2010, $10.99 So, history may not repeat, but it looks like Payable Date was the best opportunity at the end of 2009. ...
by starboard
Thu Dec 09, 2010 11:56 am
Forum: Investing - Theory, News & General
Topic: Don't "buy" the dividend?
Replies: 18
Views: 3430

Don't "buy" the dividend?

hsv_climber: thank you for your help on this. One TR20xx fund shows Record Date 12/29/2009 Reinvest Date 12/30/2009 Payable Date 12/31/2009 I am a little confused by the terminology, which of these dates would yield the lowest NAV? Obviously, any purchase would take place after the 4 pm market close...
by starboard
Thu Dec 09, 2010 11:10 am
Forum: Investing - Theory, News & General
Topic: Don't "buy" the dividend?
Replies: 18
Views: 3430

Don't "buy" the dividend?

I have read advise to avoid buying a fund just before it makes a distribution. As we approach year end, when many TR20xx funds make their distribution, I am seeking a better understanding of the logic behind this rule of thumb. I propose the following scenario: an investor has 100k parked in a savin...
by starboard
Sat Aug 29, 2009 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: When to hold'em, when to fold'em?
Replies: 13
Views: 2126

In some threads I have read statements that make it sound very much like "hurry to harvest the loss before the market goes up" Yes, you should hurry if the market is going up. You will sell and book the loss and then the replacement equity you buy will go up with the market roughly like the orginal...
by starboard
Sat Aug 29, 2009 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: When to hold'em, when to fold'em?
Replies: 13
Views: 2126

Two easy decisions. (1) Do tax loss harvest and (2) don't take SS early. TLH by selling and immediately buying a similar but not "substantially identical" fund is a true no-brainer. You really have no market risk. RE: (2) Since you don't need the income now, defer SS as long as possible. If you wai...
by starboard
Sat Aug 29, 2009 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: When to hold'em, when to fold'em?
Replies: 13
Views: 2126

Re: When to hold'em, when to fold'em?

Drawing Social Security early could add about $1K per month in about a year. If you don't need the income and don't have a shortened life expectancy, you should consider delaying SS until 70. Yes, as long as the income is not needed, I plan to delay filling for SS. It sounds as though drawing early...
by starboard
Sat Aug 29, 2009 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: When to hold'em, when to fold'em?
Replies: 13
Views: 2126

This is an easy decision once you get over loss aversion: Sell all now and invest in your Vanguard 2015 TR fund. My understanding is that you have no IRAs whatsoever. Is that true? livesoft, thanks for the input. Strange but true, I have no IRA accounts. Why is it best to sell these assets now, rat...
by starboard
Sat Aug 29, 2009 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: When to hold'em, when to fold'em?
Replies: 13
Views: 2126

When to hold'em, when to fold'em?

Here is a little background info about me: I had a close encounter with a local financial planner who wanted to sell me a variable annuity, and put me into a managed portfolio. Fortunately, I was reading Bogle's "The Little Book of Common Sense Investing" at the time, and was able to cancel out of t...
by starboard
Fri Aug 28, 2009 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: SImple question regarding Vanguard Target Retirement funds.
Replies: 12
Views: 4172

Essentially daily as new cash comes in. I don't know what the rebalancing bands are in times of severe market drops when the incoming cash isn't enough to get back to the target asset allocation. I think that people tend to overlook the potential tax efficiency that can come from using new money to...
by starboard
Wed Jul 08, 2009 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic reinvestment not recommended in Taxable Account?
Replies: 49
Views: 6815

Mel, Could you please offer a few more details about this, or provide a simple example? I'm not following the part about "already paid taxes on an annual basis all of the reinvested distributions". How would this alter cost basis when the holding is sold? Thanks, Pete Hi Pete: Whether you reinvest ...
by starboard
Wed Jul 08, 2009 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic reinvestment not recommended in Taxable Account?
Replies: 49
Views: 6815

Mel,

Could you please offer a few more details about this, or provide a simple example? I'm not following the part about "already paid taxes on an annual basis all of the reinvested distributions". How would this alter cost basis when the holding is sold?

Thanks,
Pete
by starboard
Mon Jul 06, 2009 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty in posting
Replies: 2
Views: 801

Good, I needed a chance to post a reply.

Thanks,
Pete