Search found 15 matches

by Mr Winston
Wed Dec 19, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 6853

Re: Beta Vanguard APP

I spoke with vanguard today. The person I spoke to knew nothing about vanguard beta testing software. I immediately deleted all the emails related to the invitation I received from test flight.
by Mr Winston
Tue Dec 18, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo or not to turbo that is the question
Replies: 2
Views: 720

Turbo or not to turbo that is the question

Rumor has it that most people will not qualify to itemize this year. How do I determine if I should shell the $$$ for software or just plan on using the free online filing?
by Mr Winston
Thu Nov 22, 2018 12:35 pm
Forum: Personal Investments
Topic: Happy Thanksgiving [Portfolio help requested]
Replies: 1
Views: 361

Happy Thanksgiving [Portfolio help requested]

What can I invest into that will increase my thankfulness next year?
by Mr Winston
Sat Nov 17, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 6853

Re: Beta Test New Vanguard App... Is this a scam?

UpperNwGuy wrote: Sat Nov 17, 2018 9:15 am
Mr Winston wrote: Sat Nov 17, 2018 9:13 am
UpperNwGuy wrote: Sat Nov 17, 2018 9:03 am Got the same invitation. Wondered the same thing.
You try it first and let me know :D
Not a chance. I don't click on email links, and I don't do any kind of beta testing for any product.
Mr UpperNwGuy you know I was just joking... right? I don't click on any email either. :happy
by Mr Winston
Sat Nov 17, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 6853

Re: Beta Test New Vanguard App... Is this a scam?

UpperNwGuy wrote: Sat Nov 17, 2018 9:03 am Got the same invitation. Wondered the same thing.
You try it first and let me know :D
by Mr Winston
Sat Nov 17, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 6853

Beta Test New Vanguard App... Is this a scam?

[merged this post and its replies into the existing thread - moderator prudent]

I was invited to be a beta tester for Vanguard new app or website. Is this a scam or is it true?
by Mr Winston
Fri Nov 16, 2018 2:44 pm
Forum: Personal Investments
Topic: First grandchild
Replies: 21
Views: 2246

Re: First grandchild

How do you know you will still be around when he is 26?
Don't burst my happy bubble of the hope of longevity... :D
by Mr Winston
Thu Nov 15, 2018 9:35 pm
Forum: Personal Investments
Topic: First grandchild
Replies: 21
Views: 2246

Re: First grandchild

My grandson is 18 month old this month. On his first birthday I put $365 in to a brokerage account, (That is $1 per day for the mathematically challenged). It is most likely not as smart as opening a 529 but I don't like being locked into the rules. I plan to do this every year until he is 26, then I will give it to him in increments of so he will not need to pay any gift tax. I will not give it to him at 18 because he will want to buy a hot car. I will not give it to him at 21 because he will want to spend it on a wedding ring. At 26 he will hopefully understand compounding and keep it until he is 85. If his life style is not acceptable to grandpa then grandpa will keep it. :D
by Mr Winston
Thu Nov 15, 2018 8:27 pm
Forum: Forum Issues and Administration
Topic: How do I make a avatar
Replies: 5
Views: 1569

How do I make a avatar

how do I make an avatar that fits the requirements?
by Mr Winston
Thu Nov 15, 2018 7:53 pm
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 25906

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

There is always another person on the other side of a trade. Right? So while one person feels like it is time to get sell the other person thinks it is time to buy. Why do people see the same information yet come to different conclusions? I guess If I knew that I would have gold carpets. :D I do feel for you... I face the same quandary. On paper I lost over $50,000 in two days a couple weeks back. I've decided I am not selling. In a year I will either be kicking myself or falsely thinking I am the greatest investor in the world. (Watch out Warren, I am coming at ya.) No one promised me that this investment thing was going to be easy, even though it has been a little easier for the past 10 years. All the best for whatever decision you make. ...
by Mr Winston
Sat Nov 10, 2018 8:54 pm
Forum: Personal Investments
Topic: What? I'm a Vanguard Owner?
Replies: 10
Views: 2123

What? I'm a Vanguard Owner?

I don't understand. Could someone kindly explain in a simple way, how I am a part owner of Vanguard just because I have opened a Vanguard account and purchased one or more of their products? And, what difference it makes for me?

Here is a quote from the internet: "The company is owned by its funds. The company's different funds are then owned by the shareholders. Thus, the shareholders are the true owners of Vanguard. The company has no outside investors other than its shareholders"
by Mr Winston
Fri Nov 09, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 5032

Re: 401k Help. They are removing index funds.

Ask if you can be appointed to the trustee committee. I did and I can now influence our choices. Also, google Brightscope, it is like Glassdoor for retirement programs. You can see where your companies plan stands in comparison to like companies.
by Mr Winston
Thu Nov 08, 2018 10:06 pm
Forum: Personal Investments
Topic: Social Security as a percentage of portfolio
Replies: 14
Views: 1879

Re: Social Security as a percentage of portfolio

Hey guys let me have my fantasy of a long life. ;-) lol
by Mr Winston
Thu Nov 08, 2018 9:47 pm
Forum: Personal Investments
Topic: Help - Expect to inherit relatively large sum
Replies: 12
Views: 2624

Re: Help - Expect to inherit relatively large sum

There may be one thing worse that not inheriting a large sum and that may well be inheriting a large sum. I agree, pay your loans, then find a cause and give it all away. Or use it to give your talents away to the world and work for free. That may just be the way that money can buy happyness.
by Mr Winston
Thu Nov 08, 2018 8:07 pm
Forum: Personal Investments
Topic: Social Security as a percentage of portfolio
Replies: 14
Views: 1879

Social Security as a percentage of portfolio

Question: When reviewing my portfolio shall I count my future estimated social security payments towards the percentage I need as cash? Not emergency cash. Shall I calculate 10, 15 or 20 years of payments into my total net worth? I'm 63. My mom died at 92 and my father died at 96. I know I could die anytime... and Uncle Sam could reduce my future payments. But with that said, if I count it as in the "bank" I will feel better about having a greater percentage at risk in equities.

Any thoughts?