Search found 103 matches

by CTBob
Thu Sep 08, 2011 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - low mileage drivers
Replies: 8
Views: 2718

State Farm now has a program where they give discounts based on actual miles driven, rather than using the 7500 mile cutoff. We were already in the under-7500 category and then got an additional ~5% off our premium last month after updating our mileage information. We just got the semi-annual bill ...
by CTBob
Sat Aug 13, 2011 7:26 am
Forum: Personal Consumer Issues
Topic: Google..... how does it know?
Replies: 40
Views: 5348

Are you sure Google can get my address (or town) from my IP address? I get my IP address from my DSL service provider, AT&T. Does AT&T give out the IP addresses from the huge blocks they own based on physical addresses? Do all the providers do this? Are all the IP addresses in my town similar, no ma...
by CTBob
Wed Aug 03, 2011 6:02 am
Forum: Personal Consumer Issues
Topic: Setting up new computer
Replies: 12
Views: 2239

Thanks all - about half of old programs reinstalled now rwwoods - I didn't have much junk to remove this time - thanks Costco sheepdog - Easy Transfer just copies stuff to the new computer - nothing changes on the old AlwaysaQ - you're right - Windows Defender's anti-spy is now part of Security Esse...
by CTBob
Tue Aug 02, 2011 2:08 pm
Forum: Personal Consumer Issues
Topic: Setting up new computer
Replies: 12
Views: 2239

Thanks rchbish99 & neo09. With your help I got the security stuff I didn't want uninstalled, the stuff I did want installed, and transferred the accounts and data from our old XP to the new Win 7. Now just have to reinstall some programs and install some peripherals. So far not nearly as bad a job a...
by CTBob
Tue Aug 02, 2011 9:03 am
Forum: Personal Consumer Issues
Topic: Does anyone here NOT like traveling?
Replies: 153
Views: 16460

My wife loves to travel. I hate the planning, the getting there and back and the paying.

BUT when I'm there I suddenly realize I'm having a great time and can't wait for the next trip.

This realization seems to get forgotten on the trip home so I again dread the next trip.
by CTBob
Tue Aug 02, 2011 8:59 am
Forum: Personal Consumer Issues
Topic: Setting up new computer
Replies: 12
Views: 2239

Setting up new computer

I bit the bullet and just bought a new Dell desktop with Windows 7 from Costco. I want it to have the same functionality as our old Gateway XP it's replacing, but I don't understand the order of doing things to make that happen. When I turned it on, Dell did some stuff automatically, so I've already...
by CTBob
Sat Jul 16, 2011 6:44 pm
Forum: Investing - Theory, News & General
Topic: Don't you wish Vanguard would....
Replies: 101
Views: 13559

I'd like my paper account statements to be more condensed and not waste so much paper and filing space. No I don't want to go electronic - I just want more efficient paper.
by CTBob
Sat Jul 16, 2011 6:36 pm
Forum: Investing - Theory, News & General
Topic: No more paper savings bonds
Replies: 207
Views: 35795

Angst wrote:Here are the links for contacting your representatives and senators:

https://writerep.house.gov/writerep/welcome.shtml
http://www.senate.gov/reference/common/ ... nators.htm
Thanks for the links Angst - I just wrote.
by CTBob
Tue Jul 12, 2011 6:24 am
Forum: Investing - Theory, News & General
Topic: Fisher Investments - 80% of investors are 100% stocks
Replies: 65
Views: 13667

Re: Fisher Investments - 80% of investors are 100% stocks

ddb wrote: I once signed up for one of his "free book" deals, and was HOUNDED by his sales team for YEARS, after repeatedly assuring them that I was comfortable managing my own portfolio.
Me too - years of phone calls and junk mail.
by CTBob
Fri Jun 24, 2011 6:16 am
Forum: Personal Consumer Issues
Topic: Best PC for $500 - $800
Replies: 45
Views: 3844

I've also been tempted by those Costco ZT systems but don't know of anyone owing one and they're not rated by Consumer Reports. Do any of you own ZTs and have knowledge of their reliability and support?
by CTBob
Sat May 28, 2011 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Sharing My I-Bond Purchase Experience
Replies: 53
Views: 7152

Has anyone else run into the "we'll only sell them to you if you have an account with us" issue? Nope - My local bank doesn't sell them so I've withdrawn cash and taken to both Citi and Peoples banks and bought I-Bonds there with no problems. (well - maybe a small annoyance as these banks tend to s...
by CTBob
Sun May 22, 2011 6:13 am
Forum: Investing - Theory, News & General
Topic: Rick's Quarterly Conference Call
Replies: 6
Views: 1820

Thanks Rick. That was well worth listening to.
by CTBob
Sun May 15, 2011 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: IBonds-Inflation Update
Replies: 3
Views: 1810

Thanks Warbucks - This addresses several I-bond questions that appear regularly on the forum.
by CTBob
Sun May 15, 2011 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance software do you use?
Replies: 76
Views: 10484

Quicken for many years (since Managing Your Money went belly-up trying to convert from DOS to Windows - too bad - I really liked MYM better)
by CTBob
Wed May 11, 2011 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Fees for Morgan Stanely Smith Barny?
Replies: 30
Views: 15500

Last October when I closed my MSSB account and moved the assets to Vanguard MSSB charged me $95 for the transfer. Some brokerages may reimburse the transfer fee (Vanguard won't). Almost wherever you move, you'll recover the transfer fee in the savings on the first investment or trade that you do. Ta...
by CTBob
Sun May 08, 2011 8:12 pm
Forum: Personal Consumer Issues
Topic: HAPPY BIRTHDAY MR. BOGLE
Replies: 28
Views: 3173

Happy birthday, Mr. Bogle and thank you.
by CTBob
Sat May 07, 2011 9:01 am
Forum: Investing - Theory, News & General
Topic: thought you might be interested in this interview
Replies: 12
Views: 1996

Great interview Larry - Thanks
by CTBob
Mon Apr 18, 2011 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: How does VG's questionnaire-based alloc. compare to yours?
Replies: 51
Views: 5494

Mine matched but I felt I was fudging answers to the questions about selling at a loss. I do sell at a loss. Not so much in panic, but to book the tax loss and reinvest in a similar asset.
by CTBob
Mon Apr 18, 2011 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds 10K Limit Question
Replies: 46
Views: 6615

My bank doesn't issue I bonds. I withdraw cash from them and carry it up the street to either of the two local banks that do. If your bank doesn't issue them, just call other local banks until you find one that does. However, as with my case, if you don't have an account with them they'll probably w...
by CTBob
Fri Apr 08, 2011 1:13 pm
Forum: Investing - Theory, News & General
Topic: interview on Seeking Alpha
Replies: 31
Views: 5254

Great interview Larry. I'm was pleased to see the tone of the discussion stayed so civil. I'd have expected more sparks given the interviewer was seekingalpha.com. You and the interviewer are both to be commended.
by CTBob
Fri Apr 08, 2011 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Tips on how to stay the course?
Replies: 27
Views: 2679

Re: Tips on how to stay the course?

libertas wrote:Do you have any hints or tips that will help me stay the course?
Three things that have helped me are:
- dropping in here periodically
- following links here to any interviews of guys like John Bogle or Rick Ferri
- attending the last Bogleheads reunion.

Good luck.
by CTBob
Thu Mar 24, 2011 7:50 am
Forum: Investing - Theory, News & General
Topic: John Bogle - Presidential Medal of Freedom?
Replies: 10
Views: 3081

I just looked up some of the past Presidential Medal of Freedom winners in Wikipedia. While probably not as widely known as many of the recipients in the arts categories, John's certainly done more to keep the financial industry on track. http://en.wikipedia.org/wiki/List_of_Presidential_Medal_of_Fr...
by CTBob
Thu Mar 24, 2011 6:56 am
Forum: Personal Consumer Issues
Topic: Getting junk calls..anything changed on DNC list?
Replies: 31
Views: 4119

Radio Shack used to sell a gadget called a Telezapper. When you or your answering machine answered the phone it sent out a tone that told the calling computer that the number has been disconnected. It really cut down the number of trash calls, but unfortunately finally broke and Radio Shack stopped ...
by CTBob
Tue Mar 22, 2011 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a new Vanguard account - help needed for newbie
Replies: 10
Views: 3206

Am I missing something or is there no big deal maintaining both a Vanguard Brokerage Account and a Mutual Fund account? I have both and see no added difficulty as a result. Me too. The money market account acts as a bridge between the accounts. Some, however, are troubled by Vanguard's multi-day de...
by CTBob
Mon Mar 21, 2011 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a new Vanguard account - help needed for newbie
Replies: 10
Views: 3206

An alternative, possibly uglier but what I did, was to transfer everything "in-kind" to Vanguard. You can do this at any time but do need a Vanguard Brokerage Service account to hold any non-Vanguard mutual funds. Then as assets go long-term (or you've got short-term losses) you can sell them at Van...
by CTBob
Sun Mar 20, 2011 7:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle - Presidential Medal of Freedom?
Replies: 10
Views: 3081

Simplegift,
I've just written my first letter ever to the White House. This is a wonderful idea, and I hope my letter joins many others. What a neat way for us to try to thank Jack.
by CTBob
Sun Mar 20, 2011 6:31 pm
Forum: Investing - Theory, News & General
Topic: Rewards Credit Card
Replies: 42
Views: 10978

Amex Costco true earnings business card has 4% on gas (but only 1% at supermarket gas stations), 3% at restaurants, 2% on travel and 1% on everything else. The cash back comes in the form of a certificate that must be redeemed at costco (for either cash or goods). +1 (but mine only does 3% on gas)
by CTBob
Sun Mar 20, 2011 5:24 am
Forum: Investing - Theory, News & General
Topic: Financial Planning magazine interviews Rick Ferri
Replies: 9
Views: 2575

Nice interview Rick
by CTBob
Thu Mar 17, 2011 7:06 am
Forum: Personal Consumer Issues
Topic: Free Larry Swedroe Bond Book.............
Replies: 13
Views: 2231

Sam, Very nice offer. Kudos! Now, if you have any signed first editions of, say, Catcher in the Rye, the Sound and Fury, Adventures of Huckleberry Finn, the Autobiography of Benjamin Franklin, and the like, you will PM me first, right? One of the fringe benefits of the Bogleheads Reunions is the ch...
by CTBob
Thu Mar 17, 2011 6:52 am
Forum: Personal Finance (Not Investing)
Topic: I got a Warning letter and e-mail from Vanguard.....
Replies: 34
Views: 7568

Yep - it happens to me every once in a while too (five times since March 2008 according to the record I keep in PasswordSafe). When it happens I get mad and intend to change my ID to something less common, but then Vanguard resets it and I get lazy.
by CTBob
Thu Mar 17, 2011 6:43 am
Forum: Personal Finance (Not Investing)
Topic: VBS and Quicken (anyone use both)?
Replies: 10
Views: 1391

Roadhog wrote:I have used Quicken for many years and have a Vanguard Brokerage account. I don't really track the money market account in Quicken - I just treat it as the account's cash balance. It's a little simpler and I don't have that many transactions.
Me too.
by CTBob
Sat Mar 12, 2011 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: What is YOUR bond/equity ratio compared to your age/horizon?
Replies: 80
Views: 13405

We're both 68 and retired. Maintaining 55/45 stocks/bonds.
by CTBob
Fri Mar 11, 2011 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: flagship status: when it happens?
Replies: 32
Views: 6737

I mostly do online transactions now, but have in the past called VG customer service a bunch of times. I've always had the phone answered promptly and dealt with knowledgeable courteous people. All this without Flagship status.
by CTBob
Tue Mar 08, 2011 3:43 pm
Forum: Personal Consumer Issues
Topic: The Umbrella Bucket
Replies: 60
Views: 9911

CaliJim wrote:I don't worry about it - I have Umbrella Insurance.
Man - I love this forum
by CTBob
Tue Mar 08, 2011 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg News, Fox Business or CNBC?
Replies: 41
Views: 7155

I most enjoy the videos that get posted on this forum, e.g. Bogle and Ferri interviews.
by CTBob
Tue Mar 08, 2011 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in a "no state income tax state"?
Replies: 101
Views: 14017

We lived in Florida for a year back in the 80's and I remember being surprised how high the electric bill was. Also making long distance calls within the state was far more expensive than making calls out of state. I concluded that Florida was taxing the utilities and they were passing it on to me. ...
by CTBob
Sat Mar 05, 2011 10:24 am
Forum: Investing - Theory, News & General
Topic: Larry takes on The Motley Fool
Replies: 39
Views: 11575

Wow - The guy arguing with Larry said "As a stock investor for the past two decades, I've gone to five main media sources of information and analysis: Wall St. Journal, Barron's, MarketWatch, TheStreet.com, and Motley Fool." That could have been me a few years ago until I found this forum and starte...
by CTBob
Sat Mar 05, 2011 10:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard hiding fees ?
Replies: 28
Views: 5981

Taylor - Thanks for the post.
Allen - That was a great article. You did the research, you talked to the sources, and you communicated like a gentlemen in pointing out all Ric's errors without actually calling him a liar or an idiot.
by CTBob
Fri Mar 04, 2011 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: I use all Vanguard Funds for portfolio. Wise? Suggestions?
Replies: 49
Views: 9837

Some of the concern over trusting a firm such as Vanguard is knowing that an auditor is watching them. However, while as an mutual fund holder/owner I remember being asked to vote for the Vanguard board of directors, I don't remember being asked to approve the auditor as I am with the stocks I own. ...
by CTBob
Thu Mar 03, 2011 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Newsletters, magazines, advice - Individual stocks
Replies: 26
Views: 2622

I think this is something that a lot of people have to go through to get out of their system. I certainly did. If it interests you and you keep the allocation in this area low, I don't think it's a problem.
by CTBob
Mon Feb 28, 2011 8:18 am
Forum: Investing - Theory, News & General
Topic: Pros & Cons of buying, holding bonds in Treasury Direct?
Replies: 7
Views: 1887

Wow - Fortunately I've been buying paper I bonds instead of using Treasury Direct because of some advice from Mel on the forum re their lack of responsibility if my account gets hacked. Thanks Mel.
by CTBob
Mon Feb 28, 2011 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Moving Accounts to Vanguard
Replies: 12
Views: 3186

I transferred two taxable accounts to Vanguard towards the end of last year. The first was from a full service broker. I used Vanguard's Concierge service and had a quick transfer and no problems except that the brokerage I left charged me a $95 fee. I'd already had a Vanguard mutual fund account, b...
by CTBob
Thu Feb 17, 2011 8:52 am
Forum: Investing - Theory, News & General
Topic: Worst radio interview ever
Replies: 49
Views: 7167

Rick - Turns out you're also a comedy writer. Thanks
JSandler - Thanks for finding and posting the link.
It's interesting to hear the behind the scenes story on these types of incidents. At least these guys admitted they pulled the plug. Sometimes the guest just gets mysteriously disconnected.
by CTBob
Tue Feb 15, 2011 11:00 am
Forum: Personal Consumer Issues
Topic: IBM's Watson on Jeopardy tonight
Replies: 210
Views: 16770

I'm enjoying this thread almost as much as the show - Thanks all
by CTBob
Tue Feb 15, 2011 9:50 am
Forum: Investing - Theory, News & General
Topic: please help troubleshoot recessed ceiling light problem
Replies: 9
Views: 5183

my circuit breaker panel is not well-labeled ... i might have been fried. We had the same problem with a mystery circuit breaker box when we moved in many years ago. I spent a weekend making up a spreadsheet indicating the breaker associated with each endpoint (e.g. "cellar northeast ceiling light"...
by CTBob
Sat Feb 05, 2011 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Exempt Bonds VWITX/VWIUX and VWLTX/VWLUX
Replies: 21
Views: 5634

I recently bought more vwsux to keep my allocations where I want them. If equity values go up a bit more and fixed asset values continue to decrease I may soon have to buy more vwiux also. This is always a painful thing to do. Especially as the trends continue.
by CTBob
Sat Feb 05, 2011 11:51 am
Forum: Investing - Theory, News & General
Topic: Bill McNabb’s Lecture
Replies: 12
Views: 3008

Thanks for taking the time to summarize this talk DartThrower. I'm looking forward to the video if Vanguard will allow it.
by CTBob
Wed Feb 02, 2011 11:46 am
Forum: Investing - Theory, News & General
Topic: EasyAllocator.com no longer around?
Replies: 25
Views: 8664

Wow - I'd not been aware of this site before. I guess I'm glad it was down for a while so people could discuss it. Thank you.
by CTBob
Fri Jan 21, 2011 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Annoying and costly AT&T trick
Replies: 26
Views: 5041

Update - Called AT&T and they've credited the calls and blocked "data" access. The good news is we won't get all these "data" charges anymore. The bad news is that blocking data also blocks photos. We'd probably get a new grandchild photo every few months but they're considered "data" also. AT&T doe...
by CTBob
Fri Jan 21, 2011 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Annoying and costly AT&T trick
Replies: 26
Views: 5041

My wife had a few such data charges on the last few bills. We called AT&T and they credited them, told her she was accidentally accessing the internet and told her how to lock her phone so it wouldn't happen again. We thought we were in good shape until the new bill arrived yesterday - 10 more "data...