Search found 191 matches

by Retired1809
Sat Jun 09, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5632

Re: Jack Bogle on Fox Business Channel Friday June 8

I did hear Mr. Bogle make one mistake: He attributed the quote "Simplify, simplify, simplify" to Emerson instead of Henry David Thoreau.

(I'm sure that Maria caught it as well, but alas, she was too high-class to correct his mistake on air .... LOL)
by Retired1809
Fri Jun 08, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5632

Re: Jack Bogle on Fox Business Channel Friday June 8

Frankly, I was surprised that (a) Jack agreed to be on this Fox program and, (b) that Maria chose to have him as a guest. Unfortunately, most of her guests are closely associated with Wall Street. But when she began her questions loaded with the oft-repeated criticisms of indexing, I understood. I t...
by Retired1809
Fri Jun 08, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5632

Re: Jack Bogle on Fox Business Channel Friday June 8

cfs,
Thanks a million! Your instructions were perfect.


I would recommend that an FAQ be added on this topic.
by Retired1809
Fri Jun 08, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5632

Re: Jack Bogle on Fox Business Channel Friday June 8

The program is scheduled to be re-broadcast on the Fox Business Network at the following times (all Eastern daylight savings times on Saturday: 3 am, 5 am, 9 am, 8 pm; and on Sunday at 7 am and 9 am and 8 pm.

I'm still hoping to learn how to change my password. Thanks in advance.
by Retired1809
Fri Jun 08, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5632

Re: Jack Bogle on Fox Business Channel Friday June 8

Excuse me, how do I change my password???

I haven't found a FAQ on this. Every time I try to log on, I have to ask for a new password and this is frustrating. Help, please?
by Retired1809
Wed Feb 21, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 1900

Re: Cedar Roof

The life of a cedar shake roof can vary widely depending on its environment. Best to have full sun on all sides of your house so that the shakes can thoroughly dry after a rain or snowfall. The life of a cedar shake roof surrounded by trees will almost certainly be shortened. I've seen cedar shake r...
by Retired1809
Sat Feb 17, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 5873

Re: Best plants to grow to save money for food costs

Would be helpful to know your location and zone.

But imo, I'd recommend Swiss Chard. Google it.
by Retired1809
Thu Feb 08, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3066

Re: Best BBQ in Austin

Why not?
by Retired1809
Thu Feb 08, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3066

Re: Best BBQ in Austin

The best BBQ in Austin is BBQ Fedex'ed in from North Carolina.

None better than Stephenson's BBQ in rural Johnston County (Benson address)
by Retired1809
Sun Feb 04, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12201

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I was too late to the party but who needs it? I'm perfectly happy with my Quicken 2000 CD that I received free from Citibank in 2000. I've used it on half a dozen computers or more.

My Quicken is $0 cost every year.

"If it ain't broke, why fix it?"
by Retired1809
Sun Feb 04, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20078

Re: For BHs who actually like cars - what is your daily driver?

2004 Subaru Forester. Original owner. 92,000 miles. Low expense ratio, original cost of new car was $18,000. Only other costs are tires, batteries, fluid changes. And this car is a low-profile car, not attracting attention. And consistent with my practice of living beneath my means and sharing gener...
by Retired1809
Wed Jan 31, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients
Replies: 36
Views: 3240

Re: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients

I wanted to correct my previous post: ost by HikerNC » Wed Jan 31, 2018 11:16 am There's a typical B of A "gotcha:" The $900 bonus incentive is ONLY for existing Preferred Rewards clients. For folks who aren't currently preferred rewards clients, the bonus incentive is $600 (which is not chopped liv...
by Retired1809
Wed Jan 31, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients
Replies: 36
Views: 3240

Re: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients

There's a typical B of A "gotcha:" The $900 bonus incentive is ONLY for existing Preferred Rewards clients. For folks who aren't currently preferred rewards clients, the bonus incentive is $600 (which is not chopped liver). The source for my statements is from a "chat" online with a Merrill Edge rep...
by Retired1809
Tue Jan 30, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 11271

Re: Wall Street to Vanguard: We’re Not Your Doormat

Wall Street to the investing public: Our business model depends on fees, fees and more fees. If you choose to buy low-cost Vanguard funds, we're still going to try to charge you fees, fees and more fees.

Moral of story. Go directly to Vanguard and skip the middlemen.
by Retired1809
Tue Jan 30, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients
Replies: 36
Views: 3240

Re: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients

What does Merrill Edge charge to buy or sell no-load mutual funds other than NTF? Do Premier level customers get any free mutual fund trades? And is there a list of their NTF funds somewhere?
by Retired1809
Sun Jan 28, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 4807

Re: Certified Used BMW, Audi or Mercedes

"Certified preowned" means just that. They're certifying that it's a used car. That's all.

Ask the used car dealer to give you in writing what they're guaranteeing. nada.
by Retired1809
Fri Jan 26, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5772

Re: Accountant Recommends doing Whole Life Insurance

And if you're single, who's depending on you for income in the event you die?? This questions the need for ANY life insurance, even pure term insurance.
by Retired1809
Fri Jan 26, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5772

Re: Accountant Recommends doing Whole Life Insurance

1. KPMG executives (including head of their auditing operation) indicted for stealing game plan of their regulators.
2. Your accountant recommended buying whole life.

Not a good week for the accounting industry.
by Retired1809
Fri Jan 26, 2018 5:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5259

Re: Happy Birthday, Taylor!

Belated Happy Birthday Greetings to you, Taylor.

You're to personal finance what Michael Jordan (fellow Tar Heel) is to basketball.

There will never be another "you."


Best wishes!
by Retired1809
Thu Jan 11, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 7188

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Kev, You've now provided additional relevant information. A guaranteed lifetime income that is presumably adjusted for inflation is a valuable asset to say the least. I have no idea what the value of your VTSAX portfolio is but knowing that you'll have a guaranteed stream of income is information th...
by Retired1809
Thu Jan 11, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 7188

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

If your portfolio is 100% stocks and you're over 50 years old, I suggest you watch this PBS Frontline special from 2013:

https://www.youtube.com/watch?v=A3htnbwFgoM
by Retired1809
Sun Nov 26, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2393

Re: Broker account security compendium thread

Question:

If a thief steals assets from a retirement account held at a financial institution, who suffers the loss?

a. The financial institution.
b. The customer.

What's the answer?
by Retired1809
Sat Nov 25, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 966505

Re: What Book Are You Currently Reading? Part VI

Upon hearing Michael Lewis (author of Moneyballll, The Big Short, etc.) list it as one of his favorite three books of all time, I read A Confederacy of Dunces," by John Kennedy Toole. And yes, it's hilarious. ROFL funny at times. The forward by Walker Percy explains so much.
by Retired1809
Tue Jul 04, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 3454

Re: John Deere series 100 lawn tractors

I agree that mowers built before 2000 are better than today's. I bought a used 1998 self-propelled walk-behind MTD with a 6 1/2 HP B&S engine three years ago (for $85 at a yard sale) and it's the best mower I've ever owned! It's a shame we can't buy new mowers with that quality. I believe that it he...
by Retired1809
Sun Jul 02, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Am I nuts? Buy dividend paying stocks to pay down LOC?
Replies: 13
Views: 1694

Re: Am I nuts? Buy dividend paying stocks to pay down LOC?

Pay off the LOC.

Interest obligations are certain.

Dividends at the levels you mentioned are suspect. The market is telling you that it doubts the continuation of such dividends; otherwise, the prices of the stocks would be higher.
by Retired1809
Sun May 21, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 4425

Re: Should I sell my business?

From what you report about your financial position, I take it that you haven't been earning this kind of income for many years. For instance, you don't have commensurate assets and you even owe $22k on a minivan note. Before you decide to sell your business and relocate, I would recommend sitting do...
by Retired1809
Sun May 14, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 5303

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

This appears to be a re-broadcast of the same two-night series (with Richard Dreyfuss) that aired on ABC network in 2016. The best thing about it was the focus on the whistle blower (Harry Markopolos) who attempted to tip off the FBI but to no avail. Neither the FBI nor the SEC came off as qualified...
by Retired1809
Mon May 08, 2017 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 70
Views: 6492

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

Happy Birthday, Jack!

When anybody asks about the meaning of the Golden Rule, you will always be "Exhibit 1."

Thank you for making such a difference for investors everywhere.
by Retired1809
Sun Apr 02, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: FreedomPop Mobile Phone & Internet Service
Replies: 6
Views: 886

FreedomPop Mobile Phone & Internet Service

Does anyone have any experience or knowledge about FreedomPop Mobile Phone & Internet Service? Last week, I invested $1 to get a LTE SIM Kit (3-in-1 Voice/Data Bundle) as well as an 8 GB microSD card and free trial of FreedomPop Premium service. They claim that customers have the option to downgrade...
by Retired1809
Sat Mar 18, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 7044

Bogle Interview on CNN Today - Link

[Merged HikerNC's thread and its replies into this existing thread - moderator prudent] I hope this doesn't break any rules but I'm posting a link to an excellent interview with Jack Bogle that aired on CNN this morning. http://www.cnn.com/videos/tv/2017/03/18/bogle-100-economics-0-emotions.cnn Hop...
by Retired1809
Tue Feb 28, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 8187

Re: Fidelity drops equity trade fee to $4.95

I'd like to see Fidelity BrokerageLink drop its fees on non-NTF open-end mutual funds, now at $49.95 in my retirement plan that doesn't allow trading ETFs or stocks. Why the huge disparity?
by Retired1809
Sun Feb 26, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why is only 92.8% of VTI 2016 dividends qualified for favorable tax treatment?
Replies: 3
Views: 873

Why is only 92.8% of VTI 2016 dividends qualified for favorable tax treatment?

For 2014 and 2015, 100% of Vanguard's Total Stock Market (either in Admiral shares or VTI) were classified as Qualified (resulting in favorable income tax treatment compared to nonqualified dividends) on Vanguard's 1099-Div. However in their 2016 1099-Div, only approx. 92.8% were qualified (again in...
by Retired1809
Sun Feb 26, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Donating Vanguard Admiral shares to Fidelity Charitable
Replies: 11
Views: 1458

Re: Donating Vanguard Admiral shares to Fidelity Charitable

No, don't call Vanguard. And you can accomplish your goals online yourself: First, transfer your security from your Vanguard account into your Fidelity brokerage account; you can do this yourself online at Fidelity. Second, after the transfer has happened, donate the security from your Fidelity brok...
by Retired1809
Thu Feb 23, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 97425

Re: Bank of America/Merrill Edge - Preferred Rewards

Thinking ahead, what is the fee to close or transfer either a Roth IRA or a non-retirement Bank of America Merrill Edge account down the road?

Do they offer free safe deposit boxes?
by Retired1809
Tue Jan 31, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund options
Replies: 23
Views: 2019

Re: Doner Advised Fund options

I too like Fidelity's lower minimums. And Fidelity makes it extremely easy for the customer to transfer securities from a Fidelity brokerage account to the Fidelity DAF. And Fidelity has repeatedly demonstrated a depth of support in DAFs. IMO, Fidelity has won this niche - game, set, match. Until Va...
by Retired1809
Mon Jan 30, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Health Reimbursement Arrangements again allowed for Small Businesses
Replies: 1
Views: 566

Health Reimbursement Arrangements again allowed for Small Businesses

The Wall Street Journal has published an article about how small businesses (defined as those with fewer than 50 employees) can once again establish deductible Health Reimbursement Arrangements: http://www.wsj.com/articles/tax-report-some-rare-good-news-for-small-businesses-paying-employee-health-co...
by Retired1809
Sun Dec 18, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Funds in Portfolio
Replies: 45
Views: 7588

Re: Stable Value Funds in Portfolio

Regarding risk of stable value funds - especially from TIAA:

I know of medical school professors who have 2 or 3 million bucks in TIAA Traditional. Even former Fed Chair Benecke said that the TIAA Traditional was his largest retirement asset.

Must be a "sleep-well" investment!
by Retired1809
Sun Dec 18, 2016 1:33 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Funds in Portfolio
Replies: 45
Views: 7588

Re: Stable Value Funds in Portfolio

Risk associated with stable value fund?? I seldom hear any discussion of the risks of stable value fund, namely the ability of the issue to pay. There's no FDIC coverage or even implicit promise by any government agency to protect investors in stable value funds. I would do a lot of due diligence on...
by Retired1809
Wed Dec 14, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 39125

Re: Fidelity free Turbotax

The offer was shown on my Fidelity account home page yesterday but I didn't have time to download it yesterday. Today, however, the offer now longer appears. I suppose it will show up again in January 2017.
by Retired1809
Mon Dec 12, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 51
Views: 5526

Re: Quitting Job to Start a Business

Drew, Thanks for the followup. And congrats on the success of your "new," new business idea. You're in the ideal situation where you have dependable income from your government job as well as a separate income stream that, while not as dependable, can possibly grow. But again, as I said earlier, don...
by Retired1809
Mon Dec 05, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 7802

Re: Best printers for home use

After resisting leaving HP Laserjet4, I finally bought a Brother monochrome All-in-one about a year ago. My only regret is that I didn't buy the Brother sooner. If you make lots of copies, be sure to get one that uses the TN-660 black-and-white ink cartridge ("Yields up to 2,600 pages") and I've als...
by Retired1809
Mon Nov 14, 2016 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Will Stable Value Interest Keep up with Inflation
Replies: 3
Views: 959

Re: Will Stable Value Interest Keep up with Inflation

Anqiqueman, You are fortunate to have access to a stable value fund. In my opinion, while SV funds can be a key component to a portfolio, ones "overall asset allocation" (including both retirement and non-retirement assets) should contain at least 20% in diversified equities. But risk aversion is pe...
by Retired1809
Mon Oct 31, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: Required Minimum Distributions for 2016
Replies: 6
Views: 1028

Re: Required Minimum Distributions for 2016

I like to keep at least the current year's RMD in a money market fund as this money really isn't "investment-worthy" unless it's in something like the TIAA guaranteed account or other stable value account.
by Retired1809
Sat Oct 29, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 51
Views: 5526

Re: Quitting Job to Start a Business

I agree with most of the suggestions you've received already. But I would add a suggestion that you evaluate how much longer you might need to stay with your government employment to qualify for vested retirement benefits. For example, if by hanging on just one more year you would create a vested, p...
by Retired1809
Fri Oct 28, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Premium "Hold Harmless Provision" for 2017
Replies: 3
Views: 1284

Re: Medicare Part B Premium "Hold Harmless Provision" for 2017

I am not new to Medicare. I am currently subject to IRMAA.
by Retired1809
Fri Oct 28, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Premium "Hold Harmless Provision" for 2017
Replies: 3
Views: 1284

Medicare Part B Premium "Hold Harmless Provision" for 2017

From http://www.medicareinteractive.org : Each year, the Centers for Medicare & Medicaid Services (CMS) sets the following year’s Part B premium. In 2016 the Part B base premium will be $121.80. this includes a $3 surcharge amount as a result of the budget agreement which reduced the premium increas...
by Retired1809
Fri Oct 21, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 4174

Re: Replacement Windshield Wiper Blades

I've never replaced the windshield wipers on my 2004 Subaru that I bought new. I'm convinced that the original equipment outlasts replacements but I've been surprised how long mine have lasted. Disclosure: My car is garaged most of the time. My car is over 12 years old and has approx 90,000 miles. I...
by Retired1809
Tue Sep 20, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 7999

Re: "Women and Investing" class offered by Employer

Consuela Mack often features discussions of issues particularly of interest to women in her weekly PBS show Wealthtrack:

http://wealthtrack.com/women/
by Retired1809
Fri Sep 09, 2016 6:22 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 12381

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Wells Fargo has long prided itself in its ability to cross sell additional services to its banking customers. One could say they wrote the book. They incentivized employees to cross sell. And if you reward employees for opening additional accounts for existing customers without proper controls, you'...