Search found 426 matches

by brainstem
Mon Feb 01, 2021 12:29 pm
Forum: Personal Consumer Issues
Topic: Scottish Single Malt vs Domestic Blend Scotch Recommendations
Replies: 39
Views: 3668

Re: Scottish Single Malt vs Domestic Blend Scotch Recommendations

For some reason the Macallan 12 yr double cask is cheaper
and for good reason -- not nearly as satisfying as Macallan 12
by brainstem
Thu Jul 30, 2020 9:55 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 47
Views: 4518

Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again

If you use VG accounts for a trust fund, it is important to be able to write checks on the trust assets to pay expenses like an accountant
by brainstem
Sun Jun 28, 2020 7:00 am
Forum: Investing - Theory, News & General
Topic: Outlook on Muni Funds
Replies: 14
Views: 1615

Re: Outlook on Muni Funds

As they say ... you can’t invest in nothing.
In times like these, you often have to pick the cleanest shirts from the dirty laundry.
by brainstem
Fri Jun 12, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard alters some inv grade bond fund restrictions
Replies: 49
Views: 2701

Investment grade bond funds

[Merged into ongoing discussion -- moderator oldcomputerguy] Vanguard has announced it is increasing acceptance of more B level bonds as investment grade: Dear Shareholder: We are writing to let you know about a change to Vanguard Short-Term Investment-Grade Fund, Vanguard Intermediate-Term Investm...
by brainstem
Sun May 24, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 73
Views: 8035

Re: Hertz is declaring bankruptcy

Pre COVID i tried to rent a car from Hertz in Phoenix. It was a third world chaotic experience. I eventually gave up and took a Uber. I left wondering what the heck happened to this former beacon of business travel. Compared to Enterprise, it was a shabby, threadbare consumer experience.
by brainstem
Mon May 18, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 8126

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

Some posters are writing that rates are low because there is a huge demand for the product ..... Well not exactly --- the big customer has been the fed to the point of their purchasing of debt is called "financial repression" https://www.forbes.com/sites/billybambrough/2020/04/13/donald-tr...
by brainstem
Mon May 18, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 8126

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

Always go to Vanguard.

https://investor.vanguard.com/mutual-fu ... o-holdings
Ok -- so why are there some very long term holdings in the ultra short term list -- out to 2050 and beyond?
Is there something more to this list - like ongoing refunding?
by brainstem
Fri Apr 24, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: If you have won the game, how much risk do you take?
Replies: 78
Views: 7234

Re: If you have won the game, how much risk do you take?

An expert that I respect immensely told me recently that if you have 33x expenses, you have won the game and why take the risk. John Bogle advised me in 2018 that if I decided to reduce my stock percentage, i could but I should not go below 30% stocks. Who knows what the correct answer is? At the e...
by brainstem
Mon Mar 02, 2020 11:57 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200423

Re: Bogleheads community discussion - Coronavirus

Points of reference: MERS is not especially contagious - hence its low transmission (lives in camels - avoid camel rides!)' SARS tends to be a severe pneumonia - not much of a low grade infection - so cases can be isolated' Covid is transmissible and causes mild infections early and in many - a grea...
by brainstem
Wed Feb 26, 2020 12:35 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22826

Re: What did you learn from the 2/24 sell off?

I learned once again that there are market inefficiencies -- namely Wall Street is complacent about the threats (of the corona virus) and when they could no longer ignore the threat, everyone rushed to the exit -- Sort of like the crash of 2008-9 when everyone ignored the warning signs of the debt d...
by brainstem
Mon Feb 03, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 63299

Re: Books that changed your life

Winning the Losers Game
by brainstem
Sun Feb 02, 2020 4:41 pm
Forum: Personal Investments
Topic: TIAA 401(k) -> Fidelity IRA rollover
Replies: 24
Views: 1442

Re: TIAA 401(k) -> Fidelity IRA rollover

Personally I would leave them at TIAA for potential conversion to TIAA Traditional, which in mind, is a very good product. Also later you have the option of moving the institutional fund to the corresponding CREF product so that you can annuitize everyone should be aware that TIAA has changed its i...
by brainstem
Mon Jan 13, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Frustrating PCP/insurance issue
Replies: 13
Views: 1178

Re: Frustrating PCP/insurance issue

would work through the MD office - it is his business to get paid!
by brainstem
Mon Jan 06, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2965

Re: Traveling to Japan for first time

If you spend any time in Japan - must get a rail pass - great book - Japan by Rail https://www.amazon.com/Japan-Rail-3rd-route-guides/dp/1905864396 Get the pass at the airport and it pays for the trip to and from downtown Give you almost unlimited use of the high speed train system in the country (e...
by brainstem
Fri Jan 03, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: The Death of The Stretch IRA
Replies: 153
Views: 11364

Re: The Death of The Stretch IRA

Non-spouse inheritance rollover (stretch) IRAs have only been around since 1/1/2007, I.e. for 12 of the 45 years IRAs have been around.
This is not correct -- I have had a stretch IRA since 1997 ... has been around for a long time
by brainstem
Tue Dec 31, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3809

Re: New Zealand Train trip

Queenstown and side trip to Milford Sound by bus
by brainstem
Tue Dec 31, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3809

Re: New Zealand Train trip

I just took the train from Christchurch to Picton - relaxing and picturesque Train arrives in Picton right next to the ferry to Wellington You can rent a car in Picton to explore the the north part of the south island or just hop on the ferry to Wellington The TransAlpine railroad from Christchurch ...
by brainstem
Thu Nov 21, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 85
Views: 8734

Re: Spending money to make travel easier and luxurious?

We do not go for the high end hotels
Rather we look at mid to upper mid range and then spend extra for a larger room
A large, comfortable room/suite is worth more to us than a smaller, high end room
by brainstem
Thu Nov 21, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 85
Views: 8734

Re: Spending money to make travel easier and luxurious?

Time and money are always interesting variables Mix in your age and resiliency So -- taking a 8-12 hr flight overseas -- fly business with a bed seat could mitigate jet lag and give you a more productive day on arrival (what is the value of that day to your travels?) Airport lounges - comfort, produ...
by brainstem
Tue Oct 22, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 76
Views: 6849

Re: Vanguard checking -- Use it or lose it

same thing happened to me -- but I did not get an email - no contact from my rep they might have sent an mass mailing that I did not see I did not get a direct contact from my Flagship rep I caught the problem by being paranoid and checking to see if they had changed bank intermediaries I was royall...
by brainstem
Fri Aug 23, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What do people do with finances as they approach very old age?
Replies: 17
Views: 3190

Re: What do people do with finances as they approach very old age?

Part of the problems with cognitive deficits in aging is that the affected person is often unaware of the deficits (a blessing and a curse). Lots of stories of aging businessmen going to work everyday and managing papers given to them by staff while others actually run the company. Then there is the...
by brainstem
Thu Aug 22, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 71
Views: 4439

Re: Chicago - What to see, do & eat in two days

Walk across the Michigan Avenue Bridge - one if the great vistas in the world

Take in Chicago Theater .. a seedbed for NY

Music clubs
Kingston Mines, old town folk center, city winery, etc

Go to Chicago Reader on line and find events
by brainstem
Thu Aug 22, 2019 2:13 pm
Forum: Personal Investments
Topic: Vanguard Change to Personal Adviser Services
Replies: 29
Views: 3035

Re: Vanguard Change to Personal Adviser Services

Another reason to use PAS:

You are trustee of a trust fund for a minor:
An inexpensive was of demonstrating proper fudiciary oversight if challenged at a later date
by brainstem
Wed May 08, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Bandon, Oregon Golf
Replies: 10
Views: 1135

Re: Bandon, Oregon Golf

Was there last year
Not for marginal golfers (hcp> 18)
As gorgeous a golf setting you can find
Lots of walking - so ortho/copd/heart pts be aware
Caddies useful to understand greens
Tough walk if carrying or pushing cart
No electric carts
Off the grid
by brainstem
Fri Feb 01, 2019 12:15 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 13435

Re: We won the game, went to 50/50, but it just doesn't feel right

Remember Jack Bogle's comment in the last few months:
Half the time I think I am in too much equity, half the time I think I am in too little.... so I must be close to the right allocation.
by brainstem
Fri Dec 15, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 2619

Re: Japan in summer

Also ..if in Kyoto consider a day trip to Nara ... very worthwhile but not for overnight .. use rail pass to and from.
by brainstem
Fri Dec 15, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 2619

Re: Japan in summer

Ignore comment about transport in from airport Key thing is to get your japan rail pass at the airport when you arrive ... it is good for the train to Tokyo and goes to several major stops in town. Might also get an internet hot spot at the airport ..not very expensive and can help you navigate whil...
by brainstem
Fri Oct 27, 2017 7:02 am
Forum: Investing - Theory, News & General
Topic: Morningstar responds to Wall Street Journal article
Replies: 23
Views: 4409

Re: Morningstar responds to Wall Street Journal article

Morningstar stars

wine spectator ratings

Meh --- marketing devices more than quality guides
by brainstem
Fri Jul 28, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 4563

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

One caveat --

rush hour "surge pricing" - uber can be way more expensive than a taxi -- recently wanted to go to OHare and the quote for Uber was $20 more than the average taxi ride --- I went taxi that afternoon
by brainstem
Thu Apr 20, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 78
Views: 10580

Re: Tips on Uber

on short trips, I do not tip
on long trips, I do --- when Uber saves me 50%+ over a taxi ($20 vs $45+), I give the driver a $5 tip if the service is good - and it usually is

examples -- hotel to the airport in Orlando, DC to BWI etc
by brainstem
Wed Mar 15, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 4594

Re: Anyone subscribe to Barron's?

Got a year for free from airline points ... reviewed the issues ... found little information that I could not get elsewhere on the net for free.

Like Forbes, Fortune, Value Line --- their information is no longer sufficiently unique in the era of the net.
by brainstem
Wed Feb 22, 2017 4:13 pm
Forum: Personal Investments
Topic: Open vanguard CD Order
Replies: 32
Views: 4130

Re: Open vanguard CD Order

This issue came up for me recently and I checked with my advisor I think they changed their process or software -- supposedly does not now clear until the date of sale or issue In the past, it would register immediately Mine cleared a day or two after my call It was/is confusing and not sure why the...
by brainstem
Fri Jun 19, 2015 5:45 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 7413

Re: New to Golf

Advice on lessons ... Too often the teacher can overwhelm with suggestions.

My few lessons ... I asked the instructor to fix one or two elements (hip tilt, grip, downswing angle) .... Work on them and then find another one or two to work on.
by brainstem
Thu Feb 26, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 17520

Re: physicians [Frustrated, considering early retirement]

It appears people got into medicine with unrealistic expectations. I have seen folks who power through their training and then come to realize that the work is about the same with more accountability. If you got through school and clinical training with gritted teeth, work life is bound to be disapp...
by brainstem
Tue Nov 11, 2014 9:24 pm
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 17947

Re: Your favorite classic toys for kids

Stratego

Old matchbox and dinky toys ....
by brainstem
Mon Aug 11, 2014 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 10975

Re: Fear of Disclosing Net Worth

Our Wells Fargo bank rep knows details of our bank account. These institutions have strong privacy rules. jdb -- I would strongly suggest you read the privacy rules of Wells -- it probably gives them the right to share your data with business partners ---- how do you define such a strong privacy sa...
by brainstem
Sun Aug 10, 2014 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 10975

Fear of Disclosing Net Worth

Many on this board are worth a well over a million dollars. Lately my wife and I have considered a retirement review by TIAA-CREF - but I am reluctant to disclose our total assets to a corporate entity. All of them have vaguely worded releases that allow them to share your data. I am concerned that ...
by brainstem
Fri Aug 08, 2014 9:05 pm
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 8549

Re: Oldest age to start medical school?

Med school is not so bad ... It is the residency that hits hard. My residency was in the transition from the old school days ... Worked hard, the hospital supported us ... A true formative experience during the first year ... But I was 25 .... To have done that in my 30's with kids at home ... Not s...
by brainstem
Fri Aug 08, 2014 7:58 am
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 15408

Re: Attitudes toward inheritances.

For those planning or potentially sharing an estate with other family members -- a great book is Beyond the Grave --- reviews all sorts of unintended pitfalls and bad dynamics associated with estates. An easy but useful read
by brainstem
Fri Aug 08, 2014 7:55 am
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 15408

Re: Attitudes toward inheritances.

So I had an uncle with no children - a lovely man. He had been successful for a large US corporation and I thought he might leave me some money as his sister's only child. As they got older, I visited once and his wife complained bitterly about an ambulance bill after she had had a stroke. I figured...
by brainstem
Thu Jul 31, 2014 6:45 am
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 2555

Re: Two days in Little Rock, AR - What to do and see?

Dinner at south on main ... Tasty and reasonable ... Or Terry's finer foods ... More upscale French bistro.
Big orange for Burgers ... But do turkey burgers.

Check prices but the Capitol hotel is often only a few dollars more than the usual chain and a treat to stay at.
by brainstem
Mon Apr 21, 2014 3:24 pm
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 12998

Re: Good scotch recommendations, where to buy

Highland Park 12

A true Boglehead scotch .. Value/quality
by brainstem
Thu Mar 27, 2014 8:40 pm
Forum: Investing - Theory, News & General
Topic: Are master limited partnerships worthwhile?
Replies: 25
Views: 3088

Re: Are master limited partnerships worthwhile?

Paperwork every April is such an annoyance , they lost their luster in my house.
by brainstem
Sat Mar 22, 2014 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 16377

Re: Options for the medical grad but no residency

This situation is hard to fathom. I have met mds in consulting without residency ... But their clinical input is negligible ... No street credibility. Lower level Heath jobs have substantial requirements given liability issues etc. My sense is that y'all have posted here as a Hail Mary pass as local...
by brainstem
Thu Feb 20, 2014 9:10 pm
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 52
Views: 7367

Re: What to do in Austin, TX

Two words:
Continental club

ESP the upstairs venue ... Wonderful local talent doing acoustic

Hot club of cowtown, Kelly Willis, James McMurtry ........
by brainstem
Fri Jan 31, 2014 7:32 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 31
Views: 2633

Re: Visiting NYC (New York City)

Ps
The Javitts center is in the middle of nowhere
Essentially no parking
No subway

More or less you have to cab or walk a pretty long way.
A New York pain in the tuckus.
by brainstem
Fri Jan 31, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 31
Views: 2633

Re: Visiting NYC (New York City)

So best cheap deal on a nice day

Take the 7 th ave irt ... The 2 or 3 train to Clark street in Brooklyn

Get out on Clark street and go west 3 blocks to the promenade

The best view of NYC you cannot buy because it is free.
by brainstem
Sun Jan 26, 2014 8:31 pm
Forum: Investing - Theory, News & General
Topic: Who invests in Total International Bond Index Fund?
Replies: 36
Views: 4254

Re: Who invests in Total International Bond Index Fund?

I have some money here ... But it is interesting that in the annual report booklet from vanguard on the international bond index fund, the fund manager recommended that 20% of bond holdings should be in international bonds. I thought that was a pretty bold statement and a bit out character for a van...
by brainstem
Fri Jan 17, 2014 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 13498

Re: Biggest regrets in your life in financial investment?

Not my error but that of a friend ..

Sold his company for stock that was given to all the partners.
The buying company quickly got into trouble and the stock became almost worthless.

The sellers not only lost money, but owed taxes on the sale of the company at the sale price .
A true double hit.
by brainstem
Fri Jan 17, 2014 7:35 am
Forum: Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 6327

Re: vanguard quality of service

For the most part, I have been satisfied with Vanguard service ... Has gotten some better over the last year or two. But one item was a total Fubar ... Tried to have a reimbursement from Europe wired to a money market account ... Complete fiasco .... After several months ... Going to have a check ma...