Search found 131 matches

by stilts1007
Fri Nov 30, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Children's Books for Gifting
Replies: 16
Views: 791

Re: Children's Books for Gifting

My kids are 2 and 4 so I can't speak much to the older end of the spectrum, but they both love the Elephant & Piggy series of books by Mo Willems. Simple, clever, heartwarming stories. My 6-year old nephew still loves them (they are good practice for learning to read, too).
by stilts1007
Wed Nov 14, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Cost basis not ACTUALLY switching to SpecID?
Replies: 9
Views: 1007

Re: Vanguard - Cost basis not ACTUALLY switching to SpecID?

UPDATE:
Don't know if it was the email I sent (I never got a reply from anyone) or just a couple more days of waiting but the cost basis is fixed now on all 5 of my funds. Hooray!
by stilts1007
Mon Nov 12, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Cost basis not ACTUALLY switching to SpecID?
Replies: 9
Views: 1007

Re: Vanguard - Cost basis not ACTUALLY switching to SpecID?

If you sold any shares in any of the funds when it was listed as average cost basis, then all shares will be changed to have the same cost basis and Vanguard will list that as the basis. Any purchases made after the switch to Spec ID will list the specific cost basis on those newly purchased shares...
by stilts1007
Sat Nov 10, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Cost basis not ACTUALLY switching to SpecID?
Replies: 9
Views: 1007

Re: Vanguard - Cost basis not ACTUALLY switching to SpecID?

Thanks for the replies. I tried digging pretty deep on the website for info on whether it would switch or not. The stuff I saw seemed to say you could switch any time up until you want to sell. The fact that 1 of the 5 funds switched correctly is extra confusing. Just seems like calling it SpecID wh...
by stilts1007
Sat Nov 10, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Cost basis not ACTUALLY switching to SpecID?
Replies: 9
Views: 1007

Vanguard - Cost basis not ACTUALLY switching to SpecID?

I opened a taxable account with Vanguard in Dec 2012 and had always just had my cost basis listed as average cost. I switched my cost basis method about a month ago for all 5 of the funds I own to SpecID (may be selling some funds at some point to rebalance or TLH). For a while the website said that...
by stilts1007
Mon Oct 29, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Anyone using Pillpack?
Replies: 12
Views: 1981

Re: Anyone using Pillpack?

CVS now uses PillPack (or a similar service), but through the mail order, I think (not for local pharmacy pickup, but not 100% sure, plus a lot of this is in flux). Apparently there is no extra charge beyond "regular" billing for prescriptions. But vitamins/OTC are probably more, if someone usually...
by stilts1007
Sat Oct 20, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4902

Re: Beer - Strong German Style Lagers

Where in the US are you located? A big advantage of American-brewed beer vs imports is it is often fresher, so local options may be best. You also mention "strong" German-style lagers - are you referring to German bock beers, which are often darker, sweeter, & much higher alcohol content? Or just a ...
by stilts1007
Sun Nov 13, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 5654

Re: CVS Caremark sends unauthorized prescriptions

Do you really think that the retail pharmacists care? If I were to use the local CVS store, it takes me no less than 20 minutes in line to DROP-OFF my prescriptions. So I have to sit in the line 8-12 people deep while the pharmacy technician is discussing her weekend with an elderly patron. That is...
by stilts1007
Sat Nov 12, 2016 2:08 am
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 5654

Re: CVS Caremark sends unauthorized prescriptions

2. My doctor told me this year that she could only do prescriptions by the internet direct to my pharmacy via their special drug site. She said most pharmacies are no longer taking hand written med prescriptions. She said giving me a hand written script would be worthless. We (retail pharmacies) ab...
by stilts1007
Thu Nov 10, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

Just had Firestone Walker Velvet Merlin. Wonderful oatmeal stout! originally Velvet Merkin, but the board which approves labels wouldn't approve the name. http://www.firestonebeer.com/beers/products/velvet-merkin http://www.firestonebeer.com/beers/products/velvet-merlin-fall-and-winter They do rele...
by stilts1007
Thu Nov 10, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 5654

Re: CVS Caremark sends unauthorized prescriptions

They contacted the doctor by themselves inspite of me telling them specifically not to send more than 2 months, regardless of what the doctor says. What I was asking here was.. if I send them a prescription for 2 months and authorize them for that, can they just call my doctor and increase the dosa...
by stilts1007
Sun Dec 13, 2015 11:37 pm
Forum: Investing - Theory, News & General
Topic: [Third Avenue liquidates its high-yield bond fund]
Replies: 130
Views: 12096

Re: Bond Return and Risk

Bogleheads: It is very misleading that bonds are usually ranked by their return --not their risk . Bonds are for safety. Bond risk is much more important than past returns. The recent plunge in hi-yield/junk bonds is a good example of how reaching for high bond return is dangerous. I'm perfectly ha...
by stilts1007
Thu Nov 12, 2015 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Tax Implications of Continuous Contributions
Replies: 7
Views: 1339

Re: Tax Implications of Continuous Contributions

If you are planning on investing with Vanguard (I'm guessing from the ticker symbol you used that you are), they have 3 cost basis options available, detailed here: https://investor.vanguard.com/taxes/cost-basis/methods Personally, I use average cost method as it is simpler, and I plan to hold every...
by stilts1007
Mon Nov 09, 2015 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC on starter home for down payment on forever home?
Replies: 6
Views: 1027

Re: HELOC on starter home for down payment on forever home?

Thanks for the replies/info. As far as other potential down payment sources, we have about 100k in a taxable account with Vanguard, but would owe substantial capital gains taxes on anything we sell, and would rather not sell as this is more "long-term" money. Minor improvements like new kitchen appl...
by stilts1007
Sun Nov 08, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC on starter home for down payment on forever home?
Replies: 6
Views: 1027

HELOC on starter home for down payment on forever home?

More of a theoretical question for now as we do not plan to move for a couple years at least. Current condo value ~$300k Owe ~$150k on the mortgage (15y, 3.25% fixed rate mortgage) Our "forever home" would likely be around twice the price of our current condo. The condo is nice but definitely needs ...
by stilts1007
Tue Aug 25, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refi to rid myself of PMI
Replies: 16
Views: 2042

Re: Refi to rid myself of PMI

We refinanced a couple years ago to get rid of PMI and get a better rate (went from 30 years at 5.5% to 15 years at 3.25%). Had to put a chunk of money down ($25k) but I know we'll kinda get that money back when we sell, and with the lower premium and interest rates, our monthly payment ended up bei...
by stilts1007
Thu Jul 09, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 12121

Re: Mortgage - 30 year or 15 year?

I agree, start with the 30-year mortgage..you can always pay extra principal if you want to work toward getting the loan paid off earlier. Interest on the loan is typically deductible on income taxes too. And you can always look into refinancing to a 15-year mortgage in a few years if you plan to st...
by stilts1007
Mon Jun 08, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

A little of topic, we are starting to see so many micro breweries coming online have any of you gave a little seed monies to help a cause? I put in $20 bucks to a kickstarter-type fund to help a local brewery raise money to open up a tap room. Their beer isn't my favorite in the area (I'm blessed t...
by stilts1007
Thu Apr 30, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 21
Views: 4645

Re: Casual shirts/tops for tall skinny men

6'8" and 200lbs here, so I feel your pain. For button-up shirts, I find Express 1-MX shirts fit me well. They are nice enough to wear with a suit and tie, but also look fine unbuttoned with jeans. They come in S-M-L-XL and they have extra slim fit sizes. Kind of expensive but I wait until they have ...
by stilts1007
Thu Apr 23, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 2115

Re: Mac computer people (or others) need your thoughts

I have found the google chrome browser to be better at popup-blocking than safari on my mac, I almost never have issues with popups and didn't have to download any extra apps or add-ons to get the feature. Worth a try if you are still having issues.
by stilts1007
Sat Apr 11, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 60
Views: 10284

Re: Another new two comma club member

Congrats! Splurge on some guacamole :)
by stilts1007
Mon Mar 30, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Fiance's investments
Replies: 17
Views: 1993

Re: Moving Fiance's investments

She can transfer her current Roth IRA to Vanguard with just a little bit of paperwork, no need to take it out of a Roth just to transfer it. Expense ratios would be the same in a Roth account as a regular taxable investment account, and definitely lower than what she is paying now. If she paid fees ...
by stilts1007
Sat Mar 21, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 30242

Re: Restaurant tipping

I agree with others on here, I will leave 20% or a little more for great service, especially at a little less expensive place, and between 15-20% whatever number is easy to calculate, for average service. I don't think leaving a crappy tip necessarily sends a message, other than the server thinking ...
by stilts1007
Mon Mar 02, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 6869

Re: Oil & Vinegar

+1 suggestion of making your own, it is easier and way cheaper, and you know exactly what is going into it. For olive oil, we have tried a bunch and have mostly settled on the Trader Joe's Extra Virgin California Estate olive oil. Tastes as good as other more expensive oils, and while not great for ...
by stilts1007
Sun Mar 01, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 24583

Re: What video games are you currently playing?

For anyone who sees video gaming as a sedentary, antisocial activity that takes players out of the real world and has no redeeming value, I would invite you to check out Ingress, free to download for Android and iOS. Built on google maps, it is part risk, part capture-the-flag, part totally unique. ...
by stilts1007
Fri Feb 20, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: My FSA and spousal HSA
Replies: 3
Views: 606

Re: My FSA and spousal HSA

My wife and I ran into a similar situation for tax year 2013. I couldn't get anywhere with either my employer or the HSA company to get the money taken out and reclassified. My wife's employer confirmed the FSA was not "self-only" and could not be made "self-only" so that wasn't an option. Basically...
by stilts1007
Sat Feb 14, 2015 10:58 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

Jpg wrote:Great Lakes Dortmunder Gold (Cleveland)
Great Lakes makes a ton of great beer, their Edmund Fitzgerald Porter is widely considered one of the best porters around. And since this is Bogleheads, I should point out that their beer is pretty reasonably priced as far as craft beer goes...
by stilts1007
Sat Feb 07, 2015 1:28 am
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 12620

Re: How to make this fair: gifting to kids with different me

I would think about it as a "want" vs "need thing too..If child A is doing fine while child B is struggling to make ends meet for his/her family, then some extra money child B's way is fine, and I would hope that child A would, in the spirit of sibling-ship, be OK with that. If you are just giving f...
by stilts1007
Wed Feb 04, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 2644

Re: Complete and utter newbie wanting direction...

People on the forum much smarter than I will likely jump in here, but I'll do what I can to get you started. First of all, welcome. The fact that you're here means you've already taken an important step in deciding to get started figuring all this out. As far as planning goes, I'd encourage you to d...
by stilts1007
Wed Jan 21, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

My current favorite is Deschutes Fresh Squeezed IPA. They honor the Mosaic and Citra hops. And I can grab a 6 pack while grocery shopping, but it's not the cheapest at $10. Fresh Squeezed is a great IPA and not all that pricey for the style of beer. It's a good recommendation for people who think I...
by stilts1007
Wed Jan 21, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

Somewhat related, Founder's KBS (Kentucky Breakfast Stout) is on my bucket list. Haven't seen it anywhere (has it been retired?), so I may have to make a pilgrimage to the brewery for that. Kentucky Breakfast Stout is the bourbon-barrel-aged version of Founders Breakfast Stout and is usually releas...
by stilts1007
Wed Jan 21, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 1285

Re: Any care required for gold coin?

However (see warning about theft above), if needed you can dissolve the coin in aqua regia to hide it and get the elemental gold back out later. Some Nobel prizes were "hidden" this way to prevent confiscation by the Nazis. Let's hope it doesn't come to that. When the zombies come I don't want to h...
by stilts1007
Wed Jan 21, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 1285

Re: Any care required for gold coin?

Thanks all for the helpful responses. I'll look into getting a cheap durable case to switch it into next time I visit the safe deposit box. Was glad too to hear that others have passed down gold coins as keepsakes and have enjoyed them for sentimental as well as financial reasons. I don't plan to ac...
by stilts1007
Wed Jan 21, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

That is until Beeradvocate and Untapped developed mobile applications. The former is a good resource for assessing beer prior to purchase (e.g., how is it rated within it's style category) and the latter good for tracking beers you've tried (was it 5 out of 5, or 1 out of 5 in terms of taste). I se...
by stilts1007
Wed Jan 21, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 1285

Any care required for gold coin?

I recently purchased a 2014 1oz Gold Eagle, predominantly as a keepsake to one day give to my newborn daughter. The plan is to put it in the safe deposit box and never really do much with it after that. It came in a basic vinyl protective case from APMEX. Am I OK just leaving it in that case, and is...
by stilts1007
Wed Jan 14, 2015 12:51 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 29
Views: 4214

Re: How does a Boglehead handle stock options?

If the company you work for tanks, not only will you be out those options but the very real possibility exists that you may be out of a job. That's a big reason few in this forum would advocate holding onto the options; you already have a lot invested in your company in terms of income stream, why r...
by stilts1007
Wed Jan 14, 2015 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Invitation for a Visa Black Card
Replies: 18
Views: 3712

Re: Invitation for a Visa Black Card

My wife and I have been married for over 5 years now and she still gets at least 1 piece of junk mail per week about wedding crap. Apparently once it gets turned on it doesn't get turned off very quickly. So, don't be surprised if this is the first of many pieces of luxurious-looking junk mail you r...
by stilts1007
Mon Jan 12, 2015 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 28
Views: 5026

Re: Getting out of Edward Jones ...

''there's always money in the banana stand.."
by stilts1007
Mon Jan 05, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 26276

Re: WHY is retirement enjoyable / something to look forward

cfs wrote:"I am the unwilling, led by the unqualified, doing the impossible, for the ungrateful."
Never heard my job summed up so succinctly.
by stilts1007
Tue Dec 30, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

Those 12%'ers knock me out if I'm not careful, and that's not the goal. The regular Aventinus is a pretty strong beer itself, coming in at around 8% ABV if I recall correctly. Cheers to you if you can throw more than 1 or 2 of those back in a night, sounds like a party to me :) Weizenbock beers lik...
by stilts1007
Sun Dec 28, 2014 12:36 am
Forum: Personal Consumer Issues
Topic: Home Brewing Beer
Replies: 12
Views: 2635

Re: Home Brewing Beer

I homebrew 3 or 4 times a year with a friend, and had looked into the picobrew when I first heard of it (I live in a condo, which makes traditional homebrewing tough for a number of reasons). Playing around with it definitely seems like it could be a good time. For me though, part of the fun of home...
by stilts1007
Mon Dec 08, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question On Medicare Part D "Doughnut Hole"
Replies: 4
Views: 597

Re: Question On Medicare Part D "Doughnut Hole"

The amount YOU will pay for drugs on any tier will depend on the plan you choose, but no matter what, it's the Total Drug Cost (what you pay + what insurance pays) that determines when you get into and out of the donut hole. So if you're on an expensive medication or medications (tier 4 drugs typica...
by stilts1007
Fri Nov 14, 2014 12:01 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156485

Re: Boglehead Beer

As far as the proper "category" for beers like Lil Sumpin Sumpin, beers are categorized first on the type of malted grain used. Beers categorized as American Wheat Ales use a large proportion of wheat malt (often 50% or more, although it is not a legal requirement as it is in Germany). American Pale...
by stilts1007
Mon Sep 29, 2014 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 2329

Re: Protection from a market crash

Also, why wouldn't money market funds work? You mention bonds, but I haven't seen money markets mentioned. Money market funds & stable value funds would both provide a very low level of income while being relatively safe from market swings. They also don't provide nearly the level of return that mo...
by stilts1007
Wed Apr 30, 2014 7:14 pm
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 66
Views: 18152

Re: I need a new coffee maker, any recommendations?

And I've never really liked coffee from the Keurig. I have tried it. We bought the make-your-own-K-cup attachment to go with our Keurig brewer (no idea what it's actually called), where you can add your own ground coffee to a reusable filter and use that in your Keurig machine. I think the coffee c...
by stilts1007
Sat Apr 26, 2014 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 5687

Re: 30yo, just married, need some guidance

With regard to life insurance, the odds of you dying ARE very low (assuming you are healthy), which is why insurance would be very inexpensive. In the extremely unlikely even that something should happen to you, your wife likely doesn't make enough money to continue making mortgage payments long ter...
by stilts1007
Sun Apr 20, 2014 11:48 pm
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 3271

Re: Northwestern mutual

My wife and I met with them a couple years ago (pre-Boglehead days). A younger brother of a friend was doing a summer internship with NW Mutual and the meeting was sold to us ahead of time as a "practice run," just to get him some experience talking with people he was comfortable with, etc. Turned o...
by stilts1007
Sun Apr 13, 2014 11:29 am
Forum: Personal Finance (Not Investing)
Topic: IL 529 question
Replies: 4
Views: 824

Re: IL 529 question

The IL 529 Plan offers some Vanguard index funds as well as some actively managed funds. Expense ratios for the index-based options are in the neighborhood of 0.20% which is a pretty good deal. Some states might have a little wider array of choices or slightly lower ERs, but if you are going to get ...
by stilts1007
Wed Mar 19, 2014 12:34 am
Forum: Investing - Help with Personal Investments
Topic: International and bond advice for young investor
Replies: 10
Views: 1171

Re: International and bond advice for young investor

For most members of the forum, portfolio simplicity is a factor in deciding asset allocation, which is why most people on here would probably recommend Total International instead of Emerging Markets + Developed markets (especially if you don't have a strong reasoning for splitting them up.) In addi...
by stilts1007
Wed Mar 12, 2014 1:15 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 24583

Re: What video games are you currently playing?

I second the recommendations for the Portal games (available on xbox or PC). They are puzzle/strategy games in a different way than anything I had ever played before. My wife (a non-video-gamer) enjoyed them, too. Makes your brain think in ways it doesn't normally have to think, which can be frustra...