Search found 38 matches

by smashhand
Mon Nov 27, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 11068

Growing Number of Electric Vehicles

I've heard several electrical engineers say in casual conversations that the nation's electric power grid isn't ready for the new demand imposed by the proliferation of electric cars and trucks. I recall a few years back that several areas (Florida) suffered brown-outs and black-outs during a heat w...
by smashhand
Fri Nov 17, 2017 7:26 am
Forum: Personal Investments
Topic: Vanguard adding do-it-yourself QCD screen to website
Replies: 1
Views: 595

Vanguard adding do-it-yourself QCD screen to website

I called Vanguard 11/16/17 with a question about setting up a Qualified Charitable Distribution from my traditional IRA and was told that Vanguard is rolling out a do-it-yourself screen on the website sometime during the next two weeks. It will appear in the same area of the website as the RMD scree...
by smashhand
Tue Nov 14, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16716

Re: H&R Block Software

What is your home state, tuningfork?
by smashhand
Tue Nov 14, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 11808

Re: Retirees: I got this!!

Retired second quarter of 2009 at age 61. Psychologically, the transition to retirement was a little tougher than I though it would be. Financially, I had done better planning so DW and I avoided the stress that some of the earlier posters reported. Now, we're not considering moving to the South of ...
by smashhand
Sat Oct 07, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1912

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

Since you did get the transaction approved this sounds like Best Buy or your CC company have put in place some extra security measures. I've been seeing other such things since the Equifax hack.
by smashhand
Tue Jan 10, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Kiplinger Vanguard article
Replies: 4
Views: 970

Re: Kiplinger Vanguard article

Years ago I'd have been tempted to realign my portfolio along the lines set forth in the article--and then done something else when the next interesting article caught my attention. Now, I'm content to stay with my current allocation in my stodgy old three-fund portfolio. My investment education has...
by smashhand
Tue Jan 03, 2017 6:45 am
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 18780

Re: Bogle worried Vanguard is getting too big

To a large extent, I agree with inbox788: while I see many more attractive websites as I cruise around the internet, what Vanguard now provides meets my needs--which admittedly are simple. I don't have a lot of questions, make a lot of "moves", or require a lot of hand-holding. And as for Live Chat,...
by smashhand
Sat Dec 10, 2016 6:42 am
Forum: Personal Consumer Issues
Topic: Protective & Carrying Cases for MacBook Air
Replies: 7
Views: 696

Re: Protective & Carrying Cases for MacBook Air

I suggest you google 'incase'. The company makes a line of protective carrying cases for computers. I've used their products for years.
by smashhand
Tue Dec 06, 2016 9:06 am
Forum: Personal Investments
Topic: Fidelity or Vanguard
Replies: 45
Views: 5066

Re: Fidelity or Vanguard

I'm a former Fidelity client but I transferred all our stock and bond holdings to Vanguard years ago after our children graduated from college. My decision was based on the then-current expense ratio advantage Vanguard had over every other firm in the business. In following this thread I looked at t...
by smashhand
Wed Nov 30, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 9065

Re: FIRE how do you live now

I attained FIRE seven years ago and my general purpose since then has been pure hedonism. More specifically, I have read, golfed (I'm an ardent walker), improved both the outside and inside of our home, traveled, traveled some more, taught Sunday school and been more attentive to my health. I have l...
by smashhand
Sun Nov 13, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: No more Sched C in H&R Block Deluxe
Replies: 8
Views: 3009

Re: No more Sched C in H&R Block Deluxe

Check again. My copy (which I downloaded Nov. 11) lists Schedule C and Schedule C-EZ in the comprehensive forms list.
by smashhand
Wed Aug 31, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 18495

Re: Who is ready for iphone 7?

Anybody using iPhone 6S or 6S Plus experienced "Touch Screen disease"--where a single transistor micro-welded onto the phone's motherboard breaks or just falls off? From the tech news reports I am seeing, there's a large and growing number of users whose phones are suddenly going gray bar because of...
by smashhand
Sat Jul 09, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Nortwestern Whole Life Issue
Replies: 6
Views: 1223

Re: Nortwestern Whole Life Issue

I believe the $18,170 of income derived from those earlier years of the policy when the interest your policy account earned was used to pay the continuing premium required to keep the policy in force. Even though you didn't directly receive that money it was paid to your benefit to keep your policy ...
by smashhand
Sun May 22, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Understanding How Financial Advisors Are Compensated, by Wade Pfau
Replies: 16
Views: 2802

Re: Understanding How Financial Advisors Are Compensated by Wade Pfau

Even the recommendation to "apply good common sense" to choosing financial advice requires broad life experience to be useful. Early on I enjoyed reading financial articles by Andrew Tobias. His suggested starting point for new saver/investors? TRUST NO ONE. Following that suggestion at least alerts...
by smashhand
Wed May 11, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 15530

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

At this point, I think most financial authors are pointing to the Puerto Rico fiscal crisis not for an apples to apples comparison with other public entity borrowers in the U. S., but rather as a canary in the coal mine. In other words, will we be looking back in five or ten years at the Puerto Rico...
by smashhand
Tue Mar 15, 2016 7:11 am
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 66
Views: 9971

Re: Late Starters

Although I had pursued a career which featured a "secure" pension at the end (if indeed any pension plan nowadays is truly "secure"), I really didn't focus on saving and investing until my early 40s, and didn't discover this terrific website until a few years ago. Like you, I got depressed occasiona...
by smashhand
Fri Jan 01, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: First Day of Retirement
Replies: 32
Views: 4613

Re: First Day of Retirement

Congratulations, Burt, on entering retirement. I retired six years ago and after a period of transition (I had been employed in one way or another since I was twelve years old) I have really enjoyed myself. When working folks ask me about retirement, I tell them that if they are debt-free and financ...
by smashhand
Thu Dec 24, 2015 5:43 am
Forum: Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 6320

Re: Vanguard Personal Performance?

Mine has been:
1 year: 0.8%
3 years: 7.3%
5 years: 6.7%
10 years: 6.5%
Asset allocation has been a consistent 50/50. I am 67.
Interesting to see how similar the results have been for those few of us who have posted in this thread so far.
by smashhand
Wed Dec 16, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: US income tax records retention time
Replies: 8
Views: 1089

US income tax records retention time

Do I need to keep prior year federal income tax return records for more than three years?
by smashhand
Wed Dec 02, 2015 7:08 am
Forum: Personal Investments
Topic: Life Strategy vs VWIAX [Vanguard Wellesley Income]
Replies: 19
Views: 5699

Re: Life Strategy vs VWIAX

Risk tolerance/asset allocation is a very personal matter so I can't offer anything there. However, as to RMD calculation, I recommend you review the many previous postings on the Vanguard complimentary RMD service. One of the options you can choose is receiving proportional payments from your retir...
by smashhand
Mon Nov 23, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index Fund
Replies: 14
Views: 4248

Re: Vanguard Balanced Index Fund

All my after-tax money is in Balanced Index and I have this in common with Mr. Buffett--my favorite holding period is forever. Over the long haul I'll earn a decent return on my investment without twisting myself up trying to save every last penny on taxes. No disrespect to those who tax loss harves...
by smashhand
Mon Nov 23, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Small Law Survivor
Replies: 61
Views: 11595

Re: Advice for Small Law Survivor

I recommend a two-step decision-making process: Step One - Read John Bogle's book "Enough." This will help you see where the real values in your life are, or at least should be. Step Two - Determine the value of your peace of mind. Once you've answered this question for yourself, your way forward wi...
by smashhand
Sun Nov 15, 2015 8:12 am
Forum: Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 52
Views: 14761

Re: Is The Vanguard Balanced Index Fund All One Needs?

Yes, for an investor with a tolerance for significant volatility, a plan to stay in the for the long haul and an overall strategy for dealing with taxation. I've enjoyed owning Balanced Index in my taxable account for many years.
by smashhand
Mon Oct 19, 2015 5:41 am
Forum: Investing - Theory, News & General
Topic: Retirees doing 50/50
Replies: 35
Views: 6045

Re: Retirees doing 50/50

I've been retired since 2009 and moved my IRA portfolio to 50-50 a couple of years before retiring. I've had a few anxious moments and quite a few urges to "just do something" along the way, but have managed to outlive all those impulses without acting on any of them. I am a classic Boglehead: my ta...
by smashhand
Sat Sep 19, 2015 4:07 am
Forum: Forum Issues and Administration
Topic: Server Upgrade SATURDAY 7:30 AM Eastern [Success!!]
Replies: 25
Views: 3595

Re: Server Upgrade SATURDAY 7:30 AM Eastern

Thanks for the education, enjoyment, entertainment and investment management peace of mind this wonderful board provides. Hope implementation of the new server goes smoothly.
by smashhand
Tue Sep 08, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: How did websites get my address, age and phone number?
Replies: 6
Views: 4340

Re: How did websites get my address, age and phone number?

Many times non-profits such as the Red Cross will exchange or sell names, addresses and other information on their donors to other organizations. So your loss of privacy--which is limited now but may not be for much longer--can spring from a generous act in an entirely different part of your life. O...
by smashhand
Mon Aug 24, 2015 4:58 am
Forum: Personal Investments
Topic: 40 years with MegaCorp...Retiring Friday
Replies: 22
Views: 4418

Re: 40 years with MegaCorp...Retiring Friday

My story is similar to yours. It took me a few months to "throttle back" from the pace demanded by my career to keep performing, but once I made the transition I discovered a life style I never realized could be so enjoyable. Congratulations on crossing the finish line!
by smashhand
Mon Aug 10, 2015 5:44 pm
Forum: Personal Investments
Topic: Should I go with Vanguard PAS (Personal Advisor Service)?
Replies: 8
Views: 1611

Re: Should I go with Vanguard PAS?

Why don't you consider a fee-only financial advisor? Look for one with solid references who would not charge you for the first meeting. That would give you a chance to spell out what you want and the FA a chance to say if he or she can meet your needs--and how much the service would cost.
by smashhand
Mon Aug 10, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 92
Views: 10864

Re: Does the Three Fund Portfolio need a roboadviser?

Taylor, I think the answer varies according to the capabilities of each three-fund investor. Personally, I wouldn't want to pay the advisory fee, but I'd recommend that my wife buy the service. I must say, however, that in doing a bit of research to respond to your question, I was intrigued to learn...
by smashhand
Wed Aug 05, 2015 10:58 am
Forum: Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 1478

Re: Anyone using Vanguard's RMD service?

Thanks, everyone, for the responses. Easier to get the information on this board than calling Vanguard, although they have been helpful in the past, too.
by smashhand
Wed Aug 05, 2015 5:31 am
Forum: Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 1478

Anyone using Vanguard's RMD service?

I have a classic Vanguard three-index fund IRA and was wondering, when I have to start taking RMDs will Vanguard draw down from each fund in such a way as to maintain my asset allocation? Will I have to give specific, fund by fund instructions on where I want the withdrawals to come from?
by smashhand
Sun May 17, 2015 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities
Replies: 42
Views: 10731

Re: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities

Thanks, Wade, for doing the work on this article. Owning paid-up life insurance for the past thirty-five years has given me and DW invaluable peace of mind and with a guaranteed four percent return on policy cash, the asset is even better nowadays, although I certainly never thought I'd say that at ...
by smashhand
Tue May 12, 2015 1:39 pm
Forum: Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 11769

Re: Anybody 50/50?

My ideal asset allocation has been 50/50 for the past twelve years with both tax-deferred (75% of portfolio) and taxable in Vanguard index funds. Presently, I'm about 53% stocks and the balance in bonds. My cash emergency fund is good for nine months of recurring monthly expenses. According to Vangu...
by smashhand
Mon Dec 29, 2014 7:05 am
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 11215

Re: Retiree Poll:What is your current AA?

Now in our fifth year of retirement, we are at 50/50 and will likely stay that way for some time to come. Except for cash in our emergency fund (which is slowly but surely being devalued by inflation), all our stuff is in Vanguard index funds and we are proud to have faithfully followed Vanguard's r...
by smashhand
Wed Dec 24, 2014 10:54 am
Forum: Personal Finance (Not Investing)
Topic: 2014 Tax Prep Software question
Replies: 3
Views: 924

2014 Tax Prep Software question

Which of the tax prep software packages will you use for 2014 tax reporting and why? I've been using H&R Block's package for the past several years but thought I might try TaxACT this tax reporting cycle because it appears to be cheaper both to download and to e-file federal and state returns. Has a...
by smashhand
Mon Dec 22, 2014 7:05 am
Forum: Personal Investments
Topic: Schwab Intelligent Portfolios coming 1st Qtr 2015
Replies: 5
Views: 1699

Re: Schwab Intelligent Portfolios coming 1st Qtr 2015

Clever way to harvest email addresses for marketing purposes.
by smashhand
Sat Dec 20, 2014 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should my work associates be worried? [Pension plan]
Replies: 16
Views: 4115

Re: Should my work associates be worried?

I think you really need more information before you reach any useful conclusion. It is not unusual for a company to seek competitive proposals from third party administrators for fringe benefit administration and years ago, State Street administered a 401-K plan in which I participated. They did a g...
by smashhand
Fri May 02, 2014 3:12 pm
Forum: US Chapters
Topic: Greenville Metro Bogleheads Chapter Established
Replies: 4
Views: 759

Re: Greenville Metro Bogleheads Chapter Established

It's nice to have a local chapter. I'm looking forward to keeping more closely in contact with other Bogleheads in the Palmetto State.