Search found 299 matches

by hamishdad
Sun Dec 23, 2018 9:35 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12713

Re: My Christmas Present To You

God bless you, Taylor. My uncle was also a paratrooper at the Battle of the Bulge, and received the Purple Heart for getting severe frostbite during it. It was so bad, he almost had his feet amputated. Your heroics changed the outcome of the war and made the world a better place. Hope you and your f...
by hamishdad
Fri Oct 05, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 5050

Re: Transition to Vanguard's new investment platform???

I received email today stating that I need to transition my account to Vanguard's new investment platform. Is this required or optional? I don't have any interest in purchasing stocks or ETFs. Thanks. There are many many threads on this topic. Search on brokerage account conversion. Thanks, Nate. I...
by hamishdad
Fri Oct 05, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 5050

Transition to Vanguard's new investment platform???

I received email today stating that I need to transition my account to Vanguard's new investment platform. Is this required or optional? I don't have any interest in purchasing stocks or ETFs. Thanks.
by hamishdad
Sat Mar 17, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 7376

Re: Tires on a 15 year old car....Replace or not?

Psyayeayeduck wrote:
Thu Mar 15, 2018 8:35 am
Never skimp on anything that is between you and the ground. This includes, but not limited to, beds, shoes, and tires.
Does that include caskets?
by hamishdad
Tue Mar 13, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 582
Views: 48044

Re: [What UN-frugal thing do you do? What do you splurge on?]

TwstdSista wrote:
Tue Mar 13, 2018 10:44 am
hamishdad wrote:
Tue Mar 13, 2018 9:38 am
The most un-frugal thing I did this week was buy a $4 box of Girl Scout cookies.
Where did you find Girl Scout cookies for $4? I spent $5/box for the kid's birthday (Trefoils and Thin Mints).
Yikes! Sounds like that box of cookies was the MOST frugal thing I did this week! :D
by hamishdad
Tue Mar 13, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 582
Views: 48044

Re: [What UN-frugal thing do you do? What do you splurge on?]

The most un-frugal thing I did this week was buy a $4 box of Girl Scout cookies.
by hamishdad
Fri Jan 15, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone shifting their AA?
Replies: 91
Views: 9610

Re: Anyone shifting their AA?

I was going to, but a little voice told me to wait until the market drops another 10%.
by hamishdad
Tue Aug 06, 2013 8:02 am
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2211

Re: VFSUX vs. VMMXX

Hamishdad: I not sure i understand when you mentioned using VSFUX (short-term investment grade) for tax loss harvesting. I thought TLH was more for funds like VSS (international small-cap). Do you have a need for holding TLH candidates? Hi Robertalpert, I was trying to decide where to park some mon...
by hamishdad
Sat Aug 03, 2013 9:42 am
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2211

Re: VFSUX vs. VMMXX

Thanks, livesoft.
by hamishdad
Sat Aug 03, 2013 7:44 am
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2211

VFSUX vs. VMMXX

I just noticed that Vanguard's Short-Term Investment-Grade Admiral shares (VFSUX) has a YTD return of 0.06% - just slightly better than Vanguard's Prime Money Market (VMMXX). Even though the reward for taking risk has been insignificant YTD, and may continue to be so for some time, is it still bette...
by hamishdad
Thu Jun 20, 2013 6:06 am
Forum: Investing - Theory, News & General
Topic: Bonds Investors running for the hills
Replies: 56
Views: 6445

Re: Bonds Investors running for the hills

Sure glad I sold VFSUX at $10.74.
by hamishdad
Sun Jun 02, 2013 6:48 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Question
Replies: 42
Views: 3257

Re: Bond Fund Question

The YTD return for the Vanguard Total Bond Market Fund is -0.85%. The SEC yield for the fund is currently 1.60%. I don't recall what the SEC yield was back in January, but it seems unlikely it will end the year anywhere close to the SEC yield. No one would think about using a money market account ea...
by hamishdad
Wed Nov 07, 2012 8:42 am
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 22337

Re: Dear Bogleheads - time to pony up

[deleted]

Sorry, Valuethinker, it was all meant in good fun. I do hope that everyone who enjoys reading this forum EVERY DAY will consider donating at least $10. to help keep it going. It's the right thing to do, and it will make you feel good knowing that you helped out.
by hamishdad
Thu Dec 29, 2011 1:12 pm
Forum: Investing - Theory, News & General
Topic: Risk vs uncertainty
Replies: 142
Views: 10726

Re: Risk vs uncertainty

I'm not sure how someone determines their ability to lose money.
by hamishdad
Mon Aug 08, 2011 4:28 pm
Forum: Investing - Theory, News & General
Topic: Anyone else buy equities today?
Replies: 102
Views: 12351

I'll wait until Moody's downgrade. 8-)
by hamishdad
Sun Jun 05, 2011 2:42 pm
Forum: Personal Consumer Issues
Topic: Best Way to Buy Gold and Silver
Replies: 24
Views: 3908

You can purchase gold or silver from the Northwest Territorial Mint:

http://bullion.nwtmint.com/silver_bags.php

I have never purchased from them, but I thought about selling some U.S. silver coins to them before the price dropped.

Does anyone have any experience buying or selling from them?
by hamishdad
Sun Jun 05, 2011 12:38 pm
Forum: Personal Consumer Issues
Topic: American Ingenuity
Replies: 1
Views: 499

American Ingenuity

American ingenuity is alive and well, as seen in this article: http://newsfeed.time.com/2011/06/04/import-irony-china-buys-its-chopsticks-from-a-small-georgia-town/ Now if we can just figure out a way to make those little paper umbrellas for drinks, I think we will be able to solve our debt problem!...
by hamishdad
Fri Feb 18, 2011 7:40 pm
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 72
Views: 10696

Forever stamps can be used as long as the grass is green and the sky is blue. :wink:
by hamishdad
Thu Jan 13, 2011 7:47 am
Forum: Personal Investments
Topic: An uncomfortable day at work. . .
Replies: 49
Views: 8827

Re: An uncomfortable day at work. . .

. . .in the middle of the conversation walked an employee from a different department than mine who said that it's not my place to question what the "higher-ups" have chosen for us. . .that we should "trust" them because I don't have a degree in finance. . .<<-----Note: this employee has worked for...
by hamishdad
Thu Jan 06, 2011 9:23 am
Forum: Investing - Theory, News & General
Topic: TIPS versus Cash - 1972 to 1981
Replies: 33
Views: 3983

Let me get this straight - stocks are the new bonds, and cash is the new TIPS??? :shock:
by hamishdad
Sat Jan 01, 2011 5:26 pm
Forum: Investing - Theory, News & General
Topic: Hedging against long-term medical inflation?
Replies: 32
Views: 3750

AndroAsc wrote:Retiring to a country that has free public healthcare? I am seriously thinking about that btw...
Prisons have free public healthcare, too. Just make sure that you pick a state that provides adequate healthcare to prisoners before committing a crime! :wink:
by hamishdad
Mon Dec 27, 2010 12:52 pm
Forum: Investing - Theory, News & General
Topic: Experts agree: Get over your fear and get back into stocks!
Replies: 24
Views: 3644

Image

Don't think of it as a used car. Think of it as pre-owned.
by hamishdad
Thu Dec 23, 2010 8:16 pm
Forum: Investing - Theory, News & General
Topic: A Christmas Present for You
Replies: 46
Views: 7044

My uncle was a paratrooper in the Battle of the Bulge, and almost lost his feet in that battle due to frostbite.

God Bless you, Taylor. Have a Merry Christmas!
by hamishdad
Thu Dec 23, 2010 11:55 am
Forum: Investing - Theory, News & General
Topic: Are We in a Bond Bubble?
Replies: 43
Views: 5410

Instead of scouring the globe for fixed-income opportunities, why not just invest in long-term CDs that offer low early withdrawal penalties?

CDs don't pay as much as high-yield bonds from Ghana, but at least your principal is safe.
by hamishdad
Tue Dec 21, 2010 5:56 pm
Forum: Investing - Theory, News & General
Topic: [Poll] How much is the US stock market down
Replies: 67
Views: 7223

It's down more than I expected.
by hamishdad
Mon Dec 20, 2010 2:13 pm
Forum: Investing - Theory, News & General
Topic: Rare lunar eclipse expected tonight - omen???
Replies: 4
Views: 935

Why is news of this impending doom filed under "Consumer and Recreation"???
by hamishdad
Mon Dec 20, 2010 1:59 pm
Forum: Investing - Theory, News & General
Topic: Rare lunar eclipse expected tonight - omen???
Replies: 4
Views: 935

Rare lunar eclipse expected tonight - omen???

I don't want to start a global financial panic, but there's a rare lunar eclipse happening tonight:

http://news.cnet.com/8301-13506_3-20026147-17.html

The last one to occur on the winter solstice was in 1638 - the year of the Dutch Tulip crisis!

:shock:
by hamishdad
Mon Dec 20, 2010 8:24 am
Forum: Investing - Theory, News & General
Topic: Saint Jack and Sir John
Replies: 28
Views: 4622

John Templeton was created a Knight Bachelor by Queen Elizabeth II in 1987. It's the lowest rank that money can buy.
by hamishdad
Sun Dec 19, 2010 8:21 pm
Forum: Personal Investments
Topic: CD Ladder
Replies: 7
Views: 1556

Another great reason to go with PenFed. Thanks, Francis.

I'm looking forward to seeing their CD rates in January.
by hamishdad
Sun Dec 19, 2010 7:51 pm
Forum: Personal Investments
Topic: CD Ladder
Replies: 7
Views: 1556

I setup a ladder with PenFed myself 2 years ago. They do not have an option to renew at a different rate, so I let them go back to my share account and then purchase new ones at the longer rate. I've been adding more funds at the same time too. E.g., A $1,000 CD matures and I renew at the longer ra...
by hamishdad
Sun Dec 19, 2010 7:38 pm
Forum: Personal Investments
Topic: CD Ladder
Replies: 7
Views: 1556

CD Ladder

I am interested in creating a CD ladder at PenFed. Is there any way to set it up so that as each CD matures, it gets automatically reinvested in a CD with the longest maturity (as opposed to reinvesting it in a CD with the same maturity)? Is reinvesting in CDs with the longest maturity the best stra...
by hamishdad
Sun Dec 19, 2010 8:41 am
Forum: Personal Investments
Topic: Equities aside, if cash now, would u invest in bond funds?
Replies: 27
Views: 2599

Here's an excellent article from Vanguard regarding bond funds: https://personal.vanguard.com/us/insights/article/sauter-cautions-investors-11222010 Excerpts: "Bonds are still attractive from the standpoint of providing diversification. They can reduce the volatility of your overall portfolio. But t...
by hamishdad
Sat Dec 18, 2010 6:26 pm
Forum: Investing - Theory, News & General
Topic: Beating The Market
Replies: 72
Views: 9007

Howard,

I wish I had a nickel for every thread you started since joining this forum. That would beat the market! :lol:
by hamishdad
Sat Dec 18, 2010 9:29 am
Forum: Investing - Theory, News & General
Topic: Support Your Forum
Replies: 36
Views: 4909

Does it matter what I/we buy? I mean does a part for my car or what ever still help out? I've not bought many things through amazon. Is it safe shopping? Are all sites pre approved and legit? Thanks Happy Holidays & Merry Christmas. Steve It doesn't matter what you buy. Anything you buy through Ama...
by hamishdad
Fri Dec 17, 2010 11:18 pm
Forum: Investing - Theory, News & General
Topic: No Country for Old Couples
Replies: 19
Views: 3445

This story was first covered in the bogleheads on Tuesday http://www.bogleheads.org/forum/viewtopic.php?t=64672 Thank you for link, sscritic. I normally don't read the posts in the Personal Finance section, and was not aware that the article had already been discussed. The comments posted there are...
by hamishdad
Fri Dec 17, 2010 6:17 pm
Forum: Investing - Theory, News & General
Topic: USA Today Cover Story: Time To Get Back Into Stocks!
Replies: 51
Views: 7758

There's never been a better time to buy stocks. But don't walk, RUN, before it's too late!!! :D
by hamishdad
Fri Dec 17, 2010 12:08 am
Forum: Investing - Theory, News & General
Topic: No Country for Old Couples
Replies: 19
Views: 3445

What should someone do if their spouse requires nursing care but the cost of it would completely wipe out their assets?
by hamishdad
Thu Dec 16, 2010 7:26 pm
Forum: Investing - Theory, News & General
Topic: No Country for Old Couples
Replies: 19
Views: 3445

No Country for Old Couples

Here's an interesting article regarding the rising cost of long-term care:

http://www.nytimes.com/2010/12/12/nyreg ... ted=1&_r=1

Sometimes working longer, saving more, and spending less simply doesn't cut it.
by hamishdad
Wed Dec 15, 2010 5:48 pm
Forum: Personal Investments
Topic: The Munchkin Man's Penny Stock Portfolio Report
Replies: 81
Views: 15400

I have a buddy who does what Munchkin Man does. From what I can tell, he's not half bad at it either. Once he bought a bunch of shares in some mining company in Oregon...and inadvertently became the majority shareholder. They started calling him and telling him about upcoming meetings. He didn't kn...
by hamishdad
Tue Dec 14, 2010 1:21 pm
Forum: Investing - Theory, News & General
Topic: How I Learned to Stop Worrying & Love Bankruptcy
Replies: 35
Views: 5122

Again, if there's no moral reason not to file bankruptcy (interesting phrase we hear these days, "strategic default"), then why should it be limited to every 6-8 years? Shouldn't folks be allowed to make such financial "mistakes" more frequently? I would wonder how you could make a "mistake" like t...
by hamishdad
Mon Dec 13, 2010 5:25 pm
Forum: Personal Investments
Topic: The Munchkin Man's Penny Stock Portfolio Report
Replies: 81
Views: 15400

Today, on the date of Monday, December 13, 2010, this stock closed out at a price of $0.014, for a percent gain today of +81.82%. The Munchkin Man has been jumping up and down with joy all day long. While doing so, the Munchkin Man accidentally ripped his pajamas. When the Munchkin Man isn't rippin...
by hamishdad
Mon Dec 13, 2010 1:38 pm
Forum: Investing - Theory, News & General
Topic: How I Learned to Stop Worrying & Love Bankruptcy
Replies: 35
Views: 5122

It seems very odd that there would exist a business transaction in which one party (the lender) is obliged to fulfill the contract terms to the letter of the law, but the other party (the borrower), in addition to meeting his/her legal obligations, has some extra moral obligation. The asymmetry jus...
by hamishdad
Mon Dec 13, 2010 12:31 pm
Forum: Investing - Theory, News & General
Topic: How I Learned to Stop Worrying & Love Bankruptcy
Replies: 35
Views: 5122

I think bankruptcy must be considered as a possible Plan B (as a last resort - if working longer, saving more, or spending less simply are not sufficient in preventing Plan A from failing). Perhaps it's common sense, but I have never seen that mentioned here before.
by hamishdad
Sun Dec 12, 2010 8:10 am
Forum: Investing - Theory, News & General
Topic: How I Learned to Stop Worrying & Love Bankruptcy
Replies: 35
Views: 5122

How I Learned to Stop Worrying & Love Bankruptcy

Attention Seniors: Get all the conveniences of modern living — without the burden and guilt of carrying a lot of debt:

http://www.usatoday.com/money/perfi/ret ... ptcy_N.htm