Search found 157 matches

by FreddieG
Mon Sep 28, 2020 3:21 pm
Forum: Personal Investments
Topic: Mutual Funds - Dividends Only, No Cap Gains
Replies: 7
Views: 695

Re: Mutual Funds - Dividends Only, No Cap Gains

rkhusky wrote: Mon Sep 28, 2020 3:12 pm Most, if not all, of Vanguard's index funds do not distribute capital gains.
I guess I have one of the few Vanguard funds that do distribute cap gains - Capital Opportunity Fund (VHCAX). Because I see year-end cap gains there, I started wondering why my other 2 funds never pay them. :)
by FreddieG
Mon Sep 28, 2020 2:49 pm
Forum: Personal Investments
Topic: Mutual Funds - Dividends Only, No Cap Gains
Replies: 7
Views: 695

Re: Mutual Funds - Dividends Only, No Cap Gains

Wow, thank you for this. I never knew about "heartbeat trades" until today. I'll be sure to go to great lengths to avoid selling these funds, so I can continue to defer cap gains taxes.
by FreddieG
Mon Sep 28, 2020 2:00 pm
Forum: Personal Investments
Topic: Mutual Funds - Dividends Only, No Cap Gains
Replies: 7
Views: 695

Mutual Funds - Dividends Only, No Cap Gains

I hold VDADX (Vanguard Dividend Appreciation) and VHYAX (Vanguard High Yield) mutual funds in a personal, non-tax advantaged account. Over the last 3 years, I have only received dividends, never capital gains (or losses, of course). I understand that gains/losses are realized when a stock is sold, a...
by FreddieG
Wed Jul 22, 2020 8:59 pm
Forum: Personal Investments
Topic: Where is your fixed income invested?
Replies: 71
Views: 5681

Re: Where is your fixed income invested?

I am retired with a defined benefit pension. My 401k is 100% invested in Vanguard Wellington.

No regrets. I can stomach volatility.
by FreddieG
Thu May 21, 2020 7:09 am
Forum: Personal Consumer Issues
Topic: Junipers Growing Very Slowly
Replies: 8
Views: 614

Junipers Growing Very Slowly

I bought 28 Spartan Junipers 4 years ago to be used as a screen. At the time they were about 5’. They are now only about 6’ They get plenty of sun, and I water them when we have dry spells here in Colorado. I also do some very light pruning especially near the base. When I planted them, I was very c...
by FreddieG
Mon Jun 10, 2019 2:30 pm
Forum: Personal Investments
Topic: Social Security and divorce
Replies: 3
Views: 795

Social Security and divorce

I just turned 62, and my ex-wife to whom I was married for 19 years is 42. According to SSA.gov, I am eligible to receive $2000 a month at age 62. Does this mean I will collect $2000 a month until such time that she turns 62, and then my benefit will be reduced by half? Setting aside of course the q...
by FreddieG
Mon Jul 16, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Books on Paying for College
Replies: 1
Views: 262

Books on Paying for College

I have twin boys in HS, and I am starting to think about some strategies for financing their college. Can anyone recommend an established, well-known book on the subject? I am looking for the Jane Bryant Quinn of college finance. I've looked on amazon, and there are screaming titles, but I don't wan...
by FreddieG
Thu Jun 07, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Tax Treatment of Divorce Settlement
Replies: 1
Views: 411

Tax Treatment of Divorce Settlement

I have reached a Settlement with my wife. I need to sell mutual funds worth $500k, incurring significant capital gains tax, and pay her those monies. Those mutual funds are held in a Revocable Trust, and I am the trustee. My divorce attorney thought there may be special tax treatment since it was pu...
by FreddieG
Sat Jul 22, 2017 6:07 pm
Forum: Personal Investments
Topic: Roth 5 Year Rule
Replies: 3
Views: 752

Roth 5 Year Rule

I imagine this question has been asked before, but nothing popped up in the search. I've had a Roth IRA at Vanguard for at least 15 years. In that time, I've probably owned 3 different funds, one at a time, within the account. I currently have the Vanguard Mid-Cap Growth Index Fund since 2014. When ...
by FreddieG
Sat Jun 17, 2017 10:24 am
Forum: Personal Investments
Topic: Forced to Convert 401k to IRA?
Replies: 17
Views: 2289

Forced to Convert 401k to IRA?

I am 60, and retired at 58 from a large corporation, where I worked for 32 years. I have a substantial 401k, and am contemplating starting to withdraw from it in the next year or two. The 401k is managed by Vanguard. I called Vanguard, and they said that in order to begin withdrawing, I'd have to co...
by FreddieG
Sun May 21, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 7436

Mexican Pacific Beaches

The wife wants to go to Mexico for a getaway (including our teenage boys). We're leaning towards the Pacific Coast, but I don't know much about Mazatlan vs Acapulco vs Cabo San Lucas, etc. Can the members of this group give me some advice on what places they've liked there? A good beach would be nic...
by FreddieG
Sat Jan 07, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 2250

Re: Virtual Machines for Finances, etc.

I have Ubuntu but run Mac OSX virtually on VMWare. That's because I got sick of Quicken/Windows and wanted to convert to Banktivity. I will eventually convert to a physical Mac. It works fine. Sometimes my Bluetooth mouse gets a little bit flaky. I tried MoneyDance and GNUCash on Linux but settled o...
by FreddieG
Sat Jan 07, 2017 10:52 am
Forum: Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 108
Views: 41894

Re: Ally Bank - Is this a safe/best place to stash some cash?

I'm dumbfounded as to why she's concerned about a deposit insured by the FDIC, and well under the insured limit. Just because there is a physical Wells Fargo nearby, it doesn't mean that your money is physically there, either. All they do is push paper and give you free coffee there.
by FreddieG
Wed Dec 21, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: White Spot on TV - Caused by Router?
Replies: 22
Views: 2669

Re: White Spot on TV - Caused by Router?

DaftInvestor wrote:Maybe move the router to the far right or left and see if you end up with a problem there in 6 months - it would be a neat experiment.

Ha! The TV is toast anyway, so I think I will, in the interest of science, perform your experiment. I'll publish my findings next Spring :D
by FreddieG
Wed Dec 21, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: White Spot on TV - Caused by Router?
Replies: 22
Views: 2669

White Spot on TV - Caused by Router?

I have a Samsung LED TV, purchased about 4 years ago. Directly below the TV is my router. It is the row of LED lights in the picture below. In the past few months, I've noticed a white spot developing on the screen (also shown in pic), right above the router, on the TV. I know it is difficult to pin...
by FreddieG
Sun Dec 04, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: DNS services
Replies: 10
Views: 1961

Re: DNS services

Google does data mine it's DNS server, but DNS can't do anything but say you requested how to get to a specific domain. If privacy is your ultimate concern, you have 2 real options Run your own recursive DNS server using root hints This is vulnerable to ISP level sniffing however Use a guaranteed n...
by FreddieG
Sun Nov 20, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Ethernet Question
Replies: 12
Views: 2624

Re: Ethernet Question

I would do some research on cat5 exposed to the elements. Pretty sure it is frowned upon for safety reasons e.g. Lightning
by FreddieG
Sun Nov 20, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: New Alliant CU mobile app
Replies: 3
Views: 1102

Re: New Alliant CU mobile app

icefr wrote:You're leaving me quite optimistic about the iOS app that will hopefully come out soon!
I'm confused. I use Alliant on my iPhone. Is this a different app?
by FreddieG
Sun Nov 20, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Online Banking Recommendations
Replies: 18
Views: 3519

Re: Online Banking Recommendations

I have Alliant for checking, savings, and HELOC. No complaints. What is your concern about the mobile app? I deposit checks from my iPhone.
by FreddieG
Sun Nov 20, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 14681

Re: Is Quicken Worth it?

As someone else mentioned, MoneyDance runs on Windows, Mac, and Linux. I used Quicken/Windows for 22 years until I got tired of things just stopping working. I now use Banktivity on a Mac.
by FreddieG
Wed Nov 16, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 67
Views: 12871

Re: which pickup truck

I considered a full size domestic truck, but was concerned about LT reliability. I ended up with a Tacoma. Fits nicely in my garage and gets me to some pretty remote trailheads here in Colorado. The shorter wheelbase is better in the outback.
by FreddieG
Fri Nov 04, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 3349

Re: Visiting San Francisco

While you don't mention the specific military installations you were involved with in the Bay Area and how long ago it was you may be interested in taking some side excursions on your trip across the Golden Gate Bridge to see some former military installations that have been converted to public par...
by FreddieG
Fri Nov 04, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 3349

Re: Visiting San Francisco

The Alcatraz ticket website is http://www.Alcatrazcruises.com. But tickets in advance or risk not getting them. I am a docent there and can give you a personal tour "behind the scenes," if I am in town. PM me with you boat time and dates. Thanks, fellow Boglehead! I'll let you know as we ...
by FreddieG
Fri Nov 04, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 3349

Re: Visiting San Francisco

denovo wrote:Anywhere inside S.F. should be fine where the hotel districts are, you should be fine. Uber is really cheap in S.F. , and if you are 3-4 people, believe it or not, its sometimes CHEAPER than public transportation when we were running the numbers.
Ah, good point. Thanks.
by FreddieG
Fri Nov 04, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Any recs for a Linux-compatible laptop?
Replies: 62
Views: 9620

Re: Any recs for a Linux-compatible laptop?

I've installed Linux (Ubuntu and RedHat) on various Dell's and have never had an issue. Once, I had to download a proprietary graphics card driver, but that was simple. I have Ubuntu 14.04 running on a Dell Inspiron E6430 laptop, and it runs perfectly. There may be some useful info on this site: htt...
by FreddieG
Fri Nov 04, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 3349

Visiting San Francisco

I am thinking of flying my family from Denver to San Francisco (SFO) for about 3 or 4 days later this month, to burn up some vacation. I can get good fares with Frontier. I was stationed in the Bay Area years ago, in the military, and know most of the touristy places (Alcatraz, GG Bridge, GG Park), ...
by FreddieG
Wed Nov 02, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 12280

Re: What podcasts do you listen to?

On Point with Tom Ashbrook
Fresh Air with Terry Gross
by FreddieG
Sun Oct 16, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - No Odometer Reading
Replies: 4
Views: 1165

Re: Costco Tires - No Odometer Reading

I suspect you guys are right about it being part of our account digitally. Thanks for the replies. I'll find out when I take it in for tire rotation this week.
by FreddieG
Sun Oct 16, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - No Odometer Reading
Replies: 4
Views: 1165

Costco Tires - No Odometer Reading

I bought some Michelins for the minivan from Costco in 2013. They need rotating, so I pulled the receipt from the glovebox, and noticed that they never noted the odometer reading upon purchase. The odometer field on the receipt is blank. I checked everywhere on the receipt, and the mileage simply is...
by FreddieG
Fri Sep 16, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 3969

Re: Will you delete the Stocks App from your iPhone?

I thought peeking at your stocks was a no-no, and most bogle-heads didn't own individual stocks anyway....

Did I misunderstand? :D
by FreddieG
Tue Sep 13, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for excercise
Replies: 17
Views: 2806

Re: Noise cancelling headphones for excercise

I use a pair of cheap noise-isolating buds on the gym treadmill. $15 Do you have a name/link? I'm really looking for a less than $25 pair that I can still hear when there's loud outside noise. Sorry. I just saw your question. Looks like the price has gone up some. https://www.amazon.com/gp/product/...
by FreddieG
Tue Sep 13, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 16513

Re: Alternatives to Quicken 2016?

My name is Grasshopper and I am a Quicken user. I bought Q2016 this January knowing, but cautious about having to update from Windows 7 to 10. Well I I I finally updated to W10 and all is well, now if only I could run it on my ChromeBook. I am faced with the same thing (running Quicken on a Chromeb...
by FreddieG
Sat Sep 10, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for excercise
Replies: 17
Views: 2806

Re: Noise cancelling headphones for excercise

I use a pair of cheap noise-isolating buds on the gym treadmill. $15
by FreddieG
Sun Aug 21, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 17288

Re: Favorite Restaurant Stop on Road Trips

I am always happy to find a Cracker Barrel. If I am in a hurry, Jimmy Johns or Jersey Mikes.

I won't touch Chik-Fil-A for personal reasons.
by FreddieG
Sun Aug 21, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 6253

Re: How much do you spend on coffee/tea?

Costco brand and a good quality insulated mug from REI. That way, out and about, I keep my money in my pocket
by FreddieG
Sun Aug 21, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 7046

Re: Recommend Ad Blockers

I use a VPN most of the time. I don't like Comcast listening in. My VPN, Private Internet Access, blocks ads and malware. It isn't perfect, so I also use UBlock. But in testing, PIA seems to get most.
by FreddieG
Sun Aug 21, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 59532

Re: Self-made Millionaires: how did hitting 7 figures change you?

I am 58 , retired, with about 2.1m. I also have a pension. I acquired my sum through personal savings and 401k over the years. I never panicked and changed my 401k in 32 years. It was a roller coaster, especially 2009. I don't feel like a millionaire, nor do I act like one. It is probably enough to ...
by FreddieG
Sun Aug 07, 2016 9:42 am
Forum: Investing - Theory, News & General
Topic: A costly mistake made by both investors and advisors
Replies: 240
Views: 27057

Re: A costly mistake made by both investors and advisors

I majored in Finance in the early 80s, but spent my career in IT. So I followed the discussion reasonably well, but not enough to argue any points. But is there a take-away that an SWR of 3% is reasonable, as long as you reduce it during a downturn? I am 59 and essentially living off dividends (eg W...
by FreddieG
Wed Aug 03, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Are these home [insulation] items worth it?
Replies: 19
Views: 3079

Re: Are these home [insulation] items worth it?

Another benefit of insulating pipes is noise. Dramatically quieter now when someone is taking a shower
by FreddieG
Wed Aug 03, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 51
Views: 13911

Re: Which financial program to get? Quickbooks vs YNAB vs others

If you have a Mac, consider Banktivity. It is more full-featured than YNAB I believe, http://www.banktivity.com. I just transitioned from Quicken/PC to Banktivity on a MacBook Air. Quicken's reporting feature was a bit stronger, but Quicken evolved into such a bloated mess, I don't miss it (or Wind...
by FreddieG
Tue Jul 26, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 48
Views: 7690

Re: Buying a fairly new RV, suggestions.

I'd like to buy a small off-road teardrop trailer (eg Mony1) But i always get hung up on where to store it. No room in the driveway or garage. And I hate the thought of paying a monthly storage fee.
by FreddieG
Tue Jul 26, 2016 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Best full featured online checking?
Replies: 40
Views: 5514

Re: Best full featured online checking?

I use Alliant Credit Union. They meet most, if not all, of those requirements and options. I don't use all the things you listed, so I can't say for certain. I have seen that nerdwallet ranks Alliant quite high....I've briefly glanced at their website. Good to hear more positive reviews for them. A...
by FreddieG
Sun Jul 17, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: What if the fed never raises rates?
Replies: 23
Views: 4925

Re: What if the fed never raises rates?

I would point to Larry Summer's Secular Stagnation theory. http://larrysummers.com/2016/02/17/the-age-of-secular-stagnation/ The value of a stock or bond is its discounted future cash flows. A drop in interest rates lowers the discount value, giving asset prices a one time boost. From this point fo...
by FreddieG
Thu Jul 14, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 164
Views: 19319

Re: Hiking questions

I live in Colorado and am do a lot of Alpine hiking, including scaling 14ers. I have found that waterproof trail running shoes are adequate (the benefit being less weight than big boots) for most places where snow is not expected. However, if you carry a lot of weight, boots give more ankle support....
by FreddieG
Sun Jul 10, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Three Days in Colorado Springs (August)
Replies: 28
Views: 3389

Re: Three Days in Colorado Springs (August)

Freddie G is quite right about Manitou Springs. It definitely has a big weed vibe to it. It is interesting to watch the change in societal behavior regarding cannabis going on in our country. Nowhere is it more obvious than Colorado. I realize some states (and indeed even our federal government) st...
by FreddieG
Sun Jul 10, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Three Days in Colorado Springs (August)
Replies: 28
Views: 3389

Re: Three Days in Colorado Springs (August)

Smoke weed legally ! This is not my area of expertise, but... "The retail purchase and sale of marijuana is not legal in Colorado Springs. Only licensed retail marijuana stores are permitted to sell recreational marijuana. There are no licensed retail marijuana stores in the City." Source...
by FreddieG
Tue Jun 28, 2016 11:10 pm
Forum: Personal Investments
Topic: Best Checking/Savings Accounts?
Replies: 4
Views: 1003

Re: Best Checking/Savings Accounts?

I use Alliant FCU for checking, savings, and HELOC. I am a happy customer.
by FreddieG
Tue Jun 14, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: 44 Hours in Los Angeles
Replies: 25
Views: 3193

44 Hours in Los Angeles

I am driving with a foreign guest from Las Vegas to LA on a Sunday morning this summer. Our plans allow for spending Sunday and Monday in LA, and leaving Tuesday morning, driving back to Colorado. In this amount of time, and given that my companion is unfamiliar with LA, and the U.S. in general, wha...
by FreddieG
Tue Jun 07, 2016 7:27 am
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 7145

Re: Move to Denver (Job) or stay in NoVA ?

I just retired to Colorado Springs after 35 years in Northern Va. Colorado is a great state for young healthy retirees.

But TJ is a one-of-a-kind school, and nothing else comes close.

Just my opinion.