Search found 107 matches

by dccboone
Thu Sep 20, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Morningstar free "Portfolio Makeover"
Replies: 5
Views: 750

Re: Morningstar free "Portfolio Makeover"

Shoot, we do Portfolio Makeovers all the time here at Bogleheads. I see Money Magazine do these as well. We didn't see it as competition for the good work done by Bogleheads nedsaid. It was simply an opportunity to get another informed point-of-view by someone I believe is well respected in this co...
by dccboone
Thu Sep 20, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Morningstar free "Portfolio Makeover"
Replies: 5
Views: 750

Re: Morningstar free "Portfolio Makeover"

We submitted our information a few years ago and were one of the five selected. We enjoyed the opportunity to work with Christine Benz and we appreciated her thoughts and recommendations. In addition, she takes great care in changing all of your personal information so no one will ever know your tru...
by dccboone
Wed Sep 19, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 120
Views: 6475

Re: Physical Banking - Any benefits anymore?

Like many, I do most of my banking and bill paying online through my local credit union. However, I also visit their branch that's only a few blocks from our home at least once a week to make deposits and the like. I know most of the folks that work there on a first name basis and they couldn't be m...
by dccboone
Wed Sep 19, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Philanthropy 101
Replies: 13
Views: 804

Re: Philanthropy 101

I believe you want to learn more about a donor-advised fund with check writing capabilities.
by dccboone
Tue Sep 18, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13521

Re: What is your single most expensive mistake?

In 2012 my wife and I started following Dave Ramsey’s Baby Steps. It's still one of the best things we’ve ever done. We didn’t have much debt at the time, but it helped us save like never before and eventually reach our retirement savings goal. However, we should have stopped reading Dave’s book bef...
by dccboone
Tue Sep 18, 2018 7:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 94
Views: 11320

Re: Roll Call for the Retirement Class of 2019!

Please add me to the Class of 2019. I've set the date and cannot wait - Friday, September 27th. Will be 62. Welcome to this Class dccboone! "Set the date and cannot wait" - say it over and over again :D Tell the boss - thanks for the pay and the 401k. But I'm outta here :D Thank you Miriam2!
by dccboone
Wed Sep 12, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 68
Views: 7190

Re: Why do we expect TSM to keep growing?

I hope for some growth over time. Either way, I’m just along for the ride. :D
by dccboone
Mon Sep 10, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8081

Re: Can Sneakers go with Business Casual?

If you have to ask, the answer is usually no. As my first boss told me, it's always better to be overdressed than underdressed. And it's ALWAYS better to be early rather than late.
by dccboone
Wed Sep 05, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 31
Views: 2607

Re: Fee only Financial planners

In some ways, our experience was similar. In others very different. In 2016 we went in search of a fiduciary to help us develop a comprehensive retirement plan. While we had our own plan, this was really an opportunity for a second opinion. Within our Midwestern state, we were able to find eight tru...
by dccboone
Wed Sep 05, 2018 3:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 94
Views: 11320

Re: Roll Call for the Retirement Class of 2019!

jazman12 wrote:
Wed Sep 05, 2018 10:25 am
December 31st 2018... officially out of the game!
jazman12 - Welcome to the class of 2019. I guess your retirement date makes you an in-betweener. Congratulations!
by dccboone
Wed Sep 05, 2018 10:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 94
Views: 11320

Re: Roll Call for the Retirement Class of 2019!

Please add me to the Class of 2019. I've set the date and cannot wait - Friday, September 27th. Will be 62.
by dccboone
Tue Sep 04, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6345

Re: Emergency fund size

For those with a mortgage, something you may want to consider. If your Emergency Fund includes 3 to 6 months of expenses and those expenses include money for your mortgage, when you’re close to paying off your home, take the money from your Emergency Fund that’s set aside for your mortgage and pay y...
by dccboone
Tue Sep 04, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1546

Re: Types of seed for new lawn or sod?

Anyone who has shopped recently for grass seed may have noticed many national brands now include a coating on their seed. I thought this was interesting from Consumers Digest. "A water-absorbing coating now is found in all-in-one and traditional grass-seed products. Scotts includes a water-absorbing...
by dccboone
Sun Sep 02, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1101

Re: Do you take advantage of all identity monitoring offers?

No we do not. For your consideration, answer a simple question. What would you do if credit monitoring indicated your personal information was being used to open multiple accounts or was being sold on the "dark web"? We would immediately freeze our credit. And that's exactly what we did.
by dccboone
Thu Aug 30, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Terminated, Can't Reinstate
Replies: 11
Views: 1923

Re: Health Insurance Terminated, Can't Reinstate

I have a question for the OP that I'm curious about. Since the first of the year, did you receive any notification in the mail that your insurance was going to be cancelled?
by dccboone
Thu Aug 30, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9712

Re: How do you save money on groceries?

It sounds like you are doing many things right. There are two things we always do to manage our grocery expenses. First, we establish a monthly budget. Second, we pay cash for our groceries. Together, those two things will help reduce monthly food expenditures. Good luck!
by dccboone
Wed Aug 29, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9639

Re: Vanguard loses its soul with new website

... Vanguard’s new website has a stimulating, bright white background color, which is shown to encourage activity (and why “Dark Mode” was introduced to various operating systems, so we may get some sleep at night). When focusing on investing for retirement, I do not want to be stimulated into maki...
by dccboone
Fri Aug 24, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7763

Re: I still use cash not credit cards should I reconsider?

Are we going to beat this dead horse again? I guess we are. :(
by dccboone
Thu Aug 23, 2018 8:45 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 2567

Re: Rating system for posts/posters ?

Tdubs wrote:
Thu Aug 23, 2018 8:18 am
Leave it be. I'm amazed at the civility of this forum and the fair treatment of viewpoints. Your comments rise or fall based on your persuasive arguments, sound advice, and use of evidence. We don't need a star system.

Treat all posters as equals, even if we aren't.
+1
by dccboone
Mon Aug 20, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1882

Re: Cell phone insurance

You might want to check with your homeowner's insurance agent. We pay about $50 per year for a mobile phone rider that pays replacement value if a phone is lost or damaged. Given the price of a new mobile phone and the number of times our teenagers damaged their phone, it seems more than reasonable ...
by dccboone
Mon Aug 20, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Question from an FA
Replies: 12
Views: 1353

Re: Question from an FA

I believe the answer is simple. Become a fiduciary. Act only in the best interest of your clients. There is a huge need and you will have an important point-of-difference as compared to most other financial advisors. Hope this helps.
by dccboone
Mon Aug 20, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3498

Re: Another reason to be wary of international stocks...

I think you should consider renaming your thread “Another Reason to be Wary of CNBC.” I don’t take investment advice from CNBC for one very simple reason – I’m not their primary customer and neither are you. If you want to know who their customers are, just watch which companies are their most frequ...
by dccboone
Fri Aug 17, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6150

Re: Savings rate per month???

I'm 61, my wife is 58. We try to increase our retirement savings rate by 1 percentage point each year. In 2017 we saved 41% of net income and as of August 1st, we're on track to save 42% of net take-home this year. That's possible because we have no debt, live below our means, follow a monthly budge...
by dccboone
Sun Aug 12, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3573

Re: Cleaning gas grill

You might want to try a bunched-up wad of aluminum foil. It works great. I just scrub the grates with the foil and it takes off most everything. No need to remove the grates or anything else. And if you're like us and sometimes save foil that may have previously been used to cover a dish, it's also ...
by dccboone
Sun Aug 12, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 2104

Re: Vanguard updated 1099 in August!

This post is mainly to rant and vent, but I think about all the extra time and hassle spent by not only by the customers receiving these late amended documents, but then also by the IRS workers who have to process all the amended 1040s now due. Just curious if Vanguard gets any penalty - other than...
by dccboone
Sun Aug 12, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 2104

Re: Vanguard updated 1099 in August!

This post is mainly to rant and vent, but I think about all the extra time and hassle spent by not only by the customers receiving these late amended documents, but then also by the IRS workers who have to process all the amended 1040s now due. Just curious if Vanguard gets any penalty - other than...
by dccboone
Sat Aug 11, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9639

Re: [New Vanguard website layout starting Saturday, August 11]

For my accounts, every page except the home page has now been updated. It's clean, easy to read and summarizes key information I'm interested in reviewing. In my opinion, I believe it's an improvement. Thank you Vanguard!
by dccboone
Fri Aug 10, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6759

Re: Paper checks yes or no?

Use on-line bill paying but believe there is still a role for the written check. Just reordered two boxes. Last order lasted 3.5 years. My guess is these will last 5.
by dccboone
Fri Aug 03, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5346

Re: Colorado Summer Vacation - what to see and where to stay

I was just there on Saturday. Yes, the road is paved all the way to the summit at 14,130 feet. It is a climb, but cars can make it. Road is rough for a stretch about three-quarters of the way up. Just go slow. And bring a coat. Last Saturday it was warm and sunny at the base and low 40's, 25+ mph wi...
by dccboone
Tue Jul 24, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2653

Re: Tornadoes in Iowa,Nebraska,KC In August

I live very close to the area being discussed. Tornados that produce this type of damage are relatively rare in Iowa. It happens, but it’s very unusual. I wouldn't give it a second thought. Enjoy one of the biggest state fairs in the country. Over million people attend each year throughout the 10 da...
by dccboone
Thu Jul 12, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17856

Re: COMING SOON: BOGLEHEADS PODCASTS

Talking Bogleheads +1

Bogleheads Average Investor

Bogleheads Take on Investing +1

Bogleheads DYI Investing
by dccboone
Thu Jul 12, 2018 6:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 54406

Re: Reached 7 figure

Congratulations! Here's to reaching your next goal and many more after that.
:sharebeer
by dccboone
Fri Jul 06, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward
Replies: 7
Views: 691

Re: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward

Thanks everyone. I really appreciate your help. Hope each of you has a nice weekend.
by dccboone
Fri Jul 06, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward
Replies: 7
Views: 691

Re: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward

Thanks mhc. I actually started with the prospectus. While it provides a graphic of the equity/fixed income glide path, there is no specific breakdown of each specific asset by year. For example, what is the TIPS glide path within the fund. I also searched in the wiki and found some detailed historic...
by dccboone
Fri Jul 06, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward
Replies: 7
Views: 691

Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward

I'm in the process of updating my Investment Policy Statement and would like to model my IPS glide path similar to Vanguard's Target Retirement 2020 fund. Would anyone know where I can find a breakdown of the yearly 2020 glide path percentages for each of the 5 different assets held going forward? A...
by dccboone
Thu Jun 14, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 60
Views: 8472

Re: 47 and clueless - direction needed

Welcome to the forum. It's time to take control of your retirement savings and Bogleheads is a great place to start. Learn from the good people here. They know of what they speak. Second, I might consider some expression of the popular saying "revenge is a dish best served cold." Perhaps a trip to a...
by dccboone
Tue Jun 12, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard -Data Concerns
Replies: 29
Views: 2434

Re: Vanguard -Data Concerns

Lefty517 you are unequivocal in your conclusion that both of these occurrences were the result of data errors by Vanguard. Perhaps you may be right. What evidence do you have that there were no changes in the final closing numbers from the 71 company stocks currently held by Wellesley or the 1044 bo...
by dccboone
Wed Jun 06, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: New SS claiming calculator ["Open Social Security" - ObliviousInvestor]
Replies: 65
Views: 5942

Re: New SS claiming calculator

Nice job Mike! I appreciate the effort you put forth to design a functional tool with complex inner workings and a simple, straightforward, outer appearance. Like a total stock market index fund, I have a fond appreciation for the simpler things in life. One caution; beyond any debugging or minor tw...
by dccboone
Thu May 31, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4486

Re: Do you have a monthly household budget?

I always find it interesting how people respond to a question about whether or not they follow a budget. Often those who don’t budget assume that those who do lack the ability to manage their spending and they therefore use a budget to help provide the necessary discipline to control overspending. O...
by dccboone
Sun May 20, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: Roll your own index fund current viability
Replies: 22
Views: 1685

Re: Roll your own index fund current viability

Welcome to the forum. I can’t answer your question whether or not the "roll your own index fund" method is more viable than in the past? I don’t know. And I don’t want to try and discourage your effort to find a better way. After all, that’s exactly what Jack Bogle did. Since then, many have come be...
by dccboone
Sat May 12, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 7196

Re: Cancer - tips?

Camillus my best wishes for a speedy recovery. Something I believe everyone should do for their spouse is to have all account details and related passwords located in one place. I keep this information up-to-date in a sealed envelope in our safety deposit box. Dave Ramsey refers to it as a Legacy Bo...
by dccboone
Tue May 08, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2952

Re: Happy 89th birthday to Bogle

Happy birthday Jack! My hope is that you will be awarded the Presidential Medal of Freedom during your lifetime. I cannot think of anyone more deserving.
by dccboone
Sun Apr 22, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 2231

Re: Traveling to italy.........

There's plenty of options. We didn't lock ourselves into a specific time. Instead, when we were ready to go, we'd check the next departure time and go to the station about 45 minutes before scheduled departure.
by dccboone
Fri Apr 06, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 97
Views: 6094

Re: Vanguard Customer Service

Oner, based on a number of things you’ve said and the way you said it, it sounds to me like you may have received what you deserved. I speak from experience and admit I’ve acted the same way. In these types of situations we no longer treat people the way we were taught by our parents. Civility, deco...
by dccboone
Mon Apr 02, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What is Causing 403(b) Tax Preparer Problem?
Replies: 9
Views: 823

Re: What is Causing 403(b) Tax Preparer Problem?

For clarification, the recent problem we experienced was when we were having our taxes prepared by an experienced preparer at H&R Block. We were not using their in-home software. The Boglehead who had a similar experience in January 2017 was using their software. They key question we’re contemplatin...
by dccboone
Sun Apr 01, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is Causing 403(b) Tax Preparer Problem?
Replies: 9
Views: 823

Re: What is Causing 403(b) Tax Preparer Problem?

Thanks donecahedron. I appreciate your perspective.
by dccboone
Sun Apr 01, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is Causing 403(b) Tax Preparer Problem?
Replies: 9
Views: 823

Re: What is Causing 403(b) Tax Preparer Problem?

Similar problem was described with H&R Block software in January, 2017. In this post (see below) the same problem occurs with a 403(b) contribution when the employer uses Box 12 code E. In both cases the H&R block tax preparer and in-home software user had the same outcome of being told they overcon...
by dccboone
Sun Apr 01, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: What is Causing 403(b) Tax Preparer Problem?
Replies: 9
Views: 823

Re: What is Causing 403(b) Tax Preparer Problem?

Thanks dodecahedron and pajamas. I edited my post to reflect the correct $18,000 maximum standard contribution plus the $6,000 catch-up for being age 50.
by dccboone
Sun Apr 01, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: What is Causing 403(b) Tax Preparer Problem?
Replies: 9
Views: 823

What is Causing 403(b) Tax Preparer Problem?

The Situation: My wife is a teacher, and because she’s over 50 years of age and has been employed by the same school district for over 15 years, she’s allowed to contribute up to $27,000 annually into her 403(b) Roth. So, she contributed the $27,000 maximum in both 2016 and 2017 which included the ...
by dccboone
Mon Mar 26, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 5076

Re: Computer Security

by stlrick » Mon Mar 26, 2018 10:23 am After spending a lot of time looking into this, I bought a Chromebook as a secondary machine and use it exclusively for on-line financial management. No email, no games, no searching, no blogs, no nothing. When I open the Chrome browser, the 10 or so links at w...