Search found 65 matches

by dccboone
Sun Apr 22, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 14
Views: 1162

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: Vanguard Customer Service
Replies: 37
Views: 3045

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: 656

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: 656

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: 656

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: 656

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: 656

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 Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3486

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...
by dccboone
Mon Mar 19, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Annuities?
Replies: 10
Views: 1199

Re: Annuities?

Re: Annuities? Post by krow36 » Sun Mar 18, 2018 8:21 pm "How to Make Your Money Last, The Indispensable Retirement Guide" by Jane Bryant Quinn is an excellent book that explains the various types of annuities and their pros and cons. And a whole lot more about financing a retirement. It’s available...
by dccboone
Mon Feb 26, 2018 10:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 4825

Re: Nisiprius at 35,000 posts

Congratulation Nisiprius! I believe you have contributed to informed decision making for many (including myself) through your due diligence. Thank you!
by dccboone
Mon Feb 26, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 1753

Re: What is your credit score?

Have never checked it and don't have a clue. Have no debt and pay cash whenever possible. "Neither a borrrower nor a lender be;/For loan oft loses both iteself and friend."
by dccboone
Mon Feb 26, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 2382

Re: AC/Furnace Questions- 1 stage or 2 stage?

I would ask two questions from any company providing a bid: What is the cost to replace the motor? How much time is normally required to get the replacement part? I believe you will have your answer once the companies provide this information for both 1 and 2 stage units. Hope this helps.
by dccboone
Tue Feb 13, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12277

Re: Anybody else Age - 10 in bonds, rest in stocks

I am currently - age 60 and 50/50. But it's only happenstance. IPS states I will remain at 50/50 until age 70.
by dccboone
Mon Feb 12, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2425

Re: Lower Payroll Withholding - What are you doing with it?

Increased retirement withholding from $2,250.00 per month to $2,291.66 to take advantage of the new ceiling for 403b annual contributions which increased from $27,000 to $27,500 with the new tax bill.
by dccboone
Mon Feb 12, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3930

Re: Home buying: how to send postcards to neighborhood we want to live in?

The United States Postal Service has a program called USPS® Every Door Direct Mail. You can go on-line and pick a specific neighborhood you want to cover. It will tell you how many homes are in the specific area selected. You can also select residential properties only so no businesses are included....
by dccboone
Sun Feb 11, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3930

Re: Home buying: how to send postcards to neighborhood we want to live in?

I’d like to prospect our target neighborhood with a nice photo postcard of our family that introduces us and politely asks if they’re thinking of selling. I would suggest not including a photograph of yourself. The problem is that the photograph would show your race which could open up a whole can ...
by dccboone
Sat Feb 10, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2267

Re: Wellesley Income performance

Wellesley Income on a YTD basis is -3% versus -2% SP500. I know duration/ average maturity is longer (6/9) but is the energy overweight causing this massive underperformance (92% percentile) Jim3 - You and I are clearly cut from different cloth. Why invest in something if your commitment can be und...
by dccboone
Wed Feb 07, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 4234

Re: Retired or close to it -- what do you hold in bond portion?

I'm 60 and 1.5 years from retirement. My asset allocation is 50% equites (split 65/35 U.S. & International) and 50% fixed income. Fixed Income breakdown is as follows: INTERMEDIATE BONDS Total Bond Index Fund 18.75% Intermediate Term Corporate Bond (taxable account) 4.00% Wellesley Income Fund - fix...
by dccboone
Mon Feb 05, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13841

Re: Financial Hole

Go to the library and check out Dave Ramsey The Total Money Makeover. Work the plan and come back with specific issues or questions for support. Also check out other frugal village or similar forums about Dave Ramsey I will second Olemiss540's recommendation. Read The Total Money Makeover . If poss...
by dccboone
Tue Jan 30, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard CEO - "4-4.5% Market Returns Over The Next Decade"
Replies: 35
Views: 5326

Re: Vanguard CEO - "4-4.5% Market Returns Over The Next Decade"

wootwoot wrote:
Mon Jan 29, 2018 9:57 pm
Does Vanguard have a crystal ball? Why is their opinion any more or less important than anyone else's?
It's not. Noise is noise.
by dccboone
Mon Jan 22, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987565

Re: What Movie Have You Recently Watched?

The Greatest Showman - The film is inspired by the story of P. T. Barnum's creation of the Barnum & Bailey Circus and the lives of its star attractions. One of the best films I have seen in the last 5 years. Starring Hugh Jackman, Zac Efron, Michelle Williams, Rebecca Ferguson, and Zendaya.
by dccboone
Sat Jan 20, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 34847

Re: What's your U.S. : International ratio?

65% U.S. / 35% International
by dccboone
Wed Jan 03, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 9229

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2854.33

Also submitted on spreadsheet

To all so-called Wall Street "experts" - I don't have a clue and neither do you! :wink:
by dccboone
Fri Dec 22, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 166
Views: 18823

Re: Bitcoin in Freefall

Eddie Murphy described this sme situation in Trading Places - just replace "porkbellies" with Bitcoin. Enjoy! https://www.youtube.com/watch?v=uI4fVgVVpiwa
by dccboone
Wed Dec 20, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54192

Re: Tax Bill Omnibus Thread

I appreciate everyones help on this thread. I have the most basic of questions: Does the increase in the standard deduction apply to 2017 tax returns being completed in spring, 2018 or does it only start when doing 2018 tax returns in spring of 2019?
by dccboone
Mon Dec 18, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Is Menards the future of retail? If so, what does it mean?
Replies: 37
Views: 2636

Re: Is Menards the future of retail? If so, what does it mean?

I am not as enamored with Menard’s as the OP. I worked in the same community where Menard’s has one of its larger stores. I can’t count the number of times I needed a simple piece of hardware and Menard’s didn’t have it or was out-of-stock. As a customer, it’s frustrating when you’re walking out of ...
by dccboone
Sat Dec 16, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 9773

Re: How much do you spend on food per month, per person?

Standard month we spend $250 per person (2 adults). During November and December, average per person budget increases to $275 to account for holiday meal prep.
by dccboone
Wed Dec 13, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 6110

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

So, I will ask again ... Whiteprius I'm confused. You've been a contributing member on the Forum for nearly 2 years but recently have been asking questions related to market timing, buying on margin, risky investments, crash indicators and the like. Can you help us better understand your investment ...
by dccboone
Wed Dec 13, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 6110

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

Whiteprius I'm confused. You've been a contributing member on the Forum for nearly 2 years but recently have been asking questions related to market timing, buying on margin, risky investments, crash indicators and the like. Can you help us better understand your investment philosopy and how it diff...
by dccboone
Thu Dec 07, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 5556

Re: I received a speeding ticket via mail from IA - should I pay it?

Post by spitty » Thu Dec 07, 2017 6:49 am dccboone wrote: ↑Wed Dec 06, 2017 11:23 pm One final thought; during the past two years, I received two tickets from these same cameras. In both instances I was speeding more than 9 miles per hour over the limit and I paid both tickets. Did you get any point...
by dccboone
Wed Dec 06, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 5556

Re: I received a speeding ticket via mail from IA - should I pay it?

As a resident of Iowa, first let me apologize for local municipalities in our state that I believe are utilizing this technology as a means to simply raise revenue. Attached are two recent Iowa newspaper articles discussing this topic. A Google search will uncover many more from our state as well. T...
by dccboone
Fri Dec 01, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11859

Re: Price of haircut?

Same as arsenalfan: #2 on top, fade to #1.5 on sides/back. Straight-razor shave of neck and sideburns. Twice a month - $14, plus $1 tip.
by dccboone
Sun Nov 19, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 5400

Re: Jack Bogle, the word's richest man

How many people in the history of the world gave up billions to help others? I can think of only one. Nice thought, but not even remotely close. Bill Gates donated $4.6 Billion in a single month (June 2017) to combat malaria. This is part of a decades-long history of philanthropy. The foundation th...
by dccboone
Mon Nov 13, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 16650

Re: Why pay cash for a car?

To each his own. We do not buy new cars and do not borrow to buy a used one either. If we can afford to make the monthly payment, then we can afford to save the same amount each month until we've saved enough to pay cash. It's what works for us.
by dccboone
Wed Nov 08, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 234
Views: 26421

Re: How old are you and how much do you save for retirement a year

I'm 60, she's 57 and neither receives company match. Proud to say we will save 42% of net income this year. 2016 was 41% and 2015 was 40%. I think there may be a pattern developing here? The challenge for 2018 - find our way 43%. :beer
by dccboone
Thu Oct 19, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 6462

Re: Is a crash coming soon?

aristotelian wrote:
Thu Oct 19, 2017 2:05 pm
Gut feeling says 5-10% correction followed by flat market for a while.
I'm not banking on aristotelian's gut feeling and I hope he isn't either. :P
by dccboone
Thu Oct 19, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 6462

Re: Is a crash coming soon?

Welcome to the forum Jacky817. It looks like you have been doing a bit of homework believing it will help you predict when the market will go down or up. It’s a fool’s game. Don’t waste your valuable time. And, I don’t understand why you would be reluctant to invest regularly. My recommendation is t...
by dccboone
Tue Oct 17, 2017 11:59 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5798

Re: The overselling of international diversification

I won’t argue pro or con regarding whether or not there is or isn’t a correlation between U.S. and non-U.S. stock returns. Right or wrong, I believe my risk is better spread over 9,899 company stocks rather than only 3,636 (Total Stock Index (VTSAX) represents 3,636 U.S. companies, plus Total Intern...
by dccboone
Tue Oct 10, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 4754

Re: Protecting against the possibility of a correction?

“Meb Faber has an article out where he explains the use of a combination of monthly 5% out of the market put options on the market plus government bonds.” I believe the use of the term “article” implies this piece has some journalistic value. Let’s be clear, this is a sales brochure. Its job is to ...
by dccboone
Wed Oct 04, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3839

Re: We're Debt Free (Except our House)!

Congrats! Great work! The only non-mortgage debt we have currently is my 2016 truck. I have been paying way over the normal payment but have been contemplating using some of my emergency fund + tax refund to pay it off next February, then replenish the fund with what I was paying on the truck month...
by dccboone
Wed Oct 04, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4828

Re: another 2 comma club member

Congratulations! Keep up the good work. :sharebeer
by dccboone
Wed Sep 27, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Meaningful wedding gift?
Replies: 20
Views: 1810

Re: Meaningful wedding gift?

How about a nice bottle of vintage champagne that can share together for a special toast on their first anniversary?
by dccboone
Tue Sep 26, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3966

Re: Verizon TravelPass

We tried to use Verizon TravelPass on recent trips to Vancouver and Italy but found it to be of almost no value in either place. Had very difficult time with reception unless we were in a place with wifi. Without good reception, Google maps was of no use. Not sure what experience others have had? Be...
by dccboone
Mon Sep 25, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 6152

Re: Vanguard charged me $140 in service fees

Based on the very limited information provided by sawhorse, I'm not ready to toss Vanguard under the bus on this one. Often times these days people want to jump on social media or an online forum to plead their case before doing their homework to determine exactly what has happened (seek first to un...
by dccboone
Mon Sep 11, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 4344

Re: Freezing Credit Report - Effect on Auto Insurance

I can only speak for myself. We froze our credit in 2013 and it has had no negative impact on our insurance rates that I'm aware of. During that period we switched our insurance to Geico because they beat the rate we were paying a State Farm. In March of this year, we switched to Grinnell Mutual bec...