Search found 121 matches

by dccboone
Mon Oct 15, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 51
Views: 3992

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this :sharebeer There are a lot of these kind of errors floating around VG that aren’t around blackrock, fidelity, schwab, etc... Are you expressing an opinion or do you have facts to support your statement?
by dccboone
Fri Oct 12, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4793

Re: Is it worth filing FAFSA even if you know you'll get nothing?

I would not assume it is required by the college or university. Ask first. We filled it out when my daughter was a freshman. Never did it again for her or my son and neither school required it. If you are not planning on student loans and you know you do not qualify for other student aid, I would no...
by dccboone
Thu Oct 11, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3096

Re: Budget Coffee

Jazzysoon wrote:
Thu Oct 11, 2018 4:17 pm
Peets Major Dickasons - Target usually has it on sale for 7.99/12 oz. Roasted date printed on front of bag.
+1
Love this coffee! One of the few things I splurge on. Pay $12.58 for 20 oz. bag from Amazon.
by dccboone
Mon Oct 08, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12601

Re: What purchase saved you the most money?

Above all else, there are 3 things that have saved us untold thousands of dollars. In addition to Jack's "Little Book on Common Sense Investing", they are Financial Peace University and Vanguard.
by dccboone
Mon Oct 08, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12601

Re: What purchase saved you the most money?

Sandtrap wrote:
Thu Oct 04, 2018 11:00 pm
'The Little Book on Common Sense Investing" by J. Bogle.
Worth every penny.
Bought for $15
Saved me at least 10 million percent of that.
+1
by dccboone
Sat Oct 06, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9501

Re: What is your annual cost for health insurance?

Employer Plan
Annual cost- $18,417 ($1,534.78 per month)
Family Policy
Deductible - $1,000 per person /$2,500 for family
by dccboone
Thu Oct 04, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 157
Views: 12911

Re: Correlation between the FIRE movement and one of the greatest bull markets

The short answer is I don’t know. In fact, there is much I don’t know about FIRE. For example, how prevalent is this movement? Bogleheads and regular visitors to Mr. Money Mustache are certainly aware. However, I have not personally heard it reference by anyone socially or in a work environment. Do...
by dccboone
Thu Oct 04, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6223

Re: [CNBC article: Don't expect to retire at 70]

I don't believe it changes the conclusion either way. As one who has just crossed into that time of life, whether one's life expectancy is age 76 or 83, I believe many people will see their time remaining as very limited. We can quibble about the correct life expectancy the author should have used, ...
by dccboone
Thu Oct 04, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 157
Views: 12911

Re: Correlation between the FIRE movement and one of the greatest bull markets

The short answer is I don’t know. In fact, there is much I don’t know about FIRE. For example, how prevalent is this movement? Bogleheads and regular visitors to Mr. Money Mustache are certainly aware. However, I have not personally heard it reference by anyone socially or in a work environment. Doe...
by dccboone
Sun Sep 30, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1574

Re: Retirement Now or Wait

13.1Runner - Do you know what percent of your portfolio is in equities and what percent is in fixed income like bonds, money market, cash etc.?
by dccboone
Sun Sep 30, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3505

Re: Help me manage my day to day bills to save more!!

Your expenses seem normal but as they say, "the devil is in the details." If you want to reduce debt and save, you should consider something like Dave Ramsey's Total Money Makeover. His Financial Peace class is well worth the low cost. We have followed his budget guidelines since 2012 and saved more...
by dccboone
Mon Sep 24, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7621

Re: Best way to get $100k cash

This may help you pay off your mortgage 3 to 6 months early: (1) If you have an Emergency Fund, and (2) it includes 3 to 6 months of expenses, and (3) those expenses include money for your mortgage, then ... When you are within 3 to 6 months of paying off your home, take the money from your Emergenc...
by dccboone
Sun Sep 23, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Care About My Credit Score if Debt Free?
Replies: 34
Views: 2557

Re: Should I Care About My Credit Score if Debt Free?

Whether you care about your credit score or not, your credit score will continue to be an important part of your life — even if you are not applying for loans. Check your credit reports and your credit scores often. Check for fraud. Check for mistakes. Be aware of how the way you have chosen to liv...
by dccboone
Sun Sep 23, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Care About My Credit Score if Debt Free?
Replies: 34
Views: 2557

Re: Should I Care About My Credit Score if Debt Free?

Whether you care about your credit score or not, your credit score will continue to be an important part of your life — even if you are not applying for loans. Check your credit reports and your credit scores often. Check for fraud. Check for mistakes. Be aware of how the way you have chosen to liv...
by dccboone
Thu Sep 20, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Morningstar free "Portfolio Makeover"
Replies: 5
Views: 809

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: 809

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: 139
Views: 8724

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: 869

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: 293
Views: 25159

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: 99
Views: 12631

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: 77
Views: 8677

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: 8502

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: 2675

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: 99
Views: 12631

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: 99
Views: 12631

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: 6489

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: 1591

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: 1151

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: 1968

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: 9929

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: 9738

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: 7854

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: 2682

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: 1924

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: 1367

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: 3543

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: 6192

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: 3586

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: 2130

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: 2130

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: 9738

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: 6799

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: 5402

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: 2707

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: 18383

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: 56011

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: 712

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: 712

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: 712

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: 8582

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...