Search found 85 matches

by dccboone
Fri Aug 17, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 63
Views: 4786

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: 3279

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: 1980

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: 1980

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: 115
Views: 7599

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: 6206

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: 61
Views: 4521

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: 2494

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: 359
Views: 15071

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: 480
Views: 47605

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: 658

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: 658

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: 658

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: 8316

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: 2359

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: 5605

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: 4223

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: 1605

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: 7090

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: 2850

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: 2175

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: 4069

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: 800

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: 800

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: 800

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: 800

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: 800

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: 4898

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: 1369

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: 5668

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: 1988

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: 3352

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: 13284

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: 2668

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: 4298

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: 4298

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: 3039

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: 4802

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: 15308

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: 5764

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: 3657
Views: 1039018

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: 213
Views: 39009

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: 154
Views: 11582

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: 168
Views: 20907

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: 60802

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: 2899

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: 10735

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.