Search found 366 matches

by Bruce
Sun Jun 21, 2020 12:55 pm
Forum: Personal Investments
Topic: Official Retirement in 6 months - Is My Portfolio Ready?
Replies: 8
Views: 1927

Re: Official Retirement in 6 months - Is My Portfolio Ready?

Agree with pay off your car loans first. No reason at all to hold that much cash in checking and Still have small Interest charging loans, pay them off! You may be able to increase your auto insurance deductible as well, once you own your cars in clear title and save some money on your auto insuranc...
by Bruce
Mon May 25, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3541

Re: Tesla Y test drive

If you are considering the RAV 4 as a quieter vehicle, suggest you will likely be disappointed, Own a RAV 4 hybrid with their top trim line and although a good vehicle, it is NOT especially quiet, Toyota seems to save the noise reduction technology and extra sound deadening materials for their Lexus...
by Bruce
Mon May 25, 2020 3:05 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 36
Views: 3125

Re: MEMORIAL DAY

Thank You Taylor And thanks for sharing the poem your comrade wrote. In this unusual year all of the American Battle Monuments Commission Cemeteries and Memorials are closed because of the Pandemic. Hope one day to visit and pay my respects to the fallen at the Manila American Cemetery. https://www....
by Bruce
Fri Mar 13, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a university/college for my son a future Computer Science Major
Replies: 117
Views: 8913

Re: Choosing a university/college for my son a future Computer Science Major

Just wanted to add this list of schools to the mix, participating in the NSF funded “scholarships for service “cyber corps”. https://niccs.us-cert.gov/formal-education/cybercorps-scholarship-service-sfs The Scholarship for Service (SFS) Program is designed to recruit and train the next generation of...
by Bruce
Sun Feb 23, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 2905

Re: Berkshire Hathaway 2019 Shareholder Letter

You may want to check these other threads with opinions on actually attending the meeting. BRK Annual Shareholder Meeting- is it worth going? https://www.bogleheads.org/forum/viewtopic.php?t=210637 I was wondering if there is value in attending Berkshire's Annual meeting in person versus watching it...
by Bruce
Sun Feb 23, 2020 2:58 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 2905

Re: Berkshire Hathaway 2019 Shareholder Letter

One share ownership is enough to attend the annual meeting How To Get Your Annual Meeting Credentials • You must be a Berkshire Hathaway Shareholder • Shareholders are entitled to a maximum of 4 meeting credentials • The 2019 Annual Report will be mailed to shareholders of record and beneficial-but-...
by Bruce
Sat Feb 22, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can 2019 Mac HR Block Software import 2018 HR Block PC taxes
Replies: 5
Views: 342

Re: Can 2019 Mac HR Block Software import 2018 HR Block PC taxes

It will definitely import a PDF file of previous years taxes, so worst case is print and save last years return as a PDF file and then move that file to your new version when your new MAC version asks for the location of the imported file for last years return. You can just email the PDF file from y...
by Bruce
Sat Feb 22, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 2905

Re: Berkshire Hathaway 2019 Shareholder Letter

Letter is shorter then usual, but the information about how Buffet has directed the large amount of his personal Berkshire holdings to stay in Berkshire stock and slowly revert to charity over a 12 to 15 year period was info I had not seen before. “Today, my will specifically directs its executors –...
by Bruce
Sat Feb 22, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 2905

Re: Berkshire Hathaway 2019 Shareholder Letter

“I didn’t realize that Kraft was trading below its GAAP book value.” It is not trading below “book value”in the usual use of the term book value for a stock. Rather, Berkshire is required to report the difference between their total purchase price of the Kraft Heinz shares they hold and year end mar...
by Bruce
Tue Feb 18, 2020 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on whether to renew my disability policy
Replies: 8
Views: 411

Re: Opinions on whether to renew my disability policy

One opinion, Wait till your kids are done with senior year of college. I know a surgeon who had his practice instantly ended by a minimally insured teenager driver making a mistake and causing a traffic accident, as he was commuting to his office for a day of surgery. Besides physical pain of the in...
by Bruce
Fri Feb 14, 2020 12:06 am
Forum: Investing - Theory, News & General
Topic: Berkshire Annual Meeting in person
Replies: 41
Views: 3494

Re: Berkshire Annual Meeting in person

Enjoyed it one time, went with a pilot friend and left at the break to tour the Net Jets fleet out at the airport. Amazing display of different corporate jets. Those who can afford Net Jets really do live differently then you and me. Once was enough for me, but glad I went. The trade show of Berkshi...
by Bruce
Sat Jan 25, 2020 5:08 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4092

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday Taylor! I will be thinking of you when I re read my "signed by the author" copy of "The Bogelheads Guide to the Three-Fund Portfolio" this week! All the best to you and hoping for another great year! Thanks for constantly sharing your optimism and your wisdom with the rest of us. rega...
by Bruce
Wed Jan 08, 2020 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 43
Views: 26289

Re: Death Book

Vanguard has a free downloadable 16 page PDF to fill in your personal records inventory that is fairly comprehensive at http://vanguard.com/pdf/PASPRI_052019.pdf Vanguard says "This document is intended to help you organize your family’s important financial information and documents. This document i...
by Bruce
Fri Jan 03, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: TSP progress on 2-factor authentication announced
Replies: 4
Views: 937

Re: TSP progress on 2-factor authentication announced

TSP 2 factor authentication is up and running, and now mandatory since Late December 2019. Downside is you no longer get automated pull of that info to your Vanguard outside accounts, using the account aggregator tool at Vanguard, as 2 factor authentication defeats that automated pull. If anyone has...
by Bruce
Tue Nov 26, 2019 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Career Decision [Federal employee]
Replies: 18
Views: 1954

Re: Career Decision [Federal employee]

First and foremost, Turn the phone off when you want to sleep!!! One advantage of fed employment is the ability to take a “detail” assignment to another part of an agency or department. Are there any out there you can apply for? Are there any extended training assignments you can take advantage of? ...
by Bruce
Mon Nov 25, 2019 11:04 pm
Forum: Personal Investments
Topic: New to this board! Portfolio review?
Replies: 4
Views: 630

Re: New to this board! Portfolio review?

Welcome to posting on the forum, You should give serious thought to Dr Bill Bernstein’s comment “when you have won the game stop playing with the money you really need”. Do you really need to keep taking the amount of market risk you currently are exposed to? To your questions: 1 Mortgage free home ...
by Bruce
Sun Nov 10, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1343

Re: FirstNet by AT&T

I am a FN user. Joined because I get it through work. My Experience is the network performance varies greatly depending on location of the tower compared to the user. But that will be true for any cell user. There is no generic yes or no answer to your question. It is specific to your use case at a ...
by Bruce
Wed Oct 30, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14010

Re: Apple Pay. Does anyone use it?

Goblin, Thanks for the lead, I just learned when entering cards in Apple Pay through the wallet which uses a “photoframe” of the card, it then stores them In the Wallet looking just like the credit card. So my airline card looks like the airline logo, Costco looks like Costco, etc. Did not do that w...
by Bruce
Wed Oct 30, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14010

Re: Apple Pay. Does anyone use it?

You can enter several cards, but Apple seems to make it hard to tell them apart when all are Visa cards. Is there any way to nickname or label the different cards to help tell them apart in Apple Pay? Since Apple Pay only shows the same generic Visa card graphic for each of three Visa cards I entere...
by Bruce
Thu Jul 18, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Next "Bogleheads on Investing" podcast guest
Replies: 61
Views: 7695

Re: Larry Swedroe: Next "Bogleheads on Investing" podcast guest

Rick Thanks so much for doing these podcasts! They are gems! I would be curious to hear Larry’s thought on “recency bias” impacting investor expectations of future investing returns. Has it been long enough since the last market downturn, that investor perceptions of market risk are impacted? Is Lar...
by Bruce
Sun Feb 17, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 27
Views: 6358

Re: "Stay The Course" -- Jack Bogle's last book -- A Gem

Taylor Thanks for yet another in your outstanding series of “Gems”. This one is a bit more poignant since we now know this is the last book we have been gifted from John Bogle. Your continuing willingness to devote the time to select some of the very best ideas, quotes and thoughts from a book and s...
by Bruce
Wed Feb 13, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Car rental drop-off fees
Replies: 18
Views: 1911

Re: Car rental drop-off fees

Those prices seem high unless you are hitting a holiday weekend or a major event.

Try Costco travel rental car comparison.

Picked some random 8 day periods in May and found numerous choices well under $400, all in PHX to SEA.

regards
by Bruce
Wed Feb 13, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1367

Re: Black Fly Protective Head Gear

One other idea if your mode of travel allows for it. It can be enormously satisfying to have one of those plastic battery powered bug zapper type metal mesh rackets in camp, or stowed in your car, to hold back the flying hordes. Your wife may enjoy the chance to refuse to be a victim of those biting...
by Bruce
Tue Feb 12, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1367

Re: Black Fly Protective Head Gear

I saw "insect shield" impregnated labeled clothing on an Ex Officio brand hat and shirt in an REI store, and bought them on a whim before heading to the Yukon Delta National Wildlife Refuge on a 10 day float and fishing trip. That wet tundra river drainage and permafrost area of the country can char...
by Bruce
Tue Feb 05, 2019 11:39 pm
Forum: Personal Investments
Topic: Coverdell Savings Account (ESA), withdraws for previous year, transfer part of account
Replies: 1
Views: 159

Re: Coverdell Savings Account (ESA), withdraws for previous year, transfer part of account

“The designated beneficiary of a Coverdell ESA can take a distribution at any time. Whether the distributions are tax free depends, in part, on whether the distributions are equal to or less than the amount of Adjusted qualified education expenses (defined later) the beneficiary has in the same tax ...
by Bruce
Sun Jan 27, 2019 8:39 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 77
Views: 6250

Re: Happy Birthday, Taylor!

Happy Birthday Taylor,

Thanks for sharing your wisdom with the rest of us in writing the "Bogleheads Guide to the Three Fund Portfolio"!

I cherish my "signed by the author" copy!

Hope 2019 is the best year yet!

best regards,
by Bruce
Fri Jan 18, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 18
Views: 2750

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Rick
Just had a chance to listen to this podcast. Great job, really enjoyed the high quality of this intelligent conversation.

Look forward to more in 2019!

Regards
by Bruce
Fri Jan 18, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6487

Re: Furloughed Fed Employee - How to make best use of time

Listen to all of these excellent podcasts hosted by Rick Ferri. (Thanks Rick) https://bogleheads.podbean.com Try a 30 day free trial to Audible, listen to some great books while cooking or doing those projects around the home you have not caught up on already. I am especially enjoying re”reading” th...
by Bruce
Thu Jan 17, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 45
Views: 6653

Re: The Worth Of A Man: A Tribute To John C. Bogle

A worthy tribute.

Thanks for writing and sharing that Rick!

“Stay the course!”
by Bruce
Mon Dec 31, 2018 8:53 pm
Forum: Personal Investments
Topic: H&R Block 2018 Deluxe reduced price
Replies: 6
Views: 1047

Re: H&R Block 2018 Deluxe reduced price

Amazon dropped it under $15 on Dec 31st 2018!
by Bruce
Sun Dec 30, 2018 5:26 pm
Forum: Personal Investments
Topic: Military dentist -- portfolio review request (new to forum)
Replies: 11
Views: 1997

Re: Military dentist -- portfolio review request (new to forum)

White coat investor Dr Jim Dahle has his own website with much more info and advice for military docs ( and others); and this detailed post below on the benefits of the G Fund, for those who have earned access to the Thrift Savings Plan through federal employment or contributing while in military se...
by Bruce
Sat Dec 29, 2018 5:10 pm
Forum: Personal Investments
Topic: Military dentist -- portfolio review request (new to forum)
Replies: 11
Views: 1997

Re: Military dentist -- portfolio review request (new to forum)

A few thoughts to consider. You are doing great and on track for where you want to be. You have well thought out, diverse, low cost fund choices. 1. You may want to rethink your choice in not continuing to contribute to 529 accounts for your kids. Even great merit Scholarships may not cover room and...
by Bruce
Mon Dec 24, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Burned Popcorn Smell - how to eliminate? products recommended?
Replies: 15
Views: 1875

Re: Burned Popcorn Smell - how to eliminate? products recommended?

Try Febreze, both the spray and the auto air freshener product, it was a product specifically designed to remove odors before they added the scent to it for better marketing.
by Bruce
Tue Dec 18, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 1033

Re: Birdwatching telescope recommendations

What is also amazing is you can spend as much or more on a carbon fiber tripod as you do on the scope itself https://www.bhphotovideo.com/c/product/1441684-REG/gitzo_100_year_anniversary_edition_tripod.html Not saying you need to do that, but apparently some people do. Trade off of weight for dollar...
by Bruce
Mon Dec 17, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 1033

Re: Birdwatching telescope recommendations

http://www.vortexoptics.com/category/spotting_scopes Vortex is the company Eagle Optics referred their lifetime warranty customers to for any service or issues, when they closed up shop after 30 years. Looking at the above website, the Vortex scope product looks like a reasonable choice in your pric...
by Bruce
Tue Aug 28, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2401

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

Interesting idea! Thanks for sharing! How do you turn any of it back into cash when the kid wants to actually use or spend some small amount of their piggy bank money? Does Fidelity mail you a check for small amounts? Or perhaps can you start them up on their own Fidelity 2% cash back Visa card, wit...
by Bruce
Wed Jul 25, 2018 1:51 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 2868

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

Taylor Unless I am reading the chart incorrectly, It appears from the data chart the bond index actually had three negative years instead of two. Bond index returns are listed in the chart with a parenthesis for a negative result for 1994,1999, and 2013. Agree all the negatives are rather small. And...
by Bruce
Fri Jul 20, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: [A Splendid Exchange, by William Bernstein - on sale for Kindle]
Replies: 19
Views: 2444

Re: [A Splendid Exchange, by William Bernstein - on sale for Kindle]

Bill, I appreciate all you have done with sharing your knowledge in your books, just got this one, and look forward to reading this on my next plane trip! Thanks for sharing the "deal"! Also wanted to thank you for taking the time to write "If you can". I have now shared that incredible distillation...
by Bruce
Fri Jul 20, 2018 7:11 am
Forum: Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 4773

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

Instead of spending time or money on a "wealth manager", spend the time yourself to read Taylor Larimore's excellent 86 page book "The Bogleheads Guide to the Three Fund Portfolio". Subtitled "How a simple portfolio of three total market index funds outperforms most investors with less risk". The ou...
by Bruce
Fri May 18, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: "Keep it Simple With Index Funds"
Replies: 8
Views: 2428

Re: "Keep it Simple With Index Funds"

Taylor Thanks for sharing the article. I especially enjoyed the example of the Carthage College investment fund manager, using mostly easily available low cost Vanguard index funds and still outperforming the Harvard Investment portfolio over a recent 10 year period, as well as 90% of his college en...
by Bruce
Mon Apr 16, 2018 6:43 pm
Forum: Personal Investments
Topic: Help with my mom's investments, please.
Replies: 47
Views: 5961

Re: Help with my mom's investments, please.

Suggest instead of talking about "gifting" with your Mom, you ask her what travel or other experiences she may want to experience with the family, while healthy enough to enjoy it. Then make some plans and start ticking those items off her list with her. The time you are able to spend together on on...
by Bruce
Mon Apr 16, 2018 6:35 pm
Forum: Personal Investments
Topic: Help with my mom's investments, please.
Replies: 47
Views: 5961

Re: Help with my mom's investments, please.

Your Mom could do a lot worse then using Vanguard Balanced Index fund shares as an immediate entry point if she is concerned about the waiting period. (VBIAX for admiral shares with a $10,000 minimum investment, VBINX for investor shares otherwise) You also may want to contact your state licensing a...
by Bruce
Tue Feb 20, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3797

Re: Selling Timber

https://www.extension.purdue.edu/extmedia/fnr/fnr-111.pdf An excellent 10 page introduction primer to timber harvest for landowners, from Purdue University extension service. Though written for Indiana timber owners almost all the advice is applicable to any Midwest timber owner. Includes a sample t...
by Bruce
Mon Feb 19, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3797

Re: Selling Timber

This article on "selling timber, what a landowner needs to know" is also very well done https://extension2.missouri.edu/G5051 Even though it is from the Missouri extension service almost all of the information applies to Illinois forest landowners as well. Bottom line, this is an infrequent event fo...
by Bruce
Mon Feb 19, 2018 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3797

Re: Selling Timber

I would start here at this link, reading about how a consulting forester can help you get a reasonable price and help ensure the land after harvest is in the condition you want it to be. Best price is not all you are intersted in, future health of your forest is also a strong consideration. Conditio...
by Bruce
Sat Feb 03, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 3983

Re: Alaska rental car - what is the real risk with unpaved roads?

These guys are an experienced and high quality motor home rental company, and spell out some of the risks of unpaved road travel here. https://www.greatalaskanholidays.com/alaska-rv-rentals/important-rental-information/restrictions-on-operating-the-motorhome/ They also DO include the Denali Park Roa...
by Bruce
Thu Jan 25, 2018 7:35 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 7308

Re: Happy Birthday, Taylor!

Happy Birthday Wishes Taylor! Looking forward to the release of your new book this spring, "The Bogleheads' Guide to the Three-Fund Portfolio: How a Simple Portfolio of Three Total Market Index Funds Outperforms Most Investors with Less Risk." Also got even closer to my own three fund portfolio toda...
by Bruce
Thu Jan 18, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 10754

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Not sure why WCI is taking any heat from forum members here. He is very transparent about his conflicts of interest and the progress of his WCI website, newsletter and blog, or as he calls it the "White Coat Investor Empire!" No one was slamming Rick Ferri or Bill Bernstein for offering investment i...
by Bruce
Sat Dec 30, 2017 1:33 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 46803

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Happy New Year Taylor, Thanks once again for sharing the "Nuts" Christmas message from Bastogne! I was lucky enough to win this years Boglehead's SP 500 closing price contest. Since last year I finished #365 from the top, it just shows that saying about "even a blind pig finds an acorn once in a whi...