Search found 352 matches

by Bruce
Tue Nov 26, 2019 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Career Decision [Federal employee]
Replies: 18
Views: 1725

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: 551

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: 1143

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: 12582

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: 12582

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: 7258

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: 5807

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: 1873

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: 1301

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: 1301

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: 145

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!
Replies: 76
Views: 4576

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: 2607

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: 6410

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: 6368

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: 1016

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: 1960

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: 1960

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: 1827

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: 998

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: 998

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: 2354

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: 2704

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: 2382

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: 4679

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: 2362

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: 5729

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: 5729

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: 3663

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: 3663

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: 3663

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: 3735

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: 7014

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: 10292

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: 45453

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...
by Bruce
Mon Dec 18, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 9121

Re: How do Bogleheads save on eyeglasses?

Costco optical
by Bruce
Mon Dec 18, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: FSA & funding question
Replies: 9
Views: 1091

Re: FSA & funding question

Congratulations on the new baby coming soon! Suggest your go for it with the FSA. It all depends on how good your other insurance is, but even with very good double coverage I HAVE NEVER had a carryover on my FSA account, and find it a good way to leverage spending power of my health care dollars at...
by Bruce
Mon Dec 11, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9676

Re: Snow Tires? Worth it?

If the superior traction and control provided by snow tires in bad driving conditions saves you one accident, they are well worth the extra expense. You and your family are simply safer in a car equipped for the conditions you are driving in. All wheel Drive does not help you stop or turn when the r...
by Bruce
Sat Dec 09, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 12642

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

I downloaded mine.

No cd required.
by Bruce
Sat Dec 09, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: GPS tracker for loved one w Alzheimer’s
Replies: 21
Views: 1766

Re: GPS tracker for loved one w Alzheimer’s

https://projectlifesaver.org/get-involv ... loved-one/

If project lifesaver is available in your area, our local police volunteer search team has great results with it.
by Bruce
Sat Dec 09, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 12642

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

They did discontinue it at Vanguard several years ago. Used to be a flagship free benefit once upon a time. No expectation it will ever be back. Have only seen a modest discount through fidelity, and never any free offer; though some report they have gotten a targeted free offer from fidelity based ...
by Bruce
Sat Dec 09, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best FEDVIP dental insurance for braces/orthodontics
Replies: 7
Views: 4039

Re: Best FEDVIP dental insurance for braces/orthodontics

Waiting period before the ortho coverage begins, and which orthodontist you want to use and their plan participation would be key decision factors for me, In addition to the factors you are looking at. The billing office at your orthodontist of choice should be able to tell you down to the dollar wh...
by Bruce
Sat Dec 09, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 12642

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Re premium vs deluxe At this price, and with your need for some of the "extra" forms related to self employment and rental property, suggest you spend the extra $10 for the premium. Deluxe has all those blank forms you mentioned, and you could still do your return using the deluxe product; but then ...
by Bruce
Sat Dec 09, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 12642

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

That is a great deal, lowest price I have seen on that product ever, especially being able to buy it straight from the H&R Block website.

Thanks for pointing it out!

Made the switch from turbo tax to HR block several years ago and am a satisfied customer of the H&R Block product.

regards
by Bruce
Mon Dec 04, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to keep my Life Insurance (FEGLI)?
Replies: 17
Views: 2869

Re: Any reason to keep my Life Insurance (FEGLI)?

You may not have an insurable need at all, and If you are in good health and otherwise insurable, FEGLI may not be that great a deal compared to alternatives on the term insurance market. But when you are comparison shopping, make sure you are comparing the correct amounts. FEGLI basic automatically...
by Bruce
Tue Oct 03, 2017 11:59 pm
Forum: Personal Investments
Topic: Should I max out my Roth IRA as an 18 year old?
Replies: 15
Views: 1557

Re: Should I max out my Roth IRA as an 18 year old?

Yes If you can afford to contribute the maximum to a Roth IRA at a young age you will be off to a solid foundation of good habits investing for the future. The target fund you selected is a good choice to get started. Pay yourself first, and follow William Bernsteins advice in his book "If you can",...
by Bruce
Tue May 30, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 3932

Re: Honda mulching mower clumping

Sharpen or replace the blade
Or change the height so you are cutting less grass and see if the problem goes away.
by Bruce
Tue May 30, 2017 6:20 am
Forum: Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1863

Re: What happens after you max out your Roth IRA Limit?

There is some missing information here before you can get good advice. I suggest you open a taxable account and save enough in that so in January of next year you can max out your Roth IRA contributions for that calendar year. Investing in a taxable account may be better for you in the long run, the...
by Bruce
Fri Apr 28, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: Roth IRA's and excess cash...
Replies: 4
Views: 649

Re: Roth IRA's and excess cash...

Max out those contributions as early in the year as possible, and then build up enough cash so you can do it again January 1 of the next year.

Regards