Search found 304 matches

by femur
Wed Jul 18, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 55431

Re: Flaunt Your High-Mileage Car

My car is a 2007 Hyundai Sonata with 191,000 miles.
My wife's car is a 2003 Nissan Altima with 189,000 miles.

I find a lot of preventative maintenance helps cars make it to the high mileage club.
by femur
Sun Jul 01, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8176

Re: What % of your equity is int’l?

drk wrote:
Sun Jul 01, 2018 12:02 am
siamond wrote:
Sat Jun 30, 2018 10:53 pm
Simple: 50% domestic, 50% international. Hedging my bets, and maximally diversifying.
Ditto.
+1


However when vanguard total world finally gets admiral shares, I will have my entire equity exposure in that so will just follow the market cap.
by femur
Sun Jun 17, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14969

Re: How much (green) cash at home for emergency ?

I keep around $1200 in mixed bills, myself.
by femur
Mon Jun 11, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16631

Re: Who uses the 3 fund portfolio ?

I have a plain old 3fund portfolio and am very happy with it. I will, however, go to a 2fund portfolio whenever vanguard total world gets cheap enough or offers admiral shares.
by femur
Wed May 09, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Do unclaimed savings bonds ever expire or escheat?
Replies: 5
Views: 815

Re: Do unclaimed savings bonds ever expire or escheat?

I'm not an authority on this, but I don't think they escheat. You didn't explicitly say when they matured, if about his year of death I think you've got a while. The hurdle may be actually claiming them & difficulty of that may depend on how beneficiary setup. If he had his wife as beneficiary, the...
by femur
Wed May 09, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Do unclaimed savings bonds ever expire or escheat?
Replies: 5
Views: 815

Do unclaimed savings bonds ever expire or escheat?

Greetings, My google searches came up empty on this so I decided to start a thread. A while back, using the "Treasury Hunt" feature on the US treasury website (which now seems to be defunct?) I found some fully matured unclaimed savings bonds that were owned by my wife's father who died back in the ...
by femur
Sun Apr 22, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 6105

Re: How long have you been unemployed?

I took a ~6 month break after working for many years at a "big 4" consulting firm right out of college. During that break I bummed around Europe under the guise that I was considering emigrating there. I came back to the US and got a job in Texas. Fun anecdote; the period of my little sabbatical coi...
by femur
Tue Feb 27, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Direct Deposit Limitation?
Replies: 3
Views: 607

Re: Vanguard Brokerage Direct Deposit Limitation?

Well heck. Is there anyway I can have my sweep account automatically empty into another investment whenever the balance is greater than $0?
by femur
Tue Feb 27, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Direct Deposit Limitation?
Replies: 3
Views: 607

Vanguard Brokerage Direct Deposit Limitation?

Greetings, I am trying to setup a direct deposit of my paycheck directly into my Prime Money Market holding in my Vanguard brokerage account and seem to be a little stumped. It appears that I am only allowed to direct deposit only into my sweep account. Here is the screen I am presented with (redact...
by femur
Mon Feb 05, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 17021

Re: Vanguard site is crashed now?

Nope! I made a big 'buy' just 10 minutes ago with no issue.
by femur
Thu Feb 01, 2018 8:24 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 10768

Re: Fewer acronyms please

DW and DH really annoy me. Is it really that much trouble to type wife or husband?
by femur
Mon Jan 22, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1718

Re: Elder Care Issue; Non-emergency assistance

Thank you everyone for the kind and salient feedback.

I will make sure that all handholds and safety measures are in place in the bathroom and intone to my parents that it is OK to call 911 if a situation like that should arise.
by femur
Mon Jan 22, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1718

Elder Care Issue; Non-emergency assistance

My parents are in their 70's and my mom's health is starting to decline somewhat. My father posed a scenario to me when we last spoke on the phone and I did not have the faintest idea how to respond. A situation could arise where my mom could be, for example, in the bathtub (or have fallen down, etc...
by femur
Fri Dec 29, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 4234

Re: Hyundai quality and reliability

I have a 2007 sonata with 185,000 miles. It was my family's first non-Nissan vehicle in 20+ years. I have had little stuff go wrong such as: -Air intake valve getting stuck -Seat adustment control mechanism needed replacing -Window/lock control on one door needed replacing -Windsheild washer fluid p...
by femur
Mon Dec 25, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 24004

Re: Do you see a meaningful change in your income with new Tax Bill?

My wife and I will save about $2000 a year! :D 8-)

I am very pleased!

(I am in a Low Tax state and do not itemize)
by femur
Sun Dec 17, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Auto and homeowner insurance ... How often do you switch?
Replies: 22
Views: 2045

Re: Auto and homeowner insurance ... How often do you switch?

I don’t switch every year but I do shop around every year looking for a better deal. If I find one, I switch! I haven’t found a better deal than geico for 4 years now.
by femur
Sat Nov 04, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: USAA membership loophole?
Replies: 11
Views: 4234

USAA membership loophole?

Greetings, I wish to join USAA and access their banking and insurance services and I am trying to figure out how to do so. One idea that I have is to have my father (formally a Marine) join by opening a savings account and put like $100 in there. Once he establishes his membership, that would allow ...
by femur
Sun Sep 24, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 10916

Re: Where do you get your news?

Several people have mentioned reddit as a news source. How does that work? Several ways. 1. Most simply, big current event items with a lot of focus get "voted" onto the front page and are visible directly on reddit.com. An example would be a presidential election. 2. More mundane news items are vi...
by femur
Sun Sep 24, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 10916

Re: Where do you get your news?

Drudgereport

Reddit

CNN's website

local NPR station on the radio while commuting
by femur
Mon Aug 14, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard Service/Covered Share Accounting
Replies: 5
Views: 689

Re: Problem with Vanguard Service/Covered Share Accounting

Hi,

I had this issue recently and Vanguard ended up fixing it in a matter of a couple days. My thread is here:

viewtopic.php?f=1&t=225046&p=3487236#p3487236

I'd be happy to answer any questions you might have about my experience.

Good luck!
by femur
Thu Aug 10, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1416

Re: Help understanding cost basis mismatch at Vanguard

HueyLD,

Yes it is a brokerage account.

Also, this account was opened as a brokerage; I did not go through that troublesome upgrade nonsense that people have been reporting.

Cheers,
Femur
by femur
Thu Aug 10, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1416

Re: Help understanding cost basis mismatch at Vanguard

I thought I would post the final resolution to my cost basis issue in case anyone stumbles into the same problem. Vanguard fixed the issue 4 days after I called and reported it. My cost-basis now looks as expected. No root cause was given as to how this issue occurred. My advice to anyone concerned ...
by femur
Mon Aug 07, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1416

Re: Help understanding cost basis mismatch at Vanguard

In case anyone is curious, I did reach out to Vanguard about this issue. Here is how it went: On hold for 10 minutes Talked to a rep for 5 minutes and had to explain about 3 times what the issue was. She transferred me to "Issue resolution team" On hold for 30 minutes Issue resolution team confirmed...
by femur
Sat Aug 05, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1416

Re: Help understanding cost basis mismatch at Vanguard

Thanks everybody! I'll call Vanguard on Monday and ask them to fix it.
by femur
Sat Aug 05, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1416

Help understanding cost basis mismatch at Vanguard

Hi all, I seem to have a strange mismatch of share value as shown in my cost basis at Vanguard. On 8/3 I made a purchase in VWIUX and it was recorded at $14.24/share in my transaction history: http://i.imgur.com/SQ3XcmE.png But when I go look at my cost basis, it is recorded at $14.09 a share! http:...
by femur
Mon Apr 03, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 6705

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

*3!4!/5! wrote: I don't understand your comment. When I say

My comments in this thread were not directed at you.
by femur
Mon Apr 03, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 6705

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

Why would it be locked? It seems an important part of financial planning. (Admittedly, I am a relative newbie so maybe this veers into politics too much, but it seems like a critical planning and finance topic based on math and not just politics.) I apologize if I veered off course, but I consider ...
by femur
Mon Apr 03, 2017 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 6705

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I am surprised this thread is not yet locked by the moderators. I am also surprised that so many young Bogleheads do not believe that they will receive any social security. I wonder if this will become a self-fulfilling prophecy? I am in my mid thirties and share this view. I expect to receive $0 so...
by femur
Wed Mar 15, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help finding deceased grandparents money
Replies: 4
Views: 1007

Help finding deceased grandparents money

Greetings, My father has asked my help in a troublesome situation with regards to my deceased grandparents and an estranged advisor and I thought I would seek the advice of the bogleheads forum members. My Grandmother and Grandfather used the services of a "financial advisor" for their investments b...
by femur
Mon Dec 26, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 7037

Re: Is it possible to graduate from college in 3 years?

I got my undergrad in a few days shy of three years. I came in with 20+ hours of AP credit and then took 18 hours a semester ( at least) and then 2 summers of courses. I majored in information systems and minored in economics with a 3.4 gpa. I graduated in 2004. I'm glad I did it because I got an ea...
by femur
Tue Aug 30, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 27983

Re: Evicting a tenant-Hire lawyer?

Great update! This thread continues to be very educational. Thanks!
by femur
Sun Aug 14, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: The Mandibles: A Family, 2029-2047
Replies: 19
Views: 3791

Re: The Mandibles: A Family, 2029-2047

I just read this book yesterday after seeing this thread. I could classify this as "Economic Dystonia." The first half of the book was enjoyable (describing an economic collapse) but I found the second half of the book very preachy. It is very derivative of Heinlein down to the pre-teen protagonist...
by femur
Sun Aug 14, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: The Mandibles: A Family, 2029-2047
Replies: 19
Views: 3791

Re: The Mandibles: A Family, 2029-2047

I just read this book yesterday after seeing this thread. I could classify this as "Economic Dystonia." The first half of the book was enjoyable (describing an economic collapse) but I found the second half of the book very preachy. It is very derivative of Heinlein down to the pre-teen protagonist....
by femur
Sun Jul 31, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: berkey travel water purifier
Replies: 3
Views: 476

Re: berkey travel water purifier

We have a berky at home and use it daily for our drinking water. Guests always comment at how good our water is. Very happy customer!
by femur
Wed Jul 20, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 27983

Re: Evicting a tenant-Hire lawyer?

This has been a fascinating read! Thank you for continuing to update it. If you do end up pressing charges of fraud, etc, I would hope you will continue to update this thread. I feel like I can officially write a book about this now. Honestly, a straight forward and simple guide to tenant eviction m...
by femur
Sat Jul 09, 2016 5:08 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 178
Views: 21919

Re: What's your asset allocation and why?

I've implemented Taylor's (he is one of about 5 people I consider my hero, by the way) three fund portfolio and stuck with it for years now. 34% total stock market 33% international 33% total bond My primary reasons are that it is simple, elegant, I understand it, and I sleep well at night. Once van...
by femur
Thu Apr 14, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Filed my Form 4868 this week (extension to file tax return)
Replies: 31
Views: 1991

Re: Filed my Form 4868 this week (extension to file tax return)

How do you accurately fill out Part II on page 1 of Form 4868 without doing most of the leg-work of your normal tax return?

Reference: https://www.irs.gov/pub/irs-pdf/f4868.pdf
by femur
Wed Apr 13, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 4178

Re: Switch to Geico from USAA

If you dont have berkshire shares, you can join the Freelancers Union (for free!) and get 8% discount.

https://blog.freelancersunion.org/2012/ ... nts-geico/
by femur
Tue Mar 29, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 14384

Re: Financially, how have you done/doing vs. your parents?

Great thread! I thought adding my own data point here would help me clarify my own thoughts. My parents are boomers (1951 and 1953) and I am an early millennial born in 1982. We are from the Midwest. My father got a mathematics degree (before programming was an offered major at his university) and w...
by femur
Mon Feb 08, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 14
Views: 2515

Re: I think my W2 has a mistake - doublecheck me?

I am by no means a tax expert but I would be wary of reporting different numbers to the IRS than what are on your W-2. That seems to be a very quick way to get flagged. Yes, you could later prove why you did what you did, but I would rather not raise such an easy red-flag with the IRS. Your employe...
by femur
Mon Feb 08, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 14
Views: 2515

Re: I think my W2 has a mistake - doublecheck me?

I wanted to update everybody on my situation and ask if one possible solution I have would be viable. My employer (a staffing agency) is pushing back and not making it possible for me to speak directly to payroll. This is a symptom of an overall larger organization issue with my employer and I am pl...
by femur
Tue Feb 02, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 14
Views: 2515

Re: I think my W2 has a mistake - doublecheck me?

This article from the IRS may be helpful: Question: I received an incorrect W-2 form. My former employer won’t issue me a corrected W-2. What should I do? Answer: If your attempts to have the incorrect Form W-2, Wage and Tax Statement, corrected by your employer are unsuccessful and it is after Feb...
by femur
Tue Feb 02, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 14
Views: 2515

Re: I think my W2 has a mistake - doublecheck me?

Thanks for your feedback! I feel more confident in badgering my payroll dept now to fix it.
by femur
Tue Feb 02, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 14
Views: 2515

I think my W2 has a mistake - doublecheck me?

Greetings, I believe there is a mistake in my W2 and my employer (a staffing agency) is being very unhelpful/unresponsive, so I was hoping the fine bogleheads could double-check my thinking. This year (2015) on my W2, in box 12, I have a code 'W' which a google search has described as: W: Employer c...
by femur
Thu Jan 21, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Create login for wife when adding as Authorized User (PenFed)
Replies: 1
Views: 399

Create login for wife when adding as Authorized User (PenFed)

Greetings, I hope this to be a fairly simple question. I got married recently and I wanted to add my wife as an authorized user on my PenFed Cash Rewards Card. This was easily done online. We got the card in the mail and followed the instructions to go to penfed.org/activatecard. At this point I get...
by femur
Thu Jan 14, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: 2015 Callan Periodic Table of Investment Returns
Replies: 26
Views: 4284

Re: 2015 Callan Periodic Table of Investment Returns

Femur: Thank you for posting the latest Callan PeriodicTable of Investment Returns . It is one of my favorite charts because 1) It demonstrates the impossibility of trying to market-time asset-class returns, and 2) It demonstrates Mr. Bogle's financial wisdom: FORGET THE NEEDLE. BUY THE HAYSTACK. B...
by femur
Thu Jan 14, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: 2015 Callan Periodic Table of Investment Returns
Replies: 26
Views: 4284

2015 Callan Periodic Table of Investment Returns

I always find this chart interesting and thought to share it with Bogleheads:

Image


Im linking an imaged from a blog because I dont know how to link a pdf.
by femur
Thu Dec 31, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 3042

Re: VPN Service, personal. suggestions.

I also use and recommend Private Internet Access.

https://www.privateinternetaccess.com/

disclaimer: Im just a happy customer, I don't work for them.
by femur
Sat Dec 26, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to tell the Social Security office I got married?
Replies: 8
Views: 948

Re: Do I need to tell the Social Security office I got married?

Thanks everybody for the advice!

We will take no action as neither of us are changing names or filing for benefits any time soon.
by femur
Sat Dec 26, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to tell the Social Security office I got married?
Replies: 8
Views: 948

Re: Do I need to tell the Social Security office I got married?

retiredjg wrote:I think they are interested in name changes though.
Neither of us are changing our names.