Search found 1214 matches

by minesweep
Tue May 07, 2019 9:07 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13228

Re: I tried to fire my financial advisor of 12 years today...

You're feeling bad for him. I'm sure he wasn't feeling bad for you while he pocketed $9,600/year from your account.
by minesweep
Sun May 05, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 35
Views: 1937

Re: bare root trees - best place or website to purchase from?

Check out the Arbor Day Foundation located in Lincoln, Nebraska. Even if you don’t buy trees from them they have lots of information on Tree Planting & Care at their website.
Wondering if Fall delivery and plant is better then next Spring?
Tree Care Tips for Fall Planting
by minesweep
Wed May 01, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8501

Re: Retirees: I'm not going to run out

Only semi-retired but I worry more about running out of viable time than running out of money. More money can be made, but time can't. Fully retired for 18 years. I was offered an early retirement package at age 56. Share the same thought on running out of time. My net worth has grown significantly...
by minesweep
Mon Apr 29, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9299

Re: EXTREMELY frugal things from our paernets and grandparents

My in-laws (in their mid-50s now) washed and reused ziplock bags, until they split a seam. They have nearly $1 million in investments, and still wash and reuse to this day. In today's world it's not just about saving money. For some consumers, it's about being green. With millions of tons plastic b...
by minesweep
Wed Apr 03, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Probate Question Re Credit Cards
Replies: 36
Views: 2174

Re: Probate Question Re Credit Cards

So sorry for your loss and your situation. You may find a lot of your answers in: The Executor's Guide to Settling a Loved One's Estate or Trust Published by NOLO, Written by Mary Randolph, J.D. It's updated annually and will give you an accurate overview of how the process works. It won't replace ...
by minesweep
Mon Apr 01, 2019 11:06 am
Forum: Personal Investments
Topic: Bonds in taxable accounts
Replies: 10
Views: 1030

Re: Bonds in taxable accounts

Also, I noticed that with VBTLX 64% of its portfolio is already in government bonds, would this imply that this percentage or part of it could already have some tax exemptions? thanks If you have a state income tax then a portion of income from VBTLX ( (34% in 2018 ) would generally be exempt from ...
by minesweep
Wed Mar 06, 2019 12:20 pm
Forum: Personal Investments
Topic: Vanguard Funds Independent Advisor-Dan Wiener
Replies: 2
Views: 506

Re: Vanguard Funds Independent Advisor-Dan Wiener

That question has been asked a number of times over the years ( I stopped looking after the 4th page) .
by minesweep
Sun Feb 24, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7435

Re: Who does their own taxes?

I use my Excel spreadsheets to compare with my federal Tax Act e-file & my free e-file for my state. It gives me a greater piece of mind knowing that what I am filing is correct.
by minesweep
Fri Feb 22, 2019 9:38 am
Forum: Personal Investments
Topic: Beware of the Edward Jones neighborly visit.
Replies: 89
Views: 7768

Re: Beware of the Edward Jones neighborly visit.

Am I reading these posts correctly from others that a person's age magnifies the culpability of Edward Jones types? EJ has been going door to door for decades, what about the age of the neighborhood makes it any worse or better. Front end loads are front end loads regardless of who the prey is. I a...
by minesweep
Fri Feb 22, 2019 8:23 am
Forum: Personal Investments
Topic: Beware of the Edward Jones neighborly visit.
Replies: 89
Views: 7768

Re: Beware of the Edward Jones neighborly visit.

This sort of door-to-door EJ solicitation has come up more than once before at the Bogleheads Forum:

see more here
by minesweep
Sat Feb 16, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7701

Re: Did you get spooked by the December 2018 fall and gave up on passive?

I assume we have two different universes trying to find common paths and wisdom where it doesn't exist. One universe is of accumulators, let's call then the under-70 years old group. The other is retirees in a mainly distribution phase . You can even have subgroups such as investors under 40 and re...
by minesweep
Sat Feb 16, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7701

Re: Did you get spooked by the December 2018 fall and gave up on passive?

No, I did not sell stocks back in December. In fact, I didn't sell any stocks on Black Monday back in October of 1987 when the Dow lost 22.6% in one day (the stock market finished up for the year). Nor did I sell anything during the corrections of the 1990's, or 2001-2002, or 2008-2009.
by minesweep
Sun Feb 10, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did I forget to file 8606?
Replies: 8
Views: 1525

Re: Did I forget to file 8606?

It appears that "whiteorgo" and "cruisfan" found the responses they received to be Just Duckie. :happy
by minesweep
Fri Feb 01, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Veteran Obtain Military ID
Replies: 23
Views: 1420

Re: Veteran Obtain Military ID

Rattlesnake wrote:
Fri Feb 01, 2019 2:38 pm
In Michigan, if you take your DD214 when you renew your Driver's License, they will put "Veteran" on the DL....
Ditto in PA.
by minesweep
Thu Jan 31, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10205

Re: Were you 100% debt free at retirement

Yes, debt free before retirement.
by minesweep
Thu Jan 17, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50843

Re: John Bogle has died at age 89

A big thank you to John Bogle for all he has done for the individual investor. RIP. Although he has left this world his words will live on. Rely on the ordinary virtues that intelligent, balanced human beings have relied on for centuries: common sense, thrift, realistic expectations, patience, and p...
by minesweep
Wed Jan 16, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 68432

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I just received this email: At Ally Bank, we're all about delivering on better, and what's better than a little payback? As a thanks for taking advantage of our Payback Time promotion, a cash bonus of $1,000 will be deposited into your account ending in XXXX on or around February 5, 2019. Thank you ...
by minesweep
Sun Jan 13, 2019 1:21 pm
Forum: Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4908

Re: I know market timing is a fool's game but...

I know market timing is a fool's game but...

No ifs, ands, or buts about it.
by minesweep
Mon Dec 31, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 15165

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

The S&P closed the year at 2506.85. The winner is "pjtallman" with a prediction of 2512.

Boglehead Contest 2018
by minesweep
Mon Dec 24, 2018 1:25 pm
Forum: Personal Investments
Topic: Should I put another $5500 in the Market on January first for my ROTH IRA?
Replies: 29
Views: 3639

Re: Should I put another $5500 in the Market on January first for my ROTH IRA?

ATTENTION: Stock Market Shoppers. There is a holiday sale going on right now. "Be fearful when others are greedy and be greedy when others are fearful" - Warren Buffet There's more fear now than there is greed. You have a long time horizon for the stock market to recover, if it goes down further, (p...
by minesweep
Wed Dec 05, 2018 10:43 pm
Forum: Personal Investments
Topic: Vanguard Global Wellesley
Replies: 8
Views: 1364

Re: Vanguard Global Wellesley

Deleted. Misread the posting. I shouldn't be posting late at night.
by minesweep
Tue Dec 04, 2018 4:58 pm
Forum: Personal Investments
Topic: TLH of Vanguard Limited Term Tax Exempt Bond fund
Replies: 5
Views: 418

Re: TLH of Vanguard Limited Term Tax Exempt Bond fund

Two months ago I TLH my Intermediate TE Bond Fund and on the same day bought the Limited Term TE Bond Fund with the proceeds. It does not trigger a wash sale as the two funds are not identical to each other.
by minesweep
Mon Nov 26, 2018 4:50 pm
Forum: Personal Investments
Topic: Where do you direct Stock Index Capital Gains and Dividends
Replies: 20
Views: 1912

Re: Where do you direct Stock Index Capital Gains and Dividends

I reinvest dividends and capital gains in my tax-deferred account & Roth IRA account. In my taxable account these distributions go to my money market fund (for the reasons shown at the link below).

Reinvesting dividends in a taxable account
by minesweep
Sun Nov 25, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: taxact 2018 tax year software price increase 100%?
Replies: 32
Views: 5150

Re: taxact 2018 tax year software price increase 100%?

75% discount email (from slickdeals) Basic 2.49 Deluxe 7.49 Premier 8.74 Self Employed 12.49 https://em.taxact.com/pub/cc?_ri_=X0Gzc2X%3DYQpglLjHJlTQGgOwczg1vCCSR7g9P0lMoYzcbPCTzapzbbjdA2TrwbbCzazab4qbYersFpVXtpKX%3DWWSBSYCT&_ei_=Eh5hYCv1zcLAC9-DjZoHbZzwyRhs4xyeLzaSYqB84XEmONuno5oz2ULM0xAq-zg8EoX0-...
by minesweep
Fri Nov 16, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1881

Re: One food I could never give up

Ice Cream (I'm eating it right now).
by minesweep
Fri Nov 16, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7545

Re: Are you all staying the course?

I stayed the course on Black Monday (1987) when the Dow dropped 22.6% in a single day. I stayed the course throughout the 1990’s, 2001-2002, & the Great Recession (2007-2009). So yes, I’m staying the course now too.
by minesweep
Fri Nov 16, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7545

Re: Are you all staying the course?

flyingaway wrote:
Wed Nov 14, 2018 6:06 pm
I went to Kroger and saw the price of instant noodles is still $1 for a half dozen pack, so I decided to stay the course.
That's using your noodle. :happy
by minesweep
Wed Nov 14, 2018 9:00 am
Forum: Personal Investments
Topic: Tax-Exempt Bond Funds Kicking Off Capital Gains
Replies: 7
Views: 1117

Re: Tax-Exempt Bond Funds Kicking Off Capital Gains

I've held the PA LT TE Adm Fund since November of 2013. I had a reported CG for the years 2014.-2017. 2018 will be no excpetion.
by minesweep
Thu Nov 08, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 11190

Re: Favorite "free stuff"?

doug1022 wrote:
Thu Nov 08, 2018 12:01 pm
tommy85 wrote:
Thu Nov 08, 2018 11:58 am
Advice here at boglehead forum:)
+1.

Will add books from the library.
+1.

Will add DVD's from the library.
by minesweep
Sat Oct 27, 2018 10:17 am
Forum: Personal Investments
Topic: About to get 200k in inheritance.
Replies: 13
Views: 1856

Re: About to get 200k in inheritance.

Getting started

Managing a windfall

Invest in a Roth IRA. You have decades to compound that investment with tax free income.
by minesweep
Tue Oct 23, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10782
Views: 1886892

Re: U.S. stocks in freefall

This thread will be very popular over the next several years. It will be very interesting to watch how many stick to their asset allocation vs panic. I look forward to it all. This thread has been popular for the past 7 years. Here is the OP's initial post: DOW is down by over 550 points with a cou...
by minesweep
Fri Oct 19, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 2276

Re: How much of a dip do you want before you TLH?

I'm surprised how much talk there is of TLH after a 9 year bull market. The market is only down a few percent. TLH applies to bond funds too. I took a $1,011 tax lost a couple of weeks ago. While it's not a huge loss it's worth the little time that it takes to do it. I switched from the TE Intermed...
by minesweep
Wed Oct 10, 2018 9:44 pm
Forum: Personal Investments
Topic: Anyone tax loss harvesting bond funds?
Replies: 12
Views: 1253

Re: Anyone tax loss harvesting bond funds?

Last week I harvested a $1,012 loss in a bond fund. I switched from the intermediate-term tax-exempt bond fund to the limited-term tax-exempt bond fund.
by minesweep
Mon Sep 17, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3741
Views: 1077923

Re: What Book Are You Currently Reading? Part VI

Astrophysics for People in a Hurry by Neil deGrasse Tyson "People who believe they are ignorant of nothing have neither looked for, nor stumbled upon, the boundary between what is known and unknown in the universe." - Neil deGrasse Tyson If you have a keen inerest in the cosmos then you will enjoy t...
by minesweep
Sun Sep 16, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Barron's US market analysis
Replies: 6
Views: 461

Re: Barron's US market analysis

It could happen as stated, or not. Nobody really knows. I guess we have to wait and see. Know your own risk tolerance and stay the course. I recall Alan Greenspan's irrational exuberance speech on stocks back in 1996 (that turned out to be several years premature). He also made some predictions back...
by minesweep
Mon Aug 27, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12301

Re: Call the Top!

I haven't heard any irrational exuberance speech yet so it's probably a long ways off. It's hard enough trying to predict the 2018 S&P 500 closing price for the Boglehead Contest (although I did come in 2nd back in 2009). So I'll pass on this one.
by minesweep
Sat Aug 25, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22890

Re: Did you celebrate when you finally hit $1m?

Pity your U.K. fellow bogleheads. 1 million pounds = 1.35 million dollars so we have a lot further to go to break the psychological barrier! Being a minimalist (as your moniker implies) could help you and other minimalists get there quicker. “If you will live like no one else, later you can live li...
by minesweep
Thu Aug 16, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3736

Re: Where to buy white, athletic fit dress shirt?

I purchased the Stafford brand (wrinkle free) athletic fit shirts at J.C. Penney quite a number of years ago. I've been retired 17 years so I don't get to wear them much anymore.
by minesweep
Wed Aug 15, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: steel cut oats wash/rinse before cooking
Replies: 26
Views: 4808

Re: steel cut oats wash/rinse before cooking

I made oatmeal this morning using my rice cooker's porridge setting for the first time . "Yummy" is the word to describe it (I sweetened with maple syrup). I used a whole milk and water combo. Next up will be steel cut oats. Here's how I do it: I start with 1 cup of regular old-fashioned oats or 1 c...
by minesweep
Sat Aug 04, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4468
Views: 1154685

Re: What Movie Have You Recently Watched?

The latest Mission Impossible - Fallout movie. It was a real cliffhanger(literally). :happy
by minesweep
Tue Jul 17, 2018 6:12 pm
Forum: Personal Investments
Topic: When to invest 100000?
Replies: 40
Views: 4776

Re: When to invest 100000?

The best time to plant a tree was 20 years ago. The second best time is now. - Old Chinese Proberb
by minesweep
Fri Jul 13, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21097

Re: COMING SOON: BOGLEHEADS PODCASTS

I think the phrase should be something simple that explains your topic and resonates with listeners. Many individuals believe investing is complicated so they avoid doing it themselves. So including the words "investing" and "simple" in the title could be a good catchphrase for those curious individ...
by minesweep
Fri Jul 13, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21097

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Thu Jul 12, 2018 12:05 pm
What do you think about calling the podcast “Bogle’s Folly”

Comments?
I don't like the use of the word "Folly" in the title. The meaning of which is a "lack of good sense" or "foolishness".
by minesweep
Sun Jul 08, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4798

Re: Retirees...what’s your lunch menus?

The majority of the time I make a sandwich with Perdue Short Cuts. They are fully cooked boneless skinless chicken breast with rib meat (enough for 3 sandwiches). They are perfect for salads, wraps & fajitas. I wait for a sale and then buy multiple packs and freeze them for later use. I check the ex...
by minesweep
Mon Jun 25, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10782
Views: 1886892

Re: U.S. stocks in freefall

post deleted
by minesweep
Fri Jun 22, 2018 10:22 am
Forum: Personal Investments
Topic: I want to cash in VTSAX
Replies: 21
Views: 1709

Re: I want to cash in VTSAX

You have to be right twice (sell side and buy side). And as other posters have mentioned there is the tax issue to deal with if the fund is held in a taxable account. Stay the course and take the guesswork out of investing.
by minesweep
Sat Jun 09, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 6396

Re: Jack Bogle on Fox Business Channel Friday June 8

The interview with jack Bogle was repeated this morning at 9:00 A.M. (eastern time) on the Fox Business Channel. It is scheduled to be telecast again tomorrow morning at the same time.
by minesweep
Fri Jun 08, 2018 2:56 pm
Forum: Personal Investments
Topic: Where do you Invest in Good Economy like this ?
Replies: 27
Views: 2527

Re: Where do you Invest in Good Economy like this ?

greg24 wrote:
Fri Jun 08, 2018 2:43 pm
In this economy, I stick with my chosen AA.

Same as any other economy.
+1

Staying the course.
by minesweep
Sat May 26, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18688

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Given the mortgage deductibility is no longer a factor to consider I would pay off the mortgage. You can’t put a price tag on peace of mind. You’re already leaning that way anyway. So just do it.