Search found 1137 matches

by minesweep
Sat Dec 09, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advise for my parents
Replies: 16
Views: 1628

Re: Windfall advise for my parents

The Bogleheads Wiki may be of help:

Managing a windfall
by minesweep
Fri Dec 08, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1586

Re: sharing cost of tree cutting

What species of trees do you have? How large are they? Properly pruning a tree is a good practice. I have several Japanese Red Maple trees that I grew from seedlings about 3 decades ago. I thin them out a little every year. The fact that you neighbor wants to split the costs on one of your trees mig...
by minesweep
Thu Dec 07, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited IRA
Replies: 14
Views: 995

Re: Help with Inherited IRA

Vanguard safety addresses investor concerns that holding all their investments at Vanguard, an investment management company, may put their life's savings at risk. Vanguard (and every other US-regulated mutual fund company) does not hold funds directly. Funds are held by 3rd party custodians. Inves...
by minesweep
Wed Dec 06, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7054

Re: Lowering My Grocery Bill

What Consumer Reports says about gluten: Unless you are among the 1 percent of Americans who have celiac disease, going gluten-free might actually harm you. In fact, gluten may be good for you by reducing blood pressure and inflammation. Gluten-free doesn't necessarily mean healthier. Gluten-free fo...
by minesweep
Wed Dec 06, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7054

Re: Lowering My Grocery Bill

(You really keep track of cat food spending?) You don't??? :D $527 so far this year and counting.... I spend slightly more than that per month on cat food. My human food spend per month is around $80. My cat's food costs more than mine also, because he requires special food due to a medical problem...
by minesweep
Wed Nov 22, 2017 8:59 am
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 2123

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Despite having a complete novice with only one previous sailing experience (me), and two crewmates who were relatively new to sailing (Barbara and Kim), Taylor shaped us into a crew that got the job done. We were racing against teams where most or all of the crews had much more total experience tha...
by minesweep
Tue Nov 21, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 64
Views: 4742

Re: TaxAct and alternatives

I’ve filed my taxes with TaxAct for the past two years. In August 2017 I received an offer to sign up for the online version of TaxAct Plus for tax year 2017 for $13.50. This is for the federal return only. The state return will be extra. I signed up right away. Ditto on the $13.50 federal return! ...
by minesweep
Sun Nov 19, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 56
Views: 4531

Re: Tax Returns - How Long Do you Keep?

Backup paperwork about 10 years (forever on two separate flash drives). This question has been asked here on a number of prior occasions.
by minesweep
Sun Nov 19, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5217

Re: Where did you first learn about investing?

Another shout out to Wall Street Week (way back in the 1970's).
by minesweep
Sat Nov 18, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5321

Re: POAs may not be that powerful

I had limited authorization for my widowed sister's Vanguard account for a number of years. This past summer I obtained full authorization from Vanguard. The full agent authority titled "Agent Authorization" required her signature in the presence of a notary and two additional witnesses. She also ha...
by minesweep
Sat Nov 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5142

Re: My dad's army jacket

dia wrote:
Fri Nov 17, 2017 9:11 am
I am wearing it for no other reason than it was his, held importance for him and it's a beautiful garment that has been hanging in a closet since he returned from service.
What do you think your father would want you to do with the jacket?
by minesweep
Thu Nov 16, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 24
Views: 2429

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

I paid the one year $37 license renewal fee (I can't recall having a 2 year option :? ). Anyway, there wasn’t an incentive to pay for 2 years because my county is not one of the 19 PA counties that charge a $5 fee.
by minesweep
Sun Nov 12, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9883

Re: Retirees: I got this!!

:dollar from the get go.
by minesweep
Fri Nov 10, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: U. S. Marine Corps Birthday
Replies: 13
Views: 865

Re: U. S. Marine Corps Birthday

My Uncle Joe (1st Marine Division) was killed in action on June 16, 1945 in the battle for Okinawa (April 1-June 22). I was only 3 months old at the time so I didn’t really know him. But I will be thinking about him today and saluting all veterans tomorrow on Veteran’s Day.
by minesweep
Thu Nov 02, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3041

Re: Do you Mow your own Lawn?

I mow my own lawn with my Honda lawnmower. Sometimes I mulch, sometimes I bag.
by minesweep
Tue Oct 31, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 20
Views: 4085

Re: Sell in May and go away - not this year?

Sell in May and go away
A false adage that some convey
Getting out and getting in
To Bogleheads, a sin
It's time in the market, do not stray
by minesweep
Tue Oct 31, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Keep or Sell?
Replies: 13
Views: 1024

Re: Keep or Sell?

I hoped you weren’t influenced by that TV commercial predicting that silver could go to $200/ounce.
by minesweep
Sat Oct 28, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15460

Re: What was the main reason you retired?

10) Early retirement package

The main reason I retired at age 56 (in 2001) was due to an early retirement package that I was offered. Otherwise I would have probably worked until age 62.
by minesweep
Fri Oct 27, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2572

Re: RMD distribution timing

I take my RMD in mid-December and withhold 100% of my safe harbor tax payment at that time as well. I have all bonds in my TIRA (25% of my total portfolio) so It doesn’t matter much what time of the year I take the RMD but I don’t like sending the IRS my estimated taxes until its necessary. It’s too...
by minesweep
Thu Oct 19, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27493

Re: Sitting on cash....Waiting for a crash

Its anecdotal. I said it "seems". People at work (two) have mentioned to me that they are selling before the market crashes. If you are nervous (about the stock market’s valuation) then perhaps you should reconsider your desired 80/20 stock/ bond allocation that you mentioned in an earlier posting ...
by minesweep
Wed Oct 11, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12682

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by minesweep
Sun Oct 08, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2565

Re: What to do with unused paint?

It depends upon the type of paint. For oil based you need to bring it to a household hazardous waste disposal facility. For latex based pains you can wash it down the drain and throw away the containers . At least these are the guidelines where I live. Never pour paint into a drain. It can damage y...
by minesweep
Sun Oct 08, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2565

Re: What to do with unused paint?

This will make some people angry, but I make sure the lids are on properly then put it in thick contractor-style black trash bags and put it in the trash can for pickup. Where I live, the trash folks will take anything as long as they can't see what it is. Yes, it does make some people angry. Do yo...
by minesweep
Sat Oct 07, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 9196

Re: Flafship Reps

i guess it's true. a million bucks ain't what it used to be. I recall watching the 1950's TV series called The Millionaire . I thought how great it would be to receive that much money back then. One millon dollars in 1958 had the same buying power as 8 1/2 million dollars would today. Inflation Cal...
by minesweep
Mon Sep 25, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4282

Re: Vanguard Health Care Fund in my portfolio?

Your Total Stock Market fund has 13.3% in healthcare. And your Total International Stock Fund has 7.75% in that sector. With the addition of the 20% healthcare fund Morningstar's Instant X-Ray shows that 39% of your stock exposure would be in healthcare.

The S&P 500 has 15% healthcare exposure.
by minesweep
Fri Sep 22, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8917

Re: Age you retired

Early retirement package at 55 years & 10 months back in January of 2001.
by minesweep
Thu Sep 21, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Letter For Survivor(s) / Executors
Replies: 10
Views: 1390

Re: Letter For Survivor(s) / Executors

I found this book from Nolo press to be useful in getting my affairs in order: https://www.amazon.com/Get-Together-Organize-Records-Family/dp/1413323154/ref=dp_ob_title_bk What I liked about it was its completeness. While I'd already thought of most aspects, it reminded me about issues (frequent fl...
by minesweep
Tue Sep 19, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26601

Re: Calling out the not so rich bogleheads

I would say that the forums are generally dominated by folks who are millionaires, multi millionaires or soon to be millionaires at very young ages. This has the effect of scaring away and/or creating resentment in a lot of people who are not close to being millionaires or even just plain wealthy w...
by minesweep
Fri Sep 15, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 866

Re: Is "Fall" grass fertilizer formulation really necessary?

I fertilize my lawn in mid fall with Scotts Turf Builder. I never gave thought to using their "Winterguard Fall Lawn Food". I figured it was just a marketing ploy. So I Googled it to find out the difference and this is what I found: What’s the Difference? Fertilizer bags always have three numbers pr...
by minesweep
Thu Sep 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8229

Re: Do you pay for yardwork?

I do all of my own yard work. I have a small property but it is a corner lot with slopes all around it (3’-6’ in height). I recently dug out two large dwarf hinoki cypress shrubs (although they are technically trees) that I planted about 3 decades ago and replaced them with two uprightish Green Moun...
by minesweep
Wed Sep 13, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117959

Re: U.S. stocks in freefall

Like a "stocks in unsustainable bubble" thread. There have been quite a few but none have the staying power of this thread. When the 5% "correction" comes this will show the ups and downs of the market. It used to pop up after a 2% drop, the 1% drop. Then the drops stopped and we got board. Word on...
by minesweep
Mon Sep 04, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9523

Re: Do you reinvest your dividends/capital gains?

We get this question asked at this forum every so often. Now we are getting a resurrected question from 2015. :shock:

I stopped looking once I got to page 4
by minesweep
Sat Sep 02, 2017 11:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6671

Re: Stan died

Stan the Man. RIP.
by minesweep
Thu Aug 31, 2017 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18396

Re: Is Bogelheads getting less interesting?

Maybe it’s because a number of the questions have been asked previously. After all it has been ten years since the Forum inception (even longer if you consider the old Diehards hangout at Morningstar). More than 213,000 topics have been posted thus far. Just today “livesoft” responded to a question ...
by minesweep
Wed Aug 30, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3652

Re: TaxAct for $13.50

I just received an invitation from Tax Act for their $13.50 offer. Maybe I won't need it. I could be filing my 2017 taxes on a postcard. :)
by minesweep
Wed Aug 23, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7647

Re: Lowes vs Home Depot

The Lowes in my area gives me a veteran ( not currently in military) discount any time I purchase something in their store. Most times I don't even have to show my DD214. I don't normally ask for a discount on small items I purchase, only on the more expensive ones to receive the discount. Home Dep...
by minesweep
Mon Aug 21, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4884

Re: Kitchen knife set. Good quality - Recommendations

One more vote here for the Wusthoff Classic knives. I purchased a number of Wusthoff Classic individual knives about six years ago and they have held up to my expectations. I purchased them at Bed Bath & Beyond because I got a better price with the 20% off coupon than I would have gotten at Amazon. ...
by minesweep
Sun Aug 13, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3835

Re: Your Movie Collection?

joe8d wrote:
Sat Aug 12, 2017 10:42 pm
All my movies are free from my Public Library.
+1
by minesweep
Fri Aug 11, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117959

Re: U.S. stocks in freefall

rgs92 wrote:It was Oct. 19th, 1987, not Oct. 9th.
Thanks for correcting my typo error.
by minesweep
Fri Aug 11, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117959

Re: U.S. stocks in freefall

So a 0 .9% drop in the Dow and a 1.45% drop in the S&P is a reason for discussion. A 5% correction is sometimes healthy for the markets. It doesn’t even come close to history’s top 10 one day losses for the Dow. My guess is that the stock market was just looking for a reason to skim some cream off t...
by minesweep
Mon Jul 31, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 35601

Re: John Bogle Has Been Right About Investing In International Stocks

dos palomas wrote:Wow. Past performance is no guarantee of future results.

This one is destined to go to 10+ pages.
10 pages it is. Only took 8 days.
by minesweep
Sun Jul 23, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 920836

Re: What Movie Have You Recently Watched?

Dunkirk. Excellent movie.
by minesweep
Sat Jul 22, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5382

Re: How much electricity are you using and how expensive it is?

Like me you live in the deregulated retail energy supply market of PA. Have you tried shopping for a lower cost energy generation supplier? My current generation and transmission charge is .0675 kWh (until the end of my contract term). My (regulated) distribution charge with my local electric utilti...
by minesweep
Sun Jul 16, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 2017 RMD Timing
Replies: 33
Views: 2911

Re: 2017 RMD Timing

I don't disagree with most of the suggestions. However I keep in mind that if I die in December and haven't completed the RMD, it doesn't leave much time for heirs to take my RMD and it could get forgotten. So it may simplify things for heirs to have it done earlier in the year. I don't think it is...
by minesweep
Sat Jul 15, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7471

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by minesweep
Thu Jun 29, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Prevention Magazine
Replies: 3
Views: 670

Re: Prevention Magazine

How about Prevention, anyone staying with it since they raised prices, cut ads and streamlined stories? More changes could be coming if a sale of the parent company of Prevention magazine becomes a reality. Amid difficult economic headwinds that have roiled the publishing industry, Rodale Inc. is c...
by minesweep
Wed Jun 28, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: "Quincy Jones Streaming Music, Media & Entertainment ETF"
Replies: 13
Views: 1385

Re: "Quincy Jones Streaming Music, Media & Entertainment ETF"

This could be a music hit ETF. More then likely it will hit a sour note.
by minesweep
Sun Jun 25, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 7383

Re: International Stocks - New thoughts

I suppose I should have used the words:

In the grand scheme of investing........