Search found 87 matches

by Salty1
Sun Dec 17, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Transfer between two Ally accounts owned by different folks
Replies: 5
Views: 2530

Re: Transfer between two Ally accounts owned by different folks

You can do a wire transfer. I did one from my ALLY account to sisters ALLY account. Its free from ALLY to ALLY but need to have $20 transfer fee available in account in addition to funds transfered. Fee gets refunded/credited. Say I wanted to transfer $1000 from my ALLY checking to my sisters ALLY c...
by Salty1
Wed Sep 21, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Advice on Smoke Detectors
Replies: 14
Views: 2272

Re: Advice on Smoke Detectors

Why not replace it with 10-Year Lithium Ion Battery Operated Ionization Smoke Alarm ? $19.95 at Home Depot
http://www.homedepot.com/p/Code-One-10- ... /203728679
by Salty1
Mon Oct 06, 2014 7:28 pm
Forum: Personal Investments
Topic: mutual fund calculator?
Replies: 3
Views: 746

Re: mutual fund calculator?

Check Fund Analyzer on FINRA here
by Salty1
Fri Feb 21, 2014 1:09 pm
Forum: Investing - Theory, News & General
Topic: My 3 International Funds-do high ER's matter?
Replies: 23
Views: 1944

Re: My 3 International Funds-do high ER's matter?

The information provided below is extracted from http://apps.finra.org/fundanalyzer/1/FA.aspx I used the 5 year returns from each of the funds(used Vanguard Total Int Stock Investor shares)...and with a little cutting and pasting... http://i58.tinypic.com/2rykqon.jpg According to Morningstar the oth...
by Salty1
Mon Feb 10, 2014 10:57 am
Forum: Investing - Theory, News & General
Topic: What was John Bogle thinking?!
Replies: 11
Views: 3157

Re: What was John Bogle thinking?!

Nice article :D
by Salty1
Mon Dec 09, 2013 8:09 pm
Forum: Personal Investments
Topic: VBMFX Duration
Replies: 21
Views: 2846

Re: VBMFX Duration

I was able to put Salty1's data into an excel graph, after some manipulation, but I don't know how to post a graph on this site. Any suggestions? basically I believe you need to create the chart as an image and post it at a site like tinypic.com see link below for some guidance http://www.boglehead...
by Salty1
Mon Dec 09, 2013 2:02 pm
Forum: Personal Investments
Topic: VBMFX Duration
Replies: 21
Views: 2846

Re: Bond myth.

Antiqueman: Listed below are the historical U.S. inflation rates (CPI-U) and total returns for the Aggregate Bond Index since the Index's inception in 1976 with the addition of Effective Federal Funds Rate to Taylor's info. Effective Federal Funds data from http://research.stlouisfed.org/fred2/data/...
by Salty1
Mon May 06, 2013 10:45 am
Forum: Personal Consumer Issues
Topic: HP Laptop Battery
Replies: 13
Views: 1471

Re: HP Laptop Battery

Last year I needed a battery for my HP laptop. Here is what I bought http://www.amazon.com/HP-HSTNN-LB73-hst ... AWGB5833BH
No problems ..so far. :happy
Sticker on it says Replace with HP SPARE 484170-001.
by Salty1
Fri Dec 14, 2012 2:10 pm
Forum: Personal Consumer Issues
Topic: 12 year old dryer is squeeking loudly. What to do?
Replies: 35
Views: 6983

Re: 12 year old dryer is squeeking loudly. What to do?

My first guess would be the dryer belt is worn and slipping that is reason that squealing noise is louder when dryer is starter. This is much like a loose alternator belt, squeaks loudest when first started. My dryer was about 12 years old when I replaced belt and when I did I also replaced idler pu...
by Salty1
Sun Feb 19, 2012 1:35 pm
Forum: Forum Issues and Administration
Topic: HAPPY 5TH BIRTHDAY BOGLEHEADS FORUM
Replies: 30
Views: 3236

Re: HAPPY 5TH BIRTHDAY BOGLEHEADS FORUM

Happy 5th...and many more.
by Salty1
Fri Jan 06, 2012 10:47 am
Forum: Personal Investments
Topic: New Asset Allocation
Replies: 1
Views: 279

Re: New Asset Allocation

by Salty1
Sun Jan 01, 2012 9:06 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2012 BOGLEHEAD CONTEST
Replies: 408
Views: 24095

Re: REGISTERATION FOR 2012 BOGLEHEAD CONTEST

I430.96 I'm reusing last year's number...but adjusting for last year :D
I'm going to be in the 10 ten ... in getting my guess in :lol:
by Salty1
Sun Dec 11, 2011 12:12 am
Forum: Personal Investments
Topic: Trying to Boglehead-ify our portfolio
Replies: 21
Views: 2942

Re: Trying to Boglehead-ify our portfolio

4% Spartan 500 Index, er = 0.05% ============================ 10.8% 1% Spartan Extended Market Index, er = 0.10% ================= 2.7% 25% VG Total Bond Market Index, er = 0.11% ================== 15% 00%, Spartan Global Ex-US Index Advtg FSGDX ER: 0.18 ========= 1.5% The above would give 27.5% In...
by Salty1
Sat Dec 10, 2011 8:38 pm
Forum: Personal Investments
Topic: Trying to Boglehead-ify our portfolio
Replies: 21
Views: 2942

Re: Trying to Boglehead-ify our portfolio

For a 60/40 portfolio I suggest changes below... His 401K 25% VG Total Bond Market Index (VBTIX)(MF: 0.04)(ER: 0.07) Her 401k 4% Spartan 500 Index, er = 0.05% ============================ 10.8% 1% Spartan Extended Market Index, er = 0.10% ================= 2.7% 25% VG Total Bond Market Index, er = 0...
by Salty1
Fri Dec 09, 2011 7:53 pm
Forum: Personal Consumer Issues
Topic: Magic Jack Phone service
Replies: 34
Views: 4112

Re: Magic Jack Phone service

Check out Magic Jack plus here http://www.magicjack.com/plus-v05/
by Salty1
Tue Nov 29, 2011 12:57 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Contest can end now right?
Replies: 21
Views: 1868

Re: Boglehead Contest can end now right?

Congratulations Harold. You are back to number 1....at least for the next 15 minutes :)
by Salty1
Mon Nov 28, 2011 1:21 pm
Forum: Personal Investments
Topic: Lifecycle Funds
Replies: 22
Views: 2404

Re: Lifecycle Funds

Welcome imgritz Have you checked out the wiki on them? http://www.bogleheads.org/wiki/Vanguard_LifeStrategy_Funds Drawbacks While LifeStrategy Funds provide very simple diversification for their shareholders, such uniform solutions will necessarily be subject to reasonable criticisms. Tax Inefficien...
by Salty1
Fri Nov 25, 2011 8:17 pm
Forum: Personal Consumer Issues
Topic: 9/11/01 boatlift video
Replies: 5
Views: 848

Re: 9/11/01 boatlift video

Thanks for sharing. Something I too was not aware of. Very impressive.
by Salty1
Fri Nov 25, 2011 2:14 pm
Forum: Personal Investments
Topic: Retirement Plan Portfolio Review Request
Replies: 18
Views: 2062

Re: Retirement Plan Portfolio Review Request

As requested by others, please post cost basis of your taxable accounts so you will get some suggestions on best way to simplify without getting a big tax hit. You might want to turn off dividend and capital gain reinvestment in the taxable accounts while you work on moving towards a simplier more t...
by Salty1
Fri Oct 21, 2011 5:54 pm
Forum: Personal Investments
Topic: Moving to Vanguard...Requesting "lazy" help
Replies: 10
Views: 1554

Re: Moving to Vanguard...Requesting "lazy" help

I think you should pull the 529(s) from the total numbers...so you have a retirement portfolio with its desired asset allocation and the 529(s) with its own asset allocation. This should make it less confusing when time to rebalance IMHO.

I like what ObliviousInvestor has suggested for you.
by Salty1
Sat Oct 08, 2011 8:15 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Wiki in the Spotlight
Replies: 8
Views: 1475

Thanks Mel...and to all who have contributed to the wiki and this site. It is an excellent source of information.
by Salty1
Tue Sep 20, 2011 10:05 am
Forum: Personal Finance (Not Investing)
Topic: rollover my current employer 401k?
Replies: 11
Views: 1330

You could roll your old employee 401k into your new 401K.

You may want to do this if the new 401k has better choices, or choices are similar and you want to consolidate your 401ks.
by Salty1
Thu Jun 09, 2011 8:27 pm
Forum: Investing - Theory, News & General
Topic: IRA Conversion / Contribution Spreadsheet or Calculator?
Replies: 6
Views: 1291

Have you checked the wiki...here is link to Roth Conversion calculators http://www.bogleheads.org/wiki/Tools_an ... alculators

Salty1
by Salty1
Sat Apr 23, 2011 6:21 pm
Forum: Personal Consumer Issues
Topic: New home build...anything youd want/change/splurge on...
Replies: 95
Views: 14623

Engineered Wood I-Beams versus Sawn Lumber for Floor Joists.

Extra insulation on interior walls / ceilings. I insulated bathrooms walls to quiet noise of running water.
by Salty1
Mon Apr 11, 2011 8:00 pm
Forum: Personal Consumer Issues
Topic: How do you keep teak outdoor furniture from turning gray?
Replies: 7
Views: 3773

Sikkens Cetol Marine Natural Teak works well.

Signature Honey Teak works well also but last I used it was 12 years ago...and it wasn't cheap then.

Both of these I have used on boats I owned.
by Salty1
Mon Apr 11, 2011 7:10 pm
Forum: Personal Investments
Topic: "portfolio" of a friend - seriously
Replies: 11
Views: 2120

Your friends best option may be asking the broker to reproduce transaction statements as far back as possible. Your friend needs to find date shares bought and what was reinvested minus transaction costs to get cost basis. If your friend knows when shares were purchesed, turbotax premier can help in...
by Salty1
Mon Jan 24, 2011 7:23 pm
Forum: Personal Consumer Issues
Topic: Digital TV with Antenna
Replies: 18
Views: 3127

FrugalInvestor wrote: Do you have any idea how reliable the information might be?
Not really...some say they are conservative in their estimates as to what you may receive ....
Here is another site to check http://tvfool.com/
by Salty1
Mon Jan 24, 2011 7:06 pm
Forum: Personal Consumer Issues
Topic: Digital TV with Antenna
Replies: 18
Views: 3127

Enter your zip code / address and then you will get what is available ...stations, directions, distance http://www.antennaweb.org/aw/Address.aspx
by Salty1
Mon Jan 10, 2011 5:31 pm
Forum: Personal Consumer Issues
Topic: Heat pump question. Please help!
Replies: 17
Views: 3801

Faith20879 wrote: What especially bothers me is the multiple cranking (question #3). If I ask him again, how would I phrase it to make it sound like I know what I am saying?
How about using a digital camera to record the sound of the multiple cranking so you could play it back for him?
by Salty1
Sat Jan 01, 2011 8:54 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 37886

1413
by Salty1
Fri Dec 03, 2010 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: What does a no-cost/low-cost mortgage mean?
Replies: 7
Views: 1078

A good site to check for rates / costs / trends is Mortgage Marvel http://www.mortgagemarvel.com//
by Salty1
Fri Nov 26, 2010 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Last day.
Replies: 10
Views: 2237

Thanks Taylor...I just ordered one.
by Salty1
Wed Nov 17, 2010 2:42 pm
Forum: Personal Investments
Topic: Bogleheads Stay the course
Replies: 16
Views: 2725

norookie wrote::D Welcome!! Rule of thumb is age in bonds/TBM-TIPS/. Rule of thumb is TBM/TISM/ in the other %'s.
I think you meant Rule of thumb is age in bonds/TBM-TIPS/. Rule of thumb is TSM/TISM/ in the other %'s
by Salty1
Tue Nov 09, 2010 6:48 pm
Forum: Personal Investments
Topic: Helping Sister Simplify, lower cost of portfolio
Replies: 5
Views: 951

vesalius - I'll consider using TBM instead of small %TIPS. Also will take idea of asymetric Roth contributions to sister and husband, and see if they have any issues. Thanks for both ideas.

livesoft - thanks for comments on rebalancing, all good points.
by Salty1
Tue Nov 09, 2010 10:40 am
Forum: Personal Investments
Topic: Helping Sister Simplify, lower cost of portfolio
Replies: 5
Views: 951

Thanks Livesoft. Taking your recommendations into account. Here is my revised proposed portfolio for them: Taxable JTROS - 6.%(combine his Fido and her MFS) - 13% 13% Vanguard Total International (VGTSX) - 0.32% Joint Non Qualified Variable Annuity (he's annuitant) -12% 12% Vanguard Variable Annuity...
by Salty1
Tue Nov 09, 2010 9:53 am
Forum: Personal Investments
Topic: Helping Sister Simplify, lower cost of portfolio
Replies: 5
Views: 951

Helping Sister Simplify, lower cost of portfolio

I have spoken with my sister and her husband and they would like a simpler, lower cost plan, based on Vanguard Index funds, that they can undestand and rebalance once a year. I think a 60/40 or 50/50 stock bond allocation is what I was planning on depending on their need / willingness to take on ris...
by Salty1
Mon Nov 08, 2010 11:38 am
Forum: Personal Investments
Topic: New Advice Please
Replies: 28
Views: 2792

I would try to convince your wife that the pitch was not as good for her as it was for them. I did a check on their Investment grade vs benchmark on morningstar. Does not look like it made up difference...and do not forget that 5.75% load would impact more as only would start with 9,425 http://i51.t...
by Salty1
Fri Nov 05, 2010 8:37 pm
Forum: Personal Investments
Topic: New Advice Please
Replies: 28
Views: 2792

I agree with others...If you can cancel this meeting it is probably in your best interest. Two people willing to travel 6 hours (3 there,3 back), are going to have a hard sell for you. Would you travel that far if you did not believe that there was a good chance of a sale and large commissions? Here...
by Salty1
Fri Nov 05, 2010 7:12 pm
Forum: Investing - Theory, News & General
Topic: "Roadmap for Investing Success"
Replies: 8
Views: 3196

Thanks Taylor for posting and Paul for writing. :D One quote I liked was.. But Jeff Acheson, director of retirement planning at Pittsburgh-based Schneider Downs & Co. puts it in perspective, “Hidden fees are a little bit like high blood pressure. You don't really feel it, and you don't necessarily s...
by Salty1
Mon Nov 01, 2010 11:30 pm
Forum: Personal Investments
Topic: Employer changing 401k provider, can I do my own rollover?
Replies: 11
Views: 9005

I think you should call your plan administrator and see if you are eligible to do an inservice transfer, even if you are under 59 1/2. When the company I worked for changed from Vanguard to Fidelity I was able to move a chunk to an IRA and even able to move some to a Roth IRA. I was 57 at the time. ...
by Salty1
Thu Sep 02, 2010 9:27 pm
Forum: Personal Consumer Issues
Topic: Searching for name of game from childhood
Replies: 7
Views: 2079

The one I remeber playing with as a kid had light and dark rings like this one.
http://scientificsonline.com/product.asp_Q_pn_E_3081157
by Salty1
Sun Aug 08, 2010 7:08 pm
Forum: Personal Consumer Issues
Topic: ..
Replies: 150
Views: 16136

Anybody remember 0C4's and 0C7's ? ...or were they OC4's and OC7's... its been a while :)

... and //SYSIN DD DUMMY